阅读说明：本技术 数字货币钱包生成方法、数字货币支付方法、装置和系统 (Digital currency wallet generation method, digital currency payment method, device and system ) 是由 穆长春 狄刚 赵新宇 于鹏 崔沛东 于 2021-07-23 设计创作，主要内容包括：本公开实施例公开了数字货币钱包生成方法、数字货币支付方法、装置和系统。该生成方法的一具体实施方式包括：响应于接收到用户发出的用于生成数字货币钱包的生成指令,获取用于创建数字货币钱包的用户信息；将根据预设密钥生成方法生成的密钥对的公钥和用户信息发送给预设钱包服务商对应的第一服务端,以使第一服务端基于公钥和用户信息向数字货币发行登记机构对应的第二服务端执行注册数字货币钱包的注册操作；根据接收到的第一服务端基于注册操作发送的用于创建数字货币钱包的创建信息,创建数字货币钱包。安装在终端设备中的该数字货币钱包可以被安装在同一终端设备中的其他应用调用,以实现数字货币支付,可以改善用户体验。(The embodiment of the disclosure discloses a digital currency wallet generation method, a digital currency payment method, a device and a system. One specific embodiment of the generation method comprises: acquiring user information for creating a digital money wallet in response to receiving a generation instruction issued by a user to generate the digital money wallet; sending a public key of a key pair generated according to a preset key generation method and user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering organization based on the public key and the user information; and creating the digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and is used for creating the digital money wallet. The digital currency wallet installed in the terminal device may be invoked by other applications installed in the same terminal device to enable digital currency payment, which may improve user experience.)

1. A method for generating a digital money wallet, applied to a digital money wallet application, comprising:

acquiring user information for creating a digital money wallet in response to receiving a generation instruction issued by a user to generate the digital money wallet;

sending a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering mechanism based on the public key and the user information;

creating a digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet; the creation information includes a wallet identification, a digital certificate for effecting digital currency transactions.

2. The method of claim 1, wherein the digital currency wallet application displays a first control therein indicating activation of a digital currency wallet; and

the acquiring, in response to receiving a generation instruction issued by a user to generate a digital money wallet, user information for creating the digital money wallet includes:

and acquiring the user information in response to receiving a first preset operation executed by a user on the first control.

3. The method according to claim 1 or 2, wherein the user information comprises: identity information of a terminal device on which the digital currency wallet application runs and/or identity information of a SIM card, or user account information, user biometric information, and user business registration information.

4. The method according to claim 3, wherein in the case where the user information includes identity information of a terminal device on which a digital money wallet application is running and/or identity information of a SIM card, the acquiring user information for creating a digital money wallet comprises:

acquiring identity information of a terminal device and/or identity information of an SIM card on which the digital currency wallet application runs; and

the sending a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet facilitator so that the first service end performs a registration operation of registering the digital money wallet to a second service end corresponding to a digital money issuing and registering institution based on the public key and the user information, includes:

and sending the public key and the identity information of the terminal equipment and/or the identity information of the SIM card to the first service end, so that the first service end executes the registration operation to the second service end according to the public key and the identity information of the terminal equipment and/or the identity information of the SIM card.

5. The method of claim 4, wherein prior to obtaining identity information of a SIM card on which the digital money wallet application is running, the method further comprises:

displaying, in a page of the digital money wallet application, a second control for a user to authorize the digital money wallet application to obtain SIM card identity information;

responding to a second preset operation executed by the user on the second control, and sending a request for acquiring identity information of the SIM card to the SIM card operator; and

obtaining identity information of a SIM card on which the digital currency wallet application is running, comprising:

and acquiring the identity information of the SIM card according to feedback information returned by the SIM card operator based on the request.

6. The method of claim 1, wherein the first server performs a registration operation for registering the digital money wallet with a second server corresponding to a digital money issuance registration authority based on the public key and the user information, and comprises:

the first server determines whether a digital money wallet matched with the user information is generated;

and the first service end executes the registration operation of registering the digital money wallet to a second service end corresponding to the digital money issuing and registering mechanism based on the public key and the user information under the condition that the first service end determines that the digital money wallet matched with the user information is not generated.

7. The method of claim 1, wherein the registering comprises:

the first server generates a wallet identifier according to the public key, and sends the wallet identifier and the public key to the second server;

the first server receives a digital certificate generated by the second server according to the public key and the wallet identifier, and sends a registration request to the second server based on the digital certificate;

and the first service end receives contract information returned by the second service end according to the registration request and sends the creation information to the digital money wallet application.

8. The method of claim 1,

after the digital money wallet is created according to the received creation information for creating the digital money wallet, which is sent by the first service terminal based on the registration operation, the method further includes:

and the digital currency wallet application receives a payment password input by a user and binds the payment password with the digital certificate.

9. A digital currency payment method is applied to a terminal device, wherein a first application and a digital currency wallet application are installed in the terminal device, and the method is characterized by comprising the following steps:

the first application responds to a first payment request initiated in the first application by a user, and sends payment information for generating a digital currency payment request to a first application server;

the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to a preset interface, and sends the second payment request to the digital currency wallet application;

the digital money wallet application sends a digital money transfer request to a first server corresponding to a preset wallet service provider based on the second payment request, so that the first server executes digital money transfer operation to a second server corresponding to a digital money issuing and registering mechanism to realize digital money transfer; wherein

The digital money wallet application comprising therein a first digital money wallet created according to the method of any one of claims 1-8.

10. The method of claim 9, wherein the digital money wallet application sending a digital money transfer request to a first server corresponding to a pre-set wallet service based on the second payment request comprises:

the digital currency wallet application, in response to receiving the second payment request, displaying a third control for prompting a user for payment authorization;

the digital money wallet application sends the digital money transfer request to the first server in response to receiving a preset operation performed by a user on the third control to indicate payment authorization, wherein the digital money transfer request comprises a payment amount and a wallet identification of a second digital money wallet receiving the payment amount.

11. The method of claim 10, wherein the preset operation for indicating payment authorization comprises entering a preset password for authorization in the third control; and the preset password is pre-bound with the digital certificate corresponding to the first digital currency wallet.

12. The method of claim 10, wherein the digital money wallet application sending a digital money transfer request to a first server corresponding to a pre-set wallet service based on the second payment request comprises:

the digital currency wallet application determines whether the payment amount corresponding to the second payment request is accurate;

and the digital money wallet application sends the digital money transfer request to a first server corresponding to a preset wallet service provider under the condition that the payment amount corresponding to the second payment request is determined to be accurate.

13. The method of claim 10, wherein the digital money transfer operation comprises:

the first server sending the digital money transfer request to the second server to cause the second server to transfer the payment amount from the first digital money wallet to the second digital money wallet;

and in response to receiving the transfer feedback information returned by the second server and used for indicating that the payment amount is successfully transferred to the second digital money wallet, ending the digital money transfer operation.

14. The method of claim 10, further comprising:

after the digital money wallet application receives feedback information which is sent by the first server and used for prompting that the digital money transfer is successful, the digital money transfer operation is ended; and calling back the first application through a preset interface, and sending the digital money transfer record corresponding to the digital money transfer operation to the first application.

15. The method of claim 14, wherein the second digital money wallet is a digital money wallet corresponding to the first application; and

after the digital money wallet application finishes the digital money transfer operation, calls back the first application through a preset interface, and sends a digital money transfer record corresponding to the digital money transfer operation to the first application, the method further comprises the following steps:

the first application sends payment confirmation information to a first application server to indicate the first application server to confirm whether the second digital money wallet receives a payment amount corresponding to the digital money transfer;

and the first application ends the payment operation under the condition that the confirmation result returned by the first application server side is yes.

16. A generation device of a digital money wallet is applied to a digital money wallet application, and comprises:

an acquisition unit configured to acquire user information for creating a digital money wallet in response to receiving a generation instruction issued by a user to generate the digital money wallet;

a sending unit, configured to send a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet facilitator, so that the first service end performs a registration operation of registering a digital money wallet to a second service end corresponding to a digital money issuance registration authority based on the public key and the user information;

a creating unit configured to create a digital money wallet based on received creation information for creating a digital money wallet transmitted by the first service terminal based on the registration operation; the creation information includes a wallet identification, a digital certificate for effecting digital currency transactions.

17. A digital currency payment system, comprising: a first application, a digital currency wallet application, a first application server, a first server corresponding to a pre-set wallet service provider, a second server corresponding to a digital currency issuing and registering authority,

the first application responds to a first payment request initiated by a user in the first application, and sends payment information for generating a digital currency payment request to the first application server;

the first application server side generates a second payment request according to the received payment information and sends the second payment request to the first application;

the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to a preset interface, and sends the second payment request to the digital currency wallet application;

the digital money wallet application sending a digital money transfer request to the first server based on the payment request; the digital money transfer request comprises an identification of the digital money wallet of the receiving user, a payment amount and an identification of the digital money wallet of the paying user;

the first server side executes digital money transfer operation to the second server side according to the digital money transfer request so as to realize digital money transfer; wherein

Included in the digital money wallet application is a first digital money wallet created according to the apparatus of claim 16.

18. An electronic device, comprising:

one or more processors;

a storage device for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement a method as claimed in any one of claims 1-8, or to implement a method as claimed in any one of claims 9-15.

19. A computer-readable medium, on which a computer program is stored which, when being executed by a processor, carries out the method of any one of claims 1 to 8, or carries out the method of any one of claims 9 to 15.

Technical Field

The present disclosure relates to the field of computer technologies, and in particular, to a digital money wallet generating method, a digital money payment method, an apparatus, and a system.

Background

Digital currency is legal currency represented by a series of character strings in which the security of the digital currency is protected by cryptographic algorithms. As a digitalized form of the RMB, the digital currency can be issued by a central bank (a central bank for short) or authorized by the central bank, participates in operation by a designated operation organization and is exchanged to the public, a loose coupling function of a bank account is supported on the basis of a generalized account system, and the controllable anonymous payment tool is equivalent to paper money and coins and has value characteristics and compensation.

The central bank digital currency is used as a digital carrier of legal currency, and one of important targets is to solve the problems of high cost and inconvenience in carrying of the existing banknote and coin printing and issuing. Nowadays, smart devices have been developed at a high speed and widely popularized, and mobile communication devices, which are represented by smart devices, have become an indispensable part of daily activities of people, and have the characteristic of portability.

The digital currency wallet may be a carrier of digital currency. In the related art, an application of a digital money issuer or an application of a digital wallet facilitator is installed in a terminal device to support payment of digital money.

In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:

the digital currency wallet is poor in usability and convenience, interfaces and interaction capacity of various digital currency wallets need to be compatible when digital currency payment is carried out, development difficulty is high, and maintenance cost is high.

Disclosure of Invention

This disclosure is provided to introduce concepts in a simplified form that are further described below in the detailed description. This disclosure is not intended to identify key features or essential features of the claimed subject matter, nor is it intended to be used to limit the scope of the claimed subject matter.

The embodiment of the disclosure provides a digital currency wallet generation method, a digital currency payment method, a device and a system, which can create a digital currency wallet corresponding to user information, improve the usability and payment convenience of the digital currency wallet, and enable the digital currency wallet to be called by other applications installed in the same terminal device, so that a plurality of applications share the same digital currency wallet application to carry out digital currency payment.

In a first aspect, an embodiment of the present disclosure provides a method for generating a digital money wallet, which is applied to a terminal device, and the method includes: the digital money wallet application acquires user information for creating a digital money wallet in response to receiving a generation instruction issued by a user to generate the digital money wallet; the digital currency wallet application sends a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs a registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering organization based on the public key and the user information; the digital money wallet application creates a digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet; the creation information includes a wallet identification, a digital certificate for effecting digital currency transactions.

In a second aspect, an embodiment of the present disclosure provides a digital currency payment method, which is applied to a terminal device, where a first application and a digital currency wallet application are installed in the terminal device; the method comprises the following steps: the first application responds to a first payment request initiated in the first application by a user, and sends payment information for generating a digital currency payment request to a first application server; the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to a preset interface, and sends the second payment request to the digital currency wallet application; the digital money wallet application sends a digital money transfer request to a first server corresponding to a preset wallet service provider based on the second payment request so that the first server can execute digital money transfer operation to a second server corresponding to a digital money issuing and registering mechanism to realize digital money transfer; wherein the digital money wallet application comprises a first digital money wallet created according to the method of the first aspect.

In a third aspect, an embodiment of the present disclosure provides an apparatus for generating a digital money wallet, applied to a terminal device, including: an acquisition unit configured to acquire user information for creating a digital money wallet in response to receiving a generation instruction issued by a user to generate the digital money wallet; a sending unit, configured to send a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet facilitator, so that the first service end performs a registration operation of registering a digital money wallet to a second service end corresponding to a digital money issuance registration authority based on the public key and the user information; a creating unit configured to create a digital money wallet based on received creation information for creating a digital money wallet transmitted by the first service terminal based on the registration operation; the creation information includes a wallet identification, a digital certificate for effecting digital currency transactions.

In a fourth aspect, the disclosed embodiment provides a digital currency payment system, including a first application, a digital currency wallet application, a first application server, a first server corresponding to a preset wallet service provider, and a second server corresponding to a digital currency issuance registration authority, where the first application responds to a first payment request initiated by a user in the first application, and sends payment information for generating a digital currency payment request to the first application server; the first application server side generates a second payment request according to the received payment information and sends the second payment request to the first application; the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to a preset interface, and sends the second payment request to the digital currency wallet application; the digital money wallet application sending a digital money transfer request to the first server based on the payment request; the digital money transfer request comprises a payment amount, a wallet identification of a second digital money wallet receiving the payment amount; the first server side executes digital money transfer operation to the second server side according to the digital money transfer request so as to realize digital money transfer; wherein the digital money wallet application comprises a first digital money wallet created according to the apparatus of the third aspect.

In a fifth aspect, an embodiment of the present disclosure provides an electronic device, including: one or more processors; storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to carry out the method of generating a digital money wallet as described in the first aspect or the method of paying digital money as described in the second aspect.

In a sixth aspect, the disclosed embodiments provide a computer readable medium having stored thereon a computer program which, when executed by a processor, implements a method of generating a digital money wallet as described in the first aspect, or a method of payment in digital money as described in the second aspect.

According to the digital currency wallet generating method, the digital currency payment method, the device and the system, the digital currency wallet application is used for responding to the received generating instruction sent by the user for generating the digital currency wallet, and the user information for creating the digital currency wallet is acquired; the digital currency wallet application sends a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs a registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering organization based on the public key and the user information; the digital money wallet application creates a digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet; the creation information includes wallet identification and a digital certificate for realizing digital currency transaction, a digital currency wallet corresponding to the user information can be created, the digital currency wallet installed in the terminal device can be called by other applications installed in the same terminal device to realize digital currency payment, and user experience can be improved.

Drawings

The above and other features, advantages and aspects of various embodiments of the present disclosure will become more apparent by referring to the following detailed description when taken in conjunction with the accompanying drawings. Throughout the drawings, the same or similar reference numbers refer to the same or similar elements. It should be understood that the drawings are schematic and that elements and features are not necessarily drawn to scale.

Figure 1 is a flow diagram of some embodiments of a digital currency wallet generation method according to the present disclosure;

figure 2 is a flow diagram of still further embodiments of a digital money wallet generation method according to the present disclosure;

FIG. 3 is a schematic interaction diagram of a method of generating a digital currency wallet according to the present disclosure;

FIG. 4 is a flow chart of some embodiments of a digital currency payment method of the present disclosure;

FIG. 5 is a schematic diagram of a principal interaction of a digital currency payment method according to the present disclosure;

figure 6 is a schematic structural diagram of some embodiments of a digital money wallet generation apparatus according to the present disclosure;

fig. 7 is an exemplary system architecture to which a digital currency wallet generation method or a digital currency payment method provided according to an embodiment of the present disclosure may be applied;

fig. 8 is a schematic diagram of a basic structure of an electronic device provided according to an embodiment of the present disclosure.

Detailed Description

Embodiments of the present disclosure will be described in more detail below with reference to the accompanying drawings. While certain embodiments of the present disclosure are shown in the drawings, it is to be understood that the present disclosure may be embodied in various forms and should not be construed as limited to the embodiments set forth herein, but rather are provided for a more thorough and complete understanding of the present disclosure. It should be understood that the drawings and embodiments of the disclosure are for illustration purposes only and are not intended to limit the scope of the disclosure.

It should be understood that the various steps recited in the method embodiments of the present disclosure may be performed in a different order, and/or performed in parallel. Moreover, method embodiments may include additional steps and/or omit performing the illustrated steps. The scope of the present disclosure is not limited in this respect.

The term "include" and variations thereof as used herein are open-ended, i.e., "including but not limited to". The term "based on" is "based, at least in part, on". The term "one embodiment" means "at least one embodiment"; the term "another embodiment" means "at least one additional embodiment"; the term "some embodiments" means "at least some embodiments". Relevant definitions for other terms will be given in the following description.

It should be noted that the terms "first", "second", and the like in the present disclosure are only used for distinguishing different devices, modules or units, and are not used for limiting the order or interdependence relationship of the functions performed by the devices, modules or units.

It is noted that references to "a", "an", and "the" modifications in this disclosure are intended to be illustrative rather than limiting, and that those skilled in the art will recognize that "one or more" may be used unless the context clearly dictates otherwise.

The names of messages or information exchanged between devices in the embodiments of the present disclosure are for illustrative purposes only, and are not intended to limit the scope of the messages or information.

In the related art, a terminal device is provided with a digital currency issuing and registering authority application or a wallet facilitator application to realize digital currency payment. Due to the decentrality of digital currency issuing and registering authorities and wallet facilitators, the use of digital currency wallet payment capabilities by shopping-like applications requires interfaces and interaction capabilities compatible with multiple digital currency wallets. This dispersion tends to result in poor usability and convenience of the digital currency wallet. In order to solve the above problems, the present disclosure provides a method for generating a digital money wallet and a method for paying digital money, which make full use of the general usability of a mobile communication device to improve the payment convenience of the digital money wallet, and in addition, a plurality of shopping applications can share the same digital money wallet application to pay for digital money, thereby improving the payment capability of the digital money wallet and simplifying the access complexity of the digital money wallet.

Referring to fig. 1, a flow diagram of one embodiment of a method of generating a digital money wallet according to the present disclosure is shown. The generation method of the digital money wallet is applied to the digital money wallet application. A digital currency wallet application runs on the terminal device. The method for generating the digital money wallet as shown in fig. 1 includes the following steps:

in response to receiving a generation instruction issued by a user to generate a digital money wallet, user information for creating the digital money wallet is acquired, step 101.

The digital money wallet application may be run in the terminal device of the user.

A digital currency wallet may be understood as a carrier of digital currency. The digital currency wallet may be associated with information of the user.

In the present embodiment, the user can issue an instruction for generating the digital money wallet to the digital money wallet application by various methods. For example, text information or voice information instructing generation of the digital wallet may be input through the information input device, and the digital money wallet application may be considered to receive an instruction of the user to generate the digital money wallet after receiving the text information or the voice information.

In some alternative implementations, a first control is displayed in the digital currency wallet application indicating that the first control is for activating a digital currency wallet. The acquiring of the user information for creating the digital money wallet in response to receiving the generation instruction issued by the user to generate the digital money wallet includes: and acquiring user information for creating the digital money wallet in response to receiving a first preset operation executed by the user on the first control. A control identification indicating generation of the digital money wallet may be displayed in the first control herein.

The first preset operation may be, for example, a selection operation such as clicking and touch performed by a user on the first control.

In these alternative implementations, the user may issue a generation instruction to the digital money wallet application for generating the digital money wallet by performing a first preset operation on a first control displayed in a display interface of the digital money wallet application. The digital money wallet application may acquire user information for creating a digital money wallet in various ways after receiving the generation instruction.

In these alternative implementations, by presenting the first control described above in a display page of the digital money wallet application, the user may be prompted to generate a digital money wallet in accordance with this control. Further, the user can issue an instruction to generate the digital money wallet to the digital money wallet application by performing the first preset operation on the first control, so that the operation of the user to issue the above-described generation instruction to the digital money wallet application can be simplified.

In some application scenarios, a user information input control for receiving user information input may be displayed in a digital money wallet application. The user information input control may include an information input window for a user to input a user category. The information input window may include a text information input window and may also include a voice information input window.

The user information may include, for example, identification information of the user. The identification information of the user may include a user account of the user.

In this embodiment, the user information may include: identity information of a terminal device on which the digital currency wallet application runs and/or identity information of a SIM card, or user account information, user biometric information, and user business registration information.

When the user is an ordinary user (non-enterprise user), the user information may be identity information of a terminal device on which the digital money wallet application is running and/or identity information of a SIM card. Acquiring user information for creating a digital money wallet, specifically comprising: identity information of a terminal device on which the digital money wallet application is running and/or identity information of the SIM card is obtained.

When the user is an enterprise user, the user information may include user account information, user biometric information, the user's business registration information, and the like. Acquiring user information for creating a digital money wallet, specifically comprising: and acquiring user account information, user biological characteristic information, user industrial and commercial registration information and the like.

And 102, sending the public key of the key pair generated according to the preset key generation method and the user information to a first service end corresponding to the digital money wallet service provider, so that the first service end performs registration operation of registering the digital money wallet to a second service end corresponding to the digital money issuing and registering mechanism based on the public key and the user information.

The digital money wallet facilitator is an example of a pre-set wallet facilitator, which is referred to in this embodiment as an index digital money wallet facilitator.

The digital money wallet application may generate the key pair according to a preset key generation method after receiving the above generation instruction. The preset key generation method herein may be a method of generating a key pair according to an encryption algorithm. The encryption Algorithm may include, but is not limited to, an RSA Digital currency wallet application encryption Algorithm, a Digital Signature Algorithm (DSA) encryption Algorithm, an Elliptic Curve Cryptography (ECC) encryption Algorithm, and the like. The key pair generated according to the above-described encryption algorithm may include a public key and a private key. It should be noted that the asymmetric encryption algorithm for generating the key pair is a well-known technology widely studied and applied at present, and is not described herein in detail.

The digital money wallet application may send the public key and the user information to a first service end corresponding to a preset wallet service provider. And after receiving the public key and the user information, the first server performs a registration operation of registering the digital wallet with the second server.

The first service end may include at least one server corresponding to the digital money wallet service provider. The same digital money issuance registration authority may correspond to a plurality of digital money wallet servers. The second server of the digital money issuance registration authority may include at least one server.

In some optional implementations, the performing, by the first server, a registration operation of registering the digital money wallet with a second server corresponding to the digital money issuing and registering authority based on the public key and the user information may include:

first, the first server determines whether a digital money wallet matching the user information has been historically generated (i.e., generated).

Secondly, the first service end responds to the fact that the digital currency wallet matched with the user information is not generated in the history, and the first service end performs a registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering mechanism on the basis of the public key and the user information. Namely: and the first server executes the registration operation of registering the digital money wallet to a second server corresponding to the digital money issuing and registering institution based on the public key and the user information under the condition that the first server determines that the digital money wallet matched with the user information is not generated.

In these alternative implementations, a unique digital currency wallet may be generated for the same user information. Thereby ensuring the uniqueness of the digital money wallet corresponding to the user information.

Specifically, the registration operation includes the following steps:

first, the first server generates a wallet identifier according to the public key, and sends the wallet identifier and the public key to the second server.

The public key and the private key generated by the preset key generation method are unique. After receiving the public key sent by the digital currency wallet application, the first server may generate a wallet identifier according to the public key. The wallet identification here may include at least one of: numbers, letters, words, symbols. The wallet identification may be used to distinguish between different digital currency wallets.

Secondly, the first server receives a digital certificate generated by the second server according to the public key and the wallet identifier, and sends a registration request to the second server based on the digital certificate.

The second server can generate a digital certificate for digital currency conversion according to the public key and the wallet identifier. Here, since the digital certificate is generated by a public key and a wallet id, the digital certificate may be encrypted using the public key in some application scenarios. When the digital currency wallet application performs digital currency conversion, the digital certificate may be decrypted according to a private key in the digital currency wallet application, so that the digital certificate is read to implement the digital currency conversion. The second server may register the digital certificate after receiving the registration request. Registering the digital certificate may include generating a contract. The contract here may include the address of the wallet facilitator on the digital currency chain.

And finally, the first service end receives contract information returned by the second service end according to the registration request and sends creation information to the digital currency wallet application.

The creation information includes a digital certificate, a wallet identification, and contract information indicating the contract.

Step 103, creating a digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet; the creation information includes a wallet identification, a digital certificate for effecting digital currency transactions.

The digital money wallet created according to the above steps is stored in the above digital money wallet application. The digital money wallet may correspond to an identity of a digital money wallet generated by the first service. In addition, a digital certificate, contract information, and the like returned by the first server, which is bound to the digital money wallet, may be stored in the above-described digital money wallet application.

Other applications for payment may be installed in the terminal device on which the digital money wallet application is installed. When the user makes a digital money payment using the other application, the other application may call the digital money wallet application to make a payment using a digital money wallet therein.

The method provided by the above-mentioned embodiment of the present disclosure, in response to receiving a generation instruction issued by a user to generate a digital money wallet, acquires user information for creating the digital money wallet by a digital money wallet application; the digital currency wallet application sends a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs a registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering organization based on the public key and the user information; the digital money wallet application creates a digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet; the creation information includes wallet identification and a digital certificate for realizing digital currency transaction, a digital currency wallet corresponding to the user information can be created, the digital currency wallet installed in the terminal device can be called by other applications installed in the same terminal device to realize digital currency payment, and user experience can be improved.

Continuing to refer to fig. 2, a flow diagram of yet another embodiment of a method of generating a digital money wallet according to the present disclosure is shown. The generation method of the digital currency wallet is applied to a digital currency wallet application, and the digital currency wallet application is operated on a terminal device. The method comprises the following steps:

in step 201, in response to receiving a generation instruction issued by a user for generating a digital money wallet, acquiring identity information of a terminal device on which a digital money wallet application is running and/or identity information of a SIM card.

In this example, the user information may include identity information of the terminal device on which the digital money wallet application is running and/or identity information of the SIM card.

In some application scenarios, when the user is a normal user, the above-described digital money wallet application may acquire identity information of a terminal device on which the digital money wallet application is running. The identity information of the terminal device may be a factory number of the terminal device.

In other application scenarios, when the user is a normal user, the digital money wallet application may obtain identity information of a SIM card installed on the terminal device. The identity information of the SIM card here may be a unique identification determined by the SIM card operator.

In these application scenarios, by acquiring the identity information of the terminal device or acquiring the identity information of the SIM card disposed on the terminal device, since the identity information of the terminal device and the identity information of the SIM card are unique, and usually the terminal device and the user are in one-to-one correspondence, and the SIM card and the user are also in one-to-one correspondence, the identity information of the terminal device or the identity information of the SIM card can be used as the user information for generating the digital money wallet, so as to realize matching of the generated digital money wallet with the user using the terminal device.

In still other application scenarios, when the user is a normal user, the digital money wallet application may acquire identity information of a terminal device and identity information of a SIM card disposed above the terminal device.

In these application scenarios, the payment security of the digital money wallet generated from the identity information of the terminal device and the identity information of the SIM card provided above the terminal device is higher.

In some optional implementations of this embodiment, before obtaining the identity information of the SIM card on which the digital money wallet application is running, the method for generating a digital money wallet may further include the steps of:

first, a second control for authorizing the user to the digital money wallet application to obtain SIM card identity information is displayed in a page of the digital money wallet application.

Secondly, responding to a second preset operation executed by the user on the second control, and sending a request for acquiring the identity information of the SIM card to the SIM card operator.

And thirdly, acquiring the identity information of the SIM card according to feedback information returned by the SIM card operator based on the request.

The second control can be displayed in a floating window or pop-up window form. And prompt information for prompting whether the SIM card information is authorized to be acquired or not can be displayed on the second control.

The second preset operation may be a selection operation performed on a selection item displayed in the second control and used for indicating that obtaining of the SIM card information may be authorized, and a request for obtaining the identity information of the SIM card may be sent to the SIM card operator. The SIM card operator may send feedback information according to the request. The feedback information is used to indicate that the digital money wallet application is allowed to acquire identity information of the SIM card.

In these application scenarios, the digital money wallet application is allowed to acquire the identity information of the SIM card only according to the user authorization and the confirmation of the SIM card operator, so that the security of generating the digital money wallet can be improved.

Step 202, sending a public key of a key pair generated according to a preset key generation method and identity information of a terminal device and/or identity information of an SIM card to the first service end, so that the first service end executes the registration operation to the second service end according to the public key and the identity information of the terminal device and/or the identity information of the SIM card.

The step 202 may refer to the step 102 in the embodiment shown in fig. 1, and details thereof are omitted here.

Step 203, creating a digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet.

The step 203 may refer to the step 103 in the embodiment shown in fig. 1, and details thereof are omitted.

Compared with the embodiment shown in fig. 1, the present embodiment highlights the steps of generating a digital money wallet based on the terminal device and/or SIM card information on which the digital money wallet application is running when the user is a paying user, and can reduce the user input operation of user information, increasing the speed of generating the digital money wallet.

In some optional implementations of this embodiment, after step 203, the method for generating a digital money wallet further includes the following steps:

and receiving a payment password input by a user, and binding the payment password with the digital certificate.

In these alternative implementations, the user sets the password for the digital certificate. When the digital currency wallet application initiates digital currency payment, a password needs to be input to authorize reading of the digital certificate to realize digital currency conversion, so that the safety of payment by using the digital currency wallet can be improved.

With further reference to fig. 3, there is shown a schematic interactive view of one of the principles of the method of generation of a digital money wallet according to the present disclosure.

The digital money wallet application 301 may be installed in the terminal device. As shown in fig. 3, the user may send a generation instruction 304 to create a digital money wallet to the digital money wallet application by clicking on a digital money wallet activation control in the digital money wallet application 301. After the digital money wallet application 301 receives the generation instruction of the user, user information of the user can be acquired. The user information may be identity information of the terminal device and/or identity information of a SIM card installed on the terminal device. The digital money wallet application 301 may acquire the identity information of the terminal device and/or the identity information of the SIM card installed on the terminal device. The digital money wallet application 301 may generate a key pair according to a preset encryption method. The digital money wallet application 301 may perform operation 307 of transmitting the public key of the key pair and the identity information of the terminal device and/or the identity information of the SIM card installed on the terminal device to the first service terminal 302. The first service end 302 may be a service end of a digital money wallet service provider. First service end 302 may determine whether to generate a digital money wallet 308 matching the information according to the identity information of the terminal device and/or the identity information of the SIM card installed on the terminal device. Specifically, first service end 302 may determine whether the history generated an identification of a digital currency wallet based on the information. If the identification of the digital money wallet corresponding to the above information is historically generated, it is determined that the registration operation of the digital money wallet does not need to be continued. And if the history does not generate the identification of the digital money wallet corresponding to the information, determining to generate the digital money wallet matched with the information. The first server 302, after determining to generate a digital money wallet based on the above information, may generate a wallet identification 309 of the digital money wallet based on the public key. The wallet identity of the digital money wallet generated according to the above method is unique. The first server 302 may perform operation 310 of sending the wallet identifier and the public key to the second server 303. The second server 303 may be a server of a digital money issuing and registering institution. The second server 303 may generate the digital certificate 311 according to the wallet identifier and the public key. The digital certificate is used for realizing digital currency transaction. The second service 303 may send the generated digital certificate 312 to the first service 302.

The first server 302, after receiving the digital certificate, may send a registration request 313 to the second server 303, where the registration request may include the digital certificate and the wallet identification. The second server 303, upon receiving the registration request, may generate a contract 314 according to the registration request, thereby completing the registration of the digital money wallet at the second server. The second service 303 may send contract information 315 for the generated contract to the first service 302. The contract information may include an address where the contract code is stored. The first server 302, after receiving the contract information described above, may generate creation information of the digital money wallet, and transmit the creation information 317 described above to the digital money wallet application 301. The creation information may include a wallet identification of the digital money wallet, a digital certificate, and contract information. The digital money wallet application 301 can create a digital money wallet that can be used for digital money payment in the terminal device according to the creation information described above. The amount of digital money in the digital money wallet may be determined based on the identity information of the terminal device, or based on the identity information of the SIM card, or based on the identity information of the terminal device and the identity information of the SIM card.

A digital money wallet associated with the terminal device is created in the terminal device through the above-described interactive process. When the payment is made by using the digital currency by other applications of the terminal equipment, the payment of the digital currency can be made by calling the digital currency wallet application and using the digital currency wallet in the digital currency wallet application.

Continuing to refer to FIG. 4, a flow diagram of one embodiment of a digital currency payment method in accordance with the present disclosure is shown. The method is applied to the terminal equipment. The terminal device may have installed therein a first application and a digital money wallet application.

The method comprises the following steps:

in step 401, the first application sends payment information for generating a digital currency payment request to the first application server in response to a first payment request initiated by a user in the first application. The payment information may include a payment amount, information of an article corresponding to the payment operation, and an identifier of a digital money wallet of the receiving user. The item information here may include the number of items (number of articles), an article unique identification code, and the like.

The first application may be any application having a payment function. For example, the application may be an application client corresponding to the online shopping application, or may be an application of a third party application supporting the online shopping application.

The first application server side can generate a second payment request according to the payment information. The second payment request here may include an identification of the receiving user's digital money wallet, a payment amount, etc. In some application scenarios, the second payment request may further include the unique identification code of the commodity or the category to which the commodity belongs.

Step 402, the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to a preset interface, and sends the second payment request to the digital currency wallet application.

The first application server may send the second payment request to the first application. The first application may invoke the digital currency wallet application according to a preset interface after receiving the second payment request. The preset interface here may be an interface provided by a digital money wallet application. Through the preset interface, any authorized first application installed in the terminal equipment can call up the digital currency wallet application so as to pay by using the digital currency.

After the first application invokes the digital money wallet application, the first application may send the second payment request to the digital money wallet application through the preset interface.

And step 403, the digital money wallet application sends a digital money transfer request to a first server corresponding to a preset wallet service based on the second payment request, so that the first server executes a digital money transfer operation to a second server corresponding to a digital money issuing and registering mechanism to realize digital money transfer.

The wallet facilitator herein refers to a digital money wallet facilitator.

After the digital money wallet application is invoked, the digital money wallet application runs in the foreground. The digital money wallet application, upon receiving the second payment request, may send a digital money transfer request to a first server corresponding to a digital money wallet facilitator for which the digital money wallet service is provided. The digital money transfer request herein may include an identification of the receiving user's digital money wallet, the payment amount, an identification of the paying user's digital money wallet, and the like. The digital money transfer request is generated based on the payment request.

Generally the digital currency issuing register may be a different entity from the digital currency wallet facilitator.

The first server may perform a digital money transfer operation to a second server corresponding to the digital money issuing and registering institution after receiving the digital money transfer request, thereby implementing the digital money transfer.

The first server may be at least one server corresponding to the digital money wallet facilitator. The second server here may be at least one server corresponding to the digital money issuance registration authority.

The final digital money transfer may be performed by the second server transferring the payment amount indicated by the transfer request from the payer digital money wallet to the payee digital money wallet.

The digital money payment method provided by the present embodiment calls the digital money wallet application by the first application when the first payment request is initiated by the first application, and realizes the digital money transfer by the interaction between the first application and the first application server, the interaction between the first application and the digital money wallet application, and the interaction between the digital money wallet application and the digital money wallet application server, compared with the scheme of the related art in which the digital money payment is realized by mainly installing an application of a different digital money wallet facilitator in the terminal device, or an application of a digital money issuance registration authority, a plurality of applications installed on the terminal device can call the digital money wallet application to complete the digital money wallet payment by using a uniform preset interface without being compatible with all digital issuance registration authorities and digital money wallet facilitator interfaces and interaction capabilities, the development difficulty is reduced, and the maintenance cost is reduced.

In some optional implementations of this embodiment, step 403 may include the following steps:

first, the digital currency wallet application displays a third control for prompting the user for payment authorization in response to receiving the second payment request.

Secondly, the digital money wallet application sends the digital money transfer request to the first server in response to receiving a preset operation executed by the user on the third control element and used for indicating payment authorization, wherein the digital money transfer request comprises a payment amount and a wallet identifier of a second digital money wallet receiving the payment amount.

In some application scenarios, the third control herein may be a password entry window control. In these application scenarios, the preset operation for indicating payment authorization includes inputting a preset password for authorization in the third control; and the preset password is pre-bound with the digital certificate corresponding to the first digital currency wallet. That is, in these application scenarios, the user can input the preset password to perform payment authorization, so as to ensure the security of the digital currency wallet payment. The preset password may be a biometric feature of the user, such as a fingerprint, a face image, and the like. The preset password may also be a password composed of characters, numbers, characters, and the like.

In still other application scenarios, the third control may be a prompt control for prompting the user whether to approve payment using the digital money wallet. The third control may include a selection for indicating agreement to the payment and a selection for indicating denial of the payment. The preset operation may be, for example, a user's selection operation of the selection item for indicating agreement to the payment.

In some optional implementations of this embodiment, step 403 may include the following steps:

first, the digital money wallet application determines whether the payment amount corresponding to the second payment request is accurate.

Secondly, under the condition that the digital money wallet application determines that the payment amount corresponding to the second payment request is accurate, the digital money wallet application responds to the determination that the payment amount corresponding to the second payment request is accurate, and sends a digital money transfer request to a first server side corresponding to a preset wallet service provider.

In these alternative implementations, the digital money wallet application may confirm the payment amount with the items purchased by the user, which may improve the accuracy of the digital money wallet payment.

In some alternative implementations of the present embodiment, the digital money transfer operation includes: first, the first server sends the digital money transfer request to the second server to cause the second server to transfer the payment amount from the first digital money wallet to a second digital money wallet.

Here the identity of the second digital money purse that receives the payment amount, i.e. the identity of the payee digital money purse.

Secondly, in response to receiving transfer feedback information which is returned by the second server and used for indicating that the transfer of the payment amount to the second digital money wallet is successful, the digital money transfer operation is ended.

In these optional implementation manners, the second service may deduct the digital money of the payment amount from the first digital wallet according to the digital money transfer request sent by the first service, and add the digital money of the payment amount to the second digital wallet, thereby implementing the digital money transfer. After the second server finishes the digital money transfer, transfer feedback information indicating that the transfer of the payment amount to the second digital money wallet is successful may be sent to the first server, thereby ending the digital money transfer operation.

In some optional implementations of this embodiment, the digital currency payment method further includes the steps of:

first, after receiving feedback information which is sent by the first server and prompts that the digital money transfer is successful, the digital money wallet application ends the digital money transfer operation.

Secondly, the digital money wallet application calls back the first application through a preset interface and sends the digital money transfer record corresponding to the digital money transfer operation to the first application.

In these alternative implementations, the first service may send feedback to the digital money wallet application prompting that the digital money transfer was successful after receiving the above-described transfer feedback from the second service. And the digital money wallet application generates a digital money transfer record after receiving the feedback information of the successful transfer and ends the digital money transfer operation. The digital currency conversion record may include, but is not limited to, a payment amount, an identification of the second digital currency wallet, and a payment time.

The digital money wallet application may call back the first application via a preset result of the first application and send the digital money transfer record to the first application.

In some alternative implementations of this embodiment, the second digital money wallet is a digital money wallet corresponding to the first application; and after the digital money wallet application finishes the digital money transfer operation, calling back a first application through a preset interface, and sending a digital money transfer record corresponding to the digital money transfer operation to the first application, the digital money payment method further comprises the following steps:

first, the first application sends the verification of the digital money transfer result to a first application server to indicate the first application server to confirm whether the second digital money wallet receives the payment amount corresponding to the digital money transfer.

Secondly, in response to receiving that the confirmation result returned by the first application server is yes, the first application ends the payment operation, that is: and the first application ends the payment operation when the confirmation result returned by the first application server side is yes (namely the first application server side confirms that the second digital money wallet receives the payment amount corresponding to the digital money transfer).

In some application scenarios, the digital money wallet facilitator for the second digital money wallet and the first digital money wallet may be the same digital money wallet facilitator, and the first service may send the transfer feedback information to both the digital money wallet application and the first application service after completing the digital money transfer. After the first application is called back, payment confirmation information can be sent to the first application server. The first application server side can confirm whether the payment amount corresponding to the digital money transfer is received or not according to the transfer feedback information sent by the first service side.

In other application scenarios, the digital money wallet facilitators for the second digital money wallet and the first digital money wallet may be different digital money wallet facilitators. After the second server finishes the digital money transfer, the second server may send the transfer feedback information to the first server and the target server corresponding to the digital money wallet service provider of the second digital money wallet. The target server may send the transfer feedback information to the first application server.

After the first application is called back, payment confirmation information can be sent to the first application server. The first application server side can confirm whether the payment amount corresponding to the digital money transfer is received or not according to the transfer feedback information sent by the target server side.

Further optionally, the digital currency payment method further comprises:

and the first application repeats the confirmation process in response to receiving that the confirmation result returned by the first application server is no.

And responding to the condition that the confirmation results of the confirmation processes of the preset times are negative, and displaying abnormal prompt information for prompting the payment abnormity by the first application.

In these alternative implementations, the integrity of the payment of the digital money wallet may be ensured, the trustworthiness of the digital money wallet may be improved, and the application range of the digital money wallet may be expanded by payment confirmation between the first application and the first application server.

Referring to fig. 5, a schematic diagram of a principle interaction of a digital currency payment method according to the present disclosure is shown.

The first application 501 and the digital money wallet application 503 in fig. 5 are both installed in the same terminal device.

The user may shop using a shopping-like application. The first application 501 may be a shopping application. Or may be an application that enables payment to a third party. The user may initiate a first payment request 506 at the first application 501 for payment using digital currency. The first application 501 may send payment information 507 to the first application server 502. The payment information may include payment amount and article information corresponding to the payment operation. The first application server 502 may generate a second payment request according to the payment information. And sends the second payment request 508 described above to the first application 501. The second payment request may include an identification of the receiving user's digital money wallet, a payment amount, merchandise information, and the like. In some application scenarios, the payment request may further include the unique identification code of the commodity or the category to which the commodity belongs. The first application 501 may call the digital money wallet application 503 through a preset interface after receiving the above-described second payment request. The second payment request 509 is sent to the digital money wallet application 503 through a preset interface. The digital currency wallet application 503, after being invoked, may present a payment page. The user may be displayed in a payment page for payment authentication 510. Specifically, a third control for prompting the user to authorize payment may be displayed in the payment page. The user may perform a preset operation on the third control for indicating payment authorization. After the user performs the preset operation, the authentication may be considered to be passed. The digital money wallet application 503 may send a digital money transfer request 511 to the first service 504. The digital money transfer request may include an identification of the paying user's digital money wallet, an identification of the receiving user's digital money wallet, a payment amount, a digital certificate of the paying user's digital money wallet. The first server 504 sends the digital money transfer request 512 to the second server 505. The second server transfers 513 the digital money for the payment amount from the payer digital money wallet indicated by the payer digital money wallet identification to the digital money wallet indicated by the payee digital money wallet identification based on the digital certificate. The second server 505 sends feedback 515 to the first server 504 indicating that the digital money transfer was successful. First service 504 may generate a digital money transfer record. The digital money transfer record may include the time of the transfer, an identification of the paying user's digital money wallet, an identification of the receiving user's digital money wallet, and the payment amount.

In some application scenarios, first service 504 may be a wallet facilitator of a money receiving user digital money wallet. In these application scenarios, the first server 504 sends the digital money transfer record to the first application server 502 and the digital money wallet application 503. The digital money wallet application 503, upon receiving the digital money transfer record, may call back the first application 501 according to a preset interface and send the digital money transfer record 517 to the first application 501. The first application 501 may send confirmation 518 to the first application server 502 confirming whether the payment was successful. The first application server 502 may confirm whether the payment is successful according to the previously received digital money transfer record sent by the first application server. The first application server 502 may feed back information 519 of successful payment to the first application 501 after confirming that the payment indicated by the confirmation information is successful. After receiving the information of successful payment feedback, the first application 501 may end the payment operation.

Through the interaction process, each application with the payment and receipt function installed on the mobile communication equipment can call the digital money wallet application to complete the payment of the digital money wallet by using the unified preset interface without being compatible with all digital money issuing and registering mechanisms, digital money wallet facilitator interfaces and interaction capacity, so that the development difficulty is reduced, and the maintenance cost of the digital money wallet is reduced.

Referring to fig. 6, a schematic structural diagram of some embodiments of a digital money wallet generation apparatus according to the present disclosure is shown.

As shown in fig. 6, the generation apparatus of the digital money wallet is applied to a digital money wallet application, including: an acquisition unit 601 configured to acquire user information for creating a digital money wallet in response to receiving a generation instruction issued by a user to generate the digital money wallet; a sending unit 602, configured to send a public key of a key pair generated according to a preset key generation method and the user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs a registration operation of registering a digital money wallet to a second service end corresponding to a digital money issuance registration authority based on the public key and the user information; a creating unit 603 configured to create a digital money wallet based on the received creation information for creating a digital money wallet transmitted by the first service terminal based on the registration operation; the creation information includes a wallet identification, a digital certificate for effecting digital currency transactions.

In some optional implementations, the user information includes: identity information of a terminal device on which the digital currency wallet application runs and/or identity information of a SIM card, or user account information, user biometric information, and user business registration information.

In some alternative implementations, the user information includes identity information of a terminal device on which the digital money wallet application is running and/or identity information of a SIM card; and the obtaining unit 601 is further configured to: acquiring identity information of a terminal device and/or identity information of an SIM card on which the digital currency wallet application runs; and the sending unit 603 is further configured to: and sending the public key and the identity information of the terminal equipment and/or the identity information of the SIM card to the first service end, so that the first service end executes the registration operation to the second service end according to the public key and the identity information of the terminal equipment and/or the identity information of the SIM card.

In some alternative implementations, the generation means of the digital money wallet further comprises a first authorisation unit (not shown in figure 6). A first authorization unit configured to display, in a page of the digital money wallet application, a second control for a user to authorize acquisition of SIM card identity information to the digital money wallet application, before the acquisition unit 601 acquires identity information of a SIM card on which the digital money wallet application is running; and responding to a second preset operation executed by the user on the second control, and sending a request for acquiring the identity information of the SIM card to the SIM card operator. The acquiring unit 601 is further configured to: and acquiring the identity information of the SIM card according to feedback information returned by the SIM card operator based on the request.

In some optional implementations, the user category of the user is a payee user category; and the obtaining unit 601 is further configured to: receiving user information input by a user, wherein the user information at least comprises one of the following: user account information, user biological characteristic information and industrial and commercial registration information of the user.

In some optional implementations, the registering operation includes: the first server generates a wallet identifier according to the public key, and sends the wallet identifier and the public key to the second server; the first server receives a digital certificate generated by the second server according to the public key and the wallet identifier, and sends a registration request to the second server based on the digital certificate; and the first service end receives contract information returned by the second service end according to the registration request and sends the creation information to the digital money wallet application.

In some alternative implementations, the generating means of the digital money wallet further comprises a cryptographic binding unit (not shown in fig. 6). The password binding unit is configured to receive a password input by a user and bind the password with the digital certificate after the creation unit 603 creates the digital money wallet according to the received creation information for creating the digital money wallet sent by the first service end based on the registration operation.

The embodiment of the invention provides a digital currency payment system, which comprises: the system comprises a first application, a digital currency wallet application, a first application server, a first server corresponding to a preset wallet facilitator and a second server corresponding to a digital currency issuing and registering mechanism. The first application, the digital money wallet application, is installed in the terminal device.

The first application sends payment information for generating a digital currency payment request to the first application server in response to a first payment request initiated by a user in the first application.

And the first application server side generates a second payment request according to the received payment information and sends the second payment request to the first application.

And the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to the preset interface, and sends the second payment request to the digital currency wallet application.

The digital money wallet application sending a digital money transfer request to the first server based on the payment request; the digital money transfer request includes an identification of the receiving user's digital money wallet, the payment amount, and an identification of the paying user's digital money wallet.

The first server executes digital money transfer operation to the second server according to the digital money transfer request so as to realize digital money transfer; wherein the digital money wallet application includes therein a first digital money wallet created by the generation apparatus of a digital money wallet according to an embodiment of the present invention. The apparatus for generating a digital money wallet according to the embodiment of the present invention is described with reference to the apparatus for generating a digital money wallet shown in fig. 6.

Referring to fig. 7, fig. 7 illustrates an exemplary system architecture to which a digital money wallet generating method, a digital money wallet generating apparatus, and a digital money payment method according to an embodiment of the present disclosure may be applied.

As shown in fig. 7, the system architecture may include a terminal device 701, a first server 704 corresponding to a digital wallet service provider, a second server 705 corresponding to a digital currency issuing and registering authority, and a first application server 706. The terminal device 701 has installed thereon a digital money wallet application 702 and a first application 703. Communication between the digital money wallet application 702 and the first service end 704, between the first application 703 and the first application service end 706, and between the first service end 704 and the second service end 705 can be performed through a network. The network may include various connection types, such as wired, wireless communication links, or fiber optic cables, to name a few.

The digital money wallet application 702 may interact with the first service terminal 704 through the terminal device 701 to receive or transmit a message or the like. The first application 703 interacts with the first application server 706 through the terminal device 701 to receive or send messages and the like.

The terminal device 701 may be software. When the terminal device 701 is hardware, it may be various electronic devices having a display screen and supporting web browsing, including but not limited to a smart phone, a tablet computer, a laptop portable computer, a desktop computer, and the like. When the terminal device 701 includes software, the software can be installed in the electronic devices listed above. It may be implemented as multiple pieces of software or software modules (e.g., software or software modules used to provide distributed services) or as a single piece of software or software module. And is not particularly limited herein.

The first service side 704 may provide various services such as receiving a digital money wallet creation request transmitted from the terminal device, and performing a digital money wallet registration operation according to the digital money wallet creation request.

The second server 705 may provide various services, such as receiving a digital money registration operation sent by the first server, registering and registering an identifier of a digital money wallet corresponding to the digital money registration operation, and sending a registration result to the first server.

It should be noted that the method for generating a digital money wallet provided by the embodiment of the present disclosure may be executed by a terminal device, and accordingly, the generating means of the digital money wallet may be provided in the terminal device 701.

When the digital money wallet is used, the terminal device 701, the first server 704 corresponding to the digital money wallet service provider, the second server 705 corresponding to the digital money issuing and registering authority, the first application server 706, the digital money wallet application 702 installed in the terminal device 701, and the first application 703 interact with each other, so as to realize the use of the digital money wallet. Specifically, when payment is made using a digital currency wallet, the interaction process of the parties in the system architecture is as follows:

the first application 703, in response to receiving a first payment request initiated by a user in the first application 703, sends payment information for generating a digital currency payment request to the first application server 706.

The first application server 706 generates a second payment request according to the payment information, and sends the second payment request to the first application 703.

After receiving the second payment request sent by the first application server 706, the first application 703 invokes the digital money wallet application according to a preset interface and sends the second payment request to the digital money wallet application.

And the digital money wallet application 702 sends a digital money transfer request to a first server 704 corresponding to the preset wallet service provider based on the second payment request.

The first server 704, upon receiving the digital money transfer request, may perform a digital money transfer operation to a second server 705 corresponding to the digital money issuing register to effect a digital money transfer. Wherein the digital money wallet application includes therein a first digital money wallet created according to the embodiment shown in fig. 1 or fig. 3.

In some alternative implementations, the digital currency wallet application 702 described above is further configured to: in response to receiving the second payment request, displaying a third control for prompting a user to authorize payment; and in response to receiving a preset operation which is executed by the user on the third control element and used for indicating payment authorization, sending the second payment request to the first server 704, wherein the second payment request comprises a payment amount and a wallet identifier of a second digital money wallet for receiving the payment amount.

In some optional implementations, the preset operation for indicating payment authorization includes entering a preset password for authorization in the third control; and the preset password is pre-bound with the digital certificate corresponding to the first digital currency wallet.

In some optional implementations, the digital currency wallet application 702 is further to: determining whether the payment amount corresponding to the second payment request is accurate; and in response to determining that the payment amount corresponding to the second payment request is accurate, sending the digital money transfer request to a first server 704 corresponding to a preset wallet facilitator.

In some alternative implementations, the digital money transfer operation includes: the first server 704 sends the digital money transfer request to the second server 705. The second server 705 receives the digital money transfer request and transfers the payment amount indicated by the digital money transfer request from the first digital money wallet to the second digital money wallet in accordance with the digital money transfer request. The second server 705 may transmit feedback information indicating that the transfer of the payment amount is successful to the first server 705 after completing the transfer of the payment amount indicated by the digital money transfer request from the first digital money wallet to the second digital money wallet. The first server 704 ends the digital money transfer operation after receiving the transfer feedback information returned by the second server 705 and used for indicating that the transfer of the payment amount to the second digital money wallet is successful.

In some optional implementations, the above interaction process further includes: after receiving the feedback information which prompts the success of the digital money transfer and is sent by the first server 704, the digital money wallet application 702 ends the digital money transfer operation; and calling back the first application through a preset interface, and sending the digital money transfer record corresponding to the digital money transfer operation to the first application.

In some alternative implementations, the second digital money wallet is a digital money wallet corresponding to the first application; after the digital money wallet application 702 finishes the digital money transfer operation, calls back the first application through a preset interface, and sends the digital money transfer record corresponding to the digital money transfer operation to the first application, the above interaction process further includes: the first application 703 sends payment confirmation information to the first application server 706 to instruct the first application server 706 to confirm whether the second digital money wallet receives the payment amount corresponding to the digital money transfer; and the first application 703 responds to the fact that the confirmation result returned by the first application server is received, and ends the payment operation.

It should be understood that the numbers of the terminal device, the first service end and the second service end in fig. 7 are only schematic. Any number of terminal devices, first service terminals and second service terminals may be provided according to implementation requirements.

Referring now to FIG. 8, an electronic device suitable for use in implementing embodiments of the present disclosure is shown

(e.g., the terminal device in fig. 6). The terminal device in the embodiments of the present disclosure may include, but is not limited to, a mobile terminal such as a mobile phone, a notebook computer, a digital broadcast receiver, a PDA (personal digital assistant), a PAD (tablet computer), a PMP (portable multimedia player), a vehicle terminal (e.g., a car navigation terminal), and the like, and a stationary terminal such as a digital TV, a desktop computer, and the like. The electronic device shown in fig. 8 is only an example, and should not bring any limitation to the functions and the scope of use of the embodiments of the present disclosure.

As shown in fig. 8, an electronic device may include a processing means (e.g., a central processing unit, a graphics processor, etc.) 801 that may perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM)802 or a program loaded from a storage means 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data necessary for the operation of the electronic apparatus are also stored. The processing apparatus 801, the ROM802, and the RAM803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to bus 804.

Generally, the following devices may be connected to the I/O interface 805: input devices 806 including, for example, a touch screen, touch pad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; output devices 807 including, for example, a Liquid Crystal Display (LCD), speakers, vibrators, and the like; storage 808 including, for example, magnetic tape, hard disk, etc.; and a communication device 809. The communication means 809 may allow the electronic device to communicate with other devices wirelessly or by wire to exchange data. While fig. 8 illustrates an electronic device having various means, it is to be understood that not all illustrated means are required to be implemented or provided. More or fewer devices may alternatively be implemented or provided.

In particular, according to an embodiment of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program carried on a non-transitory computer readable medium, the computer program containing program code for performing the method illustrated by the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network through the communication means 809, or installed from the storage means 808, or installed from the ROM 802. The computer program, when executed by the processing apparatus 801, performs the above-described functions defined in the methods of the embodiments of the present disclosure.

It should be noted that the computer readable medium in the present disclosure can be a computer readable signal medium or a computer readable storage medium or any combination of the two. A computer readable storage medium may be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the foregoing. More specific examples of the computer readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the present disclosure, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In contrast, in the present disclosure, a computer readable signal medium may comprise a propagated data signal with computer readable program code embodied therein, either in baseband or as part of a carrier wave. Such a propagated data signal may take many forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: electrical wires, optical cables, RF (radio frequency), etc., or any suitable combination of the foregoing.

In some embodiments, the clients, servers may communicate using any currently known or future developed network Protocol, such as HTTP (HyperText Transfer Protocol), and may interconnect with any form or medium of digital data communication (e.g., a communications network). Examples of communication networks include a local area network ("LAN"), a wide area network ("WAN"), the internet (e.g., the internet), and peer-to-peer networks (e.g., ad hoc (peer-to-peer) networks), as well as any currently known or future developed networks.

The computer readable medium may be embodied in the electronic device; or may exist separately without being assembled into the electronic device.

The computer readable medium carries one or more programs which, when executed by the electronic device, cause the electronic device to: in response to receiving a generation instruction issued by a user to generate a digital money wallet, determining user categories of the user, the user categories including a receiving user category and a paying user category; obtaining user information for creating a digital money wallet matching the determined user category; generating a key pair according to a preset key generation method, and sending a public key in the key pair and the user information to a first service end corresponding to a preset wallet service provider, so that the first service end performs a registration operation of registering the digital currency wallet to a second service end corresponding to a digital currency issuing and registering institution based on the public key and the user information; and creating the digital money wallet according to the received creation information which is sent by the first service terminal based on the registration operation and used for creating the digital money wallet, wherein the creation information comprises wallet identification, a digital certificate used for realizing digital money transaction and contract information used for realizing digital money transaction.

Or the first application responds to a first payment request initiated by a user in the first application, and sends payment information for generating a digital currency payment request to the first application server; the first application receives a second payment request generated by the first application server according to the payment information, invokes the digital currency wallet application according to a preset interface, and sends the second payment request to the digital currency wallet application; the digital money wallet application sends a digital money transfer request to a first server corresponding to a preset wallet service provider based on the second payment request so that the first server can execute digital money transfer operation to a second server corresponding to a digital money issuing and registering mechanism to realize digital money transfer; wherein the digital money wallet application includes therein a first digital money wallet created according to a generation method of the digital money wallet.

Computer program code for carrying out operations for the present disclosure may be written in any combination of one or more programming languages, including but not limited to an object oriented programming language such as Java, Smalltalk, C + +, and conventional procedural programming languages, such as the "C" programming language or similar programming languages. The program code may execute entirely on the user's computer, partly on the user's computer, as a stand-alone software package, partly on the user's computer and partly on a remote computer or entirely on the remote computer or server. In the case of a remote computer, the remote computer may be connected to the user's computer through any type of network, including a Local Area Network (LAN) or a Wide Area Network (WAN), or the connection may be made to an external computer (for example, through the Internet using an Internet service provider).

The flowchart and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams and/or flowchart illustration, and combinations of blocks in the block diagrams and/or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units described in the embodiments of the present disclosure may be implemented by software or hardware. Where the name of the unit does not constitute a limitation of the unit itself in some cases, for example, the acquisition unit may also be described as "a unit for acquiring user information for creating a digital money wallet in response to receiving a generation instruction issued by a user for generating the digital money wallet".

The functions described herein above may be performed, at least in part, by one or more hardware logic components. For example, without limitation, exemplary types of hardware logic components that may be used include: field Programmable Gate Arrays (FPGAs), Application Specific Integrated Circuits (ASICs), Application Specific Standard Products (ASSPs), systems on a chip (SOCs), Complex Programmable Logic Devices (CPLDs), and the like.

In the context of this disclosure, a machine-readable medium may be a tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. The machine-readable medium may be a machine-readable signal medium or a machine-readable storage medium. A machine-readable medium may include, but is not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any suitable combination of the foregoing. More specific examples of a machine-readable storage medium would include an electrical connection based on one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing.

The foregoing description is only exemplary of the preferred embodiments of the disclosure and is illustrative of the principles of the technology employed. It will be appreciated by those skilled in the art that the scope of the disclosure herein is not limited to the particular combination of features described above, but also encompasses other embodiments in which any combination of the features described above or their equivalents does not depart from the spirit of the disclosure. For example, the above features and (but not limited to) the features disclosed in this disclosure having similar functions are replaced with each other to form the technical solution.

Further, while operations are depicted in a particular order, this should not be understood as requiring that such operations be performed in the particular order shown or in sequential order. Under certain circumstances, multitasking and parallel processing may be advantageous. Likewise, while several specific implementation details are included in the above discussion, these should not be construed as limitations on the scope of the disclosure. Certain features that are described in the context of separate embodiments can also be implemented in combination in a single embodiment. Conversely, various features that are described in the context of a single embodiment can also be implemented in multiple embodiments separately or in any suitable subcombination.

Although the subject matter has been described in language specific to structural features and/or methodological acts, it is to be understood that the subject matter defined in the appended claims is not necessarily limited to the specific features or acts described above. Rather, the specific features and acts described above are disclosed as example forms of implementing the claims.