Payment tokenization method, apparatus and system based on digital currency sub-wallet

A payment tokenization system based on a digital currency sub-wallet, comprising:

• a digital wallet system, a token service provider and an operating system, wherein,
• the digital wallet system parses a payment token acquisition request of a user, so as to obtain a target digital wallet, a target merchant, and a wallet payment password corresponding to the target digital wallet;
• sends the wallet payment password to an operating system of the target digital wallet, so that the operating system of the target digital wallet verifies the wallet payment password;
• in the case that the verification is passed, the digital wallet system sends a sub-wallet opening request to the operating system of the target digital wallet, and the operating system of the target digital wallet generates a digital currency sub-wallet corresponding to the target digital wallet and the target merchant, and returns a sub-wallet opening result to the digital wallet system;
• when judging according to the sub-wallet opening result that wallet opening is successful, the digital wallet system sends a payment token generation request to the token service provider;
• the token service provider generates a payment token corresponding to the digital currency sub-wallet, and then returns a payment token generation result to the digital wallet system;
• the digital wallet system acquires a risk control level of the target digital wallet and historical consumption data of the consumption account of the user in the target merchant;
• and determines, according to the historical consumption data of the consumption account and the risk control level, a payment limit of the payment token corresponding to the consumption account;
• the digital wallet system receives a collection request sent by a target merchant background system in response to a consumption request of a user, wherein the collection request comprises the payment token and a collection amount of the user, wherein a digital currency sub-wallet of the payment token corresponds to a target merchant;
• the digital wallet system determines, according to the payment token, a target operation mechanism background system corresponding to the digital currency sub-wallet, and sends a collection request message to the target operation mechanism background system;
• and
• the digital wallet system receives digital currency transferred from the target operation mechanism background system in response to the collection request message, and when it is verified that the transferred digital currency is consistent with the collection amount and is less than the payment limit, pushes payment result information to the target merchant background system, and the target merchant background system pushes payment success information to the user.

A payment tokenization electronic device based on a digital currency sub-wallet, comprising:

• one or more processors;
• and
• a storage apparatus, configured to store one or more programs, wherein
• when the one or more programs are executed by the one or more processors, the one or more processors implement the following actions:
• a digital wallet system parsing a payment token acquisition request of a user, as to obtain a target digital wallet, a target merchant, and a wallet payment password corresponding to the target digital wallet;
• the digital wallet system sending the wallet payment password to an operating system of the target digital wallet;
• the operating system of the target digital wallet verifying the wallet payment password;
• the digital wallet system receiving a verification result returned by the operating system of the target digital wallet;
• in a case that the verification result is passed, the digital wallet system sending a sub-wallet opening request to the operating system of the target digital wallet;
• the operating system of the target digital wallet generating a digital currency sub-wallet corresponding to the target digital wallet and the target merchant;
• the digital wallet system receiving a sub-wallet opening result returned by the operating system of the target digital wallet;
• in a case that wallet opening is successful, the digital wallet system sending a payment token generation request to a token service provider;
• the token service provider generating a payment token corresponding to the digital currency sub-wallet;
• the digital wallet system receiving a payment token generation result returned by the token service provider;
• the digital wallet system acquiring a risk control level of the target digital wallet and historical consumption data of the consumption account of the user in the target merchant;
• the digital wallet system determining, according to the historical consumption data of the consumption account and the risk control level, a payment limit of the payment token corresponding to the consumption account;
• the digital wallet system receiving a collection request sent by a target merchant background system in response to a consumption request of a user, wherein the collection request comprises the payment token and a collection amount of the user, wherein a digital currency sub-wallet of the payment token corresponds to a target merchant;
• the digital wallet system determining, according to the payment token, a target operation mechanism background system corresponding to the digital currency sub-wallet;
• the digital wallet system sending a collection request message to the target operation mechanism background system;
• the digital wallet system receiving digital currency transferred from the target operation mechanism background system in response to the collection request message;
• when it is verified that the transferred digital currency is consistent with the collection amount and is less than the payment limit, the digital wallet system pushing payment result information to the target merchant background system;
• and
• the target merchant background system pushing payment success information to the user.

A non-transitory computer-readable medium, on which a computer program is stored, wherein the program, when being executed by a processor, implements the following actions:

• a digital wallet system parsing a payment token acquisition request of a user, as to obtain a target digital wallet, a target merchant, and a wallet payment password corresponding to the target digital wallet;
• the digital wallet system sending the wallet payment password to an operating system of the target digital wallet;
• the operating system of the target digital wallet verifying the wallet payment password;
• the digital wallet system receiving a verification result returned by the operating system of the target digital wallet;
• in a case that the verification result is passed, the digital wallet system sending a sub-wallet opening request to the operating system of the target digital wallet;
• the operating system of the target digital wallet generating a digital currency sub-wallet corresponding to the target digital wallet and the target merchant;
• the digital wallet system receiving a sub-wallet opening result returned by the operating system of the target digital wallet;
• in a case that wallet opening is successful, the digital wallet system sending a payment token generation request to a token service provider;
• the token service provider generating a payment token corresponding to the digital currency sub-wallet;
• the digital wallet system receiving a payment token generation result returned by the token service provider;
• the digital wallet system acquiring a risk control level of the target digital wallet and historical consumption data of the consumption account of the user in the target merchant;
• the digital wallet system determining, according to the historical consumption data of the consumption account and the risk control level, a payment limit of the payment token corresponding to the consumption account;
• the digital wallet system receiving a collection request sent by a target merchant background system in response to a consumption request of a user, wherein the collection request comprises the payment token and a collection amount of the user, wherein a digital currency sub-wallet of the payment token corresponds to a target merchant;
• the digital wallet system determining, according to the payment token, a target operation mechanism background system corresponding to the digital currency sub-wallet;
• the digital wallet system sending a collection request message to the target operation mechanism background system;
• the digital wallet system receiving digital currency transferred from the target operation mechanism background system in response to the collection request message;
• when it is verified that the transferred digital currency is consistent with the collection amount and is less than the payment limit, the digital wallet system pushing payment result information to the target merchant background system;
• and
• the target merchant background system pushing payment success information to the user.