CN116245522A - Digital currency-based aggregate payment system and method - Google Patents
Digital currency-based aggregate payment system and method Download PDFInfo
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- CN116245522A CN116245522A CN202211700441.3A CN202211700441A CN116245522A CN 116245522 A CN116245522 A CN 116245522A CN 202211700441 A CN202211700441 A CN 202211700441A CN 116245522 A CN116245522 A CN 116245522A
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- 230000008569 process Effects 0.000 claims description 23
- 230000018109 developmental process Effects 0.000 description 15
- 238000012795 verification Methods 0.000 description 8
- 210000001503 joint Anatomy 0.000 description 7
- 238000003032 molecular docking Methods 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 230000004044 response Effects 0.000 description 2
- 230000002776 aggregation Effects 0.000 description 1
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- G—PHYSICS
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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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3274—Short range or proximity payments by means of M-devices using a pictured code, e.g. barcode or QR-code, being displayed on the M-device
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
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- 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
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
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Abstract
The invention belongs to the technical field of mobile payment, and particularly relates to an aggregate payment system and method based on digital currency.
Description
Technical Field
The invention belongs to the technical field of mobile payment, and particularly relates to an aggregate payment system and method based on digital currency.
Background
Aggregate payments, also referred to as "converged payments", refer to "payment services" that are engaged in only "pay, settle, clear" services. The existing aggregate payment system is mainly biased to the aggregation of payment modes, such as payment treasures, weChat and bank card payment, but as the trial cities of national digital currencies increase and applications are popularized, payment identification media based on digital currency scenes are also gradually increased, in the application of interfacing with digital currencies, account interfacing of single application scenes is often carried out, for example, entity card swiping is carried out to complete payment through binding of card numbers and digital currency accounts, two-dimensional code swiping is carried out to complete payment through analyzing bank binding personal accounts, face swiping is carried out to complete payment through binding mobile phone numbers, and the like, no unified method for aggregate payment of different media is provided, and once media information changes, the payment needs to be re-bound or even technical interfacing again, so that different payment systems are required to carry out payment interfacing processes for the payment modes of different payment media, and development workload and cost problems of the payment systems for different payment media can be generated.
Disclosure of Invention
The invention aims to provide an aggregate payment system and method based on digital currency, which are used for solving the problems of large development workload and high cost caused by corresponding system development aiming at payment modes of different media in the prior art.
In order to solve the technical problems, the invention provides an aggregate payment method based on digital currency, which comprises the following steps:
1) Acquiring information of a payment medium through the payment medium by a terminal device, generating corresponding payment request information and sending the corresponding payment request information to an aggregate payment system;
2) After receiving the terminal payment request information, the aggregate payment system analyzes the payment request information and confirms whether the terminal payment request information is legal or not; after the payment request information is legal, calling a digital currency transaction interface of a digital currency system to conduct digital currency transaction through the corresponding relation between the information of the pre-established payment medium and the personal account; the corresponding relation between the information of the pre-established payment medium and the personal account is established in a mode of binding the personal account based on the information of different identification media.
The beneficial effects are as follows: through the corresponding relation between the information of the pre-established payment medium and the personal account and the corresponding relation between the information of the different identification media and the personal account, namely the information of the different identification media can be corresponding to the personal account through one system, when the terminal equipment acquires the information of the different payment media, the personal account can be identified through the aggregated payment system, the process that the different systems are needed to be in butt joint for the payment modes of the different media is avoided, and further the development process that the corresponding butt joint system is needed to be developed for the different payment media is reduced through the aggregated payment modes based on the different payment media, namely the development workload and the development cost of the butt joint system are reduced.
Further, in step 1), when the payment medium is a card, in step 2), the information of the payment medium is a card unique identifier of the card; in the step 1), when the payment medium is a code, in the step 2), the information of the payment medium is identity information in the code; in step 1), when the payment medium is biological information, in step 2), the information of the payment medium is identity information corresponding to the biological information.
Because the unique card identifier has no repeatability, the unique card identifier (such as a card number) of the card is corresponding to the personal account, so that the personal account can be accurately determined by the unique card identifier. When the identification medium is a code, the code contains personal identity information, and the personal identity information is unique, so that the personal account can be accurately determined through the identity information in the code after the identity information in the code is corresponding to the personal account. The biological information has uniqueness, and the identity information corresponding to the biological information is also unique, so that after the identity information corresponding to the biological information is corresponding to the personal account, the personal account can be accurately determined through the face identity information.
Further, in step 2), after the digital money transaction process is completed, the aggregate payment system obtains the digital money payment result and sends the digital money payment result to the terminal device.
After the digital currency transaction process is completed, the aggregate payment system acquires the digital currency payment result and sends the digital currency payment result to the terminal device, so that the terminal device can obtain the payment result.
Further, the aggregate payment system updates an aggregate payment log according to the acquired digital currency payment result.
And the aggregate payment system updates the digital currency payment result to an aggregate payment log, so that the real-time recording of the payment process is realized.
In order to solve the technical problem, the invention also provides an aggregate payment system based on digital currency, which comprises two ports respectively used for being connected with terminal equipment and the digital currency system, wherein the port connected with the terminal equipment is used for receiving payment request information sent by the terminal equipment;
after receiving the payment request information, analyzing the payment request information, confirming whether the payment request information of the terminal is legal, and after the payment request information is legal, determining the personal account through the corresponding relation between the information of the pre-established payment medium and the personal account; the corresponding relation between the information of the pre-established payment medium and the personal account is established in a mode of binding the personal account based on the information of different identification media;
the port connected with the digital currency system is used for calling the digital currency transaction interface of the digital currency system to conduct digital currency transaction after the personal account is determined.
The beneficial effects are as follows: through the corresponding relation between the information of the pre-established payment medium and the personal account and the corresponding relation between the information of the different identification media and the personal account, namely the information of the different identification media can be corresponding to the personal account through one system, when the terminal equipment acquires the information of the different payment media, the personal account can be identified through the aggregated payment system, the process that the different systems are needed to be in butt joint for the payment modes of the different media is avoided, and further the development process that the corresponding butt joint system is needed to be developed for the different payment media is reduced through the aggregated payment modes based on the different payment media, namely the development workload and the development cost of the butt joint system are reduced.
Further, when the identification medium is a card, the information of the identification medium is a card unique identifier of the card; when the identification medium is a code, the information of the identification medium is identity information in the code; when the identification medium is biological information, the information of the identification medium is identity information corresponding to the biological information.
Because the unique card identifier has no repeatability, the unique card identifier (such as a card number) of the card is corresponding to the personal account, so that the personal account can be accurately determined by the unique card identifier. When the identification medium is a code, the code contains personal identity information, and the personal identity information is unique, so that the personal account can be accurately determined through the identity information in the code after the identity information in the code is corresponding to the personal account. The biological information has uniqueness, and the identity information corresponding to the biological information is also unique, so that after the identity information corresponding to the biological information is corresponding to the personal account, the personal account can be accurately determined through the face identity information.
Further, the port connected with the digital currency system is also used for acquiring a digital currency payment result after the digital currency transaction process is completed; and updating the aggregate payment log after acquiring the digital currency payment result.
And the aggregate payment system updates the digital currency payment result to an aggregate payment log, so that the real-time recording of the payment process is realized.
Further, the port connected with the terminal device is further used for sending the digital currency payment result to the terminal device when updating the aggregate payment log.
After the digital currency transaction process is completed, the aggregate payment system acquires the digital currency payment result and sends the digital currency payment result to the terminal device, so that the terminal device can obtain the payment result.
Drawings
FIG. 1 is a schematic diagram of an aggregated payment opening and terminal transaction process for digital currency according to the present invention.
Detailed Description
The present invention will be described in further detail with reference to the drawings and examples, in order to make the objects, technical solutions and advantages of the present invention more apparent.
An embodiment of an aggregate payment method based on digital currency:
the aggregate payment method is implemented through the pre-established correspondence between the information of different payment media and the personal account, and when the terminal equipment identifies the different payment media, the personal account can be identified through the aggregate payment system, so that the process of docking different systems required for the payment modes of the different media is avoided, and the technical docking process of docking the corresponding systems required for the payment modes of the different media is avoided based on the payment method of the aggregate payment system, and development workload and development cost are further reduced.
The process of establishing correspondence between information of various payment media and personal accounts and the process of implementing the aggregate payment method based on the aggregate payment system of the present embodiment are included as shown in fig. 1. The specific digital currency-based aggregate payment method needs to pre-establish the corresponding relation between the information of various payment media and the personal account, namely, the personal account is constructed according to the personal real identity and is bound with the personal digital currency account, and the specific process of establishing the corresponding relation in the embodiment is as follows:
1.1 Registering personal information in the aggregate payment system according to the true identity of the individual to generate a personal account, wherein the personal account is generated according to the desensitized identity card number or the mobile phone number.
1.2 Based on different identification media, binding the personal account; through the relation correspondence between the information based on different identification media and the personal account, namely, the accurate personal account corresponding to the information of different identification media can be realized through one system, so that the development workload and the development cost are reduced; the identity recognition media are various, such as a solid card, a virtual card, a two-dimensional code, a watch, a bracelet, a human face, a fingerprint and the like. When the personal account is bound with the face (or fingerprint), the identity information of the face (or fingerprint) is corresponding to the personal account. Because the unique card identifier has no repeatability, the unique card identifier (such as a card number) of the card is corresponding to the personal account, so that the personal account can be accurately determined by the unique card identifier. When the identification medium is a code, the code contains personal identity information, and the personal identity information is unique, so that the personal account can be accurately determined through the identity information in the code after the identity information in the code is corresponding to the personal account. The biological information has uniqueness, and the identity information corresponding to the biological information is also unique, so that after the identity information corresponding to the biological information is corresponding to the personal account, the personal account can be accurately determined through the face identity information.
1.3 Personal identification information, apply for using digital currency rights to business banks, and open personal digital currency functions (various methods for signing digital currency, for example: mobile app, bank counter sign up, and third party applications interfacing with the bank); and opening the digital currency account, wherein the digital currency account and the personal account have a one-to-one correspondence (for example, a bank signing interface forms one-to-one correspondence between the personal digital currency account and the personal account, and the personal account comprises an identity card number, a school number and a mobile phone number).
Based on the established correspondence between the information of the payment medium and the personal account, the following aggregate payment method process can be realized:
2.1 The terminal equipment obtains the information of the payment medium through the payment medium; other payment modes such as card swiping, code scanning or face swiping consumption on the terminal equipment, wherein the card comprises a bank card, a CPU card, an M1 card, an NFC card, an HCE virtual card and the like; the codes comprise one-dimensional codes, two-dimensional codes and the like;
2.2 The terminal equipment generates corresponding payment request information, and uploads a terminal payment request to an aggregate payment system, wherein the payment request information comprises information of a payment medium, payment amount, payment application generation time, payment terminal information and payment request record verification information;
2.3 The aggregate payment system receives the terminal payment request, the aggregate payment system verifies whether the payment request record verification information contained in the payment request information is legal or not by analyzing the type of the payment request information, the aggregate payment system generates a verification value of the payment request information according to the information of the payment medium, the payment amount, the payment application generation time and the payment terminal information contained in the payment request information (the method for generating the payment request verification value comprises but is not limited to a CRC algorithm, a MAC algorithm and a message digest algorithm), and compares the verification value with the payment request record verification information contained in the payment request information, and if the verification value is consistent, the payment request information is considered to be legal; when the payment medium is legal and effective, analyzing the payment medium to identify the personal account;
if the payment medium is a card, the bound personal account is identified according to the physical card number or the unique card identification, if the payment medium is a code, the bound personal account is identified according to the analyzed one-dimensional code or the identity information contained in the two-dimensional code, and if the payment medium is a face, the bound personal account is identified according to the identified face identity information.
2.4 After the personal account is identified, the aggregate payment system calls a bank transaction module (namely a digital transaction interface of the digital currency system, mainly realizing business butt joint with a digital currency operator, such as identity verification, account checking and fee deduction), and after the bank transaction module completes the digital currency payment function, the aggregate payment system receives the operation result of the digital currency;
2.5 The aggregate payment system obtains the digital currency payment result, forms a transaction log and records, and organizes the returned terminal payment response data; the aggregate payment system updates the digital currency payment result to the aggregate payment log, so that the real-time recording of the payment process is realized, and the digital currency payment result is sent to the terminal device, so that the terminal device can learn the payment result.
2.6 The terminal equipment completes the transaction according to the received terminal payment response data and records the terminal log.
The aggregate payment mode of different payment media can be applied to scenes of campus cards, enterprise cards, city cards, public transportation cards and campus cards, and is corresponding to personal accounts based on information of different identification media, namely, the personal accounts can be corresponding to the information of different identification media through one system, when the terminal equipment acquires the information of different payment media, the personal accounts can be identified through the aggregate payment system, and further, the process of butting the different systems for the payment mode of different media is avoided through the aggregate payment system which is pre-established and comprises the corresponding relation between the information of different payment media and the personal accounts, and further, the development process of developing the corresponding butting system for the different payment media is reduced through the aggregate payment mode based on the different payment media, namely, the development workload and the development cost of the butting system are reduced.
An aggregated payment system embodiment based on digital currency:
the digital currency-based aggregate payment system in the embodiment comprises two ports respectively used for being connected with terminal equipment and a digital currency system, wherein the port connected with the terminal equipment is used for receiving payment request information sent by the terminal equipment; the port connected with the digital currency system is used for calling the digital currency transaction interface of the digital currency system to conduct digital currency transaction after the personal account is determined, so that an aggregate payment method based on digital currency is achieved, and the method is clear enough and is not repeated herein.
The above description is only a preferred embodiment of the present invention, and the patent protection scope of the present invention is defined by the claims, and all equivalent structural changes made by the specification and the drawings of the present invention should be included in the protection scope of the present invention.
Claims (8)
1. An aggregate payment method based on digital currency, comprising the steps of:
1) Acquiring information of a payment medium through the payment medium by a terminal device, generating corresponding payment request information and sending the corresponding payment request information to an aggregate payment system;
2) After receiving the terminal payment request information, the aggregate payment system analyzes the payment request information and confirms whether the terminal payment request information is legal or not; after the payment request information is legal, calling a digital currency transaction interface of a digital currency system to conduct digital currency transaction through the corresponding relation between the information of the pre-established payment medium and the personal account; the corresponding relation between the information of the pre-established payment medium and the personal account is established in a mode of binding the personal account based on the information of different identification media.
2. The digital currency based aggregated payment method according to claim 1, wherein in step 1), when the payment medium is a card, in step 2), the information of the payment medium is a card unique identification of the card; in the step 1), when the payment medium is a code, in the step 2), the information of the payment medium is identity information in the code; in step 1), when the payment medium is biological information, in step 2), the information of the payment medium is identity information corresponding to the biological information.
3. The aggregated payment method based on digital money according to claim 1 or 2, wherein in step 2), after the digital money transaction process is completed, the aggregated payment system obtains the digital money payment result and transmits the digital money payment result to the terminal device.
4. The digital currency-based aggregated payment method according to claim 3, wherein the aggregated payment system updates the aggregated payment log based on the obtained digital currency payment result.
5. The digital currency-based aggregate payment system comprises two ports respectively used for being connected with terminal equipment and a digital currency system, and is characterized in that the ports connected with the terminal equipment are used for receiving payment request information sent by the terminal equipment;
after receiving the payment request information, analyzing the payment request information, confirming whether the payment request information of the terminal is legal, and after the payment request information is legal, determining the personal account through the corresponding relation between the information of the pre-established payment medium and the personal account; the corresponding relation between the information of the pre-established payment medium and the personal account is established in a mode of binding the personal account based on the information of different identification media;
the port connected with the digital currency system is used for calling the digital currency transaction interface of the digital currency system to conduct digital currency transaction after the personal account is determined.
6. The digital currency based aggregated payment system according to claim 5, wherein when the identification medium is a card, the information identifying the medium is a card unique identification of the card; when the identification medium is a code, the information of the identification medium is identity information in the code; when the identification medium is biological information, the information of the identification medium is identity information corresponding to the biological information.
7. The digital currency-based aggregated payment system according to claim 5 or 6, wherein the port connected to the digital currency system is further configured to obtain digital currency payment results after the digital currency transaction process is completed; and updating the aggregate payment log after acquiring the digital currency payment result.
8. The digital currency based aggregated payment system according to claim 7, wherein the port connected to the terminal device is further configured to send digital currency payment results to the terminal device when updating the aggregated payment log.
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| CN202211700441.3A CN116245522A (en) | 2022-12-28 | 2022-12-28 | Digital currency-based aggregate payment system and method |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN117436862A (en) * | 2023-12-18 | 2024-01-23 | 成都天府通数字科技有限公司 | Transaction method, system and device adapting to two-three accounts and digital RMB |
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| CN108122098A (en) * | 2018-01-10 | 2018-06-05 | 晋商博创（北京）科技有限公司 | Digital coin systems, method of payment and terminal based on CPK |
| CN110599152A (en) * | 2019-09-02 | 2019-12-20 | 中国建设银行股份有限公司 | Aggregated payment method and system |
| CN112288419A (en) * | 2020-10-30 | 2021-01-29 | 中国工商银行股份有限公司 | Protocol determination method, device and system and electronic equipment |
| CN114169885A (en) * | 2021-11-17 | 2022-03-11 | 深圳市梦网科技发展有限公司 | Digital currency payment method, device, terminal and computer readable storage medium |
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- 2022-12-28 CN CN202211700441.3A patent/CN116245522A/en not_active Withdrawn
Patent Citations (4)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN108122098A (en) * | 2018-01-10 | 2018-06-05 | 晋商博创（北京）科技有限公司 | Digital coin systems, method of payment and terminal based on CPK |
| CN110599152A (en) * | 2019-09-02 | 2019-12-20 | 中国建设银行股份有限公司 | Aggregated payment method and system |
| CN112288419A (en) * | 2020-10-30 | 2021-01-29 | 中国工商银行股份有限公司 | Protocol determination method, device and system and electronic equipment |
| CN114169885A (en) * | 2021-11-17 | 2022-03-11 | 深圳市梦网科技发展有限公司 | Digital currency payment method, device, terminal and computer readable storage medium |
Cited By (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN117436862A (en) * | 2023-12-18 | 2024-01-23 | 成都天府通数字科技有限公司 | Transaction method, system and device adapting to two-three accounts and digital RMB |
| CN117436862B (en) * | 2023-12-18 | 2024-04-02 | 成都天府通数字科技有限公司 | Transaction method, system and device adapting to two-three accounts and digital RMB |
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