Offline electronic currency payment method and device

Abstract

The present invention provides an offline electronic currency payment method and device, wherein the method includes: a security control module controls a communication module to establish a wireless connection with a first peer device, obtains wallet information from a file storage module, controls the communication module to send the wallet information to the first peer device, and does not delete the electronic currency stored in the file storage module after sending the wallet information to the first peer device; receives the payment information sent by the first peer device through the communication module, verifies that the offline account information of the first peer is not included in the offline transaction blacklist stored in the file storage module, obtains the first transaction information, digitally signs the first transaction information, sends the first transaction data to the first peer device through the communication module, and stores the first transaction record. The present invention only requires the user to use his own hardware wallet to perform a touch operation to complete the electronic currency offline payment, which makes the user's operation convenient while ensuring the security of the electronic currency offline payment.

Description

Technical Field

[0001] The present invention relates to the technical field of electronic currency transaction, and in particular to an offline electronic currency payment method and device. Background Art

[0002] With the development of the Internet, electronic transactions have become more and more popular. There are many forms of electronic transactions, such as bank transfers, WeChat payments, and Alipay payments. However, the above payment methods all require both parties or one party to be online to complete the transaction. Based on account transfers, it is necessary to connect to the bank backend to complete the transaction.

[0003] However, with the development of electronic currency, the above-mentioned electronic transaction method cannot be applied to electronic currency transactions. Therefore, providing a method and device for electronic currency payment has become a technical problem that needs to be solved urgently. Summary of the invention

[0004] The present invention aims to solve the above-mentioned problems.

[0005] The main purpose of the present invention is to provide an offline electronic currency payment method;

[0006] Another object of the present invention is to provide an offline electronic currency payment device.

[0007] To achieve the above object, the technical solution of the present invention is specifically implemented as follows:

[0008] On the one hand, the present invention provides an offline electronic currency payment method, comprising: a security control module controls a communication module to establish a wireless connection with a first peer device; the security control module obtains wallet information from a file storage module, and controls the communication module to send the wallet information to the first peer device, wherein the wallet information includes: offline account information, available balance and electronic currency, and the electronic currency includes at least the following fields: currency face value, owner identification and issuer signature, and the security control module does not delete the electronic currency stored in the file storage module after sending the wallet information to the first peer device; the security control module receives the payment information sent by the first peer device through the communication module, wherein the payment information is generated and sent after the first peer device verifies it, wherein the verification by the first peer device includes: the first peer device verifies that the offline account information is not included in the offline transaction blacklist stored in the first peer device, and verifies that the electronic currency is legal, and verifies that the available balance is less than or equal to the electronic currency. The total face value of the sub-currency, wherein the collection information at least includes the offline account information of the first peer end; the security control module verifies whether the offline account information of the first peer end is included in the offline transaction blacklist stored in the file storage module, if the offline account information of the first peer end is not included in the offline transaction blacklist stored in the file storage module, obtains the first transaction information, digitally signs the first transaction information, and sends the first transaction data to the first peer end device through the communication module, wherein the first transaction information at least includes: offline account information, first peer end offline account information, first transaction time and first transaction amount, and the first transaction data at least includes the first transaction information and the first signature information obtained by digitally signing the first transaction information; the security control module controls the file storage module to store the first transaction record, and the first transaction record includes: the first transaction data, and controls the file storage module to modify the stored current available balance to the balance obtained by deducting the first transaction amount from the available balance.

[0009] The method also includes: the security control module is connected to the background through the communication module, and the first transaction record and the current available balance are sent to the background. After the background confirms that the transaction record and the current available balance are correct, the background receives the offline electronic currency issued by the background according to the current available balance, and controls the file storage module to store the offline electronic currency, and deletes all the electronic currency stored in the file storage module, wherein the face value of the offline electronic currency is the current available balance.

[0010] Among them, before the security control module digitally signs the transaction information, the method also includes: the security control module obtains the first transaction amount, wherein the way of obtaining the first transaction amount includes: the security control module receives the first transaction amount through the keyboard module; or the security control module controls the communication module to receive the first transaction amount carried in the payment information sent by the first peer device.

[0011] Among them, the available balance includes: offline balance; electronic currency includes: offline electronic currency; the current available balance is the balance obtained by deducting the transaction amount from the offline balance.

[0012] Among them, the available balance includes: offline balance and in-transit balance; electronic currency includes: offline electronic currency and in-transit electronic currency; wallet information also includes: a second transaction record; wherein the second transaction record includes: second transaction data, the second transaction data includes: the second transaction information and the second signature information obtained by the second peer device signing the second transaction information, the second transaction information includes: offline account information, second peer offline account information, second transaction time and second transaction amount; the first peer device verification also includes: the first peer device uses the public key of the second peer device to verify the second signature information; the current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

[0013] The first transaction information also includes: a second transaction record.

[0014] Wherein, after the security control module is connected to the backend through the communication module, the method further includes: setting the in-transit balance to 0 and setting the offline balance to the current available balance.

[0015] On the other hand, the present invention provides an offline electronic currency payment device, including: a security control module, a communication module and a file storage module; wherein: the security control module is used to control the communication module to establish a wireless connection with a first peer device; obtain wallet information from the file storage module, and control the communication module to send the wallet information to the first peer device, wherein the wallet information includes: offline account information, available balance and electronic currency, and the electronic currency includes at least the following fields: currency face value, owner identification and issuer signature, and the security control module does not delete the electronic currency stored in the file storage module after sending the wallet information to the first peer device; the security control module is also used to receive the collection information sent by the first peer device through the communication module, wherein the collection information is generated and sent after the first peer device verifies it, wherein the verification by the first peer device includes: the first peer device verifies that the offline account information is not included in the offline transaction blacklist stored in the first peer device, and verifies that the electronic currency is legal , and verifying that the available balance is less than or equal to the total face value of the electronic currency, wherein the payment information at least includes the offline account information of the first peer; verifying whether the offline account information of the first peer is included in the offline transaction blacklist stored in the file storage module, if it is verified that the offline account information of the first peer is not included in the offline transaction blacklist stored in the file storage module, obtaining the first transaction information, digitally signing the first transaction information, and sending the first transaction data to the first peer device through the communication module, wherein the first transaction information at least includes: offline account information, first offline account information of the first peer, first transaction time and first transaction amount, and the first transaction data at least includes the first transaction information and the first signature information obtained by digitally signing the first transaction information; the security control module is also used to control the file storage module to store the first transaction record, the first transaction record includes: the first transaction data, and control the file storage module to modify the stored current available balance to the balance obtained by deducting the first transaction amount from the available balance.

[0016] Among them, the security control module is also used to connect with the background through the communication module, send the first transaction record and the current available balance to the background, and after the background confirms that the transaction record and the current available balance are correct, receive the offline electronic currency issued by the background according to the current available balance, and control the file storage module to store the offline electronic currency, and delete all electronic currencies stored in the file storage module, wherein the face value of the offline electronic currency is the current available balance.

[0017] Among them, the security control module is also used to obtain the first transaction amount before digitally signing the transaction information, and the method for obtaining the first transaction amount includes: controlling the communication module to receive the first transaction amount carried in the receipt information sent by the first counterpart device; or the device also includes: a keyboard module; the security control module is also used to obtain the first transaction amount before digitally signing the transaction information, and the method for obtaining the first transaction amount includes: the security control module receives the first transaction amount through the keyboard module.

[0018] Among them, the available balance includes: offline balance; electronic currency includes: offline electronic currency; the current available balance is the balance obtained by deducting the transaction amount from the offline balance.

[0019] Among them, the available balance includes: offline balance and in-transit balance; electronic currency includes: offline electronic currency and in-transit electronic currency; wallet information also includes: a second transaction record; wherein the second transaction record includes: second transaction data, the second transaction data includes: the second transaction information and the second signature information obtained by the second peer device signing the second transaction information, the second transaction information includes: offline account information, second peer offline account information, second transaction time and second transaction amount; the first peer device verification also includes: the first peer device uses the public key of the second peer device to verify the second signature information; the current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

[0020] The first transaction information also includes: a second transaction record.

[0021] The security control module is also used to set the in-transit balance to 0 and the offline balance to the current available balance after connecting to the backend through the communication module.

[0022] It can be seen from the technical solution provided by the present invention that an offline electronic currency payment method and device provided by the present invention realizes an offline payment method of electronic currency. The user only needs to use his own hardware wallet to perform a tap operation to complete the offline payment of electronic currency, which makes the user's operation convenient while ensuring the security of offline payment of electronic currency. BRIEF DESCRIPTION OF THE DRAWINGS

[0023] In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the accompanying drawings required for use in the description of the embodiments will be briefly introduced below. Obviously, the accompanying drawings described below are only some embodiments of the present invention. For ordinary technicians in this field, other accompanying drawings can be obtained based on these accompanying drawings without paying creative work.

[0024] Figure 1A flow chart of an offline electronic currency payment method provided by an embodiment of the present invention;

[0025] Figure 2 A schematic diagram of the structure of an offline electronic currency payment device provided in an embodiment of the present invention. DETAILED DESCRIPTION

[0026] The following is a clear and complete description of the technical solutions in the embodiments of the present invention in conjunction with the drawings in the embodiments of the present invention. Obviously, the described embodiments are only part of the embodiments of the present invention, not all of the embodiments. Based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without creative work are within the protection scope of the present invention.

[0027] In the description of the present invention, it should be understood that the terms "center", "longitudinal", "lateral", "upper", "lower", "front", "back", "left", "right", "vertical", "horizontal", "top", "bottom", "inside", "outside" and the like indicate positions or positional relationships based on the positions or positional relationships shown in the drawings, and are only for the convenience of describing the present invention and simplifying the description, rather than indicating or implying that the device or element referred to must have a specific orientation, be constructed and operated in a specific orientation, and therefore cannot be understood as limiting the present invention. In addition, the terms "first" and "second" are used for descriptive purposes only, and cannot be understood as indicating or implying relative importance, quantity or position.

[0028] In the description of the present invention, it should be noted that, unless otherwise clearly specified and limited, the terms "installed", "connected", and "connected" should be understood in a broad sense, for example, it can be a fixed connection, a detachable connection, or an integral connection; it can be a mechanical connection or an electrical connection; it can be a direct connection, or it can be indirectly connected through an intermediate medium, or it can be the internal communication of two components. For ordinary technicians in this field, the specific meanings of the above terms in the present invention can be understood according to specific circumstances.

[0029] The embodiments of the present invention will be described in further detail below with reference to the accompanying drawings.

[0030] Figure 1 A flowchart of an offline electronic currency payment method provided by an embodiment of the present invention is shown. Figure 1 The offline electronic currency payment method provided by the embodiment of the present invention includes:

[0031] S101, the security control module controls the communication module to establish a wireless connection with a first peer device.

[0032] Specifically, in the embodiment of the present invention, the subject that executes the offline electronic money payment method provided by the embodiment of the present invention is a payer device. Of course, the subject can also serve as a payee device at the same time.

[0033] In an embodiment of the present invention, the subject that executes the offline electronic currency payment method provided by the embodiment of the present invention (hereinafter referred to as the offline electronic currency payment device) can be various consumer terminals such as hardware wallets and smart phones, among which the hardware wallet can be a carrier of legal digital currency (electronic currency), a payment tool based on the digital currency circulation system, and can store digital currency value codes and user identity authentication information. It is a hardware product with a unique identifiable number, including but not limited to card wallets, special-shaped wallets, SIM cards, bracelets, etc.

[0034] The offline electronic money payment device provided in the embodiment of the present invention can establish a wireless connection with the first peer device to make electronic money payments. The electronic money payment made through the wireless connection can be convenient for users to use, so that users can operate remotely when paying, thereby improving user experience. Of course, in actual applications, the offline electronic money payment device can also establish a wired connection with the first peer device. The embodiment of the present invention only takes the offline electronic money payment device and the first peer device to establish a wireless connection as an example for explanation.

[0035] The wireless connection established between the offline electronic money payment device provided in the embodiment of the present invention and the first peer device can be NFC connection, Bluetooth connection, WIFI, infrared and the like, which is not specifically limited in the present invention. As an optional implementation of the embodiment of the present invention, the security control module controls the communication module to establish a wireless connection with the first peer device, including: the security control module controls the communication module to establish an NFC connection with the first peer device; the security control module controls the communication module to transmit Bluetooth pairing information through the NFC connection; the security control module controls the communication module to establish a Bluetooth connection with the first peer device using the Bluetooth pairing information. In the application, the user can perform a touch operation between the offline electronic money payment device and the first peer device, that is, the Bluetooth pairing information can be transmitted through the NFC connection, and then the offline electronic money payment device can be separated from the first peer device, avoiding the problem that the user can only pay with the offline electronic money payment device and the first peer device at a close distance, thereby improving the user experience. By transmitting the Bluetooth pairing information through the NFC connection, the device to be connected can be quickly found, the speed of the Bluetooth connection can be improved, and the problem of slow speed caused by the Bluetooth broadcasting of each information and searching for the other party for pairing in the traditional Bluetooth connection can be avoided, and the problem of the device to be connected being connected to other Bluetooth devices but unable to connect to the device can be further avoided.

[0036] In order to ensure the transaction security between the offline electronic money payment device and the first peer device, as an optional implementation of the embodiment of the present invention, after the security control module controls the communication module to establish a Bluetooth connection with the first peer device using the Bluetooth pairing information, before the security control module controls the communication module to send the wallet information to the first peer device, the offline electronic money payment method provided by the embodiment of the present invention also includes: the security control module uses the Bluetooth connection to perform mutual authentication with the first peer device. The authentication method may include, but is not limited to, verifying the other party's certificate, verifying the other party's identification, etc. This authentication method can adopt an existing authentication method, which will not be repeated here.

[0037] S102, the security control module obtains wallet information from the file storage module, and controls the communication module to send the wallet information to the first peer device, wherein the wallet information includes: offline account information, available balance and electronic currency, and the electronic currency includes at least the following fields: currency face value, owner identification and issuer signature. After sending the wallet information to the first peer device, the security control module does not delete the electronic currency stored in the file storage module.

[0038] Specifically, the offline electronic money payment device performs offline payment means that the offline electronic money payment device is used independently and is not connected to the backend.

[0039] Wallet information refers to the relevant information stored in the offline electronic currency payment device itself, which can be stored in the file storage module, and may include but is not limited to electronic currency, offline account information of the user of the offline electronic currency payment device, available balance of the offline electronic currency payment device, etc. As a further optional method for practical application, wallet information may also include the following: user information of the user of the offline electronic currency payment device, digital certificate, key and transaction information of the offline electronic currency payment device, etc.

[0040] As an optional implementation of an embodiment of the present invention, electronic currency may include electronic currency exchanged by a user of an offline electronic currency payment device from an issuer (i.e., offline electronic currency); or electronic currency may include electronic currency exchanged by a user of an offline electronic currency payment device from an issuer (i.e., offline electronic currency) and electronic currency paid by others to the offline electronic currency payment device (i.e., in-transit electronic currency).

[0041] As an optional implementation of the embodiment of the present invention, the available balance may include: offline balance; electronic currency includes: offline electronic currency. Wherein, the offline balance is equal to the face value of the electronic currency exchanged by the user of the offline electronic currency payment device from the issuer. For example, after the user of the offline electronic currency payment device exchanges the electronic currency from the People's Bank of China, the offline balance is set to the face value of the electronic currency. The offline balance can also be less than the face value of the electronic currency exchanged by the user of the offline electronic currency payment device from the issuer. For example, after the user of the offline electronic currency payment device exchanges the electronic currency from the People's Bank of China, he has paid one or more transactions. For the embodiment of the present invention, since the offline electronic currency payment device is in an offline state, after paying one or more transactions, the offline balance needs to deduct the amount paid, but the electronic currency exchanged from the People's Bank of China is not deleted. At this time, the offline balance is less than the face value of the electronic currency exchanged from the People's Bank of China.

[0042] As an optional implementation of an embodiment of the present invention, the available balance may include an offline balance and an in-transit balance; electronic currency includes offline electronic currency and in-transit electronic currency. When the offline electronic currency payment device is used as a collection device, in an offline state, the in-transit balance is the amount paid to the offline electronic currency payment device by other payment devices. When the offline electronic currency payment device is used as a payment device, if the offline balance is insufficient to pay the transaction amount, the in-transit balance can be used for payment, and the corresponding amount will be deducted from the in-transit balance. Of course, the in-transit balance can also be set to be unavailable, in which case the user can be prompted that the offline balance is insufficient. The in-transit balance can be set to be available or unavailable according to actual needs.

[0043] In an embodiment of the present invention, the security control module of the offline electronic currency payment device does not delete the electronic currency stored in its file storage module after sending the wallet information to the first counterpart device. This is because the offline electronic currency payment device is in an offline state and cannot perform background accounting. Therefore, only the value of the available balance of the offline electronic currency payment device is changed, and the electronic currency stored in the offline electronic currency payment device is not deleted, thereby avoiding the problem of deleting the electronic currency and causing the remaining amount of the electronic currency to be unavailable.

[0044] The electronic currency mentioned in the embodiment of the present invention may also be called digital currency, which is a currency in the form of data issued by the central bank. The electronic currency in the present invention includes at least the currency face value, owner identification and issuer signature.

[0045] Among them, the offline electronic currency only includes one electronic currency, the face value of which is equal to the amount to be exchanged and determined according to the exchange demand, or the offline electronic currency includes one or more electronic currencies, the face value of which is the same as the face value of existing paper currency.

[0046] When the offline electronic currency only includes one electronic currency, for example, the People's Bank of China issues an electronic currency corresponding to the amount to be exchanged according to the amount that the user needs to exchange, for example, XX needs to exchange 153 yuan of electronic currency, and the face value of the electronic currency exchanged by the People's Bank of China for XX is 153 yuan. When the offline electronic currency only includes one electronic currency with an uncertain face value, the amount of data storage is reduced, and the amount of data transmitted during each transaction can also be reduced, and the problem of change can also be avoided.

[0047] When the offline electronic currency includes one or more electronic currencies, the offline electronic currency can refer to the existing paper currency system and be one or more currencies with different fixed denominations, such as 1 yuan, 10 yuan, 20 yuan, 50 yuan and 100 yuan, etc. For example, XX needs to exchange 153 yuan of electronic currency, and the electronic currency exchanged by the People's Bank of China for XX can include one 100 yuan, one 50 yuan and three 1 yuan, or three 50 yuan and three 1 yuan, etc., which can be exchanged according to specific actual needs. When the offline electronic currency is a plurality of currencies with different fixed denominations, it can be used in common with the existing currency system.

[0048] The electronic money in transit is the electronic money that other payment devices pay to the offline electronic money payment device. The electronic money of other payment devices can also be constructed by referring to the two methods of offline electronic money mentioned above, which will not be repeated here.

[0049] The owner ID is used to indicate the electronic currency exchanged by the People's Bank of China for the user corresponding to the owner ID, indicating the source of the electronic currency.

[0050] The issuer's signature can be the signature data obtained by signing the electronic currency with the private key of the People's Bank of China, which is used to prove the legitimacy of the electronic currency.

[0051] Of course, as an embodiment of the present invention, the data format of electronic currency that can be used for implementation is as shown in Table 1 below:

[0052]

[0053]

[0054] Table 1

[0055] S103, the security control module receives the payment information sent by the first peer device through the communication module, wherein the payment information is generated and sent after verification by the first peer device, wherein the verification by the first peer device includes: the first peer device verifies that the offline account information is not included in the offline transaction blacklist stored in the first peer device, and verifies that the electronic currency is legal, and verifies that the available balance is less than or equal to the total face value of the electronic currency, wherein the payment information at least includes the offline account information of the first peer device.

[0056] Specifically, the first peer device stores an offline transaction blacklist, which is a list of devices that are defined as illegal users after the background finds problems with the devices of offline transactions after online settlement. Each time the first peer device is online, the background will update the offline transaction blacklist for it. After the first peer device updates the offline transaction blacklist, it stores the offline transaction blacklist. The first peer device verifies that the offline electronic currency payment device is not in the offline transaction blacklist, thereby ensuring that the offline electronic currency payment device is a safe device.

[0057] The first peer device verifies that the electronic currency is legitimate, which can ensure that the offline electronic currency payment device does have legitimate electronic currency and ensure the security of subsequent transactions. As an optional implementation of an embodiment of the present invention, the first peer device verifies that the electronic currency is legitimate, including: obtaining the issuer's public key, using the issuer's public key to verify the issuer's signature of the electronic currency, and verifying the owner's identification. If the verification of the issuer's signature passes and the verification of the owner's identification passes, the electronic currency is determined to be legitimate. By verifying the issuer's signature, it is determined that the electronic currency is indeed a legitimate currency issued by the People's Bank of China, and by verifying the owner's identification, it is determined that the electronic currency is indeed a legitimate electronic currency exchanged for a legitimate user.

[0058] The first peer device verifies that the available balance is less than or equal to the total face value of the electronic currency, thereby determining that the offline electronic currency payment device is operating normally and has not been illegally attacked, thereby ensuring that the offline electronic currency payment device that transacts with the first peer device is a secure device.

[0059] After the first peer device has passed all the verifications, the payment information will be sent to the offline electronic money payment device, and the payment information includes the offline account information of the first peer, so as to notify the offline electronic money payment device to pay the first peer device.

[0060] As an optional implementation of the embodiment of the present invention, the first transaction amount may be carried in the payment information and sent to the offline electronic money payment device so that the offline electronic money payment device learns the transaction amount.

[0061] S104, the security control module verifies whether the offline account information of the first peer is included in the offline transaction blacklist stored in the file storage module. If the offline account information of the first peer is not included in the offline transaction blacklist stored in the file storage module, the security control module obtains the first transaction information, digitally signs the first transaction information, and sends the first transaction data to the first peer device through the communication module, wherein the first transaction information at least includes: offline account information, first peer offline account information, first transaction time and first transaction amount, and the first transaction data at least includes the first transaction information and the first signature information obtained by digitally signing the first transaction information.

[0062] Specifically, the file storage module of the offline electronic currency payment device stores an offline transaction blacklist, which is a list of devices that are defined as illegal users after the background finds problems after the offline transaction device is online. Each time the offline electronic currency payment device is online, the background will update the offline transaction blacklist for it. After the offline electronic currency payment device updates the offline transaction blacklist, it stores the offline transaction blacklist. The offline electronic currency payment device ensures that the first peer device is a safe device by verifying that the first peer device is not in the offline transaction blacklist.

[0063] After the offline electronic money payment device ensures the security of the first peer device, the first transaction data will be sent to the first peer device to complete the payment of the offline electronic money payment device. The offline electronic money payment device signs the first transaction information to ensure the non-repudiation of the first transaction information. The offline account information and the first peer offline account information are used to identify the transaction parties, the first transaction time is used to identify the time of the transaction, and the first transaction amount is the amount of this transaction. For each transaction, the transaction information will include the above content to determine the uniqueness of each transaction.

[0064] As an optional implementation of the embodiment of the present invention, before the security control module digitally signs the first transaction information, the offline electronic currency payment method provided by the embodiment of the present invention also includes: the security control module obtains the first transaction amount, wherein the way of obtaining the first transaction amount includes: the security control module receives the first transaction amount through the keyboard module; or the security control module controls the communication module to receive the first transaction amount carried in the payment information sent by the first peer device. Specifically, the transaction amount can be entered on the offline electronic currency payment device, or on the first peer device, and then the first peer device sends the transaction amount to the offline electronic currency payment device for payment.

[0065] As an optional implementation of the embodiment of the present invention, before the security control module digitally signs the first transaction information, the offline electronic currency payment method provided by the embodiment of the present invention further includes: the security control module determines that the first transaction amount is less than or equal to the available balance. Thus, the offline electronic currency payment device can determine whether it has the ability to pay the transaction.

[0066] S105, the security control module controls the file storage module to store a first transaction record, the first transaction record including: first transaction data, and controls the file storage module to modify the stored current available balance to a balance obtained by deducting the first transaction amount from the available balance.

[0067] Specifically, after the payment is completed, the offline electronic currency payment device stores the transaction record so that it can be settled later when online. In addition, the offline electronic currency payment device also modifies the current available balance to ensure subsequent payment capabilities.

[0068] As an optional implementation of the embodiment of the present invention, the available balance includes: offline balance; the electronic currency includes: offline electronic currency; the current available balance is the balance obtained by deducting the transaction amount from the offline balance.

[0069] As an optional implementation of an embodiment of the present invention, the available balance includes: an offline balance and an in-transit balance; the electronic currency includes: an offline electronic currency and an in-transit electronic currency; the current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

[0070] As an optional implementation of an embodiment of the present invention, the offline electronic currency payment method provided by the embodiment of the present invention also includes: the security control module is connected to the background through the communication module, and sends the first transaction record and the current available balance to the background. After the background confirms that the transaction record and the current available balance are correct, it receives the offline electronic currency issued by the background according to the current available balance, and controls the file storage module to store the offline electronic currency, and deletes all electronic currencies stored in the file storage module, wherein the face value of the offline electronic currency is the current available balance.

[0071] Specifically, the offline electronic currency payment device can perform online settlement. Online means that the offline electronic currency payment device directly establishes a connection with the background through the network, or establishes a connection with the background through other devices (such as computers, mobile phones, etc.), which is not limited in the present invention. In the case of online settlement of the offline electronic currency payment device, the background needs to re-exchange new electronic currency for the offline electronic currency payment device. The face value of the new electronic currency is the current available balance of the offline electronic currency payment device, ensuring that after online settlement, the face value of the electronic currency of the offline electronic currency payment device is the same as the current available balance.

[0072] It can be seen that the offline electronic currency payment method provided by the embodiment of the present invention realizes an offline payment method of electronic currency. The user only needs to use his own hardware wallet to perform a tap operation to complete the offline payment of electronic currency, which makes the user's operation convenient while ensuring the security of offline payment of electronic currency.

[0073] As an optional implementation of an embodiment of the present invention, when an offline electronic currency payment device has received one or more amounts as a receiving device before payment, the offline electronic currency payment device can use the in-transit balance to make payment. At this time, the available balance includes: offline balance and in-transit balance; electronic currency includes: offline electronic currency and in-transit electronic currency; wallet information also includes: a second transaction record; wherein the second transaction record includes: second transaction data, the second transaction data includes: second transaction information and second signature information obtained by signing the second transaction information by the second peer device, the second transaction information includes: offline account information, second peer offline account information, second transaction time and second transaction amount; verification by the first peer device also includes: the first peer device verifies the second signature information using the public key of the second peer device; the current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

[0074] Specifically, when the offline electronic money payment device sends the wallet information to the first peer device, it carries the transaction record between the offline electronic money payment device and the second peer device. At the same time, the offline electronic money payment device also sends the electronic money received from the second peer device and the in-transit balance to the first peer device, so that the first peer device can verify whether the transaction record between the offline electronic money payment device and the second peer device is correct, and verify the payment ability of the offline electronic money payment device. The first peer device also verifies the second signature information in the second transaction record, thereby ensuring that the second transaction record is authentic and valid, that is, the transaction record is indeed recognized by the second peer device.

[0075] As an optional implementation of the embodiment of the present invention, the first transaction information also includes: a second transaction record. When the offline electronic currency payment device signs the first transaction information, it uses the second transaction record as part of the first transaction information, thereby ensuring that the second transaction record is authentic and valid, that is, the transaction record is indeed recognized by the offline electronic currency payment device.

[0076] As an optional implementation of the embodiment of the present invention, after the security control module is connected to the backend through the communication module, the security control module further includes: setting the in-transit balance to 0 and setting the offline balance to the current available balance. This ensures that after the online settlement, the electronic currency of the offline electronic currency payment device corresponds to the current available balance, thereby avoiding the problem of unavailable balance.

[0077] Figure 2 The offline electronic money payment device provided by the embodiment of the present invention is shown. The device adopts the offline electronic money payment method. The structure of the offline electronic money payment device is briefly described below. For other matters not covered, please refer to the relevant description of the offline electronic money payment method. Figure 2The offline electronic money payment device provided by the embodiment of the present invention comprises: a security control module, a communication module and a file storage module; wherein:

[0078] A security control module, used to control the communication module to establish a wireless connection with the first peer device; obtain wallet information from the file storage module, and control the communication module to send the wallet information to the first peer device, wherein the wallet information includes: offline account information, available balance and electronic currency, and the electronic currency includes at least the following fields: currency denomination, owner identification and issuer signature, and the security control module does not delete the electronic currency stored in the file storage module after sending the wallet information to the first peer device;

[0079] The security control module is further used to receive the payment information sent by the first peer device through the communication module, wherein the payment information is generated and sent after the first peer device verifies and passes, wherein the verification by the first peer device includes: the first peer device verifies that the offline account information is not included in the offline transaction blacklist stored in the first peer device, verifies that the electronic currency is legal, and verifies that the available balance is less than or equal to the total face value of the electronic currency, wherein the payment information at least includes the first peer offline account information; verifies whether the first peer offline account information is included in the offline transaction blacklist stored in the file storage module, if it is verified that the first peer offline account information is not included in the offline transaction blacklist stored in the file storage module, obtains the first transaction information, digitally signs the first transaction information, and sends the first transaction data to the first peer device through the communication module, wherein the first transaction information at least includes: offline account information, first peer offline account information, first transaction time and first transaction amount, and the first transaction data at least includes the first transaction information and the first signature information obtained by digitally signing the first transaction information;

[0080] The security control module is also used to control the file storage module to store the first transaction record, the first transaction record includes: first transaction data, and the control file storage module modifies the stored current available balance to the balance obtained by deducting the first transaction amount from the available balance.

[0081] As an optional implementation scheme of the present invention, the security control module is also used to connect to the background through the communication module, send the first transaction record and the current available balance to the background, and after the background confirms that the transaction record and the current available balance are correct, receive the offline electronic currency issued by the background according to the current available balance, and control the file storage module to store the offline electronic currency, and delete all electronic currencies stored in the file storage module, wherein the face value of the offline electronic currency is the current available balance.

[0082] As an optional implementation manner of an embodiment of the present invention, the security control module is also used to obtain a first transaction amount before digitally signing the transaction information, wherein the method for obtaining the first transaction amount includes: controlling the communication module to receive the first transaction amount carried in the receipt information sent by the first counterpart device; or the offline electronic currency payment device provided by the embodiment of the present invention also includes: a keyboard module; the security control module is also used to obtain the first transaction amount before digitally signing the transaction information, wherein the method for obtaining the first transaction amount includes: the security control module receives the first transaction amount through the keyboard module.

[0083] As an optional implementation of the embodiment of the present invention, the available balance includes: offline balance; the electronic currency includes: offline electronic currency; the current available balance is the balance obtained by deducting the transaction amount from the offline balance.

[0084] As an optional implementation manner of an embodiment of the present invention, the available balance includes: an offline balance and an in-transit balance; the electronic currency includes: an offline electronic currency and an in-transit electronic currency; the wallet information also includes: a second transaction record; wherein the second transaction record includes: a second transaction data, the second transaction data includes: the second transaction information and the second signature information obtained by the second peer device signing the second transaction information, the second transaction information includes: offline account information, second peer offline account information, second transaction time and second transaction amount; the first peer device verification also includes: the first peer device uses the public key of the second peer device to verify the second signature information; the current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

[0085] As an optional implementation manner of the embodiment of the present invention, the first transaction information also includes: a second transaction record.

[0086] As an optional implementation of the embodiment of the present invention, the security control module is also used to set the in-transit balance to 0 and the offline balance to the current available balance after connecting to the backend through the communication module.

[0087] As an optional implementation manner of an embodiment of the present invention, the security control module controls the communication module to establish a wireless connection with the first peer device in the following manner: the security control module is specifically used to control the communication module to establish an NFC connection with the first peer device; the communication module is controlled to transmit Bluetooth pairing information through the NFC connection; the communication module is controlled to use the Bluetooth pairing information to establish a Bluetooth connection with the first peer device.

[0088] As an optional implementation manner of an embodiment of the present invention, the security control module is also used to use the Bluetooth connection to perform mutual authentication with the first peer device after the control communication module uses the Bluetooth pairing information to establish a Bluetooth connection with the first peer device and before the control communication module sends the wallet information to the first peer device.

[0089] It can be seen that the offline electronic currency payment device provided by the embodiment of the present invention realizes an offline payment method of electronic currency. The user only needs to use his own hardware wallet to perform a tap operation to complete the offline payment of electronic currency, which makes the user's operation convenient while ensuring the security of offline payment of electronic currency.

[0090] Any process or method description in a flowchart or otherwise described herein may be understood to represent a module, segment or portion of code that includes one or more executable instructions for implementing the steps of a specific logical function or process, and the scope of the preferred embodiments of the present invention includes alternative implementations in which functions may not be performed in the order shown or discussed, including performing functions in a substantially simultaneous manner or in the reverse order depending on the functions involved, which should be understood by those skilled in the art to which the embodiments of the present invention belong.

[0091] It should be understood that the various parts of the present invention can be implemented by hardware, software, firmware or a combination thereof. In the above-mentioned embodiments, a plurality of steps or methods can be implemented by software or firmware stored in a memory and executed by a suitable instruction execution system. For example, if implemented by hardware, as in another embodiment, it can be implemented by any one of the following technologies known in the art or their combination: a discrete logic circuit having a logic gate circuit for implementing a logic function for a data signal, a dedicated integrated circuit having a suitable combination of logic gate circuits, a programmable gate array (PGA), a field programmable gate array (FPGA), etc.

[0092] A person skilled in the art may understand that all or part of the steps in the method for implementing the above-mentioned embodiment may be completed by instructing related hardware through a program, and the program may be stored in a computer-readable storage medium, which, when executed, includes one or a combination of the steps of the method embodiment.

[0093] In addition, each functional unit in each embodiment of the present invention may be integrated into a processing module, or each unit may exist physically separately, or two or more units may be integrated into one module. The above-mentioned integrated module may be implemented in the form of hardware or in the form of a software functional module. If the integrated module is implemented in the form of a software functional module and sold or used as an independent product, it may also be stored in a computer-readable storage medium.

[0094] The storage medium mentioned above can be a read-only memory, a magnetic disk or an optical disk, etc.

[0095] In the description of this specification, the description with reference to the terms "one embodiment", "some embodiments", "examples", "specific examples", or "some examples" means that the specific features, structures, materials or characteristics described in conjunction with the embodiment or example are included in at least one embodiment or example of the present invention. In this specification, the schematic representation of the above terms does not necessarily refer to the same embodiment or example. Moreover, the specific features, structures, materials or characteristics described may be combined in any one or more embodiments or examples in a suitable manner.

[0096] Although the embodiments of the present invention have been shown and described above, it is understood that the above embodiments are exemplary and cannot be understood as limiting the present invention. Those skilled in the art may change, modify, replace and modify the above embodiments within the scope of the present invention without departing from the principles and purpose of the present invention. The scope of the present invention is defined by the appended claims and their equivalents.

Claims

1. An offline electronic currency payment method, characterized in that: include: When the security control module is not connected to the backend, the security control module controls the communication module to establish a wireless connection with the first peer device; The security control module obtains wallet information from the file storage module, and controls the communication module to send the wallet information to the first peer device, wherein the wallet information includes: offline account information, available balance and electronic currency, and the electronic currency includes at least the following fields: currency denomination, owner identification and issuer signature, and the security control module does not delete the electronic currency stored in the file storage module after sending the wallet information to the first peer device; The security control module receives the payment information sent by the first peer device through the communication module, wherein the payment information is generated and sent after the first peer device verifies and passes, wherein the verification and passing by the first peer device includes: the first peer device verifies that the offline account information is not included in the offline transaction blacklist stored by the first peer device, verifies that the electronic currency is legal, and verifies that the available balance is less than or equal to the total face value of the electronic currency, wherein the payment information at least includes the first peer offline account information; The security control module verifies whether the first peer offline account information is included in the offline transaction blacklist stored in the file storage module. If the first peer offline account information is not included in the offline transaction blacklist stored in the file storage module, the security control module obtains first transaction information, digitally signs the first transaction information, and sends first transaction data to the first peer device through the communication module, wherein the first transaction information at least includes: the offline account information, the first peer offline account information, the first transaction time, and the first transaction amount, and the first transaction data at least includes the first transaction information and first signature information obtained by digitally signing the first transaction information; The security control module controls the file storage module to store a first transaction record, wherein the first transaction record includes: the first transaction data, and controls the file storage module to modify the stored current available balance to a balance obtained by deducting the first transaction amount from the available balance; After the security control module is connected to the background through the communication module, the first transaction record and the current available balance are sent to the background. After the background confirms that the transaction record and the current available balance are correct, the background receives the offline electronic currency issued by the background according to the current available balance, controls the file storage module to store the offline electronic currency, and deletes all electronic currencies stored in the file storage module, wherein the face value of the offline electronic currency is the current available balance.

2. The method according to claim 1, characterized in that Before the security control module digitally signs the transaction information, it also includes: The security control module obtains the first transaction amount, wherein the method of obtaining the first transaction amount includes: The security control module receives the first transaction amount through the keyboard module; or The security control module controls the communication module to receive the first transaction amount carried in the payment information sent by the first peer device.

3. The method according to claim 2, characterized in that The available balance includes: offline balance; The electronic currency includes: offline electronic currency; The current available balance is the balance obtained by deducting the transaction amount from the offline balance.

4. The method according to claim 2, characterized in that: The available balance includes: offline balance and in-transit balance; The electronic money includes: offline electronic money and in-transit electronic money; The wallet information also includes: a second transaction record; wherein the second transaction record includes: second transaction data, the second transaction data includes: second transaction information and second signature information obtained by signing the second transaction information by the second peer device, and the second transaction information includes: the offline account information, the second peer offline account information, the second transaction time and the second transaction amount; The first peer device verifying that the second signature information is passed also includes: the first peer device using the public key of the second peer device to verify that the second signature information is passed; The current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

5. The method according to claim 4, characterized in that The first transaction information also includes: the second transaction record.

6. The method according to claim 4, characterized in that After the security control module is connected to the backend through the communication module, the method further includes: setting the in-transit balance to 0 and setting the offline balance to the current available balance.

7. An offline electronic money payment device, characterized in that: include: Security control module, communication module and file storage module; wherein: The security control module is used to control the communication module to establish a wireless connection with the first peer device without being connected to the backend; obtain wallet information from the file storage module, and control the communication module to send the wallet information to the first peer device, wherein the wallet information includes: offline account information, available balance and electronic currency, and the electronic currency includes at least the following fields: currency face value, owner identification and issuer signature, and the security control module does not delete the electronic currency stored in the file storage module after sending the wallet information to the first peer device; The security control module is further used to receive the payment information sent by the first peer device through the communication module, wherein the payment information is generated and sent after the first peer device verifies and passes, wherein the verification by the first peer device includes: the first peer device verifies that the offline account information is not included in the offline transaction blacklist stored in the first peer device, verifies that the electronic currency is legal, and verifies that the available balance is less than or equal to the total face value of the electronic currency, wherein the payment information at least includes the first peer offline account information; verifies whether the first peer offline account information is included in the offline transaction blacklist stored in the file storage module, if it is verified that the first peer offline account information is not included in the offline transaction blacklist stored in the file storage module, obtains first transaction information, digitally signs the first transaction information, and sends first transaction data to the first peer device through the communication module, wherein the first transaction information at least includes: the offline account information, the first peer offline account information, the first transaction time and the first transaction amount, and the first transaction data at least includes the first transaction information and the first signature information obtained by digitally signing the first transaction information; The security control module is further used to control the file storage module to store a first transaction record, wherein the first transaction record includes: the first transaction data, and to control the file storage module to modify the stored current available balance to a balance obtained by deducting the first transaction amount from the available balance; The security control module is also used to connect to the background through the communication module, send the first transaction record and the current available balance to the background, and after the background confirms that the transaction record and the current available balance are correct, receive the offline electronic currency issued by the background according to the current available balance, control the file storage module to store the offline electronic currency, and delete all electronic currencies stored in the file storage module, wherein the face value of the offline electronic currency is the current available balance.

8. The device according to claim 7, characterized in that The security control module is further configured to obtain the first transaction amount before digitally signing the transaction information, wherein the method of obtaining the first transaction amount includes: controlling the communication module to receive the first transaction amount carried in the payment information sent by the first peer device; Or the device also includes: a keyboard module; the security control module is also used to obtain the first transaction amount before digitally signing the transaction information, wherein the method of obtaining the first transaction amount includes: the security control module receiving the first transaction amount through the keyboard module.

9. The device according to claim 8, characterized in that The available balance includes: offline balance; The electronic currency includes: offline electronic currency; The current available balance is the balance obtained by deducting the transaction amount from the offline balance.

10. The device according to claim 9, characterized in that The available balance includes: offline balance and in-transit balance; The electronic money includes: offline electronic money and in-transit electronic money; The wallet information also includes: a second transaction record; wherein the second transaction record includes: second transaction data, the second transaction data includes: second transaction information and second signature information obtained by signing the second transaction information by the second peer device, and the second transaction information includes: the offline account information, the second peer offline account information, the second transaction time and the second transaction amount; The first peer device verifying that the second signature information is passed also includes: the first peer device using the public key of the second peer device to verify that the second signature information is passed; The current available balance is the balance obtained by deducting the first transaction amount from the sum of the offline balance and the in-transit balance.

11. The device according to claim 10, characterized in that The first transaction information also includes: the second transaction record.

12. The device according to claim 10, characterized in that The security control module is further used to set the in-transit balance to 0 and the offline balance to the current available balance after being connected to the backend through the communication module.

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