CN-122022804-A - Transaction content proving method and system for digital currency payment

Abstract

The application discloses a transaction content proving method and a transaction content proving system for digital currency payment, which relate to the technical field of blockchain payment and can solve the problems of payment experience cracking, insufficient address safety, lag in compliance processing and complex operation and easiness in error in digital currency payment. The method comprises the steps that a terminal generates a transaction trigger code, a user side analyzes the transaction trigger code and then obtains order description of the transaction, the user side receives a payment address and payment currency input by the user and then sends a payment address obtaining request to a bill service side, the request comprises payment information, the payment information comprises an order mark, a payment address, payment currency, a blockchain network type and constraint conditions, the bill service side dynamically generates a payment address according to the payment information, the user side receives the payment address and then triggers risk assessment of the transaction, and after the risk assessment is confirmed to pass, authorization verification of the transaction is conducted, and the transaction information is broadcasted to a target blockchain network.

Inventors

• XIA KAI
• ZOU WEIWEI

Assignees

• 泰恩实业(深圳)有限公司

Dates

Publication Date

20260512

Application Date

20260105

Claims (10)

1. 1. A digital currency payment oriented transaction content proving method, the method comprising: the terminal generates a transaction trigger code; after the user side analyzes the transaction trigger code, acquiring order description of the transaction, wherein the order description comprises merchant information, legal coin amount and legal coin type; After receiving a payment address and a payment currency input by a user based on the order description, the user side sends a collection address acquisition request to a receipt server side, wherein the collection address acquisition request comprises payment information, and the payment information comprises an order identifier, a payment address, the payment currency, a blockchain network type and constraint conditions; The order receiving server dynamically generates a collection address according to the payment information and sends the collection address to the user terminal; and triggering risk assessment of the transaction after the user receives the collection address, and after the risk assessment is confirmed to pass, carrying out transaction authorization verification and broadcasting the transaction information to a target blockchain network.
2. 2. The method of claim 1, wherein the transaction initiation code comprises a two-dimensional code or an NFC tag, and the terminal generates the transaction initiation code comprising: the terminal receives the legal coin amount and the legal coin type input by the cashier; the terminal sends the legal coin amount, the legal coin type and merchant information associated with the terminal to the receipt server; The order receiving server generates a corresponding order mark according to the legal coin amount, the legal coin type and the merchant information and the terminal address; The order receiving server side sends the order identification and the access entrance address of the order receiving server side to the terminal; And the terminal encodes the order identifier and the entrance address to form the transaction trigger code.
3. 3. The method of claim 2, wherein the obtaining the order description of the present transaction after the user terminal parses the transaction trigger code includes: The user side uses a digital currency wallet application program or uses web service in the application program to analyze the transaction trigger code and then obtains the order mark and the entrance address; the user side sends an order information acquisition request to the entry address based on the application program, and the order information acquisition request is used for requesting an order description corresponding to the order identifier; And the order receiving server returns the order description to the user side.
4. 4. The method of claim 1, wherein after the user receives the checkout address, the method further comprises: The digital currency wallet application program interface of the user side displays the abstract of the transaction information, and automatically triggers the risk assessment of the transaction after receiving the confirmation information input by the user; Wherein the application interface prohibits copying the payee address.
5. 5. The method of claim 4, wherein automatically triggering risk assessment of the present transaction comprises: After receiving confirmation information input by a user, the user automatically invokes a local risk assessment engine to carry out real-time risk assessment on the payment information; Or after receiving the confirmation information input by the user, the user terminal automatically sends a transaction risk assessment request to the order receiving server terminal, and after receiving the transaction risk assessment request, the order receiving server terminal invokes a risk assessment engine to conduct real-time risk assessment on the payment information.
6. 6. The method of claim 5, wherein the invoking a risk assessment engine to perform real-time risk assessment on the payment information comprises: invoking a KYT engine to evaluate the asset and the behavior risk of the payer according to the payment address to obtain a KYT evaluation result; and if the KYT evaluation result indicates that the evaluation passes and the money amount is larger than a preset supervision threshold, invoking a KYT engine to verify real-name information of the payer, and obtaining a risk evaluation result.
7. 7. The method of claim 1, wherein the performing the current transaction authorization verification after determining that the risk assessment is passed and broadcasting the current transaction information to the target blockchain network comprises: After the risk assessment is determined to pass, the user side starts password payment authorization verification or biometric identification payment authorization verification, signs the transaction data by using a private key corresponding to a payment address, generates a transaction signature, and broadcasts the transaction signature to a target blockchain network.
8. 8. The method of claim 7, wherein after broadcasting the transaction signature to a target blockchain network, the method further comprises: The order receiving server encapsulates the transaction data into a structured data body, signs the structured data body by using a private key, and generates a transaction fact package; The transaction fact package is stored on a blockchain or stored on a private ledger network commonly maintained by a plurality of trusted authorities or pushed to a data receiving system designated by a regulatory agency.
9. 9. The method of claim 1, wherein the constraints include a validity period of the payee address, a whitelist of payment addresses bound to the payee address, a legal amount threshold, and a number of validity times of the payee address.
10. 10. The transaction content proving system for digital currency payment is characterized by comprising a terminal, a user side and a receipt service side; the terminal is used for generating a transaction trigger code; the user side is used for acquiring order description of the transaction after analyzing the transaction trigger code, wherein the order description comprises merchant information, legal coin amount and legal coin type; The user side is further configured to send a payment address acquisition request to the order receiving server side after receiving a payment address and a payment currency input by a user based on the order description, where the payment address acquisition request includes payment information, and the payment information includes an order identifier, a payment address, a payment currency, a blockchain network type, and constraint conditions; the receipt service end is used for dynamically generating a receipt address according to the payment information and sending the receipt address to the user end; The user side is used for triggering the risk assessment of the transaction after receiving the collection address, carrying out the transaction authorization verification after determining that the risk assessment is passed, and broadcasting the transaction information to a target blockchain network.

Description

Transaction content proving method and system for digital currency payment Technical Field The application relates to the technical field of blockchain payment, in particular to a transaction content proving method and system for digital currency payment. Background With the popularization of digital currency payment in business scenes, a blockchain-based payment method is gradually applied to various terminals. Digital money payment refers to a payment method using digital money based on blockchain technology for value transfer to complete commodity, service or debt settlement. Current digital currency payments are typically interacted by consumers and merchants through intelligent terminals (e.g., POS), involving the steps of legal currency amount input, digital currency type selection, cash register acquisition and validation, transaction broadcasting, and subsequent uplink and compliance processing. However, the existing digital currency payment still has the problems of split payment experience, insufficient address security, lag in compliance processing, complex operation, easy error and the like. Disclosure of Invention The application provides a transaction content proving method and a transaction content proving system for digital currency payment, which can solve the problems of payment experience cracking, insufficient address safety, lag in compliance processing and complex operation and easy error in digital currency payment. In order to solve the problems, the application provides the following technical scheme: In a first aspect of the embodiment of the present application, there is provided a transaction content proving method for digital currency payment, the method including: the terminal generates a transaction trigger code; after the user side analyzes the transaction trigger code, acquiring order description of the transaction, wherein the order description comprises merchant information, legal coin amount and legal coin type; After receiving a payment address and a payment currency input by a user based on the order description, the user side sends a collection address acquisition request to a receipt server side, wherein the collection address acquisition request comprises payment information, and the payment information comprises an order identifier, a payment address, the payment currency, a blockchain network type and constraint conditions; The order receiving server dynamically generates a collection address according to the payment information and sends the collection address to the user terminal; and triggering risk assessment of the transaction after the user receives the collection address, and after the risk assessment is confirmed to pass, carrying out transaction authorization verification and broadcasting the transaction information to a target blockchain network. As a possible implementation manner, the transaction trigger code includes a two-dimensional code or an NFC tag, and the terminal generates the transaction trigger code, including: the terminal receives the legal coin amount and the legal coin type input by the cashier; the terminal sends the legal coin amount, the legal coin type and merchant information associated with the terminal to the receipt server; The order receiving server generates a corresponding order mark according to the legal coin amount, the legal coin type and the merchant information and the terminal address; The order receiving server side sends the order identification and the access entrance address of the order receiving server side to the terminal; And the terminal encodes the order identifier and the entrance address to form the transaction trigger code. As a possible implementation manner, after the user side analyzes the transaction trigger code, the method obtains an order description of the transaction, including: The user side uses a digital currency wallet application program or uses web service in the application program to analyze the transaction trigger code and then obtains the order mark and the entrance address; the user side sends an order information acquisition request to the entry address based on the application program, and the order information acquisition request is used for requesting an order description corresponding to the order identifier; And the order receiving server returns the order description to the user side. As a possible implementation manner, after the user receives the payment address, the method further includes: The digital currency wallet application program interface of the user side displays the abstract of the transaction information, and automatically triggers the risk assessment of the transaction after receiving the confirmation information input by the user; Wherein the application interface prohibits copying the payee address. As a possible implementation manner, the automatic triggering of risk assessment of the present transaction includes: After receiving confirmation information input by