Digital currency collection method and apparatus

Abstract

The present disclosure relates to the field of digital currency payment. Provided are a digital currency collection method and apparatus. A specific implementation of the method comprises: in response to a collection operation of a user, sending to a backend system an identifier of a target wallet and a collection amount, which correspond to the collection operation; receiving a limit verification result sent by the backend system, confirming that the limit verification result indicates that the collection amount meets a collection limit requirement corresponding to the identifier of the target wallet, and acquiring payer wallet information; sending a collection request to the backend system; and receiving a collection result sent by the backend system, wherein the collection result is generated after the backend system performs digital currency collection on the basis of the collection request. The implementation provides merchant users with a convenient digital currency collection method, and lowers the barrier to using digital currency for merchant collection.

Description

Digital currency collection method and device

[0001] Cross-reference to Related Applications

[0002] The present application claims priority to Chinese Patent Application No. 2024109932950 entitled "Digital currency collection method and device" filed on July 23, 2024, the disclosure of which is hereby incorporated by reference in its entirety into the present application as part or parts thereof. TECHNICAL FIELD

[0003] The present disclosure relates to the technical field of computer, and in particular, to a digital currency collection method and device, an electronic device and a computer readable medium. BACKGROUND

[0004] The existing digital currency merchant collection methods include that the merchant initiates collection using a POS device (Point of Sale) and the merchant uses a personal mobile terminal to transfer money in C2C (person to person). Since small and micro merchants do not have the conditions to use POS terminals, the popularity of POS collection in small and micro merchant collection scenarios is low, and the friendliness needs to be improved. On the other hand, C2C money transfer is not conducive to merchant management and fund supervision, and will be limited by the transaction limit. The existing merchant collection method cannot meet the demand of providing collection services on the mobile terminal in a convenient and standardized manner, and it is difficult to solve the payment pain points of small and micro merchants. SUMMARY

[0005] Therefore, the present disclosure provides a digital currency collection method based on a wallet application terminal for a merchant in an aspect, and in particular, the collection method is applied to a wallet application terminal, including the following steps:

[0006] In response to a user's collection operation, sending a target wallet identifier and a collection amount corresponding to the collection operation to a background system;

[0007] Receiving a limit audit result sent by the background system, confirming that the limit audit result indicates that the collection amount meets the requirements of the collection limit corresponding to the target wallet identifier, and obtaining payment wallet information, wherein the payment wallet information includes a payment wallet identifier;

[0008] Sending a collection request to the background system, wherein the collection request includes the payment wallet identifier, the target wallet identifier and the collection amount;

[0009] Receiving a collection result sent by the background system, wherein the collection result is generated by the background system after performing digital currency collection according to the collection request.

[0010] In some embodiments of the present disclosure, before responding to the user's collection operation, the method further includes:

[0011] In response to the user triggering the preset control on the wallet application terminal, the identity of the user is sent to the background system;

[0012] The payment collection capability confirmation result sent by the background system is received, and it is verified that the payment collection capability confirmation result indicates that the user has the payment collection capability, and a payment collection operation entrance is displayed. The payment collection capability confirmation result is generated by the background system after confirming the identity of the user.

[0013] In some embodiments of the present disclosure, the payment wallet information is obtained, including:

[0014] A near field communication connection channel is established with the payment wallet, and the payment wallet information is obtained through the near field communication connection channel; or

[0015] The two-dimensional code information displayed by the payment wallet is scanned and analyzed to obtain the payment wallet information.

[0016] In some embodiments of the present disclosure, the payment wallet information includes a response instruction, and before the payment collection request is sent, the method further includes:

[0017] According to the response instruction of the payment wallet, it is determined that the payment wallet meets the payment requirement.

[0018] In some embodiments of the present disclosure, the payment collection result is generated by the background system according to the following steps:

[0019] The background system determines the state, balance, free password amount, payment limit, and payment conditions of the payment wallet according to the payment amount, and / or the two-dimensional code information meets the payment condition. If the payment amount, the state, the balance, the free password amount, the payment limit, and / or the two-dimensional code information of the payment wallet meet the payment condition, the background system executes the digital currency deduction processing on the payment wallet according to the payment amount, executes the digital currency collection processing on the target wallet, and generates the payment collection result indicating that the payment collection is successful.

[0020] In response to the judgment result that the payment wallet does not have the network password verification capability, the background system determines that the state, balance, free password amount, payment limit, or two-dimensional code information of the payment wallet do not meet the payment condition according to the payment amount. If the state, balance, free password amount, payment limit, or two-dimensional code information of the payment wallet do not meet the payment condition, the background system generates a payment collection result indicating that the payment collection fails.

[0021] In some embodiments of the present disclosure, the payment collection result is also generated by the background system according to the following steps:

[0022] The background system returns a response requiring authentication to the payment wallet in response to the result of determining whether the payment wallet has the network authentication capability, and in response to the result of determining whether the state, balance, payment limit, and two-dimensional code information of the payment wallet satisfy the payment condition according to the payment amount, and the payment amount is greater than the password-free amount of the payment wallet.

[0023] The background system generates a payment result indicating that the payment fails in response to the result of determining that the state, balance, payment limit, or two-dimensional code information of the payment wallet does not satisfy the payment condition according to the payment amount.

[0024] In some embodiments of the present disclosure, the method further comprises:

[0025] generating a transaction order in response to the payment operation of the user;

[0026] sending a refund request to the background system in response to the refund operation of the user in the transaction order, the refund request comprising a refund amount and a transaction order number;

[0027] receiving a refund processing result sent by the background system, wherein the refund processing result is generated by the background system according to the refund processing of the refund request.

[0028] In some embodiments of the present disclosure, the refund processing result is generated by the background system according to the following steps:

[0029] The background system acquires a payment wallet identifier according to the transaction order number;

[0030] The background system determines that the state of the payment wallet satisfies the refund condition, performs digital currency refund processing on the payment wallet associated with the payment wallet identifier according to the refund amount, performs digital currency deduction processing on the target wallet, and generates a refund processing result indicating that the refund is successful;

[0031] The background system determines that the state of the payment wallet does not satisfy the refund condition, and generates a refund processing result indicating that the refund fails.

[0032] Another aspect of the embodiments of the present disclosure also provides a digital currency payment device applied to a wallet application terminal, the device comprising a limit audit application module, a payment wallet information acquisition module, a request payment module, and a receiving module, wherein

[0033] The limit audit application module is configured to send a target wallet identifier and a payment amount corresponding to the payment operation of the user to the background system in response to the payment operation of the user;

[0034] The payment wallet information obtaining module is configured to receive the quota review result sent by the background system, confirm that the quota review result indicates that the collection amount corresponding to the target wallet identifier meets the requirement of the collection quota, and obtain the payment wallet information, wherein the payment wallet information includes the payment wallet identifier;

[0035] The request collection module is configured to send a collection request to the background system, wherein the collection request includes the payment wallet identifier, the target wallet identifier, and the collection amount.

[0036] The receiving module is configured to receive a collection result sent by the background system, wherein the collection result is generated by the background system after the digital currency collection according to the collection request.

[0037] According to another aspect of the embodiments of the present disclosure, an electronic device is provided, including: one or more processors; a storage device configured to store one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the method provided by the embodiments of the present disclosure.

[0038] According to another aspect of the embodiments of the present disclosure, a computer readable medium is provided, and the computer readable medium stores a computer program, when the computer program is executed by a processor, the method provided by the embodiments of the present disclosure is implemented.

[0039] The further effects of the above-mentioned non-conventional optional mode will be described in the following combined with the specific embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0040] The accompanying drawings are used to better understand the present disclosure, and do not constitute an improper limitation on the present disclosure. Among them:

[0041] FIG. 1 is a schematic diagram of the overall architecture of a digital currency collection system according to some embodiments of the present disclosure;

[0042] FIG. 2 is a schematic diagram of the flow of a digital currency collection method according to some embodiments of the present disclosure;

[0043] FIG. 3 is a schematic diagram of the data flow of merchant access and collection capability query according to some embodiments of the present disclosure;

[0044] FIG. 4 is a schematic diagram of the flow of the collection processing of the background system in the digital currency collection method according to some embodiments of the present disclosure;

[0045] FIG. 5 is a schematic diagram of the data flow of the processing of the collection request of the background system in the digital currency collection method according to some embodiments of the present disclosure;

[0046] FIG. 6 is another schematic diagram of the data flow of the processing of the collection request of the background system in the digital currency collection method according to some embodiments of the present disclosure;

[0047] FIG. 7 is a flow diagram of a digital currency collection method according to some embodiments of the present disclosure;

[0048] FIG. 8 is a flow diagram of a refund process in a digital currency collection method according to some embodiments of the present disclosure;

[0049] FIG. 9 is a data flow diagram of a refund process in a digital currency collection method according to some embodiments of the present disclosure;

[0050] FIG. 10 is a functional module architecture diagram of a digital currency collection device according to some embodiments of the present disclosure;

[0051] FIG. 11 is an exemplary system architecture diagram to which embodiments of the present disclosure can be applied;

[0052] FIG. 12 is a structural diagram of a computer system of a terminal device or a server suitable for implementing embodiments of the present disclosure. DETAILED DESCRIPTION

[0053] Exemplary embodiments of the present disclosure are described below with reference to the accompanying drawings, which include various details of the embodiments of the present disclosure to assist in understanding, and should be considered as merely exemplary. Thus, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the present disclosure. Also, for the sake of brevity and clarity, descriptions of well-known functions and constructions are omitted from the following description.

[0054] The following describes concepts involved in embodiments of the present disclosure.

[0055] The hard wallet referred to in embodiments of the present disclosure is a chip card installed with a secure unit, and wallet information is stored in the secure unit. The type of hard wallet includes a non-visible type and a visible type. The visible type of hard wallet is provided with a visible screen, which can display information such as the balance and payment code of the hard wallet, and the visible type of hard wallet supports display in multiple languages. The background system in embodiments of the present disclosure includes an operating agency system, an interconnection system, and a wallet background system. The operating agency system (or operating agency) in embodiments of the present disclosure refers to the management agency of the wallet, which can maintain the balance of the soft wallet or the hard wallet, store transaction records, manage the wallet, etc. The wallet background system in embodiments of the present disclosure refers to the background system of the wallet application, which can interact with each operating agency through the interconnection system, and can manage the login state of the wallet application, the application login password login. Generally, the operation and maintenance of the wallet application background and the operating agency are different subjects. The interconnection system in embodiments of the present disclosure refers to a platform that can realize interoperation and information transmission through messages.

[0056] The "NFC" mentioned in the embodiments of the present disclosure refers to near field communication technology.

[0057] The digital currency collection method provided in the embodiments of the present disclosure can be applied to a wallet application terminal or a collection system including a wallet application terminal.

[0058] As shown in FIG. 1, the embodiments of the present disclosure provide a digital currency collection system 100 that can run the digital currency collection method in the embodiments of the present disclosure, including a wallet application terminal 110, a payment wallet 120 and a background system 130, wherein the wallet application terminal 110 can carry wallets for interfacing different operating agency systems, and when a user selects one of the wallets to initiate collection, this wallet is the target wallet 111; the payment wallet 120 can be another wallet application terminal or a hard wallet; when the wallet application terminal 110 collects from the payment wallet 120, it can obtain transaction information from the payment wallet 120 using the NFC protocol, or it can initiate collection to the background system 130 by scanning the transaction two-dimensional code generated by the payment wallet 120.

[0059] As shown in FIG. 2, the embodiments of the present disclosure provide a digital currency collection method according to the digital currency collection system 100 shown in FIG. 1, including:

[0060] S210: When the user clicks a preset control on the wallet application terminal 110, such as a "Tap to Pay" control or a "Scan to Pay" control, the wallet application terminal 110 sends the user's identifier, such as a mobile phone number, to the background system 130, the background system 130 generates a collection capability confirmation result based on the user's identifier, and returns the collection capability confirmation result to the wallet application terminal 110; the wallet application terminal 110 determines whether the user has collection capability based on the collection capability confirmation result, and displays a collection entry in the page generated after the user triggers the "Tap to Pay" control or the "Scan to Pay" control if the user has collection capability, and does not display a collection entry in the corresponding page if the user does not have collection capability, in order to avoid invalid operations by the user and reduce user experience. In some embodiments of the present disclosure, the user triggers the "Tap to Pay" control to communicate with the payment wallet using a near field communication protocol, such as the NFC protocol, to obtain payment wallet information; the user triggers the "Scan to Pay" control to obtain payment wallet information by scanning a payment wallet two-dimensional code.

[0061] In the embodiments of the present disclosure, the background system 130 judges whether the user has the ability to collect money, and the background subsystems involved include the collection wallet operation agency system, the interconnection system and the wallet background system. Before the user initiates the collection, the user needs to request the collection access to the background system. As shown in FIG. 3, the user submits an application request to the wallet background system through the wallet application terminal 110, the wallet background system sends the application request to the collection wallet operation agency through the interconnection system, the collection wallet operation agency judges the access according to the application request, confirms the access, allocates the merchant number, MCC (Merchant Category Code, merchant category code), business type and other information to the user, and sends the access list to the interconnection system for storage. Subsequently, the interconnection system can judge whether the user is in the access list. In some embodiments of the present disclosure, the application request includes user real name information, business scope, business license and designated collection wallet information. The information in the above application request can be flexibly combined according to different merchants.

[0062] In the embodiments of the present disclosure, after the user triggers the "touch and touch" control or the "scan and scan" control, the wallet application terminal 110 sends the user's identifier to the interconnection system through the wallet background system, the interconnection system judges whether the user is in the access list, and returns the collection ability confirmation result indicating that the user has the ability to collect money to the wallet background system, and the wallet background system returns the collection ability confirmation result to the wallet application terminal 110.

[0063] S220: After displaying the collection entrance, the user initiates the collection through the target wallet 111 in the wallet application terminal 110, for example, clicks the "collection" button, inputs the collection amount, and the wallet application terminal 110 sends the target wallet identifier and the collection amount to the background system 130 in response to the user's collection operation.

[0064] S230: The background system 130 obtains the collection limit of the target wallet according to the identifier of the target wallet, and generates a limit audit result according to the collection limit and the collection amount.

[0065] The background system 130 in the embodiments of the present disclosure can include the wallet background system, the interconnection system and the collection wallet operation agency. The wallet application terminal 110 sends the target wallet identifier and the collection amount to the wallet background system, the wallet background system sends the target wallet identifier and the collection amount to the collection wallet operation agency through the interconnection system, the collection wallet operation agency obtains the collection limit of the target wallet according to the target wallet identifier, and then generates a limit audit result according to the collection limit and the collection amount.

[0066] For example, the background system 130 or the collection wallet operating agency obtains that the limit of the target wallet 111 is 10000 yuan and the collection amount is 100 yuan, and generates a limit audit result that the collection amount meets the requirement of the collection limit. When the limit is 1000 yuan and the collection amount is 1200 yuan, a limit audit result that the collection amount does not meet the requirement of the collection limit is generated.

[0067] In some embodiments of the present disclosure, the limit audit result is also generated according to the amount of digital currency that the target wallet itself has, for example, the background system 130 or the collection wallet operating agency obtains that the limit of the target wallet 111 is 10000 yuan, the balance is 9500 yuan, and the collection amount is 100 yuan. Then, the balance + the collection amount = 9600 < the limit 10000 yuan, and the limit audit result that the collection amount meets the requirement of the collection limit is generated. When the limit is 10000 yuan, the balance is 9950 yuan, and the collection amount is 100 yuan, the balance + the collection amount = 10050 > the limit 10000 yuan, and the limit audit result that the collection amount does not meet the requirement of the collection limit is generated.

[0068] In some embodiments of the present disclosure, the limit audit result is also generated according to the single transaction limit of the target wallet 111, for example, the background system 130 or the collection wallet operating agency obtains that the limit of the target wallet 111 is 10000 yuan, the balance is 9500 yuan, the single transaction limit is 1000 yuan, and the collection amount is 100 yuan. Then, the balance + the collection amount = 9600 < the limit 10000 yuan, and the collection amount 100 yuan < the single transaction limit 1000 yuan, and the limit audit result that the collection amount meets the requirement of the collection limit is generated. When the limit is 10000 yuan, the balance is 7700 yuan, and the collection amount is 2000 yuan, the balance + the collection amount = 9700 < the limit 10000 yuan, but the collection amount 2000 yuan > the single transaction limit 1000 yuan, and the limit audit result that the collection amount does not meet the requirement of the collection limit is generated.

[0069] S240: The wallet application terminal 110 receives the limit audit result sent by the background system 130, confirms that the limit audit result indicates that the collection amount meets the requirement of the collection limit corresponding to the target wallet identifier, and obtains the payment wallet information, wherein the payment wallet information includes the payment wallet identifier. As before, the wallet application terminal 110 can obtain the payment wallet information from the payment wallet 120 through near field communication technology such as NFC, or can obtain the payment wallet information by scanning the transaction two-dimensional code information generated by the payment wallet 120. When the wallet application terminal 110 confirms that the limit audit result indicates that the collection amount meets the requirement of the collection limit corresponding to the target wallet identifier, the wallet application terminal 110 waits for the payment wallet 120 to approach the wallet application terminal 110, and then the wallet application terminal 110 performs near field communication with the payment wallet, or the wallet application terminal 110 scans the transaction two-dimensional code information generated by the payment wallet.

[0070] In the embodiments of the present disclosure, the payment wallet identifier can be a number of the payment wallet or an association code associated with the wallet. In the number or the association code of the wallet in the embodiments of the present disclosure, a flag indicating an operating institution of the payment wallet 120 is set, and the operating institution of the payment wallet 120 can be intuitively known through the number or the association code.

[0071] In some embodiments of the present disclosure, the wallet application terminal 110 judges that the limit review result indicates that the collection amount does not meet the requirement of the collection limit corresponding to the target wallet identifier, and generates information prompting the user to upgrade the wallet, so that the user can upgrade the collection limit of the target wallet.

[0072] S250: The wallet application terminal 110 sends a collection request to the background system 130, wherein the collection request includes the payment wallet identifier, the target wallet identifier and the collection amount.

[0073] In some embodiments of the present disclosure, the wallet application terminal 110 generates a collection request according to the payment wallet identifier, the target wallet identifier and the collection amount, and sends the collection request to the background system 130 according to an encryption transmission protocol agreed with the background system 130.

[0074] In some embodiments of the present disclosure, the wallet application terminal 110 further judges whether the type of the payment wallet meets the payment requirement before sending the collection request. The wallet application terminal 110 establishes a communication channel with the payment wallet through a near field communication protocol or obtains a response instruction of the payment wallet by scanning a transaction two-dimensional code of the payment wallet, and determines whether the payment wallet meets the payment requirement according to the response instruction. In some embodiments of the present disclosure, it is limited that the collection can only be made to the hard wallet, and the response instruction will be associated with the type of the payment wallet in the above-mentioned response instruction. When it is detected that the response instruction is the instruction associated with the hard wallet, it is judged that the payment wallet meets the payment requirement. For example, the response instruction of the soft wallet is SWresponse: walletID, and the response instruction of the hard wallet is HWresponse: walletID. When the wallet application terminal 110 obtains the response instruction HWresponse: walletID from the payment wallet 120, the payment wallet meets the payment requirement.

[0075] S260: The background system 130 collects the digital currency according to the collection request, and generates a collection result.

[0076] In some embodiments of the present disclosure, the wallet application terminal 110 establishes a connection with the payment wallet 120 through a near field communication channel to obtain payment wallet information. In this scenario, the payment wallet 120 is mostly a hardware wallet card, and the collection transaction is mostly a single offline transaction. It is difficult for the payment user to use the payment wallet to input a password for payment above the password-free amount. In the embodiments of the present disclosure, for the payment wallet that is a hardware wallet card or does not have a network verification capability, when the collection amount exceeds the password-free amount of the payment wallet, the collection fails. As shown in FIG. 4, in some embodiments, the operation of the background system 130 for digital currency collection according to the collection request includes the following steps:

[0077] S261: The background system 130 determines the state, balance, password-free amount, and payment limit of the payment wallet according to the collection amount, and determines whether the payment conditions are met and / or the two-dimensional code information meets the payment conditions. If yes, the background system 130 performs a digital currency deduction process on the payment wallet according to the collection amount, performs a digital currency collection process on the target wallet 111, and generates a collection result indicating that the collection is successful.

[0078] S262: The background system 130 determines the state, balance, password-free amount, payment limit, or two-dimensional code information of the payment wallet according to the collection amount, and determines whether the payment conditions are met. If no, the background system 130 generates a collection result indicating that the collection fails.

[0079] In the embodiments of the present disclosure, when the state of the payment wallet is a non-normal state such as cancellation or loss, the payment conditions are not met. When the state of the payment wallet is normal, the payment conditions are met. When the balance is greater than or equal to the collection amount, the payment conditions are met. When the balance is less than the collection amount, the payment conditions are not met. When the password-free amount is greater than or equal to the collection amount, the payment conditions are met. When the password-free amount is less than the collection amount, the payment conditions are not met. When the collection amount is less than or equal to the payment limit, the payment conditions are met. When the collection amount is greater than the payment limit, the payment conditions are not met. When the two-dimensional code information is within the valid period and has not been used, the payment conditions are met. When the two-dimensional code information is not within the valid period or has been used, the payment conditions are not met.

[0080] In the embodiments of the present disclosure, for the payment wallet with a network verification capability, when the collection amount exceeds the password-free amount, the background system 130 also generates a response that needs to be verified and returns it to the payment wallet 120. The payment wallet 120 sends a payment password to the background system 130. The background system performs a collection process after verification.

[0081] S263: In response to the determination that the payment wallet has the network authentication capability, the background system 130 determines, according to the payment amount, whether the state, balance, payment limit, and two-dimensional code information of the payment wallet satisfy the payment condition, and whether the payment amount is greater than the password-free amount of the payment wallet. If yes, the background system 130 returns a response requiring authentication to the payment wallet.

[0082] S264: After the payment wallet 120 acquires the payment password input by the payment user, the payment wallet 120 sends the payment password to the background system 130. The background system 130 verifies the payment password and succeeds in verification. Then, the background system 130 performs digital currency deduction processing on the payment wallet according to the payment amount, performs digital currency collection processing on the target wallet, and generates a collection result indicating that the collection is successful.

[0083] S265: The background system 130 determines, according to the payment amount, whether the state, balance, payment limit, or two-dimensional code information of the payment wallet satisfy the payment condition. If no, the background system 130 generates a collection result indicating that the collection fails.

[0084] In the embodiments of the present disclosure, the process of performing digital currency deduction processing on the payment wallet and performing digital currency collection processing on the target wallet by the background system can be as follows: The background system 130 deducts or destroys the digital currency corresponding to the payment amount from the payment wallet according to the payment amount, and then transfers or generates the digital currency corresponding to the payment amount to or in the target wallet.

[0085] In the collection process of the background system 130 in the embodiments of the present disclosure, the background system 130 can include a wallet background system, an interconnection system, a collection wallet operating institution, and a payment wallet operating institution. As shown in FIG. 5, the wallet application terminal 110 sends a collection request to the wallet background system. The wallet background system acquires the payment wallet operating institution corresponding to the payment wallet according to the payment wallet identifier. The wallet background system sends the collection request to the payment wallet operating institution through the interconnection system. The payment wallet operating institution verifies the information of the payment wallet according to the collection request. When the payment wallet 120 does not have the network authentication capability, the payment wallet operating institution receives the collection request, determines the state, balance, password-free amount, and payment limit of the payment wallet, and / or the two-dimensional code information, and determines whether the payment is possible. If yes, the payment wallet operating institution performs deduction processing, returns a deduction result indicating that the deduction is successful, and returns a deduction result indicating that the deduction is successful. If no, the payment wallet operating institution returns a deduction result indicating that the collection fails. The payment wallet operating institution sends the deduction result to the interconnection system. The interconnection system sends the deduction result to the wallet background system and the collection wallet operating institution. The collection wallet operating institution determines that the deduction result indicates that the deduction is successful, increases the digital currency balance of the target wallet, the wallet background system generates a collection result according to the deduction result, and returns the collection result to the wallet application terminal 110.

[0086] When the payment wallet 120 has the online verification capability, as shown in FIG. 6, after the payment wallet operator receives the payment request, it is determined that the state, balance, payment limit, and / or two-dimensional code information of the payment wallet meet the payment conditions, but the payment amount exceeds the password-free amount, a response requiring verification is generated, and the response requiring verification is returned to the payment wallet 120 through the interconnection system. The payment wallet 120 sends the payment password input by the user to the payment wallet operator. After the payment wallet operator verifies the payment password, it performs the deduction processing and returns the deduction success result. If the wallet state is abnormal, or the balance is insufficient, or the password-free amount is exceeded, or the payment limit is exceeded, or the two-dimensional code is invalid or has been used, the deduction fails, and the deduction result indicating the payment failure is returned. The payment wallet operator sends the deduction result to the interconnection system, and the interconnection system sends the deduction result to the wallet background system and the payment wallet operator. The payment wallet operator increases the digital currency balance of the target wallet according to the deduction result indicating the successful deduction. The wallet background system generates the payment result according to the deduction result and returns it to the wallet application terminal 110.

[0087] S270: The wallet application terminal 110 receives the payment result sent by the background system 130 and prompts the user according to the payment result that the payment is successful or the payment fails.

[0088] The payment method in the embodiments of the present disclosure can initiate payment by the wallet application terminal, reduce the operation of the payer, be more in line with the transaction habits, and improve the user experience of the transaction parties.

[0089] The payment method or payment system in the embodiments of the present disclosure can also support the refund processing when the user makes a mistake in payment or the payer user applies for a refund.

[0090] In some embodiments of the present disclosure, after step S220, the wallet application terminal 110 generates a transaction order in response to the user's payment operation and sends the transaction order to the background system 130. When a refund is needed later, the wallet application terminal 110 obtains the transaction order information from the background system 130, the user selects one of the transaction orders, and initiates the refund.

[0091] As shown in FIG. 7, in some embodiments of the present disclosure, the payment method further includes the following steps:

[0092] S280: The wallet application terminal 110 sends a refund request to the background system 130 in response to the user's refund operation in the transaction order, wherein the refund request includes the refund amount and the transaction order number. In an embodiment of the present disclosure, the wallet application terminal can obtain the list of initiated collection transaction orders by accessing the background system, obtain the selected transaction order from the list of collection transaction orders, and then view the detailed information of the transaction order, such as the collection amount, the transaction time, the payment wallet information, etc. Then the user initiates a refund operation for the transaction order, and the user can input the refund amount, which can be full refund or partial refund. When the user input refund amount is greater than the collection amount in the transaction order, the wallet application terminal 110 generates an alarm prompt information.

[0093] S290: The background system 130 processes the refund according to the refund request and generates a refund processing result sent to the wallet application terminal 110.

[0094] As shown in FIG. 8, the processing operation of the background system 130 for refund can be as follows:

[0095] S291: The background system 130 obtains the payment wallet identifier according to the transaction order number; the background system 130 maintains a mapping relationship between the transaction order number and the transaction order details, obtains the transaction order details according to the transaction order number, and obtains the payment wallet identifier from the transaction order details.

[0096] S292: The background system 130 judges that the state of the payment wallet satisfies the refund condition, processes the digital currency refund of the payment wallet according to the refund amount, processes the digital currency deduction of the target wallet, and generates a refund processing result indicating that the refund is successful.

[0097] In some embodiments of the present disclosure, the payment wallet 120 cannot satisfy the refund condition when it is in the loss or cancellation state, the payment wallet does not satisfy the refund condition if the refund amount + balance of the payment wallet 120 is greater than the collection limit, and the payment wallet satisfies the refund condition if the refund amount + balance of the payment wallet 120 is less than or equal to the collection limit.

[0098] S293: The background system 130 judges that the state of the payment wallet does not satisfy the refund condition, and generates a refund processing result indicating that the refund fails.

[0099] S294: The background system 130 sends the refund processing result to the wallet application terminal 110. The wallet application terminal 110 prompts the user according to the refund processing result.

[0100] In the above refund processing process, the background system 130 can include a wallet background system, an interconnection system, a payee wallet operating agency and a payer wallet operating agency. As shown in FIG. 9, the wallet application terminal 110 sends a refund request to the payee wallet operating agency through the wallet background system, the payee wallet operating agency processes the refund according to the refund request, reduces the balance of digital currency in the target wallet or destroys the corresponding digital currency in the target wallet, generates a refund result, and returns the refund result to the payer wallet operating agency through the interconnection system. If the payer wallet meets the refund condition, the payer wallet operating agency processes the refund for the payer wallet, increases the balance of digital currency in the payer wallet or mints the corresponding digital currency in the payer wallet, generates a refund processing result, and forwards the refund processing result to the payee wallet operating agency and the wallet background system through the interconnection system. The wallet background system returns the refund processing result to the wallet application terminal 110, and the wallet application terminal displays the refund processing result.

[0101] The digital currency collection method in the embodiment of the present disclosure realizes personal merchant collection initiated based on a mobile phone APP, realizes a mobile phone POS of a personal merchant by using a mobile phone APP, collects money to a personal wallet, can support scanning a two-dimensional code for collection, near field communication non-contact collection, and can scan a payment code displayed on a software application or a payment code on a hardware wallet. Meanwhile, merchant refund can be performed.

[0102] The embodiment of the present disclosure has the following advantages or beneficial effects: in the embodiment of the present disclosure, the wallet application terminal sends the wallet identifier of the target wallet for collection and the collection amount to the background system in response to the collection operation of the user, the background system performs limit auditing, confirms that the collection amount meets the collection limit requirement, and the wallet application terminal obtains the information of the payer wallet. The wallet application terminal initiates a collection request to the background system according to the information of the payer wallet, the background system performs a digital currency collection operation in the background according to the collection request, and realizes the function of the wallet application terminal for collection. It is convenient for the user, for example, a small and micro merchant to collect money by using the wallet application terminal, and improves the user experience of the user for collection. In a general transaction scenario, since the collection amount is generally calculated and generated by the collection party, the wallet application terminal using the payee wallet (target wallet) to initiate collection is more in line with the habit of commodity transaction, reduces the transaction operation of the payer, and improves the overall transaction efficiency.

[0103] As shown in FIG. 10, the embodiment of the present disclosure further provides a digital currency collection device 300 according to the above-mentioned digital currency collection method, which is applied to a wallet application terminal. The device 300 includes a limit auditing application module 310, a payer wallet information obtaining module 320, a request collection module 330 and a receiving module 340, wherein,

[0104] The quota review application module 310 is configured to, in response to a user's collection operation, send a target wallet identifier and a collection amount corresponding to the collection operation to the background system;

[0105] The payment wallet information acquisition module 320 is configured to receive the quota review result sent by the background system, confirm that the quota review result indicates that the collection amount corresponding to the target wallet identifier meets the requirements of the collection quota, and acquire payment wallet information, wherein the payment wallet information includes a payment wallet identifier;

[0106] The request collection module 330 is configured to send a collection request to the background system, wherein the collection request includes the payment wallet identifier, the target wallet identifier, and the collection amount;

[0107] The receiving module 340 is configured to receive a collection result sent by the background system, wherein the collection result is generated by the background system after performing digital currency collection according to the collection request.

[0108] In some embodiments of the present disclosure, the device 400 further includes a collection operation entry display module 350, which is configured to: in response to a user triggering a preset control on a wallet application terminal, send the user's identifier to the background system; receive a collection capability confirmation result sent by the background system, and verify that the collection capability confirmation result indicates that the user has the collection capability, and display a collection operation entry, wherein the collection capability confirmation result is generated by the background system after confirming the user's identifier.

[0109] In some embodiments of the present disclosure, the payment wallet information acquisition module 320 is configured to: establish a near field communication connection channel with the payment wallet, and acquire the payment wallet information through the near field communication connection channel; or, scan and analyze two-dimensional code information displayed by the payment wallet to acquire the payment wallet information.

[0110] In some embodiments of the present disclosure, the payment wallet information includes a response instruction, and the request collection module 330 is configured to: before sending the collection request, determine that the payment wallet meets the payment requirements according to the response instruction of the payment wallet.

[0111] In some embodiments of the present disclosure, the collection result is generated by the background system according to the following steps:

[0112] The background system determines the state, balance, free amount, and payment quota of the payment wallet according to the collection amount, and determines that the two-dimensional code information meets the payment conditions, then performs digital currency deduction processing on the payment wallet according to the collection amount, performs digital currency collection processing on the target wallet, and generates a collection result indicating that the collection is successful;

[0113] The background system generates a payment result indicating payment failure in response to a result of the judgment that the payment wallet does not have the online password verification capability, and the state, the balance, the password-free amount, the payment limit, or the two-dimensional code information of the payment wallet does not satisfy the payment condition according to the payment amount.

[0114] In some embodiments of the present disclosure, the payment result is further generated by the background system according to the following steps:

[0115] The background system returns a response requiring password verification to the payment wallet in response to a result of the judgment that the payment wallet has the online password verification capability, and the state, the balance, the payment limit, and the two-dimensional code information of the payment wallet satisfy the payment condition, and the payment amount is greater than the password-free amount of the payment wallet, so that the payment wallet sends the payment password to the background system after obtaining the payment password input by the payment user, the background system verifies the payment password and succeeds, and performs the digital currency deduction processing on the payment wallet according to the payment amount, performs the digital currency payment processing on the target wallet, and generates a payment result indicating that the payment is successful;

[0116] The background system generates a payment result indicating payment failure in response to a result of the judgment that the payment wallet does not have the online password verification capability, and the state, the balance, the password-free amount, the payment limit, or the two-dimensional code information of the payment wallet does not satisfy the payment condition according to the payment amount.

[0117] In some embodiments of the present disclosure, the limit review application module 310 is configured to generate a transaction order in response to the payment operation of the user, and the device 300 further includes a refund request module 360 and a refund processing result receiving module 370, wherein,

[0118] The refund request module 360 is configured to send a refund request to the background system in response to the refund operation of the user in the transaction order, wherein the refund request includes a refund amount and a transaction order number;

[0119] The refund processing result receiving module 370 is configured to receive a refund processing result sent by the background system, wherein the refund processing result is generated by the background system after performing the refund processing according to the refund request.

[0120] In some embodiments of the present disclosure, the refund processing result is generated by the background system according to the following steps:

[0121] The background system obtains the payment wallet identifier according to the transaction order number;

[0122] The background system judges that the state of the payment wallet satisfies the refund condition, performs the digital currency refund processing on the payment wallet associated with the payment wallet identifier according to the refund amount, performs the digital currency deduction processing on the target wallet, and generates a refund processing result indicating that the refund is successful;

[0123] The background system determines that the state of the payment wallet does not satisfy the refund condition, and generates a refund processing result indicating a refund failure.

[0124] The device features of the embodiments of the present disclosure can refer to the method, steps, and other features of the embodiments of the present disclosure, and the system embodiments can combine the features of the method embodiments to obtain new embodiments, and vice versa, which will not be described here again.

[0125] FIG. 11 shows an exemplary system architecture 1100 to which the digital currency collection method or the digital currency collection implementation device of the embodiments of the present disclosure can be applied.

[0126] As shown in FIG. 11, the system architecture 1100 can include terminal devices 1101, 1102, 1103, a network 1104, and a server 1105. The network 1104 is a medium for providing a communication link between the terminal devices 1101, 1102, 1103 and the server 1105. The network 1104 can include various connection types, such as wired, wireless communication links, or optical fiber cables, etc.

[0127] A user can use the terminal devices 1101, 1102, 1103 to interact with the server 1105 through the network 1104 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 1101, 1102, 1103, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0128] The terminal devices 1101, 1102, 1103 can be various electronic devices with display screens and supporting web browsing, including but not limited to smartphones, tablet computers, laptop computers, desktop computers, etc.

[0129] The server 1105 can be a server providing various services, such as a background management server supporting a shopping website browsed by a user using the terminal devices 1101, 1102, 1103 (only as an example). The background management server can analyze and process received product information query requests and other data, and feed back the processing results (such as target push information, product information--only as examples) to the terminal devices.

[0130] It should be noted that the digital currency collection method provided by the embodiments of the present disclosure is generally executed by the terminal devices 1101, 1102, 1103, and correspondingly, the digital currency collection implementation device is generally provided in the terminal devices 1101, 1102, 1103.

[0131] It should be understood that the number of terminal devices, networks and servers in FIG. 11 is merely illustrative. Depending on the implementation needs, there can be any number of terminal devices, networks and servers.

[0132] Reference is made below to FIG. 12, which shows a structural diagram of a computer system 1200 suitable for use in implementing a terminal device or a server of embodiments of the present disclosure. The method in embodiments of the present disclosure or the apparatus implementing the method can be implemented on the computer system 1200. The terminal device or the server shown in FIG. 11 is merely an example and should not bring any limitation to the functions and use range of embodiments of the present disclosure.

[0133] As shown in FIG. 12, the computer system 1200 includes a central processing unit (CPU) 1201, which can perform various appropriate actions and processes according to programs stored in a read-only memory (ROM) 1202 or programs loaded from a storage section 1208 into a random access memory (RAM) 1203. In the RAM 1203, various programs and data required for the operation of the system 1200 are also stored. The CPU 1201, the ROM 1202 and the RAM 1203 are connected to each other through a bus 1204. An input / output (I / O) interface 1205 is also connected to the bus 1204.

[0134] The following components are connected to the I / O interface 1205: an input section 1206 including a keyboard, a mouse, etc.; an output section 1207 including a display such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1208 including a hard disk, etc.; and a communication section 1209 including a network interface card such as a LAN card, a modem, etc. The communication section 1209 performs communication processing via a network such as the Internet. A drive 1210 is also connected to the I / O interface 1205 as necessary. A removable media 1211 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 1210 as necessary, so that a computer program read therefrom is installed into the storage section 1208 as necessary.

[0135] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program according to embodiments provided by the present disclosure. For example, embodiments provided by the present disclosure include a computer program product comprising a computer program carried on a computer readable medium, the computer program containing program code for executing the method shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network by the communication section 1209 and / or installed from the removable media 1211. When the computer program is executed by the central processing unit (CPU) 1201, the above-described functions defined in the system of the present disclosure are executed.

[0136] It should be noted that the computer-readable medium shown in the disclosure can be a computer-readable signal medium or a computer-readable storage medium or any combination thereof. The computer-readable storage medium may, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or apparatus, or any combination thereof. More specific examples of the computer-readable storage medium can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In the disclosure, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or apparatus. In the disclosure, the computer-readable signal medium can include a data signal carried in a baseband or as a part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to an electromagnetic signal, an optical signal, or any suitable combination thereof. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, which can send, propagate or transmit a program for use by or in conjunction with an instruction execution system, device or apparatus. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination thereof.

[0137] The flowcharts and block diagrams in the drawings illustrate the possible implementation architectures, functions and operations of the systems, methods and computer program products according to various embodiments of the disclosure. In this regard, each block in the flowcharts or block diagrams can represent a module, a program segment, or a part of code containing one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in different order than that shown in the drawings. For example, two blocks that are shown in succession can actually be executed substantially in parallel, and they can also be executed in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams or flowcharts, and the combination of blocks in the block diagrams or flowcharts, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0138] The units or modules described in the embodiments of the present disclosure can be implemented in the form of software or in the form of hardware. The described units or modules can also be arranged in a processor, for example, a processor can be described as including a sending unit (or "module"), an obtaining unit, a determining unit, and a first processing unit. In some cases, the names of these units or modules do not constitute a limitation on the units or modules themselves, for example, the sending unit can also be described as "a unit that sends a picture acquisition request to a connected server".

[0139] As another aspect, the present disclosure also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist independently without being assembled into the device. The computer readable medium carries one or more programs, which, when executed by the device, cause the device to perform the above method.

[0140] The specific embodiments described above do not constitute a limitation on the protection scope of the present disclosure. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can be made depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principles of the present disclosure shall fall within the protection scope of the present disclosure. Industrial applicability:

[0141] The scheme provided by the embodiments of the present disclosure can be applied to the field of computer technology. In the embodiments of the present disclosure, in response to a user's collection operation, a target wallet identifier and a collection amount corresponding to the collection operation are sent to a background system; a quota review result sent by the background system is received, and it is confirmed that the quota review result indicates that the collection amount meets the requirement of the collection quota corresponding to the target wallet identifier, and payment wallet information is obtained, wherein the payment wallet information includes a payment wallet identifier; a collection request is sent to the background system, wherein the collection request includes the payment wallet identifier, the target wallet identifier, and the collection amount; and a collection result sent by the background system is received, wherein the collection result is generated by the background system after performing digital currency collection according to the collection request. The wallet application terminal responds to the user's collection operation. The method in the embodiment can provide a convenient digital currency collection method for a merchant user, and reduce the threshold for using digital currency to collect money for a merchant.

Claims

1. A digital currency receiving method applied to a wallet application terminal, the method comprising the following steps: sending a target wallet identifier and a receiving amount corresponding to a receiving operation of a user to a background system in response to the receiving operation of the user; receiving the quota review result sent by the background system, confirming that the quota review result indicates that the collection amount meets the requirement of the collection quota corresponding to the target wallet identifier, obtaining the payment wallet information, wherein, the payment wallet information comprises a payment wallet identifier; sending a receiving request to the background system, wherein the receiving request comprises the payment wallet identifier, the target wallet identifier and the receiving amount; receiving a receiving result sent by the background system, wherein the receiving result is generated by the background system after performing digital currency receiving according to the receiving request.

2. The method of claim 1, wherein, Before the response to the receiving operation of the user, the method further comprises: sending an identifier of the user to the background system in response to an operation of triggering a preset control on the wallet application terminal by the user; receiving a receiving ability confirmation result sent by the background system, verifying that the receiving ability confirmation result indicates that the user has receiving ability, and displaying a receiving operation entrance, wherein the receiving ability confirmation result is generated by the background system after confirmation through the identifier of the user.

3. The method of claim 1, wherein, The payment wallet information is obtained by: establishing a near field communication connection channel with the payment wallet, and obtaining the payment wallet information through the near field communication connection channel; or scanning and analyzing two-dimensional code information displayed by the payment wallet to obtain the payment wallet information.

4. The method of claim 3, wherein, The payment wallet information comprises a response instruction, and before the receiving request is sent, the method further comprises: determining that the payment wallet meets the payment requirement according to the response instruction.

5. The method of claim 3, wherein, The receiving result is generated by the background system according to the following steps: If the background system determines that the state, balance, password-free amount, payment limit of the payment wallet and / or the two-dimensional code information meet the payment condition according to the receiving amount, the background system performs digital currency deduction processing on the payment wallet, performs digital currency receiving processing on the target wallet, and generates a receiving result indicating that the receiving is successful. If the background system determines that the state, balance, password-free amount, payment limit or two-dimensional code information of the payment wallet do not meet the payment condition according to the receiving amount in response to the judgment result that the payment wallet does not have network password verification capability, the background system generates a receiving result indicating that the receiving fails.

6. The method of claim 5, wherein, The receiving result is also generated by the background system according to the following steps: If the background system determines that the state, balance, payment limit of the payment wallet and the two-dimensional code information meet the payment condition according to the receiving amount in response to the judgment result that the payment wallet has network password verification capability, and the receiving amount is greater than the password-free amount of the payment wallet, the background system returns a response requiring password verification to the payment wallet, so that the payment wallet sends the payment password to the background system after obtaining the payment password input by the payment user, the background system verifies the payment password and succeeds, performs digital currency deduction processing on the payment wallet according to the receiving amount, performs digital currency receiving processing on the target wallet, and generates a receiving result indicating that the receiving is successful. The background system determines the state, balance, payment limit of the payment wallet or whether the two-dimensional code information meets the payment condition according to the collection amount, and generates a collection failure indication collection result.

7. The method of any one of claims 1-6, wherein, The method further comprises: generating a transaction order in response to the collection operation of the user; sending a refund request to the background system in response to the refund operation of the user in the transaction order, wherein the refund request comprises a refund amount and a transaction order number; receiving a refund processing result sent by the background system, wherein the refund processing result is generated by the background system after processing the refund request.

8. The method of claim 7, wherein, The refund processing result is generated by the background system according to the following steps: The background system acquires a payment wallet identifier according to the transaction order number; The background system determines that the state of the payment wallet meets the refund condition, and performs digital currency refund processing on the payment wallet associated with the payment wallet identifier according to the refund amount, and performs digital currency deduction processing on the target wallet, and generates a refund success indication refund processing result; The background system determines that the state of the payment wallet does not meet the refund condition, and generates a refund failure indication refund processing result.

9. A digital currency collection device applied to a wallet application terminal, the device comprising a limit audit application module, a payment wallet information acquisition module, a request collection module and a receiving module, wherein The limit audit application module is configured to send a target wallet identifier and a collection amount corresponding to the collection operation of the user to the background system in response to the collection operation of the user; The payment wallet information acquisition module is configured to receive the limit audit result sent by the background system, confirm that the limit audit result indicates that the collection amount corresponding to the target wallet identifier meets the requirements of the collection limit corresponding to the target wallet identifier, and acquire payment wallet information, wherein the payment wallet information comprises a payment wallet identifier; The request collection module is configured to send a collection request to the background system, wherein the collection request comprises the payment wallet identifier, the target wallet identifier and the collection amount; The receiving module is configured to receive a collection result sent by the background system, wherein the collection result is generated by the background system after performing digital currency collection according to the collection request.

10. An electronic device comprising: one or more processors; a storage device for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the method of any one of claims 1-8.

11. A computer readable medium having stored thereon a computer program, the program being executed by a processor to implement the method of any one of claims 1-8.

Images