A digital currency transaction method and device

Abstract

The present invention discloses a digital currency transaction method and device, and relates to the field of computer technology. A specific implementation of the method includes: in response to a power state change indication that a first transaction device is about to be powered off or about to be powered off, activating a digital currency card application device in the first transaction device; powered off means that the first transaction device is powered off but the power supply is sufficient to support the power-on operation; power-off means that the first transaction device is powered off and the power supply is insufficient to support the power-on operation but can provide power for the NFC chip and SE chip in the first transaction device; in response to a digital currency transaction request when the first transaction device is powered off or powered off, using the activated digital currency card application device to conduct digital currency transactions with the second transaction device. This implementation can enable the transaction device to safely activate the digital currency card application device and conduct digital currency transactions in the powered off or power-off scenarios.

Description

Technical Field

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

[0002] In recent years, the development of mobile smart terminals has been extremely rapid. NFC (near field communication), as an important wireless communication technology, has become the main technology used in short-distance communication due to its safety, simplicity, and low power consumption. The weak power state of a mobile terminal refers to when it is powered off but not completely powered off (completely out of power). The voltage is generally around 3.4V, while the NFC power is very low. The remaining power of the mobile phone can still power the NFC chip and SE chip. Users who hold trading devices such as mobile smart terminals that are powered off and have a security unit (SE) still have the need to make payments, receive digital currency, and other transactions.

[0003] In the process of implementing the present invention, the inventors found that there are at least the following problems in the prior art:

[0004] The lack of transaction equipment can safely activate the digital currency card application device and realize digital currency payment, collection and other transactions when there is electricity or no electricity. Summary of the invention

[0005] In view of this, an embodiment of the present invention provides a digital currency transaction method and device, which can enable the transaction device to safely activate the digital currency card application device and perform digital currency payment, collection and other transactions in scenarios where the device is powered on, powered off or powered off.

[0006] To achieve the above objective, according to one aspect of an embodiment of the present invention, a digital currency transaction method is provided.

[0007] A digital currency transaction method is executed in a first transaction device, the method comprising: in response to a power status change indication that the first transaction device is about to be powered off or about to be powered off, activating a digital currency card application device in the first transaction device; wherein powered off refers to a state in which the first transaction device is powered off but the power supply is sufficient to support a power-on operation, and the power required for the power-on operation is greater than the power required for an NFC chip and an SE chip in the first transaction device to operate; power-off refers to a state in which the first transaction device is powered off and the power supply is insufficient to support a power-on operation, but can supply power to an NFC chip and an SE chip in the first transaction device; when the first transaction device is in a powered off or power-off state, in response to a digital currency transaction request sent by a second transaction device, using the activated digital currency card application device to conduct a digital currency transaction with the second transaction device.

[0008] Optionally, before responding to the indication of a power status change that the first transaction device is about to be shut down with power or without power, the response includes: receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power status change that the first transaction device is about to be shut down with power or without power, wherein the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0009] Optionally, receiving or obtaining an indication of a power status change that the first transaction device is about to be shut down with power or without power through a preset application or system in the first transaction device includes: using the preset application or system to monitor a broadcast issued by the operating system of the first transaction device that the first transaction device is about to be shut down with power or without power, so as to obtain the indication of a power status change that the first transaction device is about to be shut down with power or without power from the broadcast.

[0010] Optionally, receiving or obtaining an indication of a power status change that the first transaction device is about to be shut down with power or without power through a preset application or system in the first transaction device includes: using the preset application or system in the first transaction device to receive a first notification message issued by an operating system of the first transaction device, the first notification message including an indication of a power status change that the first transaction device is about to be shut down with power or without power.

[0011] Optionally, in response to an indication of a power status change that the first transaction device is about to be shut down with power or without power, activating the digital currency card application device in the first transaction device includes: in response to an indication of a power status change that the first transaction device is about to be shut down with power or without power, sending an activation instruction to a security unit in the first transaction device through the preset application or system to activate the digital currency card application device in the security unit.

[0012] Optionally, after activating the digital currency card application device in the security unit, it also includes: sending a first notification instruction to the digital currency card application device through the preset application or system, indicating that the first transaction device is about to be shut down with power or about to be shut down without power, and the digital currency card application device sets the power status value of the first transaction device to the powered-on shutdown state or the powered-off shutdown state accordingly after receiving the first notification instruction.

[0013] Optionally, the digital currency transaction request is a digital currency payment request; the digital currency card application device in the activated state is used to conduct a digital currency transaction with the second transaction device, including: obtaining the power status value of the first transaction device to confirm that the power status value of the first transaction device indicates a powered-on shutdown state or a non-powered shutdown state, and then paying digital currency to the second transaction device according to the payment rules corresponding to the powered-on shutdown state or the non-powered shutdown state.

[0014] Optionally, paying digital currency to the second transaction device in accordance with the payment rules corresponding to the powered-on state or the non-power-off state includes: obtaining payment restriction conditions in the payment rules corresponding to the powered-on state or the non-power-off state through the digital currency card application device, the payment restriction conditions including one or more of a single payment amount, multiple payment amounts, and a payment times amount; if the payment restriction conditions are not set in the payment rules corresponding to the powered-on state or the non-power-off state, paying the digital currency to the second transaction device without authentication; if the payment restriction conditions have been set in the payment rules corresponding to the powered-on state or the non-power-off state, paying the digital currency to the second transaction device without authentication after determining that the current payment does not exceed the limit of any of the payment restriction conditions that have been set. Optionally, the digital currency transaction request is a digital currency collection request; the digital currency card application device in the activated state is used to conduct a digital currency transaction with the second transaction device, including: using a pre-stored root certificate to verify the signature of the digital currency in the digital currency collection request, and executing the digital currency collection after the signature verification is passed.

[0015] Optionally, before conducting a digital currency transaction with the second transaction device, the process includes: sending a user certificate of the first transaction device to the second transaction device, and receiving a user certificate of the second transaction device sent by the second transaction device, and confirming that identity authentication performed by both the first transaction device and the second transaction device using each other's user certificates is successful.

[0016] According to another aspect of an embodiment of the present invention, a digital currency transaction method is provided.

[0017] A digital currency transaction method is executed in a first transaction device, the method comprising: in response to an indication of a power status change that the first transaction device is about to be powered on, deactivating a digital currency card application device in the first transaction device; wherein, powering on means that the first transaction device is in a powered-on working state, and deactivating the digital currency card application device means placing the digital currency card application device in an inactive state; when the first transaction device is in a powered-on state, in response to a digital currency transaction request sent by a second transaction device, activating the digital currency card application device; and utilizing the activated digital currency card application device to conduct digital currency transactions with the second transaction device.

[0018] Optionally, before responding to the indication of a power status change that the first transaction device is about to be powered on, the response includes: receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power status change that the first transaction device is about to be powered on, wherein the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0019] Optionally, receiving or obtaining an indication of a power status change that the first transaction device is about to be powered on through a preset application or system in the first transaction device includes: monitoring, through the preset application or system, a broadcast that the first transaction device is about to be powered on, issued by an operating system of the first transaction device, so as to obtain the indication of a power status change that the first transaction device is about to be powered on from the broadcast.

[0020] Optionally, receiving or obtaining an indication of a power status change that the first transaction device is about to be powered on through a preset application or system in the first transaction device includes: receiving a second notification message issued by an operating system of the first transaction device through the preset application or system, the second notification message including an indication of a power status change that the first transaction device is about to be powered on.

[0021] Optionally, after receiving or obtaining an indication of a power status change that the first transaction device is about to be powered on through a preset application or system in the first transaction device, and before deactivating the digital currency card application device in the first transaction device, the process includes: sending a second notification instruction to the digital currency card application device of the first transaction device through the preset application or system, indicating that the first transaction device is about to be powered on, and the digital currency card application device sets the power status value of the first transaction device to a powered on state after receiving the second notification instruction.

[0022] Optionally, an activation instruction or a deactivation instruction is sent to a security unit of the first transaction device through the preset application or system to activate or deactivate the digital currency card application device in the security unit accordingly.

[0023] Optionally, the digital currency transaction request is a digital currency payment request; the activating the digital currency card application device in response to the digital currency transaction request sent by the second transaction device includes: responding to the digital currency transaction request sent by the second transaction device, performing user authentication through an authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and activating the digital currency card application device after determining that the user authentication is successful.

[0024] Optionally, the digital currency transaction request is a digital currency payment request; the activating the digital currency card application device in response to the digital currency transaction request sent by the second transaction device includes: in response to the digital currency transaction request sent by the second transaction device, comparing the amount to be paid in the digital currency payment request with a preset authentication-free amount; if the amount to be paid is greater than the preset authentication-free amount, performing user authentication through an authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and activating the digital currency card application device after determining that the user authentication is successful; if the amount to be paid is less than or equal to the preset authentication-free amount, activating the digital currency card application device.

[0025] Optionally, using the digital currency card application device in an activated state to conduct digital currency transactions with the second transaction device includes: using the digital currency card application device in an activated state to pay the digital currency to be paid to the second transaction device, and receiving the collection result returned by the second transaction device through the digital currency card application device in an activated state.

[0026] Optionally, the digital currency transaction request is a digital currency collection request; the digital currency card application device in the activated state is used to conduct a digital currency transaction with the second transaction device, including: using a pre-stored root certificate to verify the signature of the digital currency in the digital currency collection request, and executing the digital currency collection after the signature verification is passed.

[0027] Optionally, before conducting a digital currency transaction with the second transaction device, the process includes: sending a user certificate of the first transaction device to the second transaction device, and receiving a user certificate of the second transaction device sent by the second transaction device, and confirming that identity authentication performed by both the first transaction device and the second transaction device using each other's user certificates is successful.

[0028] Optionally, after activating the digital currency card application device, the method further includes: deactivating the digital currency card application device in any of the following situations: the first transaction device locks the screen; the first transaction device switches the digital currency card application device to other card application devices; the digital currency card application device is in an activated state for more than a predetermined period of time.

[0029] According to yet another aspect of an embodiment of the present invention, a digital currency transaction device is provided.

[0030] A digital currency transaction device is arranged in a first transaction device, and the device includes: a first activation module, which is used to activate a digital currency card application device in the first transaction device in response to a power state change indication that the first transaction device is about to be powered off or about to be powered off; wherein powered off refers to a state in which the first transaction device is powered off but the power supply is sufficient to support a power-on operation, and the power required for the power-on operation is greater than the power required for the NFC chip and SE chip in the first transaction device to work; power-off refers to a state in which the first transaction device is powered off and the power supply is insufficient to support a power-on operation, but can provide power for the NFC chip and SE chip in the first transaction device to work; the first transaction module is used to respond to a digital currency transaction request sent by a second transaction device when the first transaction device is in a powered off or power-off state, and use the activated digital currency card application device to conduct digital currency transactions with the second transaction device.

[0031] Optionally, it also includes a first power state change indication receiving or obtaining module, which is used to: receive or obtain a power state change indication that the first transaction device is about to be shut down with power or without power through a preset application or system in the first transaction device, and the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0032] Optionally, the first power state change indication receiving or obtaining module is also used to: use the preset application or system to monitor the broadcast issued by the operating system of the first transaction device that the first transaction device is about to be shut down with power or about to be shut down without power, so as to obtain the power state change indication that the first transaction device is about to be shut down with power or about to be shut down without power from the broadcast.

[0033] Optionally, the first power state change indication receiving or obtaining module is also used to: use a preset application or system in the first transaction device to receive a first notification message issued by the operating system of the first transaction device, and the first notification message includes a power state change indication that the first transaction device is about to be shut down with power or without power.

[0034] Optionally, the first activation module is also used to: in response to an indication of a power status change that the first transaction device is about to be shut down with power or without power, send an activation instruction to the security unit in the first transaction device through the preset application or system to activate the digital currency card application device in the security unit.

[0035] Optionally, it also includes a first power status value updating module, which is used to: send a first notification instruction to the digital currency card application device through the preset application or system, indicating that the first transaction device is about to be shut down with power or about to be shut down without power, and after receiving the first notification instruction, the digital currency card application device sets the power status value of the first transaction device to the powered-on shutdown state or the powered-off shutdown state accordingly.

[0036] Optionally, the digital currency transaction request is a digital currency payment request; the first transaction module is also used to: obtain the power status value of the first transaction device to confirm that the power status value of the first transaction device indicates a powered-on shutdown state or a non-powered shutdown state, and then pay the digital currency to the second transaction device according to the payment rules corresponding to the powered-on shutdown state or the non-powered shutdown state.

[0037] Optionally, the first transaction module is also used to: obtain the payment restriction conditions in the payment rules corresponding to the powered-off state or the non-powered-off state through the digital currency card application device, and the payment restriction conditions include one or more of a single payment limit, a multiple payment limit, and a payment number limit; if the payment restriction conditions are not set in the payment rules corresponding to the powered-off state or the non-powered-off state, the digital currency is paid to the second transaction device without authentication; if the payment restriction conditions are set in the payment rules corresponding to the powered-off state or the non-powered-off state, after determining that the current payment does not exceed the limit of any of the payment restriction conditions that have been set, the digital currency is paid to the second transaction device without authentication. Optionally, the digital currency transaction request is a digital currency collection request; the first transaction module is also used to: verify the signature of the digital currency in the digital currency collection request using a pre-stored root certificate, and execute the digital currency collection after the signature verification is passed.

[0038] Optionally, it also includes a first authentication module, which is used to: send the user certificate of the first transaction device to the second transaction device, and receive the user certificate of the second transaction device sent by the second transaction device, to confirm that the identity authentication performed by the first transaction device and the second transaction device using each other's user certificates is successful.

[0039] According to yet another aspect of an embodiment of the present invention, a digital currency transaction device is provided.

[0040] A digital currency transaction device is arranged in a first transaction device, and the device includes: a deactivation module, which is used to deactivate a digital currency card application device in the first transaction device in response to an indication of a power status change that the first transaction device is about to be powered on; wherein, powering on means that the first transaction device is in a powered-on working state, and deactivating the digital currency card application device means that the digital currency card application device is in an inactivated state; a second activation module, which is used to activate the digital currency card application device in response to a digital currency transaction request sent by a second transaction device when the first transaction device is in a powered-on state; and a second transaction module, which is used to use the digital currency card application device in an activated state to conduct digital currency transactions with the second transaction device.

[0041] Optionally, it also includes a second power state change indication receiving or obtaining module, which is used to: receive or obtain a power state change indication that the first transaction device is about to be powered on through a preset application or system in the first transaction device, and the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0042] Optionally, the second power state change indication receiving or obtaining module is also used to: monitor, through the preset application or system, the broadcast issued by the operating system of the first transaction device that the first transaction device is about to be powered on, so as to obtain the power state change indication that the first transaction device is about to be powered on from the broadcast.

[0043] Optionally, the second power state change indication receiving or obtaining module is also used to: receive a second notification message issued by the operating system of the first transaction device through the preset application or system, and the second notification message includes a power state change indication that the first transaction device is about to be powered on.

[0044] Optionally, it also includes a second power status value updating module, which is used to: send a second notification instruction to the digital currency card application device of the first transaction device through the preset application or system, indicating that the first transaction device is about to be powered on, and the digital currency card application device sets the power status value of the first transaction device to the powered on state after receiving the second notification instruction.

[0045] Optionally, the deactivation module sends a deactivation instruction to the security unit of the first transaction device through the preset application or system to deactivate the digital currency card application device in the security unit; the second activation module sends an activation instruction to the security unit of the first transaction device through the preset application or system to activate the digital currency card application device in the security unit.

[0046] Optionally, the digital currency transaction request is a digital currency payment request; the second activation module is also used to: respond to the digital currency transaction request sent by the second transaction device, perform user authentication through an authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and activate the digital currency card application device after determining that the user authentication is successful.

[0047] Optionally, the digital currency transaction request is a digital currency payment request; the second activation module is also used to: respond to the digital currency transaction request sent by the second transaction device, compare the amount to be paid in the digital currency payment request with a preset authentication-free amount; if the amount to be paid is greater than the preset authentication-free amount, perform user authentication through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and activate the digital currency card application device after determining that the user authentication is successful; if the amount to be paid is less than or equal to the preset authentication-free amount, activate the digital currency card application device.

[0048] Optionally, the second transaction module is further used to: use the activated digital currency card application device to pay the digital currency to be paid to the second transaction device, and receive the collection result returned by the second transaction device through the activated digital currency card application device.

[0049] Optionally, the digital currency transaction request is a digital currency collection request; the second transaction module is also used to: use a pre-stored root certificate to verify the signature of the digital currency in the digital currency collection request, and execute the digital currency collection after the signature verification is passed.

[0050] Optionally, it also includes a second authentication module, which is used to: send the user certificate of the first transaction device to the second transaction device, and receive the user certificate of the second transaction device sent by the second transaction device, to confirm that the identity authentication performed by the first transaction device and the second transaction device using each other's user certificates is successful.

[0051] Optionally, the deactivation module is also used to deactivate the digital currency card application device in any of the following situations: the first transaction device locks the screen; the first transaction device switches the digital currency card application device to other card application devices; the digital currency card application device is in an activated state for more than a predetermined period of time.

[0052] According to yet another aspect of the embodiments of the present invention, an electronic device is provided.

[0053] An electronic device comprises: one or more processors; a memory for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement the digital currency transaction method provided in an embodiment of the present invention.

[0054] According to yet another aspect of an embodiment of the present invention, a computer readable medium is provided.

[0055] A computer-readable medium stores a computer program, which, when executed by a processor, implements the digital currency transaction method provided in an embodiment of the present invention.

[0056] One embodiment of the above invention has the following advantages or beneficial effects: in response to a power status change indication that the first transaction device is about to shut down with power or shut down without power, the digital currency card application device in the first transaction device is activated; powered shutdown is a state where the first transaction device is powered off but the power supply is sufficient to support the power-on operation, and the power required for the power-on operation of the first transaction device is greater than the power required for the NFC chip and SE chip in the first transaction device to work; power-off is a state where the first transaction device is powered off and the power supply is insufficient to support the power-on operation, but can provide power for the NFC chip and SE chip in the first transaction device to work; when the first transaction device is in a powered-off or power-off state, in response to a digital currency transaction request sent by the second transaction device, the digital currency card application device in the activated state is used to conduct digital currency transactions with the second transaction device. It is possible to achieve safe activation of the digital currency card application device in the scenario of powered-on, powered-off or power-off, and conduct transactions such as digital currency payment and collection.

[0057] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific implementation examples. BRIEF DESCRIPTION OF THE DRAWINGS

[0058] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0059] Figure 1 is a schematic diagram of the main steps of a digital currency transaction method according to an embodiment of the present invention;

[0060] Figure 2 is a schematic diagram of the main steps of a digital currency transaction method according to another embodiment of the present invention;

[0061] Figure 3 It is a schematic diagram of a process of activating a digital currency card application device when a digital currency transaction device is about to shut down due to power failure according to an embodiment of the present invention;

[0062] Figure 4 It is a schematic diagram of a process of removing the activation digital currency card application device when a digital currency transaction device is about to be powered on according to an embodiment of the present invention;

[0063] Figure 5 It is a schematic diagram of a process of paying digital currency when a digital currency transaction device is powered on according to an embodiment of the present invention;

[0064] Figure 6 It is a schematic diagram of a process of paying or receiving digital currency in a digital currency transaction device in a power-off state according to an embodiment of the present invention;

[0065] Figure 7 It is a schematic diagram of the interactive process of paying digital currency when a digital currency transaction device is powered on according to an embodiment of the present invention;

[0066] Figure 8 It is a schematic diagram of the interactive process of paying digital currency when a digital currency transaction device is powered off without electricity according to an embodiment of the present invention;

[0067] Fig. 9 is a schematic diagram of the main components of a first transaction device for digital currency transactions according to an embodiment of the present invention;

[0068] Fig.10 is a schematic diagram of the main components of a first transaction device for digital currency transactions according to another embodiment of the present invention;

[0069] Fig.11 is a schematic diagram of main modules of a digital currency transaction device according to an embodiment of the present invention;

[0070] Fig.12 is a schematic diagram of main modules of a digital currency transaction device according to another embodiment of the present invention;

[0071] Fig.13 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0072] Fig.14 It is a schematic diagram of the structure of a computer system of a terminal device suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0073] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0074] Figure 1 Schematic diagram of the main steps of a digital currency transaction method according to an embodiment of the present invention. Figure 1 As shown, a digital currency transaction method according to an embodiment of the present invention is executed in a first transaction device, and mainly includes the following steps S101 to S102.

[0075] Step S101: in response to a power status change indication that the first transaction device is about to be powered off or about to be powered off, activating a digital currency card application device in the first transaction device;

[0076] Among them, powered-on shutdown refers to a state in which the first transaction device is powered off but the power supply is sufficient to support the power-on operation. The power required for the power-on operation of the first transaction device is greater than the power required for the NFC chip and SE chip in the first transaction device to work. Those skilled in the art can understand that the power supply of the first transaction device in the powered-on shutdown state is also sufficient to power the NFC chip and SE chip in the first transaction device.

[0077] The power-off shutdown is a state where the first transaction device is turned off and the power supply is insufficient to support the boot operation, but it can supply power to the NFC chip and SE chip in the first transaction device. The first transaction device is shut down due to power failure in the weak power state, but the power is not completely cut off at this time, but the voltage is generally around 3.4V. Since the power of NFC (near field communication) is very low, the remaining power of the first transaction device can still supply power to the NFC chip and SE chip when the power is off.

[0078] Step S102: When the first transaction device is in a powered-off or powered-off state, in response to a digital currency transaction request sent by the second transaction device, the digital currency card application device in an activated state performs a digital currency transaction with the second transaction device.

[0079] Since the power supply of the first transaction device is sufficient to power the NFC chip and the SE chip when the first transaction device is powered on or off, the first transaction device can establish a near-field communication connection with the second transaction device. After the two establish the near-field communication connection, the first transaction device can receive the digital currency transaction request sent by the second transaction device.

[0080] Whether the first transaction device is about to be shut down with power or without power may be determined through a preset application or system in the first transaction device.

[0081] Before responding to an indication of a power status change that the first transaction device is about to be shut down with power or without power, an indication of a power status change that the first transaction device is about to be shut down with power or without power can be received or obtained through a preset application or system in the first transaction device, and the preset application or system is one of the following: a trusted execution environment system (TEE system), an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0082] The application of the operating system of the first transaction device refers to the application that comes with the operating system, and the third-party application refers to the application that is installed in addition to the application that comes with the operating system.

[0083] In one embodiment, a preset application or system in the first transaction device is used to receive or obtain an indication of a power status change that the first transaction device is about to be shut down with power or without power, including: using the preset application or system to monitor a broadcast issued by the operating system of the first transaction device that the first transaction device is about to be shut down with power or without power, so as to obtain an indication of a power status change that the first transaction device is about to be shut down with power or without power from the broadcast.

[0084] In another embodiment, a power status change indication that the first transaction device is about to be shut down with power or about to be shut down without power is received or obtained through a preset application or system in the first transaction device, including: using the preset application or system in the first transaction device to receive a first notification message sent by the operating system of the first transaction device, the first notification message including the power status change indication that the first transaction device is about to be shut down with power or about to be shut down without power, and the power status change indication may specifically be in the form of a notification.

[0085] In response to an indication of a power status change that the first transaction device is about to be shut down with power or without power, the digital currency card application device in the first transaction device is activated. Specifically, in response to an indication of a power status change that the first transaction device is about to be shut down with power or without power, an activation instruction can be sent to a security unit (SE) in the first transaction device through a preset application or system to activate the digital currency card application device in the security unit.

[0086] The digital currency card application device can work normally only in the activated state. After the first transaction device is turned on, the digital currency card application device is deactivated, and the deactivated state means that the digital currency card application device is in an inactivated state. According to an embodiment of the present invention, the digital currency card application device is activated when the first transaction device is about to shut down with power or shut down without power, so that the first transaction device can use the activated digital currency card application device to conduct digital currency transactions when it is shut down with power or shut down without power.

[0087] After activating the digital currency card application device in the security unit, a first notification instruction indicating that the first transaction device is about to be powered off or about to be powered off can be sent to the digital currency card application device through a preset application or system. After receiving the first notification instruction, the digital currency card application device sets the power state value of the first transaction device to a powered off state or a powered off state accordingly. That is, if the first notification instruction indicates a powered off state, the power state value is set to a powered off state; if the first notification instruction indicates a powered off state, the power state value is set to a powered off state. The specific content of the first notification instruction can be defined as needed.

[0088] In one embodiment, the first transaction device may be a payment device, the second transaction device may be a payment receiving device, the digital currency transaction request may be a digital currency payment request, and the digital currency transaction may be a digital currency payment.

[0089] Using an activated digital currency card application device to conduct digital currency transactions with a second transaction device, the steps may include: obtaining the power status value of the first transaction device to confirm that the power status value of the first transaction device indicates a powered-on shutdown state or a non-powered-off shutdown state, and then paying digital currency to the second transaction device according to the payment rules corresponding to the powered-on shutdown state or the non-powered-off shutdown state.

[0090] Paying digital currency to the second transaction device in accordance with the payment rules corresponding to the powered-on state or the non-power-off state may specifically include: obtaining payment restriction conditions in the payment rules corresponding to the powered-on state or the non-power-off state through a digital currency card application device, the payment restriction conditions including one or more of a single payment amount, multiple payment amounts, and a payment times amount; if payment restriction conditions are not set in the payment rules corresponding to the powered-on state or the non-power-off state, paying the digital currency to the second transaction device without authentication; if payment restriction conditions are set in the payment rules corresponding to the powered-on state or the non-power-off state, paying the digital currency to the second transaction device without authentication after determining that the current payment does not exceed the limit of any of the payment restriction conditions that have been set.

[0091] If the current payment exceeds at least one of the payment restriction conditions set in the payment rules, the transaction process ends, i.e. the payment is terminated.

[0092] The digital currency card application device can read the power status value of the first transaction device to conduct digital currency transactions with the second transaction device in accordance with the transaction rules corresponding to the power status value. In the scenario where the first transaction device is used as a payment device, the first transaction device is in a powered-off state or a non-powered-off state, and accordingly, the power status value is a powered-off state or a non-powered-off state, then the transaction rules corresponding to the power status value are payment rules corresponding to the powered-off state or the non-powered-off state. In the payment rules corresponding to the powered-off state or the non-powered-off state, one or more payment restriction conditions such as a single payment limit, multiple payment limits, and payment times limit can be set. In the case where the payment rules have set two or more payment restriction conditions, when it is determined that the current payment does not exceed the limit of any payment restriction condition, the digital currency is paid to the second transaction device without authentication. If the limit of one or more payment restriction conditions that have been set is exceeded, the payment is terminated.

[0093] In one example, the payment restriction condition set in the payment rule is a single payment limit. Then, when the amount of digital currency to be paid does not exceed the limit of the single payment limit (that is, the amount to be paid is less than or equal to the single payment limit), the digital currency is paid without authentication. If the amount of digital currency to be paid exceeds the limit of the single payment limit (that is, the amount to be paid is greater than the single payment limit), the transaction process ends, that is, the payment is terminated.

[0094] In another example, the payment restriction conditions set in the payment rules are single payment limit and multiple payment limit. Then, if the single payment amount is less than or equal to the single payment limit, and the cumulative payment amount is less than or equal to the multiple payment limit, the digital currency can be paid without authentication, that is, if the current payment does not exceed the limit of any of the payment restriction conditions that have been set, the digital currency can be paid without authentication. If the single payment amount is greater than the single payment limit or the cumulative payment amount is greater than the multiple payment limits, the transaction process ends, that is, if the current payment exceeds the limit of one or more payment restriction conditions that have been set, the payment is terminated.

[0095] The items to be verified in the current payment information are related to the types of payment restriction conditions set in the payment rules.

[0096] Specifically, if the payment restriction condition is the single payment amount, the item to be verified in the current payment information is the single payment amount to be paid. By comparing the single payment amount to be paid with the single payment amount, it is determined whether the current payment exceeds the limit of the single payment amount. If the single payment amount to be paid is less than or equal to the single payment amount, it does not exceed the single payment amount limit; otherwise, it exceeds the limit.

[0097] If the payment restriction condition is multiple payment limits, the item to be checked in the current payment information is the cumulative payment amount. By comparing the cumulative payment amount with the multiple payment limits, it is determined whether the current payment exceeds the limit of the multiple payment limits. The cumulative payment amount can be obtained by adding the cumulative amount of the authentication-free payment to the amount to be paid for the current payment. If the cumulative payment amount is less than or equal to the multiple payment limits, it does not exceed the multiple payment limit, otherwise it exceeds the limit.

[0098] If the payment restriction condition is the payment number limit, the item to be checked in the current payment information is the cumulative number of payments. By comparing the cumulative number of payments with the payment number limit, it is determined whether the current payment exceeds the payment number limit. The cumulative number of payments includes this payment. If the cumulative number of payments is less than or equal to the payment number limit, it does not exceed the payment number limit, otherwise it exceeds the limit.

[0099] One or more payment restriction conditions, such as single payment limit, multiple payment limit, payment frequency limit, etc., set in the transaction rules corresponding to the power status value are set by the user through the digital currency APP (application) or other methods when the digital currency trading device is powered on.

[0100] The digital currency card application device is different from the digital currency APP. The digital currency card application device runs in the security unit (SE) of the first transaction device, and shares the baseband chip and power supply with the first transaction device, but the operating system between the digital currency card application device and the first transaction device is independent of each other. The operating system between the digital currency card application device and the first transaction device is independent of each other, which means that the digital currency card application device has an independent operating system, namely COS (chip operating system), which is different from the operating system of the first transaction device. The digital currency card application device usually does not have a corresponding user-oriented interface in the payment terminal, while the digital currency APP has a user-oriented interface.

[0101] In another embodiment, the first transaction device may be a payment device, the second transaction device may be a payment device, the digital currency transaction request may be a digital currency payment request, and the digital currency transaction may be a digital currency payment.

[0102] Using the activated digital currency card application device to conduct a digital currency transaction with a second transaction device, the steps may include: using a pre-stored root certificate to verify the signature of the digital currency in the digital currency collection request, and executing the digital currency collection after the signature verification is passed. The root certificate may be issued by the central bank digital currency system.

[0103] In the scenario where the first transaction device is used as a payment device, the first transaction device is in a powered-off state or a non-powered-off state, and accordingly, the power state value is a powered-off state or a non-powered-off state. Then the corresponding transaction rules may include whether to enable the shutdown payment function, and the payment rules when the shutdown payment function is enabled, including receiving the digital currency paid by the payment device, verifying the signature of the digital currency, etc. After the digital currency signature verification is passed, the payment is executed and the payment result is returned. If the digital currency signature verification fails, the transaction process ends.

[0104] The first transaction device, acting as a payment device or a payment receiving device, can send the user certificate of the first transaction device to the second transaction device and receive the user certificate of the second transaction device sent by the second transaction device before conducting a digital currency transaction with the second transaction device, to confirm that the identity authentication performed by both the first transaction device and the second transaction device using each other's user certificates is successful.

[0105] If the identity authentication of either the first transaction device or the second transaction device fails, the transaction process ends.

[0106] The payment device of the embodiment of the present invention is a mobile smart device such as a smart phone, a smart watch, a smart bracelet, an IC card, etc. The payment device is a mobile smart device such as a smart phone, a smart watch, a smart bracelet, a smart POS machine, an IC card, etc.

[0107] The embodiments of the present invention can meet the payment and collection digital currency needs of users who hold mobile smart terminal devices that are powered off and have a security unit SE, and realize authentication-free payment by a security unit digital currency card application device in a power-off state.

[0108] Figure 2 FIG. 1 is a schematic diagram of the main steps of a digital currency transaction method according to another embodiment of the present invention. Figure 2 As shown, a digital currency transaction method according to an embodiment of the present invention is executed in a first transaction device, and mainly includes the following steps S201 to S203.

[0109] Step S201: in response to a power status change indication that the first transaction device is about to be powered on, deactivating the digital currency card application device in the first transaction device;

[0110] The power status change indication that the first transaction device is about to be powered on indicates that the first transaction device is about to be powered on.

[0111] Among them, powering on means that the first transaction device is in a powered-on working state; deactivating the digital currency card application device means that the digital currency card application device is in an inactivated state, in which the digital currency card application device cannot work.

[0112] Step S202: When the first transaction device is powered on, in response to a digital currency transaction request sent by the second transaction device, activating the digital currency card application device;

[0113] Step S203: using the activated digital currency card application device to conduct digital currency transactions with the second transaction device.

[0114] In response to an indication of a power status change that the first transaction device is about to be powered on, an indication of a power status change that the first transaction device is about to be powered on can be received or obtained through a preset application or system in the first transaction device, and the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0115] In one embodiment, the first transaction device can determine that the first transaction device is about to be powered on through a preset application or system in the first transaction device. Specifically, through the preset application or system in the first transaction device, an indication of a power status change that the first transaction device is about to be powered on is received or obtained to determine that the first transaction device is about to be powered on.

[0116] Receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power status change that the first transaction device is about to be powered on, may specifically include: monitoring, through the preset application or system, a broadcast that the first transaction device is about to be powered on, issued by the operating system of the first transaction device, so as to obtain from the broadcast an indication of a power status change that the first transaction device is about to be powered on.

[0117] In another embodiment, a power status change indication that the first transaction device is about to be powered on is received or obtained through a preset application or system in the first transaction device, including: receiving a second notification message sent by the operating system of the first transaction device through the preset application or system, the second notification message including the power status change indication that the first transaction device is about to be powered on.

[0118] After receiving or obtaining an indication of a power status change that the first transaction device is about to be powered on through a preset application or system in the first transaction device, and before deactivating the digital currency card application device in the first transaction device, a second notification instruction indicating that the first transaction device is about to be powered on can be sent to the digital currency card application device of the first transaction device through the preset application or system. After receiving the second notification instruction, the digital currency card application device sets the power status value of the first transaction device to a powered on state.

[0119] An activation instruction or a deactivation instruction may be sent to the security unit of the first transaction device through a preset application or system to activate or deactivate the digital currency card application device in the security unit accordingly. The activation instruction is used to activate the digital currency card application device. The deactivation instruction is used to deactivate the digital currency card application device.

[0120] In one embodiment, the first transaction device is a payment device, the second transaction device is a payment receiving device, and the digital currency transaction request is a digital currency payment request. In response to the digital currency transaction request sent by the second transaction device, the digital currency card application device is activated. The steps may include: in response to the digital currency transaction request sent by the second transaction device, user authentication is performed through an authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and after determining that the user authentication is successful, the digital currency card application device is activated.

[0121] In another embodiment, the first transaction device is a payment device, the second transaction device is a payment receiving device, and the digital currency transaction request is a digital currency payment request. In response to the digital currency transaction request sent by the second transaction device, the digital currency card application device is activated, and the steps may include: in response to the digital currency transaction request sent by the second transaction device, the amount to be paid in the digital currency payment request is compared with the preset authentication-free amount; if the amount to be paid is greater than the preset authentication-free amount, the user is authenticated through the authentication interface in one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and after determining that the user authentication is successful, the digital currency card application device is activated; if the amount to be paid is less than or equal to the preset authentication-free amount, the digital currency card application device is activated.

[0122] In the above embodiment, when user authentication is performed, if the user authentication is unsuccessful, the digital currency card application device is not activated and the transaction process ends.

[0123] The user authentication operation can be performed by the authentication module of the first transaction device, and the authentication module can be implemented based on the payment tool in the first transaction device. The payment tool can be a convenient mobile payment tool based on an NFC chip. Taking a mobile phone as an example, the payment tool is such as mobile phone PAY. The first transaction device establishes a near field communication connection with the second transaction device and receives a digital currency transaction request sent by the second transaction device.

[0124] The steps of using the activated digital currency card application device to conduct a digital currency transaction with the second transaction device may include: using the activated digital currency card application device to pay the digital currency to be paid to the second transaction device, and receiving the collection result returned by the second transaction device through the activated digital currency card application device. In another embodiment, the first transaction device is a collection device, the second transaction device is a payment device, and the digital currency transaction request is a digital currency collection request.

[0125] Using the activated digital currency card application device to conduct digital currency transactions with the second transaction device, the steps may include: using a pre-stored root certificate to verify the signature of the digital currency in the digital currency collection request, and executing the digital currency collection after the signature verification is passed.

[0126] Before conducting a digital currency transaction with a second transaction device, the user certificate of the first transaction device can be sent to the second transaction device, and the user certificate of the second transaction device sent by the second transaction device can be received to confirm that the identity authentication performed by the first transaction device and the second transaction device using the user certificate of the other party has passed. If the identity authentication of either party fails, the entire process is terminated, that is, the subsequent process of the transaction is not executed.

[0127] The digital currency card application device is specifically arranged in the security unit (SE) of the first transaction device. The digital currency card application device shares a baseband chip and a power supply with the first transaction device, but the operating system between the digital currency card application device and the first transaction device is independent of each other.

[0128] When the first transaction device is powered on, a digital currency transaction is performed with the second transaction device using the activated digital currency card application device. Specifically, after the first transaction device is powered on and the digital currency card application device is activated, the digital currency card application device obtains the power status value of the first transaction device to perform digital currency transactions with the second transaction device in accordance with transaction rules corresponding to the power status value.

[0129] In the scenario where the first transaction device is used as a payment device, the first transaction device is in a powered-on state, and accordingly, the power state value is in a powered-on state, then digital currency payment is made according to the transaction rules corresponding to the powered-on state. Specifically, when the first transaction device is in a powered-on state, authentication payment or authentication-free payment can be made. For example, when the amount to be paid is greater than the preset authentication-free limit, the user needs to be authenticated. If the authentication is passed, the digital currency is paid. If the authentication is not passed, the transaction process ends, that is, the payment is terminated; when the amount to be paid is less than or equal to the preset authentication-free limit, authentication-free payment can be made.

[0130] Preferably, the total amount of multiple authentication-free payments (or multiple payment amounts) can also be set. When the single amount to be paid is less than or equal to the authentication-free amount, and the cumulative payment amount is less than or equal to the total amount of authentication-free payment, authentication-free payment can be made. If the single amount to be paid is greater than the authentication-free amount and the cumulative payment amount is greater than the total amount of authentication-free payment, user authentication is required.

[0131] The total amount of authentication-free payment, the amount of a single payment, the number of payments (or the amount of payment times), etc. are set by the user through the digital currency APP or other methods when the digital currency trading device is powered on.

[0132] In the scenario where the first transaction device serves as a payment receiving device, digital currency payment is received in accordance with the transaction rules corresponding to powering on, including receiving digital currency paid by the payment device, verifying the signature of the digital currency, etc. After the digital currency signature verification is passed, payment is executed and the payment result is returned.

[0133] Before the first transaction device, as a payment device or a receiving device, pays digital currency to the second transaction device or receives digital currency paid by the second transaction device, it first sends its respective user certificates to the second transaction device. Both parties use the user certificates sent by the other party to verify the user identity of the other party. After the user identity authentication of both parties is passed, the digital currency payment or collection transaction is carried out.

[0134] After the digital currency card application device is activated, the digital currency card application device may be deactivated in any of the following situations: the first transaction device locks the screen; the first transaction device switches the digital currency card application device to another card application device; the digital currency card application device is in an activated state for a time period exceeding a predetermined time period. The other card application device may be a digital currency card application device of another type different from the current digital currency card application device, or may be a card application device other than the digital currency card application device, such as a bus card application device.

[0135] The digital currency card application device of the security unit of the embodiment of the present invention can store the power status of the first transaction device. When the power status of the first transaction device changes due to power failure or power on, or other status changes, the power status changes of the mobile smart device can be monitored by systems such as TEE outside the security unit SE, and instructions can be sent to notify the security unit SE of the power status of the digital currency card application device.

[0136] The security unit of the embodiment of the present invention can also store digital currency. For example, digital currency transaction devices such as smart phones, smart watches, smart bracelets, IC cards, etc. can store digital currency through the security unit SE when they are shut down without power.

[0137] Figure 31 is a flow chart of activating a digital currency card application device when a digital currency transaction device is about to shut down due to power failure according to an embodiment of the present invention. Figure 3 As shown, the digital currency transaction device is the first transaction device in the embodiment of the present invention. Taking a mobile smart device as an example, it can be a smart phone, a smart watch, a smart bracelet, a smart POS machine, etc. The process includes:

[0138] Step S301: When the mobile smart device is about to shut down due to power failure, the TEE system of the mobile smart device monitors that the mobile smart device is about to shut down due to power failure, or the operating system of the mobile smart device sends a notification to the TEE system that the mobile smart device is about to shut down due to power failure.

[0139] TEE is the abbreviation of Trusted Execution Environment, which is trusted execution environment.

[0140] Step S302: The TEE system sends an activation instruction for activating the digital currency card application device to the security unit to activate the digital currency card application device of the security unit SE, and sends a notification instruction to notify the digital currency card application device that the mobile smart device will be shut down due to power failure.

[0141] The instruction for notifying the digital currency card application device that the mobile smart device is about to shut down due to power failure is a custom instruction.

[0142] Step S303: the digital currency card application device of the security unit SE sets the power state value of the mobile smart device to a power-off state.

[0143] Those skilled in the art may understand that, in another embodiment, by referring to the above process, the shutdown without power is replaced with the shutdown with power, and a process of activating the digital currency card application device when the digital currency transaction device is about to be shut down with power can be obtained. In the process of activating the digital currency card application device when the digital currency transaction device is shut down with power, the digital currency card application device of the security unit SE finally sets the power status value to the shutdown state with power.

[0144] Figure 4 This is a schematic diagram of the process of removing the activation digital currency card application device when the digital currency transaction device is about to be powered on according to an embodiment of the present invention. Figure 4 As shown, the digital currency transaction device takes a mobile smart device as an example. The process of removing the activation digital currency card application device in this embodiment includes:

[0145] Step S401: When the mobile smart device is about to be powered on, the TEE system of the mobile smart device monitors that the mobile smart device is about to be powered on, or the operating system of the mobile smart device sends a notification to the TEE system that the mobile smart device is about to be powered on.

[0146] Step S402: The TEE system sends a notification instruction to notify the digital currency card application device of the security unit SE that the mobile smart device is about to be powered on, and the digital currency card application device of the security unit SE sets the power state value of the mobile smart device to the powered on state;

[0147] Step S403: The TEE system sends an instruction to remove the activated digital currency card application device to the security unit SE to remove the activated digital currency card application device of the security unit SE.

[0148] Figure 5 FIG. 1 is a flow chart of a digital currency transaction device paying digital currency in a powered on state according to an embodiment of the present invention. Figure 5 As shown, the digital currency transaction device specifically takes a mobile smart device as an example, and the mobile smart device is a payment device. The payment device can be a POS machine, etc. The specific process of this embodiment includes:

[0149] Step S501: When the mobile smart device is powered on and uses digital currency to pay, user authentication is performed.

[0150] Users can select digital currency cards as payment cards on the UI interface of mobile smart devices, and perform user authentication through one of the authentication methods such as fingerprint, face, iris, voiceprint, gesture, password, etc. on its UI interface.

[0151] Step S502: After authentication is passed, the TEE system is notified to send an instruction to activate the digital currency card application device to the security unit SE;

[0152] Step S503: The payment device and the payment device send their respective user certificates to each other for identity authentication by the other party. After the identity authentication of both parties is passed, the mobile smart device sends the digital currency of payment to the payment device.

[0153] Figure 6 FIG. 1 is a flow chart of a digital currency transaction device paying or receiving digital currency in a power-off state according to an embodiment of the present invention. Figure 6 As shown, the digital currency transaction device can be a payment device or a payment receiving device.

[0154] Step S601: When the digital currency transaction device is without power to pay or receive digital currency, the digital currency card application device of the digital currency transaction device security unit SE is in an activated state, the digital currency transaction device is in a black screen state, and the receiving and paying devices send user certificates to each other for identity authentication;

[0155] Step S602: After identity authentication is passed, the payment device sends digital currency to the payment device.

[0156] When the digital currency trading device is used as a payment device, the digital currency trading device pays digital currency in accordance with the payment rules corresponding to the power-off state when it is powered off. The authentication-free payment can only be made when the authentication-free conditions are met, otherwise the payment process terminates. The authentication-free conditions include, for example, the amount to be paid is less than or equal to the single authentication-free payment amount and / or the cumulative authentication-free payment amount is less than or equal to the total amount of authentication-free payment, etc. The total amount of authentication-free payment, the single authentication-free payment amount, and the number of payments set in the payment rules corresponding to the power-off state are set by the user through the digital currency APP or other methods when the digital currency trading device is powered on or when the device is about to be powered off.

[0157] The above process of this embodiment is also applicable to paying or receiving digital currency when the digital currency trading device is powered off.

[0158] Figure 7 1 is a schematic diagram of the interactive process of paying digital currency when a digital currency transaction device is powered on according to an embodiment of the present invention. Figure 7 As shown, the digital currency POS machine is a POS machine used for collecting digital currency, which is a collection device. Digital currency transaction devices include mobile smart devices such as mobile phone terminals. This embodiment takes the mobile phone terminal as an example for explanation. In this embodiment, the mobile phone terminal is used for digital currency payment and is a payment device. The mobile phone terminal includes a mobile phone PAY, SE (security unit) and a digital currency card application device that can run on the security unit, and a communication module of the mobile phone terminal (such as an NFC module), wherein the mobile phone PAY is a payment tool of the mobile phone terminal, which can be used as an authentication module for user authentication. The process of this embodiment includes:

[0159] Step S701: Enter the amount of digital currency to be collected on the digital currency POS payment receiving side to initiate payment;

[0160] Step S702: The mobile phone terminal touches the digital currency POS machine to prepare for payment;

[0161] Specifically, the mobile phone terminal establishes a connection with the digital currency POS machine by receiving the NFC field strength.

[0162] Step S703: mobile phone PAY card pop-up on the mobile phone terminal (the payment card page will pop up automatically when the mobile phone is powered on and paying);

[0163] Step S704: The mobile phone PAY switches to the digital currency card and displays the authentication page, and the user performs authentication on the authentication page;

[0164] Step S705: Mobile phone PAY determines whether the authentication is successful;

[0165] If the authentication is successful, proceed to step S706, otherwise the payment process ends.

[0166] Step S706: After the authentication is passed, the mobile phone PAY notifies the TEE system to send an instruction to activate the digital currency card application device to the security unit SE to activate the digital currency card application device;

[0167] Step S707: The security unit determines whether the activation is successful;

[0168] If the activation is successful, proceed to step S708, otherwise the payment process ends.

[0169] Step S708: After the digital currency card application device is activated, read the power status value;

[0170] Before reading the power status value, the receiving and payment devices can first exchange user certificates to verify the legitimacy of each other's user identities. After the authentication is passed, the power status value can be read. If the authentication fails, the payment process can be terminated.

[0171] Step S709: the payment device sends digital currency to the payment device for payment;

[0172] Step S710: the payment receiving device receives payment;

[0173] Specifically, the digital currency POS machine uses the root certificate to verify the signature of the received digital currency to verify the authenticity of the digital currency. If the verification is passed, the payment is received. The root certificate can be issued by the central bank digital currency system.

[0174] Step S711: The payment receiving device displays and notifies the digital currency card application device of the payment device of the payment result.

[0175] Step S712: The digital currency card application device of the payment device receives the payment result;

[0176] Step S713: the digital currency card application device of the payment device reports the HCI (Host Control Interface Protocol) message of the corresponding payment result to the mobile phone PAY based on the payment result;

[0177] Step S714: Mobile PAY displays the payment result.

[0178] In this embodiment, when a mobile smart device such as a mobile phone terminal is locked, the digital currency card application is switched, or the digital currency card application device is in an activated state for more than a predetermined period of time, the mobile phone PAY can notify the TEE system to send an instruction to the security unit to remove the activation of the digital currency card application device.

[0179] Figure 8 1 is a schematic diagram of the interactive process of paying digital currency when a digital currency transaction device is powered off and without electricity according to an embodiment of the present invention. Figure 8As shown, the digital currency POS is a POS machine used for collecting digital currency payments, which is a payment device. Digital currency transaction devices are mobile smart devices such as mobile phone terminals. This embodiment takes the mobile phone terminal as an example for explanation. In this embodiment, the mobile phone terminal is used for digital currency payment and is a payment device. The mobile phone terminal includes an SE (security unit) and a digital currency card application device that can run on the security unit, and also includes a communication module of the mobile phone terminal. When the power is off without electricity, the digital currency transaction device is in a black screen state. The process of this embodiment includes:

[0180] Step S801: receiving the input digital currency amount to be collected at the digital currency POS machine receiving side, and initiating payment;

[0181] Step S802: The mobile phone terminal touches the digital currency POS to prepare for payment;

[0182] Specifically, the mobile phone terminal establishes a connection with the digital currency POS by receiving the NFC field strength.

[0183] The receiving and paying devices can exchange user certificates to verify the legitimacy of each other's user identities. After the user certificate verification is passed, step S803 is performed. If either party's user identity verification fails, the transaction process ends, that is, the payment is terminated.

[0184] Step S803: The digital currency card application device of the security unit reads the power status value of the mobile phone terminal. If the power status value is no power off, payment is made according to the payment rules corresponding to no power off;

[0185] Step S804: the payment device sends digital currency to the payment device for payment;

[0186] Step S805: The payment receiving device verifies the signature of the received digital currency with the root certificate to verify the authenticity of the digital currency. If the verification is successful, the payment is received;

[0187] The root certificate can be issued by the central bank digital currency system. If the verification fails, the transaction ends.

[0188] Step S806: The payment receiving device displays and returns the payment result to the digital currency card application device of the security unit of the payment device.

[0189] Step S807: The digital currency card application device of the security unit of the payment device receives the payment result.

[0190] The above process is also applicable to the scenario where the digital currency transaction device is powered off and the digital currency is paid.

[0191] The digital currency transaction device of the embodiment of the present invention can also be used as a payment receiving device, and is used in digital currency payment receiving scenarios in the power-on state, the power-off state, or the power-off state. When the payment receiving device receives digital currency in the power-off state or the power-off state, the digital currency card application device of the security unit SE of the payment receiving device is activated, the payment receiving device has a black screen, and after the payment and receiving devices send user certificates to each other and authenticate their identities, the payment receiving device receives the digital currency.

[0192] When collecting digital currency in a powered-on state, after the first transaction device is turned on, before conducting a digital currency transaction, the first transaction device and the second transaction device first establish a communication connection, and after the communication connection is established, the digital currency card application device is first activated, and then the digital currency is collected.

[0193] Fig. 9 FIG. 1 is a schematic diagram of the main components of a first transaction device for digital currency transactions according to an embodiment of the present invention. Fig. 9 As shown, a first transaction device 900 for digital currency transaction according to an embodiment of the present invention includes: a preset application or system 901 and a digital currency card application device 902 .

[0194] The preset application or system 901 is used to activate the digital currency card application device when the first transaction device 900 is about to be powered off or about to be powered off, and the digital currency card application device is located in the first transaction device;

[0195] The digital currency card application device 902 is used to perform digital currency transactions with the second transaction device in an activated state.

[0196] The first transaction device 900 may further include a communication module, which is used to establish a communication connection with the second transaction device when the first transaction device 900 is powered on or powered off.

[0197] The preset application or system 901 may also be used to determine whether the first transaction device is about to be shut down with power or about to be shut down without power.

[0198] The preset application or system 901 may be one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0199] In one embodiment, the preset application or system 901 determines that the first transaction device 900 is about to be shut down with power or without power by monitoring the broadcast that the first transaction device 900 is about to be shut down with power or without power.

[0200] In another embodiment, the preset application or system 901 determines that the first transaction device 900 is about to be shut down with power or without power by receiving a first notification message sent by the operating system of the first transaction device 900, and the first notification message includes a notification that the first transaction device 900 is about to be shut down with power or without power.

[0201] The digital currency card application device 902 is located in the security unit of the first transaction device 900 .

[0202] When the first transaction device 900 is about to be shut down with power or without power, the preset application or system 901 sends an activation instruction to the security unit to activate the digital currency card application device 902 of the security unit.

[0203] When the first transaction device 900 is about to be shut down with power or about to be shut down without power, the preset application or system 901 sends a first notification instruction to the digital currency card application device 902 indicating that the first transaction device 900 is about to be shut down with power or about to be shut down without power. After receiving the first notification instruction, the digital currency card application device 902 sets the power status value of the first transaction device to the powered-on shutdown state or the powered-off shutdown state accordingly.

[0204] After the first transaction device 900 is shut down with power or without power, a communication connection is established with the second transaction device through the communication module, and the digital currency card application device 902 reads the power status value of the first transaction device 900 to conduct digital currency transactions with the second transaction device according to the transaction rules corresponding to the power status value.

[0205] It should be noted that the first transaction device 900 of the embodiment of the present invention can be a mobile smart device such as a smart phone, a smart watch, a smart bracelet, a smart POS machine, etc. Other common functions of the above-mentioned various mobile smart devices belong to the conventional technologies of the corresponding mobile smart devices, and are omitted in the embodiment of the present invention.

[0206] Fig.10 FIG. 1 is a schematic diagram of the main components of a first transaction device for digital currency transactions according to another embodiment of the present invention. Fig.10 As shown, a first transaction device 1000 for digital currency transaction according to an embodiment of the present invention includes: a preset application or system 1001 and a digital currency card application device 1002 .

[0207] A preset application or system 1001 is used to activate the digital currency card application device 1002 when a preset activation condition is met after the first transaction device 1000 is turned on. The digital currency card application device 1002 is located in the first transaction device 1000;

[0208] The digital currency card application device 1002 is used to perform digital currency transactions with the second transaction device when the first transaction device 1000 is powered on and the digital currency card application device 1002 is in an activated state.

[0209] In one embodiment, the first transaction device 1000 is a payment device. The first transaction device 1000 also includes a first communication module and an authentication module, wherein: the first communication module is used to establish a communication connection with the second transaction device after the first transaction device is turned on and before conducting a digital currency transaction; the authentication module is used to perform a user authentication operation.

[0210] After determining that the user authentication is successful, the digital currency card application device 1002 of the security unit is activated according to the activation instruction of the preset application or system 1001.

[0211] In another embodiment, the first transaction device 1000 is a payment device. The first transaction device 1000 also includes a second communication module, which is used to: after the first transaction device 1000 is turned on and before conducting a digital currency transaction, establish a communication connection with the second transaction device; the security unit activates the digital currency card application device 1002 after the communication connection is established.

[0212] The security unit can also be used to: before the first transaction device 1000 is turned on, when it is in a powered-off state or a power-off state, deactivate the digital currency card application device 1002 when it is about to be powered on.

[0213] The first transaction device 1000 may further include a preset application or system 1001 for determining that the first transaction device 1000 is about to be powered on, the preset application or system 1001 being one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

[0214] In one embodiment, the preset application or system 1001 determines that the first transaction device 1000 is about to be powered on by monitoring a broadcast indicating that the first transaction device 1000 is about to be powered on.

[0215] In another embodiment, the preset application or system 1001 determines that the first transaction device 1000 is about to be powered on by receiving a second notification message sent by the operating system of the first transaction device 1000, and the second notification message includes a notification that the first transaction device 1000 is about to be powered on.

[0216] The digital currency card application device 1002 is located in the security unit. When the first transaction device 1000 is about to be powered on, the preset application or system 1001 is also used to send a second notification instruction to the digital currency card application device 1002 indicating that the first transaction device 1000 is about to be powered on. After receiving the second notification instruction, the digital currency card application device 1002 sets the power state value of the first transaction device 1000 to the powered on state.

[0217] When the first transaction device 1000 is powered on and the digital currency card application device 1002 is activated, the digital currency card application device 1002 obtains the power status value of the first transaction device 1000 to conduct digital currency transactions with the second transaction device according to the transaction rules corresponding to the power status value.

[0218] In one embodiment, the security unit is also used to: deactivate the digital currency card application device 1002 in any of the following situations: the first transaction device locks the screen; the first transaction device switches the digital currency card application device 1002 to other card applications; the digital currency card application device 1002 is in an activated state for more than a predetermined period of time.

[0219] The preset application or system 1001 is also used to send a deactivation instruction to the security unit to deactivate the digital currency card application device 1002 of the security unit.

[0220] The preset application or system 1001 is also used to send an activation instruction to the security unit to activate the digital currency card application device 1002 of the security unit.

[0221] It should be noted that the first transaction device 1000 of the embodiment of the present invention can be a mobile smart device such as a smart phone, a smart watch, a smart bracelet, a smart POS, etc. Other common functions of the above-mentioned various mobile smart devices belong to the conventional technologies of the corresponding mobile smart devices, and are omitted in the embodiment of the present invention.

[0222] In addition, the specific implementation content of the first transaction device in the embodiment of the present invention has been described in detail in the above digital currency transaction method, so the repeated content will not be described here.

[0223] Fig.11 Schematic diagram of the main modules of a digital currency transaction device according to an embodiment of the present invention. Fig.11 As shown, a digital currency transaction apparatus 1100 according to an embodiment of the present invention is arranged in a first transaction device, and the digital currency transaction apparatus 1100 mainly includes: a first activation module 1101 and a first transaction module 1102 .

[0224] The first activation module 1101 is used to activate the digital currency card application device in the first transaction device in response to a power state change indication that the first transaction device is about to be powered off or about to be powered off, wherein the powered off means that the first transaction device is powered off but the power supply is sufficient to support the power-on operation; the power-off means that the first transaction device is powered off and the power supply is insufficient to support the power-on operation, but can supply power to the NFC chip and SE chip in the first transaction device;

[0225] The first transaction module 1102 is used to respond to a digital currency transaction request sent by a second transaction device when the first transaction device is in a powered-off or powered-off state, and to perform a digital currency transaction with the second transaction device using an activated digital currency card application device.

[0226] The digital currency trading device 1100 may also include a first power state change indication receiving or obtaining module, which is used to: receive or obtain a power state change indication that the first trading device is about to be shut down with power or about to be shut down without power through a preset application or system in the first trading device, the preset application or system being one of the following: a trusted execution environment system, an application of the operating system of the first trading device, or a third-party application of the first trading device.

[0227] In one embodiment, the first power state change indication receiving or obtaining module is also used to: utilize a preset application or system to monitor the broadcast issued by the operating system of the first transaction device that the first transaction device is about to be shut down with power or about to be shut down without power, so as to obtain the power state change indication that the first transaction device is about to be shut down with power or about to be shut down without power from the broadcast.

[0228] In another embodiment, the first power state change indication receiving or obtaining module is also used to: utilize a preset application or system in the first transaction device to receive a first notification message issued by the operating system of the first transaction device, the first notification message including a power state change indication that the first transaction device is about to be shut down with power or without power.

[0229] The first activation module 1101 can be specifically used for: in response to an indication of a power status change that the first transaction device is about to shut down with power or without power, sending an activation instruction to the security unit in the first transaction device through a preset application or system to activate the digital currency card application device in the security unit.

[0230] The digital currency transaction device 1100 may also include a first power status value update module, which is used to: send a first notification instruction to the digital currency card application device through a preset application or system, indicating that the first transaction device is about to be shut down with power or about to be shut down without power. After receiving the first notification instruction, the digital currency card application device sets the power status value of the first transaction device to the powered-on shutdown state or the powered-off shutdown state accordingly.

[0231] In one embodiment, the digital currency transaction request is a digital currency payment request; the first transaction module 1102 can be specifically used to: obtain the power status value of the first transaction device to confirm that the power status value of the first transaction device indicates a powered-on shutdown state or a non-powered shutdown state, and then pay the digital currency to the second transaction device according to the payment rules corresponding to the powered-on shutdown state or the non-powered shutdown state.

[0232] The first transaction module 1102 can also be specifically used for: obtaining payment restriction conditions in the payment rules corresponding to the powered-off state or the non-powered-off state through the digital currency card application device, the payment restriction conditions including one or more of a single payment amount, multiple payment amounts, and payment times amount; if the payment restriction conditions are not set in the payment rules corresponding to the powered-off state or the non-powered-off state, the digital currency is paid to the second transaction device without authentication; if the payment restriction conditions are set in the payment rules corresponding to the powered-off state or the non-powered-off state, after determining that the current payment does not exceed the limit of the payment restriction conditions, the digital currency is paid to the second transaction device without authentication.

[0233] In another embodiment, the digital currency transaction request is a digital currency payment request; the first transaction module 1102 can be specifically used to: use a pre-stored root certificate to verify the signature of the digital currency in the digital currency payment request, and execute the digital currency payment after the signature verification is passed.

[0234] The digital currency transaction device 1100 may also include a first authentication module, which is used to: send the user certificate of the first transaction device to the second transaction device, and receive the user certificate of the second transaction device sent by the second transaction device, to confirm that the identity authentication performed by the first transaction device and the second transaction device using each other's user certificates is successful.

[0235] Fig.12 FIG. 1 is a schematic diagram of the main modules of a digital currency transaction device according to another embodiment of the present invention. Fig.12 As shown, the digital currency transaction apparatus 1200 of this embodiment is arranged in the first transaction device, and the digital currency transaction apparatus 1200 may mainly include: a removal activation module 1201 , a second activation module 1202 , and a second transaction module 1203 .

[0236] The deactivation module 1201 is used to deactivate the digital currency card application device in the first transaction device in response to a power state change indication that the first transaction device is about to be powered on; wherein the power on means that the first transaction device is in a powered on working state, and the deactivation of the digital currency card application device means that the digital currency card application device is in an inactive state;

[0237] The second activation module 1202 is used to activate the digital currency card application device in response to a digital currency transaction request sent by the second transaction device when the first transaction device is powered on;

[0238] The second transaction module 1203 is used to utilize the activated digital currency card application device to perform digital currency transactions with the second transaction device.

[0239] The digital currency trading device 1200 may also include a second power state change indication receiving or obtaining module, which is used to: receive or obtain a power state change indication that the first trading device is about to be powered on through a preset application or system in the first trading device, the preset application or system being one of the following: a trusted execution environment system, an application of the operating system of the first trading device, or a third-party application of the first trading device.

[0240] In one embodiment, the second power state change indication receiving or obtaining module can be specifically used for: monitoring the broadcast of the operating system of the first transaction device indicating that the first transaction device is about to be powered on through a preset application or system, so as to obtain the power state change indication that the first transaction device is about to be powered on from the broadcast.

[0241] In another embodiment, the second power state change indication receiving or obtaining module can be specifically used to: receive a second notification message issued by the operating system of the first transaction device through a preset application or system, and the second notification message includes an indication of a power state change that the first transaction device is about to be powered on.

[0242] The digital currency transaction device 1200 may also include a second power status value updating module, which is used to: send a second notification instruction to the digital currency card application device of the first transaction device through a preset application or system, indicating that the first transaction device is about to be powered on, and the digital currency card application device sets the power status value of the first transaction device to a powered on state after receiving the second notification instruction.

[0243] The deactivation module 1201 sends a deactivation instruction to the security unit of the first transaction device through a preset application or system to deactivate the digital currency card application device in the security unit;

[0244] The second activation module 1202 sends an activation instruction to the security unit of the first transaction device through a preset application or system to activate the digital currency card application device in the security unit.

[0245] In one embodiment, the digital currency transaction request is a digital currency payment request; the second activation module 1202 is specifically used to: respond to the digital currency transaction request sent by the second transaction device, perform user authentication through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and activate the digital currency card application device after determining that the user authentication is successful.

[0246] The second activation module 1202 is also specifically used for: responding to the digital currency transaction request sent by the second transaction device, comparing the amount to be paid in the digital currency payment request with the preset authentication-free limit; if the amount to be paid is greater than the preset authentication-free limit, performing user authentication through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password, and activating the digital currency card application device after determining that the user authentication is successful; if the amount to be paid is less than or equal to the preset authentication-free limit, activating the digital currency card application device.

[0247] The second transaction module 1203 is specifically used to: use the activated digital currency card application device to pay the digital currency to be paid to the second transaction device, and receive the collection result returned by the second transaction device through the activated digital currency card application device.

[0248] In another embodiment, the digital currency transaction request is a digital currency payment request; the second transaction module 1203 is specifically used to: use a pre-stored root certificate to verify the signature of the digital currency in the digital currency payment request, and execute the digital currency payment after the signature verification is passed.

[0249] The digital currency transaction device 1200 may also include a second authentication module, which is used to: send the user certificate of the first transaction device to the second transaction device, and receive the user certificate of the second transaction device sent by the second transaction device, to confirm that the identity authentication performed by the first transaction device and the second transaction device using each other's user certificates is successful.

[0250] The deactivation module 1201 can also be used to deactivate the digital currency card application device in any of the following situations: the first transaction device locks the screen; the first transaction device switches the digital currency card application device to other card application devices; the digital currency card application device is in an activated state for more than a predetermined period of time.

[0251] Fig.13 An exemplary system architecture 1300 is shown to which a digital currency transaction method or a digital currency transaction device according to an embodiment of the present invention can be applied.

[0252] like Fig.13 As shown, system architecture 1300 may include terminal devices 1301, 1302, 1303, network 1304 and server 1305. Network 1304 is used to provide a medium for communication links between terminal devices 1301, 1302, 1303 and server 1305. Network 1304 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0253] Users can use terminal devices 1301, 1302, and 1303 to interact with server 1305 through network 1304 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 1301, 1302, and 1303, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0254] The terminal devices 1301 , 1302 , and 1303 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.

[0255] The server 1305 may be a server that provides various services, such as a backend management server (only an example) that provides support for shopping websites browsed by users using the terminal devices 1301, 1302, and 1303. The backend management server may analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information - only an example) to the terminal device.

[0256] It should be noted that the digital currency transaction method provided in the embodiment of the present invention is generally executed by the terminal devices 1301 , 1302 , and 1303 , and accordingly, the digital currency transaction apparatus is generally provided in the terminal devices 1301 , 1302 , and 1303 .

[0257] It should be understood that Fig.13 The number of terminal devices, networks and servers in the embodiment is only for illustration. Any number of terminal devices, networks and servers may be provided according to implementation requirements.

[0258] Reference below Fig.14 , which shows a schematic diagram of the structure of a computer system 1400 of a terminal device suitable for implementing an embodiment of the present application. Fig.14 The terminal device shown is merely an example and should not bring any limitation to the functions and scope of use of the embodiments of the present application.

[0259] like Fig.14As shown, the computer system 1400 includes a central processing unit (CPU) 1401, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1402 or a program loaded from a storage part 1408 into a random access memory (RAM) 1403. In the RAM 1403, various programs and data required for the operation of the system 1400 are also stored. The CPU 1401, the ROM 1402, and the RAM 1403 are connected to each other via a bus 1404. An input / output (I / O) interface 1405 is also connected to the bus 1404.

[0260] The following components are connected to the I / O interface 1405: an input section 1406 including a keyboard, a mouse, etc.; an output section 1407 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1408 including a hard disk, etc.; and a communication section 1409 including a network interface card such as a LAN card, a modem, etc. The communication section 1409 performs communication processing via a network such as the Internet. A drive 1410 is also connected to the I / O interface 1405 as needed. A removable medium 1411, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1410 as needed, so that a computer program read therefrom is installed into the storage section 1408 as needed.

[0261] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the main step schematic diagram can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the main step schematic diagram. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1409, and / or installed from the removable medium 1411. When the computer program is executed by the central processing unit (CPU) 1401, the above-mentioned functions defined in the system of the present application are executed.

[0262] It should be noted that the computer-readable medium shown in the present invention can be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media can include, but are not limited to: an electrical connection with one or more wires, a portable computer 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 device, a magnetic storage device, or any suitable combination of the above. In the present application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present application, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal can take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0263] The main step schematic diagram and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present application. In this regard, each box in the main step schematic diagram or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or the main step schematic diagram, and the combination of the boxes in the block diagram or the main step schematic diagram can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0264] The modules or units involved in the embodiments of the present invention may be implemented in software or hardware. The modules or units described may also be arranged in a processor, for example, may be described as: a processor includes a first activation module and a first transaction module. The names of these modules or units do not constitute limitations on themselves in certain circumstances, for example, the first activation module may also be described as "a module for activating a digital currency card application device in the first transaction device in response to an indication of a power status change that the first transaction device is about to shut down with power or about to shut down without power".

[0265] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently and not be assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes: in response to the power state change indication that the first transaction device is about to be powered off or about to be powered off, activating the digital currency card application device in the first transaction device; wherein the powered off is the state in which the first transaction device is powered off but the power supply is sufficient to support the power-on operation, and the power required for the power-on operation is greater than the power required for the NFC chip and SE chip in the first transaction device to work; the power-off is the state in which the first transaction device is powered off and the power supply is insufficient to support the power-on operation, but can power the NFC chip and SE chip in the first transaction device; when the first transaction device is in the powered off or power-off state, in response to the digital currency transaction request sent by the second transaction device, the digital currency card application device in the activated state is used to conduct digital currency transactions with the second transaction device.

[0266] According to the technical solution of the embodiment of the present invention, in response to the power state change indication that the first transaction device is about to be powered off or about to be powered off, the digital currency card application device in the first transaction device is activated, and when the first transaction device is in the powered off or powered off state, in response to the digital currency transaction request sent by the second transaction device, the digital currency card application device in the activated state is used to conduct digital currency transactions with the second transaction device. Alternatively, in response to the power state change indication that the first transaction device is about to be powered on, the digital currency card application device in the first transaction device is deactivated, and when the first transaction device is in the powered on state, in response to the digital currency transaction request sent by the second transaction device, the digital currency card application device is activated, and the digital currency card application device in the activated state is used to conduct digital currency transactions with the second transaction device. It is possible to achieve that the transaction device safely activates the digital currency card application device and conducts digital currency transactions in the scenarios of powered on, powered off, or powered off.

[0267] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A digital currency transaction method, characterized in that: Executed in a first transaction device, the method comprises: In response to a power status change indication that the first transaction device is about to be powered off or about to be powered off, the digital currency card application device in the first transaction device is activated; wherein, powered off means that the first transaction device is powered off but the power supply is sufficient to support a power-on operation, and the power required for the power-on operation is greater than the power required for the NFC chip and the security unit SE chip in the first transaction device to work; power off means that the first transaction device is powered off and the power supply is insufficient to support a power-on operation, but can provide power for the NFC chip and the security unit SE chip in the first transaction device to work; the digital currency card application device runs in the security unit of the first transaction device, and the chip operating system of the security unit is independent of the operating system of the first transaction device and shares a baseband chip and a power supply; When the first transaction device is in a powered-off or powered-off state, in response to a digital currency transaction request sent by a second transaction device, the digital currency card application device in an activated state is used to perform a digital currency transaction with the second transaction device.

2. The method according to claim 1, characterized in that The method of responding to the power status change indication that the first transaction device is about to be powered off or about to be powered off includes: An indication of a power status change of the first transaction device, that is, the first transaction device is about to be shut down with power or without power, is received or obtained through a preset application or system in the first transaction device, wherein the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

3. The method according to claim 2, characterized in that The receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power state change that the first transaction device is about to be powered off or about to be powered off, comprises: The preset application or system is used to monitor the broadcast sent by the operating system of the first transaction device that the first transaction device is about to be shut down with power or without power, so as to obtain the power status change indication that the first transaction device is about to be shut down with power or without power from the broadcast.

4. The method according to claim 2, characterized in that: The receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power state change that the first transaction device is about to be powered off or about to be powered off, comprises: A first notification message sent by an operating system of the first transaction device is received by using a preset application or system in the first transaction device, wherein the first notification message includes an indication of a power status change that the first transaction device is about to be shut down with power or without power.

5. The method according to any one of claims 2 to 4, characterized in that The method of activating the digital currency card application device in the first transaction device in response to the power state change indication that the first transaction device is about to be powered off or about to be powered off, comprises: In response to an indication of a power status change that the first transaction device is about to be shut down with power or without power, an activation instruction is sent to a security unit in the first transaction device through the preset application or system to activate the digital currency card application device in the security unit.

6. The method according to claim 5, characterized in that After activating the digital currency card application device in the security unit, the method further includes: A first notification instruction is sent to the digital currency card application device through the preset application or system to indicate that the first transaction device is about to be shut down with power or without power. After receiving the first notification instruction, the digital currency card application device sets the power state value of the first transaction device to the powered-on shutdown state or the powered-off shutdown state accordingly.

7. The method according to claim 6, characterized in that The digital currency transaction request is a digital currency payment request; The step of utilizing the activated digital currency card application device to conduct digital currency transactions with the second transaction device includes: Obtain the power status value of the first transaction device to confirm that the power status value of the first transaction device indicates a powered-on shutdown state or a non-powered shutdown state, and then pay digital currency to the second transaction device according to the payment rules corresponding to the powered-on shutdown state or the non-powered shutdown state.

8. The method according to claim 7, characterized in that The paying digital currency to the second transaction device according to the payment rule corresponding to the powered-off state or the non-powered-off state includes: Obtaining, through the digital currency card application device, a payment restriction condition in a payment rule corresponding to the powered-off state or the non-powered-off state, wherein the payment restriction condition includes one or more of a single payment limit, multiple payment limits, and a payment times limit; If the payment restriction condition is not set in the payment rule corresponding to the powered-off state or the non-powered-off state, paying the digital currency to the second transaction device without authentication; If the payment restriction condition has been set in the payment rules corresponding to the powered-on shutdown state or the unpowered shutdown state, after determining that the current payment does not exceed the limit of any of the payment restriction conditions that have been set, the digital currency is paid to the second transaction device without authentication.

9. The method according to claim 1, characterized in that: The digital currency transaction request is a digital currency payment request; The step of utilizing the activated digital currency card application device to conduct digital currency transactions with the second transaction device includes: The pre-stored root certificate is used to verify the signature of the digital currency in the digital currency payment request, and after the signature verification is passed, the digital currency payment is executed.

10. The method according to claim 1, characterized in that Before conducting a digital currency transaction with the second transaction device, the method includes: The user certificate of the first transaction device is sent to the second transaction device, and the user certificate of the second transaction device sent by the second transaction device is received, and it is confirmed that the identity authentication performed by the first transaction device and the second transaction device using the user certificate of the other party is successful.

11. A digital currency transaction method, characterized in that: Executed in a first transaction device, the method comprises: In response to a power status change indication that the first transaction device is about to be powered on, deactivating the digital currency card application device in the first transaction device; wherein the power on means that the first transaction device is in a powered on working state, and deactivating the digital currency card application device means that the digital currency card application device is in an inactive state; When the first transaction device is powered on, in response to a digital currency transaction request sent by the second transaction device, activating the digital currency card application device; The digital currency card application device in the activated state is used to conduct digital currency transactions with the second transaction device.

12. The method according to claim 11, characterized in that The step of responding to the indication of a power state change that the first transaction device is about to be powered on comprises: An indication of a power status change of the first transaction device that the first transaction device is about to be powered on is received or obtained through a preset application or system in the first transaction device, wherein the preset application or system is one of the following: a trusted execution environment system, an application of the operating system of the first transaction device, or a third-party application of the first transaction device.

13. The method according to claim 12, characterized in that The receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power state change that the first transaction device is about to be powered on, includes: The preset application or system monitors the broadcast of the operating system of the first transaction device indicating that the first transaction device is about to be powered on, so as to obtain the power status change indication that the first transaction device is about to be powered on from the broadcast.

14. The method according to claim 12, characterized in that The receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power state change that the first transaction device is about to be powered on, includes: A second notification message sent by the operating system of the first transaction device is received through the preset application or system, wherein the second notification message includes an indication of a power status change that the first transaction device is about to be powered on.

15. The method according to claim 12, characterized in that After receiving or obtaining, through a preset application or system in the first transaction device, an indication of a power state change that the first transaction device is about to be powered on, and before deactivating the digital currency card application device in the first transaction device, the method comprises: A second notification instruction is sent to the digital currency card application device of the first transaction device through the preset application or system, indicating that the first transaction device is about to be powered on. After receiving the second notification instruction, the digital currency card application device sets the power state value of the first transaction device to the powered on state.

16. The method according to claim 12, characterized in that An activation instruction or a deactivation instruction is sent to the security unit of the first transaction device through the preset application or system to activate or deactivate the digital currency card application device in the security unit accordingly.

17. The method according to claim 11, characterized in that The digital currency transaction request is a digital currency payment request; The step of activating the digital currency card application device in response to the digital currency transaction request sent by the second transaction device comprises: In response to the digital currency transaction request sent by the second transaction device, user authentication is performed through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password. After determining that the user authentication is successful, the digital currency card application device is activated.

18. The method according to claim 11, characterized in that The digital currency transaction request is a digital currency payment request; The step of activating the digital currency card application device in response to the digital currency transaction request sent by the second transaction device comprises: In response to the digital currency transaction request sent by the second transaction device, compare the amount to be paid in the digital currency payment request with a preset authentication-free limit; If the amount to be paid is greater than the preset authentication-free limit, user authentication is performed through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password. After determining that the user authentication is successful, the digital currency card application device is activated; If the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device is activated.

19. The method according to claim 17 or 18, characterized in that The step of utilizing the activated digital currency card application device to conduct digital currency transactions with the second transaction device includes: The digital currency to be paid is paid to the second transaction device by using the digital currency card application device in the activated state, and the payment result returned by the second transaction device is received by the digital currency card application device in the activated state.

20. The method according to claim 11, characterized in that The digital currency transaction request is a digital currency payment request; The step of utilizing the activated digital currency card application device to conduct digital currency transactions with the second transaction device includes: The pre-stored root certificate is used to verify the signature of the digital currency in the digital currency payment request, and after the signature verification is passed, the digital currency payment is executed.

21. The method according to claim 11, characterized in that Before conducting a digital currency transaction with the second transaction device, the method includes: The user certificate of the first transaction device is sent to the second transaction device, and the user certificate of the second transaction device sent by the second transaction device is received, and it is confirmed that the identity authentication performed by the first transaction device and the second transaction device using the user certificate of the other party is successful.

22. The method according to claim 11, characterized in that After activating the digital currency card application device, the method further comprises: deactivating the digital currency card application device in any of the following situations: The first transaction device locks the screen; The first transaction device switches the digital currency card application device to another card application device; The digital currency card application device is in an activated state for a period of time exceeding a predetermined period of time.

23. A digital currency transaction device, characterized in that: Set in the first transaction device, the device includes: A first activation module is used to activate the digital currency card application device in the first transaction device in response to an indication of a power state change that the first transaction device is about to be powered off or about to be powered off; wherein, powered off means that the first transaction device is powered off but the power supply is sufficient to support a power-on operation, and the power required for the power-on operation is greater than the power required for the NFC chip and the security unit SE chip in the first transaction device to work; power off means that the first transaction device is powered off and the power supply is insufficient to support a power-on operation, but can provide power for the NFC chip and the security unit SE chip in the first transaction device to work; the digital currency card application device runs in the security unit of the first transaction device, and the chip operating system of the security unit is independent of the operating system of the first transaction device and shares a baseband chip and a power supply; The first transaction module is used to respond to a digital currency transaction request sent by a second transaction device when the first transaction device is in a powered-off or powered-off state, and to perform a digital currency transaction with the second transaction device using the activated digital currency card application device.

24. A digital currency transaction device, characterized in that: Set in the first transaction device, the device includes: a deactivation module, configured to deactivate the digital currency card application device in the first transaction device in response to a power state change indication that the first transaction device is about to be powered on; wherein the power on means that the first transaction device is in a powered on working state, and deactivating the digital currency card application device means that the digital currency card application device is in an inactive state; A second activation module is used to activate the digital currency card application device in response to a digital currency transaction request sent by a second transaction device when the first transaction device is powered on; The second transaction module is used to utilize the activated digital currency card application device to conduct digital currency transactions with the second transaction device.

25. An electronic device, characterized in that: include: one or more processors; a memory for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors are enabled to implement the method according to any one of claims 1 to 22.

26. A computer readable medium having a computer program stored thereon, characterized in that: When the computer program is executed by a processor, the method according to any one of claims 1 to 22 is implemented.

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