A digital currency wallet payment method, device and system

Abstract

The application discloses a digital currency wallet payment method, device and system, wherein the method comprises the following steps: a first digital currency wallet and a second digital currency wallet carry out a transaction, and the second digital currency wallet receives a transaction element sent by the first digital currency wallet; the second digital currency wallet judges whether the first digital currency wallet information is stored locally according to the transaction element; if yes, the transaction is executed; otherwise, the first digital currency wallet identity is verified according to the transaction element; if the verification is passed, the transaction is executed; otherwise, the transaction is terminated. By adopting the technical scheme, the information of the digital currency wallet which has passed the identity verification is stored in the second digital currency wallet; when the transaction occurs again, the digital currency wallet which stores the corresponding identity information does not need to be verified again, the waiting time is saved, and the user experience is improved.

Description

Technical Field

[0001] This invention relates to the field of computer information processing, and more specifically, to a digital currency wallet payment method, apparatus, and system. Background Technology

[0002] Digital currency is a form of money that converts cash into a series of electronically encrypted sequences. The security of the currency itself relies on cryptographic algorithms for protection. In terms of cryptographic algorithms, the security of digital currency systems involves symmetric cryptography, asymmetric cryptography, message digest algorithms, and identity-based cryptography. System implementation must deeply consider the overall security of the cryptographic system, the selection of cryptographic algorithms, the implementation of cryptographic algorithms, the design of interaction protocols, and compatibility with international and domestic standards to ensure the security of digital currency transactions.

[0003] The People's Bank of China has also launched the digital form of legal tender, the digital yuan, which is equivalent to paper money and coins, has value characteristics and legal tender status, supports controlled anonymity, and is gradually being applied to various transaction scenarios in life.

[0004] When a transaction occurs, after receiving the offline payment initialization instruction, the payer's digital currency wallet sends the payer's digital currency wallet identity information to the payee's digital currency wallet. The payee verifies the payer's identity information, and after successful verification, executes the subsequent transaction operations.

[0005] However, in actual use, the receiving digital currency wallet has limited computing power. Each time a transaction occurs, the identity information of the receiving digital currency wallet needs to be verified, which requires a certain waiting time and affects the user experience. Summary of the Invention

[0006] This invention aims to solve the problem that existing digital currency transactions require verification of the payer's digital currency wallet identity information every time a transaction occurs, resulting in long waiting times and a poor user experience.

[0007] To address the aforementioned technical problems, the first aspect of this invention proposes a digital currency wallet payment method, the method comprising:

[0008] A transaction occurs between the first digital currency wallet and the second digital currency wallet, and the second digital currency wallet receives the transaction details sent by the first digital currency wallet.

[0009] The second digital currency wallet determines whether the first digital currency wallet information is stored locally based on the transaction elements; if so, it executes the transaction.

[0010] Otherwise, the identity of the first digital currency wallet is verified according to the transaction elements. If the verification is successful, the transaction is executed; otherwise, the transaction is terminated.

[0011] According to a preferred embodiment of the present invention, the transaction elements include a wallet ID, a key, and a certificate associated with a first digital currency wallet.

[0012] According to a preferred embodiment of the present invention, the second digital currency wallet is provided with an identity trusted storage unit, which stores the transaction elements of the digital currency wallet that have been authenticated.

[0013] According to a preferred embodiment of the present invention, the identity trusted storage unit is a storage medium that is not lost when power is off.

[0014] According to a preferred embodiment of the present invention, if the identity trusted storage unit has already stored the transaction elements of the first digital currency wallet, after the transaction is successful, the weight value of the transaction elements of the first digital currency wallet stored in the identity trusted storage unit is increased by 1.

[0015] According to a preferred embodiment of the present invention, verifying the identity of the first digital currency wallet based on the transaction elements, and executing the transaction if the verification is successful, further includes:

[0016] After successful verification, the transaction elements of the first digital currency wallet are stored in the trusted identity storage unit.

[0017] According to a preferred embodiment of the present invention, after successful verification, storing the transaction elements of the first digital currency wallet into the trusted identity storage unit specifically includes:

[0018] Determine if the storage space of the trusted identity storage unit is full;

[0019] If the storage space is not full, find an empty space from front to back and save the transaction elements of the first digital currency wallet;

[0020] If the storage space is full, replace the transaction elements of the earliest saved digital currency wallet with the transaction elements of the first digital currency wallet with the smallest weight value.

[0021] A second aspect of the present invention provides a digital currency wallet payment device, the device comprising:

[0022] The transaction element receiving module is used for transactions between the first digital currency wallet and the second digital currency wallet, whereby the second digital currency wallet receives the transaction elements sent by the first digital currency wallet.

[0023] The transaction element lookup module is used by the second digital currency wallet to determine whether the first digital currency wallet information is stored locally based on the transaction element; if so, the transaction is executed.

[0024] The transaction element verification module is used to verify the identity of the first digital currency wallet based on the transaction elements when the first digital currency wallet information is not stored locally. If the verification is successful, the transaction is executed; otherwise, the transaction is terminated.

[0025] A third aspect of this invention provides a digital currency wallet payment system, comprising:

[0026] Storage unit, used to store computer executable programs;

[0027] The processing unit is used to read the computer-executable program in the storage unit to execute the digital currency wallet payment method.

[0028] A fourth aspect of the present invention provides a computer-readable medium for storing a computer-readable program for executing the digital currency wallet payment method.

[0029] Using this technical solution, the information of a digital currency wallet that has already been verified will be stored in a second digital currency wallet. When a transaction occurs again, the digital currency wallet storing the corresponding identity information does not need to be verified again, saving waiting time and improving user experience. Attached Figure Description

[0030] To make the technical problems solved by this invention, the technical means adopted, and the technical effects achieved clearer, specific embodiments of this invention will be described in detail below with reference to the accompanying drawings. However, it should be noted that the drawings described below are merely drawings of exemplary embodiments of this invention. Those skilled in the art can obtain drawings of other embodiments based on these drawings without any creative effort.

[0031] Figure 1 This is a flowchart illustrating a digital currency wallet payment method according to an embodiment of the present invention;

[0032] Figure 2 This is a flowchart illustrating the process of conducting transactions using a digital currency wallet;

[0033] Figure 3 This is a schematic diagram of the structure of a digital currency wallet payment device according to an embodiment of the present invention;

[0034] Figure 4 This is a schematic diagram of the structural framework of the machine learning-based digital resource processing system in an embodiment of the present invention;

[0035] Figure 5 This is a schematic diagram of the structure of a computer-readable storage medium in an embodiment of the present invention. Detailed Implementation

[0036] Exemplary embodiments of the invention will now be described more fully with reference to the accompanying drawings. While these exemplary embodiments can be implemented in various specific ways, they should not be construed as limiting the invention to the embodiments set forth herein. Rather, these exemplary embodiments are provided to make the content of the invention more complete and to facilitate a full communication of the inventive concept to those skilled in the art.

[0037] Subject to the inventive concept, the structures, performance, effects or other features described in a particular embodiment may be combined in any suitable manner with one or more other embodiments.

[0038] In the description of specific embodiments, detailed descriptions of structures, performance, effects, or other features are provided to enable those skilled in the art to fully understand the embodiments. However, this does not preclude those skilled in the art from implementing the present invention with technical solutions that do not contain the aforementioned structures, performance, effects, or other features under specific circumstances.

[0039] The flowcharts in the accompanying drawings are merely illustrative examples and do not imply that the solution of this invention must include all the content, operations, and steps shown in the flowcharts, nor do they imply that the execution must be performed in the order shown in the diagrams. For example, some operations / steps in the flowcharts can be decomposed, some operations / steps can be combined or partially combined, etc. Without departing from the inventive spirit of this invention, the execution order shown in the flowcharts can be changed according to the actual situation.

[0040] The box in the attached diagram Figure 1 Generally, these refer to functional entities, and do not necessarily correspond to physically independent entities. That is, these functional entities can be implemented in software, in one or more hardware modules or integrated circuits, or in different network and / or processing unit devices and / or microcontroller devices.

[0041] The same reference numerals in the accompanying drawings denote the same or similar elements, components, or parts, and therefore, repeated descriptions of the same or similar elements, components, or parts may be omitted below. It should also be understood that although terms such as first, second, third, etc., indicating numbers may be used herein to describe various devices, elements, components, or parts, these devices, elements, components, or parts should not be limited by these terms. That is, these terms are only used to distinguish one from another. For example, a first device may also be referred to as a second device, without departing from the essential technical solution of the invention. Furthermore, the terms "and / or" and "and / or" refer to all combinations including any one or more of the listed items.

[0042] The term "digital currency" as used in this invention refers to currency in digital form. Here, "currency" refers to currency in the true sense, not tokens. In other words, currency is a contract between owners regarding the right to exchange, based on a certain credit foundation, which can be sovereign information or collective credit. The technical solution of this invention based on "digital currency" specifically refers to "currency" based on national sovereign information, such as the digital yuan. However, this invention does not limit its application to virtual digital currencies based on other credit foundations, such as Bitcoin.

[0043] It is important to note that the "digital currency" referred to in this invention is fundamentally different from third-party electronic payment. "Digital currency" is real money, while the latter is merely a payment tool that displays bills and balances, not money itself.

[0044] In this invention, "digital currency" is stored in a "digital currency wallet" and used for payments. Therefore, the "digital currency wallet" referred to in this invention refers to a tool for storing and paying for digital currency, which can be software, hardware, or other forms. However, while a "digital currency wallet" should have both storage and payment functions, in practice it can be implemented by sub-devices or modules, each of which can partially implement either storage or payment functions. For example, a digital currency wallet at a subway entrance may only implement partial payment functions and needs to cooperate with a digital currency wallet at the subway exit to achieve a complete "digital currency wallet." The "digital currency wallet" referred to in this invention encompasses both fully and partially implemented "digital currency wallets" in software, apps, or hardware devices.

[0045] It should be noted that the "digital currency wallet" of this invention does not include any so-called "wallet" of third-party payment tools. It is a wallet that can truly realize the storage and payment of currency, and does not merely borrow the concept of "wallet" to indicate a certain formal similarity.

[0046] Figure 1 This is a flowchart illustrating a digital currency wallet payment method according to the present invention, as shown below. Figure 1 As shown. This invention aims to solve the problem of long waiting times and poor user experience during digital currency transactions. This invention provides a digital currency wallet payment method, the method comprising:

[0047] S101, A transaction occurs between the first digital currency wallet and the second digital currency wallet, and the second digital currency wallet receives the transaction elements sent by the first digital currency wallet.

[0048] In this embodiment, the first digital currency wallet is the payer, and the second digital currency wallet is the payee. In other embodiments, the first digital currency wallet can be the payee, and the second digital currency wallet can be the payer.

[0049] The process of using a digital currency wallet for transactions is as follows: Figure 2 As shown, the specific process is as follows:

[0050] S201. A transaction occurs when the payer enters the amount in their digital currency wallet and initiates the payment.

[0051] S202. Send your own information to the payee, including hardware ID, key, certificate, etc.

[0052] S203. The payee verifies the identity of the payer based on the received payer information. If successful, proceed to S206; otherwise, proceed to S204.

[0053] S204. Identity verification failed, payer's wallet is abnormal, transaction terminated and feedback information sent to payer.

[0054] S205. The payer receives feedback information, and the transaction is terminated.

[0055] S206. Identity verification passed, the payee sends its own identity information to the payer;

[0056] S207. The payer verifies the identity of the payee based on the received payee information. If successful, proceed to S210; otherwise, proceed to S208.

[0057] S208. Identity verification failed, recipient's wallet is abnormal, transaction terminated and information is sent to recipient;

[0058] S209. The recipient receives feedback information, and the transaction is terminated.

[0059] S210 authentication passed, expenditure voucher generated and sent;

[0060] S211. The payee verifies the payment voucher. If it passes, proceed to S214; otherwise, proceed to S212.

[0061] S212. If the payment voucher fails to be verified, the transaction is terminated and the information is sent back to the payer.

[0062] S213. The payer receives feedback information, and the transaction is terminated.

[0063] S214. Once the payment voucher is verified and the payment is received, a transaction receipt is sent to the payer.

[0064] S215. The payer receives the transaction receipt, and the payment is completed.

[0065] Based on the above technical solution, the transaction elements further include a wallet ID, key, and certificate associated with the first digital currency wallet.

[0066] In this implementation, each digital currency wallet has a unique wallet ID. The wallet ID is unique and serves as the receiving address during transactions, similar to a user's bank card number for online transactions. This wallet ID allows for accurate and specific identification of the digital currency terminal.

[0067] In this implementation, transaction elements include a wallet ID, a key, and a certificate associated with the digital currency wallet. The wallet ID is the transaction address, which is unique and can accurately locate the terminal participating in the transaction. The key and certificate are used to verify the legality and security of the transaction, ensuring the security of both parties. Using these transaction elements ensures the security and uniqueness of the transaction, preventing it from being compromised and resulting in fraudulent transactions.

[0068] In this implementation, verifying a user's identity information requires calculating data such as wallet ID, key, and certificate. Since the computing power of the digital currency wallet itself is limited, it takes a certain amount of time to complete the verification process, which does not provide a good user experience.

[0069] S102. The second digital currency wallet determines whether the first digital currency wallet information is stored locally based on the transaction elements. If so, the transaction is executed.

[0070] Based on the above technical solution, the second digital currency wallet further includes an identity trusted storage unit, which stores transaction elements of verified digital currency wallets. When a transaction occurs, the second digital currency wallet searches for transaction elements of verified digital currency wallets stored locally. Since wallet IDs are unique, in this embodiment, the search is performed using the wallet ID as the search element. If a matching wallet ID is found, it indicates that the digital currency wallet has been verified, eliminating the need for further verification through computation, thus saving time.

[0071] In this embodiment, the transaction elements of other currency wallets stored in the second digital currency wallet can be the transaction elements of digital currency wallets that are frequently encountered when the second digital currency wallet is generated, such as the transaction elements of digital currency wallets of China Mobile, China Unicom, China National Petroleum Corporation, Sinopec, etc.

[0072] Based on the above technical solution, the identity trusted storage unit is a storage medium that does not lose data when power is off.

[0073] In this embodiment, using a non-volatile storage medium can better preserve data, avoid data loss due to power outages, and enhance system stability.

[0074] Based on the above technical solution, further, if the identity trusted storage unit has already stored the transaction elements of the first digital currency wallet, after the transaction is successful, the weight value of the transaction elements of the first digital currency wallet stored in the identity trusted storage unit is increased by 1.

[0075] In this embodiment, if the transaction elements of the first digital currency wallet have been stored in the identity trusted storage unit of the second digital currency wallet, then when the transaction is completed, the weight value corresponding to the first digital currency wallet is incremented by 1. The larger the weight value, the more transactions there are and the greater the likelihood that the user will use it.

[0076] S103. Otherwise, verify the identity of the first digital currency wallet according to the transaction elements. If the verification is successful, execute the transaction; otherwise, terminate the transaction.

[0077] Based on the above technical solution, further, verifying the identity of the first digital currency wallet according to the transaction elements, and executing the transaction if the verification is successful, further includes:

[0078] After successful verification, the transaction elements of the first digital currency wallet are stored in the trusted identity storage unit.

[0079] In this implementation, if the payer's transaction details are not stored in the trusted identity storage unit, the payer's identity needs to be verified according to the normal procedure. Once verified, the transaction is executed. The verified payer's transaction details are then stored in the trusted identity storage unit for future verification of the user's identity.

[0080] Based on the above technical solution, further, after successful verification, storing the transaction elements of the first digital currency wallet in the trusted identity storage unit specifically includes:

[0081] Determine if the storage space of the trusted identity storage unit is full;

[0082] If the storage space is not full, find an empty space from front to back and save the transaction elements of the first digital currency wallet;

[0083] If the storage space is full, replace the transaction elements of the earliest saved digital currency wallet with the transaction elements of the first digital currency wallet with the smallest weight value.

[0084] In this implementation, since the storage capacity of the trusted identity storage unit is limited and cannot be unlimited, when new digital currency wallet transaction elements need to be stored, it is first determined whether the trusted identity storage unit is full. If it is not full, an empty space is searched sequentially from the beginning to the end for storage. If the storage is full, the elements are sorted according to their weight and storage time, and transaction elements of digital currency wallets with lower weight and earlier storage time are replaced first.

[0085] Figure 3 This is a digital currency wallet payment device disclosed in one embodiment of the present invention, such as... Figure 3 As shown, the present invention provides a digital currency wallet payment device 300, comprising:

[0086] The transaction element receiving module 301 is used for transactions between the first digital currency wallet and the second digital currency wallet, whereby the second digital currency wallet receives the transaction elements sent by the first digital currency wallet.

[0087] In this embodiment, the first digital currency wallet is the payer, and the second digital currency wallet is the payee. In other embodiments, the first digital currency wallet can be the payee, and the second digital currency wallet can be the payer.

[0088] Based on the above technical solution, the transaction elements further include a wallet ID, key, and certificate associated with the first digital currency wallet.

[0089] In this implementation, each digital currency wallet has a unique wallet ID. The wallet ID is unique and serves as the receiving address during transactions, similar to a user's bank card number for online transactions. This wallet ID allows for accurate and specific identification of the digital currency terminal.

[0090] In this implementation, transaction elements include a wallet ID, a key, and a certificate associated with the digital currency wallet. The wallet ID is the transaction address, which is unique and can accurately locate the terminal participating in the transaction. The key and certificate are used to verify the legality and security of the transaction, ensuring the security of both parties. Using these transaction elements ensures the security and uniqueness of the transaction, preventing it from being compromised and resulting in fraudulent transactions.

[0091] In this implementation, verifying a user's identity information requires calculating data such as wallet ID, key, and certificate. Since the computing power of the digital currency wallet itself is limited, it takes a certain amount of time to complete the verification process, which does not provide a good user experience.

[0092] The transaction element lookup module 302 is used by the second digital currency wallet to determine whether the first digital currency wallet information is stored locally based on the transaction element, and if so, to execute the transaction.

[0093] Based on the above technical solution, the second digital currency wallet further includes an identity trusted storage unit, which stores transaction elements of verified digital currency wallets. When a transaction occurs, the second digital currency wallet searches for transaction elements of verified digital currency wallets stored locally. Since wallet IDs are unique, in this embodiment, the search is performed using the wallet ID as the search element. If a matching wallet ID is found, it indicates that the digital currency wallet has been verified, eliminating the need for further verification through computation, thus saving time.

[0094] In this embodiment, the transaction elements of other currency wallets stored in the second digital currency wallet can be the transaction elements of digital currency wallets that are frequently encountered when the second digital currency wallet is generated, such as the transaction elements of digital currency wallets of China Mobile, China Unicom, China National Petroleum Corporation, Sinopec, etc.

[0095] Based on the above technical solution, the identity trusted storage unit is a storage medium that does not lose data when power is off.

[0096] In this embodiment, using a non-volatile storage medium can better preserve data, avoid data loss due to power outages, and enhance system stability.

[0097] Based on the above technical solution, further, if the identity trusted storage unit has already stored the transaction elements of the first digital currency wallet, after the transaction is successful, the weight value of the transaction elements of the first digital currency wallet stored in the identity trusted storage unit is increased by 1.

[0098] In this embodiment, if the transaction elements of the first digital currency wallet have been stored in the identity trusted storage unit of the second digital currency wallet, then when the transaction is completed, the weight value corresponding to the first digital currency wallet is incremented by 1. The larger the weight value, the more transactions there are and the greater the likelihood that the user will use it.

[0099] The transaction element verification module 303 is used to verify the identity of the first digital currency wallet based on the transaction elements when the first digital currency wallet information is not stored locally. If the verification is successful, the transaction is executed; otherwise, the transaction is terminated.

[0100] Based on the above technical solution, further, verifying the identity of the first digital currency wallet according to the transaction elements, and executing the transaction if the verification is successful, further includes:

[0101] After successful verification, the transaction elements of the first digital currency wallet are stored in the trusted identity storage unit.

[0102] In this implementation, if the payer's transaction details are not stored in the trusted identity storage unit, the payer's identity needs to be verified according to the normal procedure. Once verified, the transaction is executed. The verified payer's transaction details are then stored in the trusted identity storage unit for future verification of the user's identity.

[0103] Based on the above technical solution, further, after successful verification, storing the transaction elements of the first digital currency wallet in the trusted identity storage unit specifically includes:

[0104] Determine if the storage space of the trusted identity storage unit is full;

[0105] If the storage space is not full, find an empty space from front to back and save the transaction elements of the first digital currency wallet;

[0106] If the storage space is full, replace the transaction elements of the earliest saved digital currency wallet with the transaction elements of the first digital currency wallet with the smallest weight value.

[0107] In this implementation, since the storage capacity of the trusted identity storage unit is limited and cannot be unlimited, when new digital currency wallet transaction elements need to be stored, it is first determined whether the trusted identity storage unit is full. If it is not full, an empty space is searched sequentially from the beginning to the end for storage. If the storage is full, the elements are sorted according to their weight and storage time, and transaction elements of digital currency wallets with lower weight and earlier storage time are replaced first.

[0108] like Figure 4 As shown, one embodiment of the present invention also discloses a digital currency wallet payment system. Figure 4 The digital currency wallet payment system shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0109] The digital currency wallet payment system 400 includes a storage unit 420 for storing a computer-executable program; and a processing unit 410 for reading the computer-executable program in the storage unit to execute the steps of various embodiments of the present invention.

[0110] In this embodiment, the digital currency wallet payment system 400 also includes a bus 430, a display unit 440, etc., that connect different system components (including storage unit 420 and processing unit 410).

[0111] The storage unit 420 stores a computer-readable program, which may be source code or read-only program code. The program can be executed by the processing unit 410, causing the processing unit 410 to perform the steps of various embodiments of the present invention. For example, the processing unit 410 can perform actions such as... Figure 1 The steps are shown.

[0112] The storage unit 420 may include a readable medium in the form of a volatile storage unit, such as a random access memory (RAM) 4201 and / or a cache memory 4202, and may further include a read-only memory (ROM) 4203. The storage unit 420 may also include a program / utility 4204 having a set (at least one) of program modules 4205, such program modules 4205 including, but not limited to, an operating system, one or more application programs, other program modules, and program data. Each or some combination of these examples may include an implementation of a network environment.

[0113] Bus 430 can represent one or more of several types of bus structures, including a memory cell bus or memory cell controller, a peripheral bus, a graphics acceleration port, a processing unit, or a local bus using any of the various bus structures.

[0114] The digital currency wallet payment system 400 can also communicate with one or more external devices 470 (e.g., keyboard, monitor, network device, Bluetooth device, etc.), enabling users to interact with the processing unit 410 via input / output (I / O) interface 450 through these external devices 470. It can also connect to one or more networks (e.g., local area network (LAN), wide area network (WAN), and / or public network, such as the Internet) via network adapter 460. Network adapter 460 can communicate with other modules of the digital currency wallet payment system 400 via bus 430. It should be understood that, although not shown in the figures, other hardware and / or software modules may be used in the digital currency wallet payment system 400, including but not limited to: microcode, device drivers, redundant processing units, external disk drive arrays, RAID systems, tape drives, and data backup storage systems.

[0115] Figure 5 This is a schematic diagram of a computer-readable medium embodiment of the present invention. Figure 5As shown, the computer program can be stored on one or more computer-readable media. The computer-readable medium can be a readable signal medium or a readable storage medium. A 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 readable storage media (a non-exhaustive list) include: an electrical connection having one or more wires, a portable disk, 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 unit, a magnetic storage unit, or any suitable combination thereof. When the computer program is executed by one or more data processing devices, it enables the computer-readable medium to implement the above-described method of the present invention, namely:

[0116] S101, A transaction occurs between the first digital currency wallet and the second digital currency wallet, and the second digital currency wallet receives the transaction elements sent by the first digital currency wallet;

[0117] S102. The second digital currency wallet determines whether the first digital currency wallet information is stored locally based on the transaction elements. If so, the transaction is executed.

[0118] S103. Otherwise, verify the identity of the first digital currency wallet according to the transaction elements. If the verification is successful, execute the transaction; otherwise, terminate the transaction.

[0119] From the above description of the embodiments, those skilled in the art will readily understand that the exemplary embodiments described in this invention can be implemented by software or by combining software with necessary hardware. Therefore, the technical solutions according to the embodiments of this invention can be embodied in the form of a software product, which can be stored in a computer-readable storage medium (such as a CD-ROM, USB flash drive, portable hard drive, etc.) or on a network, including several instructions to cause a data processing device (such as a personal computer, server, or network device, etc.) to execute the methods described above according to this invention.

[0120] The computer-readable storage medium may include data signals propagated in baseband or as part of a carrier wave, carrying readable program code. Such propagated data signals may take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. The readable storage medium may also be any readable medium other than a readable storage medium, capable of transmitting, propagating, or transmitting programs for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the readable storage medium may be transmitted using any suitable medium, including but not limited to wireless, wired, optical fiber, RF, etc., or any suitable combination thereof.

[0121] Program code for performing the operations of this invention can be written in any combination of one or more programming languages, including object-oriented programming languages ​​such as Java and C++, and conventional procedural programming languages ​​such as C or similar languages. The program code can execute entirely on the user's computing device, partially on the user's device, as a standalone software package, partially on the user's computing device and partially on a remote computing device, or entirely on a remote computing device or server. In cases involving remote computing devices, the remote computing device can be connected to the user's computing device via any type of network, including a local area network (LAN) or a wide area network (WAN), or it can be connected to an external computing device (e.g., via the Internet using an Internet service provider).

[0122] In summary, the present invention can be implemented by methods, apparatus, electronic devices, or computer-readable media that execute computer programs. In practice, some or all of the functions of the present invention can be implemented using general-purpose data processing devices such as microprocessor units or digital signal processing units (DSPs).

[0123] The specific embodiments described above further illustrate the purpose, technical solution, and beneficial effects of the present invention. It should be understood that the present invention is not inherently related to any specific computer, virtual device, or electronic device, and various general-purpose devices can also implement the present invention. The above descriptions are merely specific embodiments of the present invention and are not intended to limit the present invention. Any modifications, equivalent substitutions, improvements, etc., made within the spirit and principles of the present invention should be included within the protection scope of the present invention.

Claims

1. A digital currency wallet offline payment method, characterized by, The methods include: The payer's first digital currency wallet transacts with the payee's second digital currency wallet, and the second digital currency wallet receives the transaction elements sent by the first digital currency wallet; The second digital currency wallet determines whether the first digital currency wallet information is stored locally based on the transaction elements. This includes: the second digital currency wallet is equipped with an identity trusted storage unit, which stores the transaction elements of digital currency wallets that have passed identity verification. The second digital currency wallet first searches the transaction elements of the digital currency wallets that have passed identity verification using the wallet ID as the search element, and determines whether the transaction elements sent by the first digital currency wallet are matched based on whether the wallet ID is matched. If so, that is, if a matching wallet ID is found, indicating that the corresponding digital currency wallet has been verified and no longer needs to verify the elements through calculation, then the second digital currency wallet does not perform calculation verification of the transaction elements from the first digital currency wallet locally, but directly executes the transaction and, after the transaction is successful, stores the received transaction elements sent by the first digital currency wallet in the identity trusted storage unit and increments the weight value by 1. This includes: determining whether the storage space of the identity trusted storage unit is full; if the storage space is full, then using the transaction elements of the first digital currency wallet to replace the transaction elements of the earliest saved digital currency wallet with the smallest weight value; if it is not full, then sequentially finding an empty position from front to back to save the transaction elements of the first digital currency wallet. If not, meaning there are no transaction elements stored in the first digital currency wallet, the second digital currency wallet performs calculations to verify the identity of the first digital currency wallet based on the received transaction elements. If the verification is successful, the transaction is executed; otherwise, the transaction is terminated.

2. The digital currency wallet payment method of claim 1, wherein, The transaction elements include the wallet ID, key, and certificate associated with the first digital currency wallet.

3. The digital currency wallet payment method of claim 1, wherein, Also includes: The second digital currency wallet stores transaction elements that will be frequently encountered by digital currency wallets when the second digital currency wallet is created.

4. The digital currency wallet payment method of claim 3, wherein, The identity-trusted storage unit is a storage medium that is not lost when power is off.

5. The digital currency wallet payment method as described in claim 3, characterized in that, The second digital currency wallet executes the transaction directly without verifying the transaction elements locally. After the transaction is successful, it stores the received transaction elements sent by the first digital currency wallet in the trusted identity storage unit and increments the weight value by 1. Specifically, this includes: The second digital currency wallet does not verify transaction elements locally, but directly sends identity information to the first digital currency wallet for identity verification. After identity verification in the first digital currency wallet, a spending voucher is generated and sent to the second digital currency wallet; The second digital currency wallet verifies the payment credentials. If the verification is successful, the transaction is completed. Furthermore, if the identity trusted storage unit has already stored the transaction elements of the first digital currency wallet, the weight value of the transaction elements of the first digital currency wallet stored in the identity trusted storage unit is increased by 1 after the transaction is completed.

6. The digital currency wallet payment method of claim 5, wherein, The identity of the first digital currency wallet is verified based on the transaction elements. If the verification is successful, the transaction is executed. This further includes: After successful verification, the transaction elements of the first digital currency wallet are stored in the trusted identity storage unit.

7. The digital currency wallet payment method of claim 6, wherein, The storage of transaction elements sent by the first digital currency wallet in the trusted identity storage unit specifically includes: If the storage space is not full, find an empty space from front to back and save the transaction elements of the first digital currency wallet.

8. A digital currency wallet payment device, characterized by, The device includes: The transaction element receiving module is used for transactions between the payer's first digital currency wallet and the payee's second digital currency wallet, whereby the second digital currency wallet receives the transaction elements sent by the first digital currency wallet. The transaction element lookup module is used by the second digital currency wallet to determine whether the first digital currency wallet information is stored locally based on the transaction elements. This includes: the second digital currency wallet has an identity trusted storage unit that stores transaction elements of verified digital currency wallets. First, it searches the transaction elements of verified digital currency wallets using the wallet ID as the search element to determine if it matches the transaction elements sent by the first digital currency wallet. If so, indicating that a matching wallet ID has been found, the second digital currency wallet will not perform local verification of the transaction lock from the first digital currency wallet, but will directly execute the transaction and store the received transaction elements sent by the first digital currency wallet after successful transaction, with the weight value incremented by 1. Specifically, this includes: determining whether the identity trusted storage unit is full; if the storage space is full, replacing the earliest saved digital currency wallet transaction element with the smallest weight value with the transaction elements of the first digital currency wallet. The transaction element verification module is used to verify the identity of the first digital currency wallet based on the received transaction element if no transaction element is stored. If the verification is successful, the transaction is executed; otherwise, the transaction is terminated.

9. A digital currency wallet payment system, characterized in that, include: Storage unit, used to store computer executable programs; A processing unit is configured to read a computer-executable program from a storage unit to execute the digital currency wallet payment method according to any one of claims 1 to 7.

10. A computer-readable medium for storing a computer-readable program, characterized in that, A computer-readable program is used to perform the digital currency wallet payment method according to any one of claims 1 to 7.

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