A digital currency-based transaction method, device and system

Abstract

The application discloses a kind of based on digital currency transaction method, device system, it is related to digital currency technical field.The specific embodiment of the method includes: pay party user end receives the transaction trigger event of payment user, and generates information code for current transaction;Information code is shown in the display interface of pay party user end;Recipient user end scans information code in display interface, obtains pay party information;According to pay party information, recipient information and transaction amount, generate transaction information, and send transaction information to recipient digital currency agency;Recipient digital currency agency receives the transaction information sent by recipient user end, and transaction information is forwarded to pay party digital currency agency;Pay party digital currency agency receives transaction information, and carries out verification to transaction information, in the case where verification passes, execute current transaction.The embodiment guarantees transaction security, expands the application scenario of digital currency, and improves user experience.

Description

TECHNICAL FIELD

[0001] The present application relates to the technical field of digital currency, in particular to a transaction method and device system based on digital currency. BACKGROUND

[0002] At present, in the transaction scene, the two-dimensional code transaction is the most common payment method. The two-dimensional code is generated by the payer and the payee in the networking mode, and the transaction is carried out based on the two-dimensional code.

[0003] The prior art at least has the following problems:

[0004] The existing transaction method generates a static two-dimensional code (i.e., which can be repeatedly used for transactions), and there is a risk of account information leakage for the payer and the payee, especially for the payment two-dimensional code generated by the payer, the user's account funds are also at great risk, and the user experience is poor. SUMMARY

[0005] Therefore, the embodiments of the present application provide a transaction method and device system based on digital currency, which can generate a dynamic information code, so that an information code is only used for one transaction, and the transaction is carried out in the form of digital currency, which reduces the fund risk of the user in the transaction process, ensures the transaction security, expands the application scene of the digital currency, and improves the user experience.

[0006] To achieve the above object, according to the first aspect of the embodiments of the present application, a transaction method based on digital currency is provided, the method is applied to a payer user terminal, and the method comprises:

[0007] receiving a transaction trigger event of a payer user, and generating an information code for the current transaction; wherein the information code comprises payer information and first verification information, the payer information comprises a current transaction count code and a payer digital currency wallet identifier, and the information code is only used for one transaction;

[0008] displaying the information code in a display interface of the payer user terminal; so that: the payee user terminal scans the information code, obtains the payer information, generates transaction information according to the payer information, payee information and transaction amount, and verifies according to the first verification information, and in the case of passing the verification, the transaction information is forwarded to the payer digital currency institution, the transaction information is verified again by the payer digital currency institution, and in the case of passing the verification again, the current transaction is executed.

[0009] Further, the step of receiving a transaction trigger event of a payer user and generating an information code for the current transaction further comprises:

[0010] In response to a transaction triggering event initiated by a payment user, a micro control unit in the payment user terminal generates an information code generation instruction, and sends the information code generation instruction to a digital currency security chip in the payment user terminal;

[0011] The digital currency security chip responds to the information code generation instruction, starts a digital currency application, increments a local transaction count code to obtain a current transaction count code, and generates an information code according to payment party information including the current count code and a payment party digital currency wallet identifier.

[0012] Further, the information code generation instruction further includes a micro control unit random number; the digital currency security chip responds to the information code generation instruction, starts the digital currency application, increments the local transaction count code to obtain the current transaction count code, encrypts a symmetric key according to the first check information, and generates the information code according to the payment party information including the current count code and the payment party digital currency wallet identifier.

[0013] The digital currency security chip responds to the information code generation instruction to verify the micro control unit random number.

[0014] If the verification is passed, the local transaction count code is incremented to obtain the current transaction count code, and the information code is generated according to the payment party information including the current count code and the payment party digital currency wallet identifier.

[0015] Further, the payment party information further includes a payment service identifier.

[0016] Further, the method further includes:

[0017] Setting a display time threshold, and terminating the display of the information code if the display time of the information code exceeds the display time threshold.

[0018] According to a second aspect of the embodiment of the present application, a transaction method based on digital currency is provided, the method is applied to a transaction system based on digital currency, and the method includes:

[0019] The payment user terminal receives a transaction triggering event of a payment user, and generates an information code for a current transaction; and displays the information code in a display interface of the payment user terminal; wherein the information code includes payment party information and first check information, the payment party information includes a current transaction count code and a payment party digital currency wallet identifier, and the information code is only used for one transaction;

[0020] The payment user terminal receives a transaction triggering event of a payment user, and generates an information code for a current transaction; and displays the information code in a display interface of the payment user terminal; wherein the information code includes payment party information and first check information, the payment party information includes a current transaction count code and a payment party digital currency wallet identifier, and the information code is only used for one transaction;

[0021] The payee digital currency institution receives the transaction information sent by the payee user terminal and forwards the transaction information to the payer digital currency institution.

[0022] The payer digital currency institution receives the transaction information, re-verifies the transaction information, and executes the current transaction if the re-verification is passed.

[0023] Further, the step of the payer user terminal receiving the transaction trigger event of the payer user and generating the information code for the current transaction further comprises:

[0024] In response to the transaction trigger event initiated by the payer user, an information code generation instruction is generated by the micro control unit in the payer user terminal, and the information code generation instruction is sent to the digital currency security chip in the payer user terminal.

[0025] In response to the information code generation instruction, the digital currency security chip starts the digital currency application, increments the local transaction count code to obtain the current transaction count code, encrypts the symmetric key according to the first verification information, and generates the information code according to the payer information including the current count code and the payer digital currency wallet identifier.

[0026] Further, the information code generation instruction further includes a micro control unit random number; in response to the information code generation instruction, the digital currency security chip starts the digital currency application, increments the local transaction count code to obtain the current transaction count code, encrypts the symmetric key according to the first verification information, and generates the information code according to the payer information including the current count code and the payer digital currency wallet identifier.

[0027] In response to the information code generation instruction, the digital currency security chip verifies the micro control unit random number.

[0028] If the verification is passed, the local transaction count code is incremented to obtain the current transaction count code, and the information code is generated according to the payer information including the current count code and the payer digital currency wallet identifier.

[0029] Further, the payer information further includes a payer business identifier.

[0030] Further, the method comprises:

[0031] The payer user terminal sets a display time threshold, and terminates the display of the information code if the display time of the information code exceeds the display time threshold.

[0032] Further, the step of the payer digital currency institution receiving the transaction information, verifying the transaction information, and executing the current transaction if the verification is passed further comprises:

[0033] The payee digital currency institution receives the transaction information, determines the payee account information according to the payee digital currency wallet identifier in the transaction information;

[0034] The current transaction count code in the transaction information is checked to determine whether the current transaction count code is greater than the last transaction count code corresponding to the payee account, if yes, the check is passed, the payee account is debited according to the transaction amount in the transaction information, and the debiting result is sent to the payee digital currency institution, so that the payee digital currency structure increases the digital currency corresponding to the transaction amount in the payee account.

[0035] Further, the payee digital currency institution receives the transaction information sent by the payee user terminal, and forwards the transaction information to the payee digital currency institution, and further comprises:

[0036] The payee digital currency institution receives the transaction information sent by the payee user terminal, and sends the transaction information to the interconnection platform;

[0037] The interconnection platform receives the transaction information, and forwards the transaction information to the payee digital currency institution.

[0038] According to a third aspect of the embodiment of the present application, a transaction device based on digital currency is provided, the device is arranged at the payee user terminal, and the device comprises:

[0039] The information code generation module is configured to receive a transaction triggering event of the payee user, and generate an information code for the current transaction; wherein the information code comprises payee information and first check information, the payee information comprises a current transaction count code and a payee digital currency wallet identifier, and the information code is only used for one transaction;

[0040] The information code display module is configured to display the information code in a display interface of the payee user terminal; so that the payee user terminal scans the information code, obtains the payee information, generates transaction information according to the payee information, the payee information and the transaction amount, encrypts the symmetric key according to the first check information, forwards the transaction information to the payee digital currency institution, and verifies the transaction information by the payee digital currency institution, and executes the current transaction if the verification is passed.

[0041] According to a fourth aspect of the embodiment of the present application, a transaction system based on digital currency is provided, the transaction system comprises a payee user terminal, a payee user terminal, a payee digital currency institution, an interconnection platform, a payee digital currency institution, wherein,

[0042] The payer's client is used to: receive the transaction trigger event from the payer and generate an information code for the current transaction; display the information code in the payer's client's display interface; wherein, the information code includes payer information and first verification information, the payer information includes the current transaction counter code and the payer's digital currency wallet identifier, and the information code is used only for one transaction;

[0043] The receiving user terminal is used to: scan the information code in the display interface to obtain the payer information; generate transaction information based on the payer information, the receiving information and the transaction amount, and verify it according to the first verification information; and send the transaction information to the receiving digital currency institution if the verification is successful.

[0044] The receiving digital currency institution is used to: receive transaction information sent by the receiving user and forward the transaction information to the paying digital currency institution;

[0045] The paying digital currency institution is used to: receive transaction information, verify the transaction information, and execute the current transaction if the verification is successful.

[0046] Furthermore, the payer's client is also used for:

[0047] In response to a transaction triggering event initiated by the paying user, an information code generation instruction is generated using the microcontroller unit in the paying user's terminal, and the information code generation instruction is sent to the digital currency security chip in the paying user's terminal.

[0048] The digital currency security chip responds to the information code generation command, launches the digital currency application, increments the local transaction counter to obtain the current transaction counter, encrypts the symmetric key according to the first verification information, and generates an information code based on the payer information including the current counter and the payer's digital currency wallet identifier.

[0049] Furthermore, the paying digital currency institution is also used for:

[0050] The payer's account information is determined based on the payer's digital currency wallet identifier in the transaction information;

[0051] The system verifies whether the current transaction counter in the transaction information is greater than the previous transaction counter corresponding to the payer's account. If so, the verification is successful. Based on the transaction amount in the transaction information, the system deducts funds from the payer's account and sends the deduction result to the payee's digital currency institution. This allows the payee's digital currency institution to add digital currency corresponding to the transaction amount to the payee's account.

[0052] Furthermore, the trading system also includes an interconnectivity platform for:

[0053] receive the transaction information sent by the payee digital currency institution, and forward the transaction information to the payer digital currency institution.

[0054] According to a fifth aspect of the embodiments of the present application, a digital currency-based transaction electronic device is provided, comprising:

[0055] one or more processors;

[0056] a storage device for storing one or more programs,

[0057] When the one or more programs are executed by the one or more processors, the one or more processors implement any of the digital currency-based transaction methods.

[0058] According to a sixth aspect of the embodiments of the present application, a computer readable medium having stored thereon a computer program is provided, which, when executed by a processor, implements any of the digital currency-based transaction methods.

[0059] An embodiment of the above-mentioned application has the following advantages or beneficial effects: Because the payer user terminal receives the transaction triggering event of the payee user, and generates an information code for the current transaction; the information code is displayed in the display interface of the payer user terminal; wherein the information code includes the payer information and the first verification information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, and the information code is only used for one transaction; the payee user terminal scans the information code in the display interface to obtain the payer information; the transaction information is generated according to the payer information, the payee information and the transaction amount, and is verified according to the first verification information, and in the case of passing the verification, the transaction information is sent to the payee digital currency institution; the payee digital currency institution receives the transaction information sent by the payee user terminal, and forwards the transaction information to the payer digital currency institution; the payer digital currency institution receives the transaction information, and performs re-verification on the transaction information, and in the case of passing the re-verification, the technical means for executing the current transaction, so as to overcome the technical problems of the existing transaction method, because the generated two-dimensional code is mainly static, the user's account information and the funds in the account are at risk, and the user experience is poor, and further, a dynamic information code can be generated, so that an information code is only used for one transaction, and the transaction is carried out in the form of digital currency, the user's fund risk in the transaction process is reduced, the transaction security is ensured, the application scenario of digital currency is expanded, and the user experience technical effect is improved.

[0060] The further effects of the above-mentioned non-conventional optional mode will be described in the following combined with the specific embodiments. BRIEF DESCRIPTION OF DRAWINGS

[0061] The accompanying drawings are used to better understand the present application, and do not constitute an improper limitation on the present application. Among them:

[0062] Figure 1 is a schematic diagram of the main flow of a digital currency-based transaction method according to an embodiment of the present application;

[0063] Figure 2 is a schematic diagram of the main flow of a digital currency-based transaction method according to another embodiment of the present application;

[0064] Figure 3 is a schematic diagram of the main modules of a digital currency-based transaction device according to yet another embodiment of the present application;

[0065] Figure 4 is a schematic diagram of the main modules of a digital currency-based transaction system according to still another embodiment of the present application;

[0066] Figure 5 is Figure 4 is a schematic diagram of the interaction flow between main devices in the digital currency-based transaction system;

[0067] Figure 6 is an exemplary system architecture diagram to which embodiments of the present application can be applied;

[0068] Figure 7 is a structural schematic diagram of a computer system of a terminal device or a server suitable for implementing embodiments of the present application. DETAILED DESCRIPTION

[0069] Exemplary embodiments of the present application are described below with reference to the accompanying drawings, which include various details of the embodiments of the present application to assist in understanding, and should be considered as 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 application. Also, in order to be clear and concise, descriptions of well-known functions and structures are omitted in the following description.

[0070] Figure 1 is a schematic diagram of the main flow of a digital currency-based transaction method according to an embodiment of the present application; as Figure 1 shown, the digital currency-based transaction method provided by the embodiments of the present application is applied to a payor user terminal, and mainly includes:

[0071] In step S101, a transaction triggering event of a payor user is received, and an information code for the current transaction is generated; wherein the information code includes payor information and first check information, the payor information includes a current transaction count code, a payor digital currency wallet identifier, and the information code is only used for one transaction.

[0072] Specifically, according to the embodiment of the present application, the information code is dynamically updated in response to the transaction trigger event, that is, an information code for executing the current transaction is generated each time a transaction trigger event is initiated. The information code can be in the form of a two-dimensional code, a bar code, etc., and the information in the information code can be read by scanning the code with a scanning reading device. The transaction trigger event can be in the form of a key operation event, a click operation event or a voice instruction event of the payer user, etc.

[0073] Specifically, according to the embodiment of the present application, the step of receiving the transaction trigger event of the payer user and generating the information code for the current transaction further comprises:

[0074] In response to the transaction trigger event initiated by the payer user, an information code generation instruction is generated by using a micro control unit in the payer user terminal, and the information code generation instruction is sent to a digital currency security chip in the payer user terminal.

[0075] The digital currency security chip is used to start a digital currency application in response to the information code generation instruction, increment the local transaction count code to obtain a current transaction count code, and generate the information code according to the payer information including the current count code and the payer digital currency wallet identifier.

[0076] According to a specific embodiment of the embodiment of the present application, the payer user terminal includes a micro control unit (MCU, Microcontroller Unit), specifically, the MCU is mainly applied to a visual card, such as a smart bracelet, an IC card, etc. The present application can also be applied to a mobile terminal (such as a mobile phone), so that the control module in the mobile terminal can be used, and it is not necessary to be limited to the MCU module, for receiving the transaction trigger event and generating and sending the information code generation instruction to the security chip; the digital currency security chip (SE, Secure Element) has a digital currency application installed therein, for starting the digital currency application and generating the information code according to the information code generation instruction. The form of the payer user terminal can be a smart bracelet, an IC card or a mobile terminal (such as a mobile phone) with a digital currency security chip installed.

[0077] Optionally, the payer user terminal can further include a keyboard, based on which the payer user can add a transaction amount in the transaction trigger event. Further, the payer user can also input a user password, so that the digital currency security chip further verifies the identity of the payer user for executing the current transaction before generating the information code, wherein the verification method can be fingerprint recognition verification, and the verification method of the prior art can also be adopted.

[0078] Further, according to the embodiment of the present application, the information code generation instruction further comprises a micro control unit random number; and the step of generating the information code according to the payer information comprising the current count code and the payer digital currency wallet identifier based on the first check information and the current transaction count code obtained by incrementing the local transaction count code in response to the information code generation instruction by the digital currency security chip, further comprises:

[0079] verifying the micro control unit random number in response to the information code generation instruction by the digital currency security chip;

[0080] in case of verification, incrementing the local transaction count code to obtain the current transaction count code, encrypting the symmetric key according to the first check information, and generating the information code according to the payer information comprising the current count code and the payer digital currency wallet identifier.

[0081] The micro control unit random number is used to realize internal verification of the payer user terminal before the information code is generated, thereby effectively ensuring the security of the process of generating the information code.

[0082] Preferably, according to the embodiment of the present application, the payer information further comprises a payment service identifier.

[0083] The payment service identifier is used to represent the identifier information of whether the payer user opens the transaction using the information code, and the payment service identifier can be checked by the payer digital currency institution to ensure the security of the user account.

[0084] For example, according to a specific embodiment of the embodiment of the present application, in the process of generating the information code, the payment service identifier can be encrypted by using the asymmetric key or the symmetric key, so that after the payer digital currency institution receives the transaction information comprising the encrypted information, the encrypted information is decrypted according to the key agreed with the payer user terminal, the payment service identifier is checked, and the current transaction is executed in case of verification. Through the above setting, the security of the user's (especially the payer's) account is further ensured.

[0085] Further, according to the embodiment of the present application, in the process of generating the information code, the integrity protection processing can be performed on all information contained in the information code to avoid tampering of the information code.

[0086] In step S102, the information code is displayed in the display interface of the payer user terminal; so that the payee user terminal scans the information code, obtains the payer information, generates transaction information according to the payer information, the payee information and the transaction amount, and performs verification according to the first verification information, and in the case of passing the verification, the transaction information is forwarded to the payer digital currency institution, the transaction information is verified again by the payer digital currency institution, and in the case of passing the verification again, the current transaction is executed.

[0087] Further, according to the embodiment of the present application, the above method further comprises:

[0088] The display time threshold is set, and in the case that the display time of the information code exceeds the display time threshold, the display of the information code is terminated.

[0089] By setting the display time threshold, the use time interval of the information code is also limited in the case of ensuring that the information code can be used only once, further ensuring the security of the dynamic information code.

[0090] Preferably, according to the embodiment of the present application, the step that the payer digital currency institution receives the transaction information, verifies the transaction information, and in the case of passing the verification, executes the current transaction, further comprises:

[0091] The payer digital currency institution receives the transaction information, and determines the payer account information according to the payer digital currency wallet identifier in the transaction information;

[0092] Verify whether the current transaction count code in the transaction information is greater than the last transaction count code corresponding to the payer account, if yes, the verification is passed, the payer account is debited according to the transaction amount in the transaction information, and the debiting result is sent to the payee digital currency institution, so that the payee digital currency structure increases the digital currency corresponding to the transaction amount in the payee account.

[0093] Since the transaction count code is incremented each time the information code is generated, the payer digital currency institution verifies the current transaction count code, and only in the case that the current transaction count code is greater than the last transaction count code, the transaction is performed, thereby ensuring that an information code can be used only once, realizing dynamic setting of the information code, and avoiding the security risks of account information and account funds existing in static code.

[0094] Further, according to the embodiment of the present application, the step that the payee user terminal forwards the transaction information to the payer digital currency institution further comprises:

[0095] The payee user end sends the transaction information to the payee digital currency institution, the payee digital currency institution sends the transaction information to the interconnection platform, and finally, the interconnection platform forwards the transaction information to the payer digital currency institution.

[0096] The interconnection platform as a platform connecting the payee digital currency institution and the payer digital currency institution not only helps the safe forwarding of transaction information, but also provides regulatory protection for the entire transaction system.

[0097] According to the technical scheme of the embodiment of the application, the transaction trigger event of the payer user is received, and the information code for the current transaction is generated; the information code includes the payer information and the first check information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, and the information code is only used for one transaction; the information code is displayed on the display interface of the payer user end; so that the payee user end scans the information code to obtain the payer information, generates the transaction information according to the payer information, the payee information and the transaction amount, and checks according to the first check information, and in the case that the check is passed, the transaction information is forwarded to the payer digital currency institution, the transaction information is checked again by the payer digital currency institution, and in the case that the second check is passed, the technical means of the current transaction is executed, so that the existing transaction method is overcome, the static two-dimensional code is generated, the user's account information and the funds in the account are at risk, and the technical problem of poor user experience is solved, and a dynamic information code is generated, so that an information code is only used for one transaction, and the transaction is carried out in the form of digital currency, the fund risk of the user in the transaction process is reduced, the transaction security is ensured, the application scene of the digital currency is expanded, and the user experience technical effect is improved.

[0098] Figure 2 is a schematic diagram of the main process of the transaction method based on digital currency according to another embodiment of the application; as Figure 2 shown, the transaction method based on digital currency provided by the embodiment of the application is applied to a transaction system based on digital currency, mainly including:

[0099] Step S201, the payer user end receives the transaction trigger event of the payer user, and generates an information code for the current transaction; the information code is displayed on the display interface of the payer user end; wherein the information code includes the payer information and the first check information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, and the information code is only used for one transaction.

[0100] Specifically, according to the embodiment of the application, the step that the payer user end receives the transaction trigger event of the payer user and generates the information code for the current transaction further includes:

[0101] In response to a transaction triggering event initiated by the payer user, a micro control unit in the payer user terminal generates an information code generation instruction, and sends the information code generation instruction to a digital currency security chip in the payer user terminal;

[0102] The digital currency security chip responds to the information code generation instruction, starts a digital currency application, increments a local transaction count code to obtain a current transaction count code, and generates an information code according to payer information including the current count code and a payer digital currency wallet identifier.

[0103] Further, according to an embodiment of the present application, the information code generation instruction further includes a micro control unit random number; the digital currency security chip responds to the information code generation instruction, starts a digital currency application, increments a local transaction count code to obtain a current transaction count code, and generates an information code according to payer information including the current count code and a payer digital currency wallet identifier.

[0104] The digital currency security chip responds to the information code generation instruction, verifies the micro control unit random number;

[0105] If the verification is passed, the local transaction count code is incremented to obtain a current transaction count code, a symmetric key is encrypted according to the first verification information, and an information code is generated according to payer information including the current count code and a payer digital currency wallet identifier.

[0106] Based on the micro control unit random number, internal verification of the payer user terminal before generating the information code is realized, effectively ensuring the security of the process of generating the information code.

[0107] Optionally, according to an embodiment of the present application, the payer information further includes a payer business identifier.

[0108] The payer business identifier is used to represent whether the payer user has opened the identifier information for transaction using the information code, and the payer business identifier can be verified by the payer digital currency institution to ensure the safety of the user account funds.

[0109] For example, according to a specific embodiment of an embodiment of the present application, in the process of generating the information code, the payer business identifier can be encrypted using an asymmetric key or a symmetric key, so that after the payer digital currency institution receives the transaction information including the encrypted information, the encrypted information is decrypted according to the key agreed with the payer user terminal, the payer business identifier is verified, and the current transaction is executed if the verification is passed. Through the above setting, the safety of the user's (especially the payer's) account funds is further ensured.

[0110] Further, according to the embodiment of the present application, the method further comprises:

[0111] The payer user end sets a display time threshold, and in a case where the display time of the information code exceeds the display time threshold, the display of the information code is terminated.

[0112] By setting the display time threshold, the use time interval of the information code is also limited in the case of ensuring that the information code can be used only once, further ensuring the security of the dynamic information code.

[0113] In step S202, the payee user end scans the information code in the display interface to obtain the payer information; generates transaction information according to the payer information, the payee information and the transaction amount, and sends the transaction information to the payee digital currency institution.

[0114] The payee user end is provided with a code scanning and reading device for scanning the information code displayed in the display interface of the payer user end to obtain the payer information. Then, the payee user end obtains the payee information including the payee digital currency wallet identifier and the transaction amount to generate the transaction information. Further, if the payer information includes the transaction amount input by the payer, the payee user end can first check the transaction amount, and if the check is correct, the transaction information is generated.

[0115] In step S202, the payee digital currency institution receives the transaction information sent by the payee user end and forwards the transaction information to the payer digital currency institution.

[0116] Further, according to the embodiment of the present application, the payee digital currency institution receiving the transaction information sent by the payee user end and forwarding the transaction information to the payer digital currency institution further comprises:

[0117] After receiving the transaction information sent by the payee user end, the payee digital currency institution sends the transaction information to the interconnection platform;

[0118] After receiving the transaction information, the interconnection platform forwards the transaction information to the payer digital currency institution.

[0119] In step S204, the payer digital currency institution receives the transaction information, re-verifies the transaction information, and executes the current transaction in a case where the re-verification is passed.

[0120] Specifically, according to the embodiment of the present application, the step of the payer digital currency institution receiving the transaction information, re-verifying the transaction information, and executing the current transaction in a case where the re-verification is passed further comprises:

[0121] The payer digital currency institution receives the transaction information, and determines the payer account information according to the payer digital currency wallet identifier in the transaction information.

[0122] checking whether the current transaction count code in the transaction information is greater than the last transaction count code corresponding to the payee account, if yes, identifying that the checking is passed, deducting the payee account according to the transaction amount in the transaction information, and sending the deduction result to the payee digital currency institution, so that the payee digital currency institution increases the digital currency corresponding to the transaction amount in the payee account.

[0123] Since the transaction count code is incremented each time the information code is generated, the payee digital currency institution verifies the current transaction count code, and only when the current transaction count code is greater than the last transaction count code, the transaction is performed, thereby ensuring that an information code can be used for only one transaction, and the dynamic setting of the information code is achieved, avoiding the security risks of account information and account funds existing in static codes.

[0124] According to the technical scheme of the embodiment of the application, the payee user end receives the transaction triggering event of the payer user and generates the information code for the current transaction; the information code is displayed in the display interface of the payee user end; wherein the information code includes the payee information and the first check information, the payee information includes the current transaction count code and the payee digital currency wallet identifier, and the information code is used for only one transaction; the payee user end scans the information code in the display interface to obtain the payee information; the transaction information is generated according to the payee information, the payee information and the transaction amount, and the transaction information is sent to the payee digital currency institution; the payee digital currency institution receives the transaction information sent by the payee user end, encrypts the symmetric key according to the first check information, and forwards the transaction information to the payee digital currency institution; the payee digital currency institution receives the transaction information, checks the transaction information, and executes the technical means of the current transaction if the checking is passed, so the existing transaction method is overcome, the static generation of the two-dimensional code leads to the security risks of the account information and the funds in the account of the user, and the technical problem of poor user experience is overcome, thereby a dynamic information code can be generated, the information code is used for only one transaction, and the transaction is performed in the form of digital currency, the fund risk of the user in the transaction process is reduced, the transaction security is ensured, the application scenarios of the digital currency are expanded, and the technical effect of improving the user experience is improved.

[0125] Figure 3 is a schematic diagram of the main modules of the transaction device based on digital currency according to another embodiment of the application; as Figure 3 shown, the transaction device based on digital currency 300 provided by the embodiment of the application is arranged in the payee user end, mainly including:

[0126] The information code generation module 301 is configured to: receive a transaction trigger event of a payment user, and generate an information code for a current transaction; wherein the information code comprises payment party information and first verification information, the payment party information comprises a current transaction count code and a payment party digital currency wallet identifier, and the information code is used for only one transaction.

[0127] Specifically, according to the embodiment of the present application, the information code is dynamically updated in response to a transaction trigger event, that is, an information code for performing a current transaction is generated each time a transaction trigger event is initiated. The information code can be in the form of a two-dimensional code, a bar code or the like, and information in the information code can be read by scanning the information code through a scanning reading device. The transaction trigger event can be in different forms such as a key operation event, a click operation event or a voice instruction event of the payment user.

[0128] Specifically, according to the embodiment of the present application, the information code generation module 301 is further configured to:

[0129] In response to a transaction trigger event initiated by the payment user, an information code generation instruction is generated by using a micro control unit in the payment party user terminal, and the information code generation instruction is sent to a digital currency security chip in the payment party user terminal.

[0130] In response to the information code generation instruction, the digital currency security chip is used to start a digital currency application, increment a local transaction count code to obtain a current transaction count code, encrypt a symmetric key according to the first verification information, and generate the information code according to the payment party information comprising the current count code and the payment party digital currency wallet identifier.

[0131] According to a specific embodiment of the present application, the payment party user terminal comprises a micro control unit (MCU, Microcontroller Unit) configured to receive a transaction trigger event and generate and send an information code generation instruction to a security chip; and the digital currency security chip (SE, Secure Element) is installed with a digital currency application, and the security chip is configured to start the digital currency application and generate the information code according to the information code generation instruction. The form of the payment party user terminal can be a smart bracelet, an IC card or a mobile terminal (such as a mobile phone) installed with the digital currency security chip.

[0132] Optionally, the payment party user terminal can further comprise a keyboard, and the payment user can add a transaction amount in the transaction trigger event based on the keyboard. Further, the payment user can input a user password, so that the digital currency security chip further verifies the identity of the payment user performing the current transaction before generating the information code.

[0133] Further, according to the embodiment of the present application, the information code generation instruction further comprises a micro control unit random number; and the information code generation module 301 is further configured to:

[0134] The digital currency security chip is configured to verify the micro control unit random number in response to the information code generation instruction.

[0135] In the case of verification, the local transaction count code is incremented to obtain a current transaction count code, and the information code is generated according to the payer information including the current count code and the payer digital currency wallet identifier.

[0136] Based on the micro control unit random number, internal verification of the payer user end before generating the information code is realized, effectively ensuring the security in the process of generating the information code.

[0137] Preferably, according to the embodiment of the present application, the payer information further includes a payer service identifier.

[0138] The payer service identifier is used to represent the identifier information of whether the payer user opens the transaction using the information code, and the payer service identifier can be verified by the payer digital currency institution to ensure the security of the user account funds.

[0139] For example, according to a specific embodiment of the present application, in the process of generating the information code, the payer service identifier can be encrypted using an asymmetric key or a symmetric key, so that after the payer digital currency institution receives the transaction information including the encrypted information, the encrypted information is decrypted according to the key agreed with the payer user end, the payer service identifier is verified, and the current transaction is executed in the case of verification. Through the above setting, the security of the user's (especially the payer's) account funds is further ensured.

[0140] Further, according to the embodiment of the present application, in the process of generating the information code, the information code generation module 301 is further configured to perform integrity protection processing on all information contained in the information code to avoid tampering with the information code.

[0141] The information code display module 302 is configured to display the information code in the display interface of the payer user end, so that the payee user end scans the information code, obtains the payer information, generates transaction information according to the payer information, the payee information and the transaction amount, and performs verification according to the first verification information. In the case of verification, the transaction information is forwarded to the payer digital currency institution, and the transaction information is re-verified by the payer digital currency institution. In the case of re-verification, the current transaction is executed.

[0142] Further, according to the embodiment of the present application, the information code display module 302 is further configured to:

[0143] A display time threshold is set, and in a case where the display time of the information code exceeds the display time threshold, the display of the information code is terminated.

[0144] By setting the display time threshold, the use time interval of the information code is also limited in the case of ensuring that the information code can be used only once, further ensuring the security of the dynamic information code.

[0145] Preferably, according to the embodiment of the present application, the payer digital currency institution receives the transaction information, verifies the transaction information, and in a case where the verification is passed, executes the steps of the current transaction, and further comprises the steps of:

[0146] The payer digital currency institution receives the transaction information, and determines the payer account information according to the payer digital currency wallet identifier in the transaction information.

[0147] The current transaction count code in the transaction information is verified whether it is greater than the last transaction count code corresponding to the payer account, and if so, the verification is passed, the payer account is debited according to the transaction amount in the transaction information, and the debiting result is sent to the payee digital currency institution, so that the payee digital currency structure increases the digital currency corresponding to the transaction amount in the payee account.

[0148] Since the transaction count code is incremented each time the information code is generated, the payer digital currency institution verifies the current transaction count code, and only in a case where the current transaction count code is greater than the last transaction count code, the transaction is performed, thereby ensuring that an information code can be used for only one transaction, realizing dynamic setting of the information code, and avoiding the security risks of account information and account funds existing in static codes.

[0149] Further, according to the embodiment of the present application, the step of the payee user end forwarding the transaction information to the payer digital currency institution further comprises the steps of:

[0150] The payee user end sends the transaction information to the payee digital currency institution, the payee digital currency institution sends the transaction information to the interconnection platform, and finally the interconnection platform forwards the transaction information to the payer digital currency institution.

[0151] The interconnection platform as a platform connecting the payee digital currency institution and the payer digital currency institution helps to safely forward the transaction information, and can also provide supervision and protection for the entire transaction system.

[0152] According to the technical scheme of the embodiment of the present application, the transaction triggering event of the payment user is received, and the information code for the current transaction is generated; the information code includes the payment party information and the first check information, the payment party information includes the current transaction count code and the payment party digital currency wallet identifier, and the information code is only used for one transaction; the information code is displayed on the display interface of the payment party user terminal; so that the payment party information is acquired by the payment party user terminal scanning the information code, the transaction information is generated according to the payment party information, the payment party information and the transaction amount, and the first check information is checked, the transaction information is forwarded to the payment party digital currency institution according to the check, the transaction information is checked again by the payment party digital currency institution, the current transaction is executed according to the check again, and the technical scheme overcomes the technical problems of the prior art, that is, the generated two-dimensional code is mainly static, the account information of the user and the funds in the account are at risk, and the user experience is poor, so that a dynamic information code is generated, the information code is only used for one transaction, the transaction is performed in the form of digital currency, the fund risk of the user in the transaction process is reduced, the transaction security is ensured, the application scene of the digital currency is expanded, and the user experience is improved.

[0153] Figure 4 is a schematic diagram of main modules of a transaction system based on digital currency according to another embodiment of the present application; as Figure 4 shown, the transaction system based on digital currency 400 provided by the embodiment of the present application includes a transaction device based on digital currency (provided on a payment party user terminal, and hereinafter represented by the payment party user terminal) 300, a payment party user terminal 401, a payment party digital currency institution 402 and a payment party digital currency institution 403. Figure 4

[0154] The payment party user terminal 300 is used for receiving the transaction triggering event of the payment user, and generating the information code for the current transaction; the information code is displayed on the display interface of the payment party user terminal; the information code includes the payment party information and the first check information, the payment party information includes the current transaction count code and the payment party digital currency wallet identifier, and the information code is only used for one transaction.

[0155] Specifically, according to the embodiment of the present application, the payment party user terminal 300 is further used for:

[0156] In response to the transaction triggering event initiated by the payment user, the micro control unit in the payment party user terminal generates the information code generation instruction, and sends the information code generation instruction to the digital currency security chip in the payment party user terminal.

[0157] ​The digital currency security chip generates the information code according to the information code generation instruction, and the digital currency application increments the local transaction count code to obtain a current transaction count code, and generates the information code according to the payer information including the current count code and the payer digital currency wallet identifier.

[0158] Further, according to the embodiment of the present application, the information code generation instruction further includes a micro control unit random number; and the payer user terminal 300 is further configured to:

[0159] The digital currency security chip verifies the micro control unit random number according to the information code generation instruction;

[0160] If the verification is passed, the local transaction count code is incremented to obtain a current transaction count code, and the information code is generated according to the payer information including the current count code and the payer digital currency wallet identifier.

[0161] Based on the micro control unit random number, the internal verification of the payer user terminal before generating the information code is realized, and the security in the process of generating the information code is effectively guaranteed.

[0162] Optionally, according to the embodiment of the present application, the payer information further includes a payer business identifier.

[0163] The payer business identifier is used to represent the identification information of whether the payer user opens the transaction using the information code, and the payer digital currency institution can verify the payer business identifier to guarantee the security of the user account.

[0164] For example, according to a specific embodiment of the embodiment of the present application, in the process of generating the information code, the payer business identifier can be encrypted by using an asymmetric key or a symmetric key, so that after the payer digital currency institution receives the transaction information including the encrypted information, the payer business identifier is verified after the encrypted information is decrypted according to the key agreed by the payer user terminal, and the current transaction is executed if the verification is passed. Through the above setting, the security of the user's (especially the payer's) account is further guaranteed.

[0165] Further, according to the embodiment of the present application, the payer user terminal 300 is further configured to:

[0166] The payer user terminal sets a display time threshold, and terminates the display of the information code if the display time of the information code exceeds the display time threshold.

[0167] By setting the display time threshold, the use time interval of the information code is also limited in the case of guaranteeing that the information code can be used only once, and the security of the dynamic information code is further guaranteed.

[0168] The payee user terminal 401 is configured to scan the information code in the display interface to obtain the payer information, generate transaction information according to the payer information, the payee information and the transaction amount, and send the transaction information to the payee digital currency institution.

[0169] The code scanning and reading device is arranged in the payee user terminal 401, and is configured to scan the information code displayed in the display interface of the payer user terminal to obtain the payer information. Then, the payee user terminal obtains the payee information including the payee digital currency wallet identifier and the transaction amount, and generates the transaction information. Further, if the payer information includes the transaction amount input by the payer, the payee user terminal can first check the transaction amount, and if the check is correct, the transaction information is generated.

[0170] The payee digital currency institution 402 is configured to receive the transaction information sent by the payee user terminal, and forward the transaction information to the payer digital currency institution.

[0171] Further, according to the embodiment of the present application, the digital currency-based transaction system 400 further comprises an interconnection platform 404, which is configured to:

[0172] receive the transaction information sent by the payee digital currency institution 402, and forward the transaction information to the payer digital currency institution 403.

[0173] The payer digital currency institution 403 is configured to receive the transaction information, and perform the current transaction if the verification is passed.

[0174] Specifically, according to the embodiment of the present application, the payer digital currency institution 403 is further configured to:

[0175] receive the transaction information, and determine the payer account information according to the payer digital currency wallet identifier in the transaction information;

[0176] verify whether the current transaction count code in the transaction information is greater than the last transaction count code corresponding to the payer account, and if yes, the verification is passed, the payer account is debited according to the transaction amount in the transaction information, and the debiting result is sent to the payee digital currency institution, so that the payee digital currency institution increases the digital currency corresponding to the transaction amount in the payee account.

[0177] Since the transaction count code is incremented each time the information code is generated, the payer digital currency institution verifies the current transaction count code, and only in the case that the current transaction count code is greater than the last transaction count code, the transaction is performed, thereby ensuring that one information code can be used for only one transaction, and realizing dynamic setting of the information code, and avoiding the security risks of the account information and the account funds existing in the static code.

[0178] Further, according to the embodiment of the present application, if the payer information further includes a payment service identifier, the transaction information also includes the payment service identifier, and the payer digital currency institution 403 is further configured to verify whether the payer has opened a service for digital currency transaction by using the above information code according to the payment service identifier, and if the verification is passed, i.e., the payer has opened the corresponding service, the transaction is executed again.

[0179] According to the technical scheme of the embodiment of the present application, the payer user terminal receives the transaction triggering event of the payer user, generates an information code for the current transaction, displays the information code in the display interface of the payer user terminal, wherein the information code includes the payer information and the first verification information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, the information code is only used for one transaction, the payee user terminal scans the information code displayed in the display interface to obtain the payer information, generates the transaction information according to the payer information, the payee information and the transaction amount, and sends the transaction information to the payee digital currency institution, the payee digital currency institution receives the transaction information sent by the payee user terminal, encrypts the symmetric key according to the first verification information, forwards the transaction information to the payer digital currency institution, and the payer digital currency institution receives the transaction information, verifies the transaction information, and executes the current transaction if the verification is passed, so that the existing transaction method is overcome, the static two-dimensional code is generated, the user's account information and the funds in the account are at risk, the user experience is poor, and the technical problem is solved, so that a dynamic information code is generated, one information code is only used for one transaction, and the transaction is performed in the form of digital currency, the fund risk of the user in the transaction process is reduced, the transaction security is ensured, the application scenario of the digital currency is expanded, and the user experience is improved.

[0180] Referring to Figure 5 , Figure 5 An interaction flow diagram between main devices in a transaction system based on digital currency is shown, which mainly includes:

[0181] S1, the payer user terminal 300 receives the transaction triggering event of the payer user, generates and displays an information code for the current transaction. The information code includes the payer information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, and the information code is only used for one transaction.

[0182] S2, the payee user terminal 401 scans the information code displayed in the display interface of the payer user terminal 300 to obtain the payer information.

[0183] S3, the payee user terminal 401 generates transaction information according to the payer information, the payee information and the transaction amount.

[0184] S4, the payee user terminal 401 sends the transaction information to the payee digital currency institution 402.

[0185] S5, the payee digital currency institution 402 forwards the transaction information to the payer digital currency institution 403 after receiving the transaction information.

[0186] S6, the payer digital currency institution 403 checks whether the current transaction count code in the transaction information is greater than the last transaction count code corresponding to the payer account, and if so, identifies that the check is passed and deducts the payer account.

[0187] S7, the payer digital currency institution 403 sends the deduction result to the payee digital currency institution 402.

[0188] S8, the payee digital currency institution 402 increases the digital currency of the corresponding amount in the payee account after receiving the deduction result.

[0189] According to the technical scheme of the embodiment of the application, the payer user terminal receives the transaction triggering event of the payer user and generates the information code for the current transaction; the information code is displayed on the display interface of the payer user terminal; the information code includes the payer information and the first check information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, and the information code is only used for one transaction; the payee user terminal scans the information code on the display interface to obtain the payer information; the transaction information is generated according to the payer information, the payee information and the transaction amount, the symmetric key is encrypted according to the first check information, and the transaction information is sent to the payee digital currency institution; the payee digital currency institution receives the transaction information sent by the payee user terminal and forwards the transaction information to the payer digital currency institution; the payer digital currency institution receives the transaction information, checks the transaction information, and executes the current transaction in the case of passing the check, so as to overcome the technical problems of the existing transaction method, i.e., the generated two-dimensional code is mainly static, the user's account information and the funds in the account are at risk, and the user experience is poor, so as to generate a dynamic information code, so that an information code is only used for one transaction, and the transaction is carried out in the form of digital currency, the user's fund risk in the transaction process is reduced, the transaction security is ensured, the application scenario of digital currency is expanded, and the user experience technical effect is improved.

[0190] Figure 6 An exemplary system architecture 600 of the digital currency-based transaction method or the digital currency-based transaction device to which the embodiment of the application can be applied is shown.

[0191] As Figure 6As shown, the system architecture 600 can include terminal devices 601, 602, 603, a network 604 and a server 605 (this architecture is merely an example, and the components included in the specific architecture can be adjusted according to the specific application).

[0192] The user can use the terminal devices 601, 602, 603 to interact with the server 605 through the network 604 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 601, 602, 603, such as payment applications, web browser applications, etc. (only as an example).

[0193] The terminal devices 601, 602, 603 can be various electronic devices with display screens and supporting web browsing, including but not limited to smartphones, tablet computers, laptop computers and desktop computers, etc.

[0194] The server 605 can be a server that provides various services, such as a server that processes transactions / data processing by the user using the terminal devices 601, 602, 603 (only as an example). The server can analyze and process the received transaction triggering event data, etc., and feed back the processing result (such as an information code - only as an example) to the terminal device.

[0195] It should be noted that the transaction method based on digital currency provided by the embodiments of the present application is generally executed by the server 605, and correspondingly, the transaction device based on digital currency is generally arranged in the server 605.

[0196] It should be understood that Figure 6 The number of terminal devices, networks and servers in the above-mentioned system architecture is merely illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.

[0197] The following refers to Figure 7 which shows a structural schematic diagram of a computer system 700 suitable for implementing the terminal device or server of the embodiments of the present application. Figure 7 The terminal device or server shown is merely an example, and should not bring any limitation to the functions and use range of the embodiments of the present application.

[0198] As Figure 7As shown, the computer system 700 includes a central processing unit (CPU) 701 which can perform various appropriate actions and processes according to programs stored in a read only memory (ROM) 702 or loaded into a random access memory (RAM) 703 from a storage section 708. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other through a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0199] Connected to the I / O interface 705 are an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a display device such as a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I / O interface 705 as necessary. A removable recording medium 711 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is attached to the drive 710 as necessary, so that a computer program read therefrom is installed into the storage section 708 as necessary.

[0200] In particular, the processes described above with reference to the flowcharts can be implemented as a computer software program according to the embodiments disclosed herein. For example, the embodiments disclosed herein include a computer program product comprising a computer program carried on a computer readable medium, the computer program comprising program code for performing the methods illustrated by the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via the communication section 709, and / or installed from the removable recording medium 711. When the computer program is executed by the central processing unit (CPU) 701, the above-described functions defined in the system of the present application are performed.

[0201] It should be noted that the computer-readable medium shown in the present application can be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may, for example, but is not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or component, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to, an electrical connection having one or more wires, a portable computer diskette, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present application, the computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, device or component. In the present application, the computer-readable signal medium can include a data signal carried in a baseband or as a part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to an electromagnetic signal, an optical signal or any suitable combination of the above. The computer-readable signal medium can also be any computer-readable medium other than the computer-readable storage medium, which can send, propagate or transmit a program for use by or in conjunction with an instruction execution system, device or component. The program code contained on the computer-readable medium can be transmitted by any suitable medium, including but not limited to wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0202] The flowcharts and block diagrams in the drawings illustrate the possible implementation architectures, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each block in the flowcharts or block diagrams can represent a module, a program segment or a part of code containing one or more executable instructions for implementing the specified logical functions. It should also be noted that in some alternative implementations, the functions noted in the blocks can occur in different order than that shown in the drawings. For example, two blocks that are shown in succession can actually be executed substantially in parallel, and sometimes in reverse order, depending on the functions involved. It should also be noted that each block in the block diagrams or flowcharts, and the combination of blocks in the block diagrams or flowcharts, can be implemented by a dedicated hardware-based system that performs the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0203] The modules described in the embodiments of the present application can be implemented in the form of software or hardware. The described modules can also be arranged in a processor, for example, a processor can be described as including an information code generation module and an information code display module. In some cases, the names of these modules do not constitute a limitation on the modules themselves, for example, the information code generation module can also be described as "a module for receiving a transaction trigger event of a payment user and generating an information code for a current transaction".

[0204] As another aspect, the present application also provides a computer readable medium, which can be included in the device described in the above embodiments, or can exist independently without being assembled into the device. The computer readable medium carries one or more programs, when the one or more programs are executed by the device, the device includes: a payment user terminal receiving a transaction trigger event of a payment user and generating an information code for a current transaction; displaying the information code in a display interface of the payment user terminal; wherein the information code includes payment information, the payment information includes a current transaction count code, a payment digital currency wallet identifier, and the information code is only used for one transaction; a collection user terminal scanning the information code in the display interface to obtain the payment information; generating transaction information according to the payment information, the collection information and the transaction amount, and sending the transaction information to a collection digital currency institution; the collection digital currency institution receiving the transaction information sent by the collection user terminal, and forwarding the transaction information to the payment digital currency institution; the payment digital currency institution receiving the transaction information, verifying the transaction information, and executing the current transaction if the verification is passed.

[0205] According to the technical scheme of the embodiment of the present application, the payer user terminal receives the transaction triggering event of the payer user, generates an information code for the current transaction, and displays the information code in the display interface of the payer user terminal. The information code includes the payer information and the first check information, the payer information includes the current transaction count code and the payer digital currency wallet identifier, and the information code is only used for one transaction. The payee user terminal scans the information code in the display interface to obtain the payer information. The transaction information is generated according to the payer information, the payee information, and the transaction amount, and is sent to the payee digital currency institution. The payee digital currency institution receives the transaction information sent by the payee user terminal, encrypts the symmetric key according to the first check information, forwards the transaction information to the payer digital currency institution, and receives the transaction information. The payer digital currency institution checks the transaction information, and executes the current transaction in the case of passing the check. Therefore, the existing transaction method is overcome. Since the generated two-dimensional code is mainly static, the user's account information and the funds in the account are at risk, and the user experience is poor. The technical problem is solved, and a dynamic information code is generated, so that an information code is only used for one transaction, and the transaction is carried out in the form of digital currency, which reduces the user's fund risk in the transaction process, ensures the transaction security, expands the application scene of digital currency, and improves the user experience technical effect.

[0206] The above specific embodiments do not constitute a limitation on the protection scope of the present application. 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 modification, equivalent replacement, and improvement within the spirit and principles of the present application should be included in the protection scope of the present application.

Claims

1. A method of a transaction based on a digital currency, characterized by, The method is applied to a payee user terminal, and the method comprises: receiving a transaction triggering event of a payee user and generating an information code for a current transaction; wherein the information code comprises payee information and first verification information, the payee information comprises a current transaction count code and a payee digital currency wallet identifier, and the information code is used for only one transaction; the step of receiving the transaction triggering event of the payee user and generating the information code for the current transaction comprises: in response to a transaction triggering event initiated by the payee user, generating an information code generation instruction by using a micro control unit in the payee user terminal and sending the information code generation instruction to a digital currency security chip in the payee user terminal; starting a digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing a local transaction count code to obtain a current transaction count code, and encrypting a symmetric key according to the first verification information, and generating the information code according to payee information comprising the current count code and the payee digital currency wallet identifier; displaying the information code in a display interface of the payee user terminal; so that: a payee user terminal scans the information code, obtains the payee information, generates transaction information according to the payee information, payee information and a transaction amount, and performs verification according to the first verification information, and in the case that the verification is passed, forwards the transaction information to a payee digital currency institution, re-verifies the transaction information by using the payee digital currency institution, and in the case that the re-verification is passed, executes the current transaction.

2. The method of claim 1, wherein, The information code generation instruction further comprises a micro control unit random number; the step of starting the digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing the local transaction count code to obtain the current transaction count code, and generating the information code according to the payee information comprising the current count code and the payee digital currency wallet identifier further comprises: verifying the micro control unit random number by using the digital currency security chip in response to the information code generation instruction; in the case that the verification is passed, incrementing the local transaction count code to obtain the current transaction count code, and generating the information code according to the payee information comprising the current count code and the payee digital currency wallet identifier.

3. The digital currency based transaction method according to claim 1 or 2, characterized in that, The payee information further comprises a payee business identifier.

4. The digital currency-based transaction method of claim 1, wherein, The method further comprises: setting a display time threshold, and terminating the display of the information code in the case that the display time of the information code exceeds the display time threshold.

5. A method of transaction based on digital currency, characterized by, The method is applied to a digital currency-based transaction system, and the method comprises: The payee user terminal receives a transaction triggering event of a payer user and generates an information code for a current transaction; wherein the information code comprises payee information and first check information, the payee information comprises a current transaction count code and a payee digital currency wallet identifier, and the information code is only used for one transaction; the steps of receiving the transaction triggering event of the payer user and generating the information code for the current transaction comprise: in response to a transaction triggering event initiated by the payer user, generating an information code generation instruction by using a micro control unit in the payee user terminal and sending the information code generation instruction to a digital currency security chip in the payee user terminal; starting a digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing a local transaction count code to obtain a current transaction count code, and encrypting a symmetric key according to the first check information, and generating the information code according to payee information comprising the current count code and the payee digital currency wallet identifier; displaying the information code in a display interface of the payee user terminal; so that: a payee user terminal scans the information code in the display interface to obtain the payee information; generating transaction information according to the payee information, payee information and transaction amount, and checking according to the first check information, and in the case of passing the check, sending the transaction information to a payee digital currency institution, and re-checking the transaction information by using the payee digital currency institution, and in the case of passing the re-checking, executing the current transaction; wherein the payee user terminal sends the transaction information to a payee digital currency institution; and the payee digital currency institution receives the transaction information sent by the payee user terminal and forwards the transaction information to a payee digital currency institution.

6. The method of claim 5, wherein, The information code generation instruction further comprises a micro control unit random number; the steps of starting a digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing a local transaction count code to obtain a current transaction count code, and encrypting a symmetric key according to the first check information, and generating the information code according to payee information comprising the current count code and the payee digital currency wallet identifier further comprise: verifying the micro control unit random number by using the digital currency security chip in response to the information code generation instruction; in the case of passing the verification, incrementing a local transaction count code to obtain a current transaction count code, and generating the information code according to payee information comprising the current count code and the payee digital currency wallet identifier.

7. The digital currency based transaction method of claim 5 or 6, wherein, The payee information further comprises a payee business identifier.

8. The method of claim 5, wherein, The method comprises: The payee user terminal sets a display time threshold, and terminates displaying the information code in the case that the display time of the information code exceeds the display time threshold.

9. The method of claim 5, wherein, The steps of receiving the transaction information, checking the transaction information, and executing the current transaction in the case of passing the check by the payee digital currency institution further comprise: The payee digital currency institution receives the transaction information, determines the payee account information according to the payee digital currency wallet identifier in the transaction information; If the current transaction count code in the transaction information is greater than the last transaction count code corresponding to the payee account, the identification is passed, the payee account is debited according to the transaction amount in the transaction information, and the debit result is sent to the payee digital currency institution, so that the payee digital currency structure increases the digital currency corresponding to the transaction amount in the payee account.

10. The method of claim 5, wherein, The payee digital currency institution receives the transaction information sent by the payee user terminal, and forwards the transaction information to the payee digital currency institution, and also includes: The payee digital currency institution receives the transaction information sent by the payee user terminal, and sends the transaction information to the interconnection platform; The interconnection platform receives the transaction information and forwards the transaction information to the payee digital currency institution.

11. A digital currency based transaction device, characterized by, The device is arranged in the payee user terminal, and the device includes: The information code generation module is used for receiving the transaction trigger event of the payee user and generating the information code for the current transaction; wherein the information code includes the payee information and the first verification information, the payee information includes the current transaction count code and the payee digital currency wallet identifier, and the information code is only used for one transaction; the steps of receiving the transaction trigger event of the payee user and generating the information code for the current transaction include: in response to the transaction trigger event initiated by the payee user, generating an information code generation instruction by using the micro control unit in the payee user terminal, and sending the information code generation instruction to the digital currency security chip in the payee user terminal; starting the digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing the local transaction count code to obtain the current transaction count code, and encrypting the symmetric key according to the first verification information, generating the information code according to the payee information including the current count code and the payee digital currency wallet identifier; The information code display module is used for displaying the information code in the display interface of the payee user terminal; so that the payee user terminal scans the information code, obtains the payee information, generates the transaction information according to the payee information, the payee information and the transaction amount, encrypts the symmetric key according to the first verification information, forwards the transaction information to the payee digital currency institution, and verifies the transaction information by using the payee digital currency institution, and executes the current transaction if the verification is passed.

12. A digital currency based transaction system characterized in that, The transaction system includes the payee user terminal, the payee user terminal, the payee digital currency institution, the interconnection platform, the payee digital currency institution, wherein, The payee user end is used for receiving a transaction trigger event of a payee and generating an information code for a current transaction; wherein the information code comprises payee information and first check information, the payee information comprises a current transaction count code and a payee digital currency wallet identifier, and the information code is used for only one transaction; the steps of receiving the transaction trigger event of the payee and generating the information code for the current transaction comprise: in response to a transaction trigger event initiated by the payee, generating an information code generation instruction by using a micro control unit in the payee user end and sending the information code generation instruction to a digital currency security chip in the payee user end; starting a digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing a local transaction count code to obtain a current transaction count code, and encrypting a symmetric key according to the first check information, and generating the information code according to payee information comprising the current count code and the payee digital currency wallet identifier; The payee user end is also used for displaying the information code in a display interface of the payee user end, so that the payee user end scans the information code in the display interface to obtain the payee information; generating transaction information according to the payee information, payee information and a transaction amount, and sending the transaction information to the payee digital currency institution, re-verifying the transaction information by using the payee digital currency institution, and executing the current transaction if the re-verification is passed. The payee user end sends the transaction information to a payee digital currency institution; the payee digital currency institution is used for receiving the transaction information sent by the payee user end and checking according to the first check information, and forwarding the transaction information to the payee digital currency institution if the check is passed.

13. The digital currency based transaction system of claim 12, wherein, The payee user end is also used for: In response to a transaction trigger event initiated by the payee, generating an information code generation instruction by using a micro control unit in the payee user end and sending the information code generation instruction to a digital currency security chip in the payee user end; Starting a digital currency application by using the digital currency security chip in response to the information code generation instruction, incrementing a local transaction count code to obtain a current transaction count code, and encrypting a symmetric key according to the first check information, and generating the information code according to payee information comprising the current count code and the payee digital currency wallet identifier.

14. The digital currency based transaction system of claim 12, wherein, The payee digital currency institution is also used for: Determining payee account information according to a payee digital currency wallet identifier in the transaction information; The method further comprises: checking whether the current transaction count code in the transaction information is greater than a last transaction count code corresponding to the payee account; if yes, identifying that the checking is passed, deducting the payee account according to the transaction amount in the transaction information, and sending a deduction result to the payee digital currency institution, so that the payee digital currency institution increases the digital currency corresponding to the transaction amount in the payee account.

15. The digital currency based transaction system of claim 12, wherein, The transaction system further comprises an interconnection platform, configured to: receive the transaction information sent by the payee digital currency institution, and forward the transaction information to the payee digital currency institution.

16. A digital currency based transaction electronic device, characterized by, comprise: one or more processors; a storage device configured 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 implement the method of any one of claims 1-4, 5-10.

17. A computer readable medium having stored thereon a computer program, characterized in that The program is executed by the processor to implement the method of any one of claims 1-4, 5-10.

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