A digital currency payment method and device

Abstract

The present invention discloses a digital currency payment method and device, relating to the field of computer technology. A specific embodiment of the method includes: a payment device, based on instructions sent by a payment device, determining transaction information for a current digital currency transaction, accessing the transaction information via a local security chip, and sending the transaction information to the payment device for verification. The transaction information includes digital currency or identification information, which is used to identify the payment device's wallet account or digital currency. After determining that the transaction information has been verified, the payment device updates the digital currency balance. This embodiment supports dual offline transactions, meeting the requirements of a wide range of scenarios, and is time-efficient. When connected to a network, the transaction speed is fast.

Description

Technical Field

[0001] The present invention relates to the field of computer technology, and in particular to a digital currency payment method and device. Background Art

[0002] In existing wallet transactions, online transfers or deductions between backend accounts are performed through methods like scanning a QR code, but payment and receipt generally cannot be performed offline, point-to-point. In the digital currency payment system, relying on digital currency expressions can achieve offline payments, but operations such as transmitting expression information and verifying it are relatively time-consuming.

[0003] In the process of implementing the present invention, the inventors discovered that the prior art has at least the following problems:

[0004] It is impossible to simultaneously meet the digital currency payment requirements of full scenario coverage and high transaction speed. Summary of the Invention

[0005] In view of this, an embodiment of the present invention provides a digital currency payment method and device that can support dual offline transactions, meet the needs of wide coverage of scenarios, and is time-saving and has a fast transaction rate when connected to the Internet.

[0006] To achieve the above objectives, according to one aspect of an embodiment of the present invention, a digital currency payment method is provided.

[0007] A digital currency payment method, comprising: a paying device determining transaction information of a current digital currency transaction based on an instruction sent by a receiving device; the paying device calling the transaction information via a local security chip and sending the transaction information to the receiving device for verification, the transaction information including digital currency or identification information, the identification information being used to identify the wallet account or digital currency of the paying device; and the paying device updating the digital currency balance after determining that the transaction information passes the verification.

[0008] Optionally, the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device, including: the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device and a preset correspondence between the instruction and the transaction information type, and the instruction sent by the payment device is related to the network status and / or device form of both the payment device and the payment device.

[0009] Optionally, when the payment receiving device is in the form of a device with networking capabilities and the network status is online, the transaction information includes a wallet account identifier, a digital currency identifier, and one of the digital currencies; the payment device calls the transaction information through a local security chip, including: the payment device obtains the wallet account identifier, the digital currency identifier, and one of the digital currencies from the local security chip to generate the transaction information.

[0010] Optionally, before the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device, it includes: when the payment device performs a recharge operation, it obtains the digital currency issued from the backend system of the digital currency operating organization and stores the corresponding digital currency identifier in the local security chip.

[0011] Optionally, when the transaction information is generated based on the digital currency identifier, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: after determining that the transaction information passes the verification, the payment device performs a deduction operation through the backend system of the digital currency operating organization, and the payment device updates the local digital currency balance after receiving the deduction completion instruction returned by the backend system of the operating organization.

[0012] Optionally, when the payment device is in the form of a device with Internet access capability, the wallet account identifier is one of the parent wallet account identifier of the payment device, other online wallet account identifiers, and local wallet account identifiers; when the payment device is in the form of a device without Internet access capability, the wallet account identifier is the local wallet account identifier of the payment device.

[0013] Optionally, before the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device, it includes: the payment device receives the wallet account identifier issued by the backend system of the digital currency operating institution when opening a wallet account, and stores the wallet account identifier in the local security chip. When the wallet account identifier is the local wallet account identifier, when the payment device performs a recharge operation, the backend system of the operating institution records the mapping relationship between the recharged digital currency and the local wallet account identifier.

[0014] Optionally, when the transaction information is generated based on the local wallet account identifier, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: after determining that the transaction information passes the verification, the payment device performs a deduction operation through the operating agency's backend system, and the payment device updates the digital currency balance of the local wallet account according to the deduction completion instruction returned by the operating agency's backend system.

[0015] Optionally, when the transaction information is generated based on the parent wallet account identifier or the other online wallet account identifier, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: after determining that the transaction information passes the verification, the payment device performs a deduction operation through the operating organization's backend system, and updates the digital currency balance in the corresponding parent wallet application or online wallet application, and does not update the digital currency balance of the local wallet account.

[0016] Optionally, when the payment receiving device is in the form of a device that does not have networking capabilities, or when the payment receiving device is in the form of a device that has networking capabilities but the network status is offline, the transaction information includes the digital currency; the payment device calls the transaction information through the local security chip, including: the payment device obtains the digital currency from the local security chip to generate the transaction information.

[0017] Optionally, when the transaction information is generated based on the digital currency, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: the payment device updates the local digital currency balance after determining that the transaction information passes the verification.

[0018] According to another aspect of an embodiment of the present invention, a digital currency payment device is provided.

[0019] A digital currency payment device, located in a payment device, includes: a transaction information determination module, configured to determine transaction information for a current digital currency transaction based on instructions sent by a payment device; a security chip storage module, configured to retrieve the transaction information via a local security chip and send the transaction information to the payment device for verification, wherein the transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account or digital currency of the payment device; and a balance update module, configured to update the digital currency balance after determining that the transaction information passes the verification.

[0020] Optionally, the transaction information determination module is further used to: determine the transaction information of this digital currency transaction according to the instructions sent by the payment device and the preset correspondence between the instructions and the transaction information type, and the instructions sent by the payment device are related to the network status and / or device form of both the payment device and the payment device.

[0021] Optionally, when the payment device is in the form of a device with networking capabilities and the network status is online, the transaction information includes one of a wallet account identifier, a digital currency identifier, and a digital currency; the security chip storage module is also used to: obtain the wallet account identifier, the digital currency identifier, and one of the digital currency from the local security chip to generate the transaction information.

[0022] Optionally, the security chip storage module is further used to: when the payment device performs a recharge operation, obtain the digital currency issued from the backend system of the digital currency operating organization, and store the corresponding digital currency identifier in the local security chip.

[0023] Optionally, when the transaction information is generated based on the digital currency identifier, the balance update module is also used for: after the payment device determines that the transaction information has passed the verification, the payment device performs a deduction operation through the backend system of the digital currency operating agency; after the payment device receives the deduction completion instruction returned by the backend system of the operating agency, the payment device updates the local digital currency balance.

[0024] Optionally, when the payment device is in the form of a device with Internet access capability, the wallet account identifier is one of the parent wallet account identifier of the payment device, other online wallet account identifiers, and local wallet account identifiers; when the payment device is in the form of a device without Internet access capability, the wallet account identifier is the local wallet account identifier of the payment device.

[0025] Optionally, the security chip storage module is also used to: receive the wallet account identifier issued by the backend system of the digital currency operator when the payment device opens a wallet account, and store the wallet account identifier in the local security chip. When the wallet account identifier is the local wallet account identifier, when the payment device performs a recharge operation, the backend system of the operator records the mapping relationship between the recharged digital currency and the local wallet account identifier.

[0026] Optionally, when the transaction information is generated based on the local wallet account identifier, the balance update module is further used to: after determining that the transaction information passes the verification, perform a deduction operation through the operating organization's backend system, and update the digital currency balance of the local wallet account according to the deduction completion instruction returned by the operating organization's backend system.

[0027] Optionally, when the transaction information is generated based on the parent wallet account identifier or the other online wallet account identifier, the balance update module is further used to: after determining that the transaction information passes the verification, perform a deduction operation through the operating organization's backend system, and update the digital currency balance in the corresponding parent wallet application or online wallet application, without updating the digital currency balance of the local wallet account.

[0028] Optionally, when the payment receiving device is in the form of a device without networking capability, or when the payment receiving device is in the form of a device with networking capability but the network status is offline, the transaction information includes the digital currency; the security chip storage module is also used for: the payment device obtains the digital currency from the local security chip to generate the transaction information.

[0029] Optionally, when the transaction information is generated based on the digital currency, the balance updating module is further used to: update the local digital currency balance after determining that the transaction information passes the verification.

[0030] According to yet another aspect of the embodiments of the present invention, an electronic device is provided.

[0031] An electronic device comprises: one or more processors; and a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the digital currency payment method provided in an embodiment of the present invention.

[0032] According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.

[0033] A computer-readable medium stores a computer program, which, when executed by a processor, implements the digital currency payment method provided in an embodiment of the present invention.

[0034] One embodiment of the above invention has the following advantages or beneficial effects: the payment device determines the transaction information of the current digital currency transaction based on the instruction sent by the payment receiving device, retrieves the transaction information through the local security chip, and sends the transaction information to the payment receiving device for verification. The transaction information includes digital currency or identification information, which is used to identify the payment device's wallet account or digital currency. After determining that the transaction information has been verified, the payment device updates the digital currency balance. It can support dual offline transactions, meet the needs of wide coverage scenarios, and has a short transaction time. When connected to the network, the transaction speed is fast.

[0035] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0036] The accompanying drawings are provided for a better understanding of the present invention and are not intended to limit the present invention.

[0037] Figure 1 This is a schematic diagram of the main steps of a digital currency payment method according to one embodiment of the present invention;

[0038] Figure 2 This is a schematic diagram of a digital currency payment process according to an embodiment of the present invention;

[0039] Figure 3 is a schematic diagram of the balance status of a networked mobile phone terminal according to one embodiment of the present invention;

[0040] Figure 4 is a schematic diagram of the balance status of a networked mobile phone terminal according to another embodiment of the present invention;

[0041] Figure 5 1 is a schematic diagram of the IC card non-network balance status according to an embodiment of the present invention;

[0042] Figure 6 This is a schematic diagram of the main modules of a digital currency payment device according to one embodiment of the present invention;

[0043] Figure 7 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

[0044] Figure 8 It is a schematic diagram of the structure of a computer system of a terminal device suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0045] The following description of exemplary embodiments of the present invention is made in conjunction with the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding. These details should be considered as merely exemplary. Therefore, it should be appreciated by those skilled in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, descriptions of well-known functions and structures are omitted in the following description.

[0046] Figure 1 1 is a schematic diagram of the main steps of a digital currency payment method according to an embodiment of the present invention.

[0047] like Figure 1 As shown, the digital currency payment method according to an embodiment of the present invention mainly includes the following steps S101 to S103.

[0048] Step S101: The payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device;

[0049] Step S102: The payment device retrieves transaction information through a local security chip and sends the transaction information to the payment device for verification. The transaction information includes digital currency or identification information, which is used to identify the wallet account or digital currency of the payment device.

[0050] Step S103: After confirming that the transaction information has passed the verification, the payment device updates the digital currency balance.

[0051] Digital currency transactions specifically refer to the payment of digital currency, and the instructions sent by the payment device are used to initiate the payment process.

[0052] According to the type of identification information, the identification information used to identify the wallet account of the payment device is called the wallet account identification, and the identification information used to identify the digital currency in the payment device is called the digital currency identification.

[0053] The payment device determines the transaction information of the current digital currency transaction based on the instruction sent by the payment receiving device. Specifically, the payment device determines the transaction information of the current digital currency transaction based on the instruction sent by the payment receiving device and the preset correspondence between the instruction and the transaction information type. The instruction sent by the payment receiving device is related to the network status and / or device form of both the payment device and the payment receiving device.

[0054] If the payment device is an internet-capable device and is online, for example, an online mobile phone terminal, the transaction information includes the wallet account identifier, the digital currency identifier, and one of the digital currencies. Online means that the payment device has established a network connection with the backend system of the digital currency operator.

[0055] The payment device calls the transaction information through the local security chip, specifically including: the payment device obtains one of the wallet account identifier, digital currency identifier, and digital currency from the local security chip to generate transaction information.

[0056] In one embodiment, before the payment device determines the transaction information of this digital currency transaction based on the instruction sent by the payment device, the payment device can obtain the digital currency issued from the backend system of the digital currency operating organization (hereinafter referred to as the operating organization backend) when performing the recharge operation, and store the corresponding digital currency identifier in the local security chip.

[0057] In the case of generating transaction information based on a digital currency identifier, the payment device updates the digital currency balance after determining that the transaction information has passed verification, including: after determining that the transaction information has passed verification, the payment device executes a deduction operation through the backend system of the digital currency operating organization; after receiving the deduction completion instruction returned by the backend system of the operating organization, the payment device updates the local digital currency balance.

[0058] When the payment device is in the form of a device with networking capability, the wallet account identifier is one of a parent wallet account identifier of the payment device, other online wallet account identifiers, and a local wallet account identifier.

[0059] In the case where the payment device is in the form of a device without networking capability, for example, the payment device is an IC card, the wallet account identifier is a local wallet account identifier of the payment device.

[0060] In one embodiment, before the payment device determines the transaction information of this digital currency transaction based on the instruction sent by the payment device, the payment device can receive the wallet account identifier issued by the backend system of the digital currency operating institution when opening a wallet account, and store the wallet account identifier in a local security chip. When the wallet account identifier is a local wallet account identifier, when the payment device performs a recharge operation, the backend system of the operating institution records the mapping relationship between the recharged digital currency and the local wallet account identifier.

[0061] When transaction information is generated based on the local wallet account identifier, the payment device updates the digital currency balance after determining that the transaction information has passed verification. Specifically, after determining that the transaction information has passed verification, the payment device executes a deduction operation through the operating organization's backend system, and the payment device updates the digital currency balance of the local wallet account according to the deduction completion instruction returned by the operating organization's backend system.

[0062] In the case of generating transaction information based on the parent wallet account identifier or other online wallet account identifier, the payment device updates the digital currency balance after determining that the transaction information has passed verification. Specifically, after determining that the transaction information has passed verification, the payment device executes the deduction operation through the operating organization's backend system and updates the digital currency balance in the corresponding parent wallet application or online wallet application. The digital currency balance of the local wallet account is not updated.

[0063] When the payment receiving device is in the form of a device without Internet access, or when the payment receiving device is in the form of a device with Internet access but the network status is offline, the transaction information includes digital currency, that is, a digital currency coin string.

[0064] The payment device calls the transaction information through the local security chip, specifically including: the payment device obtains digital currency from the local security chip to generate transaction information.

[0065] In the case of generating transaction information based on digital currency, the payment device updates the digital currency balance after determining that the transaction information has passed verification, specifically including: the payment device updates the local digital currency balance after determining that the transaction information has passed verification.

[0066] The payment device of an embodiment of the present invention utilizes a local secure chip to store transaction information in both digital currency and identification information, supporting both dual-offline payment and the faster single-offline payment. Based on instructions from the payment receiving device, the payment device determines whether to transfer digital currency or identification information, initiating either dual-offline payment or single-offline payment. Identification information can be used to identify parent wallet accounts, other online wallet accounts, local wallet accounts, and local digital currency. Different identifiers provide different user experiences. Furthermore, the storage mechanism for local account balances varies depending on the terminal form factor, networking capabilities, and identified accounts. For example, payment devices such as mobile terminals can maintain both online and local balances, maintaining separate balances. Payment devices such as IC card terminals, however, can transfer digital currency or identification information to maintain a unified local balance. This embodiment of the present invention can rely on either local digital currency or an institution's backend account system for transactions. The mapping between identification information and wallet accounts can also be customized based on the business, offering strong scalability.

[0067] Figure 2 This is a schematic diagram of the digital currency payment process according to an embodiment of the present invention. Figure 2 As shown, the process includes:

[0068] Step S201: The transaction parties establish a connection;

[0069] The two parties to a transaction are specifically the payer and the payee. The payer is the payment device, such as a payment terminal, and the payee is the payment device, such as a payment terminal. The payer and payee can establish a connection through their respective short-range communication modules. The short-range communication module is responsible for establishing the payment channel between the two parties and transmitting transaction information such as certificates. Communication methods can include NFC (near-field communication), Bluetooth communication, WLAN (wireless local area network) direct connection, UWB (ultra-wideband), etc.

[0070] Both parties to the transaction are equipped with a secure chip storage module, which is primarily used to store sensitive transaction information, including digital currency, as well as identification information used by the operator's backend to identify accounts or digital currency, transaction records, and wallet balances. Depending on the terminal form factor, this identification information can identify the local wallet, local digital currency, or the user's online wallet.

[0071] The embodiment of the present invention establishes an association between security chip transaction information storage and the operator's backend. Specifically, there are three methods: Method 1: When the payer user opens a digital currency wallet, the operator's backend saves the user information and sends identification information to the payer's local security chip. This identification information identifies the local wallet account, called the local wallet account identifier. When the user recharges, the operator's backend sends digital currency to the payer's local security chip and records the mapping relationship between this identification information (local wallet account identifier) ​​and the digital currency. Method 2: When the payer user opens a digital currency wallet, the operator's backend saves the user information and sends identification information to the payer's local security chip. This identification information identifies the user's parent wallet, called the parent wallet account identifier, or this identification information identifies the user's other online wallet accounts, called the other online wallet account identifier. Subsequent local digital currency recharges by the user are not related to this identification information. Method 3: When the user recharges, the operator's backend sends digital currency and records this digital currency information. When the user subsequently transmits information such as the serial number, the operator updates the backend account.

[0072] The two parties to the transaction establish a communication connection and initiate a transaction. There are two specific methods: one is when the payee is online (that is, the payment device is in the form of a device with Internet access and the network status is online), the payer transmits the identification information or digital currency to the payee. The identification information can be a local wallet identifier, an online wallet identifier, or a digital currency identifier. The payee transmits the identification information to the payer's operating agency backend for verification. The second is when the payee is offline (that is, the payment device is in the form of a device that does not have Internet access, or the payment device is in the form of a device with Internet access but the network status is offline), the payer transmits the digital currency to the payee, and the payee performs local verification. Transmitting digital currency refers to transmitting digital currency strings.

[0073] Step S202: The transaction parties confirm the transaction information to be transferred;

[0074] The two parties to the transaction can determine the type of transaction information to be transmitted based on the network status and terminal form of both parties. Specifically, after the payee receives the input payment amount, the payee determines the instructions that need to be sent to the payer based on the network status and terminal form (i.e., device form) of both parties, and then sends the instructions to the payer. The payer presets a preset correspondence between the instructions and the transaction information type, so that the payer can determine the transaction information corresponding to the security chip storage module that needs to be transmitted for this payment based on the specific content of the payee's instructions.

[0075] Step S203: Transaction information is transmitted;

[0076] The secure chip storage module can retrieve transaction information through the local secure chip and transmit the transaction information. The payer can retrieve the transaction information through the local secure chip and send it to the payee according to the instructions sent by the payee.

[0077] Step S204: Transaction information is verified locally or sent to the operator's backend for verification;

[0078] Specifically, the payee can determine whether to verify the transaction locally or pass it to the corresponding operator's backend for verification based on the transaction information type. For example, if the payer sends digital currency, the payee can verify it locally. If the payer sends the parent wallet account ID, it can be passed to the corresponding operator's backend for verification.

[0079] The payee can establish a connection with the operating agency's backend through the terminal communication module, which is used to transmit transaction information to the operating agency's backend.

[0080] The operating institution's backend records the mapping relationship between identification information and user wallet / digital currency through its own backend transaction module, verifies the legitimacy of user transaction information, and records the transaction status and balance information of the user corresponding to the identification information.

[0081] Step S205: Record transaction flow and update balance.

[0082] After receiving the verification result from the payee, the payer records the transaction flow and updates the digital currency balance.

[0083] After the transaction information is verified, there are four specific methods for initiating deductions and updating the balance: Method 1 is that the identification information is the payer's local wallet account identification, and the operating institution backend performs the deduction. The payer receives the deduction completion instruction and updates the local wallet balance; Method 2 is that the identification information is the payer's parent wallet account identification or other online wallet account identification, and the operating institution backend performs the corresponding account deduction. The parent wallet or other online wallet receives the deduction notification in the application or via SMS, and the payer's local account balance is not updated; Method 3 is that the identification information is the digital currency identification of the payer's local wallet, such as the digital currency serial number or other identification of the digital currency, and the operating institution backend performs the deduction. The payer receives the deduction completion instruction and updates the local digital currency balance; Method 4 is that the payer transfers the digital currency (the coin string itself) to the payee. After the payee's verification is passed, the payer receives the verification success instruction returned by the payee, and the payer updates the local digital currency balance.

[0084] This embodiment of the present invention stores digital currency and identification information on the payee's end and transmits different types of transaction information based on the payee's instructions. The payee's instructions are related to the terminal's network status and terminal form. Through verification on the end (terminal) or by the operator's backend, dual offline payment or single offline payment is achieved. This embodiment of the present invention can be used on both internet-capable and non-internet-capable payment devices and can identify different wallets, parent-child wallets, or a single wallet.

[0085] Figures 3 to 5 The balance status of the payment device according to an embodiment of the present invention is shown, wherein: Figure 3 This is a schematic diagram of the balance status of a networked mobile phone terminal according to an embodiment of the present invention. Figure 4 is a schematic diagram of the balance status of a networked mobile phone terminal according to another embodiment of the present invention. Figure 5 Schematic diagram of IC card non-network balance status according to one embodiment of the present invention. Figure 3 In the case where the payment device of the embodiment of the present invention is a device with Internet access such as a mobile phone terminal, the digital currency wallet may include a software wallet / parent wallet (i.e., an online wallet) and a hardware wallet (i.e., a local wallet). Accordingly, the balance may include the balance of the software wallet / parent wallet (i.e., an online wallet) and the balance of the hardware wallet (i.e., a local wallet). Figure 4 In the case where the payment device of the embodiment of the present invention is a device with networking capabilities such as a mobile phone, the payment device can locally store identification information and digital currency strings, and the balance is the local digital currency balance. Figure 5 In the case of a device that does not have networking capabilities, such as an IC card, the payment device of the embodiment of the present invention can store identification information and digital currency strings locally, and the balance is the local digital currency balance.

[0086] When the method and system of the embodiment of the present invention are applied to a digital currency wallet with Internet access capability, such as a mobile phone terminal, the user can make payments without the screen being on. In particular, in a parent-child wallet system, when the payee is online, the transaction identifier of the parent wallet can be transferred to make payments to the wallet's parent account; when the payee is offline, digital currency can be transferred to make payments to the local wallet.

[0087] When the embodiment of the present invention is applied to digital currency wallets that do not have networking capabilities, such as IC cards and visual IC cards, when the payee is online, the identification information of the local account (local wallet account identification) or the digital currency serial number can be transmitted to make local wallet payments; when the payee is offline, it supports the transmission of digital currency (i.e., digital currency coin string) to make local wallet payments. It supports dual offline and single offline operations, and the security chip maintains unified balance updates. The embodiment of the present invention greatly improves the transaction rate when both parties to the transaction are connected to the Internet, and when the two parties are not connected to the Internet, they can conduct dual offline transactions by transmitting digital currency, thereby improving the scalability and coverage of the transaction.

[0088] When used on connected devices such as mobile phones, if payments are made using the parent wallet's identification information, deduction notifications are received via the parent wallet app or SMS, and the local balance remains unchanged. When used on non-connected devices such as IC cards, payments are made using the local wallet's identification information, serial number (digital currency identifier), and digital currency. Local balances are updated uniformly, effectively avoiding inconsistent account displays. This system also enables both dual-offline and single-offline transactions for digital currencies without the user's knowledge. The latter significantly increases transaction speed, effectively enhancing the user experience.

[0089] Figure 6 Schematic diagram of the main modules of a digital currency payment device according to an embodiment of the present invention. Figure 6 As shown, a digital currency payment device 600 according to an embodiment of the present invention is located in a payment device. The digital currency payment device 600 mainly includes: a transaction information determination module 601, a security chip storage module 602, and a balance update module 603.

[0090] The transaction information determination module 601 is used to determine the transaction information of the current digital currency transaction according to the instruction sent by the payment device;

[0091] The secure chip storage module 602 is used to retrieve transaction information through the local secure chip and send the transaction information to the payment device for verification. The transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account or digital currency of the payment device;

[0092] The balance updating module 603 is used to update the digital currency balance after determining that the transaction information has passed the verification.

[0093] The transaction information determination module 601 can be specifically used to: determine the transaction information of this digital currency transaction according to the instructions sent by the payment device and the preset correspondence between the instructions and the transaction information type. The instructions sent by the payment device are related to the network status and / or device form of both the payment device and the payment device.

[0094] When the payment receiving device is a device with internet access and is online, the transaction information includes one of a wallet account identifier, a digital currency identifier, and the digital currency. The secure chip storage module 602 is specifically configured to obtain one of the wallet account identifier, the digital currency identifier, and the digital currency from the local secure chip to generate the transaction information.

[0095] The security chip storage module 602 is also used to: when the payment device performs a recharge operation, obtain the digital currency issued from the backend system of the digital currency operating organization, and store the corresponding digital currency identifier in the local security chip.

[0096] In the case of generating transaction information based on digital currency identification, the balance update module is also used for: after the payment device determines that the transaction information has passed the verification, it executes the deduction operation through the backend system of the digital currency operating agency; after the payment device receives the deduction completion instruction returned by the backend system of the operating agency, it updates the local digital currency balance.

[0097] When the payment device is in the form of a device with Internet access capability, the wallet account identifier is one of the parent wallet account identifier of the payment device, other online wallet account identifiers, and local wallet account identifiers; when the payment device is in the form of a device without Internet access capability, the wallet account identifier is the local wallet account identifier of the payment device.

[0098] The security chip storage module 602 is also used to: receive the wallet account identifier issued by the backend system of the digital currency operating organization when the payment device opens a wallet account, and store the wallet account identifier in the local security chip. When the wallet account identifier is a local wallet account identifier, when the payment device performs a recharge operation, the backend system of the operating organization records the mapping relationship between the recharged digital currency and the local wallet account identifier.

[0099] In the case of generating transaction information based on the local wallet account identifier, the balance update module 603 is also used to: after determining that the transaction information has passed the verification, execute the deduction operation through the operating agency's backend system, and update the digital currency balance of the local wallet account according to the deduction completion instruction returned by the operating agency's backend system.

[0100] In the case where transaction information is generated based on the parent wallet account identifier or other online wallet account identifier, the balance update module 603 is also used to: after determining that the transaction information has passed verification, execute the deduction operation through the operating organization's backend system, and update the digital currency balance in the corresponding parent wallet application or online wallet application, without updating the digital currency balance of the local wallet account.

[0101] If the payment receiving device is a device without internet access, or if the payment receiving device is an internet-enabled device but is offline, the transaction information includes digital currency. The secure chip storage module 602 is further configured to: the payment device obtains digital currency from the local secure chip to generate transaction information.

[0102] In the case of generating transaction information based on digital currency, the balance update module is further used to update the local digital currency balance after determining that the transaction information has passed the verification.

[0103] In this embodiment of the present invention, when the payee is offline, after both parties have authenticated their identities, the digital currency expression is transmitted. If the verification is successful, dual offline payment is achieved. At the same time, the transaction flow is recorded in the security chip, and the digital currency balance is changed. When the payee is online, the payer transmits the transaction information mapped in the background, which is verified using the symmetric key between the security chip and the institution's background. If the verification is successful, the background mapped account is deducted, and the transaction flow is recorded in the security chip, and the digital currency balance is changed. This solution significantly improves the coverage of digital currency payments, effectively reduces transaction time, and ensures the validity of the balance.

[0104] In addition, the specific implementation content of the digital currency payment device in the embodiment of the present invention has been described in detail in the above digital currency payment method, so the repeated content will not be described again here.

[0105] Figure 7 An exemplary system architecture 700 is shown to which a digital currency payment method or a digital currency payment device according to an embodiment of the present invention may be applied.

[0106] like Figure 7 As shown, system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. Network 704 is used to provide a medium for communication links between terminal devices 701, 702, 703 and server 705. Network 704 may include various connection types, such as wired or wireless communication links or fiber optic cables.

[0107] Users can use terminal devices 701, 702, and 703 to interact with server 705 via network 704 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 701, 702, and 703, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0108] The terminal devices 701 , 702 , and 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers.

[0109] Server 705 may be a server that provides various services, such as a backend management server (for example only) that supports shopping websites browsed by users using terminal devices 701, 702, and 703. The backend management server may analyze and process received transaction information and other data, and feed back processing results (for example, transaction results—for example only) to the terminal device.

[0110] It should be noted that the digital currency payment method provided in the embodiment of the present invention is generally executed by the terminal devices 701, 702, and 703. Accordingly, the digital currency payment device is generally set in the terminal devices 701, 702, and 703.

[0111] It should be understood that Figure 7 The number of terminal devices, networks and servers in the embodiment is merely illustrative. Any number of terminal devices, networks and servers may be provided as required.

[0112] Reference below Figure 8 , which shows a structural diagram of a computer system 800 of a terminal device suitable for implementing an embodiment of the present application. Figure 8 The terminal device shown is merely an example and should not limit the functions and scope of use of the embodiments of the present application.

[0113] like Figure 8 As shown, the computer system 800 includes a central processing unit (CPU) 801, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 802 or a program loaded from a storage unit 808 into a random access memory (RAM) 803. Various programs and data required for the operation of the system 800 are also stored in the RAM 803. The CPU 801, the ROM 802, and the RAM 803 are connected to each other via a bus 804. An input / output (I / O) interface 805 is also connected to the bus 804.

[0114] The following components are connected to the I / O interface 805: an input section 806 including a keyboard, a mouse, and the like; an output section 807 including devices such as a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage section 808 including a hard disk; and a communication section 809 including a network interface card such as a LAN card or a modem. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I / O interface 805 as needed. A removable medium 811, such as a magnetic disk, an optical disk, a magneto-optical disk, or a semiconductor memory, is installed in the drive 810 as needed, so that computer programs read therefrom can be installed into the storage section 808 as needed.

[0115] In particular, according to the embodiments disclosed in the present invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 809, and / or installed from a removable medium 811. When the computer program is executed by the central processing unit (CPU) 801, the above-mentioned functions defined in the system of the present application are executed.

[0116] It should be noted that the computer-readable medium described in the present invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or component, or any combination thereof. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination thereof. In this application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device, or component. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. This propagated data signal can take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, wireline, optical fiber cable, RF, or any suitable combination thereof.

[0117] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of the boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0118] The modules described in the embodiments of the present invention may be implemented in software or hardware. The modules described may also be located within a processor. For example, they may be described as comprising a transaction information determination module, a secure chip storage module, and a balance update module. The names of these modules do not, in some cases, limit the modules themselves. For example, the transaction information determination module may also be described as a module for determining transaction information for a digital currency transaction based on instructions sent by a payment device.

[0119] As another aspect, the present invention further provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently and not be incorporated into the device. The computer-readable medium carries one or more programs. When the one or more programs are executed by a device, the device includes: a payment device determining transaction information of a current digital currency transaction based on an instruction sent by a payment device; the payment device calls the transaction information via a local security chip and sends the transaction information to the payment device for verification, the transaction information including digital currency or identification information, the identification information being used to identify the wallet account or digital currency of the payment device; and the payment device updating the digital currency balance after determining that the transaction information passes the verification.

[0120] According to the technical solution of an embodiment of the present invention, the payment device determines the transaction information of the current digital currency transaction based on the instructions sent by the payment device. The transaction information is retrieved through the local security chip and sent to the payment device for verification. The transaction information includes digital currency or identification information, which is used to identify the payment device's wallet account or digital currency. After confirming that the transaction information has been verified, the payment device updates the digital currency balance. It can support dual offline transactions, meet the needs of a wide range of scenarios, and has a short transaction time. When connected to the network, the transaction speed is fast.

[0121] The above specific embodiments do not limit the scope of protection of the present invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of the present invention are intended to be included within the scope of protection of the present invention.

Claims

1. A digital currency payment method, characterized in that: include: The payment device determines the transaction information of the current digital currency transaction based on the instruction sent by the payment device and the preset correspondence between the instruction and the transaction information type; The instruction sent by the payment device is related to the network status and / or device form of both the payment device and the payment device; The payment device calls the transaction information through a local security chip and sends the transaction information to the payment device. The payment device performs local verification or transmits the information to the backend of the digital currency operator for verification based on the type of transaction information. The transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account or digital currency of the payment device. After determining that the transaction information passes the verification, the payment device updates the digital currency balance.

2. The method according to claim 1, characterized in that When the payment receiving device is a device with network capability and the network status is online, the transaction information includes one of a wallet account identifier, a digital currency identifier, and a digital currency; The payment device calls the transaction information through a local security chip, including: The payment device obtains one of the wallet account identifier, the digital currency identifier, and the digital currency from the local security chip to generate the transaction information.

3. The method according to claim 2, characterized in that Before the payment device determines the transaction information of the current digital currency transaction based on the instruction sent by the payment device and the preset correspondence between the instruction and the transaction information type, the payment device includes: When performing a recharge operation, the payment device obtains the digital currency issued from the backend system of the digital currency operating organization, and stores the corresponding digital currency identifier in the local security chip.

4. The method according to claim 2 or 3, characterized in that In the case where the transaction information is generated based on the digital currency identifier, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: After determining that the transaction information has passed the verification, the payment device executes a deduction operation through the backend system of the digital currency operating institution. After receiving the deduction completion instruction returned by the backend system of the operating institution, the payment device updates the local digital currency balance.

5. The method according to claim 2, characterized in that In the case where the payment device is in the form of a device with Internet access capability, the wallet account identifier is one of the parent wallet account identifier of the payment device, other online wallet account identifiers, and local wallet account identifiers; in the case where the payment device is in the form of a device without Internet access capability, the wallet account identifier is the local wallet account identifier of the payment device.

6. The method according to claim 5, characterized in that Before the payment device determines the transaction information of the current digital currency transaction based on the instruction sent by the payment device and the preset correspondence between the instruction and the transaction information type, the payment device includes: When opening a wallet account, the payment device receives the wallet account identifier issued by the backend system of the digital currency operating organization, and stores the wallet account identifier in the local security chip. When the wallet account identifier is the local wallet account identifier, when the payment device performs a recharge operation, the backend system of the operating organization records the mapping relationship between the recharged digital currency and the local wallet account identifier.

7. The method according to claim 6, characterized in that In a case where the transaction information is generated based on the local wallet account identifier, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: After determining that the transaction information has passed the verification, the payment device executes a deduction operation through the operating agency's backend system. The payment device updates the digital currency balance of the local wallet account according to the deduction completion instruction returned by the operating agency's backend system.

8. The method according to claim 5 or 6, characterized in that In a case where the transaction information is generated based on the parent wallet account identifier or the other online wallet account identifier, after determining that the transaction information passes the verification, the payment device updates the digital currency balance, including: After determining that the transaction information has passed the verification, the payment device executes the deduction operation through the operating organization's backend system and updates the digital currency balance in the corresponding parent wallet application or online wallet application, without updating the digital currency balance of the local wallet account.

9. The method according to claim 1, characterized in that When the payment receiving device is a device without Internet access, or when the payment receiving device is a device with Internet access but the network status is offline, the transaction information includes the digital currency; The payment device calls the transaction information through a local security chip, including: The payment device obtains the digital currency from the local security chip to generate the transaction information.

10. The method according to claim 9, characterized in that In the case where the transaction information is generated based on the digital currency, the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: After determining that the transaction information passes the verification, the payment device updates the local digital currency balance.

11. A digital currency payment device, characterized in that: Located in a payment device, the device includes: A transaction information determination module, configured to determine the transaction information of the current digital currency transaction based on the instructions sent by the payment receiving device and a preset correspondence between the instructions and the transaction information type; the instructions sent by the payment receiving device are related to the network status and / or device form of both the payment device and the payment receiving device; A security chip storage module, configured to retrieve the transaction information via a local security chip and transmit the transaction information to the payment device, where the payment device performs local verification or transmits the information to a digital currency operator for back-end verification based on the type of the transaction information. The transaction information includes digital currency or identification information, where the identification information is used to identify the wallet account or digital currency of the payment device. The balance updating module is used to update the digital currency balance after determining that the transaction information passes the verification.

12. An electronic device, characterized in that: include: one or more processors; a memory for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors are enabled to implement the method according to any one of claims 1 to 10.

13. A computer-readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 10 is implemented.

Images