WO2016138862A1 - 一种用于处理电子货币的方法与设备 - Google Patents

一种用于处理电子货币的方法与设备 Download PDF

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Publication number
WO2016138862A1
WO2016138862A1 PCT/CN2016/075365 CN2016075365W WO2016138862A1 WO 2016138862 A1 WO2016138862 A1 WO 2016138862A1 CN 2016075365 W CN2016075365 W CN 2016075365W WO 2016138862 A1 WO2016138862 A1 WO 2016138862A1
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Prior art keywords
account
unit
output
user
currency
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PCT/CN2016/075365
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English (en)
French (fr)
Inventor
陈荣
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Shanghai Luluyou Information Technology Co Ltd
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Shanghai Luluyou Information Technology Co Ltd
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Priority to RU2017112732A priority Critical patent/RU2017112732A/ru
Priority to JP2017538287A priority patent/JP2017535011A/ja
Priority to BR112017007304A priority patent/BR112017007304A2/pt
Priority to EP16758477.0A priority patent/EP3267382A1/en
Priority to KR1020177010085A priority patent/KR20170067779A/ko
Priority to CN201680000084.6A priority patent/CN105659267B/zh
Publication of WO2016138862A1 publication Critical patent/WO2016138862A1/zh
Priority to US15/442,643 priority patent/US20170169405A1/en
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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Definitions

  • the present application relates to the field of Internet finance technologies, and in particular, to a technology for processing electronic money.
  • the present application provides a method and apparatus for processing electronic money to achieve control over the payment and circulation of electronic money.
  • a method for processing electronic money provided by the present application includes:
  • the account status information includes a correspondence between the unit identification information of the monetary unit and the denomination encoded.
  • the application also provides an apparatus for processing electronic money, the apparatus comprising:
  • a first device configured to divide the electronic money in the user account into one or more currency units
  • a second device configured to determine, by the encoding process, unit identification information of at least one of the one or more monetary units
  • a third device configured to establish account status information corresponding to the user account, where the account status
  • the information includes a correspondence relationship between the unit identification information of the monetary unit processed and the denomination.
  • the embodiment of the present application divides the denomination of the electronic money in the user account into one or more monetary units; and "encodes" each monetary unit to generate unique unit identification information;
  • the unit identification information is tied to the currency denomination.
  • FIG. 1 is a flow chart of a method for processing electronic money according to an embodiment of the present invention.
  • FIG. 2 is a flow chart of a method for processing electronic money according to an embodiment of the present invention.
  • FIG. 3 is a schematic structural diagram of an electronic money processing device according to an embodiment of the present invention.
  • FIG. 4 is a schematic structural diagram of an electronic money processing device in another embodiment of the present invention.
  • FIG. 1 is a flow chart of a method for processing electronic money according to an embodiment of the present invention.
  • Step S11 dividing the electronic money in the user account into one or more currency units
  • Step S12 determining unit identification information of at least one of the one or more monetary units by an encoding process
  • Step S13 Establish account status information corresponding to the user account, where the account status information includes a correspondence between the unit identification information of the monetary unit and the denomination.
  • the electronic money refers to a currency usable for payment, including but not limited to at least one of the following: 1) an electronically paid currency, the payment method including, for example, a stored value card, a credit card, E-checks, e-wallets, etc.; 2) virtual currency, such as Q coins, Baidu coins, etc.; 3) points, vouchers, coupons, etc.
  • the monetary unit refers to the amount of money that is inseparable in the payment and circulation of electronic money, and may also refer to the basic unit of money, such as thousands, hundred yuan, yuan, horn, cent, etc., currency of different electronic money.
  • the unit may be predetermined, such as which currency unit has been formulated by the electronic money issuing unit when issuing electronic money.
  • Different currency units can also have different denominations to satisfy different payment and circulation scenarios.
  • examples are given in points, angles, and yuan, which can have 1 point, 2 points, 5 points, 1 angle, 2 angles. , 5 cents, 1 yuan, 2 yuan, 5 yuan, 10 yuan, 50 yuan, 100 yuan and other currency units.
  • points, angles, and yuan which can have 1 point, 2 points, 5 points, 1 angle, 2 angles. , 5 cents, 1 yuan, 2 yuan, 5 yuan, 10 yuan, 50 yuan, 100 yuan and other currency units.
  • Those skilled in the art should understand that the above electronic money and currency unit are only examples, and other existing or future electronic money or currency units may be applicable to the present application, and should also be included in the scope of protection of
  • the monetary unit of this type of electronic money is from the largest to the smallest, and is represented by ⁇ , ⁇ , and ⁇ , respectively, where ⁇ is the maximum level, ⁇ is the unit of one tenth of ⁇ , and ⁇ is the percentage of ⁇ .
  • ⁇ is the maximum level
  • ⁇ is the unit of one tenth of ⁇
  • ⁇ is the percentage of ⁇ .
  • the electronic money e-money-A in the user A account can also be divided into two currency units, namely ⁇ and ⁇ , respectively, then the total amount of the electronic money in the user account of user A is sum-A by the currency unit.
  • the currency unit is related to the denomination of the electronic money in addition to the currency unit, that is, each currency unit is a currency whose denomination is a currency unit.
  • each currency unit is a currency whose denomination is a currency unit.
  • the encoding process refers to encoding the currency unit, and the encoded data may include the identity information of the sender, and the encoding may take a manner such as digital signature to ensure the integrity of the information transmission and the identity of the sender. Certification, preventing the occurrence of repudiation in transactions.
  • the unit identification information may be used to identify the currency unit after the encoding process, which may be represented by numbers, characters, combinations thereof, and the like.
  • a person skilled in the art should understand that the above coding method and unit identification information are only examples, and other existing or future possible coding methods or unit identification information may be included in the scope of the present application, as applicable to the present application. It is hereby incorporated by reference. Realize payment and flow by "encoding" electronic money Through the control, it can effectively curb crimes such as electronic account-based misappropriation and improve the security of electronic accounts.
  • step S11 the electronic money e-money-A in the user A account is divided, and the obtained monetary units are ⁇ , ⁇ , ⁇
  • step S12 the system digitally signs the monetary units.
  • unit identification information of at least one of the one or more monetary units is obtained, for example, unit identification information of each of the monetary units ⁇ , ⁇ , and ⁇ is identified- ⁇ -a 1 , identify- ⁇ - a 2 , identify- ⁇ -a 3 .
  • the present application can also "encode" the currency unit of higher denomination only, without having to "encode” the currency unit with a low denomination, thereby balancing the cause.
  • the overhead required for encoding processing (such as device overhead, etc.) and account security.
  • the manner of determining the unit identification information of at least one of the one or more monetary units by the encoding process is merely an example, and other existing or future possible occurrences may be determined by the encoding process.
  • the manner in which the unit identification information of at least one of the plurality of monetary units is applicable to the present application is also included in the scope of the present application and is hereby incorporated by reference.
  • the account status information includes the correspondence relationship between the unit identification information of the monetary unit and the denomination that are encoded.
  • step S13 an example of the account status information corresponding to the user account of the user A is as shown in Table 1:
  • the account status information indicates the balance of the user account and/or its composition. It should be noted here that although the unit identification information of different currency units of the same denomination currency unit is identified as identification- ⁇ -a 1 , the actual encoded content is different. For example, two alpha currency units have different unit identification information.
  • step S11 continues to divide the electronic money in the user account into one or more monetary units; step S12 continues to determine unit identification information of at least one of the one or more monetary units by an encoding process; step S13 continues to establish Representing the user account Account status information.
  • step S11 continues to divide the electronic money in the user account into one or more monetary units; step S12 continues to determine unit identification information of at least one of the one or more monetary units by an encoding process; step S13 continues to establish Representing the user account Account status information.
  • the "continuation" means that the electronic money in the user account is divided into one or more currency units continuously, and at least one of the monetary units is determined by the encoding process.
  • the unit identifies information, establishes account status information, and stops dividing the electronic money in the user account into one or more currency units for a longer period of time.
  • the electronic money in the user account may be divided into one or more monetary units according to a predetermined unit division rule.
  • the predetermined unit division rule may be based on the currency unit of the electronic money (for example, one hundred yuan, one thousand yuan, or ten thousand yuan, etc.), and the smallest currency unit or the like.
  • the content included in the above-mentioned predetermined unit division rule is only an example, and other existing or future possible unit division rules include content, as applicable to the present application, and should also be included in the present application. It is within the scope of protection and is hereby incorporated by reference.
  • the predetermined unit division rule may be stored in a device that performs the step, and may also be stored in a device connected to the device that performs the step through a network.
  • the method further comprises: determining the unit division rule according to the account output history information corresponding to the user account. For example, according to the payment or transfer record of the user account, the currency unit frequently used by the user account is determined, and the unit is divided into the monetary unit for dividing the electronic money, thereby determining the unit division rule.
  • the account output history information includes, but is not limited to, records such as payment, transfer, and the like of the corresponding user account.
  • the unit division rule contains only the alpha level currency unit.
  • the present application determines the unit division rule according to the account output history record information corresponding to the user account, which can reduce the combined operation overhead when subsequent payment or transfer.
  • the method further includes:
  • Obtaining account input information of the user account where the account input information refers to data information for operating the user account, and specifically includes a currency denomination to be changed and corresponding unit identification information, and a direction of change ( increase or decrease);
  • the account status information is updated according to the account input information.
  • the account input information of the user account is obtained by calling an application program interface (API) provided by the platform corresponding to the user account; or, the account input information sent by the payer for the user account is received through a payment gateway or the like. And receiving the transfer information sent by the user account for other third party accounts to obtain the account input information.
  • API application program interface
  • the system may receive the transfer information sent by the payment platform of user B to the user account of user A through the payment gateway, etc., thereby obtaining the account of the user account of user A. Enter information.
  • the manner of updating the account status information according to the account input information includes, but is not limited to, at least one of the following:
  • the system knows that the user B sends the transfer information to the user account of the user A through the payment platform of the user B, for example, the transfer b 1 ⁇ denomination, and the unit identification information is identify- ⁇ -b1, then the account can be used at this time.
  • the correspondence between the unit identification information of the currency unit and the denomination in the input information is added to the account status information, and the account status information as shown in Table 2 below is obtained:
  • the account input information includes only the changed amount and does not include the corresponding unit identification information
  • the amount is first encoded according to the manner of steps S11 to S13 to obtain one or more units of the newly added monetary unit. Corresponding relationship between the identification information and the denomination; then, the correspondence between the unit identification information of the one or more newly added monetary units and the denomination is added to the account status information.
  • the system receives the transfer information sent by the payment platform of the user C to the user account of the user A, but the electronic money in the partial account input information is not divided and encoded, and then first obtains one or the steps S11-S13.
  • FIG. 2 is a flow chart of a method for processing electronic money in another embodiment of the present invention. As shown in Figure 2, the method includes:
  • Step S21 dividing the electronic money in the user account into one or more monetary units
  • Step S22 determining unit identification information of at least one of the one or more monetary units by an encoding process
  • Step S23 Establish account status information corresponding to the user account, where the account status information includes a correspondence between the unit identification information of the monetary unit and the denomination processed by the encoding process;
  • Step S24 Acquire an account output request
  • Step S25 Determine, according to the account output request and the account status information, an output unit combination including one or more of the monetary units, wherein a sum of denominations of each monetary unit in the output unit combination exceeds or equals An output denomination request corresponding to the account output request;
  • Step S26 Output the output unit combination and update the account status information.
  • steps S21, S22, and S23 may be the same as or substantially the same as the corresponding steps in the embodiment of FIG. 1.
  • the details are not described herein again and are included in the reference. this.
  • step S24 the application provided by the platform corresponding to the user account of user A can be invoked.
  • An order interface API that gets an account output request.
  • the account output request includes, but is not limited to, a transfer, a payment request, and the like.
  • the system can call user A’s
  • the application interface (API) provided by the platform corresponding to the user account obtains the payment request.
  • step S25 the request may be output according to the account and as shown in Table 1 above. Determining account status information, determining an output unit combination including one or more of the money units, wherein a sum of denominations of each monetary unit in the output unit combination exceeds or equals an output denomination request corresponding to the account output request .
  • the determined output unit combination may be m ⁇ ⁇ + n ⁇ ⁇ or a 2 ⁇ ⁇ + a 3 ⁇ ⁇ in step S25. Assuming that the determined output unit combination is m ⁇ +n ⁇ , then in step S26, the output unit combination is output, that is, the payment is completed, and m ⁇ +n ⁇ is obtained from the account shown in Table 1 above. The status information is deleted to update the account status information.
  • the updated account status information is shown in Table 4 below:
  • the denomination corresponding to the denominations of ⁇ , ⁇ , and ⁇ can be performed, for example, the denomination of the account status information shown in Table 1 above is expressed as (a 1 - 1) ⁇ + (a 2 + 9) ⁇ + (a 3 + 10) ⁇ , such that (a 2 + 9) ⁇ m, (a 3 + 10) ⁇ n, in this case can still output m ⁇ ⁇ +n ⁇ .
  • the updated account status information is as shown in Table 5 below:
  • the denomination corresponding to the account status information and the output denomination may be uniformly expressed in one currency unit, such as
  • the account status information shown in Table 1 is expressed as (a 1 + 0.1a 2 + 0.01a 3 ) ⁇ ⁇
  • step S26 it may also be first detected whether the output unit combination satisfies an output restriction condition; when the output unit combination satisfies the output restriction condition, outputting the output unit combination, and updating the account status information.
  • the output restriction condition includes that the money unit in the output unit combination satisfies at least one of the following:
  • the flow frequency information of the unit identification information corresponding to the monetary unit is lower than or equal to the circulation frequency threshold; the number of circulation of the unit identification information corresponding to the monetary unit is restricted, and the account security is further improved.
  • step S25 the determined output units are combined into m ⁇ +n ⁇ , and the unit identification information corresponding to the monetary unit in the output unit combination is identify- ⁇ -m, identify- ⁇ -n,
  • the corresponding flow frequency information is 1 time/day, 3 times/day, and the flow frequency threshold is 5 times/day, which are all less than the circulation frequency threshold.
  • step S26 the system can determine the output unit combination. m ⁇ ⁇ + n ⁇ ⁇ satisfies the output restriction condition and outputs the output unit combination.
  • the target output account corresponding to the currency unit belongs to the trust account of the latest source account of the currency unit; here, the target output account is the receiving account corresponding to the account output request, and the latest source account is Refers to when a currency unit stays in an account for more than a certain period of time (ie, basically assumes that the account is The legal way to obtain the currency unit) can be considered to be the new source account for the currency unit.
  • Currency transfers between trusted accounts are not subject to “frequency of circulation” to balance security and convenience.
  • the currency unit has no corresponding unit identification information.
  • a currency unit without corresponding unit identification information refers to a currency unit whose denomination is less than a predetermined threshold.
  • step S25 the output unit determined by the system is combined into m ⁇ +n ⁇ , and the monetary unit ⁇ in the output unit combination has no corresponding unit identification information
  • step S26 the system It is judged that the output unit combination satisfies an output restriction condition and outputs the output unit combination.
  • the method further comprises: determining the output restriction condition according to the account output history information corresponding to the user account.
  • the system can set the "a certain account” as the “trust account” of the account, thereby making it unnecessary for money transfer between trusted accounts. "Flowing frequency” limits to balance safety and convenience.
  • the unit identification information is obtained by encoding, and the encoding contains the information of the sender, it is apparent that the unit identification information of the same currency unit or even the same denomination of different users is different. .
  • the unit identification information corresponding to the eight 100 yuan in the user A account and the unit identification information corresponding to the eight 100 yuan in the user B account are obviously different.
  • this can be interpreted as that there are eight 100 yuan in the user account of user A, and the unit identification information is respectively Identify1A (as described above, although the same identifier is used, the information flow is actually different. There are 7 10 yuan, the unit identification information is Identify2A; there are 6 1 yuan, and the unit identification information is Identfiy3A.
  • the following information is added to the user status information of user B, as shown in Table 9. It indicates that the current user B's account will add two 100 yuan, and its unit identification information, that is, the original identification information in the user A account, can also be recorded as Identify1A, but here two Identification1A and the remaining in the user A account The six Identify1A are different (the following is a similar situation, and will not be described again); there is one 10 yuan, the unit identification information is still Identify2A, there are 2 1 yuan, and the unit identification information is Identfiy3A.
  • the account information of user A can be divided into 876 one-yuan currency units, respectively corresponding to 876 different unit identification information.
  • the account information of user A can be divided into 876 one-yuan currency units, respectively corresponding to 876 different unit identification information.
  • 821 different unit identification information with a denomination of 1 yuan is left in the account of user A; and 55 different correspondences are added to the account of user B.
  • a unit with a denomination of 1 yuan indicates information.
  • User A When User A receives 67 yuan transferred from User C to her/him, User A's account only adds 67 different unit identification information corresponding to the denomination of 1 yuan, so that a total of 943 different corresponding denominations are 1 yuan. Unit identification information. For example, one day user A finds that one dollar in his account is marked as AAAAA, and user A can report to the system administrator. The system administrator can directly locate the one-way money transfer path marked AAAAA and directly The one dollar marked as AAAAA is frozen. If the one dollar marked as AAAAA is finally in the account of user C, user C will not be able to use the dollar before the dollar is unfrozen.
  • the account information of user A can be divided into 8 currency units corresponding to a denomination of 100 yuan, 7 Corresponding to a currency unit with a denomination of 10 yuan and 6 currency units with a corresponding face of 1 yuan, that is, a total of 21 currency units, respectively corresponding to 21 different unit identification information, where the unit identification information of user A and the denomination
  • Table 13 The correspondence is shown in Table 13 below:
  • the user C is transferred to the 356 yuan, then the user A will have 35 currency units, corresponding to 35 different unit identification information, wherein the denomination corresponding to the 11 currency units is 100 yuan, 13 The denomination corresponding to the currency unit is 10 yuan, and the denomination corresponding to 12 currency units is 1 yuan.
  • the denomination corresponding to the currency unit is 10 yuan
  • the denomination corresponding to 12 currency units is 1 yuan.
  • the high-order currency unit can be borrowed and split, that is, 1 corresponding denomination is
  • the monetary unit of 100 yuan is split into 9 monetary units corresponding to a denomination of 10 yuan and 10 monetary units corresponding to a denomination of 1 yuan, and then the transfer of the monetary unit.
  • the user ID of the user A will be subtracted from the unit identification information of the corresponding denomination of 100 yuan, and the unit identification information of 10 corresponding denominations of 10 yuan and 10 unit identifiers corresponding to the denomination of 1 yuan.
  • Information in this case, the system preferably indicates the source of the unit identification information of 10 corresponding denominations of 10 yuan and the unit identification information of 10 corresponding denominations of 1 unit, that is, the source indicating the unit identification information is the one.
  • the unit identification information with a denomination of 100 corresponds to the unit identification information with a denomination of 100.
  • the monetary unit corresponding to identify1A is split into nine monetary units corresponding to denominations of 10 yuan, and the corresponding unit identification information is identified22A-identify30A, and 10 monetary units corresponding to denominations of 1 yuan, corresponding to If the unit identification information is identify31A-identify40A, the information of identify1A needs to be carried in identify22A-identify40A; at the same time, identify1A is deleted from the user status information of user A; of course, in an embodiment of the present invention, the system should retain the split. Logs for easy tracking and searching.
  • the entire electronic money processing system preferably adopts the same monetary unit division principle for all user accounts; at that time, in special cases, for a certain It is also possible for a group of users with specific characteristics, or for a particular user, to adopt a special monetary unit division principle.
  • FIG. 3 is a schematic structural diagram of an electronic money processing device according to an embodiment of the present invention. As shown in FIG. 3, the electronic money processing device includes:
  • the first device 111 divides the electronic money in the user account into one or more monetary units
  • the second device 112 determines unit identification information of at least one of the one or more monetary units by an encoding process
  • the third device 113 establishes account status information corresponding to the user account, where the account status information includes a correspondence between the unit identification information of the monetary unit and the denomination encoded.
  • the electronic money processing device includes, but is not limited to, a network device, a user device, or a device in which a network device is integrated with a user device through a network.
  • the network device includes, but is not limited to, an implementation such as a network host, a single network server, a plurality of network server sets, or a cloud computing-based computer collection; or is implemented by a user equipment.
  • the cloud is composed of a large number of host or network servers based on Cloud Computing, which is a kind of distributed computing, a super virtual computer composed of a group of loosely coupled computers.
  • the user equipment may be any electronic product that can interact with a user through a keyboard, a mouse, a touch pad, a touch screen, or a handwriting device, such as a computer, a mobile phone, a PDA, a palmtop PC, or a tablet.
  • Computer etc.
  • the network includes, but is not limited to, the Internet, a wide area network, a metropolitan area network, a local area network, a VPN network, a wireless ad hoc network (Ad Hoc network), and the like.
  • Ad Hoc network wireless ad hoc network
  • both the network device and the user equipment include an electronic device capable of automatically performing numerical calculation and information processing according to an instruction set or stored in advance, and the hardware thereof includes but is not limited to a microprocessor, an application specific integrated circuit (ASIC), Programmable gate array (FPGA), digital processor (DSP), embedded devices, etc.
  • ASIC application specific integrated circuit
  • FPGA Programmable gate array
  • DSP digital processor
  • the first device 111 may divide the electronic money in the user account into one or more monetary units according to a predetermined unit division rule.
  • the predetermined unit division rule may be stored in the electronic money processing device, and may also be stored in a device connected to the electronic money processing device via a network, the content of which may include which currency units the electronic money has (for example, Yuan, thousand yuan or ten thousand yuan, etc., and what is the smallest currency unit.
  • the content included in the above-mentioned predetermined unit division rule is only an example, and other existing or future possible unit division rules include content, as applicable to the present application, and should also be included in the present application. It is within the scope of protection and is hereby incorporated by reference.
  • the electronic money processing device further includes an eighth device (not shown) for using the user account
  • the account output history information corresponding to the user determines the unit division rule, such as determining a currency unit frequently used by the user account according to the payment or transfer record of the user account, and dividing the currency unit as the electronic currency Currency unit to determine the unit partitioning rules.
  • the account output history information includes, but is not limited to, records such as payment, transfer, and the like of the corresponding user account.
  • the eighth device may determine that the unit division rule contains only the alpha level currency unit.
  • the present application determines the unit division rule according to the account output history record information corresponding to the user account, which can reduce the combined operation overhead when subsequent payment or transfer.
  • the electronic money processing device further includes a ninth device (not shown) for acquiring account input information of the user account; and a tenth device (not shown) for The account input information updates the account status information.
  • the ninth device acquires account input information of the user account by calling an application program interface (API) provided by a platform corresponding to the user account; or, by using a payment gateway or the like, receiving an account of the user account sent by the payer Enter information to obtain the account entry information.
  • API application program interface
  • FIG. 4 is a schematic diagram of an electronic money processing device for processing electronic money according to a preferred embodiment of the present application, wherein the electronic money processing device includes:
  • the first device 211 is configured to divide the electronic money in the user account into one or more monetary units
  • a second device 212 configured to determine, by using an encoding process, unit identification information of at least one of the one or more monetary units;
  • the third device 213 is configured to establish account status information corresponding to the user account, where the account status information includes a correspondence between the unit identification information of the monetary unit and the denomination processed by the encoding process;
  • a fourth device 214 configured to obtain an account output request
  • the fifth device 215 is configured to determine, according to the account output request and the account status information, an output unit combination including one or more of the monetary units, wherein a sum of denominations of each monetary unit in the output unit combination Exceeding or equal to the output denomination request corresponding to the account output request;
  • the sixth device 216 is configured to output the output unit combination and update the account status information.
  • the person skilled in the art should confirm that the contents of the first device 211, the second device 212, and the third device 213 are the same as or substantially the same as those of the corresponding device in the embodiment of FIG. 3. For the sake of brevity, no further description is provided herein. And is included here by reference.
  • the electronic money processing device further includes a seventh device (not shown) for determining the output restriction condition based on the account output history information corresponding to the user account.
  • the method of the present invention can operate in a hardware device comprised of one or more processors (CPUs), input/output interfaces, network interfaces, and storage media.
  • the storage medium may be a computer readable medium, specifically including permanent and non-permanent, removable and non-removable media. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), static random access memory.
  • PRAM phase change memory
  • SRAM static random access memory
  • DRAM dynamic random access memory
  • RAM random access memory
  • ROM read only memory
  • EEPROM electrically erasable programmable read only memory
  • flash memory or other Memory technology
  • CD-ROM compact disc
  • DVD digital versatile disc
  • the method of the present invention can be implemented in the form of a program or computer readable instructions stored in a storage medium, but the processor executes storage or computer readable instructions stored in the storage medium.
  • the method of the present invention can be implemented while communicating with an external system through an input/input interface or a network interface.

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Abstract

一种用于处理电子货币的方法与设备，实现了对其支付与流通的控制。具体地，将用户账户中的电子货币划分为一个或多个货币单元（S11）；通过编码处理确定货币单元中至少一个的单元标识信息（S12）；建立用户账户所对应的账户状态信息（S13）。

Description

一种用于处理电子货币的方法与设备 技术领域
本申请涉及互联网金融技术领域，尤其涉及一种用于处理电子货币的技术。
背景技术
20世纪90年代，国际互联网迅速走向普及化，逐步从大学、科研机构走向企业和家庭，其功能也从信息共享演变为一种大众化的信息传播手段，商业贸易活动逐步进入这个王国。通过使用因特网，即降低了成本，也造就了更多的商业机会，电子商务技术从而得以发展，使其逐步成为了互连网应用的最大热点。为适应电子商务这一市场潮流，电子支付、网络支付等支付方式随之发展起来。然而，用户在通过网络进行交易，如进行支付与转账的过程中，因互联网是开放的系统平台，对用户账户尤其是电子账户中货币的盗用等犯罪行为时有发生，如何提升用户电子账户的安全性并实现对其支付与流通的控制，面临极大挑战。
发明内容
本申请提供了一种用于处理电子货币的方法与设备，以实现对电子货币的支付与流通的控制。
本申请提供的一种用于处理电子货币的方法包括：
将用户账户中的电子货币划分为一个或多个货币单元；
通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
本申请还提供了一种用于处理电子货币的设备，该设备包括：
第一装置，用于将用户账户中的电子货币划分为一个或多个货币单元；
第二装置，用于通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
第三装置，用于建立所述用户账户所对应的账户状态信息，其中，所述账户状态 信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
与现有技术相比，本申请实施例通过将用户账户中的电子货币的面额划分为一个或多个货币单元；并且对每一个货币单元进行“编码”，生成唯一的单元标识信息；并将该单元标识信息与货币面额绑定起来。当进行货币收款或转账时，除了接受账户变动的面额信息，同时也接受与之绑定的单元标识信息。通过跟踪单元标识信息，就可以实现对电子货币的支付与流通的控制。
附图说明
通过阅读参照以下附图所作的对非限制性实施例所作的详细描述，本申请的其它特征、目的和优点将会变得更明显：
图1为本发明一实施例中一种用于处理电子货币的方法流程图。
图2为本发明一实施例中一种用于处理电子货币的方法流程图。
图3为本发明一实施例中一种电子货币处理设备的结构示意图。
图4是本发明另一个实施例中一种电子货币处理设备的结构示意图。
具体实施方式
下面结合附图对本申请作进一步详细描述。
图1为本发明一实施例中一种用于处理电子货币的方法流程图。
步骤S11：将用户账户中的电子货币划分为一个或多个货币单元；
步骤S12：通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
步骤S13：建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
具体地，在步骤S11中，电子货币是指可用于支付的货币，其包括但不限于以下至少任一项：1)通过电子化方式支付的货币，其支付方式包括如储值卡、信用卡、电子支票、电子钱包等；2)虚拟货币，如Q币、百度币等；3)积分、代金券、优惠券等。在此，所述货币单元是指电子货币在支付和流通中不可分割的货币量，也可以是指货币的基本单位，如千元、百元、元、角、分等，不同电子货币的货币单位可是预定的，如由电子货币发行单位在发行电子货币时已制定对应的货币单位包括哪些， 不同货币单位也可具有不同面额，来满足不同的支付和流通场景，在此，以分、角、元为单位进行举例说明，其可以有1分、2分、5分、1角、2角、5角、1元、2元、5元、10元、50元、100元等货币单位。本领域技术人员应能理解上述电子货币和货币单元仅为举例，其他现有的或今后可能出现的电子货币或货币单元如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
例如，假设该类型电子货币的货币单位由大至小共3级，分别用α、β、γ表示，其中，α为最大等级，β为α的十分一的单位，γ为α的百分之一的单位。则在步骤S11中，假设用户A具有某类型电子货币e-money-A，其账户中此时的电子货币总额为sum-A＝a1×α+a2×β+a3×γ，其中，a1、a2、a3均为正整数，那么可以将用户A账户中的电子货币e-money-A划分为三个货币单元，分别为α、β、γ。再如，也可以将用户A账户中的电子货币e-money-A划分为两个货币单元，分别为α、β，那么用户A的用户账户中的该电子货币的总额sum-A由货币单位表示为
sum-A＝a1×α+a2×β+a3×γ＝a1×α+a2×β+a3×0.1β＝a1×α+(a2+0.1a3)×β。
在本发明另一个实施例中，货币单元除了跟货币单位有关外，还与电子货币的面额相关，即每一个货币单元为一个面额为货币单位的货币。以用户A电子货币总额为sum-A＝a1×α+a2×β+a3×γ为例，那么假如选择的货币单位为α、β、γ，则货币单元的个数为a1+a2+a3；假如选择的货币单位为α、β，则货币单元的个数为a1+a2+0.1a3。比如，当货币单位为100元时，200元对应的是两个货币单元，进而在后续分别对应两个单元标识信息。
本领域技术人员应能理解上述将用户账户中的电子货币划分为一个或多个货币单元的方式仅为举例，其他现有的或今后可能出现的将用户账户中的电子货币划分为一个或多个货币单元的方式如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。在步骤S12中，所述编码处理是指对货币单元进行编码，编码后的数据会包含发送者的身份信息，编码可以采取诸如数字签名等方式，以保证信息传输的完整性、发送者的身份认证、防止交易中的抵赖发生。所述单元标识信息可以用于标识经编码处理后的所述货币单元，其可用数字、字符及其组合等形式表示。本领域技术人员应能理解上述编码方法和单元标识信息仅为举例，其他现有的或今后可能出现的编码方法或单元标识信息如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。通过对电子货币进行“编码”，实现对其支付与流 通的控制，从而可有效遏制基于电子账户的盗用等犯罪行为，并提升了电子账户的安全性。
例如，假设在步骤S11中，将用户A账户中的电子货币e-money-A进行划分，得到的货币单元为α、β、γ，则在步骤S12中，系统通过数字签名对该等货币单元进行数字签名处理，可得到所述一个或多个货币单元中至少一个的单元标识信息，如得到货币单元α、β、γ各自的单元标识信息分别为identify-α-a1、identify-β-a2、identify-γ-a3。
在此，本领域技术人员应当理解，在具体实施例中，本申请还可以仅对较高面额的货币单元进行“编码”，而不必对面额过低的货币单元进行“编码”，从而平衡因编码处理所需开销(如设备开销等)与账户安全性。
本领域技术人员应能理解上述通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息的方式仅为举例，其他现有的或今后可能出现的通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息的方式如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
在步骤S13中，账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
接上例，在步骤S13中，用户A的用户账户所对应的账户状态信息的一个实例如表1所示：
Figure PCTCN2016075365-appb-000001
表1
该账户状态信息表明了所述用户账户的余额和/或其组成。这里需要注意的是，虽然同一面额货币单位的不同货币单元其单元标识信息的表示均为identify-α-a1，但实际编码内容是不同的。比如两个α的货币单元，其单元标识信息是不同的。
该方法的各个步骤之间是持续不断工作的。具体地，步骤S11持续将用户账户中的电子货币划分为一个或多个货币单元；步骤S12持续通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；步骤S13持续建立所述用户账户所对应的 账户状态信息。在此，本领域技术人员应能理解所述“持续”是指各步骤之间分别不断地进行将用户账户中的电子货币划分为一个或多个货币单元、通过编码处理确定货币单元中至少一个的单元标识信息、建立账户状态信息，直至在较长一段时间内停止将用户账户中的电子货币划分为一个或多个货币单元。
优选地，在步骤S11中，可根据预定的单元划分规则将用户账户中的电子货币划分为一个或多个货币单元。预定的单元划分规则可以基于所述电子货币的货币单位(例如百元、千元或万元等)，以及最小货币单位等。本领域技术人员应能理解上述预定的单元划分规则包括的内容仅为举例，其他现有的或今后可能出现的预定的单元划分规则包括的内容如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。在本发明一实施例中，所述预定的单元划分规则可以存储于执行所述步骤的设备中，还可存储于与执行所述步骤的设备通过网络相连的设备中。
更优选地，该方法还进一步包括：根据所述用户账户对应的账户输出历史记录信息确定所述单元划分规则。如根据该用户账户的支付或转账记录，确定该用户账户经常使用的货币单位，以将该等货币单位作为对所述电子货币进行划分的货币单元，从而确定所述单元划分规则。在此，所述账户输出历史记录信息包括但不限于如对应用户账户的支付、转账等记录。
例如，接上例，假设用户A的用户账户的支付或转账记录表明用户A使用α级别的货币单位，则可确定所述单元划分规则仅包含α级别的货币单位。
在此，本申请通过根据所述用户账户对应的账户输出历史记录信息确定所述单元划分规则，可减少后续支付或转账时的组合操作开销。
在一个优选实施例中，该方法还进一步包括：
获取所述用户账户的账户输入信息，其中所述账户输入信息指的是对所述用户账户进行操作的数据信息，具体可以包括要变化的货币面额以及对应的单元标识信息，以及变化的方向(增加或减少)；
根据所述账户输入信息，更新所述账户状态信息。
具体地，通过调用用户账户对应的平台提供的应用程序接口(API)，获取所述用户账户的账户输入信息；或者，通过支付网关等，接收支付方发送的针对所述用户账户的账户输入信息以及接收所述用户账号针对其他第三方账户发出的转让信息，以获取所述账户输入信息。
假设用户B给用户A的用户账户进行了转账，首先系统可以可通过支付网关等，接收到用户B的支付平台方向用户A的用户账户发送的转账信息，从而获取到用户A的用户账户的账户输入信息。
本领域技术人员应能理解上述获取所述用户账户的账户输入信息的方式仅为举例，其他现有的或今后可能出现的获取所述用户账户的账户输入信息的方式如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
在本发明一实施例中，根据所述账户输入信息，更新所述账户状态信息的方式包括但不限于以下至少任一项：
1)将所述账户输入信息中货币单元的单元标识信息与面额的对应关系添加至所述账户状态信息。
例如，系统通过用户B的支付平台方获知用户B向用户A的用户账户发送了转账信息，如转账b1×α面额，其单元标识信息为identify-α-b1，则此时可将该账户输入信息中货币单元的单元标识信息与面额的对应关系添加至所述账户状态信息，得到如以下表2所示的账户状态信息：
Figure PCTCN2016075365-appb-000002
表2
根据以上实施例的描述，可以得知这里会有b1个不同的identify-α-b1，而且identify-α-b1中会携带有用户B的信息。
2)如果所述账户输入信息中仅包含变动的金额，未包含对应的单元识别信息，则首先根据步骤S11至S13的方式对该金额进行编码处理，获得一个或多个新增货币单元的单元标识信息与面额的对应关系；然后，将所述一个或多个新增货币单元的单元标识信息与面额的对应关系添加至所述账户状态信息。
例如，系统接收到用户C的支付平台方向用户A的用户账户发送的转账信息，但该部分账户输入信息中的电子货币未进行划分及编码处理，则首先采取步骤S11-S13的方式获得一个或多个新增货币单元的单元标识信息与面额的对应关系，如得到转账 c1×β面额，其单元标识信息为identify-β-c1，那么最终得到的更新后的账户状态信息如下表3所示：
Figure PCTCN2016075365-appb-000003
表3
根据以上实施例的描述，可以得知这里会有c1个不同的identify-α-b1，而且identify-α-b1中会携带有用户B的信息。
本领域技术人员应能理解上述更新所述账户状态信息的方式仅为举例，其他现有的或今后可能出现的更新所述账户状态信息的方式如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
图2是本发明另一个实施例中一种用于处理电子货币的方法流程图。如图2所示，该方法包括：
步骤S21：将用户账户中的电子货币划分为一个或多个货币单元；
步骤S22：通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
步骤S23：建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系；
步骤S24：获取账户输出请求；
步骤S25：根据所述账户输出请求及所述账户状态信息，确定包括一个或多个所述货币单元的输出单元组合，其中，所述输出单元组合中各货币单元的面额之和超过或等于所述账户输出请求所对应的输出面额请求；
步骤S26：输出所述输出单元组合，并更新所述账户状态信息。
本领域技术人员可以理解，步骤S21、步骤S22和步骤S23可以分别与图1实施例中对应步骤的内容相同或基本相同，为简明起见，故在此不再赘述，并以引用的方式包含于此。
具体地，在步骤S24中，可通过调用用户A的用户账户对应的平台提供的应用程 序接口(API)，获取账户输出请求。在此，所述账户输出请求包括但不限于如转账、支付请求等。
例如，对于用户A，假设其网购了一张火车票，需要支付的金额为m×β+n×γ，并选择了其用户账户进行支付，则在步骤S24中，系统可通过调用用户A的用户账户对应的平台提供的应用程序接口(API)，便获取到该支付请求。
本领域技术人员应能理解上述获取账户输出请求的方式仅为举例，其他现有的或今后可能出现的获取账户输出请求的方式如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
接上例，假设用户A的账户状态信息如以上表1所示，因需要支付的金额为m×β+n×γ，则在步骤S25中，可根据该账户输出请求及如以上表1所示的账户状态信息，确定包括一个或多个所述货币单元的输出单元组合，其中，所述输出单元组合中各货币单元的面额之和超过或等于所述账户输出请求所对应的输出面额请求。
如若a2≥m、a3≥n，则在步骤S25中，确定的所述输出单元组合可为m×β+n×γ或a2×β+a3×γ。假设确定的所述输出单元组合为m×β+n×γ，则在步骤S26中，输出该输出单元组合，即完成支付，并将m×β+n×γ从如上表1所示的账户状态信息中删除，以更新所述账户状态信息。更新后的的账户状态信息如下表4所示：
Figure PCTCN2016075365-appb-000004
表4
再如，如果a2＜m或a3＜n，那么可以α、β、γ对应的面额进行借位拆分，比如将以上表1所示的账户状态信息对于的面额表示为(a1-1)α+(a2+9)β+(a3+10)γ，这样，由于(a2+9)≥m，(a3+10)≥n，此种情况下依然可以输出m×β+n×γ。那么这种情况下，S26执行完成后，更新后的账户状态信息如下表5所示：
Figure PCTCN2016075365-appb-000005
表5
再如，不论a2与m，以及a3与n之间的大小关系如何，在步骤S25中，可将所述账户状态信息对应的面额与输出面额统一用一种货币单元表示，如将以上表1所示的账户状态信息对于的面额表示为(a1+0.1a2+0.01a3)×α，而输出面额为m×β+n×γ＝(0.1m+0.01n)×α，从而确定的所述输出单元组合可为(0.1m+0.01n)×α或(a1+0.1a2+0.01a3)×α。
当然，本领域技术人员可以理解，在收款方的账户中，将增加如下表6所示的信息：
Figure PCTCN2016075365-appb-000006
表6
可以看出，在该步骤，虽然m×β、n×γ来源于用户A的a2×β、a3×γ，但当用户A将该m×β和n×γ转让给收款方时，系统针对m×β和n×γ将生成自己的单元标识信息，即identify-β-m可以与identify-β-a2不同。
优选地，在步骤S26中，还可首先检测所述输出单元组合是否满足输出限制条件；当所述输出单元组合满足所述输出限制条件时，输出所述输出单元组合，并更新所述账户状态信息。优选地，所述输出限制条件包括所述输出单元组合中货币单元满足以下至少任一项：
1)所述货币单元对应的单元标识信息的流通频次信息低于或等于流通频次阈值；以限制货币单元对应的单元标识信息的流通次数，进一步提高了账户安全性。
举例说明，假设在步骤S25中，确定的所述输出单元组合为m×β+n×γ，该输出单元组合中货币单元对应的单元标识信息为identify-β-m、identify-γ-n，其各自对应的流通频次信息分别为1次/天、3次/天，而流通频次阈值为如5次/天，均小于该流通频次阈值，则在步骤S26中，系统可判断该输出单元组合m×β+n×γ满足输出限制条件并输出该输出单元组合。
2)所述货币单元所对应的目标输出账户属于所述货币单元的最新源账户的信任账户；在此，所述目标输出账户即是账户输出请求所对应的接收账户，所述最新源账户是指当一货币单元在某一账户停留时间超过一定时长(即基本假定该账户是通过合 法途径获得该货币单元)，可以认为该账户是该货币单元的新的源账户。对于在信任账户间的货币转移可不受“流通频次”限制，以平衡安全性与便捷性。
3)所述货币单元无对应的单元标识信息。比如，对于面额过小的货币单元，可不限制其流通，相应地，无需对其进行标识，也即无对应单元标识信息的货币单元是指面额小于预定阈值的货币单元。
举例说明，假设在步骤S25中，系统确定的所述输出单元组合为m×β+n×γ，而该输出单元组合中的货币单元γ无对应的单元标识信息，则在步骤S26中，系统便判断所述输出单元组合满足输出限制条件并输出该输出单元组合。
4)所述输出单元组合中所有无单元标识信息的货币单元的面额之和低于受信面额阈值。这种方式通过设置小面额的货币单元的累加阈值来控制账户风险。
本领域技术人员应能理解上述输出限制条件仅为举例，其他现有的或今后可能出现的输出限制条件如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
更优选地，该方法还进一步包括：根据所述用户账户对应的账户输出历史记录信息确定所述输出限制条件。
例如，假设用户A通过其用户账户曾多次转账至某一账户，则系统可将该“某一账户”设置为该账户的“信任账户”，从而，对于在信任账户间的货币转移可不受“流通频次”限制，以平衡安全性与便捷性。
在本发明以上实施例中，由于单元标识信息是通过编码获得的，而编码中包含有发送者的信息，显然源于不同用户的相同货币单元甚至相同的面额的货币其单元标识信息是不同的。比如用户A账号中8个100元分别对应的单元标识信息和用户B账号中的8个100元分别对应的单元标识信息显然是不同的。
以一个实际案例对以上实施例进行解释和说明，假设用户A账户上存在876元，我们可以将用户A账户里的电子货币划分为三个货币单元，分别为100元、10元和1元，那么用户A的用户状态信息为表7：
Figure PCTCN2016075365-appb-000007
表7
在本发明一实施例中，这可以解释为用户A的用户账号中有8个100元，其单元标识信息分别为Identify1A(如上所述，虽然用同一个标识表示，但是实际上信息流是不同的)；有7个10元，其单元标识信息分别为Identify2A；有6个1元，其单元标识信息分别为Identfiy3A。
当用户A将其中的212元转给用户B时，用户A的用户状态信息变为表8：
Figure PCTCN2016075365-appb-000008
表8
此时用户B的用户状态信息中会增加如下信息，如表9。表明目前用户B的账户中将新增2个100元，其单元标识信息即原来在用户A账户中的标识信息，也可记为Identify1A，但这里的两个Identify1A跟用户A账户中剩下的6个Identify1A是不同的(下面涉及相类似的情况，不再进行赘述)；有1个10元，其单元标识信息依然为Identify2A，有2个1元，其单元标识信息均为Identfiy3A。
Figure PCTCN2016075365-appb-000009
表9
若用户A将其中的99元转给用户B时，则用户A的用户状态信息变为如下表10所示：
Figure PCTCN2016075365-appb-000010
表10
此时用户B的用户状态信息中会增加如下表11所示的信息：
Figure PCTCN2016075365-appb-000011
Figure PCTCN2016075365-appb-000012
表11
若用户A收到用户C的121元，则用户A的用户状态信息变为如表12所示：
Figure PCTCN2016075365-appb-000013
表12
这种情况下，当用户A发现其丢失某一个100元时，其可以通过追溯相应的单元标识信息来查看该100元的途径路径来核实。
下面以两个更为详细的例子来说明本发明实施例提供的方法。
依然以用户A有876元为例，假设此时选择的货币单位为1元，则可以将用户A的账户信息划分为876个1元的货币单元，分别对应876个不同的单元标识信息。当用户A将其中的55元转给用户B时，用户A的账户里就只剩下821个不同的对应面额为1元的单元标示信息；而用户B的账户里会增加55个不同的对应面额为1元的单元标示信息。当用户A收到用户C转给她/他的67元时，用户A的账户里就只增加67个不同的对应面额1元的单元标识信息，这样合计共有943个不同的对应面额为1元的单元标示信息。比如某一天用户A发现其账户里一个标示为AAAAA的一元钱丢了，用户A就可以向系统管理员汇报，系统管理员就可以直接定位到这个标示为AAAAA的一元钱流转路径，并直接将该标示为AAAAA的一元钱冻结，假如这标示为AAAAA的一元钱最后在用户C的账户中，用户C在这一元钱未被解冻前将不可以使用该一元钱。
再以用户A有876元为例，假设此时选择的货币单元为100元、10元、1元，则可以将用户A的账户信息划分为8个对应面额为100元的货币单元、7个对应面额为10元的货币单元、6个对应面对为1元的货币单元，即合计21个货币单元，分别对应21个不同的单元标识信息，此处，用户A的单元标识信息与面额的对应关系如下表13所示：
Figure PCTCN2016075365-appb-000014
表13
如果此时收到用户C给其转账的356元，那么用户A就会有35个货币单元，分别对应35个不同的单元标识信息，其中，11个货币单元对应的面额是100元、13个货币单元对应的面额是10元、12个货币单元对应的面额是1元。本领域技术人员可以理解，当需要将用户A最终的用户余额显示给用户时，还是按照正常的显示方式即1231元。
如果此时用户A需要给用户B转账55元时，由于用户A具有的对应面额10元的货币单元有7个、对应面额为1元的货币单元有6个，分别都大于5，因此只需要对应减少对应面额10元和1元的货币单元个数以及在用户A的账号中删除对应的单元标识信息即可。
如果用户A需要转账给用户B99元，由于用户A具有的对应面额10元和1元的货币单元个数小于9，此次，可以将高位货币单元进行借位拆分，即将1个对应面额为100元的货币单元拆分为9个对应面额10元的货币单元以及10个对应面额1元的货币单元，然后再进行货币单元的转让。这里需要注意的是，此处用户A的账号中将减去1个对应面额为100元的单元标识信息，同时针对9个对应面额10元的单元标识信息以及10个对应面额1元的单元标识信息，这种情况下，系统最好在9个对应面额10元的单元标识信息以及10个对应面额1元的单元标识信息中可以指示其源头，即指示这些单元标识信息的来源是该1个对应面额为100的单元标识信息。继续举例，假设此时将identify1A对应的货币单元拆分为9个对应面额10元的货币单元，其对应的单元标识信息为identify22A-identify30A，以及10个对应面额1元的货币单元，其对应的单元标识信息为identify31A-identify40A，则在identify22A-identify40A需要携带有identify1A的信息；同时，系统中从用户A的用户状态信息中删除identify1A；当然，在本发明一实施例中，系统应该保留拆分日志，便于跟踪查找。
本领域技术人员可以理解，在对用户账户中的电子货币的货币单元进行划分时，整个电子货币处理系统最好对所有的用户账号采取相同的货币单元划分原则；当时，特殊情况下，对某一群特定特点的用户，或者某一个用户采取特别的货币单元划分原则也是有可能的。
图3为本发明一实施例中一种电子货币处理设备的结构示意图。如图3所示，该电子货币处理设备包括：
第一装置111将用户账户中的电子货币划分为一个或多个货币单元；
第二装置112通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
第三装置113建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
在此，电子货币处理设备包括但不限于网络设备、用户设备或网络设备与用户设备通过网络相集成所构成的设备。在此，所述网络设备包括但不限于如网络主机、单个网络服务器、多个网络服务器集或基于云计算的计算机集合等实现；或者由用户设备实现。在此，云由基于云计算(Cloud Computing)的大量主机或网络服务器构成，其中，云计算是分布式计算的一种，由一群松散耦合的计算机集组成的一个超级虚拟计算机。在此，所述用户设备可以是任何一种可与用户通过键盘、鼠标、触摸板、触摸屏、或手写设备等方式进行人机交互的电子产品，例如计算机、手机、PDA、掌上电脑PPC或平板电脑等。所述网络包括但不限于互联网、广域网、城域网、局域网、VPN网络、无线自组织网络(Ad Hoc网络)等。本领域技术人员应能理解上述电子货币处理设备仅为举例，其他现有的或今后可能出现的网络设备或用户设备如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。在此，网络设备及用户设备均包括一种能够按照事先设定或存储的指令，自动进行数值计算和信息处理的电子设备，其硬件包括但不限于微处理器、专用集成电路(ASIC)、可编程门阵列(FPGA)、数字处理器(DSP)、嵌入式设备等。
优选地，第一装置111可根据预定的单元划分规则将用户账户中的电子货币划分为一个或多个货币单元。在此，所述预定的单元划分规则可以存储于电子货币处理设备中，还可存储于与电子货币处理设备通过网络相连的设备中，其内容可包括所述电子货币具有哪些货币单位(例如百元、千元或万元等)，以及最小货币单位是什么等。本领域技术人员应能理解上述预定的单元划分规则包括的内容仅为举例，其他现有的或今后可能出现的预定的单元划分规则包括的内容如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
更优选地，电子货币处理设备还包括第八装置(未示出)，用于根据所述用户账 户对应的账户输出历史记录信息确定所述单元划分规则，如根据该用户账户的支付或转账记录，确定该用户账户经常使用的货币单位，以将该等货币单位作为对所述电子货币进行划分的货币单元，从而确定所述单元划分规则。在此，所述账户输出历史记录信息包括但不限于如对应用户账户的支付、转账等记录。
例如，接上例，假设用户A的用户账户的支付或转账记录表明用户A进行使用α级别的货币单位，则第八装置可确定所述单元划分规则仅包含α级别的货币单位。
在此，本申请通过根据所述用户账户对应的账户输出历史记录信息确定所述单元划分规则，可减少后续支付或转账时的组合操作开销。
在一个优选实施例中其中，电子货币处理设备还包括第九装置(未示出)，用于获取所述用户账户的账户输入信息；和第十装置(未示出)，用于根据所述账户输入信息，更新所述账户状态信息。
具体地，第九装置通过调用用户账户对应的平台提供的应用程序接口(API)，获取所述用户账户的账户输入信息；或者，通过支付网关等，接收支付方发送的所述用户账户的账户输入信息，以获取所述账户输入信息。
本领域技术人员应能理解上述更新所述账户状态信息的方式仅为举例，其他现有的或今后可能出现的更新所述账户状态信息的方式如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
图4示出根据本申请一个优选实施例的一种用于处理电子货币的电子货币处理设备示意图，其中，电子货币处理设备包括：
第一装置211，用于将用户账户中的电子货币划分为一个或多个货币单元；
第二装置212，用于通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
第三装置213，用于建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系；
第四装置214，用于获取账户输出请求；
第五装置215，用于根据所述账户输出请求及所述账户状态信息，确定包括一个或多个所述货币单元的输出单元组合，其中，所述输出单元组合中各货币单元的面额之和超过或等于所述账户输出请求所对应的输出面额请求；
第六装置216，用于输出所述输出单元组合，并更新所述账户状态信息。
在此，本领域技术人员应确认，第一装置211、第二装置212和第三装置213分别与图3实施例中对应装置的内容相同或基本相同，为简明起见，故在此不再赘述，并以引用的方式包含于此。
本领域技术人员应能理解上述输出限制条件仅为举例，其他现有的或今后可能出现的输出限制条件如可适用于本申请，也应包含在本申请保护范围以内，并在此以引用方式包含于此。
更优选地，电子货币处理设备还包括第七装置(未示出)，用于根据所述用户账户对应的账户输出历史记录信息确定所述输出限制条件。在本发明一实施例中，本发明的方法可以运营在一个由一个或多个处理器(CPU)、输入/输出接口、网络接口和存储介质构成的硬件设备中。其中存储介质可以是计算机可读介质，具体包括永久性和非永久性、可移动和非可移动媒体，计算机的存储介质的例子包括，但不限于相变内存(PRAM)、静态随机存取存储器(SRAM)、动态随机存取存储器(DRAM)、其他类型的随机存取存储器(RAM)、只读存储器(ROM)、电可擦除可编程只读存储器(EEPROM)、快闪记忆体或其他内存技术、只读光盘只读存储器(CD-ROM)、数字多功能光盘(DVD)或其他光学存储、磁盒式磁带，磁带磁盘存储或其他磁性存储设备或任何其他非传输介质，可用于存储可以被计算设备访问的信息。
具体而言，本发明的方法可以用程序或计算机可读指令的方式实现，这种程序或者计算机可读指令被存储在存储介质中，但处理器执行存储在存储介质的存储或者计算机可读指令时，可以实现本发明的方法，同时，通过输入/输入接口或网络接口实现与外部系统的通信。
对于本领域技术人员而言，显然本申请不限于上述示范性实施例的细节，而且在不背离本申请的精神或基本特征的情况下，能够以其他的具体形式实现本申请。因此，无论从哪一点来看，均应将实施例看作是示范性的，而且是非限制性的，本申请的范围由所附权利要求而不是上述说明限定，因此旨在将落在权利要求的等同要件的含义和范围内的所有变化涵括在本申请内。不应将权利要求中的任何附图标记视为限制所涉及的权利要求。此外，显然“包括”一词不排除其他单元或步骤，单数不排除复数。装置权利要求中陈述的多个单元或装置也可以由一个单元或装置通过软件或者硬件来实现。第一，第二等词语用来表示名称，而并不表示任何特定的顺序。

Claims (18)

  1. 一种用于处理电子货币的方法，其中，该方法包括：
    将用户账户中的电子货币划分为一个或多个货币单元；
    通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
    建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
  2. 根据权利要求1所述的方法，其中，所述货币单元与所述货币单元跟货币单位以及货币的面额相关。
  3. 根据权利要求2所述的方法，其中，当电子货币总额为sum-A＝a1×α+a2×β+a3×γ，其中，a1、a2、a3均为正整数，α、β、γ为货币单位，则货币单元的个数为a1+a2+a3。
  4. 根据权利要求2或3所述的方法，其中，所述货币单位为千元、百元、元、角、分、1分、2分、5分、1角、2角、5角、1元、2元、5元、10元、50元、100元中的任一或多种。
  5. 根据权利要求1所述的方法，其中，该方法还包括：
    获取账户输出请求；
    根据所述账户输出请求及所述账户状态信息，确定包括一个或多个所述货币单元的输出单元组合，其中，所述输出单元组合中各货币单元的面额之和超过或等于所述账户输出请求所对应的输出面额请求；
    输出所述输出单元组合，并更新所述账户状态信息。
  6. 根据权利要求5中所述的方法，其中，所述根据所述账户输出请求及所述账户状态信息，确定包括一个或多个所述货币单元的输出单元组合包括：
    检测所述输出单元组合是否满足输出限制条件；
    当所述输出单元组合满足所述输出限制条件时，输出所述输出单元组合，并更新所述账户状态信息。
  7. 根据权利要求6所述的方法，其中，所述输出限制条件包括所述输出单元组合中货币单元满足以下至少任一项：
    所述货币单元对应的单元标识信息的流通频次信息低于或等于流通频次阈值；
    所述货币单元所对应的目标输出账户属于所述货币单元的最新源账户的信任账户；
    所述货币单元无对应的单元标识信息；
    所述输出单元组合中所有无单元标识信息的货币单元的面额之和低于受信面额阈值。
  8. 根据权利要求6或7所述的方法，其中，该方法还包括：
    根据所述用户账户对应的账户输出历史记录信息确定所述输出限制条件。
  9. 根据权利要求1至8中任一项所述的方法，其中，所述将用户账户中的电子货币划分为一个或多个货币单元包括：
    根据预定的单元划分规则将用户账户中的电子货币划分为一个或多个货币单元。
  10. 根据权利要求9所述的方法，其中，该方法还包括：
    根据所述用户账户对应的账户输出历史记录信息确定所述单元划分规则。
  11. 根据权利要求1至10中任一项所述的方法，其中，该方法还包括：
    获取所述用户账户的账户输入信息；
    根据所述账户输入信息，更新所述账户状态信息。
  12. 根据权利要求11所述的方法，其中，所述根据所述账户输入信息，更新所述账户状态信息包括：
    将所述账户输入信息中货币单元的单元标识信息与面额的对应关系添加至所述账户状态信息。
  13. 根据权利要求11或12所述的方法，其中，所述根据所述账户输入信息，更新所述账户状态信息包括：
    对所述账户输入信息中待划分的电子货币进行划分及编码处理，获得一个或多个新增货币单元的单元标识信息与面额的对应关系；
    将所述一个或多个新增货币单元的单元标识信息与面额的对应关系添加至所述账户状态信息。
  14. 一种用于处理电子货币的设备，其中，该设备包括：
    第一装置，用于将用户账户中的电子货币划分为一个或多个货币单元；
    第二装置，用于通过编码处理确定所述一个或多个货币单元中至少一个的单元标识信息；
    第三装置，用于建立所述用户账户所对应的账户状态信息，其中，所述账户状态信息包括被编码处理的所述货币单元的单元标识信息与面额的对应关系。
  15. 根据权利要求14所述的设备，其中，该设备还包括：
    第四装置，用于获取账户输出请求；
    第五装置，用于根据所述账户输出请求及所述账户状态信息，确定包括一个或多个所述货币单元的输出单元组合，其中，所述输出单元组合中各货币单元的面额之和超过或等于所述账户输出请求所对应的输出面额请求；
    第六装置，用于输出所述输出单元组合，并更新所述账户状态信息。
  16. 根据权利要求15所述的设备，其中，该设备还包括：
    第七装置，用于根据所述用户账户对应的账户输出历史记录信息确定输出限制条件；并将所述输出限制条件传递给第六装置，用于确定所述输出单元组合是否满足输出限制条件。
  17. 根据权利要求15所述的设备，其中，该设备还包括：
    第八装置，用于根据所述用户账户对应的账户输出历史记录信息确定所述货币单元划分规则。
  18. 根据权利要求14至17中任一项所述的设备，其中，该设备还包括：
    第九装置，用于获取所述用户账户的账户输入信息；
    第十装置，用于根据所述账户输入信息，更新所述账户状态信息。
PCT/CN2016/075365 2015-03-02 2016-03-02 一种用于处理电子货币的方法与设备 Ceased WO2016138862A1 (zh)

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