Digital currency payment method, payment collection method, related device and payment terminal

Abstract

The application discloses a digital currency payment method, a payment collection method, related devices and a payment terminal, and relates to the technical field of computers. One specific implementation of the method comprises: a digital currency card application device in an activated state in the payment terminal compares a to-be-paid amount in a digital currency payment request with a preset authentication-free quota in response to the digital currency payment request; and the digital currency card application device pays digital currency according to payment settings based on the comparison result. The implementation can realize user authentication based on the payment terminal in a powered-on scene, authentication-free payment of digital currency, and authentication-free payment of digital currency when the device is in a black screen state in a powered-off or powered-off scene based on the payment terminal based on the authentication-free quota.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a digital currency payment method, a payment collection method, a digital currency card application device, and a payment terminal. Background Technology

[0002] In recent years, the development of mobile smart terminals has been exceptionally rapid, including smartphones, smartwatches, and smart POS (Point of Sales, also known as point of sale information management system). NFC (Near Field Communication), as an important wireless communication technology, has become the primary technology used for short-range communication due to its security, simplicity, and low power consumption.

[0003] In the process of realizing this invention, the inventors discovered at least the following problems in the prior art:

[0004] It is not possible to achieve user authentication and authentication-free payment of digital currency based on the power-on scenario of the payment terminal, nor is it possible to achieve authentication-free payment of digital currency based on the power-off scenario of the payment terminal, nor is it possible to achieve digital currency collection based on the power-off scenario of the receiving terminal, nor is it possible to achieve digital currency collection based on the power-off scenario of the receiving terminal, nor is it possible to achieve digital currency collection based on the power-off scenario of the receiving terminal. Summary of the Invention

[0005] In view of this, embodiments of the present invention provide a digital currency payment method, a payment collection method, a digital currency card application device, and a payment terminal, which can realize user authentication and authentication-free payment of digital currency based on the payment terminal in a scenario where it is powered on, authentication-free payment of digital currency based on the payment terminal in a scenario where it is powered off or powered off, and digital currency collection by the payment terminal in a scenario where it is powered off or powered off.

[0006] To achieve the above objectives, according to one aspect of the present invention, a digital currency payment method is provided.

[0007] A digital currency payment method includes: a digital currency card application device in an activated state in the payment terminal responding to a digital currency payment request by comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit; and the digital currency card application device paying digital currency according to the comparison result and payment settings.

[0008] Optionally, when the current power state of the payment terminal is either a powered-off state or a power-off state, the digital currency card application device in the payment terminal is in an active state. The powered-off state is when the payment terminal remains powered off but has sufficient power to support power-on operation, and the power required for power-on is greater than the power required for the NFC chip and SE chip in the payment terminal to operate. The power-off state is when the payment terminal remains powered off and its power is insufficient to support power-on operation, but it can still supply power to the NFC chip and SE chip in the payment terminal. The digital currency card application device, based on the comparison result, pays digital currency according to the payment settings, including: the digital currency card application device confirms that the amount to be paid is less than or equal to the preset authentication-free limit, and then pays the digital currency according to the authentication-free payment settings.

[0009] Optionally, when the current power state of the payment terminal is "powered on", the digital currency card application device in the payment terminal is in an active state, wherein "powered on" means that the payment terminal remains powered on; the digital currency card application device pays digital currency according to the comparison result and payment settings, including: if the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication payment settings.

[0010] Optionally, the step of paying the digital currency according to the authentication-free payment setting includes: the digital currency card application device obtaining an upper limit setting for the cumulative number of authentication-free payments and / or the cumulative amount; if no upper limit is set for the cumulative number of authentication-free payments and / or the cumulative amount, then the digital currency amount to be paid is paid to the receiving device without authentication; if an upper limit is set for the cumulative number of authentication-free payments and / or the cumulative amount, then it is determined that the current cumulative number of authentication-free payments and / or the cumulative amount does not exceed the set upper limit for the cumulative number of authentication-free payments and / or the cumulative amount, and then the digital currency amount to be paid is paid to the receiving device without authentication.

[0011] Optionally, before comparing the amount to be paid in the digital currency payment request with the preset authentication-free limit, the method further includes: setting the preset authentication-free limit in advance through the digital currency APP of the payment terminal; before determining that the cumulative number and / or cumulative amount of the current authentication-free payment does not exceed the set upper limit of the cumulative number and / or cumulative amount of authentication-free payments, the method further includes: setting the upper limit of the cumulative number and / or cumulative amount of authentication-free payments in advance through the digital currency APP of the payment terminal.

[0012] Optionally, the digital currency card application device pays the digital currency according to the authentication payment settings, including: the digital currency card application device obtaining settings regarding whether to enable the authentication payment function; if the authentication payment function is not enabled, the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

[0013] Optionally, the user authentication via the authentication interface includes: the digital currency card application device reporting an authentication HCI (Host Control Interface Protocol) message to the authentication module of the payment terminal, so that the authentication module displays the authentication interface, and the user is authenticated through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password.

[0014] Optionally, before paying digital currency according to the payment settings, the following steps are included: the payment terminal and the receiving device send their respective user certificates to each other, use the received user certificates of the other party to authenticate the user identity of the other party, and confirm that the user identity authentication of both parties is successful.

[0015] Optionally, the digital currency card application device runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but has an independent operating system from the payment terminal. The digital currency card application device is always active when the payment terminal is in any power state.

[0016] Optionally, the digital currency card application device is automatically set to always be active after the digital currency function is activated.

[0017] According to another aspect of the present invention, a method for receiving digital currency payments is provided.

[0018] A digital currency payment collection method includes: when a payment terminal is in a powered-off state or a power-off state, an active digital currency card application device in the payment terminal responds to a digital currency payment collection request and obtains payment settings, wherein the powered-off state is a state in which the payment terminal remains powered off but has sufficient power to support power-on operation, and the power required for power-on operation is greater than the power required for the NFC chip and SE chip in the payment terminal to operate; the power-off state is a state in which the payment terminal remains powered off and the power is insufficient to support power-on operation, but can supply power to the NFC chip and SE chip in the payment terminal to operate; and performing digital currency payment collection according to the payment settings.

[0019] Optionally, the step of receiving digital currency payments according to the payment settings includes: determining, based on the payment settings, that the payment function has been enabled in the power-on or power-off state, and obtaining the upper limit of the payment amount and / or the upper limit of the number of payments in the payment settings; and performing a payment operation on the digital currency that does not exceed the upper limit of the payment amount and / or the upper limit of the number of payments.

[0020] Optionally, before receiving digital currency payments according to the payment settings, the following steps are included: the payment terminal and the payment device send their respective user certificates to each other, use the received user certificates to authenticate each other's user identities, and confirm that the user identity authentication of both parties is successful.

[0021] Optionally, the digital currency card application device runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but has an independent operating system from the payment terminal. The digital currency card application device is always active when the payment terminal is in any power state.

[0022] Optionally, the digital currency card application device is automatically set to always be active after the digital currency function is activated.

[0023] According to another aspect of the present invention, a digital currency card application device is provided.

[0024] A digital currency card application device is installed in a payment terminal and is always active. The device includes: a limit determination module, used to compare the amount to be paid in the digital currency payment request with a preset authentication-free limit in response to a digital currency payment request; and a digital currency payment module, used to pay digital currency according to the comparison result and payment settings.

[0025] Optionally, when the current power state of the payment terminal is either a powered-off state or a power-off state, the digital currency card application device in the payment terminal is in an active state. The powered-off state is when the payment terminal remains powered off but has sufficient power to support power-on operation, and the power required for power-on operation is greater than the power required for the NFC chip and SE chip in the payment terminal to operate. The power-off state is when the payment terminal remains powered off and its power is insufficient to support power-on operation, but it can still supply power to the NFC chip and SE chip in the payment terminal. The digital currency payment module is further configured to: confirm that the amount to be paid is less than or equal to the preset authentication-free limit, and then pay the digital currency according to the authentication-free payment settings.

[0026] Optionally, when the current power state of the payment terminal is "powered on", the digital currency card application device in the payment terminal is in an active state, wherein "powered on" means that the payment terminal remains powered on; the digital currency payment module is further configured to: if the amount to be paid is less than or equal to the preset authentication-free limit, then pay the digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, then pay the digital currency according to the authentication payment settings.

[0027] Optionally, the digital currency payment module is further configured to: obtain the upper limit setting for the cumulative number of payments without authentication and / or the cumulative amount; if no upper limit is set for the cumulative number of payments without authentication and / or the cumulative amount, then pay the amount to be paid in digital currency to the receiving device without authentication; if an upper limit is set for the cumulative number of payments without authentication and / or the cumulative amount, then determine that the current cumulative number of payments without authentication and / or the cumulative amount does not exceed the set upper limit for the cumulative number of payments without authentication and / or the cumulative amount, and then pay the amount to be paid in digital currency to the receiving device without authentication.

[0028] Optionally, it also includes: a setting module, used to pre-set the preset authentication-free limit through the digital currency APP of the payment terminal, and to pre-set the upper limit of the cumulative number of authentication-free payments and / or the cumulative amount through the digital currency APP of the payment terminal.

[0029] Optionally, the digital currency payment module is further configured to: obtain settings regarding whether to enable the authentication payment function; if the authentication payment function is not enabled, then the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, then user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

[0030] Optionally, the digital currency payment module includes an authentication request submodule, used to: report authentication HCI messages to the authentication module of the payment terminal, so that the authentication module can display an authentication interface, and authenticate the user through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password.

[0031] Optionally, it further includes a first authentication module, configured to: send the user certificate of the payment terminal to the payment receiving device, receive the user certificate sent by the payment receiving device, use the received user certificate of the payment receiving device to authenticate the user identity of the payment receiving device, and confirm that the user identity authentication of both the payment receiving device and the payment terminal is successful.

[0032] Optionally, the digital currency card application device runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but has an independent operating system from the payment terminal.

[0033] According to another aspect of the present invention, a digital currency card application device is provided.

[0034] A digital currency card application device, installed in a payment terminal and always in an active state, includes: a payment request receiving module, configured to, in response to a digital currency payment request, acquire payment settings when the payment terminal is in a powered-off state or a power-off state, wherein the powered-off state is a state where the payment terminal is kept 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 payment terminal to operate; the power-off state is a state where the payment terminal is kept 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 payment terminal to operate; and a digital currency payment module, configured to perform digital currency payment according to the payment settings.

[0035] Optionally, the digital currency payment module is further configured to: determine, based on the payment settings, that the payment function has been enabled in the powered-off state or the power-off state, and obtain the upper limit value of the payment amount and / or the upper limit value of the number of payments in the payment settings; and perform payment operations on the digital currency that do not exceed the upper limit value of the payment amount and / or the upper limit value of the number of payments.

[0036] Optionally, it further includes a second authentication module, configured to: send the user certificate of the payment terminal to the payment device, receive the user certificate sent by the payment device, use the received user certificate of the payment device to authenticate the user identity of the payment terminal, and confirm that the user identity authentication of both the payment device and the payment terminal is successful.

[0037] Optionally, the digital currency card application device runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but has an independent operating system from the payment terminal.

[0038] According to another aspect of the present invention, a payment terminal for paying digital currency is provided.

[0039] A payment terminal for paying digital currency includes a digital currency card application device provided in this embodiment of the invention, and further includes an authentication module, wherein: the authentication module is used to authenticate the user through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password after receiving an authentication HCI message reported by the digital currency card application device.

[0040] According to another aspect of the present invention, an electronic device is provided.

[0041] An electronic device includes: one or more processors; and a memory for storing one or more programs, which, when executed by the one or more processors, cause the one or more processors to implement the digital currency payment method or digital currency collection method provided in the embodiments of the present invention.

[0042] According to another aspect of the present invention, a computer-readable medium is provided.

[0043] A computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the digital currency payment method or digital currency collection method provided in the embodiments of the present invention.

[0044] One embodiment of the above invention has the following advantages or beneficial effects: The digital currency card application device in the payment terminal, when in an active state, responds to a digital currency payment request by comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit; the digital currency card application device then pays the digital currency according to the comparison result and payment settings. This enables authentication-free digital currency payment based on the payment terminal's power-on scenario, and authentication-free digital currency payment when the payment terminal is powered off or has a black screen. In another embodiment, when the receiving terminal is powered off or powered off, the active digital currency card application device in the receiving terminal responds to a digital currency payment request, obtains the payment settings, and performs digital currency payment according to the payment settings. This enables digital currency payment in both power-off and power-off scenarios.

[0045] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0046] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0047] Figure 1 This is a schematic diagram of the main steps of a digital currency payment method according to an embodiment of the present invention;

[0048] Figure 2 This is a schematic diagram of the process of a payment terminal being powered on and making digital currency payments according to an embodiment of the present invention;

[0049] Figure 3 This is a schematic diagram illustrating the process of paying digital currency in a payment terminal with power on or off, according to an embodiment of the present invention.

[0050] Figure 4 This is an interactive diagram illustrating the payment of digital currency by a mobile smart device in a powered-on state according to an embodiment of the present invention.

[0051] Figure 5 This is an interactive schematic diagram of a mobile smart device paying digital currency when it is powered off or powered off, according to an embodiment of the present invention.

[0052] Figure 6 This is a schematic diagram of the main steps of a digital currency payment method according to an embodiment of the present invention;

[0053] Figure 7 This is a schematic diagram of the main modules of a digital currency card application device according to an embodiment of the present invention;

[0054] Figure 8 This is a schematic diagram of the main modules of a digital currency card application device according to another embodiment of the present invention;

[0055] Figure 9 This is a schematic diagram of the main components of a payment terminal for paying digital currency according to an embodiment of the present invention;

[0056] Figure 10 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0057] Figure 11 This is a schematic diagram of the structure of a computer system suitable for implementing the terminal device of the present invention. Detailed Implementation

[0058] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0059] Figure 1 This is a schematic diagram illustrating the main steps of a digital currency payment method according to an embodiment of the present invention. Figure 1 As shown, a digital currency payment method according to an embodiment of the present invention mainly includes the following steps S101 to S102.

[0060] Step S101: The digital currency card application device in the payment terminal, which is in an active state, responds to the digital currency payment request by comparing the amount to be paid in the digital currency payment request with the preset authentication-free limit.

[0061] Step S102: The digital currency card application device pays the digital currency according to the payment settings based on the results of the above comparison.

[0062] The payment terminal and receiving device in this embodiment of the invention can be mobile smart devices. Specifically, the payment terminal can be a smartphone, smartwatch, smart bracelet, etc., and the receiving device can be a smartphone, smartwatch, smart bracelet, smart POS machine, etc.

[0063] A digital currency app can be installed on the payment terminal, and the preset authentication-free limit for digital currency can be set through the digital currency app.

[0064] The digital currency card application device in this invention differs from a digital currency app. The digital currency card application device runs within the security unit (SE) of the payment terminal, sharing a power supply with the payment terminal, but its operating system is independent of the payment terminal's. This independence means the digital currency card application device has its own independent operating system, namely the COS (Chip Operating System), which is different from the payment terminal's operating system. The digital currency card application device remains active regardless of the payment terminal's power state. The digital currency card application device typically lacks a user-facing interface on the payment terminal, whereas a digital currency app does. The digital currency card application device is automatically set to always be active after the digital currency function is activated.

[0065] The payment terminal establishes a communication connection with the receiving device to receive digital currency payment requests; this communication connection is specifically a near-field communication connection.

[0066] In one embodiment, when the current power state of the payment terminal is either a powered-off state or a power-off state, the digital currency card application device in the payment terminal is in an active state. The powered-off state means the payment terminal is powered off but has sufficient power to support power-on operation. The power required for power-on operation is greater than the power required for the NFC chip and SE chip in the payment terminal to operate. The SE chip is the hardware carrier of the Security Element (SE). The power-off state means the payment terminal is powered off and its power is insufficient to support power-on operation, but it can still supply power to the NFC chip and SE chip in the payment terminal. The digital currency card application device pays digital currency according to the payment settings based on the comparison between the amount to be paid and a preset authentication-free limit. Specifically, this may include: the digital currency card application device determining whether the amount to be paid is less than or equal to the preset authentication-free limit. If it is confirmed that the amount to be paid is less than or equal to the preset authentication-free limit, then digital currency is paid according to the authentication-free payment settings. If it is confirmed that the amount to be paid is greater than the preset authentication-free limit, then the transaction process ends, i.e., payment is terminated.

[0067] In one embodiment, when the payment terminal is currently powered on, the digital currency card application device within the payment terminal is activated. The powered-on state means the payment terminal remains powered on. The digital currency card application device pays digital currency according to the payment settings based on a comparison between the amount to be paid and a preset authentication-free limit. Specifically, this may include: if the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device pays digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device pays digital currency according to the authentication-based payment settings.

[0068] Setting up payment for digital currency without authentication can specifically include: setting an upper limit on the cumulative number of payments and / or the cumulative amount of payments without authentication for the digital currency card application device; if no upper limit is set for the cumulative number of payments and / or the cumulative amount of payments without authentication, the digital currency amount to be paid will be paid to the receiving device without authentication; if an upper limit is set for the cumulative number of payments and / or the cumulative amount of payments without authentication, it will be determined whether the current cumulative number of payments without authentication and / or the cumulative amount of payments without authentication exceeds the set upper limit. If it is determined that the current cumulative number of payments without authentication and / or the cumulative amount of payments without authentication does not exceed the set upper limit, the digital currency amount to be paid will be paid to the receiving device without authentication.

[0069] If it is determined that the current cumulative number of unauthenticated payments and / or the cumulative amount have exceeded the set upper limit for the cumulative number of unauthenticated payments and / or the cumulative amount, then the corresponding processing will be performed according to the current power status of the payment terminal. Specifically, if the current power status is powered on, digital currency can be paid according to the authentication payment settings, that is, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device; if the current power status is powered off or powered off, the transaction process ends, that is, the payment is terminated.

[0070] Before comparing the amount to be paid in the digital currency payment request with the preset authentication-free limit, the process also includes: setting the preset authentication-free limit in advance through the digital currency APP on the payment terminal.

[0071] Before determining that the current cumulative number of unauthenticated payments and / or the cumulative amount have not exceeded the set upper limit for the cumulative number of unauthenticated payments and / or the cumulative amount, the method also includes: setting the upper limit for the cumulative number of unauthenticated payments and / or the cumulative amount in advance through the digital currency APP of the payment terminal.

[0072] The digital currency card application device pays digital currency according to the authentication payment settings. Specifically, this may include: the digital currency card application device obtaining settings regarding whether to enable the authentication payment function; if the authentication payment function is not enabled, the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

[0073] User authentication via an authentication interface can specifically include: the digital currency card application device reporting an authentication HCI message to the authentication module of the payment terminal, which then displays an authentication interface. User authentication is performed through this interface using one or more authentication methods, such as fingerprint, face, iris, voiceprint, gesture, or password. The authentication module of the payment terminal can be implemented based on a mobile payment tool within the terminal. For example, if the payment terminal is a mobile phone, the mobile payment tool could be a mobile payment app like MobilePay, which provides an authentication interface for user authentication.

[0074] Before making a digital currency payment, the payment terminal and the receiving device exchange user certificates. Each uses the received certificate to authenticate the other's user identity, and both parties confirm successful authentication. It should be noted that if either party fails authentication, the transaction process is terminated, and the digital currency payment cannot be completed.

[0075] The application of digital currency to the Security Element (SE) of mobile smart devices is a new field, and NFC tap-to-pay for mobile smart devices in low-power scenarios based on the SE is an innovative technology. The low-power state of a mobile smart device refers to a state where it is powered off but not completely depleted of power, typically with a voltage of around 3.4V. NFC power is very low, and the remaining power in the power-off state can still power the NFC chip and the SE chip, meeting the conditions for the normal operation of the SE. In this embodiment of the invention, the mobile smart device acts as a payment terminal. Since users holding a power-off mobile smart device with a SE still have the need to pay and receive digital currency, authentication is not possible when the payment terminal is powered off or powered off, enabling authentication-free payment. Furthermore, this embodiment of the invention can also achieve authentication-based or authentication-free digital currency payment using the SE when the payment terminal is powered on.

[0076] Figure 2 This is a schematic diagram illustrating the process of a payment terminal powering on and making digital currency payments according to an embodiment of the present invention. The payment terminal in this embodiment can be a mobile smart device such as a smartphone, smartwatch, or smart bracelet. Figure 2 As shown, the process of making digital currency payments by powering on the payment terminal includes:

[0077] Step S201: When the payment terminal is powered on and making a payment of digital currency, the payment terminal receives the amount to be paid from the receiving device and determines whether the amount to be paid is less than or equal to the preset authentication-free limit.

[0078] The payment terminal is powered on, meaning it remains powered on.

[0079] The digital currency card application device of the payment terminal can determine whether the amount to be paid is less than or equal to the preset authentication-free limit. The digital currency card application device runs in the security unit (SE) of the payment terminal and can remain active in any state, including when the payment terminal is powered on, powered off, or powered off.

[0080] Step S202: If the amount to be paid is less than or equal to the preset authentication-free limit, the receiving device and the payment terminal send their respective user certificates to each other and use the user certificates sent by the other party to authenticate the user identity of the other party. After the user identities of both parties are verified, the payment terminal pays the digital currency without authentication.

[0081] As an optional implementation, when the payment terminal is powered on, it can also be set that authentication is required after multiple payments, i.e., an upper limit can be set on the cumulative number of payments that can be made without authentication.

[0082] Step S203: If the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device of the payment terminal reports an authentication HCI message to the authentication module of the payment terminal. After the authentication module passes the authentication, the receiving device and the payment terminal send their respective user certificates to each other and use the user certificates sent by the other party to authenticate the user identity of the other party. After the user identities of both parties are verified, the payment terminal pays the digital currency.

[0083] After authentication, the authentication module of the payment terminal notifies the digital currency card application device of the payment terminal of the authentication result. If the authentication is successful, the payment terminal sends digital currency to the payment terminal after both parties exchange user certificates and verify each other's identities. If the authentication fails, or if the authentication is successful but either party's identity verification fails, the payment is terminated.

[0084] Figure 3 This is a schematic diagram illustrating the process of paying digital currency using a payment terminal in either a powered-off state or a power-off state, according to an embodiment of the present invention. The payment terminal in this embodiment can be a mobile smart device such as a smartphone, smartwatch, or smart bracelet. Figure 3 As shown, the process of making digital currency payments when the payment terminal is powered off or powered off includes:

[0085] Step S301: When the payment terminal pays digital currency in a power-off or power-off state, the payment terminal receives the amount to be paid from the receiving device and determines whether the amount to be paid is less than or equal to the preset authentication-free limit.

[0086] The "Power-Off" state of the payment terminal means that the payment terminal is powered off, but the power supply is sufficient to support power-on operation. The power required for the payment terminal to power on is greater than the power required for the NFC chip and SE chip in the payment terminal to operate.

[0087] The payment terminal's power-off state refers to a state where the payment terminal remains powered off and the power supply is insufficient to support power-on operations, but it can still power the NFC chip and SE chip within the payment terminal. In this power-off state, the payment terminal is in a low-power state; it is powered off due to a lack of electricity, but it has not completely lost power.

[0088] When the payment terminal is powered off or powered off without power, the digital currency card application device of the security unit SE of the payment terminal is activated, and the payment terminal screen is black.

[0089] Step S302: If the amount to be paid is less than or equal to the preset authentication-free limit, the receiving device and the payment terminal send their respective user certificates to each other and use the user certificates sent by the other party to authenticate the user identity of the other party. After the user identities of both parties are verified, the payment terminal pays the digital currency without authentication.

[0090] After receiving digital currency from the payment terminal, the receiving device verifies the signature of the received digital currency using a root certificate to verify its authenticity. If the verification is successful, the payment is processed. The root certificate can be issued by the central bank's digital currency system. If the signature verification fails, the transaction ends, and the payment process terminates.

[0091] Step S303: If the amount to be paid is greater than the preset authentication-free limit, the transaction ends.

[0092] The payment receiving device in this embodiment of the invention can be a mobile smart device such as a smartphone, smartwatch, smart bracelet, or smart POS machine. The payment receiving device can receive digital currency in either a power-off state or a power-off state. When the payment receiving device receives digital currency in either a power-off state or a power-off state, the digital currency card application device of the payment receiving device's security unit SE is activated, the payment receiving device is black, and after the payment receiving device and the payment terminal exchange user certificates and complete identity authentication, the payment receiving device receives the digital currency.

[0093] Figure 4This is a schematic diagram illustrating the interaction of a mobile smart device paying with digital currency when powered on, according to an embodiment of the present invention. The payment terminal in this embodiment is a mobile phone terminal, but those skilled in the art will understand that the process of this embodiment is also applicable to situations where the payment terminal is a mobile smart device other than a mobile phone terminal. The mobile phone terminal includes a mobile payment interface (PMI), a security unit, a digital currency card application device running on the security unit, and a communication module. The communication module can be a module in the mobile phone terminal capable of receiving NFC field strength and establishing a near-field communication connection with the receiving device. The digital currency card application device is always active. PMI is a convenient mobile payment tool based on an NFC chip. The receiving device is a digital currency POS machine. The interaction process between PMI, the security unit and the digital currency card application device running on the security unit, the communication module of the mobile phone terminal, and the digital currency POS machine is as follows:

[0094] Step S401: Input the amount of digital currency to be received into the digital currency POS machine and initiate the collection.

[0095] Step S402: Tap the mobile terminal against the digital currency POS machine to prepare for payment.

[0096] Specifically, the mobile terminal's communication module establishes a connection with the digital currency POS by receiving NFC field strength.

[0097] Step S403: The digital currency card application device of the mobile terminal security unit SE receives the payment initialization instruction from the digital currency POS machine and determines whether the amount to be paid exceeds the preset authentication-free limit;

[0098] If the amount to be paid exceeds the preset authentication-free limit, an HCI message is sent to the mobile PAY, and then step S404 is executed.

[0099] If the amount to be paid does not exceed the preset authentication-free limit, the receiving device and the payment terminal exchange user certificates to verify the legitimacy of each other's user identities. After successful verification, step S407 is executed.

[0100] The receiving device and the payment terminal exchange user certificates to verify the legitimacy of each other's user identities. Specifically, the payment terminal (mobile terminal) and the receiving device (digital currency POS machine) send their respective user certificates to each other and use the received user certificates to authenticate the other party's user identity. If the user identity authentication of both parties is successful, it means that the user identities of both parties are legitimate.

[0101] Step S404: The mobile PAY page displays the authentication interface, where the user performs authentication.

[0102] Step S405: The mobile PAY notifies the digital currency card application device of the security unit SE of the authentication result.

[0103] Step S406: The digital currency card application device on the mobile terminal determines whether the authentication is successful.

[0104] If authentication succeeds, the receiving device and the payment terminal exchange user certificates to verify the legitimacy of each other's user identities. Upon successful verification, step S407 is executed. If authentication fails, or if authentication succeeds but user identity verification fails, the transaction process ends, i.e., payment is terminated. Cases of authentication failure include... Figure 4 Not shown in the image.

[0105] Step S407: The digital currency card application device of the mobile terminal security unit SE sends digital currency to the receiving device to make payment.

[0106] Step S408: Digital currency POS machine payment collection.

[0107] Specifically, the digital currency POS machine uses a root certificate to verify the signature of the received digital currency to verify its authenticity. If the verification is successful, payment is processed; otherwise, the transaction process ends. The root certificate can be issued by the central bank's digital currency system.

[0108] Step S409: The digital currency POS machine displays and notifies the payment result.

[0109] Step S410: The digital currency card application device of the mobile terminal security unit SE receives the payment result sent by the digital currency POS machine.

[0110] Step S411: The digital currency card application device of the mobile terminal security unit SE reports the HCI message of the payment result corresponding to the received payment result to the mobile PAY.

[0111] Step S412: Mobile PAY displays payment results.

[0112] Figure 5 This is an interactive diagram illustrating the payment of digital currency using a mobile smart device in either a power-off state or a power-off state, according to an embodiment of the present invention. The mobile smart device in this embodiment is a payment terminal, specifically a mobile phone terminal. Those skilled in the art will understand that the mobile phone terminal in this embodiment can be replaced by any mobile smart device such as a smartwatch or smart bracelet. The mobile phone terminal includes a mobile payment interface, a security unit, a digital currency card application device running within the security unit, and a communication module. The digital currency card application device is always active. The payment receiving device is exemplified by a digital currency POS machine. The interaction flow between the mobile payment interface, the security unit and the digital currency card application device running within the security unit, the communication module of the mobile phone terminal, and the digital currency POS machine is as follows:

[0113] Step S501: The digital currency POS machine's receiving side inputs the amount of digital currency to be received and initiates the collection.

[0114] Step S502: Tap the mobile terminal against the digital currency POS machine to prepare for payment.

[0115] Specifically, the mobile terminal's communication module establishes a connection with the digital currency POS by receiving NFC field strength.

[0116] Step S503: The digital currency card application device of the mobile terminal security unit SE receives the payment initialization instruction from the digital currency POS machine and determines whether the amount to be paid exceeds the preset authentication-free limit.

[0117] If the amount to be paid exceeds (i.e., is greater than) the preset authentication-free limit, the transaction process ends, i.e., payment is terminated.

[0118] If the amount to be paid does not exceed (i.e., is less than or equal to) the preset authentication-free limit, the receiving device and the payment terminal exchange user certificates to verify the legitimacy of each other's user identities. If the verification is successful, step S504 is executed. If the user identity authentication fails, i.e., the user identity is illegitimate, the payment is terminated.

[0119] Step S504: The digital currency card application device of the mobile terminal security unit SE sends digital currency to the receiving device to make payment.

[0120] Step S505: Digital currency POS machine payment collection.

[0121] Specifically, the digital currency POS machine uses the root certificate to verify the signature of the received digital currency to verify its authenticity. If the verification is successful, the payment is processed; otherwise, the transaction process ends.

[0122] Step S506: The digital currency POS machine displays and notifies the payment result.

[0123] Step S507: The digital currency card application device of the mobile terminal security unit SE receives the payment result sent by the digital currency POS machine.

[0124] Figure 6 This is a schematic diagram illustrating the main steps of a digital currency payment method according to an embodiment of the present invention. Figure 6 As shown, a digital currency payment method according to an embodiment of the present invention mainly includes the following steps S601 to S602.

[0125] Step S601: When the payment terminal is in a powered-off state or a power-off state, the digital currency card application device in the payment terminal that is in an active state responds to the digital currency payment request and obtains the payment settings.

[0126] Among them, the "power off" state is when the payment terminal is kept off but the power supply is sufficient to support the power-on operation. The power required for the payment terminal to power on is greater than the power required for the NFC chip and SE chip in the payment terminal to work.

[0127] The power-off state is when the payment terminal remains powered off and the power supply is insufficient to support the power-on operation, but it can still power the NFC chip and SE chip in the payment terminal.

[0128] Step S602: Receive digital currency payments according to the payment settings.

[0129] Specifically, based on the payment settings, determine whether the payment function has been enabled in the power-off state or the power-off state, and obtain the upper limit of the payment amount and / or the upper limit of the number of payments in the payment settings; perform payment operations on digital currency that do not exceed the upper limit of the payment amount and / or the upper limit of the number of payments.

[0130] Before receiving digital currency payments according to the aforementioned payment settings, the receiving terminal and the payment device send their respective user certificates to each other, and use the received user certificates to authenticate the other party's user identity and confirm that the user identity authentication of both parties is successful.

[0131] The digital currency card application device runs within the secure unit of the payment terminal, sharing a power supply with the terminal, but its operating system is independent of the terminal's. Regardless of the payment terminal's power state, the digital currency card application device remains active. The digital currency card application device is automatically set to always be active after the digital currency function is activated.

[0132] Figure 7 This is a schematic diagram of the main modules of a digital currency card application device according to an embodiment of the present invention. Figure 7 As shown, a digital currency card application device 700 according to an embodiment of the present invention is installed in a payment terminal and is always in an active state. The digital currency card application device 700 includes: a credit limit determination module 701 and a digital currency payment module 702.

[0133] The limit determination module 701 is used to respond to a digital currency payment request by comparing the amount to be paid in the digital currency payment request with the preset authentication-free limit.

[0134] The digital currency payment module 702 is used to pay digital currency according to the payment settings based on the results of the above comparison.

[0135] In one embodiment, when the current power state of the payment terminal is either a powered-off state or a power-off state, the digital currency card application device in the payment terminal is in an active state. The powered-off state means the payment terminal remains 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 payment terminal to operate. The power-off state means the payment terminal remains powered off, and the power supply is insufficient to support the power-on operation, but it can still power the NFC chip and SE chip in the payment terminal to operate. The digital currency payment module 702 is specifically used to: confirm that the amount to be paid is less than or equal to a preset authentication-free limit, and then pay the digital currency according to the authentication-free payment settings.

[0136] In one embodiment, when the current power state of the payment terminal is "powered on," the digital currency card application device in the payment terminal is activated. "Powered on" means the payment terminal remains powered on. Specifically, the digital currency payment module 702 can be used to: if the amount to be paid is less than or equal to a preset authentication-free limit, pay digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, pay digital currency according to the authentication-based payment settings.

[0137] In one embodiment, the digital currency payment module 702 is further configured to: obtain the upper limit setting for the cumulative number of payments without authentication and / or the cumulative amount; if no upper limit is set for the cumulative number of payments without authentication and / or the cumulative amount, then pay the amount to be paid in digital currency to the receiving device without authentication; if an upper limit is set for the cumulative number of payments without authentication and / or the cumulative amount, then determine that the current cumulative number of payments without authentication and / or the cumulative amount has not reached the set upper limit for the cumulative number of payments without authentication and / or the cumulative amount, and then pay the amount to be paid in digital currency to the receiving device without authentication.

[0138] In one embodiment, the digital currency card application device 700 further includes a setting module for pre-setting a preset authentication-free limit via the digital currency APP of the payment terminal, and pre-setting an upper limit for the cumulative number of authentication-free payments and / or the cumulative amount via the digital currency APP of the payment terminal.

[0139] In one embodiment, the digital currency payment module 702 is further configured to: obtain settings regarding whether to enable the authentication payment function; if the authentication payment function is not enabled, then the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, then user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

[0140] The digital currency payment module 702 may include an authentication request submodule, which is used to: report the authentication HCI message to the authentication module of the payment terminal, so that the authentication module can display the authentication interface and authenticate the user through one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password.

[0141] The digital currency card application device 700 may also include a first authentication module, used for: sending a user certificate of the payment terminal to the receiving device, receiving a user certificate sent by the receiving device, using the received user certificate of the receiving device to authenticate the user identity of the receiving device, and confirming that the user identity authentication of both the receiving device and the payment terminal is successful.

[0142] The digital currency card application device 700 operates in the security unit of the payment terminal, shares a power supply with the payment terminal, but has an independent operating system from the payment terminal. The digital currency card application device 700 is always active in any power state of the payment terminal, whether it is powered on, powered off, or powered off.

[0143] Figure 8 This is a schematic diagram of the main modules of a digital currency card application device according to another embodiment of the present invention. Figure 8 As shown, a digital currency card application device 800 of one embodiment of the present invention is installed in a payment terminal and is always in an active state. The digital currency card application device 800 mainly includes: a payment request receiving module 801 and a digital currency payment receiving module 802.

[0144] The payment request receiving module 801 is used to respond to a digital currency payment request and obtain payment settings when the payment terminal is in a powered-off state or a power-off state. The powered-off state is a state in which the payment terminal is kept off but the power supply is sufficient to support the power-on operation, and the power required for the payment terminal to power on is greater than the power required for the NFC chip and SE chip in the payment terminal to operate. The power-off state of the payment terminal is a state in which the payment terminal is kept off and the power supply is insufficient to support the power-on operation, but it can provide power to the NFC chip and SE chip in the payment terminal to operate.

[0145] The digital currency payment module 802 is used to receive digital currency payments according to the payment settings.

[0146] The digital currency payment module 802 can be used to: determine whether the payment function has been enabled in the power-off state or the power-off state according to the payment settings, and obtain the upper limit of the payment amount and / or the upper limit of the number of payments in the payment settings; and perform payment operations on digital currency that do not exceed the upper limit of the payment amount and / or the upper limit of the number of payments.

[0147] The digital currency card application device 800 may also include a second authentication module for: sending a user certificate of the receiving terminal to the payment device, receiving a user certificate sent by the payment device, using the received user certificate of the payment device to authenticate the user identity of the receiving terminal, and confirming that the user identity authentication of both the payment device and the receiving terminal is successful.

[0148] The digital currency card application device 800 runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but has an independent operating system from the payment terminal.

[0149] Figure 9 This is a schematic diagram of the main components of a payment terminal for paying digital currency according to an embodiment of the present invention. The payment terminal 900 for paying digital currency according to an embodiment of the present invention mainly includes a digital currency card application device 901 and an authentication module 902. The payment terminal 900 may also include a communication module, wherein the module structure and function of each module of the digital currency card application device 901 are the same as those of the digital currency card application device 700, and will not be repeated in this embodiment. The communication module is used to establish a communication connection with the receiving device, specifically a near-field communication connection. The authentication module 902, upon receiving the authentication HCI message reported by the digital currency card application device 901, authenticates the user through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password.

[0150] Figure 10 An exemplary system architecture 1000 is shown that can be applied to the digital currency payment method, digital currency collection method, or digital currency card application device according to embodiments of the present invention.

[0151] like Figure 10 As shown, system architecture 1000 may include terminal devices 1001, 1002, and 1003, network 1004, and server 1005. Network 1004 is used as a medium to provide communication links between terminal devices 1001, 1002, and 1003 and server 1005. Network 1004 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0152] Users can use terminal devices 1001, 1002, and 1003 to interact with server 1005 via network 1004 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 1001, 1002, and 1003, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0153] Terminal devices 1001, 1002, and 1003 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0154] Server 1005 can be a server that provides various services, such as a backend management server that supports shopping websites browsed by users using terminal devices 1001, 1002, and 1003 (for example only). The backend management server can analyze and process data such as received product information query requests, and feed back the processing results (such as target push information, product information - for example only) to the terminal devices.

[0155] It should be noted that the digital currency payment method or digital currency collection method provided in the embodiments of the present invention is generally executed by terminal devices 1001, 1002, and 1003. Correspondingly, the digital currency card application device is generally set in terminal devices 1001, 1002, and 1003.

[0156] It should be understood that Figure 10 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0157] The following is for reference. Figure 11 It shows a schematic diagram of the structure of a computer system 1100 suitable for implementing terminal devices or servers in the embodiments of this application. Figure 11 The terminal device or server shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of this application.

[0158] like Figure 11 As shown, the computer system 1100 includes a central processing unit (CPU) 1101, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 1102 or programs loaded from storage section 1108 into random access memory (RAM) 1103. The RAM 1103 also stores various programs and data required for the operation of the system 1100. The CPU 1101, ROM 1102, and RAM 1103 are interconnected via a bus 1104. An input / output (I / O) interface 1105 is also connected to the bus 1104.

[0159] The following components are connected to I / O interface 1105: an input section 1106 including a keyboard, mouse, etc.; an output section 1107 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 1108 including a hard disk, etc.; and a communication section 11011 including a network interface card such as a LAN card, modem, etc. The communication section 11011 performs communication processing via a network such as the Internet. A drive 1110 is also connected to I / O interface 1105 as needed. Removable media 1111, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., are installed on drive 1110 as needed so that computer programs read from them can be installed into storage section 1108 as needed.

[0160] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments of this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 11011, and / or installed from removable medium 1111. When the computer program is executed by central processing unit (CPU) 1101, it performs the functions defined above in the system of this application.

[0161] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this application, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0162] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of this application. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0163] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor may be described as including a limit determination module and a digital currency payment module. The names of these modules do not necessarily limit the module itself; for example, the limit determination module may also be described as "comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit in response to a digital currency payment request."

[0164] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to include: a digital currency card application device activated in the payment terminal, responding to a digital currency payment request, comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit; and the digital currency card application device paying digital currency according to the comparison result and payment settings. Alternatively, the device may include: when the payment terminal is in a powered-off state or a power-off state, an active digital currency card application device in the payment terminal responds to a digital currency payment request and acquires payment settings, wherein the powered-off state is a state in which the payment terminal remains powered off but has sufficient power 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 payment terminal to operate; the power-off state is a state in which the payment terminal remains powered off and has insufficient power to support the power-on operation, but can supply power to the NFC chip and SE chip in the payment terminal to operate; and digital currency payment is performed according to the payment settings.

[0165] According to the technical solution of the present invention, in response to a digital currency payment request, the digital currency card application device in the payment terminal compares the amount to be paid in the digital currency payment request with a preset authentication-free limit; the digital currency card application device pays digital currency according to the comparison result and payment settings. This enables authentication-free digital currency payment based on the payment terminal being powered on, and authentication-free digital currency payment when the payment terminal is powered off or the device is blacked out. In another embodiment, when the receiving terminal is powered off or powered off, the digital currency card application device in the receiving terminal, in response to a digital currency collection request, obtains the collection settings; and performs digital currency collection according to the collection settings. This enables digital currency collection in scenarios where the receiving terminal is powered off or powered off.

[0166] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A digital currency payment method, characterized in that, include: The digital currency card application device in the payment terminal, when activated, responds to a digital currency payment request by comparing the amount to be paid in the request with a preset authentication-free limit. The payment terminal includes a digital currency app and a digital currency card application device. The digital currency card application device is different from the digital currency app; a preset authentication-free limit is pre-set through the digital currency app on the payment terminal, and digital currency transactions are conducted through the digital currency card application device. The digital currency card application device runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but its operating system is independent of the payment terminal. The digital currency card application device remains activated regardless of the power state of the payment terminal. The digital currency card application device pays digital currency according to the payment settings based on the comparison result. When the current power state of the payment terminal is powered on, the digital currency card application device in the payment terminal is activated, wherein the powered-on state means that the payment terminal remains powered on. The digital currency card application device pays digital currency according to the comparison result and payment settings, including: if the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication payment settings. The digital currency card application device pays the digital currency according to the authentication payment settings, including: the digital currency card application device obtaining settings on whether to enable the authentication payment function; if the authentication payment function is not enabled, the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

2. The method according to claim 1, characterized in that, When the current power state of the payment terminal is either powered off or powered off, the digital currency card application device in the payment terminal is activated. The powered off state means the payment terminal remains powered off but has sufficient power to support power-on operation, and the power required for power-on is greater than the power required for the NFC chip and SE chip in the payment terminal to operate. The powered off state means the payment terminal remains powered off and has insufficient power to support power-on operation, but can still supply power to the NFC chip and SE chip in the payment terminal. The digital currency card application device, based on the comparison result, pays digital currency according to the payment settings, including: The digital currency card application device confirms that the amount to be paid is less than or equal to the preset authentication-free limit, and then pays the digital currency according to the authentication-free payment settings.

3. The method according to claim 1 or 2, characterized in that, The payment of the digital currency according to the authentication-free payment setting includes: The digital currency card application device has an upper limit setting for the cumulative number of payments and / or the cumulative amount that can be obtained without authentication. If no upper limit is set for the cumulative number of payments without authentication and / or the cumulative amount, the digital currency amount to be paid will be paid to the receiving device without authentication. If an upper limit has been set for the cumulative number of payments without authentication and / or the cumulative amount, then it is determined that the current cumulative number of payments without authentication and / or the cumulative amount has not exceeded the set upper limit for the cumulative number of payments without authentication, and then the digital currency amount to be paid is paid to the receiving device without authentication.

4. The method according to claim 3, characterized in that, Before comparing the amount to be paid in the digital currency payment request with the preset authentication-free limit, the method further includes: setting the preset authentication-free limit in advance through the digital currency APP of the payment terminal; Before determining that the cumulative number of times and / or the cumulative amount of the current authentication-free payment does not exceed the set upper limit for the cumulative number of times and / or the cumulative amount of authentication-free payments, the method further includes: setting the upper limit for the cumulative number of times and / or the cumulative amount of the authentication-free payment in advance through the digital currency APP of the payment terminal.

5. The method according to claim 1, characterized in that, The user authentication process via the authentication interface includes: The digital currency card application device reports an authentication HCI message to the authentication module of the payment terminal, so that the authentication module displays an authentication interface and authenticates the user through one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password.

6. The method according to claim 1, characterized in that, Before paying digital currency according to the payment settings, the following are included: The payment terminal and the receiving device send their respective user certificates to each other, and use the received user certificates to authenticate the other party's user identity, and confirm that the user identity authentication of both parties is successful.

7. The method according to claim 1, characterized in that, The digital currency card application device is automatically set to always be active after the digital currency function is activated.

8. A method for receiving digital currency payments, characterized in that, include: When the payment terminal is in a powered-off state or a power-off state, the digital currency card application device in the payment terminal, which is in an active state, responds to the digital currency payment request and obtains the payment settings. The powered-off state means that the payment terminal remains powered off but has sufficient power 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 payment terminal to operate. The power-off state means that the payment terminal remains powered off and its power is insufficient to support the power-on operation, but it can still supply power to the NFC chip and SE chip in the payment terminal. The digital currency card application device runs in the security unit of the payment terminal, shares a power supply with the payment terminal, but its operating system is independent of the payment terminal. The digital currency card application device remains active regardless of the power state of the payment terminal. Receive digital currency payments according to the described payment settings; The payment terminal includes a digital currency APP and a digital currency card application device. The digital currency card application device is different from the digital currency APP. A preset authentication-free limit is set in advance through the digital currency APP of the payment terminal, and digital currency transactions are carried out through the digital currency card application device. When the current power status of the payment terminal is powered on, the digital currency card application device in the payment terminal is in an active state. The powered-on state means that the payment terminal is kept powered on. The digital currency card application device in the payment terminal compares the amount to be paid in the digital currency payment request with a preset authentication-free limit. Based on the comparison result, it pays the digital currency according to the payment settings, including: if the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication payment settings. The digital currency card application device pays the digital currency according to the authentication payment settings, including: the digital currency card application device obtaining settings on whether to enable the authentication payment function; if the authentication payment function is not enabled, the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

9. The method according to claim 8, characterized in that, The process of receiving digital currency payments according to the aforementioned payment settings includes: Based on the payment settings, it is determined whether the payment function has been enabled in the power-on or power-off state, and the upper limit of the payment amount and / or the upper limit of the number of payments in the payment settings are obtained. The digital currency is used to perform payment collection operations not exceeding the upper limit of the collection amount and / or the upper limit of the number of collection transactions.

10. The method according to claim 8, characterized in that, Before receiving digital currency payments according to the aforementioned payment settings, the process includes: The receiving terminal and the payment terminal send their respective user certificates to each other, and use the received user certificates to authenticate the other party's user identity, and confirm that the user identity authentication of both parties is successful.

11. The method according to claim 8, characterized in that, The digital currency card application device is automatically set to always be active after the digital currency function is activated.

12. A digital currency card application device, characterized in that, The digital currency card application device is installed in the payment terminal and runs in the security unit of the payment terminal. It shares a power supply with the payment terminal, but its operating system is independent of the payment terminal. The device remains active regardless of the power state of the payment terminal. The device includes: The limit determination module is used to respond to a digital currency payment request by comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit. The digital currency payment module is used to pay digital currency according to the payment settings based on the comparison result. The payment terminal includes a digital currency APP and a digital currency card application device. The digital currency card application device is different from the digital currency APP. The digital currency APP pre-sets a preset authentication-free limit, and the digital currency card application device conducts digital currency transactions. When the current power status of the payment terminal is powered on, the digital currency card application device is in an active state. The powered-on state means that the payment terminal is kept powered on. The digital currency card application device pays digital currency according to the comparison result and payment settings, including: if the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication payment settings. The digital currency card application device pays the digital currency according to the authentication payment settings, including: the digital currency card application device obtaining settings on whether to enable the authentication payment function; if the authentication payment function is not enabled, the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

13. A digital currency card application device, characterized in that, The digital currency card application device is installed in the payment terminal and runs in the security unit of the payment terminal. It shares a power supply with the payment terminal, but its operating system is independent of the payment terminal. The device is always active, regardless of the power state of the payment terminal. The device includes: The payment request receiving module is used to respond to a digital currency payment request and obtain payment settings when the payment terminal is in a powered-off state or a power-off state. The powered-off state is when the payment terminal is kept 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 payment terminal to operate. The power-off state is when the payment terminal is kept off and the power supply is insufficient to support the power-on operation, but it can provide power to the NFC chip and SE chip in the payment terminal to operate. The digital currency payment module is used to receive digital currency payments according to the payment settings. The payment terminal includes a digital currency APP and a digital currency card application device. The digital currency card application device is different from the digital currency APP. A preset authentication-free limit is set in advance through the digital currency APP of the payment terminal, and digital currency transactions are carried out through the digital currency card application device. When the current power status of the payment terminal is powered on, the digital currency card application device in the payment terminal is in an active state. The powered-on state means that the payment terminal is kept powered on. The digital currency card application device in the payment terminal compares the amount to be paid in the digital currency payment request with a preset authentication-free limit. Based on the comparison result, it pays the digital currency according to the payment settings, including: if the amount to be paid is less than or equal to the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication-free payment settings; if the amount to be paid is greater than the preset authentication-free limit, the digital currency card application device pays the digital currency according to the authentication payment settings. The digital currency card application device pays the digital currency according to the authentication payment settings, including: the digital currency card application device obtaining settings on whether to enable the authentication payment function; if the authentication payment function is not enabled, the digital currency amount to be paid is paid to the receiving device without authentication; if the authentication payment function is enabled, user authentication is performed through the authentication interface, and after successful authentication, the digital currency amount to be paid is paid to the receiving device.

14. A payment terminal for paying digital currency, characterized in that, The digital currency card application device as described in claim 12 further includes an authentication module, wherein: The authentication module is used to authenticate users through the authentication interface using one or more authentication methods such as fingerprint, face, iris, voiceprint, gesture, and password after receiving the authentication HCI message reported by the digital currency card application device.

15. An electronic device, characterized in that, include: One or more processors; Memory, used to store one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors cause the one or more processors to implement the method as described in any one of claims 1-11.

16. A computer-readable medium having a computer program stored thereon, characterized in that, When the computer program is executed by a processor, it implements the method as described in any one of claims 1-11.

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