CN114169885A - Digital currency payment method, device, terminal and computer readable storage medium - Google Patents
Digital currency payment method, device, terminal and computer readable storage medium Download PDFInfo
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/407—Cancellation of a transaction
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- G06Q30/00—Commerce
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Abstract
The application is applicable to the technical field of communication, and provides a digital currency payment method, a device, a terminal and a computer readable storage medium, wherein the method comprises the following steps: the terminal displays a 5G message page, wherein the 5G message page comprises commodity information, and the commodity information comprises information of a target commodity; the terminal receives a first operation; the terminal generates a payment link of the target commodity according to the first operation; and the terminal sends a payment link of the target commodity to a server, wherein the payment link is used for indicating the server to complete a payment process from the source digital currency account to the target digital currency account. Through this application can solve present through digital wallet APP when paying digital currency, the flow is complicated, complex operation to lead to the limited problem of digital currency application range.
Description
Technical Field
The application belongs to the technical field of communication, and particularly relates to a digital currency payment method, a device, a terminal and a computer readable storage medium.
Background
The digital currency is issued by people's banks in China, is legal currency with national credit endorsement and legal compensation capability, and is currency rather than payment tool compared with payment treasure and WeChat.
At present, need download, install and log in digital wallet APP usually when carrying out digital currency payment and pay, this kind of payment mode flow is complicated, and complex operation is unfavorable for using widely on a large scale of digital currency.
Disclosure of Invention
In view of this, the present application provides a digital currency payment method, apparatus, terminal and computer readable storage medium, which can solve the problem that the current payment of digital currency through a digital wallet APP is complex in process and complex in operation, resulting in a limited range of use of digital currency.
A first aspect of an embodiment of the present application provides a digital currency payment method, including:
the terminal displays a 5G message page, wherein the 5G message page comprises commodity information, and the commodity information comprises information of a target commodity;
the terminal receives a first operation, wherein the first operation is an operation of selecting the target commodity in the 5G message page by a terminal user;
the terminal generates a payment link of the target commodity according to the first operation, wherein the payment link carries a source digital currency account, a target digital currency account and the transaction amount of the target commodity, the source digital currency account is a digital currency account of the terminal user, and the target digital currency account is a digital currency account of a target merchant to which the target commodity belongs;
and the terminal sends a payment link of the target commodity to a server, wherein the payment link is used for indicating the server to finish a payment process from the source digital currency account to the target digital currency account, and the payment amount finished by the payment process is the transaction amount of the target commodity.
In another implementation manner of the first aspect, the displaying, by the terminal, a 5G message page includes:
the terminal displays a first 5G message page, wherein the first 5G message page comprises a search control;
the terminal receives search information through the search control, wherein the search information carries information of a target ChatBot to be searched;
and the terminal obtains and displays a second 5G message page according to the search information, wherein the second 5G message page displays the commodity information included in the target ChatBot, and the commodity information includes the information of the target commodity.
In another implementation manner of the first aspect, the generating, by the terminal, the payment link of the target product according to the first operation includes:
the terminal acquires a ChatBot account number of the target merchant to which the target commodity belongs and a ChatBot account number of the terminal user;
the terminal obtains the target digital currency account according to the ChatBot account of the target merchant, and obtains the source digital currency account according to the ChatBot account of the terminal user;
and generating the payment link according to the source digital currency account number, the target digital currency account number and the transaction amount of the target commodity.
In another implementation manner of the first aspect, the obtaining the source digital currency account according to the ChatBot account of the end user includes:
the terminal checks whether a ChatBot account of the terminal user is bound with a digital currency account;
under the condition that a digital currency account is bound to the ChatBot account of the terminal user, acquiring the source digital currency account bound to the ChatBot account of the terminal user;
and sending prompt information under the condition that the ChatBot account of the terminal user is not bound with the digital currency account, wherein the prompt information is used for prompting the terminal user to bind the digital currency account for the ChatBot account of the terminal user.
In another implementation manner of the first aspect, after the terminal generates the payment link of the target product according to the first operation, the method further includes:
the terminal displays a third 5G message page, wherein the third 5G message page comprises a confirmation control;
correspondingly, the terminal sends the payment link to a server, and the method comprises the following steps:
and after receiving a second operation by the terminal, the terminal sends the payment link to the server, wherein the second operation is an operation acted on the confirmation control by the terminal user.
In another implementation manner of the first aspect, after the terminal sends the payment link to a server, the method further includes:
the terminal displays a fourth 5G message page, wherein the fourth 5G message page comprises a refund control of the target commodity;
after the terminal receives a third operation, the terminal generates a refund link, the third operation is an operation of the terminal user acting on the refund control, and the refund link comprises: a source digital currency account, a target digital currency account, and a refund amount in the payment link for the target good;
and the terminal sends the refund link to a server, wherein the refund link is used for indicating the server to complete a refund process from the target digital currency account to the source digital currency account.
In another implementation manner of the first aspect, the payment link of the target product includes an order number of the target product;
the refund control of the target commodity is a refund control corresponding to the order number;
and the payment link of the target commodity is the payment link corresponding to the order number.
A second aspect of embodiments of the present application provides a digital money payment apparatus, including:
the display unit is used for displaying a 5G message page on a terminal where the display unit is located, wherein the 5G message page contains commodity information, and the commodity information comprises information of a target commodity;
the receiving unit is used for receiving a first operation by a terminal where the receiving unit is located, wherein the first operation is an operation of selecting the target commodity in the 5G message page by a terminal user;
a generating unit, configured to generate a payment link of the target commodity according to the first operation by a terminal where the generating unit is located, where the payment link carries a source digital currency account, a target digital currency account, and a transaction amount of the target commodity, the source digital currency account is a digital currency account of the terminal user, and the target digital currency account is a digital currency account of a target merchant to which the target commodity belongs;
and the sending unit is used for sending a payment link of the target commodity to a server by the terminal where the sending unit is located, wherein the payment link is used for indicating the server to finish a payment process from the source digital currency account to the target digital currency account, and the payment amount finished by the payment process is the transaction amount of the target commodity.
A third aspect of embodiments of the present application provides a terminal supporting 5G messages, the terminal comprising a processor for executing a computer program stored in a memory to implement the digital money payment method according to the first aspect above.
A fourth aspect of embodiments of the present application provides a computer-readable storage medium having stored thereon a computer program which, when run on a processor, implements the digital currency payment method of the first aspect of the present application.
In the embodiment of the application, a 5G message page is displayed by a terminal, wherein the 5G message page comprises commodity information which comprises information of a target commodity; secondly, receiving a first operation aiming at a target commodity in a 5G message interface by a terminal user through the terminal, wherein the first operation is an operation of selecting the target commodity in the 5G message page by the terminal user; thirdly, the terminal generates a payment link of the target commodity according to the first operation, wherein the payment link comprises a source digital currency account (namely the digital currency account of the terminal user), a target digital currency account (namely the digital currency account of a merchant to which the target commodity belongs) and the transaction amount of the target commodity; and finally, the terminal sends a payment link of the target commodity to the server, wherein the payment link is used for indicating the server to finish a payment process from the source digital currency account to the target digital currency account, and the payment amount finished by the payment process is the transaction amount of the target commodity. According to the method, the digital currency payment method can be completed in the 5G message page, and the terminal user does not need to download, install and log in the digital wallet APP for payment, so that the problems that the process is complex and the operation is complex when the digital currency is paid through the digital wallet APP at present, and the use range of the digital currency is limited are solved.
Drawings
In order to more clearly illustrate the technical solutions in the embodiments of the present application, the drawings needed to be used in the description of the embodiments are briefly introduced below, and it is obvious that the drawings in the following description are only some embodiments of the present application, and it is obvious for those skilled in the art to obtain other drawings based on these drawings without exceeding the protection scope of the present application.
FIG. 1 is a flow chart diagram illustrating a digital currency payment method provided by an embodiment of the present application;
FIG. 2 is a flow diagram illustrating a method for digital currency payment provided in another embodiment of the present application;
FIG. 3 is a flow chart diagram illustrating a method for digital currency payment provided in another embodiment of the present application;
FIG. 4 is a flow diagram illustrating a method for digital currency payment provided in another embodiment of the present application;
FIG. 5 is a flow chart diagram illustrating a method for digital currency payment provided in another embodiment of the present application;
FIG. 6 is a schematic diagram illustrating a digital currency payment device according to an embodiment of the present disclosure;
fig. 7 shows a schematic structural diagram of a terminal provided in an embodiment of the present application.
Detailed Description
Referring to fig. 1, which is a schematic flow chart of a digital currency payment method provided in an embodiment of the present application, the method is applied to a terminal supporting 5G messages, and as shown in the figure, the method may include the following steps:
s11, the terminal displays the 5G message page.
The 5G message page contains commodity information, and the commodity information comprises information of a target commodity.
In this embodiment of the application, the terminal may include various terminal devices supporting 5G messages, such as a Mobile phone, a tablet computer, a Personal Digital Assistant (PDA), a Mobile Internet Device (MID), and an intelligent wearable Device (smart watch and smart band), which are not limited in this embodiment of the application.
The 5G message is the upgrade of the traditional short message, adopts the data channel service, continues to use the short message entrance, supports rich media messages such as characters, pictures, audio, video, positioning and the like; and meanwhile, a ChatBot (chat robot) is integrated, so that the user requirements (uplink messages) can be responded at any time. The user can complete one-stop service experience of service searching, discovery, interaction, payment and the like in the message window, and a brand-new information service entrance is established.
The target commodity can be any one of commodities included in the 5G message page, and correspondingly, the merchant to which the target commodity belongs is the target merchant.
Referring to fig. 2, in another embodiment of the present application, a terminal displays a 5G message page, including:
s1101, the terminal displays a first 5G message page, and the first 5G message page comprises a search control.
In the embodiment of the present application, the 5G message is an application included in the conventional short message APP. The first 5G message page may be a first page displayed by the terminal to the terminal user after the terminal user enters the 5G message application, where the first 5G message page includes a search control, and the search control is used to search, according to search information of the terminal user, information of a target application corresponding to the search information of the terminal user from a short message inbox.
For convenience of description, a page presented by the terminal to the terminal user after the terminal user enters the 5G message application in the terminal is defined as a first 5G message page.
And S1102, the terminal receives search information through the search control, wherein the search information carries the information of the target ChatBot to be searched.
By way of example, assuming that a user inputs "pan ChatBot" in the search control, the pan ChatBot is information of a target ChatBot in the embodiment of the present application, and after the user inputs the search information (i.e., "pan ChatBot"), the search control receives the search information (i.e., "pan ChatBot") input by the end user.
And S1103, the terminal obtains and displays a second 5G message page according to the search information, wherein the second 5G message page comprises commodity information provided by the target ChatBot, and the commodity information comprises information of the target commodity.
As an example, after receiving the search information "pan cha bot" in the search control of the terminal user, the terminal searches for the "pan cha bot" in the short message inbox and displays a page of the searched "pan cha bot" to the terminal user, wherein the page of the "pan cha bot" includes information of a commodity. Any commodity in the commodity page is the target commodity in the application, and correspondingly, the merchant to which the target commodity belongs is the target merchant.
For convenience of description, a page obtained and displayed by the terminal according to the search information of the terminal user is defined as a second 5G message page.
And S12, the terminal receives a first operation, wherein the first operation is the operation of the terminal user for selecting the target commodity in the 5G message page.
In the embodiment of the application, the terminal user can select the required target commodity from the commodities displayed in the 5G message page according to the actual purchase demand, and after the terminal user selects the target commodity in the 5G message page, the terminal can receive the selection operation of the terminal user on the target commodity. It should be noted that, the 5G message page here is the second 5G message page in the above description.
For convenience of description, the operation of the terminal user selecting the target product in the 5G message page received by the terminal is defined as a first operation.
And S13, the terminal generates a payment link of the target commodity according to the first operation, wherein the payment link carries a source digital currency account, a target digital currency account and the transaction amount of the target commodity, the source digital currency account is the digital currency account of the terminal user, and the target digital currency account is the digital currency account of the target merchant to which the target commodity belongs.
Referring to fig. 3, in another embodiment of the present application, the generating, by the terminal, the payment link of the target product according to the first operation includes:
s1301, the terminal obtains a ChatBot account of the target merchant and a ChatBot account of the terminal user.
As an example, the terminal may obtain the account number of the target merchant in "pan cha bot" and the account number of the terminal user in "pan cha bot".
And S1302, the terminal obtains a target digital currency account according to the ChatBot account of the target merchant, and obtains a source digital currency account according to the ChatBot account of the terminal user.
In the embodiment of the application, after the terminal acquires the account number of the target merchant in the "pan ChatBot" and the account number of the terminal user in the "pan ChatBot", the terminal acquires a target digital currency account number corresponding to the "pan ChatBot" account number of the target merchant and a source digital currency account number corresponding to the "pan ChatBot" account number of the terminal user, wherein the target digital currency account number is a payment account number of the target merchant in the "pan ChatBot", and the source digital currency account number is a payment account number of the terminal user in the "pan ChatBot".
It should be noted that the digital currency ChatBot is also located in the short message inbox in the 5G message, both the target merchant and the terminal user can search the digital currency ChatBot in the search control of the first 5G message page, the terminal can display the page of the digital currency ChatBot to the target merchant or the user according to the search information, the target merchant or the user can register and log in the digital currency ChatBot page displayed by the terminal, and correspondingly, the information that the target merchant registers in the digital currency ChatBot and logs in is the target digital currency account number of the target merchant in the application; the information that the terminal user registers and logs in the digital currency ChatBot is the source digital currency account number of the terminal user in the application.
Referring to fig. 4, in another embodiment of the present application, obtaining a source digital currency account from a ChatBot account of an end user includes:
s41, the terminal checks whether the terminal user' S ChatBot account is bound with a digital currency account.
The terminal can judge whether the ChatBot account number of the terminal user in the target ChatBot is bound with the digital currency account number of the user in the 5G message or not according to the ChatBot account number of the terminal user in the target ChatBot, namely whether the ChatBot account number of the terminal user takes the digital currency account number as a payment account number or not.
As an example, assuming that the target ChatBot is "pan ChatBot", the ChatBot account of the terminal user is the ChatBot account of the terminal user in "pan ChatBot", and the terminal may determine whether the terminal user binds the digital currency payment account with the ChatBot account of the terminal user in "pan ChatBot" according to the ChatBot account of the terminal user in "pan ChatBot".
And S42, acquiring a source digital currency account bound by the ChatBot account of the terminal user under the condition that the ChatBot account of the terminal user is bound with the digital currency account.
In the embodiment of the application, if the terminal finds that the ChatBot account of the terminal user is bound with the digital currency account through judgment, the terminal can acquire the source digital currency account bound with the ChatBot account of the terminal user.
And S43, sending prompt information under the condition that the terminal user 'S ChatBot account is not bound with the digital currency account, wherein the prompt information is used for prompting the terminal user to bind the digital currency account for the terminal user' S ChatBot account.
In the embodiment of the application, if the terminal finds that the ChatBot account of the terminal user is not bound with the digital currency account through judgment, the terminal sends prompt information to prompt the terminal user to bind the digital currency account with the ChatBot account of the terminal user in the target ChatBot, so that the digital currency account can be used as the payment account of the terminal user in the target ChatBot.
And S1303, generating a payment link according to the source digital currency account number, the target digital currency account number and the transaction amount of the target commodity.
As an example, assuming that the transaction amount of the target product is 100 yuan, the terminal may generate a payment link according to the payment parameters, such as the target digital currency account number of the target merchant to which the target product belongs, the source digital currency account number of the terminal user, the order number of the target product, the target product ID, and the order type, obtained in S1202. Wherein the order type includes a payment or a refund.
In another embodiment of the present application, after the terminal generates the payment link of the target product according to the first operation, the method further includes:
the terminal displays a third 5G message page, the third 5G message page including a confirmation control.
In the embodiment of the application, after the payment link of the target commodity is obtained through S13, the terminal jumps to the third 5G message page according to the target digital currency account in the payment link, the third 5G message page includes a confirmation control, the terminal user determines whether the payment account, the payment amount, and the payment method shown in the third 5G message page are correct, and if so, the terminal user clicks the confirmation control located on the third 5G message page.
For convenience of description, a page, in which the terminal generates a payment link of a target commodity according to a first operation, skips according to a source digital currency account in the payment link and then displays the skip page to a terminal user, is defined as a third 5G message page.
Correspondingly, the terminal sends the payment link to a server, and the method comprises the following steps:
and after the terminal receives the second operation, the terminal sends the payment link to the server, and the second operation is the operation acted on the confirmation control by the terminal user.
In the embodiment of the application, the terminal user may click the confirmation control on the third 5G message page when the terminal user determines that the payment account, the payment amount, the payment method, and the like displayed in the third 5G message page are all correct. And after the terminal receives the confirmation operation of the terminal user on the confirmation control, the terminal sends the generated payment link to the server so as to instruct the server to complete the payment process of the digital currency according to the information carried in the payment link.
S14, the terminal sends the payment link of the target commodity to the server.
In this embodiment of the application, after the payment link of the target commodity is generated through S13, the terminal sends the payment link to the server, where the payment link is used to instruct the server to complete a payment process from the source digital currency account to the target digital currency account, and a payment amount completed by the payment process is a transaction amount of the target commodity.
It should be noted that, after the server receives the payment link sent by the terminal, the server verifies the source digital currency account and the target digital currency account to determine whether the source digital currency account and the target digital currency account are legal account information for normal registration and use, and if yes, the server carries information according to the payment link to complete the payment process for the target commodity; and if the source digital currency account and/or the target digital live currency account are illegal accounts, sending out prompt information of payment failure.
As an example, assuming that the transaction amount of the target commodity is 100 dollars, after the terminal sends the payment link to the server, the server deducts 100 dollars from the digital currency account of the terminal user according to the digital currency account of the target merchant (target digital currency account) and the digital currency account of the terminal user (source digital currency account) in the payment link, and after the terminal user completes the confirmation receiving operation, the server gives the transaction amount of 100 dollars to the target digital currency account (i.e., the digital currency account of the target merchant to which the target commodity belongs).
Certainly, in practical applications, the 5G message and the target ChatBot may also charge a platform service fee when providing services for the target merchant, and therefore, the amount of money actually obtained in the target digital currency account is not necessarily the actual transaction amount of the target commodity, which is not described in detail in this application.
It can be seen that the payment process of the digital currency is completely completed in the 5G message, a payment closed loop is formed, and the user does not need to jump to a third-party page to realize aggregate payment, so that the security of the digital currency payment is greatly improved.
Referring to fig. 5, in another embodiment of the present application, after the terminal sends the payment link to the server, the method further includes:
s51, the terminal displays a fourth 5G message page, and the fourth 5G message page comprises a refund control of the target commodity.
In the embodiment of the application, the terminal sends the payment link to the server, and after the server completes the payment process according to the information carried in the payment link, the target commodity which has been ordered and the refund control for the target commodity are included in the fourth 5G message page.
For convenience of description, a page which is displayed to the user by the terminal and contains order information of the target commodity after the terminal completes a payment process for the target commodity according to the payment link is defined as a fourth 5G message page.
And S52, after the terminal receives the third operation, the terminal generates a refund link, and the third operation is the operation of the terminal user on the refund control.
In the embodiment of the application, the fourth 5G message page displayed by the terminal to the terminal user contains the refund control for the target commodity, if the terminal user needs to refund the target commodity, the terminal user can click the refund control in the fourth 5G message page, and after the terminal receives the click operation of the terminal user on the refund control, a refund link for the target commodity is generated. Corresponding to the payment link, the refund link includes: a source digital currency account, a target digital currency account, and a refund amount in a payment link for the target good.
As an example, it is assumed that the target digital account included in the payment connection is the digital currency account of the target merchant, the source digital currency account is the digital currency account of the end user, and the transaction amount is 100 yuan, and correspondingly, the refund link of the target product also includes the digital currency account of the target merchant, the source digital currency account of the end user, and the refund amount of the target product.
It should be noted that the refund amount mentioned in the embodiment of the present application may be equal to the transaction amount of the target commodity, for example, after the terminal user places an order for the target commodity and the target merchant is not delivering goods, when the terminal user applies for a refund operation on the target commodity, the refund amount is the actual transaction amount of the target commodity.
However, in practical applications, the refund amount in the refund link may not be exactly the transaction amount for the target item. May be greater than or less than the transaction amount of the target item, for example, the refund amount may be less than the actual transaction amount when the target item is applied for the refund spread. When the terminal user receives the goods, the target goods are identified according to the system agreement signed with the target merchant, and the target goods are determined not to accord with the description of the target goods by the target merchant, the terminal user can apply the target merchant to compensate the terminal user for the money more than the transaction amount of the target goods. Of course, in practical application, there may be other various refund scenarios, which are not described in detail herein, but it should be noted that the method provided in the present application is applicable to various refund scenarios.
For ease of description, the operation of the end user acting on the refund control of the fourth 5G message page is defined herein as the third operation.
And S53, the terminal sends a refund link to the server, wherein the refund link is used for indicating the server to complete the refund process from the target digital currency account to the source digital currency account.
The description of the embodiment of the present application may refer to the description of S14, and is not repeated here.
In another embodiment of the present application, the payment link of the target product includes an order number of the target product;
the refund control of the target commodity is a refund control corresponding to the order number;
and the payment link of the target commodity is a payment link corresponding to the order number.
In the embodiment of the application, the target commodity is associated with the refund control of the target commodity through the order number. Because the target commodity is any one of commodities contained in the target merchant, the refund operation can be performed on the target commodity needing the refund operation according to the order number after the terminal user places a plurality of target commodities. Therefore, it can be understood that, in the embodiment of the application, the target commodity in the payment link and the target commodity in the refund link are the same commodity.
Referring to fig. 6, which is a schematic structural diagram of a digital currency payment device provided in an embodiment of the present application, as shown in the figure, the digital currency payment device 6 includes:
a display unit 610, configured to display a 5G message page on a terminal where the display unit is located, where the 5G message page includes commodity information, and the commodity information includes information of a target commodity;
a receiving unit 620, configured to receive a first operation by a terminal where the receiving unit is located, where the first operation is an operation of a terminal user selecting the target product in the 5G message page;
a generating unit 630, configured to generate a payment link of the target commodity according to the first operation, where the payment link carries a source digital currency account, a target digital currency account, and a transaction amount of the target commodity, where the source digital currency account is a digital currency account of the terminal user, and the target digital currency account is a digital currency account of a target merchant to which the target commodity belongs;
the sending unit 640 is configured to send a payment link of the target commodity to a server by using the terminal where the sending unit is located, where the payment link is used to instruct the server to complete a payment process from the source digital currency account to the target digital currency account, and a payment amount completed by the payment process is a transaction amount of the target commodity.
In another embodiment of the present application, the display unit 610 is further configured to:
displaying a first 5G message page, wherein the first 5G message page comprises a search control;
receiving search information through the search control, wherein the search information carries information of a target ChatBot to be searched;
and obtaining and displaying a second 5G message page according to the search information, wherein the second 5G message page comprises the commodity information provided by the target ChatBot, and the commodity information comprises the information of the target commodity.
In another embodiment of the present application, the generating unit 630 is further configured to:
acquiring a ChatBot account number of the target merchant to which the target commodity belongs and a ChatBot account number of the terminal user;
obtaining the target digital currency account according to the ChatBot account of the target merchant, and obtaining the source digital currency account according to the ChatBot account of the terminal user;
and generating the payment link according to the source digital currency account number, the target digital currency account number and the transaction amount of the target commodity.
In another embodiment of the present application, the generating unit 630 is further configured to:
checking whether a digital currency account is bound to the ChatBot account of the terminal user;
under the condition that a digital currency account is bound to the ChatBot account of the terminal user, acquiring the source digital currency account bound to the ChatBot account of the terminal user;
and sending prompt information under the condition that the ChatBot account of the terminal user is not bound with the digital currency account, wherein the prompt information is used for prompting the terminal user to bind the digital currency account for the ChatBot account of the terminal user.
In another embodiment of the present application, the display unit 610 is further configured to:
and displaying a third 5G message page after the terminal where the display unit is located generates the payment link of the target commodity according to the first operation, wherein the third 5G message page comprises a confirmation control.
In another embodiment of the present application, the display unit 610 is further configured to:
and after the terminal where the display unit is located sends a payment link to a server, displaying a fourth 5G message page, wherein the fourth 5G message page comprises a refund control of the target commodity.
In another embodiment of the present application, the generating unit 630 is further configured to:
after the terminal where the generating unit is located receives a third operation, the terminal where the display unit is located generates a refund link, the third operation is an operation of the terminal user acting on the refund control, and the refund link comprises: a source digital currency account, a target digital currency account, and a refund amount in a payment link for the target good.
In another embodiment of the present application, the sending unit 640 is further configured to:
and the terminal where the sending unit is located sends the refund link to a server, and the refund link is used for indicating the server to complete a refund process from the target digital currency account to the source digital currency account.
Optionally, the payment link of the target product includes an order number of the target product;
the refund control of the target commodity is a refund control corresponding to the order number;
and the payment link of the target commodity is the payment link corresponding to the order number.
It should be noted that the implementation process and mutual information interaction between the above devices/units are based on the same concept as the digital currency payment method provided in the embodiments of the present application, and specific functions and technical effects thereof may be specifically referred to in the method embodiments, and are not described herein again.
Referring to fig. 7, fig. 7 is a schematic structural diagram of a terminal according to an embodiment of the present application, where as shown in the diagram, the terminal 7 includes:
one or more processors 710, a memory 720, and computer programs 730 stored in the memory 730 and executable on the processors 710. The processor 710, when executing the computer program 730, implements the steps in the various method embodiments described above, such as the steps S11-S14 shown in fig. 1.
Illustratively, the computer program 730 may be divided into one or more units, which are stored in the memory 720 and executed by the processor 710 to perform the present application, and the one or more units may be a series of computer program instruction segments capable of performing specific functions, which are used to describe the execution process of the computer program 730 in the terminal 7. For example, the computer program 730 may be divided into several units, as an example:
a display unit 610, configured to display a 5G message page on a terminal where the display unit is located, where the 5G message page includes commodity information, and the commodity information includes information of a target commodity;
a receiving unit 620, configured to receive a first operation by a terminal where the receiving unit is located, where the first operation is an operation of a terminal user selecting the target product in the 5G message page;
a generating unit 630, configured to generate a payment link of the target commodity according to the first operation, where the payment link carries a source digital currency account, a target digital currency account, and a transaction amount of the target commodity, where the source digital currency account is a digital currency account of the terminal user, and the target digital currency account is a digital currency account of a target merchant to which the target commodity belongs;
the sending unit 640 is configured to send a payment link of the target commodity to a server by using the terminal where the sending unit is located, where the payment link is used to instruct the server to complete a payment process from the source digital currency account to the target digital currency account, and a payment amount completed by the payment process is a transaction amount of the target commodity.
The terminal includes, but is not limited to, a processor 710, a memory 720. It will be appreciated by a person skilled in the art that fig. 7 is only one example of a terminal 7 and does not constitute a limitation of the terminal 7, and that it may comprise more or less components than shown, or some components may be combined, or different components, e.g. the terminal 7 may further comprise input devices, output devices, network access devices, buses, etc.
The Processor 710 may be a Central Processing Unit (CPU), other general purpose Processor, a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), an off-the-shelf Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, discrete hardware component, etc. A general purpose processor may be a microprocessor or the processor may be any conventional processor or the like.
The memory 720 may be an internal storage unit of the terminal 7, such as a hard disk or a memory of the terminal 7. The memory 720 may also be an external storage device of the terminal 7, such as a plug-in hard disk, a Smart Media Card (SMC), a Secure Digital (SD) Card, a Flash memory Card (Flash Card) and the like provided on the terminal 7. Further, the memory 720 may also include both an internal storage unit and an external storage device of the terminal 7. The memory 720 is used for storing the computer programs and other programs and data required by the terminal 7. The memory 720 may also be used to temporarily store data that has been output or is to be output.
In the above embodiments, the descriptions of the respective embodiments have respective emphasis, and reference may be made to the related descriptions of other embodiments for parts that are not described or illustrated in a certain embodiment.
Those of ordinary skill in the art will appreciate that the various illustrative exception handling method steps described in connection with the embodiments disclosed herein may be implemented as electronic hardware, or combinations of computer software and electronic hardware. Whether such functionality is implemented as hardware or software depends upon the particular application and design constraints imposed on the implementation. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.
The foregoing detailed description of the embodiments of the present application has been presented to illustrate the principles and implementations of the present application, and the description of the embodiments is only intended to facilitate the understanding of the methods and their core concepts of the present application. Meanwhile, a person skilled in the art should, according to the idea of the present application, change or modify the embodiments and applications of the present application based on the scope of the present application. In view of the above, the description should not be taken as limiting the application.
Claims (10)
1. A digital currency payment method is applied to a terminal supporting 5G messages, and is characterized by comprising the following steps:
the terminal displays a 5G message page, wherein the 5G message page comprises commodity information, and the commodity information comprises information of a target commodity;
the terminal receives a first operation, wherein the first operation is an operation of selecting the target commodity in the 5G message page by a terminal user;
the terminal generates a payment link of the target commodity according to the first operation, wherein the payment link carries a source digital currency account, a target digital currency account and the transaction amount of the target commodity, the source digital currency account is a digital currency account of the terminal user, and the target digital currency account is a digital currency account of a target merchant to which the target commodity belongs;
and the terminal sends a payment link of the target commodity to a server, wherein the payment link is used for indicating the server to finish a payment process from the source digital currency account to the target digital currency account, and the payment amount finished by the payment process is the transaction amount of the target commodity.
2. The method of claim 1, wherein the terminal displays a 5G message page comprising:
the terminal displays a first 5G message page, wherein the first 5G message page comprises a search control;
the terminal receives search information through the search control, wherein the search information carries information of a target ChatBot to be searched;
and the terminal obtains and displays a second 5G message page according to the search information, wherein the second 5G message page comprises the commodity information provided by the target ChatBot, and the commodity information comprises the information of the target commodity.
3. The method of claim 2, wherein the terminal generating the payment link for the target good according to the first operation comprises:
the terminal acquires a ChatBot account number of the target merchant to which the target commodity belongs and a ChatBot account number of the terminal user;
the terminal obtains the target digital currency account according to the ChatBot account of the target merchant, and obtains the source digital currency account according to the ChatBot account of the terminal user;
and generating the payment link according to the source digital currency account number, the target digital currency account number and the transaction amount of the target commodity.
4. The method of claim 3, wherein the deriving the source digital currency account from the end user's ChatBot account comprises:
the terminal checks whether a ChatBot account of the terminal user is bound with a digital currency account;
under the condition that a digital currency account is bound to the ChatBot account of the terminal user, acquiring the source digital currency account bound to the ChatBot account of the terminal user;
and sending prompt information under the condition that the ChatBot account of the terminal user is not bound with the digital currency account, wherein the prompt information is used for prompting the terminal user to bind the digital currency account for the ChatBot account of the terminal user.
5. The method as claimed in claim 1, wherein after the terminal generates the payment link for the target commodity according to the first operation, the method further comprises:
the terminal displays a third 5G message page, wherein the third 5G message page comprises a confirmation control;
correspondingly, the terminal sends the payment link to a server, and the method comprises the following steps:
and after receiving a second operation by the terminal, the terminal sends the payment link to the server, wherein the second operation is an operation acted on the confirmation control by the terminal user.
6. The method of claim 1, wherein after the terminal sends the payment link to a server, the method further comprises:
the terminal displays a fourth 5G message page, wherein the fourth 5G message page comprises a refund control of the target commodity;
after the terminal receives a third operation, the terminal generates a refund link, the third operation is an operation of the terminal user acting on the refund control, and the refund link comprises: a source digital currency account, a target digital currency account, and a refund amount in the payment link for the target good;
and the terminal sends the refund link to a server, wherein the refund link is used for indicating the server to complete a refund process from the target digital currency account to the source digital currency account.
7. The method of claim 6, wherein the payment link for the target item comprises an order number for the target item;
the refund control of the target commodity is a refund control corresponding to the order number;
and the payment link of the target commodity is the payment link corresponding to the order number.
8. A digital currency payment device, comprising:
the display unit is used for displaying a 5G message page on a terminal where the display unit is located, wherein the 5G message page contains commodity information, and the commodity information comprises information of a target commodity;
the receiving unit is used for receiving a first operation by a terminal where the receiving unit is located, wherein the first operation is an operation of selecting the target commodity in the 5G message page by a terminal user;
a generating unit, configured to generate a payment link of the target commodity according to the first operation by a terminal where the generating unit is located, where the payment link carries a source digital currency account, a target digital currency account, and a transaction amount of the target commodity, the source digital currency account is a digital currency account of the terminal user, and the target digital currency account is a digital currency account of a target merchant to which the target commodity belongs;
and the sending unit is used for sending a payment link of the target commodity to a server by the terminal where the sending unit is located, wherein the payment link is used for indicating the server to finish a payment process from the source digital currency account to the target digital currency account, and the payment amount finished by the payment process is the transaction amount of the target commodity.
9. A terminal, characterised in that the terminal supports 5G messages, the terminal comprising a processor for executing a computer program stored in a memory for implementing a digital currency payment method as claimed in any one of claims 1 to 7.
10. A computer-readable storage medium, in which a computer program is stored which, when run on a processor, implements a digital currency payment method as claimed in any one of claims 1 to 7.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111365106.8A CN114169885A (en) | 2021-11-17 | 2021-11-17 | Digital currency payment method, device, terminal and computer readable storage medium |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202111365106.8A CN114169885A (en) | 2021-11-17 | 2021-11-17 | Digital currency payment method, device, terminal and computer readable storage medium |
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| Publication Number | Publication Date |
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| CN114169885A true CN114169885A (en) | 2022-03-11 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN202111365106.8A Pending CN114169885A (en) | 2021-11-17 | 2021-11-17 | Digital currency payment method, device, terminal and computer readable storage medium |
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Cited By (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114828000A (en) * | 2022-04-14 | 2022-07-29 | 中国联合网络通信集团有限公司 | Login method, device and computer readable storage medium |
| CN114827924A (en) * | 2022-04-11 | 2022-07-29 | 中国联合网络通信集团有限公司 | Service information acquisition method, device and storage medium |
| CN115170117A (en) * | 2022-05-09 | 2022-10-11 | 中移互联网有限公司 | 5G message payment method, system, device and computer readable storage medium |
| CN116245522A (en) * | 2022-12-28 | 2023-06-09 | 新开普电子股份有限公司 | Digital currency-based aggregate payment system and method |
-
2021
- 2021-11-17 CN CN202111365106.8A patent/CN114169885A/en active Pending
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114827924A (en) * | 2022-04-11 | 2022-07-29 | 中国联合网络通信集团有限公司 | Service information acquisition method, device and storage medium |
| CN114828000A (en) * | 2022-04-14 | 2022-07-29 | 中国联合网络通信集团有限公司 | Login method, device and computer readable storage medium |
| CN114828000B (en) * | 2022-04-14 | 2023-07-28 | 中国联合网络通信集团有限公司 | Login method, login device and computer readable storage medium |
| CN115170117A (en) * | 2022-05-09 | 2022-10-11 | 中移互联网有限公司 | 5G message payment method, system, device and computer readable storage medium |
| CN115170117B (en) * | 2022-05-09 | 2024-03-19 | 中移互联网有限公司 | 5G message payment method, system, device and computer readable storage medium |
| CN116245522A (en) * | 2022-12-28 | 2023-06-09 | 新开普电子股份有限公司 | Digital currency-based aggregate payment system and method |
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