Payment methods and devices for digital currencies

Abstract

This invention discloses a digital currency payment method and apparatus, relating to the field of digital currency technology. One specific embodiment of the method includes: establishing a communication connection with a payment device via near-field communication; once the communication connection is established, activating a payment chip in a payment state and acquiring the device's battery power; if the battery power is insufficient to support digital currency payment, powering the payment chip by generating electricity in the payment chip's antenna coil using the near-field communication alternating magnetic field of the payment device, thus enabling digital currency payment. This embodiment can power the payment chip's antenna coil using electricity generated by the near-field communication alternating magnetic field of the payment device when the mobile terminal's battery power is insufficient to support digital currency payment, thereby completing the digital currency payment and providing strong support for expanding the application scenarios of digital currency.

Description

Technical Field

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

[0002] With the gradual popularization of digital currencies, their application scenarios are increasing. One convenient payment method is to make digital currency payments through a digital currency wallet application installed on a mobile terminal. Currently, the security unit (SE) and the NFC chip in the communication unit of mobile terminals are powered by the mobile smart terminal's battery.

[0003] However, once the mobile device's battery is completely depleted, it becomes impossible to continue making cryptocurrency payments using the Secure Element (SE). Therefore, how to enable cryptocurrency payments using the SE even when the mobile device's battery is exhausted is a pressing technical problem that needs to be solved. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a digital currency payment method and apparatus that can power the payment chip antenna coil with electricity generated by the near-field communication alternating magnetic field of the receiving device when the battery power of the mobile terminal is insufficient to support digital currency payment, thereby completing the digital currency payment and providing strong support for the expansion of digital currency application scenarios.

[0005] To achieve the above objectives, according to one aspect of the present invention, a payment method for digital currency is provided.

[0006] A digital currency payment method, comprising:

[0007] Establish a communication connection with the payment device via near-field communication;

[0008] Once the communication connection is established, the payment chip enters the payment state and obtains the device's battery level.

[0009] In the event that the battery power is insufficient to support digital currency payments, the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, thereby enabling digital currency payments.

[0010] Optionally, the payment chip antenna coil has a power supply controller, and the power supply mode of the payment chip can be switched by controlling the switching state of the power supply controller.

[0011] Optionally, if the battery power is insufficient to support digital currency payments, the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, including:

[0012] When the battery power is insufficient to support digital currency payments, the power supply controller is turned on, and the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device.

[0013] Furthermore, the method also includes: when the battery power is sufficient to support digital currency payment, turning off the power supply controller and using the battery power to power the payment chip for digital currency payment.

[0014] Optionally, the payment chip includes a security unit and a near-field communication unit, wherein the security unit is used for secure payment and the near-field communication unit is used for establishing a communication connection with the payment receiving device.

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

[0016] A payment device for digital currency, comprising:

[0017] The connection establishment module is used to establish a communication connection with the payment device via near-field communication.

[0018] The power acquisition module is used to enable the payment chip to enter the payment state and acquire the device's battery power when the communication connection has been established.

[0019] The power supply payment module is used to power the payment chip by generating electricity in the antenna coil of the payment chip through the near-field communication alternating magnetic field of the payment device when the battery power is insufficient to support digital currency payment, so as to carry out digital currency payment.

[0020] Optionally, the payment chip antenna coil has a power supply controller, and the power supply mode of the payment chip can be switched by controlling the switching state of the power supply controller.

[0021] Optionally, the power supply payment module is further used for:

[0022] When the battery power is insufficient to support digital currency payments, the power supply controller is turned on, and the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device.

[0023] Furthermore, the power supply payment module is also used to: when the battery power is sufficient to support digital currency payment, turn off the power supply controller and use the battery power to power the payment chip to perform digital currency payment.

[0024] Optionally, the payment chip includes a security unit and a near-field communication unit, wherein the security unit is used for secure payment and the near-field communication unit is used for establishing a communication connection with the payment receiving device.

[0025] According to another aspect of the present invention, a payment electronic device for digital currency is provided.

[0026] A digital currency payment electronic device includes: one or more processors; and a storage device for storing one or more programs, which, when executed by the one or more processors, enable the one or more processors to implement the digital currency payment method provided in the embodiments of the present invention.

[0027] According to another aspect of the present invention, a computer-readable medium is provided.

[0028] A computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the digital currency payment method provided in the embodiments of the present invention.

[0029] One embodiment of the above invention has the following advantages or beneficial effects: It establishes a communication connection with the payment device via near-field communication; once the communication connection is established, the payment chip enters the payment state and acquires the device's battery power; if the battery power is insufficient to support digital currency payments, the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, thus enabling digital currency payments. This allows for power supply to the payment chip's antenna coil even when the mobile terminal's battery power is insufficient, completing the digital currency payment. Furthermore, by installing a power supply controller on the payment chip, the power supply mode of the payment chip can be controlled, making power supply mode switching more flexible and convenient. When the device's battery power is sufficient for digital currency payments, the battery is used for power supply; when the battery power is insufficient, the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device is used for power supply, ensuring the completion of payments and providing strong support for expanding the application scenarios of digital currency.

[0030] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0031] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0032] Figure 1 This is a schematic diagram illustrating the main steps of a digital currency payment method according to an embodiment of the present invention;

[0033] Figure 2 This is a flowchart of a digital currency payment method according to an embodiment of the present invention;

[0034] Figure 3 This is a schematic diagram of the payment steps for digital currency according to an embodiment of the present invention;

[0035] Figure 4 This is a schematic diagram of the payment process of digital currency according to an embodiment of the present invention;

[0036] Figure 5 This is a schematic diagram of the main modules of a digital currency payment device according to an embodiment of the present invention;

[0037] Figure 6 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0038] Figure 7 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0039] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0040] To address the technical problems existing in the prior art, the present invention provides a digital currency payment method and apparatus, which can power the payment chip antenna coil with electricity generated by the near-field communication alternating magnetic field of the receiving device when the battery power of the mobile terminal is insufficient to support digital currency payment, thereby completing the digital currency payment.

[0041] Figure 1 This is a schematic diagram illustrating the main steps of a digital currency payment method according to an embodiment of the present invention. Figure 1 As shown, the digital currency payment method of this invention mainly includes the following steps S101 to S103.

[0042] Step S101: Establish a communication connection with the payment device via near-field communication;

[0043] Step S102: If the communication connection has been established, put the payment chip into payment mode and obtain the device's battery level;

[0044] Step S103: If the battery power is insufficient to support digital currency payment, the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, so as to make digital currency payment.

[0045] According to one embodiment of the present invention, the payment chip antenna coil has a power supply controller, and the power supply mode of the payment chip is switched by controlling the switching state of the power supply controller.

[0046] According to one embodiment of the present invention, when the battery power is insufficient to support digital currency payment, the payment chip is powered by the power generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, including: when the battery power is insufficient to support digital currency payment, turning on the power supply controller, and powering the payment chip by the power generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device;

[0047] Furthermore, the digital currency payment method may also include: when the battery power is sufficient to support digital currency payment, turning off the power supply controller and using the battery power to power the payment chip for digital currency payment.

[0048] According to another embodiment of the present invention, the payment chip includes a security unit and a near-field communication unit, the security unit being used for secure payment, and the near-field communication unit being used for establishing a communication connection with a payment receiving device.

[0049] The digital currency payment method of this invention can power the payment chip's antenna coil with electricity generated by the near-field communication alternating magnetic field of the receiving device when the mobile terminal's battery power is insufficient to support digital currency payments, thus completing the digital currency payment. Furthermore, by installing a power supply controller on the payment chip, the power supply mode of the payment chip can be controlled, making the switching of power supply modes more flexible and convenient. When the device's battery power is sufficient for digital currency payments, the battery is used for power; when the battery power is insufficient, the electricity generated by the near-field communication alternating magnetic field of the receiving device on the payment chip's antenna coil is used for power, ensuring the completion of the payment and providing strong support for expanding the application scenarios of digital currency.

[0050] Figure 2 This is a flowchart of a digital currency payment method according to an embodiment of the present invention. (In conjunction with...) Figure 2 The present invention describes a specific implementation of a digital currency payment method according to embodiments of the present invention, including:

[0051] Step S201: Install a power supply controller on the antenna coil of the payment chip. The payment chip may include, for example, a Near Field Communication (NFC) chip and a Security Element (SE) chip, which can also be packaged together as a single chip. The antenna coil can be the antenna coil of the NFC chip or the antenna coil of the single chip, but in general, it is the antenna coil of the payment chip. NFC, or Near Field Communication, allows devices (such as mobile phones) to exchange data when they are close to each other. It evolved from contactless RFID and interconnection technologies. By integrating inductive card readers, inductive cards, and peer-to-peer communication functions onto a single chip, it enables mobile payments, electronic ticketing, access control, mobile identity verification, anti-counterfeiting, and other applications using mobile terminals. SE, or Secure Element, is a security module.

[0052] Step S202: Each time the mobile smart terminal carrying the payment chip is in card emulation mode for payment, it taps against the receiving device, and the NFC chip system actively obtains the battery's power status. Tap to pay is a new UnionPay payment method based on the NFC module of mobile smart terminals such as smartphones, smart bracelets, or watches, and UnionPay's tag payment technology, enabling mobile smart terminals to unlock and pay with a single tap. Card emulation, this mode is essentially equivalent to an IC card using RFID technology, and can replace a large number of IC cards (including credit cards) in various situations such as shopping malls, public transport cards, access control, tickets, etc. A significant advantage is that even if the host device is not powered, the card can be powered by the RF domain of the contactless card reader.

[0053] Step S203: If the mobile smart terminal battery has power, the power required for paying digital currency through the payment chip (including the security unit SE and NFC chip) carried by it is powered by the battery. If the power supply controller of the antenna coil of the payment chip is in the open state at this time, it is triggered to turn off.

[0054] In step S204, if the mobile smart terminal's battery is dead, the power supply controller of the payment chip's antenna coil is activated. The electricity generated in the antenna coil by the 13.56MHz reference frequency sine wave of the NFC alternating magnetic field of the receiving device is used to power the payment chip (including the NFC chip and the security unit SE), ensuring sufficient power for digital currency payments. The specific frequency of the NFC alternating magnetic field is not limited to the 13.56MHz reference frequency and can be other frequencies, depending on the specific scenario.

[0055] Figure 3 This is a schematic diagram illustrating the payment steps of digital currency according to an embodiment of the present invention. Figure 3As shown, the payment steps for digital currency in this embodiment of the invention include:

[0056] Step S301: Enter the amount of digital currency to be received on the digital currency POS receiving side;

[0057] Step S302: The payer's mobile smart terminal carrying the payment chip taps with the digital currency POS to establish a near-field communication connection and prepare for payment.

[0058] In step S303, the payer's mobile smart terminal is in card emulation mode and ready to make payment, and the NFC chip system actively obtains the battery power status.

[0059] Step S304: If the mobile smart terminal battery has power, the power for the payment of digital currency through its security unit SE and NFC chip is powered by the battery. If the payment chip antenna coil power supply controller is in the open state at this time, it will be triggered to turn off.

[0060] In step S305, if the mobile smart terminal battery is out of power, the payment chip antenna coil power supply controller is triggered to turn on. The power generated by the 13.56MHz reference frequency sine wave of the NFC alternating magnetic field of the receiving device in the antenna coil is used to power the NFC chip and the security unit SE, so as to meet the power supply for continued payment.

[0061] Step S306: After exchanging certificates and verifying their identities, both the payer and payee exchange digital currency.

[0062] Figure 4 This is a schematic diagram of the payment process for digital currency according to an embodiment of the present invention. Figure 4 As shown, in this embodiment, the payment chip is divided into two parts according to specific functional implementation: an NFC chip and a security unit (SE), and the antenna coil of the payment chip is the same as that of the NFC chip. The digital currency payment process of this embodiment mainly includes:

[0063] Step S401: The digital currency POS receiving side initiates a payment collection.

[0064] In step S402, the NFC chip system establishes a near-field communication connection by tapping with the digital currency POS terminal and receives the field strength. The NFC chip system refers to the control system corresponding to the NFC chip located in the mobile smart terminal.

[0065] Step S403: The NFC chip system obtains the battery status of the mobile smart terminal.

[0066] Step S404: If the mobile smart terminal battery has power, determine whether the NFC chip antenna coil power supply controller is in the on state. If so, trigger it to turn off and then execute step S406; otherwise, execute step S406 directly.

[0067] Step S405: If the mobile smart terminal battery is dead, the NFC chip antenna coil power supply controller is turned on. The power generated by the 13.56MHz reference frequency sine wave of the NFC alternating magnetic field of the receiving device in the antenna coil is used to power the NFC chip and the security unit SE to meet the power supply for continued payment.

[0068] Step S406: After exchanging certificates and verifying their identities, the payer and payee use the security unit SE to make digital currency payments.

[0069] Step S407, Digital Currency POS Payment Collection.

[0070] The digital currency payment method according to embodiments of the present invention can power the payment chip's antenna coil with electricity generated by the near-field communication alternating magnetic field of the receiving device when the mobile terminal's battery power is insufficient to support digital currency payments, thus completing the digital currency payment. Furthermore, by installing a power supply controller on the payment chip, the power supply mode of the payment chip can be controlled, making the switching of power supply modes more flexible and convenient. When the device's battery power is sufficient for digital currency payments, the battery is used for power supply; when the battery power is insufficient, the electricity generated by the near-field communication alternating magnetic field of the receiving device on the payment chip's antenna coil is used for power supply, ensuring the completion of the payment and providing strong support for expanding the application scenarios of digital currency.

[0071] Figure 5 This is a schematic diagram of the main modules of a digital currency payment device according to an embodiment of the present invention. Figure 5 As shown, the digital currency payment device 500 of this embodiment mainly includes a connection establishment module 501, a power acquisition module 502, and a power supply payment module 503.

[0072] The connection establishment module 501 is used to establish a communication connection with the payment device via near-field communication.

[0073] The power acquisition module 502 is used to enable the payment chip to enter the payment state and acquire the battery power of the device when the communication connection has been established.

[0074] The power supply payment module 503 is used to power the payment chip by generating electricity in the antenna coil of the payment chip through the near-field communication alternating magnetic field of the payment device when the battery power is insufficient to support digital currency payment, so as to carry out digital currency payment.

[0075] According to one embodiment of the present invention, the payment chip antenna coil has a power supply controller, and the power supply mode of the payment chip is switched by controlling the switching state of the power supply controller.

[0076] According to another embodiment of the present invention, the power supply payment module 503 can also be used for:

[0077] When the battery power is insufficient to support digital currency payments, the power supply controller is turned on, and the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device.

[0078] Furthermore, the power supply payment module 503 can also be used for:

[0079] When the battery power is sufficient to support digital currency payments, the power supply controller is turned off, and the payment chip is powered by the battery power to make digital currency payments.

[0080] According to another embodiment of the present invention, the payment chip includes a security unit and a near-field communication unit, the security unit being used for secure payment, and the near-field communication unit being used for establishing a communication connection with a payment receiving device.

[0081] According to the technical solution of this invention, a communication connection is established with the payment device via near-field communication. Once the communication connection is established, the payment chip enters a payment state and acquires the device's battery power. If the battery power is insufficient to support digital currency payments, the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, thus enabling digital currency payments. This allows for power supply to the payment chip's antenna coil even when the mobile terminal's battery power is insufficient, completing the digital currency payment. Furthermore, by installing a power supply controller on the payment chip, the power supply mode of the payment chip can be controlled, making power supply mode switching more flexible and convenient. When the device's battery power is sufficient for digital currency payments, the battery is used for power supply; when the battery power is insufficient, the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device is used for power supply, ensuring payment completion and providing strong support for expanding the application scenarios of digital currency.

[0082] Figure 6 An exemplary system architecture 600 is shown for a digital currency payment method or a digital currency payment device to which embodiments of the present invention can be applied.

[0083] like Figure 6 As shown, system architecture 600 may include terminal devices 601, 602, and 603, a network 604, and a server 605. Network 604 serves as the medium for providing communication links between terminal devices 601, 602, and 603 and server 605. Network 604 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0084] Users can use terminal devices 601, 602, and 603 to interact with server 605 via network 604 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 601, 602, and 603, such as digital currency applications, commercial banking applications, digital currency wallet applications, etc. (for example only).

[0085] Terminal devices 601, 602, and 603 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0086] Server 605 can be a server providing various services, such as a backend management server supporting payment requests sent by users using terminal devices 601, 602, and 603 (for example only). The backend management server can establish a communication connection with the receiving device via near-field communication (NFC) to process the received payment requests and other data. Once the communication connection is established, the payment chip enters payment mode and obtains the device's battery power. If the battery power is insufficient to support digital currency payments, the payment chip is powered by the electricity generated in the antenna coil of the payment chip through the alternating magnetic field of the near-field communication of the receiving device, enabling digital currency payment processing, and the processing result (e.g., digital currency payment result – for example only) is fed back to the terminal device.

[0087] It should be noted that the digital currency payment method provided in this embodiment of the invention is generally executed by server 605, and correspondingly, the digital currency payment device is generally set in server 605.

[0088] It should be understood that Figure 6 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0089] The following is for reference. Figure 7 It shows a schematic diagram of the structure of a computer system 700 suitable for implementing terminal devices or servers of the present invention. Figure 7 The terminal device or server shown is merely an example and should not impose any limitation on the functionality and scope of use of the embodiments of the present invention.

[0090] like Figure 7As shown, the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 702 or programs loaded from storage section 708 into random access memory (RAM) 703. The RAM 703 also stores various programs and data required for the operation of the system 700. The CPU 701, ROM 702, and RAM 703 are interconnected via a bus 704. An input / output (I / O) interface 705 is also connected to the bus 704.

[0091] The following components are connected to the I / O interface 705: an input section 706 including a keyboard, mouse, etc.; an output section 707 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, 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, 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 needed. A removable medium 711, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on the drive 710 as needed so that computer programs read from it can be installed into the storage section 708 as needed.

[0092] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 709, and / or installed from removable medium 711. When the computer program is executed by central processing unit (CPU) 701, it performs the functions defined above in the system of this invention.

[0093] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0094] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0095] The units or modules described in the embodiments of the present invention can be implemented in software or hardware. The described units or modules can also be housed in a processor; for example, a processor can be described as including a connection establishment module, a power acquisition module, and a power payment module. The names of these units or modules do not necessarily limit the specific unit or module itself; for example, a connection establishment module can also be described as "a module for establishing a communication connection with a payment device via near-field communication."

[0096] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to: establish a communication connection with a payment device via near-field communication;, when the communication connection is established, cause the payment chip to enter a payment state and obtain the device's battery power; and, if the battery power is insufficient to support digital currency payment, power the payment chip by the electricity generated in the payment chip's antenna coil by the near-field communication alternating magnetic field of the payment device, thereby performing digital currency payment.

[0097] According to the technical solution of this invention, a communication connection is established with the payment device via near-field communication. Once the communication connection is established, the payment chip enters a payment state and acquires the device's battery power. If the battery power is insufficient to support digital currency payments, the payment chip is powered by the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device, thus enabling digital currency payments. This allows for power supply to the payment chip's antenna coil even when the mobile terminal's battery power is insufficient, completing the digital currency payment. Furthermore, by installing a power supply controller on the payment chip, the power supply mode of the payment chip can be controlled, making power supply mode switching more flexible and convenient. When the device's battery power is sufficient for digital currency payments, the battery is used for power supply; when the battery power is insufficient, the electricity generated in the antenna coil of the payment chip by the near-field communication alternating magnetic field of the payment device is used for power supply, ensuring payment completion and providing strong support for expanding the application scenarios of digital currency.

[0098] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A payment method for digital currency, characterized in that, include: When a mobile smart terminal carrying a payment chip is in card emulation mode and making a payment, it establishes a communication connection with the payment receiving device through a near-field communication unit. With the communication connection established, the payment chip enters the payment state, and the NFC chip system corresponding to the near-field communication unit of the mobile smart terminal obtains the device's battery level. The power supply mode of the payment chip is switched by controlling the switching state of the power supply controller of the payment chip antenna coil. When the battery power is sufficient to support digital currency payment, the power supply controller is turned off and the payment chip is powered by the battery power; when the battery power is insufficient to support digital currency payment, the power supply controller is turned on and the payment chip is powered by the power generated by the near-field communication alternating magnetic field of the payment device in the payment chip antenna coil. After exchanging certificates with the payment device to authenticate the identity, digital currency payments are made through the security unit in the payment chip. The payment chip includes a near-field communication unit and a security unit. The antenna coil of the payment chip is the antenna coil of the near-field communication unit, or the antenna coil of the near-field communication unit and the security unit are packaged together into a single chip.

2. A payment device for digital currency, characterized in that, include: The connection establishment module is used to establish a communication connection with the payment receiving device through the near-field communication unit when the mobile smart terminal carrying the payment chip is in card emulation mode and making a payment. The power acquisition module is used to enable the payment chip to enter the payment state when the communication connection has been established, and the NFC chip system corresponding to the near field communication unit of the mobile smart terminal acquires the battery power of the device. The power supply payment module is used to switch the power supply mode of the payment chip by controlling the on / off state of the power supply controller of the payment chip antenna coil. When the battery power is sufficient to support digital currency payment, the power supply controller is turned off, and the payment chip is powered by the battery power; when the battery power is insufficient to support digital currency payment, the power supply controller is turned on, and the payment chip is powered by the electricity generated by the near-field communication alternating magnetic field of the payment device on the payment chip antenna coil. After exchanging certificates with the payment device and authenticating the identity, digital currency payment is performed through the security unit in the payment chip. The payment chip includes a near-field communication unit and a security unit. The antenna coil of the payment chip is either the antenna coil of the near-field communication unit or the antenna coil of the near-field communication unit and the security unit packaged together into a single chip.

3. A payment electronic device for digital currency, characterized in that, include: One or more processors; A storage device for storing one or more programs that, when executed by one or more processors, cause the one or more processors to perform the method as described in claim 1.

4. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in claim 1.

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