CN-114186997-B - Digital currency payment method and device

CN114186997BCN 114186997 BCN114186997 BCN 114186997BCN-114186997-B

Abstract

The invention discloses a digital currency payment method and device, and relates to the technical field of computers. The method comprises the steps of establishing a first communication connection between a digital currency wallet and a receiving terminal in a charging beginning stage, performing entry registration operation, namely receiving and storing entry information required by charging beginning sent by the receiving terminal by the digital currency wallet, establishing a second communication connection between the digital currency wallet and the receiving terminal in a charging ending stage, and completing exit deduction operation, namely transmitting the entry information to the receiving terminal by the digital currency wallet so as to calculate the receiving amount according to the entry information and the exit information required by charging ending by the receiving terminal, receiving the receiving amount returned by the receiving terminal by the digital currency wallet, and performing digital currency balance deduction according to the receiving amount. This embodiment can provide an implementation of extended consumer payments in digital currency, such that rapid payments can be made using digital currency in a non-one-time payment scenario.

Inventors

DI GANG
Mu changchun
ZHAO XINYU
YAN JIANLI
Cui Peidong
CHEN SONG

Assignees

中国人民银行数字货币研究所

Dates

Publication Date: 20260508
Application Date: 20211122

Claims (18)

1. A digital money payment method, comprising: In the charging beginning stage, the digital currency wallet and the charging terminal are connected in a first communication mode, and entrance registration operation is carried out under the condition that the charging terminal reads the record of the last payment entrance completion state and the record of the last exit completion state, wherein the entrance registration operation comprises the steps of receiving and storing entrance information required by charging beginning sent by the charging terminal by the digital currency wallet; The digital currency wallet transmits the deposit information to the collection terminal so as to calculate the collection amount according to the deposit information and the deposit information required by the charge end, and the digital currency wallet receives the collection amount returned by the collection terminal and executes digital currency balance deduction according to the collection amount; And in the charging ending stage, the digital currency wallet also receives and stores the departure information returned by the receiving terminal, generates payment information according to the departure information, the receiving amount and the balance deduction result, and sends the payment information to the receiving terminal so that the receiving terminal can upload the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for checking.
2. The method of claim 1, wherein the entry registration operation further comprises performing a first two-way identity authentication with the recipient terminal and determining that the first two-way identity authentication passed, and wherein the exit deduction operation further comprises performing a second two-way identity authentication with the recipient terminal and determining that the second two-way identity authentication passed.
3. The method of claim 2, wherein the digital money wallet performing the first or second two-way authentication with the collection terminal comprises: The digital currency wallet receives an authentication request of the receiving terminal and sends a first public key certificate of the digital currency wallet and a first random number to the receiving terminal, wherein the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by the digital currency wallet; The digital currency wallet receives a first random number signature and a second random number sent by the receiving terminal, wherein the first random number signature is obtained by the receiving terminal signing the first random number by using a private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal; And the digital currency wallet verifies the first random number signature by using a public key in the second public key certificate, signs the second random number by using a private key corresponding to the first public key certificate after the verification is passed, obtains a second random number signature, and sends the second random number signature to the receiving terminal for verification.
4. The method of claim 3, wherein the entry information is transmitted to the digital money purse by the collection terminal in synchronization with the first random number signature in the entry registration operation, and/or In the outgoing payment operation, the incoming message and the second random number signature are sent by the digital money Bao Tongbu to the collection terminal.
5. The method of claim 1, wherein the digital money wallet establishes the first communication connection or the second communication connection with the collection terminal based on any of DSRC, NFC, bluetooth, wiFi.
6. The method of claim 1, wherein the digital money wallet writes the entry information or the exit information to an application file in the digital money wallet according to a file writing instruction issued by the collection terminal to store the entry information or the exit information.
7. The method of claim 1, wherein the digital money wallet stores the entrance information or the exit information received from the collection terminal according to a dedicated transaction instruction or an application extension instruction issued by the collection terminal.
8. A digital money payment method, comprising: The method comprises the steps of establishing a first communication connection between a receiving terminal and a digital currency wallet at a charging start stage, reading records of an entry completion state and an exit completion state of last payment, and executing an entry registration process, wherein the entry registration process comprises the steps that the receiving terminal sends entry information required for charging start to the digital currency wallet, and if only the records of the entry completion state are read and the corresponding records of the exit completion state are not read, carrying out exit receiving operation according to preset exit information before the entry registration operation; in the charging ending stage, the receiving terminal establishes a second communication connection with the digital currency wallet and executes a leaving and receiving process, wherein the leaving and receiving process comprises the steps of receiving the entering information transmitted by the digital currency wallet, calculating a receiving amount according to the entering information and the leaving information required by charging ending, and returning the receiving amount to the digital currency wallet so as to execute digital currency balance deduction according to the receiving amount by the digital currency wallet; And in the charging ending stage, the charging terminal also returns the presence information and the balance deduction result to the digital currency wallet so as to generate payment information according to the presence information, the charging amount and the balance deduction result by the digital currency wallet, and after receiving the payment information sent by the digital currency wallet, the charging terminal uploads the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for checking.
9. The method of claim 8, wherein the entry registration process further comprises performing a first two-way identity authentication with the digital money wallet and determining that the first two-way identity authentication passed, and wherein the exit collection process further comprises performing a second two-way identity authentication with the digital money wallet and determining that the second two-way identity authentication passed.
10. The method of claim 9, wherein the first or second two-way authentication with the digital money wallet by the collection terminal comprises: The method comprises the steps that the receiving terminal sends an authentication request to the digital currency wallet, and receives a first public key certificate and a first random number of the digital currency wallet, wherein the first public key certificate and the first random number are sent by the digital currency wallet, the authentication request comprises a second public key certificate of the receiving terminal, and the first random number is generated by the digital currency wallet; the receiving terminal signs the first random number by using a private key corresponding to the second public key certificate to obtain a first random number signature, and sends the first random number signature and a second random number to the digital currency wallet, wherein the second random number is generated by the receiving terminal; the receiving terminal receives a second random number signature sent by the digital currency wallet, and verifies the second random number signature by using a public key in the first public key certificate, wherein the second random number signature is obtained by signing the second random number by the digital currency wallet by using a private key corresponding to the first public key certificate.
11. The method of claim 10, wherein in the entry registration process, the entry information is sent to the digital money purse by the collection terminal in synchronization with the first random number signature; In the departure and collection process, the entry information and the second random number signature are sent by the digital money Bao Tongbu to the collection terminal.
12. The method of claim 8, wherein the checkout terminal establishes the first communication connection or the second communication connection with the digital money wallet based on any of DSRC, NFC, bluetooth, wiFi.
13. The method of claim 8, wherein the checkout terminal writes the entry information or the exit information to an application file in the digital money wallet by a file write instruction to store the entry information or the exit information by the digital money wallet.
14. The method of claim 8, wherein the checkout terminal communicates the entry information or the exit information to the digital money wallet via a dedicated transaction instruction or an application extension instruction to store the entry information or the exit information by the digital money wallet.
15. A digital money payment device, disposed in a digital money wallet, the device comprising: The system comprises a charging terminal, an entrance registration operation module, a first communication module and a second communication module, wherein the charging terminal is used for establishing a first communication connection with the charging terminal in a charging starting stage, and performing entrance registration operation under the condition that the charging terminal reads the record of the last payment entrance completion state and the record of the exit completion state, and the entrance registration operation comprises receiving and storing entrance information required by charging starting sent by the charging terminal; The withdrawal operation module is used for establishing second communication connection with the collection terminal and completing withdrawal operation at the charging end stage, wherein the withdrawal operation comprises the steps of transmitting the deposit information to the collection terminal, calculating collection amount by the collection terminal according to the deposit information and the withdrawal information required by charging end, receiving the collection amount returned by the collection terminal, and executing digital currency balance deduction according to the collection amount; The outgoing deduction operation module is also used for: and in the charging ending stage, receiving and storing the departure information returned by the receiving terminal, generating payment information according to the departure information, the receiving amount and the balance deduction result, and sending the payment information to the receiving terminal so that the receiving terminal can upload the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for checking.
16. A digital money payment device, characterized by being provided in a cash receiving terminal, the device comprising: The system comprises an admission registration execution module, an admission registration process and a digital currency wallet, wherein the admission registration execution module is used for establishing a first communication connection with the digital currency wallet at the beginning of charging and reading records of the last payment admission completion state and the last payment admission completion state; the ex-office cash collection execution module is used for establishing second communication connection with the digital currency wallet at the charging ending stage and executing an ex-office cash collection flow, wherein the ex-office cash collection flow comprises the steps of receiving the incoming information transmitted by the digital currency wallet, calculating a cash collection amount according to the incoming information and the ex-office information required by charging ending, and returning the cash collection amount to the digital currency wallet so as to execute digital currency balance deduction according to the cash collection amount by the digital currency wallet; the cashing execution module is also used for returning the cashing information and the balance deduction result to the digital currency wallet at the charging ending stage so as to generate payment information by the digital currency wallet according to the cashing information, the cashing amount and the balance deduction result, and uploading the payment information to an operation mechanism background system of the digital currency in real time or asynchronously for checking after receiving the payment information sent by the digital currency wallet.
17. An electronic device, comprising: One or more processors; A memory for storing one or more programs, The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-14.
18. A computer readable medium, on which a computer program is stored, which computer program, when being executed by a processor, implements the method according to any of claims 1-14.

Description

Digital currency payment method and device Technical Field The present invention relates to the field of computer technologies, and in particular, to a digital currency payment method and apparatus. Background The digital currency transaction of the present disclosure takes care of one-time payment, such as market/supermarket shopping payment, subway ticket payment, etc., but for non-one-time payment (which may be referred to as extended consumption) scenarios, such as bus/subway section swiping, parking lot timing payment, shared bicycle payment, high-speed no-stop payment, etc., there is no unified payment scheme. In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art: an implementation of extended consumer payments lacking digital currency cannot use digital currency for fast payments in non-one-time pay scenarios. Disclosure of Invention In view of this, the embodiments of the present invention provide a digital currency payment method and apparatus, which can provide an implementation scheme of extended consumption payment of digital currency, so that quick payment can be performed using digital currency in a non-disposable payment scenario. To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a digital money payment method. A digital currency payment method comprises the steps of establishing a first communication connection between a digital currency wallet and a receiving terminal in a charging beginning stage, and performing an entrance registration operation, wherein the entrance registration operation comprises the steps of receiving and storing entrance information required by charging beginning sent by the receiving terminal by the digital currency wallet, establishing a second communication connection between the digital currency wallet and the receiving terminal in a charging ending stage, and completing a withdrawal operation, and the withdrawal operation comprises the steps of transmitting the entrance information to the receiving terminal by the digital currency wallet so as to calculate a receiving amount according to the entrance information and the exit information required by charging ending by the receiving terminal, receiving the receiving amount returned by the receiving terminal by the digital currency wallet, and performing digital currency balance deduction according to the receiving amount. Optionally, the deposit registration operation further includes performing a first two-way identity authentication with the receiving terminal and determining that the first two-way identity authentication passes, and the exit deduction operation further includes performing a second two-way identity authentication with the receiving terminal and determining that the second two-way identity authentication passes. Optionally, the digital currency wallet performs the first bidirectional identity authentication or the second bidirectional identity authentication with the receiving terminal, the digital currency wallet receives an authentication request of the receiving terminal and sends a first public key certificate and a first random number of the digital currency wallet to the receiving terminal, the authentication request comprises a second public key certificate of the receiving terminal, the first random number is generated by the digital currency wallet, the digital currency wallet receives a first random number signature and a second random number sent by the receiving terminal, the first random number signature is obtained by the receiving terminal signing the first random number by using a private key corresponding to the second public key certificate, the second random number is generated by the receiving terminal, the digital currency wallet verifies the first random number signature by using a public key in the second public key certificate, after verification is passed, the second random number signature is obtained by using a private key corresponding to the first public key certificate, and the receiving terminal verifies the second random number signature. Optionally, the entry information and the first random number signature are sent by the receiving terminal to the digital money purse in synchronization with the entry registration operation, and/or the entry information and the second random number signature are sent by the digital money Bao Tongbu to the receiving terminal in the exit deduction operation. Optionally, the digital money wallet establishes the first communication connection or the second communication connection with the receiving terminal based on any one of DSRC (DEDICATED SHORT RANGE COMMUNICATIONS, dedicated short range communication technology), NFC (near field communication), bluetooth, wiFi (WIRELESS FIDELITY ). Optionally, in the charging ending stage, the digital currency wallet further receives and stores the dep