Payment method and device, computer equipment and computer readable storage medium

Abstract

The invention relates to a payment method and device, computer equipment and a computer readable storage medium. The method comprises the following steps: receiving a special identity marking request initiated for a first digital asset account, wherein the special identity marking request carries special identity information; marking a special identity mark for the first digital asset account according to the special identity information; receiving a payment request initiated by the first digital asset account; when it is detected that a first digital asset account which is carried in the payment request and serves as a payment account has a special identity mark and the first digital asset account which serves as the payment account is associated with a second digital asset account, querying a corresponding discount parameter according to the type of the special identity mark, and performing asset deduction processing on the second digital asset account according to the discount parameter. By adopting the method, the user experience of the special crowd in the payment process can be improved while the identity proof problem of the special crowd is solved.

Description

Technical Field

[0001] The present application relates to the field of computer technologies, and particularly to a payment method, apparatus, computer device, storage medium, and computer program product. Background Art

[0002] The identity certificates of special groups are usually paper-based and need to be carried at all times in many situations. However, identity certificates are easy to lose and inconvenient to carry. If lost, they need to be reissued. If forgotten to carry, the corresponding welfare and preferential policies cannot be enjoyed in many scenarios. For example, some public places such as tourist attractions, museums, etc. offer certain preferential treatments to special groups such as the elderly and disabled people, such as half-price tickets, etc. Generally, corresponding certificates need to be presented to enjoy the discounts. For disabled people, there are certain concerns about presenting disability certificates in public places, and it is also inconvenient to carry them every time, and they are easy to forget or lose. Moreover, the conventional mobile payment operation process is also extremely inconvenient for special groups, resulting in a poor user experience during the payment process. Summary of the Invention

[0003] Based on this, it is necessary to provide a payment method, apparatus, computer device, computer-readable storage medium, and computer program product for the above technical problems, which can solve the identity certificate problem of special groups while improving the user experience of special groups during the payment process.

[0004] In a first aspect, the present application provides a payment method. The method includes:

[0005] Receiving a special identity marking request initiated for a first digital asset account, where the special identity marking request carries special identity information;

[0006] Marking the first digital asset account with a special identity marking according to the special identity information;

[0007] Receiving a payment request initiated through the first digital asset account;

[0008] When it is detected that the first digital asset account serving as the payment account in the payment request has a special identity marking and the first digital asset account serving as the payment account is associated with a second digital asset account, querying a corresponding discount parameter according to the special identity marking type, and performing an asset deduction process on the second digital asset account according to the discount parameter.

[0009] In a second aspect, the present application further provides a payment apparatus. The apparatus includes:

[0010] A marking request receiving module, configured to receive a special identity marking request initiated for a first digital asset account, where the special identity marking request carries special identity information;

[0011] A marking module, configured to mark a special identity for the first digital asset account according to the special identity information;

[0012] A payment request receiving module, configured to receive a payment request initiated through the first digital asset account;

[0013] A payment request response module, configured to, when it is checked that the first digital asset account serving as the payment account in the payment request has a special identity marking and the first digital asset account serving as the payment account is associated with a second digital asset account, query corresponding discount parameters according to the special identity marking type, and perform asset deduction processing on the second digital asset account according to the discount parameters.

[0014] In one embodiment, the apparatus further includes:

[0015] A smart contract creation module, configured to create a smart contract for the first digital asset account in a blockchain, where the smart contract includes discount parameters for the first digital asset account in different payment scenarios;

[0016] The payment request response module is further configured to, when it is checked that the first digital asset account serving as the payment account in the payment request has a special identity marking and the first digital asset account serving as the payment account is associated with a second digital asset account, call the smart contract for the first digital asset account, query corresponding discount parameters according to the payment scenario and the special identity marking type through the smart contract, and perform asset deduction processing on the second digital asset account according to the discount parameters.

[0017] In one embodiment, the apparatus further includes:

[0018] An account association module, configured to receive an account association request initiated through a second digital asset account, where the account association request carries the first digital asset account; perform double verification on the account association request, and record the first digital asset account as an associated account of the second digital asset account after the verification passes.

[0019] In one embodiment, the account association module is further configured to authenticate the second digital asset account and send an inquiry message to the first digital asset account. The inquiry message is used to ask whether to agree to be associated with the second digital asset account. When the authentication of the second digital asset account is passed and a confirmation association message returned by the first digital asset account is received, the dual verification of the account association request is passed.

[0020] In one embodiment, the annotation module is further configured to query the authentication information of the first digital asset account, perform special identity verification based on the authentication information and the special identity information, and annotate a special identity mark on the first digital asset account after the verification is passed.

[0021] In one embodiment, the annotation module is further configured to extract the identity identifier from the authentication information, determine the special identity type corresponding to the special identity information, query the special identity information corresponding to the identity identifier from the database corresponding to the special identity type. If the queried special identity information is consistent with the special identity information carried in the special identity mark request, the special identity verification is passed.

[0022] In one embodiment, the device further includes:

[0023] A payment method providing module, configured to provide a convenient payment method corresponding to the special identity mark type to the first digital asset account according to the special identity mark type of the special identity mark of the first digital asset account. The convenient payment method includes at least one of a visual password disk payment method, a voice password payment method, and a fingerprint payment method.

[0024] In one embodiment, the device further includes:

[0025] A payment information prompt module, configured to send a payment prompt message to the first digital asset account in an information prompt manner matching the special identity mark type according to the special identity mark type of the special identity mark of the first digital asset account during the process of performing asset deduction processing on the second digital asset account.

[0026] 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:

[0027] Receiving a special identity mark request initiated for a first digital asset account, where the special identity mark request carries special identity information;

[0028] Mark the first digital asset account with a special identity mark according to the special identity information;

[0029] Receive a payment request initiated through the first digital asset account;

[0030] When it is checked that the first digital asset account carried in the payment request as the payment account has a special identity mark and the first digital asset account as the payment account is associated with a second digital asset account, query the corresponding discount parameter according to the special identity mark type, and perform asset deduction processing on the second digital asset account according to the discount parameter.

[0031] Fourthly, the present application also provides a computer-readable storage medium. The computer-readable storage medium stores a computer program thereon, and when the computer program is executed by a processor, the following steps are implemented:

[0032] Receive a special identity mark request initiated for the first digital asset account, where the special identity mark request carries special identity information;

[0033] Mark the first digital asset account with a special identity mark according to the special identity information;

[0034] Receive a payment request initiated through the first digital asset account;

[0035] When it is checked that the first digital asset account carried in the payment request as the payment account has a special identity mark and the first digital asset account as the payment account is associated with a second digital asset account, query the corresponding discount parameter according to the special identity mark type, and perform asset deduction processing on the second digital asset account according to the discount parameter.

[0036] Fifthly, 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:

[0037] Receive a special identity mark request initiated for the first digital asset account, where the special identity mark request carries special identity information;

[0038] Mark the first digital asset account with a special identity mark according to the special identity information;

[0039] Receive a payment request initiated through the first digital asset account;

[0040] In the case where a special identity mark exists in the first digital asset account carried in the payment request as the payment account, and the first digital asset account as the payment account is associated with a second digital asset account, query the corresponding discount parameter according to the special identity mark type, and perform asset deduction processing on the second digital asset account according to the discount parameter.

[0041] The above payment method, device, computer device, storage medium, and computer program product receive a special identity mark request initiated for the first digital asset account, and the special identity mark request carries special identity information, and mark the special identity mark for the first digital asset account according to the special identity information; this special identity mark can be used as proof of the special identity of special groups, solving the problem of special identity proof. After that, after receiving the payment request initiated through the first digital asset account, in the case where it is checked that a special identity mark exists in the first digital asset account carried in the payment request and the first digital asset account as the payment account is associated with a second digital asset account, the corresponding discount parameter can be queried according to the special identity mark type, and asset deduction processing is performed on the second digital asset account according to the discount parameter. That is to say, there is no need to provide additional proof to verify whether it is a special group that can enjoy preferential treatment. As long as there is a special identity mark, automatic payment can be made, and in the case of being associated with a second digital asset account, it is automatically deducted from the associated second digital asset account. Special groups do not need to perform too many cumbersome operations on their digital asset accounts, solving the problem of inconvenience in the mobile payment operation process, bringing convenience to special groups, and improving the user experience during the payment process. Brief Description of the Drawings

[0042] Figure 1 It is an application environment diagram of the payment method in an embodiment;

[0043] Figure 2 It is a flowchart of the payment method in an embodiment;

[0044] Figure 3 It is a page diagram of the application page of the special identity mark in an embodiment;

[0045] Figure 4 It is a flowchart of marking the special identity mark for the first digital asset account in an embodiment;

[0046] Figure 5 It is a flowchart of performing special identity verification according to the authentication information and special identity information in an embodiment;

[0047] Figure 6 It is a flowchart of the payment request response in an embodiment;

[0048] Figure 7 It is a schematic flow chart of associated accounts in an embodiment;

[0049] Figure 8 It is a schematic flow chart of a payment method in a specific embodiment;

[0050] Figure 9 It is a structural block diagram of a payment device in an embodiment;

[0051] Figure 10 It is an internal structure diagram of a computer device in an embodiment. Detailed implementation manners

[0052] In order to make the objectives, technical solutions and advantages of the present application clearer and more understandable, 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.

[0053] The payment method provided by the embodiments of the present application can be applied to an application environment as Figure 1 shown. Among them, the terminal 102 communicates with the server 104 through a network, and the terminal 106 also communicates with the server 104 through a 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 in the cloud or on other servers. In one embodiment, digital asset clients are running on the terminal 102 and the terminal 106. The digital asset client on the terminal 102 logs in to the first digital asset account, and the digital asset client on the terminal 106 logs in to the second digital asset account. The server 104 can receive a special identity marking request initiated by the terminal 102 for the first digital asset account. The special identity marking request carries special identity information. The server 104 can mark a special identity for the first digital asset account according to the special identity information. Then, the server 104 can receive a payment request initiated by the terminal 102 through the first digital asset account. When it is checked that the first digital asset account as the payment account in the payment request has a special identity marking and the first digital asset account as the payment account is associated with the second digital asset account, the server 104 can query the corresponding discount parameter according to the special identity marking type, and perform asset deduction processing on the second digital asset account according to the discount parameter. After the asset deduction processing, the server 104 can send a payment prompt message to the terminal 106.

[0054] Optionally, before receiving the payment request sent by the terminal 102, the server 104 may also receive an account association request initiated by the terminal 106 through the second digital asset account. The account association request carries the first digital asset account. Then, the server 104 may perform dual verification on the account association request and record the first digital asset account as the associated account of the second digital asset account after the verification passes.

[0055] Among them, the above-mentioned terminal 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 can be implemented by an independent server or a server cluster composed of multiple servers.

[0056] In some embodiments, a digital asset client runs on the terminal, and the digital asset client supports users to open digital asset accounts from digital asset operating institutions. There can be multiple digital asset operating institutions, and users can choose any one of them to open a digital asset account. In addition, it supports users to open digital asset accounts at different digital asset operating institutions respectively, that is, one user identity can have multiple digital asset accounts. Based on the digital asset accounts, the storage and trading of digital assets can be realized. After opening a digital asset account, the back-end server of the digital asset operating institution 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 operating institution and corresponding query services will be provided.

[0057] Referring to Figure 1 , the above-mentioned server 104 can be the operating institution server of the digital asset operating institution to which the digital asset account belongs, and is used to provide digital asset exchange and circulation services. The above-mentioned server 104 can also be a server cluster formed by the operating institution server and the payment management server. The operating institution server can communicate with the payment management server through the network. The payment management server is used to perform special identity marking on special populations, and can provide special identity marking services and payment request inspection services. The payment request inspection service can check the information carried by the payment request and transmit the inspection result to the operating institution server. A payment request response service runs on the operating institution server, and the operating institution server performs asset deduction according to the received inspection result.

[0058] In one embodiment, as Figure 2 shown, a payment method is provided. Taking the method applied to the server 104 in Figure 1 as an example, the method includes the following steps:

[0059] Step 202: Receive a special identity marking request initiated for the first digital asset account. The special identity marking request carries special identity information.

[0060] Among them, the special identity marking request is a request for marking a special identity for the digital asset account owned by a user who is a special population. The special identity marking is a type of identity marking used to indicate that the user corresponding to the digital asset account has a special identity and belongs to a special population. The first digital asset account is the digital asset account of the current user held by the current terminal. For example, the digital asset account currently logged in by the digital asset client running on the terminal is the first digital asset account.

[0061] The terminal can initiate a special identity marking request for the digital asset account to the server, and the server receives the special identity marking request initiated for the first digital asset account. For example, a digital asset client is running on the terminal, and the logged-in user of the digital asset client is the target user. After the target user opens a digital asset account from a digital asset operation institution, the terminal can initiate a special identity marking request to the server for the currently logged-in digital asset account according to the special identity information input by the target user. If the target user has opened multiple digital asset accounts from different digital asset operation institutions, the terminal can, according to the target user's needs, initiate a special identity marking request to the server for one or more of the multiple digital asset accounts respectively, or the terminal can initiate the same special identity marking request for the multiple digital asset accounts to simultaneously mark the special identity for all the digital asset accounts of the target user.

[0062] In one embodiment, the terminal can display a management page of the digital asset account. The management page includes an application entry for the special identity marking. The terminal can, in response to a trigger operation on the application entry, display an application page for the special identity marking, obtain the special identity information input on the application page, and initiate a special identity marking request to the server according to the digital asset account and the input special identity information. The special identity information may include the name, ID number, special identity type, and relevant special identity electronic certification materials input by the target user. As Figure 3 shown, it is a page schematic diagram of an application page for the special identity marking in one embodiment.

[0063] Step 204: Mark a special identity for the first digital asset account according to the special identity information.

[0064] Specifically, after receiving the special identity marking request, the server can extract the special identity information carried in the special identity marking request, including the name, special identity type, special identity number, etc., and mark the special identity for the first digital asset account according to the special identity information.

[0065] In one embodiment, as Figure 4 shown, labeling a special identity mark on the first digital asset account according to special identity information includes:

[0066] Step 402, query the authentication information of the first digital asset account;

[0067] Step 404, perform special identity verification according to the authentication information and the special identity information, and label a special identity mark on the first digital asset account after the verification passes.

[0068] When a user opens a digital asset account from a digital asset operating institution, identity authentication is required. Therefore, the server can query the authentication information associated with the digital asset account. The server compares the queried authentication information with the extracted special identity information. If the special identity information indeed belongs to the user indicated by the authentication information, the verification passes; otherwise, the verification fails. After the verification passes, the server labels a special identity mark on the digital asset account, which can be adding a special identity identifier to the account information of the digital asset account after the verification passes.

[0069] In one embodiment, as Figure 5 shown, performing special identity verification according to the authentication information and the special identity information includes:

[0070] Step 502, extract the identity identifier in the authentication information;

[0071] Step 504, determine the special identity type corresponding to the special identity information;

[0072] Step 506, query the special identity information corresponding to the identity identifier from the database corresponding to the special identity type. If the queried special identity information is consistent with the special identity information carried in the special identity mark request, the special identity verification passes.

[0073] In this embodiment, the server can obtain the permission to access the databases of special identity information of different special identity types in advance. When it is necessary to verify whether the current user has a special identity, the corresponding special identity type can be determined according to the received special identity information, and the database corresponding to the special identity type can be accessed. When accessing the database, query whether there is corresponding special identity information according to the identity identifier in the received authentication information. If the queried special identity information is consistent with the special identity information carried in the special identity mark request, the special identity verification passes, ensuring the rationality and security of the special identity mark.

[0074] In some embodiments, before step 204, the server may also initiate an authentication of the current user who requests a special identity mark. For example, fingerprint authentication, face authentication, password authentication, verification code authentication, and so on. For example, when performing face authentication, the collected face is compared with the face in the identity information associated with the first digital asset account. Only when the comparison is consistent will the special identity mark request be processed. In this way, it can be ensured that the special identity mark request is initiated by the user himself / herself, avoiding malicious applications.

[0075] Step 206, receive a payment request initiated through the first digital asset account.

[0076] The payment request is a request for initiating an online payment. The payment request may carry the payment amount, the receiving account, and the payment account. The payment account in the payment request is the first digital asset account mentioned in the above steps.

[0077] The terminal may obtain the payment code corresponding to the first digital asset account and initiate a payment request based on the payment code. Since the general payment operation process is not very convenient for users with special identities marked, and the operation is rather cumbersome, the server may also provide a convenient payment method for users marked with special identity marks.

[0078] In one embodiment, before receiving the payment request initiated through the first digital asset account, the method further includes: providing a convenient payment method corresponding to the special identity mark type of the special identity mark of the first digital asset account according to the special identity mark type. The convenient payment method includes at least one of a visual password disk payment method, a voice password payment method, and a fingerprint payment method.

[0079] In this embodiment, for different types of special-identity groups, the server may instruct the terminal to provide the user with one or more convenient payment methods corresponding to the special identity marker type. The convenient payment methods include at least one of a visual password panel payment method, a voice password payment method, and a fingerprint payment method. Among them, the visual password panel payment method presents a virtual input keyboard in a visual form. For example, for the elderly with poor eyesight, the terminal can display a virtual input keyboard to the user, and the virtual input keyboard uses a larger font and visualized prompt information to guide the user to enter the payment password. The voice password payment method means that the server pre-records a piece of voice of the user in advance. The content of the speech can be customized by the user. The server extracts the speech content and voiceprint features of the pre-recorded voice. When the user needs to make a payment, the user is prompted to speak the pre-recorded voice. The server performs a double comparison of the speech content and voiceprint features between the speech collected by the terminal and the pre-recorded voice. When the comparison is consistent, it is confirmed that it is the operation of the user himself to ensure payment security, which can meet the payment needs of visually impaired people. The fingerprint payment method refers to a payment method that verifies fingerprints (or palm prints). The server can instruct the terminal to prompt by voice: Please enter fingerprint (palm print) information, which can meet the payment needs of the elderly and visually impaired people. In addition, during the payment process, when entering the password or performing face verification, the number of attempts can be increased and the attempt time limit can be extended without reducing security, improving the payment experience of special-identity groups.

[0080] Step 208, when it is detected that the first digital asset account serving as the payment account in the payment request has a special identity marker and the first digital asset account serving as the payment account is associated with the second digital asset account, query the corresponding discount parameter according to the special identity marker type, and perform an asset deduction process on the second digital asset account according to the discount parameter.

[0081] In different application scenarios, the discount parameters corresponding to different special identity marker types are different. The discount parameters can be provided to the server by the merchant in advance. When making a payment, the server only needs to process the payment request according to the discount parameters stored in advance corresponding to different special identity marker types.

[0082] As Figure 6 shown, it is a schematic flowchart of a payment request response in an embodiment. Refer to Figure 6When the server receives any payment request, the server can first check whether there is a special identity mark in the first digital asset account that serves as the payment account in the payment request. For example, it can query whether there is a special identity mark and the corresponding special identity mark type in the account information of the first digital asset account. If there is, the server further checks whether the first digital asset account that serves as the payment account in the payment request is associated with other digital asset accounts. The associated digital asset account is the second digital asset account, which is the alternative payment account of the first digital asset account and is used to bear the payment expenses of the first digital asset account. In this way, for special identity groups such as the elderly, the disabled, or those who cannot use the general payment process, after initiating a payment using their first digital asset account, the deduction is automatically made from the associated second digital asset account. Special groups do not need to perform too many cumbersome operations on their digital asset accounts, solving the problem of inconvenience in the mobile payment operation process, bringing convenience to special groups, improving the user experience during the payment process, and ensuring the security of the asset accounts of such groups.

[0083] In one embodiment, as Figure 7 shown, before receiving a special identity mark request initiated for the first digital asset account, the method further includes:

[0084] Step 702, receiving an account association request initiated through the second digital asset account, where the account association request carries the first digital asset account;

[0085] Step 704, performing double verification on the account association request, and after the verification passes, recording the first digital asset account as the associated account of the second digital asset account.

[0086] Among them, the account association request is a request for binding someone else's digital asset account to one's own digital asset account. After successful binding, one can bear the payment amount for payment requests initiated through the digital asset account of others. In a real scenario, special identity groups have difficulties in using electronic products for online payment or managing their own digital asset accounts. For this reason, the server provides the function of associating with the digital asset accounts of others to bear their own expenses. For example, one can associate one's own digital asset account with the digital asset account of one's ward. Each time a payment is made, the asset deduction will be made from the associated "ward's digital asset account". Optionally, the ward can also set transaction permission parameters for it, including single - transaction and daily payment limits.

[0087] In some embodiments, after receiving an account association request initiated through a second digital asset account and before performing two-factor authentication on the account association request, the server may also authenticate the current user who initiated the account association request. For example, fingerprint authentication, face authentication, password authentication, verification code authentication, and so on. For example, when performing face authentication, the collected face is compared with the face in the identity information associated with the second digital asset account. Only when the comparison is consistent will the account association request be processed. In this way, it can be ensured that the account association request is initiated by the user himself, avoiding malicious applications.

[0088] In one embodiment, step 704, performing two-factor authentication on the account association request includes: authenticating the second digital asset account and sending an inquiry message to the first digital asset account. The inquiry message is used to ask whether to agree to be associated with the second digital asset account; when the authentication of the second digital asset account passes and a confirmation association message is received from the first digital asset account, the two-factor authentication of the account association request passes.

[0089] In this embodiment, when associating the first digital asset account with the second digital asset account, two-factor authentication is required. Among them, authenticating the user who initiated the account association request is to determine that the current user enters the association process through his own device. Sending an inquiry message to the first digital asset account is to determine that the first digital asset account to be associated can be aware of and confirm the association process, ensuring that the account association is achieved on the premise of the willingness of both parties.

[0090] Specifically, authenticating the second digital asset account, for example, fingerprint authentication, face authentication, password authentication, verification code authentication, and so on. For example, when performing face authentication, the collected face is compared with the face in the identity information associated with the digital asset account. Only when the comparison is consistent will the account association request be processed. In this way, it can be ensured that the account association request is initiated by the user himself, avoiding malicious applications. Sending an inquiry message to the first digital asset account. For example, when the target terminal logs in to the first digital account, the server can send an inquiry message to the target terminal. The inquiry message is used to ask whether to agree to be associated with the second digital asset account. The inquiry message can be, for example: "XX wants to associate your first digital asset account with his second digital asset account. Please confirm whether you agree." When the authentication of the current user corresponding to the second digital asset account passes and a confirmation consent message is received from the target terminal, it is determined that the two-factor authentication of the account association request passes.

[0091] In one embodiment, the method further includes: during the process of conducting asset deduction processing on the second digital asset account, according to the special identity marker type of the special identity marker of the first digital asset account, in a manner of information prompt matching the special identity marker type, sending a payment prompt message to the first digital asset account.

[0092] Considering that special identity groups or those with a relatively low acceptance of the online payment operation process for digital assets, in order to provide service convenience to special identity groups, the server can prompt the terminal to provide users with a payment experience of visualizing the payment process, that is, the payment process is visualized. For example, during the payment process, the payment pre-interface, payment process interface, and post-payment interface can be sequentially popped up on the terminal. In the payment pre-interface, the balance of the digital asset account, the amount of this discount, and the amount to be paid can be presented. In the payment process interface, a dynamic payment progress bar can be displayed, and it can be shown that the amount in one's own digital asset account is decreasing and the amount in the other party's digital asset account is increasing. After payment, the amount in one's own digital asset account and a prompt message indicating that the payment has been completed are displayed. Of course, in addition to the form of interface visualization, it can also be presented in the form of voice broadcast, which can be specifically set according to the special identity marker type and special identity information. The special identity marker types include disabled person identity, elderly person identity, helping person identity, and so on.

[0093] In one embodiment, after marking the special identity marker for the first digital asset account according to the special identity information, the method further includes: creating a smart contract regarding the first digital asset account in the blockchain, where the smart contract includes discount parameters regarding the first digital asset account under different payment scenarios; correspondingly, in step 208, when it is checked that the first digital asset account carried in the payment request as the payment account has a special identity marker and the first digital asset account as the payment account has been associated with the second digital asset account, querying the corresponding discount parameter according to the special identity marker type, and conducting asset deduction processing on the second digital asset account, including: when it is checked that the first digital asset account carried in the payment request as the payment account has a special identity marker and the first digital asset account as the payment account has been associated with the second digital asset account, invoking the smart contract regarding the first digital asset account, querying the corresponding discount parameter according to the payment scenario and the special identity marker type through the smart contract, and conducting asset deduction processing on the second digital asset account according to the discount parameter.

[0094] A smart contract is an automatically executable computer program that is implemented through blockchain technology. Smart contracts can execute transactions without an intermediary or third party, thus achieving decentralized transactions. Smart contracts can perform various tasks, such as verifying and executing contracts, managing digital assets, and executing financial transactions. A smart contract is a code-based protocol that stipulates the conditions and rules that all parties must meet during a transaction. Once the conditions are met, the smart contract will automatically execute the transaction. Smart contracts can be written in multiple programming languages. After creating a smart contract, it can be deployed to the blockchain for transactions. In a smart contract, the conditions and rules that all parties must meet during a transaction can be stipulated, such as the parameters of the transaction, time, identities of the trading parties, etc. Once the conditions are met, the smart contract will automatically execute the transaction. The transaction is recorded on the blockchain and once recorded, it cannot be changed or deleted.

[0095] In an embodiment of this application, after marking a special identity tag on the first digital asset account according to the special identity information, a smart contract regarding the first digital asset account is created in the blockchain. The created smart contract records discount parameters regarding the first digital asset account under different payment scenarios, and is used to query the corresponding discount parameters according to the payment scenario and the type of special identity tag when it is checked that the first digital asset account carried in the payment request as the payment account has a special identity tag and the first digital asset account as the payment account is associated with the second digital asset account, and perform asset deduction processing on the second digital asset account according to the discount parameters. Since this smart contract is a code-based protocol, as long as the first digital asset account carried in the payment request as the payment account has a special identity tag and the first digital asset account as the payment account is associated with the second digital asset account, it will trigger the automatic payment of the payment request, without the need for extra operations by the user, improving the reliability and security of online payment for people with special identities.

[0096] The above payment method receives a special identity marking request initiated for a first digital asset account. The special identity marking request carries special identity information, and a special identity marking is assigned to the first digital asset account according to the special identity information. This special identity marking can be used as proof of the special identity of a special group, solving the problem of special identity certification. After that, after receiving a payment request initiated through the first digital asset account, when it is detected that the first digital asset account serving as the payment account in the payment request has a special identity marking and the first digital asset account serving as the payment account is associated with a second digital asset account, the corresponding discount parameter can be queried according to the special identity marking type, and asset deduction processing can be performed on the second digital asset account according to the discount parameter. That is to say, there is no need to provide additional proof to verify whether the user is a special group eligible for preferential treatment. As long as there is a special identity marking, automatic payment can be made. Moreover, when it is associated with a second digital asset account, the deduction is automatically made from the associated second digital asset account. Special groups do not need to perform too many cumbersome operations on their digital asset accounts, solving the problem of inconvenience in the mobile payment operation process, bringing convenience to special groups, and enhancing the user experience during the payment process.

[0097] For special identity groups, the smart contract stipulates discount parameters in certain scenarios (such as the scenario of buying tickets for tourism, the scenario of automatic deduction for subways and buses). For such groups, based on the mobile phone's location, items that meet the preferential policies for special identity groups near the location can be pushed, and based on the user's identity and the smart contract, the preferential amount can be estimated and the preferential data can be displayed to such groups, which can promote consumption.

[0098] In one embodiment, the above payment method further includes the step of pushing merchant information to special identity groups: for a digital asset account marked with a special identity marking, based on the location information, push the product information of discounted products for special identity groups located within the preset range of the location information to the corresponding terminal.

[0099] Specifically, for a digital asset account marked with a special identity marking, the server can push the product information of discounted products provided specifically for this special identity group by the venues near the terminal to the terminal. Optionally, on the premise of user authorization, obtaining the user's location information, the server can push whether there is product information of discounted products provided for this special identity group near the location indicated by the location information to the corresponding terminal. If there is, it will be pushed to the terminal for the user to purchase according to their own needs.

[0100] As Figure 8 shown, in a specific embodiment, the processing method of the payment request executed by the server may include the following steps:

[0101] Step 802: Receive an account association request initiated through the second digital asset account. The account association request carries the first digital asset account.

[0102] Step 804: Authenticate the second digital asset account and send inquiry information to the first digital asset account. The inquiry information is used to ask whether to agree to be associated with the second digital asset account.

[0103] Step 806: When the authentication of the second digital asset account passes and a confirmation association message is received from the first digital asset account, the dual verification of the account association request passes.

[0104] Step 808: After the verification passes, record the first digital asset account as the associated account of the second digital asset account.

[0105] Step 810: Receive a special identity marking request initiated for the first digital asset account. The special identity marking request carries special identity information.

[0106] Step 812: Query the authentication information of the first digital asset account.

[0107] Step 814: Extract the identity identifier from the authentication information.

[0108] Step 816: Determine the special identity type corresponding to the special identity information.

[0109] Step 818: Query the special identity information corresponding to the identity identifier from the database corresponding to the special identity type. If the queried special identity information is consistent with the special identity information carried in the special identity marking request, the special identity verification passes. After the verification passes, mark the special identity for the first digital asset account.

[0110] Step 820: Create a smart contract for the first digital asset account in the blockchain. The smart contract includes discount parameters for the first digital asset account under different payment scenarios.

[0111] Step 822: Receive a payment request initiated through the first digital asset account.

[0112] Step 824: When it is checked that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is already associated with the second digital asset account, call the smart contract for the first digital asset account. Query the corresponding discount parameters according to the payment scenario and the special identity marking type through the smart contract, and perform asset deduction processing on the second digital asset account according to the discount parameters.

[0113] The above payment method receives a special identity marking request initiated for a first digital asset account. This special identity marking request carries special identity information, and based on this special identity information, a special identity mark is labeled on the first digital asset account. This special identity mark can be used as proof of the special identity of a special group, solving the problem of special identity certification. Subsequently, after receiving a payment request initiated through the first digital asset account, when it is detected that the first digital asset account serving as the payment account in the payment request has a special identity mark and the first digital asset account serving as the payment account is associated with a second digital asset account, the corresponding discount parameter can be queried according to the special identity mark type, and asset deduction processing can be performed on the second digital asset account based on this discount parameter. That is to say, there is no need to provide additional proof to verify whether the user is a special group eligible for preferential treatment. As long as there is a special identity mark, automatic payment can be made. Moreover, when it is associated with a second digital asset account, the deduction is automatically made from the associated second digital asset account. Special groups do not need to perform too many cumbersome operations on their digital asset accounts, solving the problem of inconvenience in the mobile payment operation process, bringing convenience to special groups, and improving the user experience during the payment process.

[0114] It should be understood that although the steps in the flowcharts involved in the above 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 limit, and these steps can be executed in other orders. Moreover, at least a part of the steps in the flowcharts involved in the above 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.

[0115] Based on the same inventive concept, an embodiment of the present application also provides a payment device for implementing the above-mentioned payment 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 payment device provided below can refer to the limitations on the payment method in the above text and will not be elaborated here.

[0116] In one embodiment, as Figure 9 shown, a payment device 900 is provided, including: a marking request receiving module 902, a marking module 904, a payment request receiving module 906, and a payment request response module 908, where:

[0117] A marking request receiving module 902, configured to receive a special identity marking request initiated for a first digital asset account, where the special identity marking request carries special identity information;

[0118] A marking module 904, configured to mark a special identity for the first digital asset account according to the special identity information;

[0119] A payment request receiving module 906, configured to receive a payment request initiated through the first digital asset account;

[0120] A payment request response module 908, configured to, when it is checked that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is associated with a second digital asset account, query corresponding discount parameters according to the special identity marking type, and perform asset deduction processing on the second digital asset account according to the discount parameters.

[0121] In one embodiment, the payment device 900 further includes:

[0122] A smart contract creation module, configured to create a smart contract about the first digital asset account in the blockchain, where the smart contract includes discount parameters for the first digital asset account in different payment scenarios;

[0123] The payment request response module 908 is further configured to, when it is checked that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is associated with a second digital asset account, call the smart contract about the first digital asset account, query corresponding discount parameters according to the payment scenario and the special identity marking type through the smart contract, and perform asset deduction processing on the second digital asset account according to the discount parameters.

[0124] In one embodiment, the payment device 900 further includes:

[0125] An account association module, configured to receive an account association request initiated through the second digital asset account, where the account association request carries the first digital asset account; perform double verification on the account association request, and record the first digital asset account as an associated account of the second digital asset account after the verification passes.

[0126] In one embodiment, the account association module is further configured to perform identity verification on the second digital asset account, and send inquiry information to the first digital asset account, where the inquiry information is used to inquire whether to agree to be associated with the second digital asset account; when the identity verification of the second digital asset account passes and a confirmation association message is received from the first digital asset account, the double verification of the account association request passes.

[0127] In one embodiment, the annotation module 904 is further configured to query the authentication information of the first digital asset account; perform special identity verification based on the authentication information and the special identity information, and annotate the first digital asset account with a special identity mark after the verification is passed.

[0128] In one embodiment, the annotation module 904 is further configured to extract the identity identifier from the authentication information; determine the special identity type corresponding to the special identity information; query the special identity information corresponding to the identity identifier from the database corresponding to the special identity type, and if the queried special identity information is consistent with the special identity information carried in the special identity mark request, the special identity verification is passed.

[0129] In one embodiment, the payment device 900 further includes:

[0130] A payment method providing module, configured to provide a convenient payment method corresponding to the special identity mark type for the first digital asset account according to the special identity mark type of the special identity mark of the first digital asset account, and the convenient payment method includes at least one of a visual password disk payment method, a voice password payment method, and a fingerprint payment method.

[0131] In one embodiment, the payment device 900 further includes:

[0132] A payment information prompting module, configured to send a payment prompt message to the first digital asset account in an information prompting manner matching the special identity mark type according to the special identity mark type of the special identity mark of the first digital asset account during the process of performing asset deduction processing on the second digital asset account.

[0133] The above-mentioned payment device 900 receives a special identity marking request initiated for a first digital asset account. This special identity marking request carries special identity information, and based on this special identity information, a special identity marking is labeled for the first digital asset account. This special identity marking can be used as proof of the special identity of a special group, solving the problem of special identity certification. After that, after receiving a payment request initiated through the first digital asset account, when it is checked that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is associated with a second digital asset account, the corresponding discount parameter can be queried according to the special identity marking type, and asset deduction processing can be performed on the second digital asset account according to this discount parameter. That is to say, there is no need to provide additional proof to verify whether it is a special group that can enjoy preferential treatment. As long as there is a special identity marking, automatic payment can be made. Moreover, in the case of being associated with a second digital asset account, automatic deduction is made from the associated second digital asset account. Special groups do not need to perform too many cumbersome operations on their own digital asset accounts, solving the problem of inconvenience in the mobile payment operation process, bringing convenience to special groups, and enhancing the user experience during the payment process.

[0134] Each module in the above-mentioned payment device can be implemented in whole or in part by software, hardware, and their combination. Each of the above modules can be embedded in the processor in 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 each of the above modules.

[0135] In one embodiment, a computer device is provided. This 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 a system bus, and the communication interface is connected to the system bus through the input / output interface. Among them, the processor of this computer device is used to provide computing and control capabilities. The memory of this 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 this computer device is used to store the special identity information of the digital asset accounts labeled with special identity markings. The input / output interface of this computer device is used for the processor to exchange information with external devices. The communication interface of this computer device is used to communicate with external terminals through a network connection. When the computer program is executed by the processor, a payment method is implemented.

[0136] Those skilled in the art can understand that Figure 10 The structure shown in Figure 10 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.

[0137] 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 payment method provided in the above embodiment are implemented.

[0138] 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 payment method provided in the above embodiment are implemented.

[0139] 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 payment method provided in the above embodiment are implemented.

[0140] 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.

[0141] 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 memories can include read-only memory (ROM), magnetic tapes, floppy disks, flash memories, optical memories, high-density embedded non-volatile memories, resistive random access memories (ReRAM), magnetoresistive random access memories (MRAM), ferroelectric random access memories (FRAM), phase change memories (PCM), graphene memories, etc. Volatile memories can include random access memory (RAM) or external cache memories, 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 processors, graphics processors, digital signal processors, programmable logics, data processing logics based on quantum computing, etc., without limitation.

[0142] 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.

[0143] The above-described embodiments only represent several implementation manners of the present application. The description 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. A payment method, characterized in that, The method includes: Receiving a special identity marking request initiated for a first digital asset account, where the special identity marking request carries special identity information; Marking the first digital asset account with a special identity marking according to the special identity information; Receiving a payment request initiated through the first digital asset account; When it is detected that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is already associated with a second digital asset account, querying the corresponding discount parameter according to the special identity marking type, and performing an asset deduction process on the second digital asset account according to the discount parameter.

2. The method according to claim 1, characterized in that After marking the first digital asset account with a special identity marking according to the special identity information, the method further includes: Creating a smart contract for the first digital asset account in the blockchain, where the smart contract includes discount parameters for the first digital asset account under different payment scenarios; When it is detected that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is already associated with a second digital asset account, querying the corresponding discount parameter according to the special identity marking type, and performing an asset deduction process on the second digital asset account according to the discount parameter, includes: When it is detected that the first digital asset account carried in the payment request as the payment account has a special identity marking and the first digital asset account as the payment account is already associated with a second digital asset account, invoking the smart contract for the first digital asset account, querying the corresponding discount parameter according to the payment scenario and the special identity marking type through the smart contract, and performing an asset deduction process on the second digital asset account according to the discount parameter.

3. The method according to claim 1, wherein Before receiving the special identity marking request initiated for the first digital asset account, the method further includes: Receiving an account association request initiated through a second digital asset account, where the account association request carries the first digital asset account; Performing double verification on the account association request, and recording the first digital asset account as the associated account of the second digital asset account after the verification passes.

4. The method according to claim 3, characterized in that Performing double verification on the account association request includes: Authenticating the identity of the second digital asset account, and sending inquiry information to the first digital asset account, where the inquiry information is used to inquire whether to agree to be associated with the second digital asset account; When the identity verification of the second digital asset account passes and a confirmation association message is received from the first digital asset account, the double verification of the account association request passes.

5. The method according to claim 1, wherein Marking the first digital asset account with a special identity marking according to the special identity information includes: Querying the authentication information of the first digital asset account; Performing special identity verification according to the authentication information and the special identity information, and marking the first digital asset account with a special identity marking after the verification passes.

6. The method according to claim 5, characterized in that, Performing special identity authentication based on the authentication information and the special identity information includes: Extracting the identity identifier from the authentication information; Determining the special identity type corresponding to the special identity information; Querying the special identity information corresponding to the identity identifier from the database corresponding to the special identity type. If the queried special identity information is consistent with the special identity information carried in the special identity marking request, the special identity authentication passes.

7. The method according to any one of claims 1 to 6, characterized in that, Before receiving the payment request initiated through the first digital asset account, the method further includes: Providing a convenient payment method corresponding to the special identity marking type to the first digital asset account according to the special identity marking type of the characteristic identity marking of the first digital asset account. The convenient payment method includes at least one of a visual password disk payment method, a voice password payment method, and a fingerprint payment method.

8. A payment device, characterized in that, The device includes: A marking request receiving module, configured to receive a special identity marking request initiated for a first digital asset account, where the special identity marking request carries special identity information; A marking module, configured to mark a special identity marking for the first digital asset account according to the special identity information; A payment request receiving module, configured to receive a payment request initiated through the first digital asset account; A payment request response module, configured to, when it is checked that the first digital asset account as the payment account carried in the payment request has a special identity marking and the first digital asset account as the payment account has been associated with a second digital asset account, query a corresponding discount parameter according to the special identity marking type, and perform asset deduction processing on the second digital asset account according to the discount parameter.

9. 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, it implements the steps of the method according to any one of claims 1 to 6.

10. A computer-readable storage medium having a computer program stored thereon, 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 6.

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