Protection device for terminal device, method and system for realizing digital currency transaction

Abstract

The present invention discloses a protection device for a terminal device, a method and a system for implementing digital currency transactions, relating to the technical field of digital currencies. The protection device for the terminal device may include: a protection housing, a security chip, and a communication component for implementing near-field communication. Among them, the protection housing includes: a housing bottom and a fixing part connected to the housing bottom. The fixing part is used to attach the housing bottom to the back of the terminal device. The security chip and the communication component are arranged on the housing bottom. The security chip is provided with a digital currency wallet, and the digital currency wallet conducts digital currency transactions with other terminal devices through the communication component. The protection device for the terminal device can implement digital currency transactions through near-field communication, improving the user experience.

Description

Technical Field

[0001] The present invention relates to the technical field of digital currency, and particularly to a protection device for a terminal device, a method and a system for implementing digital currency transactions. Background Art

[0002] At present, many mobile terminal devices cannot conduct digital currency transactions through near-field communication due to access control or hardware limitations. For example, the ios system controls secure access permissions, mobile phones without near-field communication functions such as NFC functions, e-readers with hardware function limitations, etc. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a protection device for a terminal device, a method and a system for implementing digital currency transactions, which can realize digital currency transactions through near-field communication and improve the user experience.

[0004] To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a protection device for a terminal device, characterized by comprising: a protection housing, a security chip, and a communication component for implementing near-field communication, wherein,

[0005] The protection housing includes: a housing bottom and a fixing part connected to the housing bottom, wherein,

[0006] The fixing part is used to attach the housing bottom to the back surface of the terminal device;

[0007] The security chip and the communication component are disposed on the housing bottom;

[0008] The security chip is provided with a digital currency wallet, and the digital currency wallet conducts digital currency transactions with other terminal devices through the communication component.

[0009] Optionally,

[0010] The security chip and the communication component are encapsulated in the housing bottom;

[0011] Or,

[0012] The security chip and the communication component are fixed to the inner surface or the outer surface of the housing bottom.

[0013] Optionally,

[0014] The housing bottom is made of any one of PC material, PVC material, silicone, woven fiber material, and leather.

[0015] Optionally,

[0016] The fixing part is arranged around the bottom edge of the housing and is clamped to the side wall of the terminal device;

[0017] Or,

[0018] The fixing part is fixed to the inner surface of the bottom of the housing and is adhesively arranged on the back of the terminal device.

[0019] Optionally, the protection device for the above terminal device further includes: a shielding layer, wherein,

[0020] The shielding layer is arranged on the inner surface of the bottom of the housing and is used to block the near-field communication between the terminal device and the security chip.

[0021] Optionally,

[0022] The shielding layer is made of a material capable of shielding near-field communication signals.

[0023] Optionally,

[0024] The shielding layer is attached and fixed to the inner surface of the bottom of the housing.

[0025] Optionally,

[0026] The security chip further includes: a secure storage space, wherein,

[0027] The secure storage space stores a transaction key, a user certificate of the digital currency wallet, and a transaction certificate, wherein the transaction certificate includes any one or more of a trading party certificate, an operating agency certificate for verifying the trading party certificate, and a root certificate for verifying the operating agency certificate;

[0028] The digital currency wallet stores digital currency;

[0029] The digital currency wallet conducts digital currency transactions with the other terminal devices based on the stored digital currency, the transaction key, the user certificate, and the transaction certificate stored in the secure storage space.

[0030] Optionally,

[0031] The digital currency wallet stores transaction identification information;

[0032] The digital currency wallet further conducts digital currency transactions with the other terminal devices based on the transaction identification information.

[0033] Optionally,

[0034] After the security chip establishes communication with the other terminal device through the communication component,

[0035] The digital currency wallet is used to establish a secure channel with the other terminal device based on the transaction key, the user certificate, and the transaction certificate;

[0036] The digital currency wallet and the other terminal device transmit the coin string information of the digital currency matching the payment amount or the received amount through the secure channel, so as to realize the double-offline transaction between the digital currency wallet and the other terminal device.

[0037] Optionally,

[0038] After the secure chip establishes communication with the other terminal device through the communication component,

[0039] The digital currency wallet is used to send the transaction identification information to the other terminal device, so that the other terminal device conducts an online digital currency transaction based on the transaction identification information, and receives the prompt information of successful or failed deduction sent by the other terminal device.

[0040] Optionally,

[0041] The transaction identification information is pre-implanted in the digital currency wallet;

[0042] Or,

[0043] The transaction identification information is generated by the digital currency wallet included in the terminal device.

[0044] Optionally,

[0045] The transaction identification information includes: an association code or a transaction code associated with the upper-level digital currency wallet.

[0046] Optionally,

[0047] The secure chip establishes communication with the terminal device through the communication component;

[0048] The digital currency wallet is further used to, after receiving the association operation of the terminal device, associate the stored transaction identification information with the digital currency wallet included in the terminal device.

[0049] In a second aspect, an embodiment of the present invention provides a method for realizing a digital currency transaction based on the protection device for any of the above terminal devices, including: the secure chip included in the protection device for the terminal device establishes a communication connection with another terminal device through a communication component;

[0050] The digital currency wallet set by the secure chip conducts a digital currency transaction with the other terminal device.

[0051] Optionally,

[0052] The digital currency wallet set through the security chip conducts digital currency transactions with the other terminal devices, including:

[0053] Based on the stored digital currency and the transaction keys, user certificates, and transaction certificates stored in the secure storage space included in the security chip, the digital currency wallet conducts digital currency transactions with the other terminal devices, where the transaction certificate includes any one or more of a trading party certificate, an operating institution certificate for verifying the trading party certificate, and a root certificate for verifying the operating institution certificate.

[0054] Optionally,

[0055] The digital currency wallet set through the security chip conducts digital currency transactions with the other terminal devices, including:

[0056] The digital currency wallet conducts digital currency transactions with the other terminal devices based on the stored transaction identification information.

[0057] Optionally,

[0058] Conducting digital currency transactions with the other terminal devices includes:

[0059] The digital currency wallet establishes a secure channel with the other terminal devices through the transaction key, the user certificate, and the transaction certificate;

[0060] The digital currency wallet and the other terminal devices transmit the coin string information of the digital currency matching the payment amount or the received amount through the secure channel to implement double-offline transactions between the digital currency wallet and the other terminal devices.

[0061] Optionally,

[0062] Conducting digital currency transactions with the other terminal devices includes:

[0063] The digital currency wallet sends the transaction identification information to the other terminal devices so that the other terminal devices conduct online digital currency transactions based on the transaction identification information.

[0064] Optionally,

[0065] The transaction identification information includes: an association code or a payment code associated with a higher-level digital currency wallet.

[0066] Optionally, the above method further includes:

[0067] The security chip establishes communication with the terminal device through the communication component;

[0068] The digital currency wallet receives the association operation of the terminal device;

[0069] Associating the stored transaction identification information with the digital currency wallet included in the terminal device.

[0070] Optionally,

[0071] After receiving the association operation of the terminal device, it further includes:

[0072] Receiving and storing the transaction identification information generated by the digital currency wallet included in the terminal device.

[0073] In a third aspect, an embodiment of the present invention provides a system for implementing digital currency transactions, including: a terminal device, another terminal device, and a protection device for any of the above terminal devices. Among them,

[0074] The bottom of the housing of the protection device for the terminal device is attached to the back of the terminal device;

[0075] The protection device for the terminal device is used to establish a communication connection with the other terminal device through the provided communication component, and the digital currency wallet in the provided security chip conducts digital currency transactions with the other terminal device through the communication connection.

[0076] Optionally, the above system further includes: a digital currency server for managing the digital currency wallet set in the security chip and the digital currency of the other terminal. Among them,

[0077] The other terminal is further used to establish a secure channel with the security chip, and through the secure channel, receive the coin string information or transaction identification information sent by the digital currency wallet set in the security chip, and generate a transaction message for the transaction identification information;

[0078] The digital currency server is further used to receive the information related to the coin string information or the transaction identification information sent by the other terminal, and record the information related to the coin string information or conduct digital currency transactions based on the transaction message.

[0079] Optionally, the above system further includes: a digital currency management platform, a first digital currency server, and a second digital currency server. Among them,

[0080] The first digital currency server and the second digital currency server belong to different servers;

[0081] The first digital currency server is used to manage the digital currency wallet set in the security chip;

[0082] The second digital currency server is used to manage the digital currency wallets set by the other terminal devices;

[0083] The other terminal devices are further used to send the generated transaction messages to the second digital currency server;

[0084] The second digital currency server is further used to send the transaction messages to the first digital currency server through the digital currency management platform;

[0085] The first digital currency server is further used to perform transaction operations according to the transaction messages, generate transaction results, send the transaction results to the terminal device, and send the transaction results to the second digital currency server through the digital currency management platform;

[0086] The second digital currency server is further used to send the transaction results to the other terminal devices.

[0087] In a fourth aspect, an embodiment of the present invention provides an electronic device, including:

[0088] One or more processors;

[0089] A storage device for storing one or more programs,

[0090] When the one or more programs are executed by the one or more processors, the one or more processors implement the method provided in any of the above embodiments.

[0091] In a fifth aspect, an embodiment of the present invention provides a computer-readable medium, on which a computer program is stored, characterized in that when the program is executed by a processor, the method provided in any of the embodiments is implemented.

[0092] One of the above embodiments of the invention has the following advantages or beneficial effects: Since the protection device for the terminal device includes a security chip and a communication component for implementing near-field communication, the digital currency wallet set by the security chip can perform digital currency transactions with other terminal devices through near-field communication via the communication component, enabling some terminal devices that do not have digital currency transaction functions or near-field communication functions, such as ios devices, e-readers, etc., to also perform digital currency transactions through near-field communication after using the protection device for the terminal device, improving the user experience.

[0093] The further effects of the above non-conventional alternative methods will be described in conjunction with specific embodiments below. BRIEF DESCRIPTION OF THE DRAWINGS

[0094] The drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention. Among them:

[0095] Figure 1 is the front view of the protection device for a terminal device according to an embodiment of the present invention;

[0096] Figure 2 is a schematic cross-sectional view of the protection device for a terminal device according to an embodiment of the present invention;

[0097] Figure 3 is a schematic cross-sectional view of the protection device for a terminal device according to another embodiment of the present invention;

[0098] Figure 4 is a schematic cross-sectional view of the protection device for a terminal device according to yet another embodiment of the present invention;

[0099] Figure 5 is a schematic cross-sectional view of the protection device for a terminal device according to another embodiment of the present invention;

[0100] Figure 6 is the front view of the protection device for a terminal device according to another embodiment of the present invention;

[0101] Figure 7 is a schematic cross-sectional view of the protection device for a terminal device according to yet another embodiment of the present invention;

[0102] Figure 8 is a schematic cross-sectional view of the protection device for a terminal device according to another embodiment of the present invention;

[0103] Figure 9 is a schematic structural diagram of the main modules of a security chip according to an embodiment of the present invention;

[0104] Figure 10 is a schematic diagram of the main process of a method for implementing digital currency transactions according to an embodiment of the present invention;

[0105] Figure 11 is a schematic structural diagram of a system for implementing digital currency transactions according to an embodiment of the present invention;

[0106] Figure 12 is a schematic structural diagram of a system for implementing digital currency transactions according to another embodiment of the present invention;

[0107] Figure 13 is a schematic structural diagram of a system for implementing digital currency transactions according to yet another embodiment of the present invention;

[0108] Figure 14 is a schematic diagram of the main process of single-offline digital currency transactions according to an embodiment of the present invention;

[0109] Figure 15 is a schematic diagram of the main process of double-offline digital currency transactions according to an embodiment of the present invention;

[0110] Figure 16 is an exemplary system architecture diagram in which embodiments of the present invention can be applied. Detailed implementation manners

[0111] The following describes exemplary embodiments of the present invention with reference to the accompanying drawings. Various details of the embodiments of the present invention are included to facilitate understanding, and they should be considered merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, descriptions of well-known functions and structures are omitted below for clarity and conciseness.

[0112] Figure 1 and Figure 6 is a front view of a protection device for a terminal device according to an embodiment of the present invention, Figures 2 to 5 , Figure 7 as well as Figure 8 is a cross-sectional view of a protection device for a terminal device according to an embodiment of the present invention. As Figures 1 to 8 shown, the protection device for the terminal device may include: a protection housing 11, a security chip 12, and a communication component 13 for implementing near-field communication. Among them,

[0113] The protection housing 11 includes: a housing bottom 111 and a fixing part 112 connected to the housing bottom 111. Among them, the fixing part 112 is used to attach the housing bottom 111 to the back of the terminal device 20;

[0114] The security chip 12 and the communication component 13 are disposed on the housing bottom 111;

[0115] The security chip 12 is provided with a digital currency wallet 121. The digital currency wallet 12 conducts digital currency transactions with other terminal devices 30 through the communication component 13.

[0116] Among them, the terminal device 20 is generally a mobile terminal device that users can use for office work, reading, and entertainment in a handheld manner during walking or traveling, such as various models of mobile phones, e-readers, small tablets, etc.

[0117] Other terminal devices 30 may be terminals for receiving / paying with digital currency, such as subway turnstiles, merchant terminals, and card-swipe-in devices at tourist attractions.

[0118] Among them, the communication component 13 for implementing near-field communication (NFC) may be an antenna supporting 13.56M radio frequency communication or other components supporting NFC functions.

[0119] Among them, the bottom 111 of the housing can generally be made of any one of PC material, PVC material, silicone, woven fiber material, and leather. The material used to make the bottom 111 of the housing generally does not shield the near-field communication signal.

[0120] In the embodiment of the present invention, as Figure 2 and Figure 3 shown in the cross-sectional view of the protection device for the terminal device, the above-mentioned security chip 12 and communication component 13 are encapsulated in the bottom 111 of the housing. Through this setting, the risk of the security chip 12 and the communication component 13 being damaged by external forces can be effectively reduced.

[0121] In addition, as Figure 1 , Figure 4 and Figure 5 shown, the above-mentioned security chip 12 and communication component 13 can also be fixed to the inner surface or the outer surface of the bottom 111 of the housing. Among them, Figure 5 shows that the security chip 12 and the communication component 13 are fixed to the outer surface of the bottom 111 of the housing, Figure 1 and Figure 4 shows that the security chip 12 and the communication component 13 are fixed to the inner surface of the bottom 111 of the housing. Among them, the inner surface of the bottom 111 of the housing is the surface that fits against the back of the terminal device 20 after the protection device for the terminal device is fixed to the terminal device 20. The outer surface of the bottom 111 of the housing is the surface opposite to the inner surface of the bottom 111 of the housing. By fixing the security chip 12 and the communication component 13 to the inner surface or the outer surface of the bottom 111 of the housing, it is convenient to replace and fix the security chip 12 and the communication component 13.

[0122] In the embodiment of the present invention, as Figure 1 , Figure 2 and Figure 5 shown, the fixing part 112 is arranged around the edge of the bottom 111 of the housing and is clamped to the side wall of the terminal device 20.

[0123] In the embodiment of the present invention, as Figure 3 and Figure 6 shown, the fixing part 112 is fixed to the inner surface of the bottom 111 of the housing and is adhesively arranged on the back of the terminal device 20. It should be noted that in the case where the fixing part 112 is fixed to the inner surface of the bottom 111 of the housing, the above-mentioned security chip 12 and communication component 13, except as Figure 3Outside the housing bottom 111 shown above, the security chip 12 and the communication component 13 can also be disposed on the inner surface or the outer surface of the housing bottom 111. Among them, when the security chip 12 and the communication component 13 are fixed to the inner surface of the housing bottom 111, the fixing portion 112 covers the security chip 12 and the communication component 13, so that the protection device for the terminal device can be better fixed on the terminal device 20.

[0124] In the embodiment of the present invention, as Figure 7 and Figure 8 shown, the protection device for the terminal device may further include: a shielding layer 14. Among them, the shielding layer 14 is disposed on the inner surface of the housing bottom 111 and is used to block the near-field communication between the terminal device 20 and the security chip 12. Among them, the shielding layer 14 is generally made of a material capable of shielding near-field communication signals, such as a metal material, etc. The shielding layer may be a metal mesh structure. The shielding layer 14 is disposed on the inner surface of the housing bottom 111 specifically as: the shielding layer 14 is attached and fixed to the inner surface of the housing bottom 111, which can ensure the beautiful appearance of the protection device for the terminal device while stabilizing the shielding layer to better shield the near-field communication signal with the terminal device 20. For example, for some devices that can perform near-field communication but do not support digital currency payment, such as terminal devices equipped with the ios system, in order to facilitate users to use near-field communication for digital currency payment and avoid interference from the terminal device to near-field communication, a protection device for the terminal device with the shielding layer 14 can be selected.

[0125] Among them, the security chip 12 provided in the embodiment of the present invention can be provided with a digital currency hard wallet having a hardware security carrier, or can be provided with a digital currency soft wallet that depends on online and network transactions and serves as an online digital currency account. Among them,

[0126] In order to ensure the security of digital currency transactions, for the case where the security chip 12 can be provided with a digital currency hard wallet having a hardware security carrier, in the embodiment of the present invention, as Figure 9 shown, the security chip 12 further includes: a secure storage space 122. Among them,

[0127] The secure storage space 122 stores a transaction key, a user certificate of the digital currency wallet 121, and a transaction certificate; among them, the transaction certificate includes any one or more of a transaction party certificate, an operating institution certificate for verifying the transaction party certificate, and a root certificate for verifying the operating institution certificate.

[0128] Among them, the trading party certificate refers to a certificate authorized by the operating institution for trading parties, such as the digital currency wallet set in the subway turnstile, the digital currency wallet set in the merchant terminal, the digital currency wallet set in the bank terminal, etc., which can conduct transactions through the digital currency wallet. If the trading certificate includes the trading party certificate, that is, the trading party certificate is stored in the secure storage space, it indicates that the trading party certificate has passed the certificate verification of the operating institution, so as to authorize the digital currency wallet 121 of the security chip 12 to conduct transactions with the digital currency wallet that can match the trading party certificate. It is worth noting that the trading party certificate can verify the validity of the trading party certificate through the operating institution certificate of the operating institution that authorizes the trading party certificate.

[0129] Among them, the operating institution certificate refers to a certificate distributed by the central bank digital currency management system to each financial institution or bank, which is used to prove that the financial institution or bank has the digital currency trading authority.

[0130] Among them, the root certificate generally refers to the central bank certificate, that is, the trusted certificate possessed by the digital currency management system. This root certificate can be used to verify the validity of each operating institution certificate.

[0131] The digital currency wallet 121 stores digital currency; among them, the digital currency stored in the digital currency wallet 121 can be transferred from the digital currency wallet of the terminal device 20, or can be transferred from a device capable of transferring and storing digital currency, or can also be transferred through relevant operations of the banking system.

[0132] The digital currency wallet 121 conducts digital currency transactions with other terminal devices 30 based on the stored digital currency, the transaction key stored in the secure storage space 122, the user certificate, and the trading certificate.

[0133] For the case where the trading certificate includes the trading party certificate, the trading party certificate stored in the secure storage space 122 is generally a trading party certificate that has passed the operating institution certificate verification and can directly conduct digital currency transactions. Then, the digital currency wallet 121 can directly conduct digital currency transactions with other terminal devices that match the trading party certificate based on the stored digital currency, user certificate, and trading party certificate.

[0134] For the case where the trading certificate includes the operating institution certificate, before the digital currency wallet 121 conducts digital currency transactions with other terminal devices 30, the digital currency wallet 121 receives the trading party certificate sent by other terminal devices 30, verifies the trading party certificate through the operating institution certificate, and after the verification passes, the digital currency wallet 121 conducts digital currency transactions with other terminal devices 30.

[0135] In the case where the trading certificate includes a root certificate, before the digital currency wallet 121 conducts a digital currency transaction with other terminal devices 30, the digital currency wallet 121 receives the trading party certificate and the operating institution certificate sent by the other terminal devices 30, verifies the operating institution certificate through the root certificate, and after the verification passes, verifies the trading party certificate through the operating institution certificate. After the verification passes, the digital currency wallet 121 conducts a digital currency transaction with the other terminal devices 30.

[0136] Since the digital currency wallet 121 of the security chip 12 stores digital currency, and the transaction is realized based on the transaction key, user certificate, and trading certificate, while ensuring the security of the transaction, it can realize transactions with other terminal devices 30.

[0137] It is worth noting that the number of trading party certificates and operating institution certificates stored in the secure storage space is not limited.

[0138] In the case where the trading certificate only has one or more trading party certificates, the digital currency wallet 121 of the security chip 12 can only conduct dual-offline transactions with other terminal devices that match one or more trading party certificates included in the trading certificate.

[0139] In the case where the trading certificate has an operating institution certificate but no root certificate, the digital currency wallet 121 of the security chip 12 can only conduct transactions with terminal devices with trading party certificates that can be verified by the operating institution certificate.

[0140] In the case where the trading certificate has the root certificate of the central bank, the digital currency wallet 121 of the security chip 12 can only conduct transactions with terminal devices with trading party certificates that can be verified by any operating institution.

[0141] It is worth noting that in the case where the trading certificate includes a root certificate and / or an operating institution certificate, but does not include a trading party certificate, the digital currency wallet 121 of the security chip 12 needs to transmit the trading party certificate of the other terminal device when conducting a digital currency transaction with the other terminal device, and can conduct a digital currency transaction only after the trading party certificate is verified.

[0142] Among them, the specific process of realizing transactions by the digital currency hard wallet based on the security chip 12 may include: after the security chip 12 establishes communication with other terminal devices 30 through the communication component 13, the digital currency wallet 121 is used to establish a secure channel with other terminal devices 30 through a transaction key, a user certificate, and a transaction certificate. It is worth noting that the process of establishing this secure channel mainly involves both communication parties verifying the legality of each other's certificates, that is, the digital currency wallet 121 of the security chip 12 verifies the legality of the certificates of other terminal devices and other terminal devices verify the legality of the certificates of the digital currency wallet 121 of the security chip 12. After the verification passes, a communication session key is generated through negotiation to ensure the integrity and security of the communication, that is, the transaction process. Among them, the process of verifying legality and generating the communication session key is the same as the prior art and will not be elaborated here.

[0143] The digital currency wallet 121 and other terminal devices 30 transmit the coin string information of digital currency that matches the payment amount or the received amount through the secure channel to realize the dual-offline transaction between the digital currency wallet 121 and other terminal devices 30. Among them, the coin string information can be encrypted by the above communication session key to ensure the legality and non-repudiation of the coin string information.

[0144] For the case where a digital currency soft wallet can be set for the security chip 12, in the embodiment of the present invention, the digital currency wallet 121 of the security chip stores transaction identification information; correspondingly, the digital currency wallet 121 further conducts digital currency transactions with other terminal devices 30 based on the transaction identification information. Among them, the transaction identification information can be an association code or a transaction code associated with the upper-level digital currency wallet, and the association code or transaction code can be a bar code, a two-dimensional code, a character string, etc. That is, when the digital currency wallet 121 of the security chip is offline from its corresponding server, other terminal devices 30 can complete online transactions in the background based on the transaction identification information to achieve single-offline transactions.

[0145] Specifically, after the security chip 12 establishes communication with other terminal devices 30 through the communication component 13, the digital currency wallet 121 of the security chip 12 is used to send the transaction identification information to other terminal devices 30, so that other terminal devices 30 conduct digital currency online transactions based on the transaction identification information and receive the prompt information of successful or failed deduction sent by other terminal devices 30. By the digital currency wallet 121 of the security chip 12 receiving the prompt information of successful or failed deduction sent by other terminal devices 30, the transactions of the digital currency wallet 121 of the security chip 12 can be traced or queried through a visualization terminal such as a bank terminal or the user's terminal device in the future.

[0146] In addition, during the above single-risk adventure transaction process, the prompt information of successful or failed deduction can also be sent to the terminal device through the background, such as the server of the digital currency wallet, to remind the user.

[0147] Among them, the above transaction identification information can be pre-implanted into the digital currency wallet 121; it can also be generated by the digital currency wallet of the security chip when the digital currency wallet 121 of the security chip is used for the first time or started, by establishing a connection between the digital currency wallet 121 of the security chip and the terminal device with near-field communication function. This ensures the flexibility of the configuration of the transaction identification information and meets the different needs of users.

[0148] It should be noted that the transaction identification information can be transaction identification information for payment and / or transaction identification information for receipt.

[0149] In addition, the above terminal device with near-field communication function can be a terminal device installed in the above terminal device protection device, or it can be another device.

[0150] In addition, the above terminal device protection device can also include a protective cover for protecting the screen of the terminal device.

[0151] In the embodiment of the present invention, when the digital currency wallet of the security chip 12 is a digital currency soft wallet, when the digital currency wallet of the security chip 12 is enabled, the security chip 12 establishes communication with the terminal device 20 through the communication component 13; the digital currency wallet 121 of the security chip 12 is further configured to, after receiving the association operation of the terminal device 20, associate the stored transaction identification information with the digital currency wallet included in the terminal device 20. This is to realize associating an account for the digital currency wallet, so as to ensure that the digital currency wallet of the security chip 12 can normally conduct digital currency transactions.

[0152] It can be understood that the above terminal device 20 is a terminal device with near-field communication function. When the terminal device protection device includes a shielding layer, the outer surface of the bottom 111 of the housing of the terminal device protection device can be brought close to the terminal device to realize the establishment of communication between the security chip 12 and the terminal device 20 through the communication component 13.

[0153] In addition, the security chip 12 can also establish communication with other devices with near-field communication function through the communication component 13, and establish an associated account for the digital currency wallet of the security chip 12 through other devices with near-field communication function, such as bank terminal devices, etc.

[0154] It should be noted that the above digital currency hard wallet and digital currency soft wallet can be centrally set in the security chip 12, so that users can select the type of digital currency wallet they need according to their needs, improving the user experience.

[0155] Figure 10 is the main flowchart of a method for digital currency trading implemented based on the protection device for the terminal device according to an embodiment of the present invention. As Figure 10 shown, the method may include the following steps:

[0156] Step S1001: The security chip included in the protection device for the terminal device establishes a communication connection with other terminal devices through the communication component;

[0157] Among them, other terminal devices may be devices with digital currency wallets and capable of conducting digital currency transactions, such as subway turnstiles, merchant terminals, bank terminals, etc.

[0158] Step S1002: Conduct digital currency transactions with other terminal devices through the digital currency wallet set by the security chip.

[0159] The digital currency transaction implemented through the above protection device for the terminal device can make up for the defect that the terminal device cannot conduct digital currency transactions, facilitate users to use digital currency transactions, and improve the experience of users using the terminal device and digital currency transactions.

[0160] In the embodiment of the present invention, the above digital currency transaction can be implemented through a digital currency hard wallet with digital currency, or through a digital currency software package that depends on online or networking and is associated with a digital currency account. Among them, the security chip can be set with both a digital currency hard wallet and a digital currency soft wallet for users to choose from.

[0161] Specifically, for the case where the above digital currency transaction can be implemented through a digital currency hard wallet with digital currency, the specific implementation manner of the above step S1002 may include: The digital currency wallet of the security chip conducts digital currency transactions with other terminal devices based on the stored digital currency, the transaction key, user certificate, and transaction certificate stored in the secure storage space included in the security chip. More specifically, the digital currency wallet establishes a secure channel with other terminal devices through the transaction key, user certificate, and transaction certificate; the digital currency wallet and other terminal devices transmit the coin string information of the digital currency that matches the payment amount or receipt amount through the secure channel to implement the double-offline transaction between the digital currency wallet and other terminal devices. Among them, the coin string information of the digital currency that matches the payment amount or receipt amount can be encrypted through the communication session key negotiated between the digital currency wallet of the security chip and other terminal devices to ensure the security, non-tampering, and non-repudiation of the transaction coin string information.

[0162] Specifically, for the case where the above digital currency transaction can be implemented through a digital currency soft wallet, the specific implementation of the above step S1002 may include: The digital currency wallet of the security chip conducts digital currency transactions with other terminal devices based on the stored transaction identification information. More specifically, the transaction identification information is sent to other terminal devices through the digital currency wallet, so that other terminal devices conduct online digital currency transactions based on the transaction identification information. Among them, the transaction identification information includes: an association code or a payment code associated with the upper-level digital currency wallet.

[0163] In an embodiment of the present invention, for the case where the above digital currency transaction can be implemented through a digital currency soft wallet, the method for implementing a digital currency transaction may further include: The security chip establishes communication with the terminal device through the communication component; the digital currency wallet of the security chip receives the association operation of the terminal device; and the stored transaction identification information is associated with the digital currency wallet included in the terminal device. To ensure that the digital currency soft wallet in the security chip can be used normally. Among them, the terminal device is a device with near-field communication function and capable of conducting digital currency transactions, which may be a terminal device installed with the above protection device for the terminal device, or other terminal devices with near-field communication function and capable of conducting digital currency transactions.

[0164] In an embodiment of the present invention, after receiving the association operation of the terminal device, it may further include: receiving and storing the transaction identification information generated by the digital currency wallet included in the terminal device. It should be noted that the transaction identification information may be generated by the terminal device for the user, or preset in the digital currency wallet in the security chip.

[0165] Figure 11 It is a system 1100 for implementing digital currency transactions provided by an embodiment of the present invention. The system 1100 for implementing digital currency transactions may include: a terminal device 20, other terminal devices 30, and the protection device 10 for the terminal device provided in any of the above embodiments. Among them,

[0166] The bottom 111 of the housing of the protection device 10 for the terminal device is attached to the back of the terminal device 20;

[0167] The protection device 10 for the terminal device is used to establish a communication connection with other terminal devices 30 through the provided communication component 13, and the digital currency wallet in the provided security chip 12 conducts digital currency transactions with other terminal devices 30 through the communication connection.

[0168] By setting up a protection device for the terminal device that does not have the function of near-field digital currency transactions, and then the security chip, communication component, digital currency wallet, etc. included in the protection device for the terminal device conduct digital currency transactions with other terminal devices, enabling users to complete digital currency transactions through the protection device for the terminal device even when using a terminal device without the function of near-field digital currency transactions, thus improving the user experience.

[0169] Among them, for the case of conducting single-offline transactions for the digital currency wallet of the security chip (i.e., the digital currency wallet of the security chip is a digital currency soft wallet), the digital currency wallet of the above security chip and the digital currency wallets in other terminals may belong to the same server or different servers.

[0170] For the case where the digital currency wallet of the security chip and the digital currency wallets in other terminals belong to the same server, as Figure 12 shown, in addition to including the above terminal device 20, other terminal devices 30, and the protection device 10 for the terminal device, the system may further include: a digital currency server 40 for managing the digital currency wallet 121 set in the security chip 12 and the digital currency wallets of other terminal devices 30, where,

[0171] Other terminal devices 30 are further configured to establish a secure channel with the security chip 12, and through the secure channel, receive the coin string information or transaction identification information sent by the digital currency wallet 121 set in the security chip 12, and generate a transaction message for the transaction identification information;

[0172] The digital currency server 40 is further configured to receive the information related to the coin string information or the transaction identification information sent by other terminal devices 30, and record the information related to the coin string information or conduct digital currency transactions based on the transaction message.

[0173] For the case where the digital currency wallet of the security chip and the digital currency wallets in other terminals belong to different servers, as Figure 13 shown, in addition to including the above terminal device 20, other terminal devices 30, and the protection device 10 for the terminal device, the system may further include: a digital currency management platform 50, a first digital currency server 60, and a second digital currency server 70, where,

[0174] The first digital currency server 60 and the second digital currency server 70 belong to different servers;

[0175] The first digital currency server 60 is used to manage the digital currency wallet 121 set in the security chip 12;

[0176] The second digital currency server 70 is used to manage the digital currency wallets set in other terminal devices 30;

[0177] Other terminal device 30 is further configured to send the generated transaction message to the second digital currency server 70;

[0178] The second digital currency server 70 is further configured to send the transaction message to the first digital currency server 60 through the digital currency management platform 50;

[0179] The first digital currency server 60 is further configured to perform a transaction operation according to the transaction message, generate a transaction result, send the transaction result to the terminal device 20, and send the transaction result to the second digital currency server 70 through the digital currency management platform 50;

[0180] The second digital currency server 70 is further configured to send the transaction result to the other terminal device 30.

[0181] The following takes a system including a terminal device, other terminal devices ( Figure 14 online collection terminals), protection devices for terminal devices, digital currency management platforms, first digital currency servers ( Figure 14 payment institution platforms), and second digital currency servers ( Figure 14 collection institution platforms) as an example to describe in detail the process of the protection device for terminal devices to achieve single-offline transactions. As Figure 14 shown, the single-offline transaction may include the following steps:

[0182] Step S1401: Store payment identification information in the security chip in the protection device for terminal devices by means of presetting or writing after issuance;

[0183] Among them, storing payment identification information in the security chip in the protection device for terminal devices by means of presetting may be that during the production of the protection device for terminal devices, the payment identification information is written into the security chip. When the user needs to use it later, the payment identification information can be bound to another digital currency wallet, such as the digital currency wallet in the terminal device, so that the payment identification information is associated with another digital currency wallet, such as the digital currency wallet in the terminal device, to achieve activation.

[0184] Storing payment identification information in the security chip in the protection device for terminal devices by means of writing after issuance may be that when the user purchases and uses the protection device for terminal devices at the beginning, establish near-field communication with another digital currency wallet, such as the digital currency wallet in the terminal device, and generate an associated or bound payment identification information for the security chip through another digital currency wallet, such as the digital currency wallet in the terminal device.

[0185] Therefore, the above payment identification information may be the association code or identification of the upper-level digital currency wallet, etc.

[0186] Step S1402: The online payment collection terminal device reads the payment identification information stored in the security chip of the protection device for the terminal device through the NFC channel, combines it with information such as the payment amount and timestamp to form a payment message, and sends it to the payment collection institution platform.

[0187] Step S1403: The payment collection institution platform forwards the payment message to the payment institution platform through the digital currency management platform.

[0188] Step S1404: The payment institution platform confirms the legality of the payment message, completes the payment operation of the payment account, and forwards the payment result to the payment collection institution platform through the digital currency management platform.

[0189] Step S1405: The payment collection institution platform completes the collection operation of the collection account according to the transaction result of the payment institution platform, and returns the collection and payment execution results to the collection terminal.

[0190] Step S1406: The collection terminal prompts the user with the transaction result according to the execution result of the payment collection institution platform.

[0191] In addition, for implementing double-offline transactions using the digital currency hard wallet in the security chip, as Figure 15 shown, the double-offline transaction process may include the following steps:

[0192] Step S1501: Store the offline payment security information in the security chip of the protection device for the terminal device by means of presetting or writing after the issuance of the protection device for the terminal device.

[0193] Among them, the presetting method is to implant the offline payment security information in the security chip of the protection device for the terminal device during the production process of the protection device for the terminal device, and then these offline payment security information can be activated by the user through the terminal device or the bank terminal.

[0194] Writing after the issuance of the protection device for the terminal device means that the user performs near-field communication between the security chip of the protection device for the terminal device and the user's terminal device or the bank terminal, and writes the offline payment security information through the user's terminal device or the bank terminal.

[0195] The offline payment security information may include information related to digital currency security transactions (payment or collection), such as keys, its own certificates, certificates of trading parties, etc.

[0196] Step S1502: Other terminal devices are connected to the protection device for the terminal device through near-field communication via the NFC channel, and initiate a collection or payment operation.

[0197] Step S1503: Other terminal devices and the protection device for the terminal device complete two-way entity authentication based on the offline payment security information stored respectively, establish a secure channel, and generate a communication session key;

[0198] The integrity and confidentiality of the communication between other terminal devices and the protection device for the terminal device can be guaranteed by this communication session key.

[0199] Step S1504: Other terminal devices or the protection device for the terminal device generate legal and non-repudiable digital currency information based on the stored security information, and complete the transmission of the digital currency information based on the secure channel, so as to realize digital currency receipt and payment.

[0200] It should be noted that for the case of using the digital currency hard wallet in the security chip to implement double-offline transactions, the process of the digital currency hard wallet in the security chip and other terminal devices for offline transactions is only exemplarily recorded. After the offline transaction is completed, other terminal devices can record the received coin string information online to the digital currency server that manages the digital currency wallet in this other terminal device, so as to facilitate the tracking of offline transactions.

[0201] Figure 16 An exemplary system architecture 1600 that can apply the method for implementing digital currency transactions or the protection device for the terminal device in the embodiments of the present invention is shown.

[0202] As Figure 16 shown, the system architecture 1600 may include terminal devices 1601, 1602, 1603, the protection devices 1604, 1605, 1606 for the terminal devices are installed on the terminal devices 1601, 1602, 1603, a digital currency trading terminal 1607, a network 1608, a digital currency server 1609 that manages the digital currency soft wallet in the protection device 1604 for the terminal device, a digital currency server 1610 that manages the digital currency wallet in the digital currency trading terminal 1607, and a digital currency management platform 1611. The network 1608 is used to provide a medium for communication links between the digital currency trading terminal 1607 and the digital currency server 1610 of the digital currency wallet, between the digital currency server 1610 of the digital currency wallet and the digital currency management platform 1611, and between the digital currency server 1609 and the digital currency management platform 1611. The network 1608 may include various connection types, such as wired, wireless communication links or fiber optic cables, etc.

[0203] Users can use the protection devices 1604, 1605, and 1606 installed on the terminal devices 1601, 1602, and 1603 to perform near-field communication with the digital currency trading terminal 1607 for digital currency transactions. The digital currency trading terminal 1607 can be a subway turnstile with a digital currency wallet, a card reader at a tourist attraction with a digital currency wallet, a merchant terminal with a digital currency wallet, etc. (only for example).

[0204] The terminal devices 1601, 1602, and 1603 can be various electronic devices, including but not limited to smartphones, tablets, e-readers, and so on.

[0205] The digital currency server 1609 can be a server that provides various services. For example, it can be a background management server that provides single-offline transaction support for the digital currency soft wallets in the protection devices 1604, 1605, and 1606 selected by users (only for example). The digital currency server 1609 can analyze and process the received transaction messages, etc., and feedback the processing results (such as transaction success or failure - only for example) to the digital currency server 1610.

[0206] The digital currency server 1610 can also be a server that provides various services. For example, it can be a background management server that provides support for the transactions of the digital currency trading terminal 1607 (only for example). The background management server can provide the received transaction messages, etc. - information related to the transaction to the digital currency server 1609 through the digital currency management platform 1611.

[0207] The digital currency management platform 1611 uniformly manages different digital currency servers.

[0208] It should be noted that the method for implementing digital currency transactions provided in the embodiments of the present invention is generally interacted by various devices in the above system.

[0209] It should be understood that Figure 16 the numbers of the terminal devices, the protection devices for terminal devices, digital currency trading terminals, networks, digital currency servers, and digital currency management platforms in

[0210] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or may exist separately without being assembled into the device. The above computer-readable medium carries one or more programs. When the one or more programs are executed by the device, the device includes: establishing a communication connection with other terminal devices through a communication component; and conducting digital currency transactions with other terminal devices through a digital currency wallet set by a security chip.

[0211] According to the technical solution of the embodiment of the present invention, since the protection device for the terminal device includes a security chip and a communication component for implementing near-field communication, the digital currency wallet set by the security chip can conduct digital currency transactions with other terminal devices through near-field communication via the communication component, enabling some terminal devices that do not have the digital currency transaction function or near-field communication function, such as iOS devices, e-readers, etc., to conduct digital currency transactions through the near-field communication method after using the protection device for the terminal device, thereby improving the user experience.

[0212] The above specific embodiments do not constitute a limitation on the protection scope of the present 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 principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A protection device for a terminal device, characterized in that Comprising: A protective housing (11), a security chip (12), and a communication component (13) for implementing near-field communication. Among them, The protective housing (11) includes: a housing bottom (111) and a fixing portion (112) connected to the housing bottom (111). Among them, The fixing portion (112) is used to attach the housing bottom (111) to the back surface of the terminal device (20); The security chip (12) and the communication component (13) are disposed on the housing bottom (111); The security chip (12) is provided with a digital currency wallet (121), and the digital currency wallet (121) conducts digital currency transactions with other terminal devices (30) through the communication component (13); The digital currency wallet (121) centrally sets a digital currency hard wallet and a digital currency soft wallet; The digital currency wallet (121) stores transaction identification information, and the transaction identification information is generated by the digital currency wallet included in the terminal device (20); The digital currency wallet (121) further conducts digital currency transactions with the other terminal devices (30) based on the transaction identification information.

2. The protective device for a terminal device according to claim 1, wherein The security chip (12) and the communication component (13) are encapsulated in the housing bottom (111); Or, The security chip (12) and the communication component (13) are fixed to the inner surface or the outer surface of the housing bottom (111).

3. The protective device for a terminal device according to claim 1, wherein The housing bottom (111) is made of any one of PC material, PVC material, silicone, woven fiber material, and leather.

4. The protective device for a terminal device according to claim 1, wherein The fixing portion (112) is disposed around the edge of the housing bottom (111) and is engaged with the side wall of the terminal device (20); Or, The fixing portion (112) is fixed to the inner surface of the housing bottom (111) and is adhesively disposed on the back surface of the terminal device (20).

5. The protective device for a terminal device according to claim 1, wherein, Further comprising: A shielding layer (14). Among them, The shielding layer (14) is disposed on the inner surface of the housing bottom (111) for blocking near-field communication between the terminal device (20) and the security chip (12).

6. The protective device for a terminal device according to claim 5, wherein The shielding layer (14) is made of a material capable of shielding near-field communication signals.

7. The protective device for a terminal device according to claim 5, wherein The shielding layer (14) is attached and fixed to the inner surface of the housing bottom (111).

8. The protective device for a terminal device according to claim 1, wherein The security chip (12) further includes: a secure storage space (122). Among them, The secure storage space (122) stores a transaction key, a user certificate of the digital currency wallet (121), and a transaction certificate, where the transaction certificate includes any one or more of a trading party certificate, an operating institution certificate for verifying the trading party certificate, and a root certificate for verifying the operating institution certificate; The digital currency wallet (121) stores digital currency; The digital currency wallet (121) conducts digital currency transactions with the other terminal device (30) based on the stored digital currency, the transaction key, the user certificate, and the transaction certificate stored in the secure storage space (122).

9. The protection device for a terminal device according to claim 8, wherein after the secure chip (12) establishes communication with the other terminal device (30) through the communication component (13), the digital currency wallet (121) is used to establish a secure channel with the other terminal device (30) based on the transaction key, the user certificate, and the transaction certificate; The digital currency wallet (121) and the other terminal device (30) transmit the coin string information of the digital currency matching the payment amount or the collection amount through the secure channel to implement double-offline transactions between the digital currency wallet (121) and the other terminal device (30).

10. The protection device for a terminal device according to claim 1, wherein after the secure chip (12) establishes communication with the other terminal device (30) through the communication component (13), the digital currency wallet (121) is used to send the transaction identification information to the other terminal device (30) so that the other terminal device (30) conducts online digital currency transactions based on the transaction identification information and receives a prompt message of successful or failed deduction sent by the other terminal device (30).

11. The protection device for a terminal device according to claim 1, wherein the transaction identification information is pre-implanted in the digital currency wallet (121).

12. The protection device for a terminal device according to claim 1 or 10, wherein the transaction identification information includes: an association code or a transaction code associated with a higher-level digital currency wallet.

13. The protection device for a terminal device according to claim 12, wherein the secure chip (12) establishes communication with the terminal device (20) through the communication component (13); the digital currency wallet (121) is further used to, after receiving an association operation of the terminal device (20), associate the stored transaction identification information with the digital currency wallet included in the terminal device (20).

14. A method for implementing digital currency transactions using the protection device for a terminal device according to any one of claims 1 to 13, characterized in that, including: The secure chip (12) included in the protection device for a terminal device establishes a communication connection with another terminal device (30) through a communication component (13); The digital currency wallet (121) provided by the secure chip (12) conducts digital currency transactions with the other terminal device; The digital currency wallet (121) centrally sets a digital currency hard wallet and a digital currency soft wallet; The digital currency wallet (121) stores transaction identification information, and the transaction identification information is generated by the digital currency wallet included in the terminal device (20); Based on the transaction identification information, the digital currency wallet (121) conducts digital currency transactions with the other terminal device (30).

15. The method according to claim 14, wherein The digital currency wallet (121) set through the security chip (12) conducts digital currency transactions with the other terminal device, including: Based on the stored digital currency and the transaction key, user certificate, and transaction certificate stored in the security storage space (122) included in the security chip (12), the digital currency wallet (121) conducts digital currency transactions with the other terminal device (30), where the transaction certificate includes any one or more of a trading party certificate, an operating institution certificate for verifying the trading party certificate, and a root certificate for verifying the operating institution certificate.

16. The method according to claim 14, wherein Conducting digital currency transactions with the other terminal device (30) includes: The digital currency wallet (121) establishes a secure channel with the other terminal device (30) through the transaction key, the user certificate, and the transaction certificate; The digital currency wallet (121) and the other terminal device (30) transmit the coin string information of the digital currency matching the payment amount or receipt amount through the secure channel to achieve the dual-offline transaction between the digital currency wallet (121) and the other terminal device (30).

17. The method according to claim 15, wherein Conducting digital currency transactions with the other terminal device (30) includes: The digital currency wallet (121) sends the transaction identification information to the other terminal device (30) so that the other terminal device (30) conducts digital currency online transactions based on the transaction identification information.

18. The method according to claim 15, wherein The transaction identification information includes: an association code or a payment code associated with the upper-level digital currency wallet.

19. The method according to claim 18, wherein It further includes: The security chip (12) establishes communication with the terminal device (20) through the communication component (13); The digital currency wallet (121) receives the association operation of the terminal device (20); Associates the stored transaction identification information with the digital currency wallet included in the terminal device (20).

20. The method according to claim 19, wherein After receiving the association operation of the terminal device (20), it further includes: Receiving and storing the transaction identification information generated by the digital currency wallet included in the terminal device (20).

21. A system for implementing digital currency transactions, characterized in that, It includes: A terminal device (20), another terminal device (30), and the protection device (10) for the terminal device according to any one of claims 1 to 13, wherein The bottom (111) of the housing of the protection device (10) for the terminal device is attached to the back of the terminal device (20); The protection device (10) for the terminal device is used to establish a communication connection with the other terminal device (30) through the provided communication component (13), and the digital currency wallet (121) in the provided security chip (12) conducts digital currency transactions with the other terminal device (30) through the communication connection; The digital currency wallet (121) centrally sets a digital currency hardware wallet and a digital currency software wallet; The digital currency wallet (121) stores transaction identification information, and the transaction identification information is generated by the digital currency wallet included in the terminal device (20); The digital currency wallet (121) conducts digital currency transactions with the other terminal device (30) based on the transaction identification information.

22. The system according to claim 21, wherein It further includes: A digital currency server (40) for managing the digital currency wallet (121) set in the security chip (12) and the other terminal device (30), wherein, The other terminal device (30) is further used to establish a secure channel with the security chip (12), and through the secure channel, receive the coin string information or transaction identification information sent by the digital currency wallet (121) set in the security chip (12), and generate a transaction message for the transaction identification information; The digital currency server (40) is further used to receive the information related to the coin string information or the transaction identification information sent by the other terminal device (30), and record the information related to the coin string information or conduct digital currency transactions based on the transaction message.

23. The system according to claim 21, wherein It further includes: A digital currency management platform (50), a first digital currency server (60), and a second digital currency server (70), wherein, The first digital currency server (60) and the second digital currency server (70) belong to different servers; The first digital currency server (60) is used to manage the digital currency wallet (121) set in the security chip (12); The second digital currency server (70) is used to manage the digital currency wallet set in the other terminal device (30); The other terminal device (30) is further used to send the generated transaction message to the second digital currency server (70); The second digital currency server (70) is further used to send the transaction message to the first digital currency server (60) through the digital currency management platform (50); The first digital currency server (60) is further used to conduct transaction operations according to the transaction message, generate a transaction result, send the transaction result to the terminal device (20), and send the transaction result to the second digital currency server (70) through the digital currency management platform (50); The second digital currency server (70) is further used to send the transaction result to the other terminal device (30).

24. An electronic device, characterized in that, It includes: One or more processors; A storage device 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 implement the method according to any one of claims 14-20.

25. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, the method according to any one of claims 14-20 is implemented.

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