CN115564413A - Payment method, platform, terminal and payment system based on digital currency - Google Patents

Abstract

The invention discloses a payment method, a payment platform, a payment terminal and a payment system based on digital currency, and relates to the technical field of computers. One embodiment of the method comprises: receiving a target payment request for a first digital currency in a frozen state, the frozen first digital currency generated based on a prepayment request and a preconfigured prepayment payment intelligent contract; generating a second digital currency corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency and a pre-configured pre-payment underwriting intelligent contract; and sending the second digital currency to a first account corresponding to the first digital currency. The implementation mode improves the transaction safety and is beneficial to guaranteeing the rights and interests of the user.

Description

A payment method, platform, terminal and payment system based on digital currency

technical field

The present invention relates to the field of computer technology, in particular to a digital currency-based payment method, platform, terminal and payment system.

Background technique

Pre-payment is a common payment scenario, for example, membership pre-recharge activities on various online electronic platforms, offline fitness venues and training institutions pre-recharge activities, etc.

In the existing prepayment scenario, the currency prepaid by the user is directly paid into the service provider's account, and the service provider can directly use the prepaid currency regardless of whether the service provider has provided the corresponding service. This may lead to the user being unable to refund the prepaid currency even if the user has not used up the purchased service and the service provider terminates the service, which reduces the transaction security of the prepayment scenario and makes it difficult to protect the user rights and interests.

Contents of the invention

In view of this, the embodiment of the present invention provides a payment method, platform, terminal and payment system based on digital currency, which can make the first digital currency corresponding to the prepaid amount be frozen based on the pre-configured prepayment deposit smart contract. At this time, the first user who initiates the prepayment request and the second user corresponding to the service provider cannot use the second digital currency. When the target payment request corresponding to the first digital currency in the frozen state is received, the first digital currency in the frozen state is written off according to the prepayment write-off smart contract, and the second number corresponding to the target payment amount is generated Currency, and send the second digital currency to the first account corresponding to the service provider, so that the service provider can use the second digital currency. Therefore, through the prepayment smart contract, the service provider is prevented from using the prepaid digital currency in advance, and the transaction security of the prepayment scenario is improved. Furthermore, it is also possible to revoke or cancel the unused prepaid digital currency, so that the unused prepaid digital currency is returned to the second account corresponding to the first user, which solves the problem that in the existing prepayment scenario, the user cannot target the prepaid digital currency. The problem of refunding the paid currency further improves the transaction security of the pre-payment scenario and protects the rights and interests of users.

To achieve the above object, according to an aspect of the embodiments of the present invention, a payment method based on digital currency is provided.

When a payment method based on digital currency in an embodiment of the present invention is applied to a payment platform, it includes:

receiving a target payment request for the first digital currency in the frozen state, the first digital currency in the frozen state is generated based on the prepayment request and the pre-configured prepayment deposit smart contract;

Generate a second digital currency corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured prepayment write-off smart contract;

Send the second digital currency to the first account corresponding to the first digital currency.

Optionally, a new frozen first digital currency is generated according to the difference between the first digital currency and the second digital currency and the prepayment write-off smart contract.

Optionally, the method also includes:

In the case of receiving a cancellation request for the first digital currency, acquiring first signature information of the first account and second signature information of a second account corresponding to the prepayment request;

When the first signature information and the second signature information are obtained, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account.

Optionally, before receiving the target payment request for the first digital currency in the frozen state, it also includes:

receiving a prepayment request from the first terminal, the prepayment request indicating the second account and the prepayment amount;

According to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract, a first digital currency corresponding to the prepayment amount is generated, and the first digital currency status is Frozen.

Optionally, the prepayment request also indicates the first account;

Writing the prepayment deposit smart contract and/or the first account into the first digital currency as a field of the first digital currency.

Optionally, determine whether the account indicated by the target payment request this time is the same as the first account;

If so, generating a second digital currency corresponding to the target payment amount;

If not, deny the target payment request.

Optionally, the prepayment request also indicates a payment term and a payment amount corresponding to the payment term; the method also includes:

When it is detected that the current time meets the payment deadline, according to the payment amount and the prepayment write-off smart contract, a second digital currency corresponding to the payment amount is generated and will be corresponding to the payment amount The second digital currency of is sent to the first account.

Optionally, the prepayment write-off smart contract is written into the first digital currency as a field of the new first digital currency in a frozen state.

Optionally, in the case where the cancellation request is a cancellation request sent by the first terminal, it further includes:

determining whether the first digital currency is revocable according to the pre-configured pre-payment revocation smart contract;

If yes, acquiring the first signature information and the second signature information;

If not, the revocation request is denied.

Optionally, after generating the second digital currency, it also includes:

Use its own third signature information to sign the first digital currency, and generate and store the first digital currency according to the signed first digital currency, the second signature information and the prepayment deposit smart contract 1. Prepaid transaction information.

Optionally, the prepayment request also indicates a scene identifier and/or a service identifier;

The first prepayment transaction information is generated according to the first digital currency and the second signature information, the prepayment deposit smart contract, and the scenario identifier and/or service identifier.

Optionally, in the case where the target payment request also indicates a scene identifier and/or a service identifier, it further includes:

Determine whether the scenario identifier and/or service identifier indicated by the target payment request this time are the same as the scenario identifier and/or service identifier indicated by the first prepayment transaction information;

If so, generating a second digital currency corresponding to the target payment amount;

If not, deny the target payment request.

Optionally, also include:

Determine whether the target payment request includes the signature information of the sender of the target payment request, and if yes, generate a second digital currency corresponding to the target payment amount.

Optionally, also include:

Generate second prepayment transaction information according to the prepayment write-off smart contract, the signature information of the sender, its own third signature information, and the difference between the first digital currency and the second digital currency.

Optionally, generating the first digital currency corresponding to the prepayment amount according to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract, include:

determining a third digital currency in the second account and an available denomination of the third digital currency;

A generation method of the first digital currency is determined according to the available denomination and the prepayment amount, and the first digital currency corresponding to the prepayment amount is generated according to the generation method.

Optionally, when the available denomination is greater than the prepaid amount, it is determined that the generation method is to split the third digital currency;

Splitting the third digital currency into the first digital currency and the fourth digital currency, the sum of the denominations of the first digital currency and the fourth digital currency is equal to the available denomination, and the The status of the fourth digital currency is usable, and the third digital currency is canceled.

Optionally, also include:

freezing the first digital currency in the first account or the second account or payment platform corresponding to the prepayment request;

Optionally, after the second digital currency is set to be available, the second digital currency in the available state is sent to the first account.

Optionally, also include:

When it is determined that the denomination of the first digital currency is less than the target payment amount, a prepayment recovery reminder is sent to the first terminal that initiated the prepayment request.

Optionally, also include:

When receiving the prepayment recovery request sent by the first terminal according to the prepayment recovery prompt, check whether the first account and the second account indicated by the prepayment recovery request are empty, and if not, obtain the The first signature information of the first account and the second signature information of the second account;

When the first signature information and the second signature information are acquired, according to the pre-configured prepayment recovery smart contract, the amount indicated by the prepayment recovery request, and the first digital currency, a new The first digital currency in a frozen state.

Optionally, also include:

receive termination instructions;

According to the termination instruction and the pre-configured pre-payment termination smart contract, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account corresponding to the pre-payment request; as well as

Sending prepayment termination prompt information to the first terminal that initiated the prepayment request and the second terminal corresponding to the first account.

Optionally, the prepayment request is received through a freezing payment interface; further comprising:

When a first reverse transaction request is received through the frozen payment interface, acquiring first signature information of the first account and second signature information of a second account corresponding to the prepayment request;

When the first signature information and the second signature information are obtained, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account.

Optionally, receiving the target payment request through an unfreezing payment interface; further comprising:

When a second reverse transaction request is received through the unfreezing payment interface, acquiring the first signature information corresponding to the first account and the second signature information of the second account corresponding to the prepayment request;

When the first signature information and the second signature information are obtained, cancel the second digital currency, and update the first digital currency according to the target payment amount.

To achieve the above object, according to another aspect of the embodiments of the present invention, another payment method based on digital currency is provided.

When a payment method based on digital currency in an embodiment of the present invention is applied to the first terminal, it includes:

In response to the first trigger, generate a prepayment request, and send the prepayment request to the payment platform; the prepayment request indicates the second account and the prepayment amount;

receiving the first digital currency corresponding to the prepaid amount, and storing the frozen first digital currency in the second account;

In response to the second trigger, generate a target payment request for the first digital currency, and send the target payment request to the payment platform.

Optionally, also include:

Generate the prepayment request and/or the target payment request according to the second signature information of the second account.

Optionally, in response to the payment platform's feedback on the prepayment request and/or the target payment request, sending the second signature information of the second account to the payment platform.

Optionally, also include:

Obtaining a payment identification or a payment image corresponding to the first account to determine the first account;

Generate the target payment request according to the first account and the second trigger.

Optionally, also include:

receiving the prepayment recovery prompt sent by the payment platform, and displaying the prepayment recovery prompt;

When receiving the recovery information input according to the prompt for recovery of prepayment, generate a request for recovery of prepayment according to the first account and second account included in the recovery information, and send the request for recovery of prepayment to the payment platform.

To achieve the above object, according to yet another aspect of the embodiments of the present invention, a payment platform based on digital currency is provided.

A digital currency-based payment platform according to an embodiment of the present invention includes: a request receiving module, a verification module, and a currency sending module; wherein,

The request receiving module is configured to receive a target payment request for the first digital currency in the frozen state, the first digital currency in the frozen state is generated based on the prepayment request and the pre-configured prepayment deposit smart contract;

The write-off module is configured to generate a second number corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured pre-payment write-off smart contract currency;

The currency sending module is configured to send the second digital currency to the first account corresponding to the first digital currency.

To achieve the above purpose, according to yet another aspect of the embodiments of the present invention, a first terminal for payment based on digital currency is provided.

A first terminal based on digital currency payment according to an embodiment of the present invention includes: a prepayment request sending module, a frozen currency storage module, and a target payment request sending module; wherein,

The prepayment request sending module is configured to generate a prepayment request in response to the first trigger, and send the prepayment request to the payment platform; the prepayment request indicates the second account and the prepayment amount;

The frozen currency storage module is configured to receive the first digital currency corresponding to the prepaid amount, and store the frozen first digital currency in the second account;

The target request sending module is configured to generate a target payment request for the first digital currency in response to a second trigger, and send the target payment request to the payment platform.

To achieve the above purpose, according to yet another aspect of the embodiments of the present invention, a payment system based on digital currency is provided.

A digital currency-based payment system according to an embodiment of the present invention includes: any of the above-mentioned payment platforms and any of the above-mentioned first terminals.

Optionally, the payment system also includes: a second terminal; wherein,

The second terminal is configured to receive a second digital currency and store the second digital currency in the first account.

Optionally, the second terminal is configured to generate a target payment request for the first digital currency in response to a third trigger, and send the target payment request to the payment platform.

Optionally, the second terminal is configured to receive payment information about the prepayment recovery request sent by the payment platform, the payment information indicating the first account, the second account and the prepayment recovery request indicated the amount;

According to the payment information, the prepayment recovery request is verified, and when the verification is passed, the first signature information corresponding to the first account is sent to the payment platform.

To achieve the above purpose, according to yet another aspect of the embodiments of the present invention, an electronic device based on digital currency payment is provided.

An electronic device based on digital currency payment in an embodiment of the present invention includes: one or more processors; a storage device for storing one or more programs, when the one or more programs are used by the one or more The processor executes, so that the one or more processors implement a payment method based on digital currency in the embodiment of the present invention.

To achieve the above purpose, according to still another aspect of the embodiments of the present invention, a computer-readable storage medium is provided.

A computer-readable storage medium according to an embodiment of the present invention stores a computer program thereon, and when the program is executed by a processor, a digital currency-based payment method according to an embodiment of the present invention is implemented.

An embodiment of the above invention has the following advantages or beneficial effects: based on the pre-configured pre-payment deposit smart contract, the first digital currency corresponding to the pre-payment amount is in a frozen state. At this time, the first digital currency that initiates the pre-payment request The second user corresponding to the user and the service provider cannot use the second digital currency. When the target payment request corresponding to the first digital currency in the frozen state is received, the first digital currency in the frozen state is written off according to the prepayment write-off smart contract, and the second number corresponding to the target payment amount is generated Currency, and send the second digital currency to the first account corresponding to the service provider, so that the service provider can use the second digital currency. Therefore, through the prepayment smart contract, the service provider is prevented from using the prepaid digital currency in advance, and the transaction security of the prepayment scenario is improved. Furthermore, it is also possible to revoke or cancel the unused prepaid digital currency, so that the unused prepaid digital currency is returned to the second account corresponding to the first user, which solves the problem that in the existing prepayment scenario, the user cannot target the prepaid digital currency. The problem of refunding the paid currency further improves the transaction security of the pre-payment scenario and protects the rights and interests of users.

The further effects of the above-mentioned non-conventional alternatives will be described below in conjunction with specific embodiments.

Description of drawings

The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:

Fig. 1 is a schematic diagram of the main steps of a digital currency-based payment method according to an embodiment of the present invention;

Fig. 2 is a schematic diagram of the main steps of another digital currency-based payment method according to an embodiment of the present invention;

Fig. 3 is a schematic diagram of the main modules of a digital currency-based payment platform according to an embodiment of the present invention;

Fig. 4 is a schematic diagram of main modules of a first terminal based on digital currency payment according to an embodiment of the present invention;

5 is a schematic diagram of the main modules of a digital currency-based payment system according to an embodiment of the present invention;

6 is a schematic diagram of the main steps of another digital currency-based payment method according to an embodiment of the present invention;

Fig. 7 is a schematic diagram of a digital currency generation process according to an embodiment of the present invention;

Fig. 8 is a schematic diagram of the main steps of another digital currency-based payment method according to an embodiment of the present invention;

FIG. 9 is an exemplary system architecture diagram to which the embodiment of the present invention can be applied;

Fig. 10 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present invention.

detailed description

Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

It should be noted that, in the case of no conflict, the embodiments of the present invention and the technical features in the embodiments can be combined with each other.

Fig. 1 is a schematic diagram of main steps when a digital currency-based payment method is applied to a payment platform according to an embodiment of the present invention.

As shown in Figure 1, when a payment method based on digital currency in an embodiment of the present invention is applied to a payment platform, it mainly includes the following steps:

Step S101: Receive a target payment request for the first digital currency in the frozen state, the first digital currency in the frozen state is generated based on the prepayment request and the pre-configured prepayment deposit smart contract.

In one embodiment of the present invention, the first digital currency can be generated according to the prepayment request and the pre-configured prepayment deposit smart contract in the following manner: receiving the prepayment request from the first terminal, the prepayment request indicating the second account and prepayment amount; according to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract, generate the first digital currency corresponding to the prepayment amount, The state of the first digital currency is a frozen state.

When the first user needs to make a prepayment deposit, the prepayment deposit interface on the first terminal can be triggered, and then, the first terminal generates a prepayment request in response to the first trigger of the first user, and the prepayment The request indicates the second account and the prepaid amount. Wherein, the second account is the account of the first user, and the prepayment amount corresponds to the amount to be deposited during this prepayment.

It is worth mentioning that, in the embodiment of the present invention, terms such as "first" and "second" do not constitute limitations on this solution, nor do they have an absolute correspondence. For example, "first user" does not correspond to "First account", these terms are only for the convenience of distinguishing between different subjects, so as to more clearly explain the embodiment of the present invention. In the embodiment of the present invention, the consumer corresponds to the first user, its corresponding terminal is the first terminal, its corresponding account is the second account, and its corresponding signature information is the second signature information. The service provider corresponds to the second user, its corresponding terminal is the second terminal, its corresponding account is the first account, and its corresponding signature information is the first signature information. In addition, in the embodiment of the present invention, digital currency includes not only legal digital currency issued by the central bank, but also applicable to other electronic and digital currencies or assets, such as various electronic currencies, encrypted currencies, encrypted assets Wait.

When generating the first digital currency, the signature of the source of funds is required. In one embodiment of the present invention, when the second signature information corresponding to the second account is received, according to the prepayment deposit smart contract and the third digital currency in the second account, a digital currency corresponding to the prepayment deposit is generated. The first digital currency corresponding to the payment amount is paid, and the first account corresponding to the first digital currency is determined.

Wherein, the first digital currency may be generated by writing the prepayment deposit smart contract and/or the first account into the first digital currency field as the first digital currency, thereby determining the first The first account corresponding to the digital currency, and due to the mandatory nature of the prepayment deposit smart contract, the corresponding relationship between the first digital currency and the first account cannot be changed.

Here, the source of funds is the second account corresponding to the first terminal that initiates the prepayment request. After receiving the second signature information corresponding to the second account, it means that the source of funds acknowledges the prepayment amount indicated by the prepayment request It can be frozen as the prepaid digital currency corresponding to a specific account (first account). In this case, the first digital currency corresponding to the prepaid amount is generated according to the prepaid deposit smart contract and the third digital currency. Digital currency to ensure the transaction security of the prepayment process.

The second signature information is sent to the payment platform by the first terminal, which can be carried by the prepayment request and sent to the payment platform, or it can be sent to the first digital currency by the payment platform after receiving the prepayment request and preparing to generate the first digital currency. The terminal sends corresponding feedback information, and the first terminal sends the second signature information to the payment platform according to the feedback information. The second signature information may be the authentication information of the first user, or the payment password of the first user, or the like.

During this process, the value of the first digital currency itself as an advance payment is not transferred to the service provider, it is only locked in value by the prepayment deposit smart contract, that is, the state of the first digital currency is frozen state. Moreover, the first digital currency is generated according to the prepayment and deposit smart contract. Due to the mandatory nature of the prepayment and deposit smart contract, the first digital currency can only be used for payment by a specific service provider, that is, the first The first account corresponding to the digital currency (the account of the service provider), only when the first digital currency is used to pay the first account, the first digital currency can be normally paid by the first user.

Based on this, in one embodiment of the present invention, it is determined whether the account indicated by the target payment request this time is the same as the first account; if yes, according to the target payment amount indicated by the target payment request, the second account A digital currency and a pre-configured prepayment write-off smart contract, generating a second digital currency corresponding to the target payment amount; if not, rejecting the target payment request.

In this embodiment, only when the account indicated by the target payment request this time is the same as the first account corresponding to the first digital currency determined by the prepayment deposit smart contract, the payment platform responds to the target payment request, and according to the prepayment deposit The write-off smart contract generates a second digital currency corresponding to the target payment amount. When the account indicated by the target payment request this time is different from the first account, it means that the target payment request is not a request to use the prepaid first digital currency for the service provider stipulated in the prepayment deposit smart contract. At this time, the payment platform refuses Target payment requests to ensure transaction security and the rights and interests of service providers.

In addition, in an embodiment of the present invention, after the first digital currency is generated, the payment platform can also use its own third signature information to sign the first digital currency, and according to the signed first digital currency The currency, the second signature information of the second account, and the prepayment deposit smart contract generate and store the first prepayment transaction information.

According to the foregoing embodiments, the payment platform generates the first digital currency only after obtaining the second signature information corresponding to the second account. Here, after the digital currency is generated, the payment platform uses its own third signature information to sign the first digital currency, so as to generate the first prepayment deposit smart contract according to the first signature information, the second signature information and the prepayment deposit smart contract. Transaction information, in the first prepayment transaction information, it can be recorded that the prepayment balance is the amount deposited during this prepayment process (the denomination of the first digital currency), and the number of prepayment changes is 0.

In one embodiment of the present invention, the prepaid amount (the first digital currency) can be used to pay to a specific service provider; it can also be used to pay to a specific merchant in a merchant collection, for example, to pay to A specific merchant in an e-commerce platform, or used to pay to a specific merchant in a large supermarket; it can also be used to pay to a specific merchant in a certain scenario, such as for payment to A specific merchant in the transportation scenario, or used to pay to a specific merchant in the entertainment scenario.

When the prepayment amount is used to pay to a specific merchant in a certain scenario, the prepayment request also indicates the scenario identifier and/or business identifier; in this case, the payment platform may Two signature information, the prepayment deposit smart contract and the scene identifier and/or business identifier are used to generate the first prepayment transaction information.

Wherein, the scene identifier corresponds to a specific scene, and different scenes have different scene identifiers, for example, a traffic travel scene and an entertainment scene have different scene identifiers. When the prepayment amount is used to pay to a specific merchant in a certain scene, the corresponding scene identification is carried when sending the prepayment request, so that when the prepayment amount (the frozen first digital currency) is used later, it can be convenient Determine whether the target payment request is correct for the corresponding prepayment amount according to the scene identification, thereby improving transaction security. In addition, the service identifier can be the serial number corresponding to the prepayment process (that is, the prepayment service), which can be carried and sent to the payment platform when the first terminal sends the prepayment request, or can be received by the payment platform. It is generated after the prepayment request, that is, the service identifier can be generated by the first terminal or by the payment platform.

When the payment platform generates the first prepayment transaction information, it is not only generated based on the first digital currency, the first signature information, and the prepayment deposit smart contract, but also based on the scene identifier and business identifier. Therefore, the first The prepayment transaction information not only records that the prepayment balance is the amount deposited in this prepayment process (the denomination of the first digital currency), and the number of prepayment changes is 0, but also records the corresponding scene identification and business logo.

It can be understood that after the payment platform generates the corresponding first prepayment transaction, it can send corresponding feedback information to the first terminal of the first user and the second terminal of the service provider (second user), so that the first terminal Or the second terminal carries correct information when sending the target payment request. For example, when the prepayment request indicates the scenario identifier and/or the service identifier, the target payment request sent by the first terminal or the second terminal also indicates the scenario identifier and/or the service identifier.

In addition, in an embodiment of the present invention, the first digital currency can be generated in the following manner: determine the third digital currency in the second account and the available denomination of the third digital currency; A generation method of the first digital currency is determined based on the size of the prepayment amount, and the first digital currency corresponding to the prepayment amount is generated according to the generation method.

In one embodiment of the present invention, when the available denomination is greater than the prepayment amount, it is determined that the generation method is to split the third digital currency; then, when the first digital currency is generated, the The third digital currency is split into the first digital currency and the fourth digital currency, the sum of the denomination of the first digital currency and the denomination of the fourth digital currency is equal to the available denomination, and the second The status of the four digital currencies is available, and the third digital currency is canceled.

For example, when the available denomination of the third digital currency in the second account is 100, and the prepaid amount is 10, the method of generating the requested first digital currency is to split the available digital currency. Here, the third digital currency with a denomination of 100 is split into the first digital currency with a denomination of 10 and the fourth digital currency with a denomination of 90. The denomination of the first digital currency is equal to the requested prepayment amount, And the first digital currency is in a frozen state, the fourth digital currency is in a usable state, and the original third digital currency in the second account is canceled at the same time, that is, the original third digital currency is split into the frozen first digital currency. A digital currency and a fourth digital currency in an available state.

In another embodiment of the present invention, when the available denomination of the third digital currency in the second account is equal to the prepaid amount, the first digital currency is generated in such a way that the available denomination is equal to the third digit of the prepaid amount The currency is identified as the first digital currency, that is, the third digital currency whose available denomination is equal to the prepayment in the third digital currency is identified as the first digital currency.

When the payment platform determines that a plurality of third digital currencies in a usable state are stored in the second account, and the available denominations of the plurality of third digital currencies are equal to the amount of prepayment, the payment platform can use the plurality of third digital currencies equal to the amount of prepayment. A third digital currency is selected as the first digital currency among the digital currencies.

Among them, the identification of the digital currency is mainly to identify the status of the digital currency. For example, when the payment platform determines the third digital currency whose usable denomination is equal to the prepaid amount, the status of the third digital currency can be identified as "Frozen" status or "Prepaid" status. The identified digital currency can no longer be used for market circulation in other general scenarios, but can only be used in specific prepayment scenarios.

In addition, when there are multiple third digital currencies with available denominations smaller than the prepaid amount in the second account, the first digital currency can be generated by combining multiple third digital currencies with available denominations smaller than the prepaid amount.

For example, when the payment platform determines that the third digital currency in the second account is the available digital currency A and the available digital currency B, wherein the available denomination of the available digital currency A is 2, and the available denomination of the available digital currency B is 8. If the payment amount is 10, the available digital currency A and the available digital currency B can be combined to generate the first digital currency.

Of course, the combined denomination of multiple third digital currencies whose available denominations are smaller than the prepaid amount may be greater than the prepaid amount, that is, the sum of multiple available denominations may be greater than the prepaid amount. For example, when the payment platform determines that multiple third digital currencies in the second account are the available digital currency C and the available digital currency D, wherein the available denomination of the available digital currency C is 4, and the available denomination of the available digital currency D is 8. The prepayment amount is 10. At this time, the denomination after combining the available digital currency C and the available digital currency D is 12, that is, the denomination after the combination is greater than the prepayment amount of 10.

In this case, the available digital currency C and the available digital currency D can be combined to generate a digital currency with a denomination of 12, and then the digital currency with a denomination of 12 can be split into a digital currency with a denomination of 10 and a digital currency with a denomination of 2 Currency, the splitting process is the same as the splitting process of the available digital currency whose denomination is greater than the prepaid amount, and will not be repeated here. Then identify the digital currency with a denomination of 10 as the first digital currency. In addition, the digital currency with a denomination of 10 and the digital currency with a denomination of 2 can also be generated directly according to the available digital currency C and the available digital currency D. Alternatively, first split one or more of the third digital currencies, and then combine the split third digital currencies with other third digital currencies to generate the first digital currency corresponding to the prepaid amount, For example, the available digital currency D is first split into a digital currency with a denomination of 6 and a digital currency with a denomination of 2, and then the digital currency with a denomination of 6 is combined with the available digital currency D with a denomination of 4 in the second account to generate The first digital currency corresponding to the prepaid amount 10.

It is worth mentioning that the third digital currency in the second account may include the third digital currency in the usable state and the frozen digital currency in the frozen state. For the prepayment corresponding to the payment request, since the frozen digital currency can only be used in the specific prepayment scenario corresponding to its prepayment request, when the first digital currency is generated here, it is only based on the third digital currency that is in an available state. Generate, that is, generate the first digital currency according to the third digital currency that is available in the second account.

After the first digital currency is generated, the frozen first digital currency can still be frozen in the second account, that is, the first digital currency generated according to the prepayment deposit smart contract is still stored in the consumer's second account Among them, its value is not transferred to the service provider, but is only locked by the prepayment deposit smart contract, so that the first digital currency can only be consumed at the service provider corresponding to the prepayment, that is, it can only be used for Transfer to a specific primary account.

Of course, the frozen first digital currency can also be frozen in the first account (the account corresponding to the service provider) or other third parties (such as payment platforms or other trusted third parties). It can be understood that even if the first digital currency is frozen in the first account, that is, the first digital currency is stored in the account of the service provider, since the first digital currency is in a frozen state, the service provider cannot freely use it The first digital currency, so it can still guarantee the security of transactions and protect the rights and interests of consumers.

Step S102: Generate a second digital currency corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured prepayment write-off smart contract.

According to the foregoing embodiments, when the prepayment request indicates the scene ID and/or the service ID, the target payment request sent by the first terminal or the second terminal will also indicate the scenario ID and/or the service ID. In this case, since the prepayment amount is used to pay for merchants in a specific scenario, the scenario identifier will be verified; or, if the prepayment amount does not specify a specific scenario, then only the corresponding business identifier will be verified. check. In this embodiment, it may be determined whether the scenario identifier and/or service identifier indicated by the target payment request are the same as the scenario identifier and/or service identifier indicated by the first prepayment transaction information;

If so, generate a second digital currency corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured prepayment write-off smart contract;

If not, deny the target payment request.

Here, when the first prepayment transaction information includes the scenario identifier and the service identifier, if the scenario identifier and the service identifier carried in the target payment request are the same as the scenario identifier and the service identifier in the first prepayment transaction information, then The second digital currency is generated according to the target payment request, otherwise the payment platform directly rejects the target payment request, that is, there is no need to generate the second digital currency according to the target payment request. Or, when the first prepayment transaction information includes the service identifier, if the service identifier carried in the target payment request is the same as the service identifier in the first prepayment transaction information, then the second digital currency can also be generated according to the target payment request, Otherwise, the payment platform directly rejects the target payment request, that is, there is no need to generate the second digital currency according to the target payment request. Or, when the first pre-payment transaction information includes the scenario identifier, if the scenario identifier carried in the target payment request is the same as the scenario identifier in the first pre-payment transaction information, then the second digital currency can also be generated according to the target payment request, Otherwise, the payment platform directly rejects the target payment request, that is, there is no need to generate the second digital currency according to the target payment request.

In one embodiment of the present invention, when generating the second digital currency, the payment platform will also determine whether the target payment request includes the signature information of the sender of the target payment request, and if so, generate a digital currency corresponding to the target payment amount the second digital currency.

Wherein, the target payment request can be initiated by the first terminal or by the second terminal, that is, the target payment request can be initiated by the consumer or the service provider, then the sender of the target payment request can be The first terminal may also be the second terminal.

When the sender of the target payment request is the first terminal, the signature information of the sender is the second signature information of the second account information. When generating the second digital currency, it is necessary to obtain the second signature information to represent the first user Authentication of the prepaid amount used this time. Of course, if the sending end is the first terminal, the payment platform can also obtain the first signature information from the second terminal, so as to obtain the service provider's certification that the service can be provided.

When the sender of the target payment request is the second terminal, the signature information of the sender is the first signature information of the first account information, and the payment platform determines that the service provider can provide corresponding services according to the first signature information. In addition, the payment The platform also needs to obtain the second signature information from the first terminal to obtain the authentication of the prepaid amount for this use by the first user.

After obtaining the signature information of the sender of the target payment request and generating the second digital currency, in one embodiment of the present invention, the prepayment write-off smart contract, the signature information of the sender, and its own third signature Information and the difference between the first digital currency and the second digital currency to generate second prepayment transaction information.

Here, when using the prepayment amount, the first prepayment transaction information corresponding to the target payment request can be found according to information such as the business identifier, the scene identifier, the first account and/or the second account carried in the target payment request, Then, according to the prepayment write-off smart contract and the first digital currency corresponding to the first prepayment information, a second digital currency corresponding to the target payment amount is generated. The process of generating the second digital currency is basically the same as that of the aforementioned first digital currency. For example, by splitting the first digital currency, the second digital currency corresponding to the target payment amount and the denomination equal to the first digital currency can be obtained. The difference between the new first digital currency and the second digital currency, the new first digital currency is still in a frozen state, so as to be used for the next prepayment under the same prepayment scenario.

That is to say, in an embodiment of the present invention, each time a target payment request for the first digital currency is received, the difference between the first digital currency and the second digital currency, and the prepayment Write off the smart contract and generate a new frozen No. 1 digital currency. The new frozen No. 1 digital currency can be used for the next prepayment scenario.

In addition, in an embodiment of the present invention, the prepayment can also be made by agreeing on the prepayment period and paying on schedule according to the prepayment period. In this case, the prepayment request also indicates the payment period and the The payment amount corresponding to the payment period; when it is detected that the current time meets the payment period, according to the payment amount and the prepayment write-off smart contract, a second digital currency corresponding to the payment amount is generated, and sending the second digital currency corresponding to the payment amount to the first account.

For example, if the payment period indicated by the prepayment request is monthly payment, and the payment amount corresponding to the payment period is 1, then when the payment platform detects that the interval between the current time and the receiving time of the prepayment request is 1 month, Then generate a second digital currency with a denomination of 1 according to the first digital currency in a frozen state, and send the second digital currency with a denomination of 1 to the first account of the service provider. Alternatively, the payment period indicated by the prepayment request is a specific year, month, and day. If the current time meets the corresponding year, month, and day, the payment platform can generate a second digital currency corresponding to the payment amount based on the frozen first digital currency. . Wherein, the process of generating the second number corresponding to the payment amount is the same as the above-mentioned process of generating the digital currency corresponding to the target payment amount, and will not be repeated here.

After the second digital currency is generated, the original first prepayment information can no longer represent the current payment status. Therefore, the smart contract, first signature information and/or second signature information, and payment platform can be written off according to the prepayment own third signature information and new first digital currency to generate second prepaid transaction information. The prepayment balance in the second prepayment information has deducted the amount of this payment (target payment amount), that is, the prepayment amount in the second prepayment information is the difference between the first digital currency and the target payment amount (new denomination of the first digital currency), and the number of prepayment changes in the second prepayment information is updated to 1. After generating the second prepayment information, the payment platform also records the original first prepayment information as invalid.

It can be understood that when a target payment request corresponding to the same prepayment scenario is received next time, the payment platform can find out the currently valid second prepayment information, and according to the first digital currency in the second prepayment information, Respond to the target payment request to complete the prepayment, and then continue to update the second prepayment information. The operation of updating the second prepayment information is basically the same as the operation of replacing the first prepayment information with the second prepayment information. Let me repeat. In other words, each time a target payment request for prepaid digital currency is received, the target payment request is responded to according to the currently valid prepayment information to complete the prepayment, and then the valid prepayment information is updated.

In addition, when generating a new first digital currency according to the prepayment write-off smart contract, the prepayment write-off smart contract can also be written as a field into the new first digital currency to ensure transaction security.

In the process of continuous use, the remaining prepayment balance may not be enough to realize the current target payment request, that is, the prepayment balance may be less than the target payment amount. Recovery of payment balance. In an embodiment of the present invention, when it is determined that the denomination of the second digital currency is less than the target payment amount, a prepayment recovery reminder is sent to the first terminal that initiated the prepayment request. Thus, the first user can know that the prepayment balance is insufficient according to the prepayment recovery prompt displayed by the first terminal, and thus initiate a corresponding prepayment recovery request through the first terminal.

When the payment platform receives the prepayment recovery request sent by the first terminal according to the prepayment recovery prompt, check whether the first account and the second account indicated by the prepayment recovery request are empty, if not, Obtain first signature information of the first account and second signature information of the second account;

When the first signature information and the second signature information are acquired, according to the pre-configured prepayment recovery smart contract, the amount indicated by the prepayment recovery request, and the first digital currency, a new The first digital currency in a frozen state.

Here, when generating a new first digital currency that is in a frozen state, the prepayment recovery smart contract can also be written into the new first digital currency as a field.

Among them, the prepayment recovery smart contract is used to increase the recharge amount under the existing prepayment clause project. Therefore, when the first user initiates a prepayment recovery request, he should input the second account (payment account) and the first account (payment account) corresponding to the existing prepayment item through the first terminal. Then, when the payment platform receives the prepayment recovery request, it will check whether the first account and the second account indicated by the prepayment recovery request are empty, and if the first account or the second account is empty, the prepayment recovery request will be rejected. Pay the recovery request. In the case that the first account and the second user are not empty, the payment platform can also verify the recovery amount indicated in the prepayment recovery request. The recovery amount should be greater than or equal to 0. If the verification is passed, the payment platform will obtain First signature information and second signature information.

Among them, the second signature information can be sent to the payment platform with the prepayment recovery request, or the payment platform can prompt the first terminal to input . The first signature information may be that the payment platform prompts the second terminal to input after the verification is passed. When the payment platform receives the second signature information, it means that the first user has passed the authentication of this prepayment recovery request. Similarly, when the payment platform receives the first signature information, it means that the service provider (second user) has confirmed You can continue to provide corresponding services for recovery requests. Therefore, if the payment platform obtains the first signature information and the second signature information, it means that both the payer and the service provider corresponding to the recovery request agree to the recovery. The amount indicated in the recovery request, the available digital currency in the second account, and the first digital currency corresponding to the current prepaid balance generate a new first digital currency, which is still in a frozen state.

It can be understood that the denomination of the new first digital currency is equal to the sum of the denomination of the first digital currency generated after the last payment and the recovered amount. Through the prepayment recovery smart contract, the recovery of the prepayment amount is realized. After the recovery, the payment platform can also generate new prepayment transaction information to update the prepayment balance in the prepayment transaction information.

In addition, consumers or service providers can query the smart contract through the pre-configured pre-payment, query the pre-payment balance according to the scene ID, business ID, first account and second account and other information, and also query the payment details of the pre-payment process , and can also sort and paginate the payment detail data according to the write-off time sequence.

Step S103: Send the second digital currency to the first account corresponding to the first digital currency.

In one embodiment of the present invention, if the target payment request is a general payment operation, the second digital currency in the usable state can be sent to the first account after the second digital currency is set to an available state through the payment platform , that is, sending the available second digital currency to the first account of the service provider, then the service provider can use the second digital currency in any digital currency payment scenario.

If the target payment request still corresponds to the prepayment operation, the payable platform can directly send the frozen second digital currency to the first account. After the first account obtains the frozen second digital currency, it still cannot send the second The digital currency is used as a general digital currency in other payment scenarios, but the second digital currency can only be applied to the same specific prepayment scenario as the first digital currency.

When generating the second digital currency, the payment platform also generates a new first digital currency according to the difference between the first digital currency and the second digital currency and the prepayment write-off smart contract, and the new The first digital currency is in a frozen state; the denomination of the new first digital currency is the remaining prepaid amount after this response to the target payment request.

If the consumer or the service provider needs to cancel the remaining prepaid amount for some reason, the consumer can send a cancellation request for the first digital currency to the payment platform through the first terminal and the service provider through the second terminal. It can be understood that the first digital currency mentioned here is the first digital currency generated after the last payment. When the payment platform receives the cancellation request for the first digital currency, it acquires the first signature information of the first account and the second signature information of the second account corresponding to the prepayment request; In the case of the first signature information and the second signature information, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account.

If the payment platform obtains the first signature information and the second signature information, it means that both the consumer and the service provider agree to cancel the current prepayment. At this time, the payment platform can restore the frozen first digital currency to an available state. And send the first digital currency to the second account to return the unused advance payment to the first user, so that the first user can apply the advance payment to other general payment scenarios.

If the payment platform only receives the signature information of one party, such as the payment platform only receives the first signature information or the second signature information, it means that at least one of the consumer and the service provider does not approve the cancellation of the current prepayment. The payment platform can verify the cancellation request as a third party, and can determine whether to respond to the cancellation request according to the verification result.

Wherein, the cancellation request can be initiated by the service provider or by the consumer. For a cancellation request initiated by the consumer, that is, if the cancellation request is sent by the first terminal, the payment platform can determine whether the first digital currency is based on the pre-configured prepayment cancellation smart contract. Revocable; if yes, acquire the first signature information corresponding to the first account and the second signature information corresponding to the second account; if no, reject the revocation request.

Here, if the advance payment is specified as a revocable contract when the advance payment is created, the advance payment can be revoked, otherwise the contract cannot be revoked. During specific operations, the payment platform can query the prepayment revocation smart contract to determine whether the prepayment is a revocable contract, if not, reject the revocation request; After that, the money will be returned to the original route, and the prepaid balance will be updated to 0. The first terminal and the second terminal may also be notified that the cancellation of the contract has been completed, and the prepayment transaction information may be changed. It can be understood that, in the case of normal use of prepayment, that is, after generating the second digital currency corresponding to the target payment amount according to the target payment request and the first digital currency, and sending the second digital currency to the first account , and may also notify the first terminal and the second terminal of the amount consumed this time.

In addition, the cancellation request can be initiated by the service provider. For example, the service provider cancels the consumer’s prepayment service according to the terms of service. At this time, the payment platform will refund the original payment after obtaining the first signature information and the second signature information. And update the prepaid balance to 0. The first terminal and the second terminal may also be notified that the cancellation of the contract has been completed, and the prepayment transaction information may be changed.

In addition, the service provider may forcibly shut down the service corresponding to the prepayment based on abnormal internal transactions, or the service provider is unable to continue to provide services due to store closures, or administrative orders and other mandatory instructions. At this time, the prepayment service needs to be terminated and returned. advance payment. In this embodiment, the payment platform receives a termination instruction; according to the termination instruction and the pre-configured pre-payment termination smart contract, the state of the first digital currency is set to an available state, and the first digital currency is sent to to the second account; and sending prepayment termination prompt information to the first terminal that initiated the prepayment request and the second terminal corresponding to the first account, so as to notify the first terminal and the second terminal that the prepayment service has stopped. In addition, the payment platform can also change the prepayment transaction information according to the returned money, such as changing the prepayment balance to 0.

In an embodiment of the present invention, the payment platform may provide multiple interfaces for receiving different requests, such as freezing the payment interface and unfreezing the payment interface. The freezing payment interface corresponds to operations such as deposit and recovery, and the unfreezing payment interface corresponds to operations such as verification and cancellation.

In one embodiment of the present invention, the prepayment request is received through the frozen payment interface; when the first reverse transaction request is received through the frozen payment interface, the first signature information of the first account and the prepayment request are obtained. The second signature information of the second account corresponding to the payment request; when the first signature information and the second signature information are obtained, the status of the first digital currency is set to an available status, and the The first digital currency is sent to the second account.

Here, in addition to receiving the prepayment request to enable the payment platform to realize the deposit operation, the frozen payment interface can also receive the first reverse transaction request corresponding to the prepayment request. When responding to the first reverse transaction request, the flow of digital currency Contrary to the response process of the prepayment request, that is to say, in the process of responding to the first reverse transaction request, the state of the first digital currency is set to an available state, and the first digital currency is sent to the the second account. For example, after a user initiates a wrong prepayment request, he can initiate a first reverse transaction request to the business platform through the first terminal, and the payment platform can then issue a request for the first reverse transaction after obtaining the first signature information and the second signature information. Requesting a response to return the first digital currency that was frozen in response to the erroneous prepayment request.

Similarly, in one embodiment of the present invention, the target payment request is received through the unfreezing payment interface; when the second reverse transaction request is received through the unfreezing payment interface, the first signature information corresponding to the first account is obtained The second signature information of the second account corresponding to the prepayment request; if the first signature information and the second signature information are obtained, cancel the second digital currency, and according to the target The payment amount is used to update the first digital currency.

In addition to receiving the target payment request to enable the payment platform to implement the verification operation, the unfreezing payment interface can also receive the second reverse transaction request corresponding to the target payment request. When responding to the second reverse transaction request, the flow of digital currency is consistent with the target payment The response process for requests is reversed. That is to say, in the process of responding to the second anti-transaction request, the second digital currency is canceled and the frozen first digital currency is regenerated according to the second digital currency and the generated new first digital currency. For example, after the user initiates a wrong target payment request, he can initiate a second reverse transaction request to the service platform through the first terminal, or, due to an internal transaction error of the merchant, he can also initiate a second reverse transaction request to the service platform through the second terminal ask. After the payment platform obtains the first signature information and the second signature information, it can respond to the second reverse transaction request to cancel the new first digital currency generated according to the wrong target payment request. For example, according to the target transaction request, the business platform generates a second digital currency with a denomination of 3 and a new first digital currency with a denomination of 7 that are still in a frozen state based on the first digital currency with a denomination of 10, and cancels the original digital currency. The first digital currency with a denomination of 10. Then, when responding to the second reverse transaction request for the target transaction request, the payment platform regenerates the first digital currency with a denomination of 10 based on the second digital currency with a denomination of 3 and the first digital currency with a denomination of 7 that is still in a frozen state. digital currency, and cancel the second digital currency with a denomination of 3 and the first digital currency with a denomination of 7.

According to a digital currency-based payment method according to an embodiment of the present invention, it can be seen that based on the pre-configured pre-payment deposit smart contract, the first digital currency corresponding to the pre-payment amount is frozen, and the pre-payment is initiated at this time The first requesting user and the second user corresponding to the service provider cannot use the second digital currency. When the target payment request corresponding to the first digital currency in the frozen state is received, the first digital currency in the frozen state is written off according to the prepayment write-off smart contract, and the second number corresponding to the target payment amount is generated Currency, and send the second digital currency to the first account corresponding to the service provider, so that the service provider can use the second digital currency. Therefore, through the prepayment smart contract, the service provider is prevented from using the prepaid digital currency in advance, and the transaction security of the prepayment scenario is improved. Furthermore, it is also possible to revoke or cancel the unused prepaid digital currency, so that the unused prepaid digital currency is returned to the second account corresponding to the first user, which solves the problem that in the existing prepayment scenario, the user cannot target the prepaid digital currency. The problem of refunding the paid currency further improves the transaction security of the pre-payment scenario and protects the rights and interests of users.

Fig. 2 is a schematic diagram of main steps when a digital currency-based payment method is applied to a first terminal according to an embodiment of the present invention.

As shown in Figure 2, when a payment method based on digital currency in the embodiment of the present invention is applied to the first terminal, it mainly includes the following steps:

Step S201: In response to the first trigger, generate a prepayment request, and send the prepayment request to the payment platform; the prepayment request indicates the second account and the prepayment amount;

Step S202: receiving the first digital currency corresponding to the prepaid amount, and storing the frozen first digital currency in the second account;

Step S203: In response to the second trigger, generate a target payment request for the first digital currency, and send the target payment request to the payment platform.

It can be understood that the first trigger and the second trigger are generally initiated by consumers.

In an embodiment of the present invention, the first terminal may generate the prepayment request and/or the target payment request according to the second signature information of the second account.

In an embodiment of the present invention, the first terminal may send the second signature of the second account to the payment platform in response to the payment platform's feedback on the prepayment request and/or the target payment request information.

In an embodiment of the present invention, the first terminal obtains the payment identification or payment image corresponding to the first account to determine the first account; generates the target payment according to the first account and the second trigger ask.

Here, the first terminal can acquire the payment identification (such as payment code, etc.) According to the first account, various requests such as prepayment request, target payment request and prepayment recovery request are generated according to the first account.

In an embodiment of the present invention, the first terminal may also receive the prepayment recovery prompt sent by the payment platform, and display the prepayment recovery prompt; when receiving the recovery information input according to the prepayment recovery prompt, A prepayment recovery request is generated according to the first account and the second account included in the recovery information, and the prepayment recovery request is sent to the payment platform.

Fig. 3 is a schematic diagram of a digital currency-based payment platform according to an embodiment of the present invention.

As shown in Figure 3, a payment platform 300 based on digital currency in the embodiment of the present invention includes: a request receiving module 301, a verification module 302, and a currency sending module 303; wherein,

The request receiving module 301 is configured to receive a target payment request for the first digital currency in the frozen state, the first digital currency in the frozen state is generated based on the prepayment request and the pre-configured prepayment deposit smart contract ;

The write-off module 302 is configured to generate a second payment corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured pre-payment write-off smart contract. digital currency;

The currency sending module 303 is configured to send the second digital currency to the first account corresponding to the first digital currency.

In one embodiment of the present invention, the write-off module 302 is further configured to generate a new frozen payment based on the difference between the first digital currency and the second digital currency and the prepayment write-off smart contract. The state's first digital currency.

In one embodiment of the present invention, as shown in FIG. 3 , the payment platform further includes a processing module 304; wherein,

The processing module 304 is further configured to obtain the first signature information of the first account and the first signature information of the second account corresponding to the prepayment request when the cancellation request for the first digital currency is received. Two signature information; when the first signature information and the second signature information are obtained, set the state of the first digital currency to an available state, and send the first digital currency to the second account.

In an embodiment of the present invention, the processing module 304 is further configured to receive a prepayment request from the first terminal, the prepayment request indicating the second account and the prepayment amount; according to the prepayment request, the The third digital currency corresponding to the second account and the pre-configured prepayment deposit smart contract generate the first digital currency corresponding to the prepayment amount, and the state of the first digital currency is frozen.

In an embodiment of the present invention, the prepayment request also indicates the first account; the processing module 304 is configured to use the prepayment deposit smart contract and/or the first account as the The field of the first digital currency is written to the first digital currency

In an embodiment of the present invention, the write-off module 302 is configured to determine whether the account indicated by the target payment request this time is the same as the first account; if yes, generate the second account corresponding to the target payment amount Two digital currency; if not, deny the target payment request.

In one embodiment of the present invention, the prepayment deposit module 302 is configured to use its second and third signature information to sign the second digital currency after generating the second digital currency, and to After the second digital currency, the first signature information and the prepayment deposit smart contract, the first prepayment transaction information is generated and stored.

In one embodiment of the present invention, the write-off module 302 is configured to write the prepayment write-off smart contract into the first digital currency as a field of the new first digital currency in a frozen state

In an embodiment of the present invention, in the case that the cancellation request is a cancellation request sent by the first terminal, the processing module 304 is further configured to determine the first number according to the pre-configured prepayment cancellation smart contract Whether the currency is revocable; if yes, acquire the first signature information and the second signature information; if no, reject the revocation request.

In an embodiment of the present invention, the verification module 302 is further configured to use its own third signature information to sign the first digital currency, and according to the signed first digital currency, the The second signature information and the prepayment deposit smart contract generate and store the first prepayment transaction information.

In an embodiment of the present invention, the prepayment request also indicates a scene identifier and/or a business identifier; the processing module 304 is configured to, according to the first digital currency and the second signature information, the prepayment The payment and deposit smart contract and the scene identifier and/or business identifier are used to generate the first prepayment transaction information.

In an embodiment of the present invention, when the target payment request also indicates a scenario ID and/or a business ID, the write-off module 302 is configured to determine the scenario ID and/or business ID indicated by the target payment request this time Or whether the business identifier is the same as the scene identifier and/or business identifier indicated by the first prepayment transaction information; if yes, generate the second digital currency corresponding to the target payment amount; if not, reject the target payment ask.

In an embodiment of the present invention, the prepayment request also indicates the payment term and the payment amount corresponding to the payment term; the verification module 302 is also configured to meet the payment term at the current time In this case, according to the payment amount and the prepayment write-off smart contract, the second digital currency corresponding to the payment amount is generated, and the second digital currency corresponding to the payment amount is sent to the first account.

In an embodiment of the present invention, the verification module 302 is configured to determine whether the target payment request includes the signature information of the sender of the target payment request, and if so, generate a second payment corresponding to the target payment amount. digital currency.

In an embodiment of the present invention, the write-off module 302 is configured to write off the smart contract according to the prepayment, the signature information of the sender, its own third signature information, and the first digital currency and the second digital currency. The difference of the digital currency generates the second prepayment transaction information. .

In one embodiment of the present invention, the processing module 304 is configured to determine the third digital currency in the second account and the available denomination of the third digital currency; according to the size of the available denomination and the prepaid amount , determine the generation method of the first digital currency, and generate the first digital currency corresponding to the prepayment amount according to the generation method.

In one embodiment of the present invention, the processing module 304 is configured to determine that the generating method is to split the third digital currency when the available denomination is greater than the prepaid amount; split the third digital currency Divided into the first digital currency and the fourth digital currency, the sum of the denomination of the first digital currency and the denomination of the fourth digital currency is equal to the available denomination, and the state of the fourth digital currency is usable state, and cancel the third digital currency.

In one embodiment of the present invention, the processing module 304 is configured to freeze the first digital currency in the first account or the second account or payment platform corresponding to the prepayment request.

In one embodiment of the present invention, the currency sending module 303 is configured to send the second digital currency in an available state to the first account after setting the second digital currency in an available state.

In an embodiment of the present invention, the write-off module 302 is further configured to, when it is determined that the denomination of the first digital currency is less than the target payment amount, send a request to the first terminal that initiated the prepayment request Send a prepayment recovery reminder.

In an embodiment of the present invention, the write-off module 302 is further configured to, when receiving the prepayment recovery request sent by the first terminal according to the prepayment recovery prompt, verify the prepayment recovery request. Whether the indicated first account and the second account are empty, if not, obtain the first signature information of the first account and the second signature information of the second account; after obtaining the first signature information and the In the case of the second signature information, a new frozen first digital currency is generated according to the pre-configured prepayment recovery smart contract, the amount indicated by the prepayment recovery request, and the first digital currency.

In an embodiment of the present invention, the processing module 304 is also configured to receive a termination instruction;

According to the termination instruction and the pre-configured pre-payment termination smart contract, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account corresponding to the pre-payment request; And sending prepayment termination prompt information to the first terminal that initiated the prepayment request and the second terminal corresponding to the first account.

In an embodiment of the present invention, the prepayment request is received through the frozen payment interface; the processing module 304 is further configured to acquire the first account when receiving the first reverse transaction request through the frozen payment interface the first signature information of the prepayment request and the second signature information of the second account corresponding to the prepayment request; when the first signature information and the second signature information are obtained, the first digital currency’s The state is set to an available state, and the first digital currency is sent to the second account.

In an embodiment of the present invention, the target payment request is received through the unfreezing payment interface; the processing module 304 is further configured to acquire the first account when receiving the second reverse transaction request through the unfreezing payment interface The corresponding first signature information and the second signature information of the second account corresponding to the prepayment request; when the first signature information and the second signature information are obtained, cancel the second digital currency , and update the first digital currency according to the target payment amount.

According to a payment platform based on digital currency according to the embodiment of the present invention, it can be seen that based on the pre-configured pre-payment deposit smart contract, the first digital currency corresponding to the pre-payment amount is in a frozen state, and the pre-payment is initiated at this time The first requesting user and the second user corresponding to the service provider cannot use the second digital currency. When the target payment request corresponding to the first digital currency in the frozen state is received, the first digital currency in the frozen state is written off according to the prepayment write-off smart contract, and the second number corresponding to the target payment amount is generated Currency, and send the second digital currency to the first account corresponding to the service provider, so that the service provider can use the second digital currency. Therefore, through the prepayment smart contract, the service provider is prevented from using the prepaid digital currency in advance, and the transaction security of the prepayment scenario is improved. Furthermore, it is also possible to revoke or cancel the unused prepaid digital currency, so that the unused prepaid digital currency is returned to the second account corresponding to the first user, which solves the problem that in the existing prepayment scenario, the user cannot target the prepaid digital currency. The problem of refunding the paid currency further improves the transaction security of the pre-payment scenario and protects the rights and interests of users.

Fig. 4 is a schematic diagram of a first terminal based on digital currency payment according to an embodiment of the present invention.

As shown in Figure 4, the first terminal 400 based on digital currency payment in the embodiment of the present invention includes: a prepayment request sending module 401, a frozen currency storage module 402 and a target payment request sending module 403; wherein,

The prepayment request sending module 401 is configured to generate a prepayment request in response to the first trigger, and send the prepayment request to the payment platform; the prepayment request indicates a second account and a prepayment amount;

The frozen currency storage module 402 is configured to receive the first digital currency corresponding to the prepaid amount, and store the frozen first digital currency in the second account;

The target request sending module 403 is configured to generate a target payment request for the first digital currency in response to a second trigger, and send the target payment request to the payment platform.

In an embodiment of the present invention, the first terminal generates the prepayment request and/or the target payment request according to the second signature information of the second account.

In an embodiment of the present invention, the first terminal sends the second account information of the second account to the payment platform in response to the payment platform's feedback on the prepayment request and/or the target payment request. signature information.

In an embodiment of the present invention, the first terminal obtains the payment identification or payment image corresponding to the first account to determine the first account; according to the first account and the second trigger, the Target payment request.

In an embodiment of the present invention, the first terminal receives the prepayment recovery prompt sent by the payment platform, and displays the prepayment recovery prompt; when receiving the recovery information input according to the prepayment recovery prompt, A prepayment recovery request is generated according to the first account and the second account included in the recovery information, and the prepayment recovery request is sent to the payment platform.

Fig. 5 is a schematic diagram of a digital currency-based payment system according to an embodiment of the present invention.

As shown in FIG. 5 , a payment system 500 based on digital currency in an embodiment of the present invention includes: the payment platform 300 provided in any of the above embodiments and the first terminal 400 provided in any of the above embodiments.

In an embodiment of the present invention, the payment system 500 may further include: a second terminal 501; wherein,

The second terminal 501 is configured to receive the second digital currency and store the second digital currency in the first account.

In an embodiment of the present invention, the second terminal 501 is configured to generate a target payment request for the first digital currency in response to a third trigger, and send the target payment request to the payment platform. It can be understood that the third trigger is generally initiated by the service provider (merchant side).

In an embodiment of the present invention, the second terminal 501 is configured to receive the payment information about the prepayment recovery request sent by the payment platform, and the payment information indicates the first account, the second account and the prepaid account. Pay the amount indicated by the recovery request; verify the prepayment recovery request according to the payment information, and send the first signature information corresponding to the first account information to the payment platform when the verification is passed.

The following will take the application of the payment system as an example to describe the payment method based on digital currency provided by the embodiment of the present invention in detail. Figure 6 shows the main steps included in the method, and Figure 7 shows the payment method of digital currency in the payment process. build process. As shown in Figure 6, the method mainly includes the following steps:

Step S601: The first terminal generates a prepayment request according to the first trigger of the consumer, and sends the prepayment request to the payment platform. The prepayment request indicates the second account and the prepayment amount.

For example, the prepayment amount is 10, the digital currency in the second account is the third digital currency in available state, and the available denomination of the third digital currency is 100.

Step S602, the payment platform generates the first digital currency corresponding to the prepayment amount according to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract, and the first digital currency corresponding to the prepayment amount. The status of a digital currency is frozen.

In this example, the payment platform splits the third digital currency with a denomination of 100 in the second account into the first digital currency with a denomination of 10 and the fourth digital currency with a denomination of 90, wherein the first digital currency is in a frozen state , the fourth digital currency is available.

Step S603: the payment platform sends the first digital currency to the first terminal, so that the first terminal stores the frozen first digital currency in the second account.

Step S604: The first terminal generates a target payment request for the frozen first digital currency according to the second trigger of the first user, and sends the target payment request to the payment platform, the target payment request indicating the target payment amount .

For example, the target payout amount is 3.

Step S605: The payment platform generates a second digital currency corresponding to the target payment amount according to the target payment amount, the first digital currency, and the pre-configured prepayment write-off smart contract.

Here, the payment platform generates a second digital currency with a denomination of 3 and a new first digital currency with a denomination of 7 based on the first digital currency with a denomination of 10 according to the prepayment verification smart contract, and can transfer the second digital currency The currency's status is set to Universal, while the new first digital currency remains frozen.

Step S606: the payment platform sends the second digital currency to the second terminal, so that the second terminal stores the second digital currency in the first account.

It can be understood that the payment platform will also send the new first digital currency to the first terminal, so that the frozen first digital currency is still stored in the second account. When a new target payment request is received again, the target payment request is for a new first digital currency, and based on the above process, the first digital currency can continue to be split to be consumed according to the prepaid digital currency.

In the embodiment of the present invention, the frozen first digital currency may also be stored on the payment platform or in the first account, and during the write-off process of the prepayment, the target payment request may also be initiated by the service provider, the following is still The above process will be described in detail with reference to the digital currency generation process shown in FIG. 7 . As shown in Figure 8, the method mainly includes the following steps:

Step S801: The first terminal generates a prepayment request according to the first trigger of the consumer, and sends the prepayment request to the payment platform. The prepayment request indicates the second account and the prepayment amount.

For example, the prepayment amount is 10, the digital currency in the second account is the third digital currency in available state, and the available denomination of the third digital currency is 100.

Step S802: The payment platform generates the first digital currency corresponding to the prepayment amount according to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract. The status of a digital currency is frozen.

In this example, the payment platform splits the third digital currency with a denomination of 100 in the second account into the first digital currency with a denomination of 10 and the fourth digital currency with a denomination of 90, wherein the first digital currency is in a frozen state , the fourth digital currency is available.

Step S803: the payment platform sends the first digital currency to the second terminal, so that the second terminal stores the frozen first digital currency in the first account.

It can be understood that after the first digital currency is generated, the payment platform may also store the first digital currency locally, and send a notification that the first digital currency has been generated to the first terminal and/or the second terminal.

Step S804: The second terminal generates a target payment request for the frozen first digital currency according to the third trigger of the service provider, and sends the target payment request to the payment platform, and the target payment request indicates the target payment amount .

For example, the target payout amount is 3.

Step S805: The payment platform generates a second digital currency corresponding to the target payment amount according to the target payment amount, the first digital currency, and the pre-configured prepayment write-off smart contract.

Here, the payment platform generates a second digital currency with a denomination of 3 and a new first digital currency with a denomination of 7 based on the first digital currency with a denomination of 10 according to the prepayment verification smart contract, and can transfer the second digital currency The currency's status is set to Universal, while the new first digital currency remains frozen.

Step S806: the payment platform sends the second digital currency to the second terminal, so that the second terminal stores the second digital currency in the first account.

It can be understood that the payment platform will also send the new first digital currency to the second terminal, so that the frozen second digital currency is still stored in the first account. When a new target payment request is received again, the target payment request is for a new first digital currency, and based on the above process, the first digital currency can continue to be split to be consumed according to the prepaid digital currency.

In addition, in the embodiment of the present invention, there is no corresponding relationship between the depositor of the first digital currency and the originator of the target payment request. For example, the embodiments shown in FIG. 6 and FIG. 8 can be used to realize prepayment. In addition to the embodiments shown in Figure 6 and Figure 8, when implementing the payment method provided by the embodiment of the present invention, when the first digital currency is stored in the first terminal, the second terminal can also initiate a target payment request; when the first digital currency When the currency is stored in the second terminal, the target payment request can also be initiated by the first terminal; or, when the first digital currency is stored in the payment platform, the target payment request can be initiated by the first terminal, or the target payment request can be initiated by the second terminal Payment request.

FIG. 9 shows an exemplary system architecture 900 of a digital currency-based payment method or a digital currency-based payment system to which an embodiment of the present invention can be applied.

As shown in FIG. 9 , a system architecture 900 may include terminal devices 901 , 902 , and 903 , a network 904 and a server 905 . The network 904 is used as a medium for providing communication links between the terminal devices 901 , 902 , 903 and the server 905 . Network 904 may include various connection types, such as wires, wireless communication links, or fiber optic cables, among others.

Users can use terminal devices 901, 902, 903 to interact with server 905 through network 904 to receive or send messages and the like. Various communication client applications can be installed on the terminal devices 901, 902, and 903, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, and the like.

The terminal devices 901, 902, and 903 may be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

The server 905 may be a server that provides various services, such as a background management server that provides support for shopping websites browsed by users using the terminal devices 901 , 902 , and 903 . The background management server can analyze and process the received data such as product information query requests, and feed back the processing results to the terminal device.

It should be understood that the numbers of terminal devices, networks and servers in FIG. 9 are only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.

Referring now to FIG. 10 , it shows a schematic structural diagram of a computer system 1000 suitable for implementing a terminal device according to an embodiment of the present invention. The terminal device shown in FIG. 10 is only an example, and should not limit the functions and scope of use of this embodiment of the present invention.

As shown in FIG. 10 , a computer system 1000 includes a central processing unit (CPU) 1001, which can operate according to a program stored in a read-only memory (ROM) 1002 or a program loaded from a storage section 1008 into a random-access memory (RAM) 1003 Instead, various appropriate actions and processes are performed. In the RAM 1003, various programs and data necessary for the operation of the system 1000 are also stored. The CPU 1001 , ROM 1002 , and RAM 1003 are connected to each other via a bus 1004 . An input/output (I/O) interface 1005 is also connected to the bus 1004 .

The following components are connected to the I/O interface 1005: an input section 1006 including a keyboard, a mouse, etc.; an output section 1007 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 1008 including a hard disk, etc. and a communication section 1009 including a network interface card such as a LAN card, a modem, or the like. The communication section 1009 performs communication processing via a network such as the Internet. A drive 1010 is also connected to the I/O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 1010 as necessary so that a computer program read therefrom is installed into the storage section 1008 as necessary.

In particular, according to the disclosed embodiments of the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the disclosed embodiments of the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, where the computer program includes program codes for executing the methods shown in the flowcharts. In such an embodiment, the computer program may be downloaded and installed from a network via communication portion 1009 and/or installed from removable media 1011 . When this computer program is executed by a central processing unit (CPU) 1001, the above-described functions defined in the system of the present invention are performed.

It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. A computer readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, however, a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, in which computer-readable program codes are carried. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction 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 wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.

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 invention. In this regard, each block in a flowchart or block diagram may represent a module, program segment, or portion of code that includes one or more logical functions for implementing specified executable instructions. 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 they may sometimes be executed in the reverse order, depending upon the functionality involved. It is also to be noted that each block in the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations, can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a A combination of dedicated hardware and computer instructions.

The modules involved in the embodiments described in the present invention may be realized by software or by hardware. The described modules can also be set in a processor, for example, it can be described as: a processor includes a prepayment request sending module, a frozen currency storage module and a target payment request sending module. Wherein, the names of these modules do not constitute a limitation of the module itself under certain circumstances, for example, the request receiving module may also be described as "a module that receives a target payment request for the first digital currency that is in a frozen state".

As another aspect, the present invention also provides a computer-readable medium. The computer-readable medium may be contained in the device described in the above embodiments, or it may exist independently without being assembled into the device. The above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by one of the devices, the device includes: receiving a target payment request for the first digital currency in a frozen state, the freezing The first digital currency in the state is generated based on the pre-payment request and the pre-configured pre-payment deposit smart contract; according to the target payment amount indicated by the target payment request, the first digital currency and the pre-configured pre-payment core Sell the smart contract to generate a second digital currency corresponding to the target payment amount; send the second digital currency to the first account corresponding to the first digital currency.

According to the technical solution of the embodiment of the present invention, based on the pre-configured pre-payment deposit smart contract, the first digital currency corresponding to the pre-payment amount is in a frozen state. At this time, the first user who initiates the pre-payment request and the service provider The corresponding second user cannot use the second digital currency. When the target payment request corresponding to the first digital currency in the frozen state is received, the first digital currency in the frozen state is written off according to the prepayment write-off smart contract, and the second number corresponding to the target payment amount is generated Currency, and send the second digital currency to the first account corresponding to the service provider, so that the service provider can use the second digital currency. Therefore, through the prepayment smart contract, the service provider is prevented from using the prepaid digital currency in advance, and the transaction security of the prepayment scenario is improved. Furthermore, it is also possible to revoke or cancel the unused prepaid digital currency, so that the unused prepaid digital currency is returned to the second account corresponding to the first user, which solves the problem that in the existing prepayment scenario, the user cannot target the prepaid digital currency. The problem of refunding the paid currency further improves the transaction security of the pre-payment scenario and protects the rights and interests of users.

The above specific implementation methods do not constitute a limitation to the protection scope of the present invention. It should be apparent to those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.

Claims (33)

1. A digital currency-based payment method, characterized in that it is applied to a payment platform; comprising: receiving a target payment request for the first digital currency in the frozen state, the first digital currency in the frozen state is generated based on the prepayment request and the pre-configured prepayment deposit smart contract; Generate a second digital currency corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured prepayment write-off smart contract; Send the second digital currency to the first account corresponding to the first digital currency. 2. The method of claim 1, wherein, According to the difference between the first digital currency and the second digital currency and the prepayment write-off smart contract, a new frozen first digital currency is generated. 3. The method according to claim 1 or 2, further comprising: In the case of receiving a cancellation request for the first digital currency, acquiring first signature information of the first account and second signature information of a second account corresponding to the prepayment request; When the first signature information and the second signature information are obtained, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account. 4. The method according to claim 1, further comprising: before receiving the target payment request for the first digital currency in a frozen state: receiving a prepayment request from the first terminal, the prepayment request indicating the second account and the prepayment amount; According to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract, a first digital currency corresponding to the prepayment amount is generated, and the first digital currency status is Frozen. 5. The method according to claim 4, wherein the prepayment request also indicates the first account; Writing the prepayment deposit smart contract and/or the first account into the first digital currency as a field of the first digital currency. 6. The method of claim 5, wherein, Determine whether the account indicated by the target payment request this time is the same as the first account; If so, generating a second digital currency corresponding to the target payment amount; If not, deny the target payment request. 7. The method according to claim 4, wherein the prepayment request also indicates a payment term and a payment amount corresponding to the payment term; further comprising: When it is detected that the current time meets the payment deadline, according to the payment amount and the prepayment write-off smart contract, a second digital currency corresponding to the payment amount is generated and will be corresponding to the payment amount The second digital currency of is sent to the first account. 8. The method of claim 2, wherein, Writing the prepayment write-off smart contract into the first digital currency as a field of the new first digital currency in a frozen state. 9. The method according to claim 3, further comprising: when the cancellation request is a cancellation request sent by the first terminal: determining whether the first digital currency is revocable according to the pre-configured pre-payment revocation smart contract; If yes, acquiring the first signature information and the second signature information; If not, the revocation request is denied. 10. The method according to claim 9, further comprising: after generating the second digital currency: Use its own third signature information to sign the first digital currency, and generate and store the first digital currency according to the signed first digital currency, the second signature information and the prepayment deposit smart contract 1. Prepaid transaction information. 11. The method according to claim 10, wherein the prepayment request also indicates a scene ID and/or a service ID; The first prepayment transaction information is generated according to the first digital currency and the second signature information, the prepayment deposit smart contract, and the scenario identifier and/or service identifier. 12. The method according to claim 11, further comprising: when the target payment request also indicates a scene ID and/or a service ID: Determine whether the scenario identifier and/or service identifier indicated by the target payment request this time are the same as the scenario identifier and/or service identifier indicated by the first prepayment transaction information; If so, generating a second digital currency corresponding to the target payment amount; If not, deny the target payment request. 13. The method of claim 1, further comprising: Determine whether the target payment request includes the signature information of the sender of the target payment request, and if yes, generate a second digital currency corresponding to the target payment amount. 14. The method of claim 10, further comprising: Generate second prepayment transaction information according to the prepayment write-off smart contract, the signature information of the sender, its own third signature information, and the difference between the first digital currency and the second digital currency. 15. The method according to claim 4, characterized in that, according to the prepayment request, the third digital currency corresponding to the second account, and the pre-configured prepayment deposit smart contract, a The first digital currency corresponding to the above prepaid amount, including: determining a third digital currency in the second account and an available denomination of the third digital currency; A generation method of the first digital currency is determined according to the available denomination and the prepayment amount, and the first digital currency corresponding to the prepayment amount is generated according to the generation method. 16. The method according to claim 15, characterized in that, when the available denomination is greater than the prepaid amount, it is determined that the generation method is to split the third digital currency; Splitting the third digital currency into the first digital currency and the fourth digital currency, the sum of the denominations of the first digital currency and the fourth digital currency is equal to the available denomination, and the The status of the fourth digital currency is usable, and the third digital currency is canceled. 17. The method of claim 1, further comprising: freezing the first digital currency in the first account or the second account or payment platform corresponding to the prepayment request; and / or, After the second digital currency is set to be available, the second digital currency in the available state is sent to the first account. 18. The method of claim 1, further comprising: When it is determined that the denomination of the first digital currency is less than the target payment amount, a prepayment recovery reminder is sent to the first terminal that initiated the prepayment request. 19. The method of claim 18, further comprising: When receiving the prepayment recovery request sent by the first terminal according to the prepayment recovery prompt, check whether the first account and the second account indicated by the prepayment recovery request are empty, and if not, obtain the The first signature information of the first account and the second signature information of the second account; When the first signature information and the second signature information are acquired, according to the pre-configured prepayment recovery smart contract, the amount indicated by the prepayment recovery request, and the first digital currency, a new The first digital currency in a frozen state. 20. The method of claim 1, further comprising: receive termination instructions; According to the termination instruction and the pre-configured pre-payment termination smart contract, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account corresponding to the pre-payment request; as well as Sending prepayment termination prompt information to the first terminal that initiated the prepayment request and the second terminal corresponding to the first account. 21. The method according to claim 1, wherein the prepayment request is received through a freezing payment interface; further comprising: When a first reverse transaction request is received through the frozen payment interface, acquiring first signature information of the first account and second signature information of a second account corresponding to the prepayment request; When the first signature information and the second signature information are obtained, the state of the first digital currency is set to an available state, and the first digital currency is sent to the second account. 22. The method according to claim 1, wherein the target payment request is received through the unfreezing payment interface; further comprising: When a second reverse transaction request is received through the unfreezing payment interface, acquiring the first signature information corresponding to the first account and the second signature information of the second account corresponding to the prepayment request; When the first signature information and the second signature information are obtained, cancel the second digital currency, and update the first digital currency according to the target payment amount. 23. A payment method based on digital currency, characterized in that it is applied to the first terminal; comprising: In response to the first trigger, generate a prepayment request, and send the prepayment request to the payment platform; the prepayment request indicates the second account and the prepayment amount; receiving the first digital currency corresponding to the prepaid amount, and storing the frozen first digital currency in the second account; In response to the second trigger, generate a target payment request for the first digital currency, and send the target payment request to the payment platform. 24. The method of claim 23, further comprising: generating the prepayment request and/or the target payment request according to the second signature information of the second account; and / or, In response to the payment platform's feedback on the prepayment request and/or the target payment request, send the second signature information of the second account to the payment platform. 25. The method of claim 23, further comprising: Obtaining a payment identification or a payment image corresponding to the first account to determine the first account; Generate the target payment request according to the first account and the second trigger. 26. The method of claim 25, further comprising: receiving the prepayment recovery prompt sent by the payment platform, and displaying the prepayment recovery prompt; When receiving the recovery information input according to the prompt for recovery of prepayment, generate a request for recovery of prepayment according to the first account and second account included in the recovery information, and send the request for recovery of prepayment to the payment platform. 27. A payment platform based on digital currency, characterized in that it includes: a request receiving module, a verification module and a currency sending module; wherein, The request receiving module is configured to receive a target payment request for the first digital currency in the frozen state, the first digital currency in the frozen state is generated based on the prepayment request and the pre-configured prepayment deposit smart contract; The write-off module is configured to generate a second number corresponding to the target payment amount according to the target payment amount indicated by the target payment request, the first digital currency, and the pre-configured pre-payment write-off smart contract currency; The currency sending module is configured to send the second digital currency to the first account corresponding to the first digital currency. 28. A first terminal based on digital currency payment, characterized in that it includes: a prepayment request sending module, a frozen currency storage module and a target payment request sending module; wherein, The prepayment request sending module is configured to generate a prepayment request in response to the first trigger, and send the prepayment request to the payment platform; the prepayment request indicates the second account and the prepayment amount; The frozen currency storage module is configured to receive the first digital currency corresponding to the prepaid amount, and store the frozen first digital currency in the second account; The target request sending module is configured to generate a target payment request for the first digital currency in response to a second trigger, and send the target payment request to the payment platform. 29. A payment system based on digital currency, comprising: the payment platform as claimed in claim 27 and the first terminal as claimed in claim 28. 30. The payment system according to claim 29, further comprising: a second terminal; wherein, The second terminal is used to receive a second digital currency and store the second digital currency in the first account; and / or, The second terminal is configured to generate a target payment request for the first digital currency in response to a third trigger, and send the target payment request to the payment platform. 31. The payment system of claim 30, wherein: The second terminal is configured to receive payment information about the prepayment recovery request sent by the payment platform, the payment information indicating the first account, the second account, and the amount indicated in the prepayment recovery request; According to the payment information, the prepayment recovery request is verified, and when the verification is passed, the first signature information with the first account is sent to the payment platform. 32. An electronic device based on digital currency payment, comprising: one or more processors; storage means for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1-22, 23-26. 33. A computer-readable medium, on which a computer program is stored, wherein, when the program is executed by a processor, the method according to any one of claims 1-22, 23-26 is implemented.

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