CN114529285B - Digital currency payment method, server, system and medium - Google Patents
Digital currency payment method, server, system and medium Download PDFInfo
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- CN114529285B CN114529285B CN202210111650.8A CN202210111650A CN114529285B CN 114529285 B CN114529285 B CN 114529285B CN 202210111650 A CN202210111650 A CN 202210111650A CN 114529285 B CN114529285 B CN 114529285B
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
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Abstract
本申请公开了一种数字货币支付方法、服务器、系统及介质，属于数据处理领域。该方法包括：接收支付受理终端发送的支付方的第一支付消息，第一支付消息包括运营机构标识和交易信息；根据第一支付消息，向运营机构标识指示的运营机构服务器发送第二支付消息，第二支付消息包括交易信息，第二支付消息用于指示运营机构服务器根据交易信息将支付方的数字货币转换为资金，将转换的资金转入中转卡账户，中转卡账户是为支付服务器配置的银行卡账户；向清算机构服务器发送转账请求消息，转账请求消息指示清算机构服务器将中转卡账户中与支付方的数字货币等量的资金转入收款方的银行卡账户。根据本申请实施例能够提高收款方的用户体验。
The present application discloses a digital currency payment method, server, system and medium, belonging to the field of data processing. The method comprises: receiving a first payment message of a payee sent by a payment acceptance terminal, the first payment message comprising an operating institution identification and transaction information; according to the first payment message, sending a second payment message to an operating institution server indicated by the operating institution identification, the second payment message comprising transaction information, the second payment message being used to instruct the operating institution server to convert the payee's digital currency into funds according to the transaction information, and transferring the converted funds into a transit card account, the transit card account being a bank card account configured for the payment server; sending a transfer request message to a clearing institution server, the transfer request message instructing the clearing institution server to transfer funds in the transit card account equal to the payee's digital currency into the payee's bank card account. According to the embodiment of the present application, the user experience of the payee can be improved.
Description
Technical Field
The application belongs to the field of data processing, and particularly relates to a digital currency payment method, a server, a system and a medium.
Background
Digital currency is a virtual currency based on a network of nodes and a digital encryption algorithm that can be transferred, stored and transacted in electronic form. In order to effect payment of digital currency, a digital currency electronic wallet is configured for the user, the digital currency of the user may be stored in the digital currency electronic wallet of the user, and during the payment, the payment may be completed by initiating a wallet withhold request to the operator system.
However, in the payment process, the payee only uses the digital money of the payee to collect money, and the digital money is received, and the common money cannot be received by directly using the bank card account, so that inconvenience is brought to the payee user.
Disclosure of Invention
The embodiment of the application provides a digital currency payment method, a server, a system and a medium, which can simplify the process of receiving funds by a payee in the digital currency payment process and improve the user experience of the payee.
In a first aspect, an embodiment of the present application provides a digital currency payment method, applied to a payment server, where the method includes receiving a first payment message of a payer sent by a payment acceptance terminal, where the first payment message includes an operation mechanism identifier and transaction information, sending, according to the first payment message, a second payment message to an operation mechanism server indicated by the operation mechanism identifier, where the second payment message includes transaction information, where the second payment message is used to instruct the operation mechanism server to convert digital currency of the payer into funds according to the transaction information, and transfer the converted funds to a transfer card account, where the transfer card account is a bank card account configured for the payment server, and sending, to a clearing mechanism server, a transfer request message, where the transfer request message instructs the clearing mechanism server to transfer funds equal to digital currency of the payer in the transfer card account to the bank card account of the payee.
In a second aspect, an embodiment of the present application provides a digital currency payment method applied to an operation mechanism server, where the method includes receiving a second payment message sent by the payment server, where the second payment message is generated according to a first payment message of a payer sent by a payment acceptance terminal, where the second payment message includes transaction information, where the first payment message includes an operation mechanism identifier and transaction information, where the operation mechanism identifier corresponds to the operation mechanism server, converting digital currency of the payer into funds according to the transaction information, and transferring the converted funds to a transfer card account, so that the payment server can send a transfer request message to the clearing mechanism server, where the transfer request message instructs the clearing mechanism server to transfer funds equal to digital currency of the payer in the transfer card account to a bank card account of a payee, where the transfer card account is a bank card account configured for the payment server.
In a third aspect, an embodiment of the present application provides a payment server, including a receiving module configured to receive a first payment message of a payer sent by a payment acceptance terminal, where the first payment message includes an operation mechanism identifier and transaction information, a sending module configured to send, according to the first payment message, a second payment message to an operation mechanism server indicated by the operation mechanism identifier, where the second payment message includes transaction information, where the second payment message is configured to instruct the operation mechanism server to convert digital currency of the payer into funds according to the transaction information, transfer the converted funds to a transfer card account, where the transfer card account is a bank card account configured for the payment server, and further configured to send, to a clearing mechanism server, a transfer request message, where the transfer request message instructs the clearing mechanism server to transfer funds equal to digital currency of the payer in the transfer card account to the bank card account of a payee.
In a fourth aspect, an embodiment of the present application provides an operation mechanism server, which is characterized by comprising a receiving module, a processing module, and a transfer card account processing module, wherein the receiving module is configured to receive a second payment message sent by a payment server, the second payment message is generated according to a first payment message of a payer sent by a payment acceptance terminal, the second payment message includes transaction information, the first payment message includes an operation mechanism identifier and transaction information, the operation mechanism identifier corresponds to the operation mechanism server, and the processing module is configured to convert digital currency of the payer into funds according to the transaction information, and transfer the converted funds into the transfer card account, so that the payment server can send a transfer request message to a clearing mechanism server, and the transfer request message instructs the clearing mechanism server to transfer the funds equal to the digital currency of the payer in the transfer card account into a bank card account of a payee, and the transfer card account is a bank card account configured for the payment server.
In a fifth aspect, an embodiment of the application provides a payment server comprising a processor and a memory storing computer program instructions which, when executed by the processor, implement a digital currency payment method as in the first aspect.
In a sixth aspect, an embodiment of the application provides an operator server comprising a processor and a memory storing computer program instructions that when executed by the processor implement a digital currency payment method as in the second aspect.
In a seventh aspect, an embodiment of the present application provides a digital money payment system comprising a payment server as in the fifth aspect and an operator server as in the sixth aspect.
In an eighth aspect, embodiments of the present application provide a computer readable storage medium having stored thereon computer program instructions which, when executed by a processor, implement a digital currency payment method as in the first aspect or a digital currency payment method as in the second aspect.
The embodiment of the application provides a digital currency payment method, a server, a system and a medium, wherein the payment server can receive first payment information comprising operation mechanism identification and transaction information, generate second payment information comprising the transaction information according to the first payment information, send the second payment information to the operation mechanism server indicated by the operation mechanism identification, so that the operation mechanism server obtains the transaction information, converts digital currency of a payer into funds according to the transaction information, and transfers the converted funds into a bank card account configured for the payment server. The payment server interacts with the clearing house server through the transfer request message, causing the clearing house server to transfer funds in the bank card account configured for the payment server in an amount equal to the digital currency of the payee to the bank card account of the payee. The payee can directly collect the funds paid by the digital currency by using the bank card account, the payee is not required to exchange the digital currency, the step of digital currency exchange of the payee is omitted, the process of collecting the funds by the payee in the digital currency payment process is simplified, convenience is provided for the payee, and the user experience of the payee is improved.
Drawings
In order to more clearly illustrate the technical solution of the embodiments of the present application, the drawings that are needed to be used in the embodiments of the present application will be briefly described, and it is possible for a person skilled in the art to obtain other drawings according to these drawings without inventive effort.
FIG. 1 is a schematic diagram of a digital currency payment system according to the related art;
FIG. 2 is a schematic diagram of an example of an application scenario of a digital currency payment method according to an embodiment of the present application;
FIG. 3 is a flow chart of an embodiment of a digital money payment method according to the first aspect of the present application;
FIG. 4 is a flow chart of another embodiment of a digital money payment method provided in the first aspect of the present application;
FIG. 5 is a flow chart of yet another embodiment of a digital money payment method provided in the first aspect of the present application;
FIG. 6 is a flow chart of a further embodiment of a digital money payment method according to the first aspect of the present application;
FIG. 7 is a flow chart of an embodiment of a digital money payment method according to the second aspect of the present application;
FIG. 8 is a flow chart of another embodiment of a digital money payment method provided by the second aspect of the present application;
FIG. 9 is a flow chart of yet another embodiment of a digital money payment method provided by the second aspect of the present application;
FIG. 10 is a flow chart of yet another embodiment of a digital money payment method provided by the second aspect of the present application;
FIG. 11 is a flow chart of an example of a digital money payment flow provided by an embodiment of the present application;
FIG. 12 is a schematic diagram illustrating the structure of an embodiment of a payment server according to a third aspect of the present application;
FIG. 13 is a schematic diagram of another embodiment of a payment server according to a third aspect of the present application;
Fig. 14 is a schematic structural diagram of an embodiment of an operator server according to a fourth aspect of the present application;
Fig. 15 is a schematic structural diagram of another embodiment of an operator server according to the fourth aspect of the present application;
FIG. 16 is a schematic diagram illustrating the structure of an embodiment of a payment server according to a fifth aspect of the present application;
fig. 17 is a schematic structural diagram of an embodiment of an operator server according to the sixth aspect of the present application.
Detailed Description
Features and exemplary embodiments of various aspects of the present application will be described in detail below, and in order to make the objects, technical solutions and advantages of the present application more apparent, the present application will be described in further detail below with reference to the accompanying drawings and the detailed embodiments. It should be understood that the particular embodiments described herein are meant to be illustrative of the application only and not limiting. It will be apparent to one skilled in the art that the present application may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the application by showing examples of the application.
Digital currency is a virtual currency based on a network of nodes and a digital encryption algorithm that can be transferred, stored and transacted in electronic form. In order to effect payment of digital currency, a digital currency electronic wallet is configured for the user, the digital currency of the user may be stored in the digital currency electronic wallet of the user, and during the payment, the payment may be completed by initiating a wallet withhold request to the operator system. FIG. 1 is a schematic diagram of a digital currency payment system according to the related art. As shown in fig. 1, the digital payment system includes a plurality of operator systems 11, and each operator system 11 may correspond to one operator. The payment party 12 may initiate an e-wallet withhold request to the plurality of operator systems 11. The payment participants may include, but are not limited to, individual users, merchants, payment scenario providers, and the like. The operation mechanism systems 11 need to complete the transfer of digital currency through the interconnection system 13, namely complete the processes of 'coin melting' and 'coin casting' of the digital currency, so as to realize interconnection and intercommunication among operation mechanisms in the payment process and ensure the stable circulation of the digital currency. The pressure of the interconnection system 13 to handle digital money transfers during payment is very high.
However, in the above payment process, only digital money is exchanged between the payer and the payee, that is, the payer pays digital money, the payee pays money by using his digital money electronic wallet, and the payee receives digital money, and the payee cannot directly receive common money by using the bank card account. If the payee needs the common currency, the payee needs to initiate a conversion request to the operation mechanism system, the operation mechanism system converts the digital currency of the payee into the common currency, and the common currency is transferred into the bank card of the payee, so that the whole process is complicated, and inconvenience is brought to the user of the payee.
The embodiment of the application provides a digital currency payment method, a server, a system and a medium, wherein the digital currency of a paying party is converted into funds, namely ordinary currency by the interaction of the server providing payment service and the server of an operation mechanism, and the funds are transferred into a bank card account for transfer, which is configured for the server providing payment service in the operation mechanism. And then through the interaction between the server providing the payment service and the server of the clearing mechanism, the server of the clearing mechanism transfers funds from the bank card account for transfer to the bank card account of the payee, so that the payee can receive the funds paid at this time through the bank card account without conversion operation.
The digital currency payment method provided in the embodiment of the application can relate to a payment acceptance terminal, a payment server, an operation mechanism server and a clearing mechanism server. Fig. 2 is a schematic diagram of an example of an application scenario of a digital currency payment method according to an embodiment of the present application. As shown in fig. 2, the digital money payment system includes a payment server 21 and an operation agency server 22. The payment server 21 and the operator server 22 are in communication interaction. In some examples, the digital currency payment system may further include a payment acceptance terminal 23 and a clearing house server 24, the acceptance terminal 23 may be communicatively interacted with the payment server 21, and the clearing house server 24 may be interacted with the operator server 22.
The payment acceptance terminal 23 is a terminal device for accepting payment. The payment receiving terminal 23 may receive payment by scanning a two-dimensional code, near Field Communication (NFC), or the like. For example, the payment acceptance terminal 23 may be a Point of sale (POS) device. The payment acceptance terminal 23 may transmit information related to payment acquired by accepting payment to the payment server through a payment message.
The payment server 21 is a server of a payment service party, and is operable to provide a payment service. The payment service may include, but is not limited to, an acquirer, a turn settlement facility, a card organization, and the like. The payment service may include one or more payment servers 21, and the number and type of payment servers 21 are not limited herein.
The operator server 22 is a server of an operator that can transfer digital money and exchange digital money for funds, i.e., plain currency. Each operator may include one or more operator servers 22, and the number and type of operator servers 22 is not limited herein. In embodiments of the present application, the payment service may open a digital currency account for transit and a bank card account for transit at each of the operations institutions to facilitate having the operations institution server 22 make transfers of digital currency, exchanges of digital currency with funds, and the like, related to the payment services provided by the payment server. The same payment service side opens different digital currency accounts for transfer at different operation institutions, and the same payment service side opens different bank card accounts for transfer at different operation institutions. Different payment service parties open different digital currency accounts for transfer at the same operating institution, and different payment service parties open different bank card accounts for transfer at the same operating institution.
The clearing house server 24 is a server of the clearing house that can transfer funds between bank card accounts and clear. The clearinghouse may include one or more clearinghouse servers 24, and the number and type of clearinghouse servers 24 is not limited herein. If the payment service side is a clearing house, the payment server 21 and the clearing house server 24 may be integrated into the same server or may be separated into two independent servers, which is not limited herein.
The digital currency payment method, the server, the system and the medium in the embodiment of the application are described below.
The first aspect of the present application provides a digital money payment method applicable to a payment server, i.e., the digital money payment method is executable by the payment server. Fig. 3 is a flowchart of an embodiment of a digital money payment method according to the first aspect of the present application. As shown in fig. 3, the digital money payment method may include steps S301 to S303.
In step S301, a first payment message of a payer transmitted from a payment acceptance terminal is received.
And after accepting the payment, the payment acceptance terminal sends a first payment message to the payment server. The first payment message includes an operator identification and transaction information. The operator identification may be used to identify an operator or an operator server. The transaction information includes content information related to the present payment, for example, the transaction information may include information of a payer, information of a payee, information of a digital currency amount required for payment, information of a payment detail, and the like, which is not limited herein. For example, the transaction information may include one or more of payer digital currency account identification, digital currency payment amount, payee identification, and the like, without limitation. The payer digital currency account identifies a digital currency account for identifying the payer. The digital currency account is an account for storing digital currency, for example, the digital currency account may specifically be a digital currency wallet, and correspondingly, the payer digital currency account identification may be the payer digital currency coin Bao Bianhao. The digital currency payment amount is used to characterize the amount of digital currency that the payment corresponds to that which needs to be paid. The payee identification may be used to identify the payee, and may include, but is not limited to, a user identification of the payee, a bank card account identification of the payee, and the like. In some examples, the payee may be a merchant or an individual, and the payee identification may be a merchant number if the payee is a merchant, and a person number if the payee is an individual.
In step S302, a second payment message is sent to the operator server indicated by the operator identity according to the first payment message.
The payment server may generate a second payment message from the first payment message. The second payment message includes at least a portion of the information in the first payment message, and is not limited herein. The second payment message may include the transaction information in the above embodiment, and the specific content of the transaction information may be referred to the related description in the above embodiment, which is not described herein.
In the case where the operator identity may identify an operator, the operator server indicated by the operator identity may be determined by an internal policy of the operator, and is not limited herein. The second payment message can be sent to a server cluster of the operation mechanism, the second payment message is transmitted to a specific operation mechanism server by the inside of the server cluster according to the internal strategy, and the operation mechanism server receiving the second payment message is the operation mechanism server indicated by the operation mechanism identification.
In the case that the operation organization identifier can identify the operation organization server, the operation organization server identified by the operation organization identifier is the operation organization server indicated by the operation organization identifier.
The second payment information is used for indicating the operation mechanism server to convert the digital currency of the paying party into funds according to the transaction information, and the converted funds are transferred into the transfer card account, namely, the transfer of funds corresponding to the paid digital currency into the transfer card account of the payment server is realized through the transfer of the digital currency and the conversion of the digital currency and the funds. The transit card account is a bank card account configured for the payment server. Stored in the bank card account is funds, i.e., plain currency.
The operations agency server receives the second payment message, converts digital currency of the payer into funds in response to the second payment message, and transfers the converted funds to the transit card account.
In some examples, the transaction information includes a payer digital currency account identification and a digital currency payment amount. The second payment message is used for instructing the operation institution server to transfer the target digital currency in the digital currency account of the payer into the transfer digital currency account, to transfer the target digital currency transferred into the transfer digital currency account into funds, and to transfer the funds transferred from the target digital currency into the transfer card account. Funds may be transferred into the transfer card account without altering the authority of the operations agency server to perform a conversion between digital currency and funds for the same user.
The digital currency account of the payer includes a digital currency account indicated by the payer digital currency account identification, i.e., the operating agency server may determine the digital currency account indicated by the payer digital currency account identification as the digital currency account of the payer. The target digital currency includes digital currency indicative of a digital currency payment amount. The transit digital money account is a digital money account configured for the payment server. The same payment service side configures different transit digital currency accounts at different operation institutions, and the same payment service side configures different transit card accounts at different operation institutions. Different payment service parties configure different transit digital currency accounts at the same operating mechanism, and different payment service parties configure different transit card accounts at the same operating mechanism.
In some examples, the transaction information may include a payee identifier in addition to the payer digital currency account identifier and the digital currency payment amount, and the details of the payee identifier may be referred to in the above embodiments and will not be described herein.
In step S303, a transfer request message is transmitted to the clearing house server.
The transfer request message instructs the clearinghouse server to transfer funds in the transfer card account equivalent to the digital currency of the payer to the bank card account of the payee. The clearing mechanism transfer server responds to the transfer request message and can transfer funds in the transfer card account, which are equal to the digital currency of the payer, into the bank card account of the payee, so that the payee can directly collect money by using the bank card account in the digital currency payment process. In some examples, the transfer request message may include a payee identification and a payment funds amount. The amount of funds paid out is the amount of funds equal to the digital currency of the payer. The clearinghouse server may determine a bank card account of the payee based on the payee identification, and transfer funds of the amount of the paid funds from the transfer card account to the bank card account of the payee determined based on the payee identification. In other examples, the transfer request message may include a payee's bank card account identification and a payment amount, the payee's bank card account identification may be derived from the payee's identification, and the payee's bank card account identification may identify the payee's bank card account.
In some examples, the digital currency may be converted to funds in real time, or the time efficiency requirements for the payee to collect the funds through the bank card account may be low, the payment server may send a transfer request message to the clearinghouse server after the operator server converts the payee's digital currency to funds and transfers the converted funds to the transfer card account,
In other examples, where there is a delay in the conversion of digital currency to funds, and where there is a high time-consuming demand on the payee to collect funds through the bank card account, the payment server may send a transfer request message to the clearinghouse server before the operator server converts the payee's digital currency to funds and transfers the converted funds to the transfer card account, but in this example, there is a need for funds pre-stored in the transfer card account for payment.
In the embodiment of the application, the payment server can receive the first payment information comprising the operation mechanism identification and the transaction information, generate the second payment message comprising the transaction information according to the first payment information, send the second payment message to the operation mechanism server indicated by the operation mechanism identification, so that the operation mechanism server obtains the transaction information, converts the digital currency of the payer into funds according to the transaction information, and transfers the converted funds into a bank card account configured for the payment server. The payment server interacts with the clearing house server through the transfer request message, causing the clearing house server to transfer funds in the bank card account configured for the payment server in an amount equal to the digital currency of the payee to the bank card account of the payee. The payee can directly collect the funds paid by the digital currency by using the bank card account, the payee is not required to exchange the digital currency, the step of digital currency exchange of the payee is omitted, the process of collecting the funds by the payee in the digital currency payment process is simplified, convenience is provided for the payee, and the user experience of the payee is improved.
Further, in the embodiment of the present application, the operations of transferring digital money from the digital money account of the payer to the transit digital money account, converting digital money in the transit digital money account into funds, and transferring to the transit card account are performed by the operation agency server. Compared with the technical scheme that the transfer of the digital currency is required to be completed through the interconnection and interworking system, the operation mechanism server in the embodiment of the application is only responsible for the related operation of the transit digital currency account and the transit card account of the operation mechanism to which the operation mechanism server belongs, so that the processing pressure of the digital currency payment is dispersed, and under the condition of consistent equipment performance, the embodiment of the application can process more digital currency payments.
In some embodiments, the transfer request message may be sent to the clearinghouse server after the operator transfers the converted funds to the transfer card account. Fig. 4 is a flowchart of another embodiment of the digital money payment method according to the first aspect of the present application. Fig. 4 is different from fig. 3 in that the digital money payment method shown in fig. 4 may further include step S304, and step S303 in fig. 3 may be specifically thinned to step S3031 in fig. 4.
In step S304, a payment processing response message sent by the operator server is received.
The payment processing reply message characterizes that the operations agency server has transferred the converted funds to the transit card account. The payment server receives the payment processing response message, and can determine that the operation mechanism server has transferred the converted funds into the transfer card account, and funds exist in the transfer card account, and can continue the digital currency payment flow.
In step S3031, a transfer request message is transmitted to the clearing house server in response to the payment processing answer message.
The payment server determines that the operator server has transferred the converted funds to the transfer card account and then sends a transfer request message to the clearinghouse server. The clearinghouse server transfers funds converted from digital money of the payer in the transit card account to the bank card account of the payee in response to the transfer request message.
In some embodiments, the transaction information includes payee identification, and details may be found in the description of the embodiments above. The bank card account identification of the payee may be determined according to the payee identification to generate the transfer request message. Fig. 5 is a flowchart of still another embodiment of the digital money payment method according to the first aspect of the present application. Fig. 5 is different from fig. 3 in that the digital money payment method shown in fig. 5 may further include step S305 and step S306.
In step S305, according to the payee identifier in the transaction information, a bank card account identifier corresponding to the payee identifier is determined from the pre-stored correspondence between the user identifier and the bank card account identifier.
The payment server may store in advance a correspondence between the user identification and the bank card account identification. The user identification is used to identify the user. Specifically, the user identification which is the same as the payee identification is searched in the user identifications in the corresponding relation, and if the user identification which is the same as the payee identification can be searched, the bank card account identification corresponding to the user identification in the corresponding relation is the bank card account identification corresponding to the payee identification.
In step S306, a transfer request message is generated according to the bank card account identifier corresponding to the payee identifier.
The transfer request message includes a bank card account identification corresponding to the payee identification. The clearing house server receives the transfer request message and can determine the bank card account of the payee according to the bank card account identification in the transfer request message, so that funds with the same amount of digital currency of the payer in the transfer card account are transferred to the bank card account of the payee.
In some embodiments, the payment server may interact with the operator servers of the operators to foresee the establishment of a digital currency transfer account and a card transfer account for the payment service corresponding to the payment server at each operator, facilitating use in the digital currency payment process. Fig. 6 is a flowchart of still another embodiment of the digital money payment method according to the first aspect of the present application. Fig. 6 is different from fig. 3 in that the money payment method shown in fig. 6 may further include step S307.
In step S307, an account setup request message is sent to an operator server of at least one operator.
If N operation institutions exist, N is a positive integer, the payment server may send an account setup request message to the servers of the N operation institutions, i.e. the server of each operation institution may receive the account setup request message. The account setup request message instructs at least one of the operating authorities to each establish a transit digital currency account and a transit card account for the payment server using the operating authority server.
For example, there are five operators, respectively operator A1, operator A2, operator A3, and operator A4. The payment server may send an account setup request message to each of the operator server of operator A1, the operator server of operator A2, the operator server of operator A3, and the operator server of operator A4. The operation mechanism server of the operation mechanism A1 responds to the account establishment request message to establish the transit digital currency account B1 and the transit card account C1 for the payment server, the operation mechanism server of the operation mechanism A2 responds to the account establishment request message to establish the transit digital currency account B2 and the transit card account C2 for the payment server, the operation mechanism server of the operation mechanism A3 responds to the account establishment request message to establish the transit digital currency account B3 and the transit card account C3 for the payment server, and the operation mechanism server of the operation mechanism A4 responds to the account establishment request message to establish the transit digital currency account B4 and the transit card account C4 for the payment server.
A second aspect of the present application provides a digital money payment method applicable to an operator server, i.e., the digital money payment method is executable by the operator server. FIG. 7 is a flow chart of an embodiment of a digital money payment method according to the second aspect of the present application. As shown in fig. 7, the digital money payment method may include step S401 and step S402.
In step S401, a second payment message sent by the payment server is received.
The second payment message is generated according to the first payment message of the payer sent by the payment acceptance terminal. The second payment message includes transaction information, the first payment message includes an operator identity and transaction information, and the operator identity corresponds to the operator server.
In some examples, the transaction information may include a payer digital currency account identifier and a digital currency payment amount, and details may be found in the above embodiments, which are not described herein.
In some examples, the transaction information may include payee identification, and specific details may be found in the above embodiments, which are not described herein.
In step S402, the digital money of the payer is converted into funds according to the transaction information, and the converted funds are transferred into the transit card account so that the payment server can transmit the transfer request message to the clearing house server.
The transit card account is a bank card account configured for the payment server. The transfer request message instructs the clearinghouse server to transfer funds in the transfer card account equivalent to the digital currency of the payer to the bank card account of the payee.
The details of step S401 and step S402 may be referred to the description of the above embodiments, and are not repeated here.
In the embodiment of the application, the payment server can receive the first payment information comprising the operation mechanism identification and the transaction information, generate the second payment message comprising the transaction information according to the first payment information, and send the second payment message to the operation mechanism server. The operation server obtains transaction information from the second payment message, converts the digital currency of the payer into funds according to the transaction information, and transfers the converted funds to a bank card account configured for the payment server, so that the payment server interacts with the clearing institution server through the transfer request message, and instructs the clearing institution server to transfer funds equal to the digital currency of the payer in the bank card account configured for the payment server to the bank card account of the payee. The payee can directly collect the funds paid by the digital currency by using the bank card account, the payee is not required to exchange the digital currency, the step of digital currency exchange of the payee is omitted, the process of collecting the funds by the payee in the digital currency payment process is simplified, convenience is provided for the payee, and the user experience of the payee is improved.
In some embodiments, the transaction information includes a payer digital currency account identification and a digital currency payment amount. The operation mechanism server converts the digital currency of the present payment into the funds which can be transferred into the bank card account of the payee, namely the common currency, through the digital currency account for transfer configured for the payment server and the bank card account for transfer configured for the payment server. Fig. 8 is a flowchart of another embodiment of a digital money payment method according to the second aspect of the present application. Fig. 8 is different from fig. 7 in that step S402 in fig. 7 may be specifically thinned into steps S4021 to S4023 in fig. 8.
In step S4021, the digital money account indicated by the payer digital money account identification is determined as the digital money account of the payer, based on the payer digital money account identification.
In step S4022, the target digital money in the digital money account of the payer is transferred to the transit digital money account.
The target digital currency includes digital currency indicative of a digital currency payment amount. The transit digital money account is a digital money account configured for the payment server.
In step S4023, the target digital money in the transfer digital money account is converted into funds, and the funds converted into the target digital money are transferred into the transfer card account.
The specific content of the step S4021 to the step S4023 may be referred to the related description in the above embodiment, and will not be described herein.
In some embodiments, after transferring the converted funds to the transfer card account, the payment server may be notified to facilitate the payment server requesting transfer of funds from the transfer card account to the payee's account from the clearinghouse server. Fig. 9 is a flowchart of still another embodiment of the digital money payment method according to the second aspect of the present application. Fig. 9 is different from fig. 7 in that the digital money payment method shown in fig. 9 may further include step S403.
In step S403, in the case where the converted funds have been transferred to the transit card account, a payment processing response message is transmitted to the payment server, so that the payment server transmits a transfer request message to the clearing house server in response to the payment processing response message.
The details of step S403 may be referred to the related descriptions in the above embodiments, and will not be repeated here.
In some embodiments, the operator server may pre-establish a digital currency account and a card account for the payment server to transfer in the operator, for direct use in subsequent processes. Fig. 10 is a flowchart of still another embodiment of the digital money payment method according to the second aspect of the present application. Fig. 10 is different from fig. 8 in that the digital money payment method shown in fig. 10 may further include step S404 and step S405.
In step S404, an account setup request message sent by the payment server is received.
In step S405, in response to the account establishment request message, a transit digital money account and a transit card account of the payment server in the operation structure to which the operation institution server belongs are established.
The details of step S404 and step S405 may be referred to the description of the above embodiments, and will not be repeated here.
For ease of understanding, the digital money payment flow in the above embodiment is described below with an example. FIG. 11 is a flow chart of an example of a digital money payment flow provided by an embodiment of the present application. As shown in fig. 11, the digital money payment process may include steps S501 to S512.
In step S501, the payment receiving terminal receives a user' S digital money payment amount setting, scans a digital money wallet two-dimensional code of a payer, and generates a first payment message. The first payment message includes an operator number, a digital currency wallet number of the payer, a digital currency payment amount, and a merchant number.
In step S502, the payment acceptance terminal transmits a first payment message to the payment server.
In step S503, the payment server parses the first payment message to obtain an operator number, a digital currency wallet number of the payer, a digital currency payment amount, and a merchant number, and generates a second payment message according to the digital currency wallet number of the payer and the digital currency payment amount.
In step S504, the payment server sends a second payment message to the operator server indicated by the operator number.
In step S505, the operation authority server transfers the digital money indicated by the digital money payment amount from the digital money wallet of the payer indicated by the digital money Bao Bianhao of the payer to the transfer digital money wallet of the payment service side in the operation authority server according to the digital money wallet number of the payer and the digital money payment amount in the second payment message.
In step S506, the operation institution server converts the digital money transferred in the digital money wallet into funds according to the digital money payment amount, and transfers the converted funds into the transfer card account of the payment service side in the operation institution server.
In step S507, the operator server transmits a payment processing response message to the payment server.
In step S508, the payment server determines the bank card account identifier of the payee registered in the payment server and corresponding to the merchant number according to the merchant number, and generates a transfer request message according to the bank card account identifier of the payee and the amount of funds corresponding to the digital money payment amount.
In step S509, the payment server transmits a transfer request message to the clearing house server.
In step S510, the clearing house server transfers funds of an amount of funds corresponding to the amount of digital money payment from the transit card account to the payee 'S bank card account indicated by the payee' S bank card account identification in response to the transfer request message.
In step S511, the clearing house server transmits a payment result message to the payment server to notify the payment server of the payment result. The payment result includes a payment success or a payment failure.
In step S512, the payment server transmits a payment result message to the payment acceptance terminal.
The specific content of the above steps S501 to S512 may be referred to the related description in the above embodiments, and will not be repeated here.
A third aspect of the application provides a payment server. Fig. 12 is a schematic structural diagram of an embodiment of a payment server according to a third aspect of the present application. As shown in fig. 12, the payment server 600 may include a receiving module 601 and a transmitting module 602.
The receiving module 601 may be configured to receive a first payment message of a payer sent by a payment acceptance terminal.
The first payment message includes an operator identification and transaction information.
In some examples, the transaction information includes a payer digital currency account identification and a digital currency payment amount.
In some examples, the transaction information includes a payee identification.
The sending module 602 may be configured to send a second payment message to an operator server indicated by the operator identity based on the first payment message, and may be further configured to send a transfer request message to a clearinghouse server.
The second payment message includes transaction information. The second payment message is used for indicating the operation mechanism server to convert digital currency of the paying party into funds according to the transaction information, and the converted funds are transferred into the transit card account. The transit card account is a bank card account configured for the payment server. The transfer request message instructs the clearinghouse server to transfer funds in the transfer card account equivalent to the digital currency of the payer to the bank card account of the payee.
In the embodiment of the application, the payment server can receive the first payment information comprising the operation mechanism identification and the transaction information, generate the second payment message comprising the transaction information according to the first payment information, send the second payment message to the operation mechanism server indicated by the operation mechanism identification, so that the operation mechanism server obtains the transaction information, converts the digital currency of the payer into funds according to the transaction information, and transfers the converted funds into a bank card account configured for the payment server. The payment server interacts with the clearing house server through the transfer request message, causing the clearing house server to transfer funds in the bank card account configured for the payment server in an amount equal to the digital currency of the payee to the bank card account of the payee. The payee can directly collect the funds paid by the digital currency by using the bank card account, the payee is not required to exchange the digital currency, the step of digital currency exchange of the payee is omitted, the process of collecting the funds by the payee in the digital currency payment process is simplified, convenience is provided for the payee, and the user experience of the payee is improved.
Further, in the embodiment of the present application, the operations of transferring digital money from the digital money account of the payer to the transit digital money account, converting digital money in the transit digital money account into funds, and transferring to the transit card account are performed by the operation agency server. Compared with the technical scheme that the transfer of the digital currency is required to be completed through the interconnection and interworking system, the operation mechanism server in the embodiment of the application is only responsible for the related operation of the transit digital currency account and the transit card account of the operation mechanism to which the operation mechanism server belongs, so that the processing pressure of the digital currency payment is dispersed, and under the condition of consistent equipment performance, the embodiment of the application can process more digital currency payments.
In some embodiments, the transaction information includes a payer digital currency account identification and a digital currency payment amount.
The second payment message is used for instructing the operation institution server to transfer the target digital currency in the digital currency account of the payer into the transfer digital currency account, to transfer the target digital currency transferred into the transfer digital currency account into funds, and to transfer the funds transferred from the target digital currency into the transfer card account.
The payer's digital currency account includes a digital currency account indicated by the payer digital currency account identification. The target digital currency includes digital currency indicative of a digital currency payment amount. The transit digital money account is a digital money account configured for the payment server.
In some embodiments, the receiving module 601 may be further configured to receive a payment processing reply message sent by the operator server.
The payment processing reply message characterizes that the operations agency server has transferred the converted funds to the transit card account.
The transmitting module may be configured to transmit the transfer request message to the clearing house server in response to the payment processing answer message.
In some embodiments, the transaction information includes a payee identification. Fig. 13 is a schematic structural diagram of another embodiment of a payment server according to the third aspect of the present application. Fig. 13 is different from fig. 12 in that the payment server shown in fig. 13 may further include an account determination module 603 and a message generation module 604.
The account determining module 603 may be configured to determine, according to the payee identifier in the transaction information, a bank card account identifier corresponding to the payee identifier in a pre-stored correspondence between user identifiers and bank card account identifiers.
The message generation module 604 may be configured to generate the transfer request message according to a bank card account identifier corresponding to the payee identifier.
The transfer request message includes a bank card account identification corresponding to the payee identification.
In some embodiments, the sending module 602 may be further configured to send an account setup request message to an operator server of at least one operator.
The account setup request message instructs at least one of the operating authorities to each establish a transit digital currency account and a transit card account for the payment server using the operating authority server.
A fourth aspect of the application provides an operator server. Fig. 14 is a schematic structural diagram of an embodiment of an operator server according to a fourth aspect of the present application. As shown in fig. 14, the operator server 700 may include a receiving module 701 and a processing module 702.
The receiving module 701 may be configured to receive a second payment message sent by the payment server.
The second payment message is generated according to the first payment message of the payer sent by the payment acceptance terminal. The second payment message includes transaction information. The first payment message includes an operator identification and transaction information. The operator identity corresponds to an operator server.
In some examples, the transaction information may include a payer digital currency account identification and a digital currency payment amount.
In some examples, the transaction information includes a payee identification.
The processing module 702 may be configured to convert digital currency of a payer into funds based on transaction information and transfer the converted funds to a transfer card account so that a payment server may send a transfer request message to a clearing house server.
The transfer request message instructs the clearinghouse server to transfer funds in the transfer card account equivalent to the digital currency of the payer to the bank card account of the payee. The transit card account is a bank card account configured for the payment server.
In the embodiment of the application, the payment server can receive the first payment information comprising the operation mechanism identification and the transaction information, generate the second payment message comprising the transaction information according to the first payment information, and send the second payment message to the operation mechanism server. The operation server obtains transaction information from the second payment message, converts the digital currency of the payer into funds according to the transaction information, and transfers the converted funds to a bank card account configured for the payment server, so that the payment server interacts with the clearing institution server through the transfer request message, and instructs the clearing institution server to transfer funds equal to the digital currency of the payer in the bank card account configured for the payment server to the bank card account of the payee. The payee can directly collect the funds paid by the digital currency by using the bank card account, the payee is not required to exchange the digital currency, the step of digital currency exchange of the payee is omitted, the process of collecting the funds by the payee in the digital currency payment process is simplified, convenience is provided for the payee, and the user experience of the payee is improved.
In some embodiments, the transaction information includes a payer digital currency account identification and a digital currency payment amount.
The processing module 702 may be configured to determine a digital currency account indicated by the payer digital currency account identifier as a digital currency account of the payer based on the payer digital currency account identifier, transfer a target digital currency in the digital currency account of the payer to a transfer digital currency account, the target digital currency including digital currency indicated by a digital currency payment amount, the transfer digital currency account being a digital currency account configured for the payment server, convert the target digital currency in the transfer digital currency account to funds, and transfer the funds converted by the target digital currency to a transfer card account.
Fig. 15 is a schematic structural diagram of another embodiment of an operator server according to the fourth aspect of the present application. Fig. 15 is different from fig. 14 in that the operator server 700 shown in fig. 15 may further include a transmission module 703.
The transmitting module 703 may be used to transmit a payment processing response message to the payment server in case the converted funds have been transferred to the transit card account, so that the payment server transmits a transfer request message to the clearing house server in response to the payment processing response message.
In some embodiments, the receiving module 701 may be further configured to receive an account setup request message sent by the payment server.
The processing module 702 may be further configured to establish a transit digital currency account and a transit card account of a payment server in an operation structure to which the operation mechanism server belongs in response to the account establishment request message.
The fifth aspect of the present application also provides a payment server. Fig. 16 is a schematic structural diagram of an embodiment of a payment server according to the fifth aspect of the present application. As shown in fig. 16, the payment server 800 includes a memory 801, a processor 802, and a computer program stored on the memory 801 and executable on the processor 802.
In one example, the processor 802 may include a Central Processing Unit (CPU), or an Application SPECIFIC INTEGRATED Circuit (ASIC), or may be configured as one or more integrated circuits that implement embodiments of the present application.
The Memory 801 may include Read-Only Memory (ROM), random-access Memory (Random Access Memory, RAM), magnetic disk storage media devices, optical storage media devices, flash Memory devices, electrical, optical, or other physical/tangible Memory storage devices. Thus, in general, the memory comprises one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to the digital currency payment method in embodiments according to the first aspect of the application.
The processor 802 runs a computer program corresponding to executable program code by reading the executable program code stored in the memory 801 for implementing the digital money payment method in the embodiment of the first aspect of the present application.
In one example, payment server 800 may also include a communication interface 803 and a bus 804. As shown in fig. 16, the memory 801, the processor 802, and the communication interface 803 are connected to each other via a bus 804 and perform communication with each other.
Communication interface 803 is primarily used to implement communication between modules, devices, units, and/or apparatuses in an embodiment of the present application. Input devices and/or output devices may also be accessed through communication interface 803.
Bus 804 includes hardware, software, or both, coupling the components of payment server 800 to one another. By way of example, and not limitation, bus 804 may include an accelerated graphics Port (ACCELERATED GRAPHICS Port, AGP) or other graphics Bus, an enhanced industry Standard architecture (Enhanced Industry Standard Architecture, EISA) Bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an industry Standard architecture (Industry Standard Architecture, ISA) Bus, an Infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a micro channel architecture (Micro Channel Architecture, MCA) Bus, a peripheral component interconnect (PERIPHERAL COMPONENT INTERCONNECT, PCI) Bus, a PCI-Express (PCI-E) Bus, a serial advanced technology attachment (SERIAL ADVANCED Technology Attachment, SATA) Bus, a video electronics standards Association local (Video Electronics Standards Association Local Bus, VLB) Bus, or other suitable Bus, or a combination of two or more of the above. Bus 804 may include one or more buses, where appropriate. Although embodiments of the application have been described and illustrated with respect to a particular bus, the application contemplates any suitable bus or interconnect.
The sixth aspect of the present application also provides an operation mechanism server. Fig. 17 is a schematic structural diagram of an embodiment of an operator server according to the sixth aspect of the present application. As shown in fig. 17, the operator server 900 includes a memory 901, a processor 902, and a computer program stored on the memory 901 and executable on the processor 902.
In one example, the processor 902 may include a Central Processing Unit (CPU), or an Application SPECIFIC INTEGRATED Circuit (ASIC), or may be configured as one or more integrated circuits that implement embodiments of the present application.
Memory 901 may include Read-Only Memory (ROM), random-access Memory (Random Access Memory, RAM), magnetic disk storage media devices, optical storage media devices, flash Memory devices, electrical, optical, or other physical/tangible Memory storage devices. Thus, in general, the memory comprises one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software comprising computer-executable instructions and when the software is executed (e.g., by one or more processors) it is operable to perform the operations described with reference to the digital currency payment method in embodiments in accordance with the second aspect of the application.
The processor 902 executes a computer program corresponding to the executable program code by reading the executable program code stored in the memory 901 for implementing the digital money payment method in the embodiment of the second aspect of the present application.
In one example, the operator server 900 may also include a communication interface 903 and a bus 904. As shown in fig. 17, the memory 901, the processor 902, and the communication interface 903 are connected to each other via a bus 904, and communicate with each other.
The communication interface 903 is mainly used to implement communication between each module, device, unit, and/or apparatus in the embodiment of the present application. Input devices and/or output devices may also be accessed through communication interface 903.
Bus 904 includes hardware, software, or both, coupling the components of operator server 900 to one another. By way of example, and not limitation, the Bus 904 may include an accelerated graphics Port (ACCELERATED GRAPHICS Port, AGP) or other graphics Bus, an enhanced industry Standard architecture (Enhanced Industry Standard Architecture, EISA) Bus, a Front Side Bus (FSB), a HyperTransport (HT) interconnect, an industry Standard architecture (Industry Standard Architecture, ISA) Bus, an Infiniband interconnect, a Low Pin Count (LPC) Bus, a memory Bus, a micro channel architecture (Micro Channel Architecture, MCA) Bus, a peripheral component interconnect (PERIPHERAL COMPONENT INTERCONNECT, PCI) Bus, a PCI-Express (PCI-E) Bus, a serial advanced technology attachment (SERIAL ADVANCED Technology Attachment, SATA) Bus, a video electronics standards Association local (Video Electronics Standards Association Local Bus, VLB) Bus, or other suitable Bus, or a combination of two or more of these. Bus 904 may include one or more buses, where appropriate. Although embodiments of the application have been described and illustrated with respect to a particular bus, the application contemplates any suitable bus or interconnect.
A seventh aspect of the application provides a digital money payment system. The digital money payment system may include the payment server and the operator server in the above embodiments. The details of the payment server and the operation mechanism server can be referred to the relevant descriptions in the above embodiments, and will not be repeated here.
The payment server 21, the payment server in the digital money payment method, the payment server 600, and the payment server 800 in the above-described embodiment can all be used as the payment server in the digital money payment system. Similarly, the operation agency server 22, the operation agency server in the digital money payment method, the operation agency server 700, and the operation agency server 900 in the above-described embodiment can all be used as the operation agency server in the digital money payment system.
In some embodiments, the digital money payment system may further include the payment acceptance terminal and the clearing house server in the above embodiments. The details of the payment acceptance terminal and the clearing house server can be referred to the relevant description in the above embodiments, and will not be described herein.
In some embodiments, the payment server of the same payment service party is configured with different transit digital currency accounts and transit card accounts at the operation mechanism servers of different operation mechanisms, and specific content can be referred to in the related description of the above embodiments and will not be repeated here.
The eighth aspect of the present application further provides a computer readable storage medium, on which computer program instructions are stored, which when executed by a processor, implement the digital currency payment method in the embodiment of the first aspect or the digital currency payment method in the embodiment of the second aspect, and achieve the same technical effects, and for avoiding repetition, a detailed description is omitted herein. The computer readable storage medium may include a non-transitory computer readable storage medium, such as Read-Only Memory (ROM), random access Memory (Random Access Memory RAM), magnetic disk or optical disk, and the like, which are not limited herein.
It should be understood that, in the present specification, each embodiment is described in an incremental manner, and the same or similar parts between the embodiments are all referred to each other, and each embodiment is mainly described in a different point from other embodiments. For payment server embodiments, operator server embodiments, system embodiments, computer readable storage medium embodiments, the relevant points may be found in the description of method embodiments. The application is not limited to the specific steps and structures described above and shown in the drawings. Those skilled in the art will appreciate that various alterations, modifications, and additions may be made, or the order of steps may be altered, after appreciating the spirit of the present application. Also, a detailed description of known method techniques is omitted here for the sake of brevity.
Aspects of the present application are described above with reference to flowchart illustrations and/or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the application. It will be understood that each block of the flowchart illustrations and/or block diagrams, and combinations of blocks in the flowchart illustrations and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions/acts specified in the flowchart and/or block diagram block or blocks. Such a processor may be, but is not limited to being, a general purpose processor, a special purpose processor, an application specific processor, or a field programmable logic circuit. It will also be understood that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware which performs the specified functions or acts, or combinations of special purpose hardware and computer instructions.
Those skilled in the art will appreciate that the above-described embodiments are exemplary and not limiting. The different technical features presented in the different embodiments may be combined to advantage. Other variations to the disclosed embodiments can be understood and effected by those skilled in the art in view of the drawings, the description, and the claims. In the claims, the term "comprising" does not exclude other means or steps, the indefinite article "a" or "an" does not exclude a plurality, and the terms "first" and "second" are used to indicate a designation and not to indicate any particular order. Any reference signs in the claims shall not be construed as limiting the scope. The functions of the various elements presented in the claims may be implemented by means of a single hardware or software module. The presence of certain features in different dependent claims does not imply that these features cannot be combined to advantage.
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