Digital currency transaction method, device, electronic device and readable storage medium

Abstract

Embodiments of the present invention provide a digital currency transaction method, apparatus, electronic device, and readable storage medium, relating to the field of digital currency technology. A specific implementation of the method includes: in the process of using a first digital currency wallet to conduct a digital currency transaction, determining a second digital currency wallet for reviewing the current transaction; sending pending review information for the current transaction to the second digital currency wallet and obtaining the review result; and determining whether to make payment and settlement for the transaction account corresponding to the current transaction based on the review result. According to an embodiment of the present invention, a digital currency transaction method capable of automatic approval is provided. After the approval process is completed, the payment process can be entered, thereby realizing the integrated automated processing of the approval process and the payment process during the digital currency transaction process, making the operation of digital currency-based transactions more convenient.

Description

Technical Field

[0001] The present invention relates to the field of digital currency technology, and in particular to a digital currency transaction method, a digital currency transaction device, an electronic device, and a computer-readable storage medium. Background Art

[0002] Currently, when using digital currency for transactions, if a transaction requires review, such as a financial audit, it still requires an auditor to review the transaction offline according to the approval process before the transaction can be processed online using digital currency, which is cumbersome. Existing digital currency transaction technology does not integrate automated approval functions. Summary of the Invention

[0003] In view of the above problems, embodiments of the present invention are proposed to provide a digital currency transaction method and a corresponding digital currency transaction device, an electronic device, and a computer-readable storage medium that overcome the above problems or at least partially solve the above problems.

[0004] An embodiment of the present invention discloses a digital currency transaction method, the method comprising:

[0005] During a digital currency transaction using a first digital currency wallet, determining a second digital currency wallet for reviewing the current transaction;

[0006] Sending pending review information for the current transaction to the second digital currency wallet and obtaining the review result;

[0007] Determine whether to make payment and settlement for the transaction account corresponding to the current transaction business based on the audit result.

[0008] Optionally, determining a second digital currency wallet for reviewing the current transaction includes:

[0009] Obtaining the transaction amount of the current transaction;

[0010] If the transaction amount is greater than the preset transaction amount threshold, the current transaction is determined to be a transaction that requires review;

[0011] Determine, from preset transaction rules, a second digital currency wallet corresponding to the transaction amount and used to review the current transaction.

[0012] Optionally, the sending of the pending review information for the current transaction to the second digital currency wallet includes:

[0013] Determining the review order of the second digital currency wallet;

[0014] According to the review order, the pending review information for the current transaction business is sent to each second digital currency wallet in turn.

[0015] Optionally, the information to be reviewed includes transaction information of the current transaction business, review list information and first signature information; wherein, the first signature information is generated by the first digital currency wallet after reviewing the transaction information and passing the review.

[0016] Optionally, determining whether to perform payment settlement on the transaction account corresponding to the current transaction business according to the review result includes:

[0017] If all second digital currency wallets are reviewed and signed successfully, payment and settlement will be made to the transaction account corresponding to the current transaction;

[0018] If one of the second digital currency wallets fails the review and / or one of the second digital currency wallets fails to sign, a transaction failure message is generated for the current transaction business, and the transaction failure message is sent to the second digital currency wallet that has previously passed the review and successfully signed.

[0019] Optionally, if all second digital currency wallets are reviewed and signed successfully, payment settlement is performed on the transaction account corresponding to the current transaction business, including:

[0020] If all second digital currency wallets have passed the review and the signature is successful, the queue review information returned by the last second digital currency wallet is verified;

[0021] After verification, payment and settlement will be made to the transaction account corresponding to the current transaction business.

[0022] Optionally, the queue review information includes signature information of each second digital currency wallet; wherein, the signature information of the nth second digital currency wallet is generated by using a preset hash algorithm to perform a hash operation on the information to be reviewed and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet, and encrypting the hash result with a private key; wherein n is a positive integer.

[0023] Optionally, verifying the queue review information returned by the last second digital currency wallet includes:

[0024] Obtaining the public key of each second digital currency wallet;

[0025] Starting from the last second digital currency wallet, in the reverse order of the signatures, the signature information of each second digital currency wallet is decrypted using the public key of each second digital currency wallet respectively, and verified respectively after decryption.

[0026] Optionally, after performing payment and settlement on the transaction account corresponding to the current transaction, the method further includes:

[0027] After receiving the transaction result for the current transaction business, the transaction result is sent in sequence to each second digital currency wallet for review.

[0028] Optionally, the first digital currency wallet and the second digital currency wallet are hardware wallets, and the first digital currency wallet and the second digital currency wallet communicate with each other via short-range wireless communication or network communication.

[0029] The embodiment of the present invention further discloses a digital currency transaction device, comprising:

[0030] A first determining module is configured to determine a second digital currency wallet for reviewing a current transaction during a digital currency transaction using the first digital currency wallet;

[0031] a first sending module, configured to send pending review information for the current transaction to the second digital currency wallet and obtain a review result;

[0032] The second determining module is used to determine whether to perform payment and delivery on the transaction account corresponding to the current transaction business according to the review result.

[0033] Optionally, the first determining module includes:

[0034] The acquisition submodule is used to obtain the transaction amount of the current transaction business;

[0035] A determination submodule, configured to determine that the current transaction is a transaction requiring review if the transaction amount is greater than a preset transaction amount threshold;

[0036] The first determination submodule is configured to determine, from preset transaction rules, the second digital currency wallet corresponding to the transaction amount and used to review the current transaction.

[0037] Optionally, the first sending module includes:

[0038] A second determination submodule, configured to determine the review order of the second digital currency wallet;

[0039] The sending submodule is used to send the pending review information for the current transaction business to each second digital currency wallet in sequence according to the review order.

[0040] Optionally, the information to be reviewed includes transaction information of the current transaction business, review list information and first signature information; wherein, the first signature information is generated by the first digital currency wallet after reviewing the transaction information and passing the review.

[0041] Optionally, the second determining module includes:

[0042] A payment and delivery submodule, configured to perform payment and delivery on the transaction account corresponding to the current transaction business if all second digital currency wallets have passed the review and the signature is successful;

[0043] The generation submodule is configured to generate a transaction failure message for the current transaction if one of the second digital currency wallets fails the review and / or one of the second digital currency wallets fails to sign, and send the transaction failure message to the second digital currency wallet that has previously passed the review and successfully signed.

[0044] Optionally, the payment and delivery submodule includes:

[0045] a verification unit, configured to verify the queue review information returned by the last second digital currency wallet if all second digital currency wallets have passed the review and the signature is successful;

[0046] The payment and delivery unit is used to make payment and delivery to the transaction account corresponding to the current transaction business after verification.

[0047] Optionally, the queue review information includes signature information of each second digital currency wallet; wherein, the signature information of the nth second digital currency wallet is generated by using a preset hash algorithm to perform a hash operation on the information to be reviewed and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet, and encrypting the hash result with a private key; wherein n is a positive integer.

[0048] Optionally, the verification unit includes:

[0049] An acquisition subunit, configured to acquire the public key of each second digital currency wallet;

[0050] The verification subunit is used to decrypt the signature information of each second digital currency wallet in reverse order of the signature, starting from the last second digital currency wallet, using the public key of each second digital currency wallet, and verify them respectively after decryption.

[0051] Optionally, the device further includes:

[0052] The second sending module is used to send the transaction result for the current transaction business in sequence to each second digital currency wallet for review after receiving the transaction result.

[0053] Optionally, the first digital currency wallet and the second digital currency wallet are hardware wallets, and the first digital currency wallet and the second digital currency wallet communicate with each other via short-range wireless communication or network communication.

[0054] An embodiment of the present invention further discloses an electronic device, comprising: a processor, a memory, and a computer program stored in the memory and capable of running on the processor, wherein when the computer program is executed by the processor, the steps of the digital currency transaction method described above are implemented.

[0055] An embodiment of the present invention further discloses a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the steps of the digital currency transaction method described above are implemented.

[0056] The embodiments of the present invention include the following advantages:

[0057] In an embodiment of the present invention, during a digital currency transaction, the digital currency wallet that reviewed the transaction can be identified, and the completion of the digital currency payment can be determined based on the review result. By employing this method, a digital currency transaction method capable of automated approval is provided. The payment process can only begin after the approval process is completed, thus achieving integrated automated processing of the approval and payment processes during digital currency transactions. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] Figure 1 This is a flowchart of the steps of a digital currency transaction method according to an embodiment of the present invention;

[0059] Figure 2 This is a flowchart of another digital currency transaction method according to an embodiment of the present invention;

[0060] Figure 3 This is a structural block diagram of a digital currency transaction device according to an embodiment of the present invention. DETAILED DESCRIPTION

[0061] To make the above-mentioned objects, features, and advantages of the present invention more clearly understood, the present invention is further described in detail below with reference to the accompanying drawings and specific embodiments. It is obvious that the embodiments described are only some embodiments of the present invention, rather than all embodiments. All other embodiments obtained by persons of ordinary skill in the art based on the embodiments of the present invention are within the scope of protection of the present invention.

[0062] Existing digital currency transaction technology can only perform simple cashier functions and lacks effective integration with financial functions. In most transaction scenarios, human intervention is required to complete the transaction process. For example, in transactions that require approval before payment can be made, reviewers still need to review the application offline according to the approval process before online digital currency transactions can be made, which is cumbersome.

[0063] A core concept of the embodiments of the present invention is to identify the digital currency wallet that reviewed the transaction during a digital currency transaction and, based on the review results, determine whether the digital currency payment has been completed. By employing this method, a digital currency transaction method capable of automated approval is provided. The payment process can only begin after the approval process is complete, thus achieving integrated automated processing of the approval and payment processes during digital currency transactions.

[0064] Reference Figure 1 , shows a flowchart of a digital currency transaction method according to an embodiment of the present invention, which may specifically include the following steps:

[0065] Step 101: During a digital currency transaction using a first digital currency wallet, a second digital currency wallet is determined for reviewing the current transaction.

[0066] In embodiments of the present invention, a digital currency wallet may include a hardware wallet, which may be a wallet used to store actual digital currency. Digital currency is a string of characters generated using a specific encryption mechanism. For digital currency issued by the central bank, the string may represent a certain amount of RMB. Hardware wallets may include various types, such as a Bluetooth IC card, an IC card, a mobile phone-eSE card, a mobile phone-secure SD card, or a mobile phone-SIM card. In one embodiment, a digital currency wallet may include a digital currency chip card, which may include any of the aforementioned card types. The first digital currency wallet may be a digital currency wallet owned by the current user. When the user uses this first digital currency wallet to conduct a digital currency transaction, the user may first determine whether the current transaction requires review. If the current transaction requires review, a second digital currency wallet may be determined for reviewing the current transaction.

[0067] It should be noted that the first digital currency wallet and the second digital currency wallet are for the current transaction business. When conducting other transaction businesses, the first digital currency wallet can also be used for review and the second digital currency wallet can also be used to execute transaction businesses.

[0068] Step 102: Send the pending review information for the current transaction to the second digital currency wallet and obtain the review result.

[0069] In an embodiment of the present invention, after determining the second digital currency wallet for review, the pending review information corresponding to the current transaction business can be sent to the second digital currency wallet. After receiving the pending review information, the second digital currency wallet can review the pending review information and obtain the corresponding review result. The first digital currency wallet can obtain the review result of the second digital currency wallet.

[0070] Step 103: Determine whether to make payment and settlement for the transaction account corresponding to the current transaction business based on the audit result.

[0071] In an embodiment of the present invention, if the audit result is passed, the payment and delivery of the transaction account corresponding to the current transaction business can be executed; if the audit result is failed, the payment and delivery of the transaction account corresponding to the current transaction business will not be executed.

[0072] In summary, in this embodiment of the present invention, during a digital currency transaction, the digital currency wallet that reviewed the transaction can be determined, and whether the digital currency payment has been completed can be determined based on the review result. By adopting the above method, a digital currency transaction method capable of automatic approval is provided. The payment process can only be entered after the approval process is completed, thus achieving integrated automated processing of the approval and payment processes during digital currency transactions.

[0073] Reference Figure 2 , shows a flowchart of another digital currency transaction method according to an embodiment of the present invention, which may specifically include the following steps:

[0074] Step 201: During a digital currency transaction using a first digital currency wallet, a second digital currency wallet is determined for reviewing the current transaction.

[0075] In one example, the first digital currency wallet and the second digital currency wallet are hardware wallets, and the first digital currency wallet and the second digital currency wallet can communicate with each other through short-range wireless communication (including NFC, infrared or Bluetooth) or network communication (including local area network, Internet, etc.).

[0076] In one embodiment of the present invention, an approval process can be set in the medium program of the internal chip of the first digital currency wallet. If the current transaction business meets the preset conditions, the approval process is triggered to determine the second digital currency wallet used to review the current transaction business.

[0077] For step 201, the following sub-steps may be performed:

[0078] Sub-step S11, obtaining the transaction amount of the current transaction business.

[0079] Sub-step S12: If the transaction amount is greater than a preset transaction amount threshold, the current transaction business is determined to be a transaction business that needs to be reviewed.

[0080] Sub-step S13: determining, from preset transaction rules, the second digital currency wallet corresponding to the transaction amount and used to review the current transaction business.

[0081] In one embodiment of the present invention, the transaction amount of the current transaction can be obtained, and based on the numerical value of the transaction amount, it can be determined whether the current transaction requires review. For example, a transaction amount threshold can be preset at 50,000. If the transaction amount of the current transaction is 60,000, it can be determined that the current transaction requires review before payment and settlement can be carried out.

[0082] Preferably, transaction rules can be pre-set in the internal chip of the first digital currency wallet, and the transaction rules store a mapping relationship between the transaction amount and the second digital currency wallet for review. The second digital currency wallet for review corresponding to the transaction amount of the current transaction business can be obtained from the preset transaction rules.

[0083] The transaction rules may also store conditional restrictions on various transaction businesses, which may be conditional restrictions on the transaction business before the first digital currency wallet sends a digital currency transaction instruction to the digital RMB server, or before the first digital currency wallet sends a digital currency transaction instruction to other digital currency wallets or transaction systems (bank systems) in an offline state, or before performing other operations that will change the account balance in the first digital currency wallet. For example, it can be set that when the transaction amount is greater than or equal to the preset transaction amount threshold, another second digital currency wallet authorization is required; or, when the first digital currency wallet executes a transaction business, each time it needs to deduct taxes according to the transaction category, the deducted tax amount is directly entered into the corresponding tax account; or, for a digital currency wallet or transaction account suspected of illegal transactions, the transaction business is directly judged to be illegal, and the funds under the first digital currency wallet can be refused to be transferred to such digital currency wallet or transaction account.

[0084] The transaction rules can serve as a medium program for the first digital currency wallet. When the first digital currency wallet conducts a transaction, it can first determine whether the current transaction is legal based on the preset transaction rules. The first digital currency wallet must execute the preset transaction rules before sending a digital currency transaction instruction to the digital currency service system.

[0085] It should be noted that the above method of determining whether the current transaction business is a transaction business that needs to be reviewed is only one of the judgment methods. Those skilled in the art can also use other methods to make judgments according to actual conditions. This embodiment of the present invention does not impose specific limitations on this.

[0086] Step 202: Send the pending review information for the current transaction to the second digital currency wallet and obtain the review result.

[0087] In the implementation of the present invention, the first digital currency wallet can send the pending review information for the current transaction business to the second digital currency wallet. In a preferred embodiment, the pending review information includes the transaction information of the current transaction business, the review list information and the first signature information; wherein the transaction information may include the transaction amount, transaction account, transaction reason, transaction period, etc.; the review list information is the queue information used to review the current transaction business, which may include the identifier of the second digital currency wallet (such as ID or IP address), the review order of the second digital currency wallet, etc.; the first signature information is generated by the first digital currency wallet after reviewing the transaction information. In one example, the first digital currency wallet can conduct a preliminary review of the transaction information of the current transaction business and sign it after the preliminary review is passed. The first signature information is used to indicate that the transaction information is generated and confirmed by the first digital currency wallet, so that the second digital currency wallet that conducts subsequent review can confirm the source of the transaction information.

[0088] For step 202, the following sub-steps may be performed:

[0089] Sub-step S21: determining the review order of the second digital currency wallet.

[0090] Sub-step S22: sending the pending review information for the current transaction business to each second digital currency wallet in sequence according to the review order.

[0091] In an embodiment of the present invention, the review order of the second digital currency wallet can be determined from the review list information, and the information to be reviewed can be sent to the second digital currency wallet in sequence according to the review order.

[0092] In one example, the second digital currency wallet can review the information to be reviewed and sign it after the review is passed. Here, after a second digital currency wallet in the review queue reviews and signs it, it is automatically sent to the next second digital currency wallet in the review queue for review and signature; or after a second digital currency wallet in the review queue reviews and signs it, the review completion information is first sent to the first digital currency wallet for verification, and then sent to the next second digital currency wallet in the review queue for review and signature.

[0093] Step 203: If all second digital currency wallets are reviewed and signed successfully, payment and settlement are performed on the transaction account corresponding to the current transaction business.

[0094] In an embodiment of the present invention, if each second digital currency wallet is reviewed and signed successfully, a digital currency transaction instruction can be sent to the digital RMB server to realize payment and delivery of the transaction account corresponding to the current transaction business.

[0095] For step 203, the following sub-steps may be performed:

[0096] Sub-step S31: If all second digital currency wallets have passed the review and the signature is successful, the queue review information returned by the last second digital currency wallet is verified.

[0097] In an embodiment of the present invention, if all second digital currency wallets are audited and signed successfully, the queue audit information returned by the last second digital currency wallet is obtained and the queue audit information is verified.

[0098] In one example, the queue review information includes signature information for each second digital currency wallet. The signature information for the nth second digital currency wallet is generated by performing a hash operation on the information to be reviewed and the signature information of the n-1 second digital currency wallets preceding the nth second digital currency wallet using a preset hash algorithm, and then encrypting the resulting hash result with a private key. Where n is a positive integer. In this embodiment of the present invention, prior signature information may be signed. Furthermore, the queue review information may also include the review results corresponding to each second digital currency wallet.

[0099] In another example, the audit content of the second digital currency wallet may include auditing whether the owner of the digital currency used for the transaction is consistent with the owner of the first digital currency wallet, and auditing whether the transaction amount of the current transaction business is consistent with the currency value of the digital currency used for the transaction.

[0100] In addition, the second digital currency wallet may also verify the previously signed information. This verification process can refer to the first digital currency wallet's verification of the queue audit information process, which will not be repeated here.

[0101] In one embodiment of the present invention, verifying the queue audit information returned by the last second digital currency wallet includes:

[0102] Obtain the public key of each second digital currency wallet; starting from the last second digital currency wallet, in reverse order of the signature, use the public key of each second digital currency wallet to decrypt the signature information of each second digital currency wallet respectively, and verify them respectively after decryption.

[0103] In this embodiment of the present invention, the queue review information includes the signature information of each second digital currency wallet, transaction information of the current transaction, review list information, first signature information, etc. The first digital currency wallet can verify the above information. The first digital currency wallet can also obtain the public key of each second digital currency wallet and, starting from the last second digital currency wallet, decrypt the signature information of each second digital currency wallet using the public key in the reverse order of the second digital currency wallet signatures. After that, the first digital currency wallet verifies each signature information separately to determine the accuracy and signature identity of each signed second digital currency wallet signature.

[0104] Sub-step S32: After verification, payment and settlement are performed on the transaction account corresponding to the current transaction business.

[0105] In this embodiment of the present invention, payment and settlement can be made after the first digital currency wallet has verified and signed. This signature after verification by the first digital currency wallet ensures that all second digital currency wallets in the review queue have signed, preventing subsequent denial or reneging by the second digital currency wallets and ensuring the integrity of the signature queue.

[0106] Preferably, after the first digital currency wallet verifies and signs, the transaction information of the current transaction and all signature information (including two signatures of the first digital currency wallet and / or the signatures of all second digital currency wallets) can be sent to each second digital currency wallet for storage, or uploaded to the private chain of the blockchain for storage as a stub.

[0107] In order to help those skilled in the art better understand the signing process of each digital currency wallet in this application, the following example is used to illustrate:

[0108] Assume that a company's first digital currency wallet is P, and there are three second digital currency wallets for reviewing current transactions, namely A, B, and C. The transaction information of the current transaction in the information to be reviewed is M, and the review list information is N. The information signed by ABC in sequence is:

[0109] Information signed by P = (M+N) + SignP(M+N);

[0110] Information signed by A = (M + N) + information signed by P + SignA (information signed by P);

[0111] Information signed by B = (M + N) + information signed by P + information signed by A + SignB (information signed by A);

[0112] Information signed by C = (M + N) + information signed by P + information signed by A + information signed by B + SignC (information signed by B);

[0113] The last information signed by P = (M+N)+information signed by P+information signed by A+information signed by B+information signed by C+SignP(information signed by C).

[0114] In one embodiment of the present invention, after payment and settlement are performed on the transaction account corresponding to the current transaction, the method further includes:

[0115] After receiving the transaction result for the current transaction business, the transaction result is sent in sequence to each second digital currency wallet for review.

[0116] In one example, a first digital currency wallet sends a digital currency transaction instruction to a digital RMB server to effectuate payment settlement for the transaction account corresponding to the current transaction. After modifying the digital RMB ownership confirmation database, the digital RMB server can generate a corresponding payment result and return the payment result to the first digital currency wallet. Payment results can include payment success and payment failure. The first digital currency wallet can then sequentially send the returned payment results to each second digital currency wallet for review to notify them of the transaction outcome.

[0117] In step 204, if one of the second digital currency wallets fails the review and / or one of the second digital currency wallets fails to sign, a transaction failure message is generated for the current transaction and sent to the second digital currency wallet that has previously passed the review and successfully signed.

[0118] In an embodiment of the present invention, if one of the second digital currency wallets fails to pass the review, or one of the second digital currency wallets fails to sign, resulting in the failure of the transaction, a corresponding transaction failure message can be generated and sent to the second digital currency wallet that has previously passed the review and successfully signed.

[0119] In summary, in this embodiment of the present invention, during a digital currency transaction, the digital currency wallet that reviewed the transaction can be determined, and whether the digital currency payment has been completed can be determined based on the review result. By adopting the above method, a digital currency transaction method capable of automatic approval is provided. The payment process can only be entered after the approval process is completed, thus achieving integrated automated processing of the approval and payment processes during digital currency transactions.

[0120] It should be noted that for the sake of simplicity, the method embodiments are described as a series of actions. However, those skilled in the art should be aware that the embodiments of the present invention are not limited by the order of the actions described, because according to the embodiments of the present invention, certain steps can be performed in other orders or simultaneously. Secondly, those skilled in the art should also be aware that the embodiments described in this specification are all preferred embodiments, and the actions involved are not necessarily required by the embodiments of the present invention.

[0121] Reference Figure 3 , shows a structural block diagram of a digital currency transaction device according to an embodiment of the present invention, which may specifically include the following modules:

[0122] A first determining module 301 is configured to determine a second digital currency wallet for reviewing a current transaction during a digital currency transaction using a first digital currency wallet;

[0123] A first sending module 302 is configured to send the pending review information for the current transaction to the second digital currency wallet and obtain the review result;

[0124] The second determining module 303 is configured to determine whether to perform payment settlement on the transaction account corresponding to the current transaction business according to the review result.

[0125] In this embodiment of the present invention, the first determining module includes:

[0126] The acquisition submodule is used to obtain the transaction amount of the current transaction business;

[0127] A determination submodule, configured to determine that the current transaction is a transaction requiring review if the transaction amount is greater than a preset transaction amount threshold;

[0128] The first determination submodule is configured to determine, from preset transaction rules, the second digital currency wallet corresponding to the transaction amount and used to review the current transaction.

[0129] In this embodiment of the present invention, the first sending module includes:

[0130] A second determination submodule, configured to determine the review order of the second digital currency wallet;

[0131] The sending submodule is used to send the pending review information for the current transaction business to each second digital currency wallet in sequence according to the review order.

[0132] In an embodiment of the present invention, the information to be reviewed includes transaction information of the current transaction business, review list information and first signature information; wherein, the first signature information is generated by the first digital currency wallet after reviewing the transaction information and passing the review.

[0133] In this embodiment of the present invention, the second determining module includes:

[0134] A payment and delivery submodule, configured to perform payment and delivery on the transaction account corresponding to the current transaction business if all second digital currency wallets have passed the review and the signature is successful;

[0135] The generation submodule is configured to generate a transaction failure message for the current transaction if one of the second digital currency wallets fails the review and / or one of the second digital currency wallets fails to sign, and send the transaction failure message to the second digital currency wallet that has previously passed the review and successfully signed.

[0136] In this embodiment of the present invention, the payment and delivery submodule includes:

[0137] a verification unit, configured to verify the queue review information returned by the last second digital currency wallet if all second digital currency wallets have passed the review and the signature is successful;

[0138] The payment and delivery unit is used to make payment and delivery to the transaction account corresponding to the current transaction business after verification.

[0139] In an embodiment of the present invention, the queue review information includes signature information of each second digital currency wallet; wherein, the signature information of the nth second digital currency wallet is generated by using a preset hash algorithm to perform a hash operation on the information to be reviewed and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet, and encrypting the hash result with a private key; wherein n is a positive integer.

[0140] In an embodiment of the present invention, the verification unit includes:

[0141] An acquisition subunit, configured to acquire the public key of each second digital currency wallet;

[0142] The verification subunit is used to decrypt the signature information of each second digital currency wallet in reverse order of the signature, starting from the last second digital currency wallet, using the public key of each second digital currency wallet, and verify them respectively after decryption.

[0143] In an embodiment of the present invention, the device further includes:

[0144] The second sending module is used to send the transaction result for the current transaction business in sequence to each second digital currency wallet for review after receiving the transaction result.

[0145] In an embodiment of the present invention, the first digital currency wallet and the second digital currency wallet are hardware wallets, and the first digital currency wallet and the second digital currency wallet communicate with each other via short-range wireless communication or network communication.

[0146] In summary, in this embodiment of the present invention, during a digital currency transaction, the digital currency wallet that reviewed the transaction can be determined, and whether the digital currency payment has been completed can be determined based on the review result. By adopting the above method, a digital currency transaction method capable of automatic approval is provided. The payment process can only be entered after the approval process is completed, thus achieving integrated automated processing of the approval and payment processes during digital currency transactions.

[0147] As for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0148] An embodiment of the present invention further provides an electronic device, comprising: a processor, a memory, and a computer program stored in the memory and capable of running on the processor. When the computer program is executed by the processor, the various processes of the above-mentioned embodiment of the digital currency transaction method are implemented and the same technical effect can be achieved. To avoid repetition, it will not be repeated here.

[0149] An embodiment of the present invention further provides a computer-readable storage medium, on which a computer program is stored. When the computer program is executed by a processor, the various processes of the above-mentioned embodiment of the digital currency transaction method are implemented and the same technical effects can be achieved. To avoid repetition, they are not described here.

[0150] As for the device embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts can be referred to the partial description of the method embodiment.

[0151] The various embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the various embodiments can be referenced to each other.

[0152] Those skilled in the art will appreciate that embodiments of the present invention may be provided as methods, apparatus, or computer program products. Thus, embodiments of the present invention may take the form of a fully hardware embodiment, a fully software embodiment, or an embodiment combining software and hardware. Furthermore, embodiments of the present invention may take the form of a computer program product implemented on one or more computer-usable storage media (including but not limited to magnetic disk storage, CD-ROM, optical storage, etc.) containing computer-usable program code.

[0153] The embodiments of the present invention are described with reference to the flowcharts and / or block diagrams of the methods, terminal devices (systems), and computer program products according to the embodiments of the present invention. It should be understood that each process and / or block in the flowchart and / or block diagram, as well as the combination of the processes and / or blocks in the flowchart and / or block diagram, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, an embedded processor, or other programmable data processing terminal device to produce a machine, so that the instructions executed by the processor of the computer or other programmable data processing terminal device generate instructions for implementing the process in the flowchart and / or block diagram. Figure 1 a process or multiple processes and / or boxes Figure 1 A device that provides the functions specified in a block or multiple blocks.

[0154] These computer program instructions may also be stored in a computer readable memory that can direct a computer or other programmable data processing terminal device to operate in a specific manner, so that the instructions stored in the computer readable memory produce a manufactured product including an instruction device, which implements the process Figure 1 a process or multiple processes and / or boxes Figure 1 The function specified in one or more boxes.

[0155] These computer program instructions can also be loaded onto a computer or other programmable data processing terminal device so that a series of operating steps are executed on the computer or other programmable terminal device to produce a computer-implemented process, thereby providing instructions for executing on the computer or other programmable terminal device to implement the process. Figure 1 a process or multiple processes and / or boxes Figure 1 A step that specifies a function in one or more boxes.

[0156] Although the preferred embodiments of the present invention have been described, those skilled in the art may make additional changes and modifications to these embodiments once they become aware of the basic creative concepts. Therefore, the appended claims are intended to be interpreted as including the preferred embodiments and all changes and modifications that fall within the scope of the embodiments of the present invention.

[0157] Finally, it should be noted that, in this document, relational terms such as first and second, etc., are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any actual relationship or order between these entities or operations. Moreover, the terms "comprises," "comprising," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or terminal device that includes a series of elements includes not only those elements, but also other elements not explicitly listed, or elements inherent to such process, method, article, or terminal device. In the absence of further limitations, an element defined by the phrase "comprising a ..." does not exclude the presence of additional identical elements in the process, method, article, or terminal device that includes the element.

[0158] The above is a detailed introduction to a digital currency transaction method, a digital currency transaction device, an electronic device, and a computer-readable storage medium provided by the present invention. Specific examples are used herein to illustrate the principles and implementation methods of the present invention. The description of the above embodiments is only intended to help understand the method and core concept of the present invention. At the same time, for those skilled in the art, according to the concept of the present invention, there may be changes in the specific implementation methods and application scopes. In summary, the contents of this specification should not be understood as limiting the present invention.

Claims

1. A digital currency transaction method, characterized in that: The method comprises: During a digital currency transaction using a first digital currency wallet, determining a second digital currency wallet for reviewing the current transaction; Sending pending review information for the current transaction to the second digital currency wallet and obtaining the review result; Determining whether to make payment and settlement for the transaction account corresponding to the current transaction business based on the audit result includes: if all second digital currency wallets have passed the audit and have been successfully signed, making payment and settlement for the transaction account corresponding to the current transaction business; if one of the second digital currency wallets has failed the audit and / or one of the second digital currency wallets has failed to sign, generating a transaction failure message for the current transaction business, and sending the transaction failure message to the second digital currency wallet that has previously passed the audit and has been successfully signed.

2. The method according to claim 1, characterized in that Determining the second digital currency wallet for reviewing the current transaction includes: Obtaining the transaction amount of the current transaction; If the transaction amount is greater than the preset transaction amount threshold, the current transaction is determined to be a transaction that requires review; Determine, from preset transaction rules, a second digital currency wallet corresponding to the transaction amount and used to review the current transaction.

3. The method according to claim 1, characterized in that The sending of the pending review information regarding the current transaction to the second digital currency wallet includes: Determining the review order of the second digital currency wallet; According to the review order, the pending review information for the current transaction business is sent to each second digital currency wallet in turn.

4. The method according to claim 1, wherein The information to be reviewed includes transaction information of the current transaction business, review list information and first signature information; wherein, the first signature information is generated by the first digital currency wallet after reviewing the transaction information and passing the review.

5. The method according to claim 1, wherein If all second digital currency wallets are reviewed and signed successfully, payment and settlement will be made to the transaction account corresponding to the current transaction, including: If all second digital currency wallets have passed the review and the signature is successful, the queue review information returned by the last second digital currency wallet is verified; After verification, payment and settlement will be made to the transaction account corresponding to the current transaction business.

6. The method according to claim 5, characterized in that The queue review information includes signature information of each second digital currency wallet; wherein the signature information of the nth second digital currency wallet is generated by using a preset hash algorithm to perform a hash operation on the information to be reviewed and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet, and encrypting the hash result with a private key; wherein n is a positive integer.

7. The method according to claim 6, characterized in that The verification of the queue review information returned by the last second digital currency wallet includes: Obtaining the public key of each second digital currency wallet; Starting from the last second digital currency wallet, in the reverse order of the signatures, the signature information of each second digital currency wallet is decrypted using the public key of each second digital currency wallet respectively, and verified respectively after decryption.

8. The method according to claim 1, characterized in that After the payment and settlement is made to the transaction account corresponding to the current transaction business, the method further includes: After receiving the transaction result for the current transaction business, the transaction result is sent in sequence to each second digital currency wallet for review.

9. The method according to claim 1, characterized in that The first digital currency wallet and the second digital currency wallet are hardware wallets, and the first digital currency wallet and the second digital currency wallet communicate with each other via short-range wireless communication or network communication.

10. A digital currency transaction device, characterized in that: The device comprises: A first determining module is configured to determine a second digital currency wallet for reviewing a current transaction during a digital currency transaction using the first digital currency wallet; a first sending module, configured to send pending review information for the current transaction to the second digital currency wallet and obtain a review result; A second determination module is configured to determine whether to perform payment settlement on the transaction account corresponding to the current transaction business based on the review result; The second determining module includes: A payment and delivery submodule, configured to perform payment and delivery on the transaction account corresponding to the current transaction business if all second digital currency wallets have passed the review and the signature is successful; The generation submodule is configured to generate a transaction failure message for the current transaction if one of the second digital currency wallets fails the review and / or one of the second digital currency wallets fails to sign, and send the transaction failure message to the second digital currency wallet that has previously passed the review and successfully signed.

11. An electronic device, characterized in that: include: A processor, a memory, and a computer program stored in the memory and capable of running on the processor, wherein when the computer program is executed by the processor, the steps of a digital currency transaction method as described in any one of claims 1 to 9 are implemented.

12. A computer-readable storage medium, characterized in that The computer-readable storage medium stores a computer program, and when the computer program is executed by the processor, the steps of a digital currency transaction method according to any one of claims 1 to 9 are implemented.

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