A digital currency payment method and apparatus

Abstract

The application discloses a digital currency payment method and device, and relates to the technical field of computers. A specific embodiment of the method comprises the following steps: in a charging starting stage, a digital currency wallet and a payment terminal establish a first communication connection, and the following entry registration operation is performed: the digital currency wallet receives and stores entry information required for charging starting and sent by the payment terminal; in a charging ending stage, the digital currency wallet and the payment terminal establish a second communication connection, and the following exit deduction operation is completed: the digital currency wallet transmits the entry information to the payment terminal, so that the payment terminal calculates a payment amount according to the entry information and exit information required for charging ending; the digital currency wallet receives the payment amount returned by the payment terminal, and executes digital currency balance deduction according to the payment amount. The embodiment can provide an implementation scheme of extended consumption payment of digital currency, so that digital currency can be used for quick payment in a non-one-time payment scene.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a digital currency payment method and apparatus. Background Technology

[0002] Currently, the publicly piloted digital currency transactions support one-time payments, such as shopping in malls / supermarkets and purchasing subway tickets. However, there is no unified payment solution for non-one-time payment scenarios (which can be called extended consumption), such as segmented card swiping on buses / subways, time-based parking fees, shared bicycle fees, and non-stop toll collection on highways.

[0003] In the process of realizing this invention, the inventors discovered at least the following problems in the prior art:

[0004] The lack of extended consumer payment solutions using digital currency means that digital currency cannot be used for fast payments in non-one-time payment scenarios. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a digital currency payment method and apparatus, which can provide an implementation scheme for extended consumption payment of digital currency, enabling the use of digital currency for fast payment in non-one-time payment scenarios.

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

[0007] A digital currency payment method includes: at the start of a billing phase, a digital currency wallet establishes a first communication connection with a payment terminal and performs an entry registration operation, wherein the entry registration operation includes: the digital currency wallet receiving and storing entry information required for the start of billing sent by the payment terminal; at the end of a billing phase, the digital currency wallet establishes a second communication connection with the payment terminal and completes an exit deduction operation, wherein the exit deduction operation includes: the digital currency wallet transmitting the entry information to the payment terminal so that the payment terminal calculates the collection amount based on the entry information and the exit information required for the end of billing; the digital currency wallet receiving the collection amount returned by the payment terminal and deducting digital currency balance based on the collection amount.

[0008] Optionally, the entry registration operation further includes: performing a first two-way authentication with the payment terminal and determining that the first two-way authentication is successful; and the exit deduction operation further includes: performing a second two-way authentication with the payment terminal and determining that the second two-way authentication is successful.

[0009] Optionally, the digital currency wallet performing the first or second two-way authentication with the receiving terminal includes: the digital currency wallet receiving an authentication request from the receiving terminal and sending its first public key certificate and a first random number to the receiving terminal, wherein the authentication request includes the receiving terminal's second public key certificate, and the first random number is generated by the digital currency wallet; the digital currency wallet receiving a first random number signature and a second random number sent by the receiving terminal, wherein the first random number signature is obtained by the receiving terminal signing the first random number using the private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal; the digital currency wallet verifying the first random number signature using the public key in the second public key certificate, and after successful verification, signing the second random number using the private key corresponding to the first public key certificate to obtain a second random number signature, and sending the second random number signature to the receiving terminal for verification.

[0010] Optionally, in the entry registration operation, the entry information and the first random number signature are sent synchronously from the payment terminal to the digital currency wallet; and / or, in the exit deduction operation, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

[0011] Optionally, the digital currency wallet and the receiving terminal establish the first communication connection or the second communication connection based on any one of DSRC (Dedicated Short Range Communications), NFC (Near Field Communication), Bluetooth, or WiFi (Wireless Fidelity).

[0012] Optionally, at the end of the billing phase, the digital currency wallet also receives and stores the exit information returned by the payment terminal, and generates payment information based on the exit information, the amount received, and the result of the balance deduction. The payment information is then sent to the payment terminal, which uploads the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

[0013] Optionally, the digital currency wallet writes the entry information or the exit information into an application file in the digital currency wallet according to the file writing instruction issued by the payment terminal, so as to store the entry information or the exit information.

[0014] Optionally, the digital currency wallet stores the entry information or exit information received by the payment terminal according to the dedicated transaction instruction or application extension instruction issued by the payment terminal.

[0015] According to another aspect of the present invention, a digital currency payment method is provided.

[0016] A digital currency payment method includes: at the start of a billing phase, a receiving terminal establishes a first communication connection with a digital currency wallet and executes an entry registration process, the entry registration process including: the receiving terminal sending entry information required for the start of billing to the digital currency wallet; at the end of a billing phase, the receiving terminal establishes a second communication connection with the digital currency wallet and executes an exit collection process, the exit collection process including: receiving the entry information transmitted by the digital currency wallet, calculating the collection amount based on the entry information and the exit information required for the end of billing, and returning the collection amount to the digital currency wallet so that the digital currency wallet can deduct digital currency balance based on the collection amount.

[0017] Optionally, the entry registration process further includes: performing a first two-way identity authentication with the digital currency wallet, and confirming that the first two-way identity authentication is successful; and the exit payment process further includes: performing a second two-way identity authentication with the digital currency wallet, and confirming that the second two-way identity authentication is successful.

[0018] Optionally, the first or second two-way authentication between the payment terminal and the digital currency wallet includes: the payment terminal sending an authentication request to the digital currency wallet and receiving a first public key certificate and a first random number from the digital currency wallet, wherein the authentication request includes a second public key certificate of the payment terminal and the first random number is generated by the digital currency wallet; the payment terminal using the private key corresponding to the second public key certificate to sign the first random number to obtain a first random number signature, and sending the first random number signature and a second random number to the digital currency wallet, wherein the second random number is generated by the payment terminal; the payment terminal receiving the second random number signature sent by the digital currency wallet and verifying the second random number signature using the public key in the first public key certificate, wherein the second random number signature is obtained by the digital currency wallet using the private key corresponding to the first public key certificate to sign the second random number.

[0019] Optionally, in the entry registration process, the entry information and the first random number signature are sent synchronously from the payment terminal to the digital currency wallet; in the exit payment process, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

[0020] Optionally, the payment terminal and the digital currency wallet establish the first communication connection or the second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.

[0021] Optionally, at the end of the billing phase, the payment terminal also returns the exit information and the result of the balance deduction to the digital currency wallet, so that the digital currency wallet can generate payment information based on the exit information, the payment amount, and the result of the balance deduction. After receiving the payment information sent by the digital currency wallet, the payment terminal uploads the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

[0022] Optionally, the payment terminal writes the entry information or the exit information into an application file in the digital currency wallet via a file writing instruction, so that the digital currency wallet stores the entry information or the exit information.

[0023] Optionally, the payment terminal transmits the entry information or the exit information to the digital currency wallet via a dedicated transaction instruction or application extension instruction, so that the digital currency wallet stores the entry information or the exit information.

[0024] According to another aspect of the present invention, a digital currency payment device is provided.

[0025] A digital currency payment device, installed in a digital currency wallet, includes: an entry registration operation module, used to establish a first communication connection with a payment terminal and perform an entry registration operation during the billing start phase, the entry registration operation including: receiving and storing entry information required for billing start sent by the payment terminal; and an exit deduction operation module, used to establish a second communication connection with the payment terminal and complete an exit deduction operation during the billing end phase, the exit deduction operation including: transmitting the entry information to the payment terminal so that the payment terminal can calculate the collection amount based on the entry information and the exit information required for billing end, receiving the collection amount returned by the payment terminal, and deducting the digital currency balance based on the collection amount.

[0026] Optionally, it further includes a two-way authentication module, configured to: perform a first two-way identity authentication with the payment terminal and determine that the first two-way identity authentication is successful; and configured to: perform a second two-way identity authentication with the payment terminal and determine that the second two-way identity authentication is successful.

[0027] Optionally, the two-way authentication module is further configured to: receive an authentication request from the receiving terminal, and send a first public key certificate and a first random number of the digital currency wallet to the receiving terminal, wherein the authentication request includes a second public key certificate of the receiving terminal, and the first random number is generated by the two-way authentication module; receive a first random number signature and a second random number sent by the receiving terminal, wherein the first random number signature is obtained by the receiving terminal signing the first random number using the private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal; verify the first random number signature using the public key in the second public key certificate, and after successful verification, sign the second random number using the private key corresponding to the first public key certificate to obtain a second random number signature, and send the second random number signature to the receiving terminal for verification.

[0028] Optionally, in the entry registration operation, the entry information and the first random number signature are sent synchronously from the payment terminal to the digital currency wallet; and / or, in the exit deduction operation, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

[0029] Optionally, the digital currency wallet and the payment terminal establish the first communication connection or the second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.

[0030] Optionally, the exit deduction operation module is further configured to: receive and store the exit information returned by the payment terminal at the end of the billing stage, generate payment information based on the exit information, the amount received and the result of the balance deduction, and send the payment information to the payment terminal so that the payment terminal can upload the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

[0031] Optionally, it also includes a first storage module, configured to write the entry information or the exit information into an application file in the digital currency wallet according to a file writing instruction issued by the payment terminal, so as to store the entry information or the exit information.

[0032] Optionally, it also includes a second storage module for storing the entry information or exit information received from the payment terminal according to a dedicated transaction instruction or application extension instruction issued by the payment terminal.

[0033] According to another aspect of the present invention, a digital currency payment device is provided.

[0034] A digital currency payment device, installed in a payment terminal, includes: an entry registration execution module, configured to establish a first communication connection with a digital currency wallet and execute an entry registration process during the billing start phase, the entry registration process including: sending entry information required for billing start to the digital currency wallet; and an exit collection execution module, configured to establish a second communication connection with the digital currency wallet and execute an exit collection process during the billing end phase, the exit collection process including: receiving the entry information transmitted by the digital currency wallet, calculating the collection amount based on the entry information and the exit information required for billing end, and returning the collection amount to the digital currency wallet so that the digital currency wallet can deduct digital currency balance based on the collection amount.

[0035] Optionally, the entry registration execution module is further configured to: perform a first two-way identity authentication with the digital currency wallet and determine that the first two-way identity authentication is successful; and the exit payment execution module is further configured to: perform a second two-way identity authentication with the digital currency wallet and determine that the second two-way identity authentication is successful.

[0036] Optionally, it further includes an identity authentication module, configured to: send an authentication request to the digital currency wallet and receive a first public key certificate and a first random number from the digital currency wallet, wherein the authentication request includes a second public key certificate of the receiving terminal and the first random number is generated by the digital currency wallet; use the private key corresponding to the second public key certificate to sign the first random number to obtain a first random number signature, and send the first random number signature and a second random number to the digital currency wallet, wherein the second random number is generated by the identity authentication module; receive the second random number signature sent by the digital currency wallet and verify the second random number signature using the public key in the first public key certificate, wherein the second random number signature is obtained by the digital currency wallet signing the second random number using the private key corresponding to the first public key certificate.

[0037] Optionally, in the entry registration process, the entry information and the first random number signature are sent synchronously from the payment terminal to the digital currency wallet; in the exit payment process, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

[0038] Optionally, the payment terminal and the digital currency wallet establish the first communication connection or the second communication connection based on any one of DSRC, NFC, Bluetooth, and WiFi.

[0039] Optionally, the exit payment execution module is further configured to: return the exit information and the result of the balance deduction to the digital currency wallet at the end of the billing phase, so that the digital currency wallet can generate payment information based on the exit information, the payment amount, and the result of the balance deduction; the exit payment execution module is further configured to: after receiving the payment information sent by the digital currency wallet, upload the payment information to the back-end system of the digital currency operating institution in real time or asynchronously for reconciliation.

[0040] Optionally, it also includes an information writing module, used to write the entry information or the exit information into an application file in the digital currency wallet via a file writing instruction, so that the digital currency wallet can store the entry information or the exit information.

[0041] According to another aspect of the present invention, an electronic device is provided.

[0042] An electronic device includes: one or more processors; and a memory for storing one or more programs, which, when executed by the one or more processors, cause the one or more processors to implement the digital currency payment method provided in the embodiments of the present invention.

[0043] According to another aspect of the present invention, a computer-readable medium is provided.

[0044] A computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the digital currency payment method provided in the embodiments of the present invention.

[0045] One embodiment of the above invention has the following advantages or beneficial effects: At the start of the billing phase, the digital currency wallet establishes a first communication connection with the payment terminal and performs an entry registration operation. This entry registration operation includes: the digital currency wallet receiving and storing the entry information required for the start of billing sent by the payment terminal. At the end of the billing phase, the digital currency wallet establishes a second communication connection with the payment terminal and completes an exit deduction operation. This exit deduction operation includes: the digital currency wallet transmitting the entry information to the payment terminal, so that the payment terminal calculates the payment amount based on the entry information and the exit information required for the end of billing; the digital currency wallet receiving the payment amount returned by the payment terminal and deducting the amount from its digital currency balance. This embodiment provides an extended consumption payment solution using digital currency, enabling rapid payments using digital currency in non-one-time payment scenarios.

[0046] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0047] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0048] Figure 1 This is a schematic diagram of the main steps of a digital currency payment method according to an embodiment of the present invention;

[0049] Figure 2 This is a schematic diagram of the main steps of a digital currency payment method according to another embodiment of the present invention;

[0050] Figure 3 This is a schematic diagram of the entry registration process for digital currency payment according to an embodiment of the present invention;

[0051] Figure 4 This is a schematic diagram of the digital currency payment collection process according to an embodiment of the present invention;

[0052] Figure 5 This is a schematic diagram of the main steps of a digital currency payment device according to an embodiment of the present invention;

[0053] Figure 6 This is a schematic diagram of the main steps of a digital currency payment device according to another embodiment of the present invention;

[0054] Figure 7 This is a system functional block diagram of digital currency payment according to an embodiment of the present invention;

[0055] Figure 8 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0056] Figure 9This is a schematic diagram of the structure of a computer system suitable for implementing the terminal device of the present invention. Detailed Implementation

[0057] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0058] Figure 1 This is a schematic diagram illustrating the main steps of a digital currency payment method according to an embodiment of the present invention. Figure 1 As shown, a digital currency payment method according to an embodiment of the present invention mainly includes the following steps S101 to S102. The digital currency payment method of this embodiment is executed by a digital currency wallet.

[0059] Step S101: At the start of the billing phase, the digital currency wallet establishes a first communication connection with the receiving terminal and performs an entry registration operation. The entry registration operation includes: the digital currency wallet receiving and storing the entry information required for the start of billing sent by the receiving terminal.

[0060] The specific content of the entry information can be determined according to different application scenarios. For example, in the subway scenario, the entry information can include information such as city code, subway line, subway station, and entry time. Different industries can expand on this information as they see fit.

[0061] Step S102: At the end of the billing phase, the digital currency wallet establishes a second communication connection with the receiving terminal and completes the exit deduction operation. The exit deduction operation includes: the digital currency wallet transmitting entry information to the receiving terminal so that the receiving terminal can calculate the collection amount based on the entry information and the exit information required for the end of billing; the digital currency wallet receiving the collection amount returned by the receiving terminal and deducting the digital currency balance based on the collection amount.

[0062] The specific content of the exit information can be determined according to different application scenarios. For example, in the subway scenario, the exit information can include information such as city code, subway line, exit station, and exit time. Different industries can expand it themselves.

[0063] The payment terminal calculates the payment amount based on the entry information and the exit information required to end the billing process. Specifically, the payment amount can be calculated according to the billing rules set in the business scenario. For example, in a subway scenario, the payment amount is calculated based on the subway billing rules between the entry and exit subway stations.

[0064] The entry registration process also includes: performing a first two-way authentication with the payment terminal and confirming that the first two-way authentication is successful; and the exit deduction process also includes: performing a second two-way authentication with the payment terminal and confirming that the second two-way authentication is successful.

[0065] The digital currency wallet performs either a first two-way authentication or a second two-way authentication with the receiving terminal. The process specifically includes: the digital currency wallet receiving an authentication request from the receiving terminal and sending its first public key certificate and a first random number to the receiving terminal. The authentication request includes the receiving terminal's second public key certificate, and the first random number is generated by the digital currency wallet. The digital currency wallet receives a first random number signature and a second random number sent by the receiving terminal. The first random number signature is obtained by the receiving terminal signing the first random number using the private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal. The digital currency wallet verifies the first random number signature using the public key in the second public key certificate. After successful verification, the digital currency wallet signs the second random number using the private key corresponding to the first public key certificate, obtaining a second random number signature, and sends the second random number signature to the receiving terminal for verification. If the signature verification between the digital currency wallet and the receiving terminal is successful, the two-way authentication (either the first or second two-way authentication) is successful.

[0066] In one embodiment, during the entry registration operation, the entry information and the first random number signature can be sent synchronously from the payment terminal to the digital currency wallet; and / or, during the exit deduction operation, the entry information and the second random number signature can be sent synchronously from the digital currency wallet to the payment terminal.

[0067] Digital currency wallets and payment terminals establish a first or second communication connection based on any one of DSRC, NFC, Bluetooth, or WiFi.

[0068] At the end of the billing phase, the digital currency wallet also receives and stores the exit information returned by the payment terminal. Based on the exit information, the amount received, and the result of balance deduction, it generates payment information and sends it to the payment terminal. The payment terminal then uploads the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation. The payment information may include information about the payer and payee, the payment amount, and other details.

[0069] In one embodiment, the digital currency wallet writes entry or exit information into an application file within the digital currency wallet according to a file write instruction issued by the receiving terminal, in order to store the entry or exit information.

[0070] In another embodiment, the digital currency wallet stores entry or exit information received from the receiving terminal based on dedicated transaction instructions or application extension instructions issued by the receiving terminal. Dedicated transaction instructions or application extension instructions can be instructions pre-agreed upon by both the payer and payee through protocols or other agreements, set according to the specific business scenario requirements.

[0071] Figure 2 This is a schematic diagram illustrating the main steps of a digital currency payment method according to another embodiment of the present invention. Figure 2 As shown, a digital currency payment method according to an embodiment of the present invention mainly includes the following steps S201 to S202. The digital currency payment method of this embodiment is executed by a receiving terminal.

[0072] Step S201: At the start of the billing phase, the receiving terminal establishes a first communication connection with the digital currency wallet and executes the entry registration process, which includes: the receiving terminal sending the entry information required to start the billing to the digital currency wallet;

[0073] Step S202: At the end of the billing phase, the receiving terminal establishes a second communication connection with the digital currency wallet and executes the exit collection process. The exit collection process includes: receiving the entry information transmitted by the digital currency wallet, calculating the collection amount based on the entry information and the exit information required for the end of billing, and returning the collection amount to the digital currency wallet so that the digital currency wallet can deduct the digital currency balance based on the collection amount.

[0074] The entry registration process also includes: conducting a first two-way identity verification with the digital currency wallet and confirming that the first two-way identity verification is successful; and the exit payment process also includes: conducting a second two-way identity verification with the digital currency wallet and confirming that the second two-way identity verification is successful.

[0075] The receiving terminal performs a first or second two-way authentication with the digital currency wallet. The specific process includes: the receiving terminal sending an authentication request to the digital currency wallet and receiving the digital currency wallet's first public key certificate and a first random number. The authentication request includes the receiving terminal's second public key certificate, and the first random number is generated by the digital currency wallet. The receiving terminal uses the private key corresponding to the second public key certificate to sign the first random number, obtaining a first random number signature, and sends the first random number signature and a second random number to the digital currency wallet. The second random number is generated by the receiving terminal. The receiving terminal receives the second random number signature sent by the digital currency wallet and verifies the second random number signature using the public key in the first public key certificate. The second random number signature is obtained by the digital currency wallet signing the second random number using the private key corresponding to the first public key certificate.

[0076] In one embodiment, during the entry registration process, the entry information and the first random number signature can be sent synchronously from the payment terminal to the digital currency wallet; during the exit payment process, the entry information and the second random number signature can be sent synchronously from the digital currency wallet to the payment terminal.

[0077] The payment terminal and the digital currency wallet establish a first or second communication connection based on any one of DSRC, NFC, Bluetooth, or WiFi.

[0078] At the end of the billing phase, the payment terminal also returns the exit information and balance deduction results to the digital currency wallet, so that the digital currency wallet can generate payment information based on the exit information, the amount received, and the balance deduction results. After receiving the payment information sent by the digital currency wallet, the payment terminal uploads the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

[0079] The payment terminal writes entry or exit information to the application file in the digital currency wallet via a file write command, so that the digital currency wallet can store the entry or exit information.

[0080] In this invention, non-one-time payments for digital currency are referred to as extended consumption of digital currency. The digital currency payment method of this invention is applicable to various extended consumption scenarios of digital currency, including application scenarios such as segmented billing, time-based billing, and mileage-based charging, such as segmented card swiping for buses / subways, time-based parking fees, shared bicycle fees, and non-stop toll collection on highways.

[0081] Figure 3 This is a schematic diagram of the registration process for digital currency payment according to an embodiment of the present invention. Figure 3 As shown, the digital currency registration process in one embodiment of the present invention includes:

[0082] Merchant's payment terminal ( Figure 3 Taking a POS (Point of Sales) terminal as an example, it establishes a connection with the user's digital currency wallet (i.e., the user's wallet) through short-range communication.

[0083] The user's digital currency wallet and the merchant's payment terminal perform two-way identity authentication;

[0084] The merchant's payment terminal transmits entry information to the user's digital currency wallet, and the user's digital currency wallet stores the entry information.

[0085] In this embodiment of the invention, short-range communication can employ near-field communication methods such as DSRC, NFC, Bluetooth, and WiFi.

[0086] In one embodiment, the authentication method can adopt the PKI (Public Key Infrastructure) model. When a digital currency wallet or payment terminal device activates digital currency services, it applies to the digital currency operating institution system. The operating institution system issues public key certificates to the digital currency wallet and payment terminal respectively. The operating institution system is, for example, a bank operating institution system. The payer and payee exchange public key certificates and random numbers. Each party signs the random number sent by the other party with the private key corresponding to its own public key certificate. Then, the signed random number (i.e., random number signature) is sent to the other party. The payer and payee also use the public key in the public key certificate sent by the other party to verify the received signature.

[0087] The PKI (Public Key Infrastructure) two-way authentication process specifically includes: The cryptocurrency wallet and the receiving terminal exchange public key certificates and random numbers. This exchange involves the cryptocurrency wallet sending its first public key certificate and a generated first random number to the receiving terminal, while the receiving terminal sends its second public key certificate and a generated second random number to the cryptocurrency wallet. The cryptocurrency wallet uses the private key corresponding to its first public key certificate to sign the second random number obtained from the receiving terminal, obtaining a second random number signature, and sends this signature to the receiving terminal for verification. The receiving terminal uses the private key corresponding to its second public key certificate to sign the first random number obtained from the cryptocurrency wallet, obtaining a first random number signature, and sends this signature to the cryptocurrency wallet for verification. The cryptocurrency wallet uses the public key from the second public key certificate obtained from the receiving terminal to verify the first random number signature sent by the receiving terminal. The receiving terminal uses the public key from the first public key certificate obtained from the cryptocurrency wallet to verify the second random number signature sent by the cryptocurrency wallet. Once both the digital currency wallet and the payment terminal have completed signature verification and both verifications are successful, the user's digital currency wallet and the merchant's payment terminal will have successfully completed two-way identity authentication.

[0088] In another embodiment, the authentication method can adopt a pre-set shared key mode. When the digital currency wallet or payment terminal device activates the digital currency service, the digital currency operator's system writes the shared key. The payer and payee use the pre-set shared key to perform two-way identity authentication. Specifically, they can use the shared key to verify the information sent by the other party (such as a random number). If the verification is successful, the two-way identity authentication is successful.

[0089] Users' digital currency wallets store entry information. Specifically, entry information can be written to the application file in the wallet via a file write command, or the wallet application can store entry information itself according to a dedicated transaction command or application extension command issued by the receiving terminal. Entry information can include detailed and specific content depending on different application scenarios. For example, in a public transportation scenario, it should include information such as city code, time, route, and station. Different merchants can expand this information themselves.

[0090] It should be noted that if there was an incomplete payment process previously, such as a previous entry registration but no exit payment, the payment terminal can check the previous record status stored in the user's digital currency wallet and perform a supplementary payment before the merchant's payment terminal transmits the entry information to the user's digital currency wallet. For example, for each payment, an entry completion status record can be generated after entry registration, and correspondingly, an exit completion status record can be generated after exit payment. At the start of the billing phase, after the digital currency wallet and the payment terminal establish a communication connection and before the entry registration operation, the entry completion status and exit completion status records of the previous payment can be read first. If only the entry completion status record is read, but the corresponding exit completion status record is not read, it indicates that there was an incomplete payment process previously. In this case, the exit payment operation is performed according to the predetermined exit information, and the exit payment is deducted from the digital currency wallet before proceeding with the current digital currency payment process.

[0091] The following example uses digital currency for subway card payments to illustrate the entry registration process for digital currency payments in this embodiment of the invention, which may include the following three steps:

[0092] The first step is for the subway turnstile terminal to establish a connection with the user's digital currency wallet via NFC near-field communication;

[0093] The subway turnstile terminal is also the payment terminal, and the user's digital currency wallet is the digital currency wallet of the payer.

[0094] The second step involves two-way identity authentication between the subway turnstile terminal and the user's digital currency wallet. The authentication method adopts the PKI model (when the user's digital currency wallet and the turnstile terminal activate the digital currency service, they apply to the banking institution, which then issues a public key certificate):

[0095] a) The subway turnstile terminal sends the turnstile public key certificate (i.e., the second public key certificate) to the user's digital currency wallet to initiate an authentication request;

[0096] b) The user wallet returns the gate authentication random number (i.e., the first random number) and the user's public key certificate (i.e., the first public key certificate) as a response;

[0097] c) The subway turnstile terminal sends the turnstile signature and user authentication random number (i.e., the second random number) to the user's digital currency wallet;

[0098] The gate signature is a signature generated by the subway gate terminal using the gate's private key (i.e., the private key corresponding to the second public key certificate) to encrypt the gate authentication random number, which is the first random number signature.

[0099] d) The user's digital currency wallet verifies the gate signature. If the verification passes, the user's signature is calculated and used as the response.

[0100] A user signature is a signature generated by a digital currency wallet using the user's private key (i.e., the private key corresponding to the first public key certificate) to perform encryption operations on a random number for user authentication; it is also known as a second random number signature.

[0101] The third step involves the subway turnstile terminal sending entry information to the user's digital currency wallet, which then stores the entry information.

[0102] Entry information can be stored by writing it into the application file in the wallet via a file write command issued by the subway gate terminal, or it can be stored automatically by the user's digital currency wallet application based on a dedicated transaction command or application extension command issued by the subway gate terminal. The entry information can include detailed and specific content depending on the application scenario. For example, in a subway scenario, it should include the city code, subway line, subway station, and entry time. Different industries can expand upon this information as needed.

[0103] To improve transaction performance, the third step of the above-mentioned entry registration process can be combined with steps c) and d) of the second step. That is, while sending the gate signature to the user's digital currency wallet, the subway gate terminal can simultaneously send the entry information. After the user's digital currency wallet verifies the gate signature, it stores the entry information and then calculates the user's signature as a response.

[0104] Figure 4 This is a schematic diagram of the digital currency payment and collection process according to an embodiment of the present invention, as shown below. Figure 4 As shown, the digital currency payment process according to one embodiment of the present invention is as follows:

[0105] Merchant payment terminal ( Figure 4 Taking the POS terminal as an example, a connection is established between the terminal and the user's digital currency wallet (i.e., the user's wallet) through short-range communication.

[0106] Two-way identity authentication is performed between the user's digital currency wallet and the merchant's payment terminal.

[0107] The merchant's payment terminal executes the payment collection.

[0108] The establishment of short-range communication connections and the specific process of two-way identity authentication can be found in the relevant content of the entry registration process above. The user's digital currency wallet and the merchant's payment terminal each generate their own random numbers and transmit the generated random numbers, public key certificates, and signatures to each other. The signature is obtained by signing the random number sent by the other party using the private key corresponding to the user's own public key certificate. For example, the user's wallet returns the gate authentication random number (i.e., the first random number) to the subway gate terminal. The subway gate terminal uses its private key (i.e., the private key corresponding to the second public key certificate) to perform encryption operations on the gate authentication random number to generate a signature, obtaining the gate signature, i.e., the first random number signature, and sends this signature to the user's wallet.

[0109] The specific process of a merchant payment terminal executing a payment collection includes:

[0110] The merchant payment terminal obtains the entry information stored in the user's digital currency wallet. This step can be achieved by reading the file from the digital currency wallet application file through a file read command issued by the merchant payment terminal, or by obtaining it from the digital currency wallet application through a dedicated transaction command or application extension command. Through this step, the entry information of the user's digital currency wallet is sent to the merchant payment terminal.

[0111] The merchant's payment terminal calculates the payment amount according to the business fee rules. These business fee rules are pre-established based on specific business needs.

[0112] The merchant's payment terminal transmits the payment amount and transaction details to the user's digital currency wallet.

[0113] User digital currency wallets store exit information. This exit information can be stored via file write commands, dedicated transaction commands, or application extension commands, as detailed in the introduction to storing entry information. Exit information can include detailed content depending on the application scenario. The user's digital currency wallet balance is deducted, and payment information is returned to the merchant's payment terminal. To improve transaction performance, the payment terminal can adopt delayed payment, meaning that after receiving payment information from the user's digital currency wallet, the goods are released on-site, and then asynchronously uploaded to the digital currency trading system (i.e., the digital currency operating institution's system) to achieve online account reconciliation with the institution's back-end system (such as the back-end system of a bank operating institution).

[0114] The following example uses a digital currency subway card payment scenario to illustrate the exit payment process of this invention. The exit payment process includes the following three steps:

[0115] The first step is for the subway turnstile terminal to establish a connection with the user's digital currency wallet via NFC near-field communication;

[0116] The second step involves two-way identity authentication between the subway turnstile terminal and the user's digital currency wallet.

[0117] This two-way authentication process is the same as the two-way authentication process in the entry registration process;

[0118] The third step involves the subway turnstile terminal processing payment, which includes the following steps:

[0119] a) The subway gate terminal sends an instruction to obtain the entry information stored in the user's digital currency wallet;

[0120] This step can be read from the digital currency wallet application file via file read instructions, or it can be obtained from the user's wallet via dedicated transaction instructions or application extension instructions;

[0121] b) The subway turnstile terminal calculates the amount to be collected based on the subway service fee rules, entry information, and current station information;

[0122] c) The subway turnstile terminal sends the payment amount and exit information to the user's digital currency wallet;

[0123] d) The user's digital currency wallet stores exit information;

[0124] The method for storing exit information is the same as that for storing entry information, as described in the above embodiments.

[0125] The information provided in this embodiment may include city code, subway line, subway station, exit time, etc. The user's digital currency wallet is deducted from the wallet balance, and the payment information is returned to the subway gate terminal.

[0126] e) The subway turnstile terminal transmits the payment information returned by the user's digital currency wallet to the digital currency transaction system in real time or with a delay via remote communication.

[0127] A digital currency trading system is the back-end system of a digital currency trading institution. It enables online reconciliation and online payment collection through the institution's back-end system.

[0128] To improve transaction performance, the data transmission in the third step of the above exit payment process (excluding step e) can be optimized and merged with the second step. That is, the digital currency wallet can send the entry information and user signature (i.e., the second random number signature) to the subway gate terminal simultaneously.

[0129] Figure 5 This is a schematic diagram illustrating the main steps of a digital currency payment device according to an embodiment of the present invention. Figure 5 As shown, a digital currency payment device 500 of one embodiment of the present invention is installed in a digital currency wallet. The digital currency payment device 500 mainly includes: an entry registration operation module 501 and an exit deduction operation module 502.

[0130] The entry registration operation module 501 is used to establish a first communication connection with the payment terminal and perform entry registration operation at the beginning of the billing phase. The entry registration operation includes receiving and storing the entry information required for the start of billing sent by the payment terminal.

[0131] The exit deduction operation module 502 is used to establish a second communication connection with the payment terminal at the end of the billing stage and complete the exit deduction operation. The exit deduction operation includes: transmitting entry information to the payment terminal so that the payment terminal can calculate the collection amount based on the entry information and the exit information required for the end of billing. The exit deduction operation module 502 is also used to receive the collection amount returned by the payment terminal and perform digital currency balance deduction based on the collection amount.

[0132] The digital currency payment device 500 also includes a two-way authentication module for: performing a first two-way identity authentication with the receiving terminal and determining that the first two-way identity authentication is successful; and performing a second two-way identity authentication with the receiving terminal and determining that the second two-way identity authentication is successful.

[0133] The two-way authentication module is also used for: receiving authentication requests from the receiving terminal and sending the first public key certificate and the first random number of the digital currency wallet to the receiving terminal. The authentication request includes the second public key certificate of the receiving terminal, and the first random number is generated by the two-way authentication module; receiving the first random number signature and the second random number sent by the receiving terminal. The first random number signature is obtained by the receiving terminal signing the first random number using the private key corresponding to the second public key certificate, and the second random number is generated by the receiving terminal; verifying the first random number signature using the public key in the second public key certificate, and after successful verification, signing the second random number using the private key corresponding to the first public key certificate to obtain the second random number signature, and sending the second random number signature to the receiving terminal for verification.

[0134] During the entry registration process, the entry information and the first random number signature are simultaneously sent from the payment terminal to the digital currency wallet; and / or, during the exit deduction process, the entry information and the second random number signature are simultaneously sent from the digital currency wallet to the payment terminal.

[0135] Digital currency wallets and payment terminals establish a first or second communication connection based on any one of DSRC, NFC, Bluetooth, or WiFi.

[0136] The exit deduction operation module 502 is also used to: receive and store the exit information returned by the payment terminal at the end of the billing stage, generate payment information based on the exit information, the amount received and the result of the balance deduction, and send the payment information to the payment terminal so that the payment terminal can upload the payment information to the back-end system of the digital currency operating institution in real time or asynchronously for reconciliation.

[0137] In one embodiment, the digital currency payment device 500 further includes a first storage module, used to write entry information or exit information into an application file in the digital currency wallet according to a file writing instruction issued by the receiving terminal, so as to store the entry information or exit information.

[0138] In another embodiment, the digital currency payment device 500 further includes a second storage module for storing entry or exit information received from the payment terminal according to a dedicated transaction instruction or application extension instruction issued by the payment terminal.

[0139] Figure 6 This is a schematic diagram of the main steps of a digital currency payment device according to another embodiment of the present invention. Figure 6 As shown, a digital currency payment device 600 of one embodiment of the present invention is installed in a payment terminal. The digital currency payment device 600 mainly includes: an entry registration execution module 601 and an exit payment execution module 602.

[0140] Entry registration execution module 601 is used to establish a first communication connection with the digital currency wallet at the start of the billing phase and execute the entry registration process, which includes sending the entry information required to start the billing to the digital currency wallet.

[0141] The exit payment execution module 602 is used to establish a second communication connection with the digital currency wallet at the end of the billing stage and execute the exit payment process. The exit payment process includes: receiving the entry information transmitted by the digital currency wallet, calculating the payment amount based on the entry information and the exit information required for the end of billing, and returning the payment amount to the digital currency wallet so that the digital currency wallet can deduct the digital currency balance based on the payment amount.

[0142] The entry registration execution module 601 is also used to: perform a first two-way identity authentication with the digital currency wallet and determine that the first two-way identity authentication is successful; and the exit payment execution module 602 is also used to: perform a second two-way identity authentication with the digital currency wallet and determine that the second two-way identity authentication is successful.

[0143] The digital currency payment device 600 also includes an identity authentication module, used for: sending an authentication request to a digital currency wallet and receiving a first public key certificate and a first random number from the digital currency wallet, wherein the authentication request includes a second public key certificate of the receiving terminal and the first random number is generated by the digital currency wallet; using the private key corresponding to the second public key certificate to sign the first random number to obtain a first random number signature, and sending the first random number signature and a second random number to the digital currency wallet, wherein the second random number is generated by the identity authentication module; receiving the second random number signature sent by the digital currency wallet and verifying the second random number signature using the public key in the first public key certificate, wherein the second random number signature is obtained by the digital currency wallet signing the second random number using the private key corresponding to the first public key certificate.

[0144] During the entry registration process, the entry information and the first random number signature are sent synchronously from the payment terminal to the digital currency wallet; during the exit payment process, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

[0145] The payment terminal and the digital currency wallet establish a first or second communication connection based on any one of DSRC, NFC, Bluetooth, or WiFi.

[0146] The exit payment execution module 602 is also used to: return exit information and balance deduction results to the digital currency wallet at the end of the billing stage, so that the digital currency wallet can generate payment information based on the exit information, payment amount and balance deduction results; the exit payment execution module 602 is also used to: after receiving the payment information sent by the digital currency wallet, upload the payment information to the back-end system of the digital currency operating institution in real time or asynchronously for reconciliation.

[0147] The digital currency payment device 600 also includes an information writing module, which is used to write entry or exit information into an application file in the digital currency wallet via a file writing instruction, so that the digital currency wallet can store the entry or exit information.

[0148] Figure 7 This is a system functional block diagram for digital currency payment according to an embodiment of the present invention. Figure 7As shown, a digital currency payment method according to one embodiment of the present invention includes entry registration, exit payment collection, and back-end reconciliation. One entry registration process and one exit payment collection process constitute a complete digital currency extended consumption process. Entry registration refers to verifying the user's identity when they enter the billing area to begin consumption, and simultaneously recording entry information (such as entry time, route, and station number for public transportation) in the digital currency wallet for later billing upon exit. Exit payment collection refers to the payment terminal calculating the amount collected after obtaining the entry information and collecting payment from the user's digital currency wallet when the user is about to leave the billing area and end their consumption. After exit payment collection, back-end reconciliation is also performed through the back-end system of the digital currency operating institution, as detailed in the above embodiment.

[0149] The digital currency payment scheme of this invention is used to expand consumption scenarios. It allows entry registration and release, and delayed payment upon exit. Specifically, when a user exits, the payment terminal only calculates the payment amount and obtains the user's payment ciphertext before releasing the user. Subsequently, the payment terminal asynchronously uploads the payment ciphertext to the operation backend to perform online payment reconciliation, thereby achieving the purpose of fast transaction and meeting the fast payment needs of buses, subways, ETC (Electronic Toll Collection System), ETCP (an unmanned smart parking platform), etc.

[0150] Figure 8 An exemplary system architecture 800 for which embodiments of the present invention can be applied to a digital currency payment method or digital currency payment device is shown.

[0151] like Figure 8 As shown, system architecture 800 may include terminal devices 801, 802, and 803, a network 804, and a server 805. Network 804 serves as the medium for providing communication links between terminal devices 801, 802, and 803 and server 805. Network 804 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0152] Users can use terminal devices 801, 802, and 803 to interact with server 805 via network 804 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 801, 802, and 803, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0153] Terminal devices 801, 802, and 803 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0154] Server 805 can be a server providing various services, such as a backend management server supporting shopping websites browsed by users using terminal devices 801, 802, and 803 (for example only). The backend management server can analyze and process data such as received product information query requests, and feed back the processing results (such as target push information and product information—for example only) to the terminal devices.

[0155] It should be noted that the digital currency payment method provided in the embodiments of the present invention is generally executed by terminal devices 801, 802, and 803, and correspondingly, the digital currency payment device is generally installed in terminal devices 801, 802, and 803.

[0156] It should be understood that Figure 8 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0157] The following is for reference. Figure 9 It shows a schematic diagram of the structure of a computer system 900 suitable for implementing a terminal device according to the embodiments of this application. Figure 9 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of this application.

[0158] like Figure 9 As shown, the computer system 900 includes a central processing unit (CPU) 901, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 902 or programs loaded from storage section 908 into random access memory (RAM) 903. The RAM 903 also stores various programs and data required for the operation of the system 900. The CPU 901, ROM 902, and RAM 903 are interconnected via a bus 904. An input / output (I / O) interface 905 is also connected to the bus 904.

[0159] The following components are connected to I / O interface 905: an input section 906 including a keyboard, mouse, etc.; an output section 907 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 908 including a hard disk, etc.; and a communication section 909 including a network interface card such as a LAN card, modem, etc. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to I / O interface 905 as needed. A removable medium 911, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 910 as needed so that computer programs read from it can be installed into storage section 908 as needed.

[0160] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 909, and / or installed from removable medium 911. When the computer program is executed by central processing unit (CPU) 901, it performs the functions defined above in the system of this application.

[0161] It should be noted that the computer-readable medium shown in this 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, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may 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, portable compact disk read-only memory (CD-ROM), optical storage device, 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, apparatus, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0162] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0163] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor may be described as including an entry registration operation module and an exit deduction operation module. The names of these modules do not necessarily limit the module itself; for example, the entry registration operation module may also be described as "a module used to establish a first communication connection with the payment terminal and perform entry registration operations at the start of the billing phase."

[0164] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to include: in a billing start phase, a digital currency wallet establishes a first communication connection with a payment terminal and performs an entry registration operation, the entry registration operation including: the digital currency wallet receiving and storing entry information required for billing start sent by the payment terminal; in a billing end phase, the digital currency wallet establishes a second communication connection with the payment terminal and completes an exit deduction operation, the exit deduction operation including: the digital currency wallet transmitting the entry information to the payment terminal so that the payment terminal calculates the collection amount based on the entry information and the exit information required for billing end; the digital currency wallet receiving the collection amount returned by the payment terminal and performing a digital currency balance deduction based on the collection amount. Alternatively, the device may include: during the billing start phase, the payment terminal establishes a first communication connection with the digital currency wallet and executes an entry registration process, the entry registration process including: the payment terminal sending entry information required for billing start to the digital currency wallet; during the billing end phase, the payment terminal establishes a second communication connection with the digital currency wallet and executes an exit collection process, the exit collection process including: receiving the entry information transmitted by the digital currency wallet, calculating the collection amount based on the entry information and the exit information required for billing end, and returning the collection amount to the digital currency wallet so that the digital currency wallet can deduct digital currency balance based on the collection amount.

[0165] According to the technical solution of this invention, at the beginning of the billing process, the digital currency wallet establishes a first communication connection with the payment terminal and performs an entry registration operation, including: the digital currency wallet receiving and storing entry information required for the start of billing sent by the payment terminal; at the end of the billing process, the digital currency wallet establishes a second communication connection with the payment terminal and completes an exit deduction operation, including: the digital currency wallet transmitting entry information to the payment terminal so that the payment terminal can calculate the collection amount based on the entry information and the exit information required for the end of billing; the digital currency wallet receiving the collection amount returned by the payment terminal and deducting the digital currency balance based on the collection amount. This provides an extended consumption payment solution using digital currency, enabling fast payments using digital currency in non-one-time payment scenarios.

[0166] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A digital currency payment method, characterized in that, include: At the start of the billing phase, the digital currency wallet establishes a first communication connection with the payment terminal. If the payment terminal reads the records of the entry completion status and exit completion status of the previous payment, an entry registration operation is performed. The entry registration operation includes: the digital currency wallet receiving and storing the entry information required to start billing sent by the payment terminal; wherein, if only the record of the entry completion status is read, but the corresponding record of the exit completion status is not read, an exit payment operation is performed according to the predetermined exit information before the entry registration operation. At the end of the billing phase, the digital currency wallet establishes a second communication connection with the payment terminal and completes the exit deduction operation. The exit deduction operation includes: the digital currency wallet transmitting the entry information to the payment terminal, so that the payment terminal can calculate the collection amount based on the entry information and the exit information required for the end of billing; the digital currency wallet receiving the collection amount returned by the payment terminal and deducting the digital currency balance based on the collection amount. At the end of the billing phase, the digital currency wallet also receives and stores the exit information returned by the payment terminal, and generates payment information based on the exit information, the amount received, and the result of the balance deduction. The payment information is then sent to the payment terminal, which uploads the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

2. The method according to claim 1, characterized in that, The entry registration operation further includes: performing a first two-way identity authentication with the payment terminal and confirming that the first two-way identity authentication is successful; and the exit deduction operation further includes: performing a second two-way identity authentication with the payment terminal and confirming that the second two-way identity authentication is successful.

3. The method according to claim 2, characterized in that, The digital currency wallet performs the first or second two-way authentication with the payment terminal, including: The digital currency wallet receives the authentication request from the receiving terminal and sends the first public key certificate of the digital currency wallet and a first random number to the receiving terminal. The authentication request includes the second public key certificate of the receiving terminal, and the first random number is generated by the digital currency wallet. The digital currency wallet receives a first random number signature and a second random number sent by the payment terminal. The first random number signature is obtained by the payment terminal signing the first random number using the private key corresponding to the second public key certificate. The second random number is generated by the payment terminal. The digital currency wallet uses the public key in the second public key certificate to verify the first random number signature. After successful verification, it uses the private key corresponding to the first public key certificate to sign the second random number, obtaining the second random number signature, and sends the second random number signature to the payment terminal for verification.

4. The method according to claim 3, characterized in that, In the entry registration process, the entry information and the first random number signature are sent synchronously from the payment terminal to the digital currency wallet. And / or, In the exit payment operation, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

5. The method according to claim 1, characterized in that, The digital currency wallet and the payment terminal establish the first communication connection or the second communication connection based on any one of DSRC, NFC, Bluetooth, or WiFi.

6. The method according to claim 1, characterized in that, The digital currency wallet writes the entry information or the exit information into the application file in the digital currency wallet according to the file writing instruction issued by the payment terminal, so as to store the entry information or the exit information.

7. The method according to claim 1, characterized in that, The digital currency wallet stores the entry or exit information received from the payment terminal based on the dedicated transaction instructions or application extension instructions issued by the payment terminal.

8. A digital currency payment method, characterized in that, include: At the start of the billing phase, the payment terminal establishes the first communication connection with the digital currency wallet and reads the records of the entry and exit completion status of the previous payment. The entry registration process includes: the payment terminal sending entry information required to start billing to the digital currency wallet; wherein, if only the entry completion status record is read, but the corresponding exit completion status record is not read, the exit payment operation is performed according to the predetermined exit information before the entry registration operation. At the end of the billing phase, the payment terminal establishes a second communication connection with the digital currency wallet and executes an exit payment process. The exit payment process includes: receiving the entry information transmitted by the digital currency wallet, calculating the payment amount based on the entry information and the exit information required for the end of billing, and returning the payment amount to the digital currency wallet so that the digital currency wallet can deduct the digital currency balance based on the payment amount. At the end of the billing phase, the payment terminal also returns the exit information and the result of the balance deduction to the digital currency wallet, so that the digital currency wallet can generate payment information based on the exit information, the amount received, and the result of the balance deduction. After receiving the payment information sent by the digital currency wallet, the payment terminal uploads the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

9. The method according to claim 8, characterized in that, The entry registration process further includes: performing a first two-way identity authentication with the digital currency wallet, and confirming that the first two-way identity authentication is successful; and the exit payment process further includes: performing a second two-way identity authentication with the digital currency wallet, and confirming that the second two-way identity authentication is successful.

10. The method according to claim 9, characterized in that, The first or second two-way authentication between the payment terminal and the digital currency wallet includes: The payment terminal sends an authentication request to the digital currency wallet and receives the first public key certificate and first random number of the digital currency wallet sent by the digital currency wallet. The authentication request includes the second public key certificate of the payment terminal, and the first random number is generated by the digital currency wallet. The payment terminal uses the private key corresponding to the second public key certificate to sign the first random number to obtain a first random number signature, and sends the first random number signature and the second random number to the digital currency wallet. The second random number is generated by the payment terminal. The receiving terminal receives the second random number signature sent by the digital currency wallet and verifies the second random number signature using the public key in the first public key certificate. The second random number signature is obtained by the digital currency wallet signing the second random number using the private key corresponding to the first public key certificate.

11. The method according to claim 10, characterized in that, In the entry registration process, the entry information and the first random number signature are sent synchronously to the digital currency wallet by the payment terminal; In the exit payment process, the entry information and the second random number signature are sent synchronously from the digital currency wallet to the payment terminal.

12. The method according to claim 8, characterized in that, The payment terminal and the digital currency wallet establish the first communication connection or the second communication connection based on any one of DSRC, NFC, Bluetooth, or WiFi.

13. The method according to claim 8, characterized in that, The payment terminal writes the entry information or the exit information into the application file in the digital currency wallet via a file writing instruction, so that the digital currency wallet can store the entry information or the exit information.

14. The method according to claim 8, characterized in that, The payment terminal transmits the entry information or the exit information to the digital currency wallet via a dedicated transaction instruction or application extension instruction, so that the digital currency wallet can store the entry information or the exit information.

15. A digital currency payment device, characterized in that, The device, located in a digital currency wallet, includes: The entry registration module is used to establish a first communication connection with the payment terminal at the start of the billing phase. Upon the payment terminal reading the records of the entry completion status and exit completion status of the previous payment, an entry registration operation is performed. The entry registration operation includes receiving and storing the entry information required to start billing sent by the payment terminal. If only the entry completion status record is read, but the corresponding exit completion status record is not read, an exit payment operation is performed according to predetermined exit information before the entry registration operation. The exit deduction operation module is used to establish a second communication connection with the payment terminal at the end of the billing stage and complete the exit deduction operation. The exit deduction operation includes: transmitting the entry information to the payment terminal so that the payment terminal can calculate the collection amount based on the entry information and the exit information required for the end of the billing; receiving the collection amount returned by the payment terminal; and performing digital currency balance deduction based on the collection amount. The exit payment deduction module is also used to: receive and store the exit information returned by the payment terminal at the end of the billing stage, generate payment information based on the exit information, the amount received and the result of the balance deduction, and send the payment information to the payment terminal so that the payment terminal can upload the payment information to the back-end system of the digital currency operator in real time or asynchronously for reconciliation.

16. A digital currency payment device, characterized in that, The device, installed in the payment terminal, includes: The entry registration execution module is used to establish a first communication connection with the digital currency wallet at the start of the billing phase, read the records of the entry completion status and exit completion status of the previous payment, and execute the entry registration process, which includes sending the entry information required to start billing to the digital currency wallet; wherein, if only the record of the entry completion status is read, but the corresponding record of the exit completion status is not read, the exit payment operation is performed according to the predetermined exit information before the entry registration operation; The exit payment execution module is used to establish a second communication connection with the digital currency wallet at the end of the billing stage and execute the exit payment process. The exit payment process includes: receiving the entry information transmitted by the digital currency wallet, calculating the payment amount based on the entry information and the exit information required for the end of billing, and returning the payment amount to the digital currency wallet so that the digital currency wallet can deduct the digital currency balance based on the payment amount. The exit payment execution module is also used to: return the exit information and the result of the balance deduction to the digital currency wallet at the end of the billing stage, so that the digital currency wallet can generate payment information based on the exit information, the payment amount and the result of the balance deduction; and after receiving the payment information sent by the digital currency wallet, upload the payment information to the back-end system of the digital currency operating institution in real time or asynchronously for reconciliation.

17. An electronic device, characterized in that, include: One or more processors; Memory, used to store one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the method as described in any one of claims 1-14.

18. A computer-readable medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-14.

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