Ultra-broadband-based payment methods, devices, computer equipment, and payment terminals

Abstract

This invention discloses a payment method, apparatus, computer device, and payment terminal based on ultra-wideband (UWB) technology. The method includes: receiving payment request information sent by a receiving terminal via an UWB channel, wherein the payment request information requests a payment terminal to complete a target transaction, which is a payment from the payment terminal to the receiving terminal; encrypting the payment request information using a first key to obtain encrypted information; transmitting the encrypted information to a security chip via a secure channel, wherein the security chip verifies the target transaction based on the encrypted information and generates a payment result; receiving the payment result returned by the security chip and sending the payment result to the receiving terminal via the UWB channel. This invention solves the technical problem of transaction risk caused by the potential interception of transaction information when conducting transactions based on UWB technology.

Description

Technical Field

[0001] This invention relates to the field of digital currency technology, and more specifically, to a payment method, apparatus, computer equipment, and payment terminal based on ultra-wideband. Background Technology

[0002] Cryptocurrencies possess value characteristics and can complete payments without relying on a network. This means that cryptocurrencies can directly transfer value between the sender and receiver to complete transactions. Therefore, cryptocurrencies can facilitate peer-to-peer payments using various near-field communication (NFC) technologies. Among these technologies, NFC, Bluetooth, and other NFC-based NFC methods are commonly used for value transfer between transacting parties. However, this method has certain limitations. First, NFC and Bluetooth cannot accurately detect spatial location. Second, while NFC technology has strong sensing capabilities, its effective range is limited to within 5 centimeters. Furthermore, Ultra-Wideband (UWB) technology can satisfy both precise positioning in terms of distance and spatial angle, and achieve stable data transmission. It can function as a value transfer tool in some scenarios. However, current end-to-end UWB chips can only transmit data to the app software layer for storage. During this process, transaction information is vulnerable to interception and tampering by hardware engineers, leading to transaction risks.

[0003] There is currently no effective solution to the above problems. Summary of the Invention

[0004] This invention provides a payment method, apparatus, computer equipment, and payment terminal based on ultra-wideband (UWB) technology, to at least solve the technical problem of transaction risks caused by the potential interception of transaction information when conducting transactions based on UWB technology.

[0005] According to one aspect of the present invention, an ultra-wideband (UWB) payment method is provided, comprising: receiving payment request information sent by a receiving terminal via an UWB channel, wherein the payment request information is used to request a paying terminal to complete a target transaction, the target transaction being a payment from the paying terminal to the receiving terminal; encrypting the payment request information using a first key to obtain encrypted information; transmitting the encrypted information to a security chip via a secure channel, wherein the security chip is used to verify the target transaction and generate a payment result based on the encrypted information; receiving the payment result returned by the security chip, and sending the payment result to the receiving terminal via the UWB channel.

[0006] Optionally, encrypting the payment request information using the first key to obtain encrypted information includes: calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip of the payment terminal; and encrypting the payment request information using the first key to obtain the encrypted information.

[0007] Optionally, the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0008] Optionally, the secure channel includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

[0009] Optionally, the payment request information includes at least one of the following: the identity information of the payment terminal, authentication information, the amount to be paid, and the network status of the payment terminal.

[0010] Optionally, receiving the payment result returned by the security chip includes: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, receiving a digital currency string returned by the security chip, wherein the payment result includes the digital currency string generated by the security chip based on the encryption information; and when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, receiving payment status information returned by the security chip, wherein the payment result includes the payment status information, which describes whether the payment terminal has completed the payment to the receiving terminal.

[0011] According to another aspect of the present invention, a payment method based on ultra-wideband (UWB) is also provided, comprising: receiving encrypted information transmitted by an UWB chip of a payment terminal through a secure channel, wherein the encrypted information is obtained by the UWB chip encrypting payment request information using a first key, the payment request information being information sent by a receiving terminal to request completion of a target transaction, the target transaction being a payment from the payment terminal to the receiving terminal; verifying the target transaction according to the encrypted information and generating a payment result; and returning the payment result to the UWB chip.

[0012] Optionally, the step of verifying the target transaction based on the encrypted information and generating a payment result includes: calling a second key corresponding to the secure channel, wherein the second key is pre-stored in the secure chip and matches the first key; using the second key to decrypt the encrypted information to obtain the payment request information; and verifying the target transaction based on the payment request information to generate the payment result.

[0013] Optionally, the payment request information includes at least one of the following: the identity information of the payment terminal, authentication information, the amount to be paid, and the network status of the payment terminal.

[0014] Optionally, verifying the target transaction based on the payment request information and generating the payment result includes: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, generating a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; and when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, generating payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes the payment status information, and the payment status information is used to describe whether the payment to the receiving terminal has been completed.

[0015] Optionally, the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0016] Optionally, the secure channel includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

[0017] According to another aspect of the present invention, an ultra-wideband (UWB) payment method is also provided, comprising: an UWB chip receiving payment request information, wherein the payment request information is sent by a receiving terminal via a UWB channel to request a paying terminal to complete a target transaction, the target transaction being a payment from the paying terminal to the receiving terminal; the UWB chip encrypting the payment request information using a first key to obtain encrypted information; the UWB chip transmitting the encrypted information to a security chip via a secure channel; the security chip verifying the target transaction based on the encrypted information and generating a payment result; the security chip returning the payment result to the UWB chip; and the UWB chip sending the payment result to the receiving terminal via the UWB channel.

[0018] Optionally, the UWB chip uses a first key to encrypt the payment request information to obtain encrypted information, including: the UWB chip calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip; and the UWB chip using the first key to encrypt the payment request information to obtain the encrypted information.

[0019] Optionally, the security chip verifies the target transaction based on the encrypted information and generates a payment result, including: the security chip calling a second key corresponding to the secure channel, wherein the second key is pre-stored in the security chip and matches the first key; the security chip uses the second key to decrypt the encrypted information to obtain the payment request information; and the security chip verifies the target transaction based on the payment request information and generates the payment result.

[0020] Optionally, the payment request information includes at least one of the following: the identity information of the payment terminal, authentication information, the amount to be paid, and the network status of the payment terminal.

[0021] Optionally, the security chip verifies the target transaction based on the payment request information and generates the payment result, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the security chip generates a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the security chip generates payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes the payment status information, and the payment status information is used to describe whether the payment to the receiving terminal has been completed.

[0022] Optionally, the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0023] Optionally, the secure channel includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

[0024] According to another aspect of the present invention, an ultra-wideband (UWB) payment method is also provided, comprising: a UWB chip of a receiving terminal establishing an UWB channel with a payment terminal via broadcasting a UWB signal; the UWB chip of the receiving terminal receiving a payment request sent by the payment terminal through the UWB channel, wherein the payment request is used to request the receiving terminal to complete a target transaction, the target transaction being a payment from the payment terminal to the receiving terminal; the UWB chip of the receiving terminal transmitting the payment request to a security chip of the receiving terminal; the security chip of the receiving terminal generating encrypted payment request information according to the payment request and transmitting the payment request information to the UWB chip of the receiving terminal; the UWB chip of the receiving terminal sending the payment request information to the payment terminal; the UWB chip of the receiving terminal receiving a payment result returned by the payment terminal and transmitting the payment result to the security chip of the receiving terminal; and the security chip of the receiving terminal verifying the target transaction based on the payment result.

[0025] Optionally, the payment terminal security chip generates encrypted payment request information based on the payment request, including: obtaining the network status of the payment terminal from the payment terminal; if the payment terminal is online, the payment terminal security chip generates an encrypted first payment method request, wherein the payment request information includes the first payment method request, which is used to instruct the payment terminal to return any one of the following two payment results: a digital currency string, or payment status information; if the payment terminal is offline, the payment terminal security chip generates an encrypted second payment method request, wherein the payment request information includes the second payment method request, which is used to instruct the payment terminal to return a payment result of: a digital currency string.

[0026] Optionally, the payment terminal security chip verifies the target transaction based on the payment result, including: when the payment result is a digital currency string, the payment terminal security chip verifies the digital currency string, and if the digital currency string passes verification, determines that the payment terminal has completed the target transaction; when the payment result is payment status information, the payment terminal security chip generates accounting information based on the payment status information and sends the accounting information to the bank's backend through the payment terminal; receives the accounting information verification result returned by the bank's backend, and if the accounting information verification result indicates that the accounting information has passed verification, determines that the payment terminal has completed the target transaction.

[0027] According to another aspect of the present invention, an ultra-wideband (UWB) payment device is also provided, comprising: a first receiving module, configured to receive payment request information sent by a receiving terminal via an UWB channel, wherein the payment request information is used to request a payment terminal to complete a target transaction, the target transaction being a payment from the payment terminal to the receiving terminal; a first encryption module, configured to encrypt the payment request information using a first key to obtain encrypted information; a first transmission module, configured to transmit the encrypted information to a security chip via a secure channel, wherein the security chip is used to verify the target transaction based on the encrypted information and generate a payment result; and a first sending module, configured to receive the payment result returned by the security chip and send the payment result to the receiving terminal via the UWB channel.

[0028] According to another aspect of the present invention, an ultra-wideband (UWB) payment device is also provided, comprising: a second receiving module, configured to receive encrypted information transmitted by a UWB chip through a secure channel, wherein the encrypted information is obtained by the UWB chip encrypting payment request information using a first key, and the payment request information is information sent by a payment terminal to request completion of a target transaction received by the UWB chip; a first generating module, configured to verify the target transaction based on the encrypted information and generate a payment result; and a first returning module, configured to return the payment result to the UWB chip.

[0029] According to another aspect of the present invention, an ultra-wideband (UWB) payment device is also provided, comprising: a third receiving module, configured to receive payment request information via a UWB chip, wherein the payment request information is information sent by a receiving terminal via a UWB channel to request a payment terminal to complete a target transaction, the target transaction being a payment from the payment terminal to the receiving terminal, and the payment terminal including the UWB chip and a security chip; a second encryption module, configured to encrypt the payment request information using a first key to obtain encrypted information; a second transmission module, configured to transmit the encrypted information to the security chip via a secure channel; a second generation module, configured to verify the target transaction based on the encrypted information and generate a payment result; a second return module, configured to return the payment result to the UWB chip via the security chip; and a second sending module, configured to send the payment result to the receiving terminal via the UWB channel.

[0030] According to another aspect of the present invention, an ultra-wideband (UWB) payment device is also provided, comprising: an establishment module for a receiving terminal UWB chip to establish an UWB channel with a payment terminal via broadcasting a UWB signal; a third transmission module for the receiving terminal UWB chip to receive a payment request sent by the payment terminal via the UWB channel, wherein the payment request is used to request the receiving terminal to complete a target transaction, the target transaction being a payment from the payment terminal to the receiving terminal; and a third transmission module for the receiving terminal UWB chip to transmit the payment request to the receiving terminal. The system includes: a terminal security chip; a third encryption module for generating encrypted payment request information based on the payment request and transmitting the payment request information to the UWB chip of the payment terminal; a fourth sending module for sending the payment request information to the payment terminal; a fourth receiving module for receiving the payment result returned by the payment terminal and transmitting the payment result to the security chip of the payment terminal; and a verification module for verifying the target transaction based on the payment result.

[0031] According to another aspect of the present invention, a non-volatile storage medium is also provided, the non-volatile storage medium including a stored program, wherein, when the program is executed, the device where the non-volatile storage medium is located is controlled to perform any of the payment methods described above.

[0032] According to another aspect of the present invention, a computer device is also provided, the computer device including a processor, the processor being configured to run a program, wherein the program, when running, executes any of the payment methods described above.

[0033] In this embodiment of the invention, the payment request information is encrypted in the UWB chip of the payment terminal. By encrypting the payment request information with a first key, encrypted information is obtained, which is then transmitted to the security chip through a secure channel. The payment result returned by the security chip is received, and the payment result is sent to the receiving terminal through the UWB channel. This achieves the purpose of ensuring transaction security during the execution of the target transaction by the payment terminal, thereby reducing the technical effect of transaction risk when conducting transactions based on UWB technology. It also solves the technical problem of transaction risk caused by the possible interception of transaction information when conducting transactions based on UWB technology. Attached Figure Description

[0034] The accompanying drawings, which are included to provide a further understanding of the invention and form part of this application, illustrate exemplary embodiments of the invention and, together with their description, serve to explain the invention and do not constitute an undue limitation thereof. In the drawings:

[0035] Figure 1 A hardware structure block diagram of a computer terminal for implementing an ultra-wideband payment method is shown.

[0036] Figure 2 This is a flowchart illustrating a payment method based on ultra-broadband provided according to an embodiment of the present invention.

[0037] Figure 3 This is a flowchart illustrating a second payment method based on ultra-broadband provided according to an embodiment of the present invention;

[0038] Figure 4 This is a flowchart illustrating a payment method based on ultra-broadband according to an embodiment of the present invention.

[0039] Figure 5 This is a flowchart illustrating a payment method based on ultra-broadband provided in an embodiment of the present invention.

[0040] Figure 6 This is a timing diagram of a payment method based on ultra-wideband provided according to an optional embodiment of the present invention;

[0041] Figure 7 This is a timing diagram of a single offline payment method based on ultra-wideband according to an optional embodiment of the present invention;

[0042] Figure 8 This is a timing diagram of a dual offline payment method based on ultra-wideband provided according to an optional embodiment of the present invention;

[0043] Figure 9 This is a structural block diagram of a payment device based on ultra-wideband according to an embodiment of the present invention;

[0044] Figure 10 This is a structural block diagram of a payment device based on ultra-wideband according to an embodiment of the present invention;

[0045] Figure 11 This is a structural block diagram of a payment device three based on ultra-wideband according to an embodiment of the present invention;

[0046] Figure 12 This is a structural block diagram of a payment device based on ultra-wideband according to an embodiment of the present invention;

[0047] Figure 13 This is a structural block diagram of a payment terminal provided according to an embodiment of the present invention. Detailed Implementation

[0048] To enable those skilled in the art to better understand the present invention, the technical solutions of the present invention will be clearly and completely described below with reference to the accompanying drawings of the embodiments of the present invention. Obviously, the described embodiments are only some embodiments of the present invention, and not all embodiments. Based on the embodiments of the present invention, all other embodiments obtained by those skilled in the art without creative effort should fall within the scope of protection of the present invention.

[0049] It should be noted that the terms "first," "second," etc., in the specification, claims, and accompanying drawings of this invention are used to distinguish similar objects and are not necessarily used to describe a specific order or sequence. It should be understood that such data can be interchanged where appropriate so that the embodiments of the invention described herein can be implemented in orders other than those illustrated or described herein. Furthermore, the terms "comprising" and "having," and any variations thereof, are intended to cover a non-exclusive inclusion; for example, a process, method, system, product, or apparatus that comprises a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such processes, methods, products, or apparatus.

[0050] According to an embodiment of the present invention, an embodiment of a payment method based on ultra-wideband is provided. It should be noted that the steps shown in the flowchart in the accompanying drawings can be executed in a computer system such as a set of computer-executable instructions. Furthermore, although a logical order is shown in the flowchart, in some cases, the steps shown or described may be executed in a different order than that shown here.

[0051] The method embodiment provided in Embodiment 1 of this application can be executed on a mobile terminal, computer terminal, or similar computing device. Figure 1 A hardware block diagram of a computer terminal for implementing an ultra-wideband payment method is shown. Figure 1 As shown, the computer terminal 10 may include one or more processors (shown as 102a, 102b, ..., 102n in the figure) (the processor may include, but is not limited to, a microprocessor MCU or a programmable logic device FPGA, etc.) and a memory 104 for storing data. In addition, it may also include: a display, an input / output interface (I / O interface), a universal serial bus (USB) port (which may be included as one of the ports of a BUS bus), a network interface, a power supply, and / or a camera. Those skilled in the art will understand that... Figure 1 The structure shown is for illustrative purposes only and does not limit the structure of the aforementioned electronic device. For example, computer terminal 10 may also include... Figure 1 The more or fewer components shown, or having the same Figure 1 The different configurations shown.

[0052] It should be noted that the aforementioned one or more processors and / or other data processing circuits are generally referred to herein as "data processing circuits". These data processing circuits may be implemented wholly or partially as software, hardware, firmware, or any other combination thereof. Furthermore, the data processing circuits may be a single, independent processing module, or may be wholly or partially integrated into any other element in the computer terminal 10. As involved in the embodiments of this application, the data processing circuits serve as processor control (e.g., selection of a variable resistor termination path connected to an interface).

[0053] The memory 104 can be used to store software programs and modules of application software, such as the program instructions / data storage device corresponding to the payment method in this embodiment of the invention. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory 104, thereby implementing the payment method of the aforementioned application. The memory 104 may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory 104 may further include memory remotely located relative to the processor, and these remote memories can be connected to the computer terminal 10 via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0054] The display may be, for example, a touchscreen liquid crystal display (LCD) that allows the user to interact with the user interface of the computer terminal 10.

[0055] In existing technologies, UWB payment methods lack hardware-level security. In scenarios where UWB is used for payment, if the payment information is intercepted before reaching the security chip, payment risks may arise.

[0056] The proposed solution is applied to the UWB chip of the payment terminal. The key is stored in the UWB chip, and the transaction information received by the UWB chip is encrypted and then transmitted to the security chip through a secure line to ensure the security of the UWB payment method.

[0057] Figure 2 This is a flowchart illustrating a payment method based on ultra-wideband (UWB) according to an embodiment of the present invention. Optionally, this payment method can be applied to the UWB chip of a payment terminal. Figure 2 As shown, the method includes the following steps:

[0058] Step S202: Receive payment request information sent by the receiving terminal through the Ultra Wideband (UWB) channel. The payment request information is used to request the paying terminal to complete the target transaction, which is a payment from the paying terminal to the receiving terminal.

[0059] Optionally, in a transaction scheme using UWB technology for value transfer, the receiving terminal can be, for example, an automatic toll collection device in a park, such as a ticket collection device or an entrance gate, while the payment terminal can be a smart device carried by the visitor that has a UWB chip and supports ultra-wideband functionality. Those skilled in the art will understand that UWB chips have very low standby power; therefore, the UWB chip in the payment terminal can be constantly operational, while the receiving terminal broadcasts low-power UWB signals. When the UWB chip in the payment terminal detects the UWB signal broadcast by the receiving terminal, the payment terminal can actively connect to the receiving terminal to establish a connection and conduct the target transaction, i.e., the payment terminal pays the receiving terminal, such as for park admission fees.

[0060] It should be noted that in scenarios where UWB technology is used for digital currency value exchange, the payee and payer can implicitly agree to a password-free payment agreement. That is, the payee sends a payment request to the payer's payment terminal directly through the receiving terminal, requesting the payer to make payment. After verifying the identity of the receiving terminal, the payer does not need to enter a password or perform other verification methods and can directly make payment to the payee, thus achieving the effect of convenient payment.

[0061] Step S204: Encrypt the payment request information using the first key to obtain encrypted information. It should be noted that the first key can be either a symmetric key or an asymmetric key.

[0062] As an optional embodiment, the payment request information is encrypted using the first key to obtain encrypted information, which can be done in the following way: calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip of the payment terminal; and encrypting the payment request information using the first key to obtain encrypted information.

[0063] The first key can be pre-stored in the UWB chip of the payment terminal. Those skilled in the art will understand that the UWB chip has relatively small storage space, which can store keys of suitable length for data encryption. Optionally, the storage space in the UWB chip is typically several hundred bytes; therefore, the key type selected for the first key should be a key with a length within several hundred bytes. If the first key is an asymmetric key, then the first key is the private key in the key pair.

[0064] As an optional embodiment, the key type of the first key includes any one of the following: an elliptic curve cryptography (ECC) key, or an RSA key. The ECC key can take one of several specific key forms, such as an elliptic curve cryptography (ECC) key or an SM2 national standard elliptic curve cryptography (SCD) key; the RSA algorithm is the Ronald Adienard encryption algorithm, and keys generated based on this algorithm are called RSA key.

[0065] Step S206: Transmit encrypted information to the security chip through a secure channel, wherein the security chip is used to verify the target transaction and generate a payment result based on the encrypted information.

[0066] As an optional embodiment, the secure channel can be a physical transmission channel between the UWB chip and the security chip of the payment terminal. The UWB chip can encrypt only the data transmitted through the secure channel using a first key, and then transmit the encrypted information through the physical transmission channel to ensure the transaction security between the UWB chip and the security chip.

[0067] It should be noted that the payment request information acquired by the payment terminal's UWB chip via UWB signals can be information that has already been encrypted by the receiving terminal. For example, after the receiving terminal generates a payment request requesting payment from the payment terminal, the receiving terminal's security chip first encrypts the payment request, obtaining the encrypted payment request information. Then, the payment request information is transmitted from the receiving terminal's security chip to its UWB chip via the channel between the receiving terminal's security chip and the receiving terminal's UWB chip. Finally, the payment request information is sent to the payment terminal's UWB chip via the established UWB channel between the receiving terminal's UWB chip and the payment terminal's UWB chip, ensuring that the content of the payment request is not intercepted during transmission and thus not leaked. Furthermore, the payment terminal's UWB chip, upon receiving the encrypted payment request information, performs a second encryption using a first key agreed upon between the UWB chip and the security chip to further ensure transaction security.

[0068] Optionally, the secure channel may include at least one of the following types: internal integrated circuit I2C bus, serial peripheral interface (SPI) bus. The I2C bus is a bidirectional two-wire synchronous serial bus; all UWB chips support using the I2C bus for connection and data transmission with other devices. It should be noted that not all UWB chips support the SPI bus. For UWB chips that do not support the SPI bus, the I2C bus interface can be used for data transmission with the secure chip. The secure chip, on the other hand, can support both I2C bus and SPI bus transmission.

[0069] Step S208: Receive the payment result returned by the security chip and send the payment result to the receiving terminal via the UWB channel. The payment result may indicate that the payment terminal has completed the target transaction, or it may indicate that the target transaction has not been completed. For example, if the payment terminal does not have sufficient digital currency, the payment result will be "payment incomplete." Optionally, if the receiving terminal receives a payment result indicating that the payment terminal has completed the target transaction, it can record the information and open the gate or turnstile for the payer, allowing them to enter the park.

[0070] Through the above steps, the payment request information is encrypted in the UWB chip of the payment terminal. By encrypting the payment request information with a first key, encrypted information is obtained and transmitted to the security chip through a secure channel. The payment result returned by the security chip is received and sent to the receiving terminal through the UWB channel. This achieves the goal of ensuring transaction security during the execution of the target transaction by the payment terminal, thereby reducing the transaction risk when conducting transactions based on UWB technology. It also solves the technical problem of transaction risk caused by the possible interception of transaction information when conducting transactions based on UWB technology.

[0071] As an optional embodiment, the payment request information may include at least one of the following: the identity information of the receiving terminal, authentication information, the amount to be received, and the network status of the receiving terminal. The identity information, authentication information, and amount to be received of the receiving terminal can be used by the paying terminal to verify the legality of the transaction, determine whether to transfer funds to the receiving terminal and the amount to be transferred, while the network status of the receiving terminal can be used by the paying terminal to determine how to send the payment result back to the receiving terminal.

[0072] As an optional embodiment, the payment result returned by the security chip can be received in the following manner: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the digital currency string returned by the security chip is received, wherein the payment result includes the digital currency string generated by the security chip based on encrypted information; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the payment status information returned by the security chip is received, wherein the payment result includes payment status information, which describes whether the payment terminal has completed the payment to the receiving terminal.

[0073] This optional embodiment provides two different scenarios: whether the receiving terminal is connected to the internet. For receiving terminals without internet access, they cannot know whether the paying terminal has completed the target transaction through other means. Therefore, the paying terminal needs to send the digital currency string generated upon completion of the target transaction to the receiving terminal for confirmation. In this scenario, the payment result returned by the security chip to the paying terminal's UWB chip is the digital currency string generated by the security chip based on the target transaction. The paying terminal's UWB chip then transmits this digital currency string to the receiving terminal for confirmation of the target transaction completion. For receiving terminals connected to the internet, the receiving terminal can connect to the bank's backend via the internet and confirm the payer's completion of the target transaction through the bank's accounting system. In this case, the paying terminal's security chip can simply return the payment status information (whether the target transaction has been completed) to the paying terminal's UWB chip. The paying terminal's UWB chip then sends the payment status information to the receiving terminal via the UWB channel. The receiving terminal can then query the bank's backend for the transaction result based on this payment status information.

[0074] Figure 3 This is a flowchart illustrating a second payment method based on ultra-wideband technology according to an embodiment of the present invention. Optionally, the second payment method based on ultra-wideband technology can be applied to the security chip of a payment terminal. Figure 3 As shown, the method includes the following steps:

[0075] Step S302: Receive encrypted information transmitted by the UWB chip of the payment terminal through a secure channel. The encrypted information is obtained by the UWB chip encrypting the payment request information using a first key. The payment request information is information sent by the receiving terminal to request the completion of the target transaction, which is a payment from the payment terminal to the receiving terminal.

[0076] Step S304: Verify the target transaction based on the encrypted information and generate a payment result.

[0077] Step S306: Return the payment result to the UWB chip.

[0078] Through the above steps, the payment request information is encrypted in the UWB chip of the payment terminal. By encrypting the payment request information with a first key, encrypted information is obtained and transmitted to the security chip through a secure channel. The payment result returned by the security chip is received and sent to the receiving terminal through the UWB channel. This achieves the goal of ensuring transaction security during the execution of the target transaction by the payment terminal, thereby reducing the transaction risk when conducting transactions based on UWB technology. It also solves the technical problem of transaction risk caused by the possible interception of transaction information when conducting transactions based on UWB technology.

[0079] As an optional embodiment, the payment result can be generated by verifying the target transaction based on the encrypted information in the following manner: calling the second key corresponding to the secure channel, wherein the second key is pre-stored in the secure chip and matches the first key; using the second key to decrypt the encrypted information to obtain the payment request information; verifying the target transaction based on the payment request information to generate the payment result.

[0080] Optionally, if the first key is an asymmetric key, then the first key is the private key, and the second key is the public key corresponding to the private key. The UWB chip and the security chip can pre-negotiate the public and private keys. If the first key is a symmetric key, then the second key is the same as the first key.

[0081] As an optional embodiment, the payment request information may include at least one of the following: the identity information of the receiving terminal, authentication information, the amount to be received, and the network status of the receiving terminal.

[0082] As an optional embodiment, verifying the target transaction based on the payment request information and generating a payment result may include the following steps: if the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, generating a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; if the network status of the receiving terminal is that the receiving terminal is connected to the Internet, generating payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes payment status information, which is used to describe whether the payment to the receiving terminal has been completed.

[0083] As an optional embodiment, the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0084] As an optional embodiment, the secure channel includes at least one of the following: an internal integrated circuit I2C bus, a serial peripheral interface SPI bus.

[0085] Figure 4 This is a flowchart illustrating a payment method three based on ultra-wideband technology according to an embodiment of the present invention. Optionally, this payment method three can be applied to a payment terminal. Figure 4 As shown, the method includes the following steps:

[0086] In step S402, the UWB chip receives payment request information, wherein the payment request information is sent by the receiving terminal through the UWB channel to request the paying terminal to complete the target transaction, and the target transaction is payment from the paying terminal to the receiving terminal.

[0087] In step S404, the UWB chip uses the first key to encrypt the payment request information to obtain encrypted information;

[0088] In step S406, the UWB chip transmits encrypted information to the security chip through a secure channel;

[0089] In step S408, the security chip verifies the target transaction based on the encrypted information and generates a payment result;

[0090] In step S410, the security chip returns the payment result to the UWB chip;

[0091] In step S412, the UWB chip sends the payment result to the receiving terminal via the UWB channel.

[0092] Through the above steps, the payment request information is encrypted in the UWB chip of the payment terminal. By encrypting the payment request information with a first key, encrypted information is obtained and transmitted to the security chip through a secure channel. The payment result returned by the security chip is received and sent to the receiving terminal through the UWB channel. This achieves the goal of ensuring transaction security during the execution of the target transaction by the payment terminal, thereby reducing the transaction risk when conducting transactions based on UWB technology. It also solves the technical problem of transaction risk caused by the possible interception of transaction information when conducting transactions based on UWB technology.

[0093] As an optional embodiment, the UWB chip uses a first key to encrypt the payment request information to obtain encrypted information, including: the UWB chip calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip; the UWB chip uses the first key to encrypt the payment request information to obtain encrypted information.

[0094] As an optional embodiment, the security chip verifies the target transaction based on the encrypted information and generates a payment result, including: the security chip calling a second key corresponding to the secure channel, wherein the second key is pre-stored in the security chip and matches the first key; the security chip uses the second key to decrypt the encrypted information to obtain payment request information; and the security chip verifies the target transaction based on the payment request information and generates a payment result.

[0095] As an optional embodiment, the payment request information includes at least one of the following: the identity information of the receiving terminal, authentication information, the amount to be received, and the network status of the receiving terminal.

[0096] As an optional embodiment, the security chip verifies the target transaction based on the payment request information and generates a payment result, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the security chip generates a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the security chip generates payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes payment status information, which describes whether the payment to the receiving terminal has been completed.

[0097] As an optional embodiment, the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0098] As an optional embodiment, the secure channel includes at least one of the following: an internal integrated circuit I2C bus, a serial peripheral interface SPI bus.

[0099] Figure 5 This is a flowchart illustrating a fourth payment method based on ultra-wideband technology according to an embodiment of the present invention. Optionally, this fourth payment method can be applied to a payment terminal. Figure 5 As shown, the method includes the following steps:

[0100] In step S502, the UWB chip of the receiving terminal establishes an ultra-wideband UWB channel with the payment terminal by broadcasting a UWB signal.

[0101] In step S504, the UWB chip of the receiving terminal receives a payment request sent by the payment terminal through the UWB channel. The payment request is used to request the receiving terminal to complete the target transaction, which is a payment from the payment terminal to the receiving terminal.

[0102] In step S506, the UWB chip of the payment terminal transmits the payment request to the security chip of the payment terminal.

[0103] In step S508, the security chip of the receiving terminal generates encrypted payment request information based on the payment request and transmits the payment request information to the UWB chip of the receiving terminal.

[0104] In step S510, the UWB chip of the receiving terminal sends the payment request information to the payment terminal.

[0105] In step S512, the UWB chip of the receiving terminal receives the payment result returned by the payment terminal and transmits the payment result to the security chip of the receiving terminal.

[0106] Step S514: The security chip of the payment terminal verifies the target transaction based on the payment result.

[0107] In this embodiment, an ultra-wideband (UWB) based payment method is provided for a payment terminal, enabling the payment terminal to complete the target transaction in conjunction with the payment terminal based on the UWB channel.

[0108] As an optional embodiment, the payment terminal security chip generates encrypted payment request information based on the payment request, which can be achieved as follows: obtaining the network status of the payment terminal from the payment terminal; if the payment terminal is online, the payment terminal security chip generates an encrypted first payment method request, wherein the payment request information includes the first payment method request, which instructs the payment terminal to return either of the following two payment results: a digital currency string, or payment status information; if the payment terminal is offline, the payment terminal security chip generates an encrypted second payment method request, wherein the payment request information includes the second payment method request, which instructs the payment terminal to return a payment result of: a digital currency string.

[0109] As an optional embodiment, the payment terminal security chip can verify the target transaction based on the payment result in the following manner: when the payment result is a digital currency string, the payment terminal security chip verifies the digital currency string, and if the digital currency string is verified successfully, it determines that the payment terminal has completed the target transaction; when the payment result is payment status information, the payment terminal security chip generates accounting information based on the payment status information and sends the accounting information to the bank's backend through the payment terminal; it receives the accounting information verification result returned by the bank's backend, and if the accounting information verification result shows that the accounting information has passed verification, it determines that the payment terminal has completed the target transaction.

[0110] In the above optional embodiments, the receiving terminal can choose the method to complete the target transaction based on its own network status. For example, when both the receiving terminal and the payment terminal can be connected to the Internet, after completing the target transaction, the payment terminal can directly send the generated digital currency string to the receiving terminal for verification. The payment terminal can also record its payment to the receiving terminal and generate accounting information, and then send the accounting information to the bank's back-end system. The bank's back-end system will then transfer funds from the payer's account to the payee's account, and simultaneously generate payment status information indicating that the payment terminal has completed the target transaction and send the payment status information to the receiving terminal. After receiving the payment status information, the receiving terminal can check with the bank's back-end system to see if the payer's account has transferred funds to the payee's account. The bank's back-end system will then provide the query results back to the receiving terminal, allowing the receiving terminal to determine whether the target transaction has been completed based on the bank's feedback.

[0111] Furthermore, if either the receiving terminal or the payment terminal cannot connect to the internet, the means of communicating with the bank's back-end is lost. Therefore, in order to verify the target transaction, the payment terminal needs to send a digital currency string to the security chip of the receiving terminal. The security chip directly verifies the digital currency string to confirm that it is legal and valid and that the payment terminal has indeed transferred the funds corresponding to the target transaction to the receiving terminal. At this point, the receiving terminal can confirm that the target transaction has been completed and provide subsequent services to the payer.

[0112] Figure 6 This is a timing diagram of a payment method based on ultra-wideband provided according to an optional embodiment of the present invention. For example... Figure 6 As shown, the payment terminal and the receiving terminal can complete the payment transaction corresponding to the target transaction based on ultra-wideband through the following steps:

[0113] The payment terminals at the entrance of the attraction can continuously broadcast UWB signals.

[0114] Users (such as tourists at scenic spots) carry payment terminals that support UWB functionality, such as smartphones. When a user is about to enter the scenic area, the payment terminal's UWB chip continuously scans for UWB broadcast signals. When the payment terminal detects the digital currency payment signal broadcast by the payment terminal at the entrance of the scenic spot, it actively establishes a UWB channel with the connected payment terminal to communicate.

[0115] After a connection is established between the user's payment terminal and the scenic area's payment terminal, the user's payment terminal sends a payment request to the payment terminal, indicating that it needs to make a payment. After collecting the information, the payment terminal enters authentication mode. The payment terminal's UWB chip first transmits the payment request to the payment terminal's security chip. After parsing the payment request, the security chip obtains information such as whether the payment terminal has already made a payment, the amount due, and the terminal's identity information. Then, it generates a payment request information that has been encrypted and transmits it to the payment terminal's UWB chip, which then sends it to the payment terminal's UWB chip through the UWB channel.

[0116] After receiving the payment request information, the UWB chip of the payment terminal can encrypt the payment request information using the first key to obtain encrypted information. Then, it transmits the encrypted information to the SE security chip through the I2C secure channel. If the security chip authenticates the information, the payment is completed; otherwise, the payment action of the target transaction request is rejected, and the user's payment fails.

[0117] The payment terminal's UWB chip returns the payment result to the receiving terminal. If the payment result is a digital currency string, the digital currency string is encrypted using a business key and then sent to the receiving terminal. If the payment result is payment status information, the payment status information is sent to the receiving terminal.

[0118] After receiving the payment result from the payment terminal, the UWB chip of the payment terminal transmits the payment result to the payment terminal's security chip, which then verifies whether the target transaction has been completed. When the payment terminal's security chip receives payment status information, it can prompt the payment terminal device to read this information. The payment terminal device (e.g., an application within the device) then queries the bank's backend via the internet for the transaction's accounting information to confirm whether the target transaction has been completed, thus achieving the purpose of verifying the target transaction.

[0119] Through the above process, the user and the scenic spot ticket base station complete a digital currency payment.

[0120] The payment terminal at the entrance of the scenic area opens the gate to allow entry, and at the same time, the user's mobile app notifies them of successful payment.

[0121] Figure 6 In the illustrated embodiment, both the receiving terminal and the payment terminal need to be connected to the Internet and communicate with the bank's back-end system via the Internet to synchronize accounting information with the bank's back-end system, thereby verifying whether the target transaction has been legally completed.

[0122] Figure 7 This is a timing diagram of a single offline payment method based on ultra-wideband according to an optional embodiment of the present invention. For example... Figure 7 As shown, based on this optional embodiment, when the payment terminal cannot connect to the Internet but the receiving terminal can, the payment terminal and the receiving terminal can complete the payment corresponding to the target transaction based on ultra-broadband through the following steps:

[0123] The payment terminals at the entrance of the attraction can continuously broadcast UWB signals.

[0124] Users (such as tourists at scenic spots) carry payment terminals that support UWB functionality, such as smartphones. When a user is about to enter the scenic area, the payment terminal's UWB chip continuously scans for UWB broadcast signals. When the payment terminal detects the digital currency payment signal broadcast by the payment terminal at the entrance of the scenic spot, it actively establishes a UWB channel with the connected payment terminal to communicate.

[0125] After a connection is established between the user's payment terminal and the scenic area's payment terminal, the user's payment terminal sends a payment request to the payment terminal, indicating that it needs to make a payment. After collecting the information, the payment terminal enters authentication mode. The payment terminal's UWB chip first transmits the payment request to the payment terminal's security chip. After parsing the payment request, the security chip obtains information such as whether the payment terminal has already made a payment, the amount due, and the terminal's identity information. Then, it generates a payment request information that has been encrypted and transmits it to the payment terminal's UWB chip, which then sends it to the payment terminal's UWB chip through the UWB channel.

[0126] After receiving the payment request information, the UWB chip of the payment terminal can encrypt the payment request information using the first key to obtain encrypted information. Then, it transmits the encrypted information to the SE security chip through the I2C secure channel. If the security chip authenticates the information, the payment is completed; otherwise, the payment action of the target transaction request is rejected, and the user's payment fails.

[0127] The payment terminal's UWB chip returns the payment result to the receiving terminal. The payment result is a digital currency string obtained after transferring funds to the receiving terminal. The digital currency string is encrypted using a business key and then sent to the receiving terminal.

[0128] After receiving the digital currency string from the payment terminal, the UWB chip of the payment terminal transmits the digital currency string to the security chip of the payment terminal. The security chip of the payment terminal verifies the digital currency string. If the digital currency string is verified to be legal and valid, the target transaction is confirmed to be successfully completed.

[0129] The security chip of the payment terminal pushes a payment success status message to the payment terminal device, informing the payment terminal device that the payment has been successfully received.

[0130] The payment terminal will upload the accounting information of the target transaction to the bank's back-end system via the Internet, and receive information from the bank's back-end system confirming that the target transaction has been successfully recorded.

[0131] Through the above process, the user and the scenic spot ticket base station complete a digital currency payment.

[0132] The payment terminal at the entrance of the scenic area opens the gate to allow entry, and at the same time, the user's mobile app notifies them of successful payment.

[0133] In the above steps, because the payment terminal device is offline and unable to connect to the internet, it cannot send the accounting information to the bank's back-end system for verification by the receiving terminal device. In this situation, the payment terminal device can complete the payment action corresponding to the target transaction by directly sending the digital currency string to the receiving terminal's security chip, ensuring the transaction proceeds normally.

[0134] Figure 8 This is a timing diagram of a dual offline payment method based on ultra-wideband according to an optional embodiment of the present invention. In this optional embodiment, neither the payment terminal nor the receiving terminal can connect to the Internet. In this case, the two parties can use a payment method based on... Figure 8 The steps shown complete the payment for the target transaction:

[0135] The payment terminals at the entrance of the attraction can continuously broadcast UWB signals.

[0136] Users (such as tourists at scenic spots) carry payment terminals that support UWB functionality, such as smartphones. When a user is about to enter the scenic area, the payment terminal's UWB chip continuously scans for UWB broadcast signals. When the payment terminal detects the digital currency payment signal broadcast by the payment terminal at the entrance of the scenic spot, it actively establishes a UWB channel with the connected payment terminal to communicate.

[0137] After a connection is established between the user's payment terminal and the scenic area's payment terminal, the user's payment terminal sends a payment request to the payment terminal, indicating that it needs to make a payment. After collecting the information, the payment terminal enters authentication mode. The payment terminal's UWB chip first transmits the payment request to the payment terminal's security chip. After parsing the payment request, the security chip obtains information such as whether the payment terminal has already made a payment, the amount due, and the terminal's identity information. Then, it generates a payment request information that has been encrypted and transmits it to the payment terminal's UWB chip, which then sends it to the payment terminal's UWB chip through the UWB channel.

[0138] After receiving the payment request information, the UWB chip of the payment terminal can encrypt the payment request information using the first key to obtain encrypted information. Then, it transmits the encrypted information to the SE security chip through the I2C secure channel. If the security chip authenticates the information, the payment is completed; otherwise, the payment action of the target transaction request is rejected, and the user's payment fails.

[0139] The payment terminal's UWB chip returns the payment result to the receiving terminal. The payment result is a digital currency string obtained after transferring funds to the receiving terminal. The digital currency string is encrypted using a business key and then sent to the receiving terminal.

[0140] After receiving the digital currency string from the payment terminal, the UWB chip of the payment terminal transmits the digital currency string to the security chip of the payment terminal. The security chip of the payment terminal verifies the digital currency string. If the digital currency string is verified to be legal and valid, the target transaction is confirmed to be successfully completed.

[0141] The security chip of the payment terminal pushes a payment success status message to the payment terminal device, informing the payment terminal device that the payment has been successfully received.

[0142] Through the above process, the user and the scenic spot ticket base station complete a digital currency payment.

[0143] The payment terminal at the entrance of the scenic area opens the gate to allow entry, and at the same time, the user's mobile app notifies them of successful payment.

[0144] It should be noted that, for the sake of simplicity, the foregoing method embodiments are all described as a series of actions. However, those skilled in the art should understand that the present invention is not limited to the described order of actions, because according to the present invention, some steps can be performed in other orders or simultaneously. Furthermore, those skilled in the art should also understand that the embodiments described in the specification are preferred embodiments, and the actions and modules involved are not necessarily essential to the present invention.

[0145] Through the above description of the embodiments, those skilled in the art can clearly understand that the ultra-wideband-based payment method according to the above embodiments can be implemented by means of software plus necessary general-purpose hardware platform. Of course, it can also be implemented by hardware, but in many cases the former is a better implementation method. Based on this understanding, the technical solution of the present invention, or the part that contributes to the prior art, can be embodied in the form of a software product. This computer software product is stored in a storage medium (such as ROM / RAM, magnetic disk, optical disk) and includes several instructions to cause a terminal device (which may be a mobile phone, computer, server, or network device, etc.) to execute the methods of the various embodiments of the present invention.

[0146] According to embodiments of the present invention, a payment apparatus for implementing the above-described ultra-wideband-based payment method is also provided. Figure 9 This is a structural block diagram of a payment device based on ultra-wideband according to an embodiment of the present invention, as shown below. Figure 9 As shown, the ultra-wideband-based payment device includes: a first receiving module 92, a first encryption module 94, a first transmission module 96, and a first sending module 98. The ultra-wideband-based payment device will be described below.

[0147] The first receiving module 92 is used to receive payment request information sent by the receiving terminal through the ultra-wideband UWB channel. The payment request information is used to request the paying terminal to complete the target transaction, which is a payment from the paying terminal to the receiving terminal.

[0148] The first encryption module 94 is used to encrypt the payment request information using the first key to obtain encrypted information;

[0149] The first transmission module 96 is used to transmit encrypted information to the security chip through a secure channel, wherein the security chip is used to verify the target transaction and generate a payment result based on the encrypted information;

[0150] The first sending module 98 is used to receive the payment result returned by the security chip and send the payment result to the receiving terminal through the UWB channel.

[0151] It should be noted that the first receiving module 92, the first encryption module 94, the first transmission module 96, and the first sending module 98 mentioned above correspond to steps S202 to S208 in the embodiments. Multiple modules implement the same instances and application scenarios as their corresponding steps, but are not limited to the content disclosed in the above embodiments. It should also be noted that the above modules, as part of the device, can run in the computer terminal 10 provided in the embodiments.

[0152] According to embodiments of the present invention, a payment apparatus for implementing the above-described ultra-wideband-based payment method is also provided. Figure 10 This is a structural block diagram of a payment device based on ultra-wideband according to an embodiment of the present invention, as shown below. Figure 10 As shown, the second ultra-wideband-based payment device includes: a second receiving module 1002, a first generating module 1004, and a first returning module 1006. The second ultra-wideband-based payment device will be described below.

[0153] The second receiving module 1002 is used to receive encrypted information transmitted by the UWB chip through a secure channel. The encrypted information is obtained by the UWB chip encrypting payment request information using the first key. The payment request information is information sent by the payment terminal to request the completion of the target transaction, which is received by the UWB chip.

[0154] The first generation module 1004 is used to verify the target transaction based on the encrypted information and generate a payment result.

[0155] The first return module 1006 is used to return the payment result to the UWB chip.

[0156] It should be noted that the second receiving module 1002, the first generating module 1004, and the first returning module 1006 mentioned above correspond to steps S302 to S306 in the embodiments. The three modules and their corresponding steps implement the same instances and application scenarios, but are not limited to the content disclosed in the above embodiments. It should be noted that the above modules, as part of the device, can run in the computer terminal 10 provided in the embodiments.

[0157] According to embodiments of the present invention, a payment apparatus for implementing the above-described ultra-wideband-based payment method is also provided. Figure 11 This is a structural block diagram of a payment device three based on ultra-wideband technology according to an embodiment of the present invention, as shown below. Figure 11As shown, the ultra-wideband-based payment device 3 includes: a third receiving module 1102, a second encryption module 1104, a second transmission module 1106, a second generation module 1108, a second return module 1110, and a second sending module 1112. The ultra-wideband-based payment device 3 will be described below.

[0158] The third receiving module 1102 is used to receive payment request information through the UWB chip. The payment request information is information sent by the receiving terminal through the UWB channel to request the payment terminal to complete the target transaction. The target transaction is payment from the payment terminal to the receiving terminal. The payment terminal includes a UWB chip and a security chip.

[0159] The second encryption module 1104 is used by the UWB chip to encrypt the payment request information using the first key to obtain encrypted information;

[0160] The second transmission module 1106 is used for the UWB chip to transmit encrypted information to the security chip through a secure channel;

[0161] The second generation module 1108 is used by the security chip to verify the target transaction based on the encrypted information and generate a payment result.

[0162] The second return module 1110 is used by the security chip to return the payment result to the UWB chip;

[0163] The second sending module 1112 is used by the UWB chip to send the payment result to the receiving terminal through the UWB channel.

[0164] It should be noted that the third receiving module 1102, the second encryption module 1104, the second transmission module 1106, the second generation module 1108, the second return module 1110, and the second sending module 1112 mentioned above correspond to steps S402 to S412 in the embodiments. Multiple modules and their corresponding steps implement the same instances and application scenarios, but are not limited to the content disclosed in the above embodiments. It should also be noted that the above modules, as part of the device, can run in the computer terminal 10 provided in the embodiments.

[0165] Figure 12 This is a structural block diagram of a payment device based on ultra-wideband according to an embodiment of the present invention, as shown below. Figure 12 As shown, the ultra-wideband-based payment device 4 includes: an establishment module 1202, a third sending module 1204, a third transmission module 1206, a third encryption module 1208, a fourth sending module 1210, a fourth receiving module 1212, and a verification module 1214. The ultra-wideband-based payment device 4 will be described below.

[0166] Module 1202 is used to establish an ultra-wideband UWB channel between the UWB chip of the payment terminal and the payment terminal by broadcasting UWB signals.

[0167] The third sending module 1204 is used for the UWB chip of the receiving terminal to receive a payment request sent by the payment terminal through the UWB channel. The payment request is used to request the receiving terminal to complete the target transaction, which is a payment from the payment terminal to the receiving terminal.

[0168] The third transmission module 1206 is used for the UWB chip of the payment terminal to transmit the payment request to the security chip of the payment terminal.

[0169] The third encryption module 1208 is used by the security chip of the payment terminal to generate encrypted payment request information according to the payment request, and transmit the payment request information to the UWB chip of the payment terminal.

[0170] The fourth sending module 1210 is used for the UWB chip of the receiving terminal to send payment request information to the payment terminal;

[0171] The fourth receiving module 1212 is used for the UWB chip of the payment terminal to receive the payment result returned by the payment terminal and transmit the payment result to the security chip of the payment terminal.

[0172] The verification module 1214 is used by the security chip of the payment terminal to verify the target transaction based on the payment result.

[0173] It should be noted that the aforementioned establishment module 1202, third sending module 1204, third transmission module 1206, third encryption module 1208, fourth sending module 1210, fourth receiving module 1212, and verification module 1214 correspond to steps S502 to S514 in the embodiments. Multiple modules and their corresponding steps implement the same instances and application scenarios, but are not limited to the content disclosed in the above embodiments. It should also be noted that the above modules, as part of the device, can run in the computer terminal 10 provided in the embodiments.

[0174] According to embodiments of the present invention, a payment terminal for implementing the above-described ultra-wideband-based payment method is also provided. Figure 13 This is a structural block diagram of a payment terminal provided according to an embodiment of the present invention, such as... Figure 13As shown, the payment terminal 1300 may include a UWB chip 1302, a security chip 1304, and a security channel 1306; the security channel connects the UWB chip and the security chip; the UWB chip is used to receive payment request information sent by the receiving terminal through the UWB channel, wherein the payment request information is used to request the payment terminal to complete the target transaction, the target transaction being payment from the payment terminal to the receiving terminal; the UWB chip is also used to encrypt the payment request information using a first key to obtain encrypted information, transmit the encrypted information to the security chip through the security channel, and receive the payment result returned by the security chip, and send the payment result to the receiving terminal through the UWB channel; the security chip is used to verify the target transaction according to the encrypted information, generate the payment result, and return the payment result to the UWB chip.

[0175] Embodiments of the present invention may provide a computer device. Optionally, in this embodiment, the computer device may be located in at least one of a plurality of network devices in a computer network. The computer device includes a memory and a processor.

[0176] The memory can be used to store software programs and modules, such as the program instructions / modules corresponding to the ultra-wideband-based payment method and device in this embodiment of the invention. The processor executes various functional applications and data processing by running the software programs and modules stored in the memory, thereby realizing the aforementioned ultra-wideband-based payment method. The memory may include high-speed random access memory, and may also include non-volatile memory, such as one or more magnetic storage devices, flash memory, or other non-volatile solid-state memory. In some instances, the memory may further include memory remotely located relative to the processor, and these remote memories can be connected to a computer terminal via a network. Examples of such networks include, but are not limited to, the Internet, corporate intranets, local area networks, mobile communication networks, and combinations thereof.

[0177] The processor can invoke information and application programs stored in the memory via the transmission device to perform the following steps: receiving payment request information sent by the receiving terminal through an ultra-wideband (UWB) channel, wherein the payment request information is used to request the paying terminal to complete the target transaction, the target transaction being payment from the paying terminal to the receiving terminal; encrypting the payment request information using a first key to obtain encrypted information; transmitting the encrypted information to a security chip through a secure channel, wherein the security chip is used to verify the target transaction based on the encrypted information and generate a payment result; receiving the payment result returned by the security chip and sending the payment result to the receiving terminal through the UWB channel.

[0178] Optionally, the processor may also execute program code that performs the following steps: encrypting the payment request information using the first key to obtain encrypted information, including: calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip of the payment terminal; encrypting the payment request information using the first key to obtain encrypted information.

[0179] Optionally, the processor may also execute program code that performs the following steps: the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0180] Optionally, the processor may also execute program code that includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

[0181] Optionally, the processor may also execute program code that performs the following steps: payment request information, including at least one of the following: identity information of the receiving terminal, authentication information, payment amount, and network status of the receiving terminal.

[0182] Optionally, the processor may also execute program code for the following steps: receiving payment results returned by the security chip, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, receiving a digital currency string returned by the security chip, wherein the payment result includes a digital currency string generated by the security chip based on encrypted information; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, receiving payment status information returned by the security chip, wherein the payment result includes payment status information, which describes whether the payment terminal has completed payment to the receiving terminal.

[0183] The processor can access information and applications stored in memory via a transmission device to perform the following steps: receiving encrypted information transmitted by the UWB chip of the payment terminal through a secure channel, wherein the encrypted information is obtained by the UWB chip encrypting payment request information using a first key, and the payment request information is information sent by the receiving terminal to request the completion of a target transaction, the target transaction being payment from the payment terminal to the receiving terminal; verifying the target transaction based on the encrypted information and generating a payment result; and returning the payment result to the UWB chip.

[0184] Optionally, the processor may also execute program code that performs the following steps: verifying the target transaction based on the encrypted information and generating a payment result, including: calling a second key corresponding to the secure channel, wherein the second key is pre-stored in the secure chip and matches the first key; using the second key to decrypt the encrypted information to obtain payment request information; and verifying the target transaction based on the payment request information and generating a payment result.

[0185] Optionally, the processor may also execute program code that performs the following steps: payment request information, including at least one of the following: identity information of the receiving terminal, authentication information, payment amount, and network status of the receiving terminal.

[0186] Optionally, the processor may also execute program code for the following steps: verifying the target transaction based on the payment request information and generating a payment result, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, generating a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, generating payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes the payment status information, which describes whether the payment to the receiving terminal has been completed.

[0187] Optionally, the processor may also execute program code that performs the following steps: the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0188] Optionally, the processor may also execute program code that includes at least one of the following steps: the secure channel includes an internal integrated circuit I2C bus and a serial peripheral interface SPI bus.

[0189] The processor can access the information and application program stored in the memory via the transmission device to execute the following steps: The UWB chip receives payment request information, wherein the payment request information is sent by the receiving terminal through the UWB channel to request the paying terminal to complete the target transaction, the target transaction being payment from the paying terminal to the receiving terminal; the UWB chip encrypts the payment request information using a first key to obtain encrypted information; the UWB chip transmits the encrypted information to the security chip through a secure channel; the security chip verifies the target transaction based on the encrypted information and generates a payment result; the security chip returns the payment result to the UWB chip; the UWB chip sends the payment result to the receiving terminal through the UWB channel.

[0190] Optionally, the processor may also execute program code for the following steps: the UWB chip uses the first key to encrypt the payment request information to obtain encrypted information, including: the UWB chip calls the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip; the UWB chip uses the first key to encrypt the payment request information to obtain encrypted information.

[0191] Optionally, the processor may also execute program code for the following steps: the security chip verifies the target transaction based on the encrypted information and generates a payment result, including: the security chip calls a second key corresponding to the security channel, wherein the second key is pre-stored in the security chip and matches the first key; the security chip uses the second key to decrypt the encrypted information to obtain payment request information; the security chip verifies the target transaction based on the payment request information and generates a payment result.

[0192] Optionally, the processor may also execute program code that performs the following steps: payment request information, including at least one of the following: identity information of the receiving terminal, authentication information, payment amount, and network status of the receiving terminal.

[0193] Optionally, the processor may also execute program code for the following steps: the security chip verifies the target transaction based on the payment request information and generates a payment result, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the security chip generates a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the security chip generates payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes payment status information, and the payment status information is used to describe whether the payment to the receiving terminal has been completed.

[0194] Optionally, the processor may also execute program code that performs the following steps: the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0195] Optionally, the processor may also execute program code that includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

[0196] The processor can access information and application programs stored in memory via a transmission device to execute the following steps: The UWB chip of the receiving terminal establishes an ultra-wideband UWB channel with the payment terminal by broadcasting a UWB signal; the UWB chip of the receiving terminal receives a payment request sent by the payment terminal through the UWB channel, wherein the payment request is used to request the receiving terminal to complete a target transaction, the target transaction being payment from the payment terminal to the receiving terminal; the UWB chip of the receiving terminal transmits the payment request to the receiving terminal security chip; the receiving terminal security chip encrypts the payment request to obtain encrypted payment request information, and transmits the payment request information to the receiving terminal UWB chip; the receiving terminal UWB chip sends the payment request information to the payment terminal; the receiving terminal UWB chip receives the payment result returned by the payment terminal, and transmits the payment result to the receiving terminal security chip; the receiving terminal security chip verifies the target transaction based on the payment result.

[0197] Optionally, the processor may also execute program code with the following steps: the payment terminal security chip generates encrypted payment request information based on the payment request, including: obtaining the network status of the payment terminal from the payment terminal; if the payment terminal is online, the payment terminal security chip generates an encrypted first payment method request, wherein the payment request information includes the first payment method request, which is used to instruct the payment terminal to return either of the following two payment results: a digital currency string, or payment status information; if the payment terminal is offline, the payment terminal security chip generates an encrypted second payment method request, wherein the payment request information includes the second payment method request, which is used to instruct the payment terminal to return a payment result of: a digital currency string.

[0198] Optionally, the processor may also execute program code for the following steps: the payment terminal security chip verifies the target transaction based on the payment result, including: if the payment result is a digital currency string, the payment terminal security chip verifies the digital currency string, and if the digital currency string is verified, determines that the payment terminal has completed the target transaction; if the payment result is payment status information, the payment terminal security chip generates accounting information based on the payment status information and sends the accounting information to the bank's backend through the payment terminal; receives the accounting information verification result returned by the bank's backend, and if the accounting information verification result is that the accounting information has passed verification, determines that the payment terminal has completed the target transaction.

[0199] Those skilled in the art will understand that all or part of the steps in the various methods of the above embodiments can be implemented by a program instructing the hardware related to the terminal device. The program can be stored in a non-volatile storage medium, which may include: flash drive, read-only memory (ROM), random access memory (RAM), magnetic disk or optical disk, etc.

[0200] Embodiments of the present invention also provide a non-volatile storage medium. Optionally, in this embodiment, the aforementioned non-volatile storage medium can be used to store the program code executed by the ultra-wideband-based payment method provided in the above embodiments.

[0201] Optionally, in this embodiment, the non-volatile storage medium may be located in any computer terminal in a group of computer terminals in a computer network, or in any mobile terminal in a group of mobile terminals.

[0202] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: receiving payment request information sent by the receiving terminal through an ultra-wideband (UWB) channel, wherein the payment request information is used to request the paying terminal to complete a target transaction, the target transaction being payment from the paying terminal to the receiving terminal; encrypting the payment request information using a first key to obtain encrypted information; transmitting the encrypted information to a security chip through a secure channel, wherein the security chip is used to verify the target transaction based on the encrypted information and generate a payment result; receiving the payment result returned by the security chip and sending the payment result to the receiving terminal through the UWB channel.

[0203] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: receiving payment request information sent by the receiving terminal through an ultra-wideband (UWB) channel, wherein the payment request information is used to request the paying terminal to complete a target transaction, the target transaction being payment from the paying terminal to the receiving terminal; encrypting the payment request information using a first key to obtain encrypted information; transmitting the encrypted information to a security chip through a secure channel, wherein the security chip is used to verify the target transaction based on the encrypted information and generate a payment result; receiving the payment result returned by the security chip and sending the payment result to the receiving terminal through the UWB channel.

[0204] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: encrypting payment request information with a first key to obtain encrypted information, including: calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip of the payment terminal; encrypting payment request information with the first key to obtain encrypted information.

[0205] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0206] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the secure channel includes at least one of the following: an internal integrated circuit I2C bus, a serial peripheral interface SPI bus.

[0207] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: payment request information, including at least one of the following: identity information of the receiving terminal, authentication information, payment amount, and network status of the receiving terminal.

[0208] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: receiving a payment result returned by the security chip, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, receiving a digital currency string returned by the security chip, wherein the payment result includes a digital currency string generated by the security chip based on encrypted information; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, receiving payment status information returned by the security chip, wherein the payment result includes payment status information, which describes whether the payment terminal has completed payment to the receiving terminal.

[0209] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: receiving encrypted information transmitted by the UWB chip of the payment terminal through a secure channel, wherein the encrypted information is obtained by the UWB chip encrypting payment request information using a first key, the payment request information is information sent by the receiving terminal to request the completion of a target transaction, the target transaction being payment from the payment terminal to the receiving terminal; verifying the target transaction according to the encrypted information and generating a payment result; and returning the payment result to the UWB chip.

[0210] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: verifying the target transaction based on the encrypted information and generating a payment result, including: calling a second key corresponding to the secure channel, wherein the second key is pre-stored in the secure chip and matches the first key; using the second key to decrypt the encrypted information to obtain payment request information; and verifying the target transaction based on the payment request information and generating a payment result.

[0211] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: payment request information, including at least one of the following: identity information of the receiving terminal, authentication information, payment amount, and network status of the receiving terminal.

[0212] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: verifying the target transaction based on the payment request information and generating a payment result, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, generating a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, generating payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes the payment status information, and the payment status information is used to describe whether the payment to the receiving terminal has been completed.

[0213] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0214] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the secure channel includes at least one of the following: an internal integrated circuit I2C bus, a serial peripheral interface SPI bus.

[0215] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the ultra-wideband (UWB) chip receives payment request information, wherein the payment request information is sent by the receiving terminal through the UWB channel to request the paying terminal to complete the target transaction, the target transaction being payment from the paying terminal to the receiving terminal; the UWB chip encrypts the payment request information using a first key to obtain encrypted information; the UWB chip transmits the encrypted information to the security chip through a secure channel; the security chip verifies the target transaction based on the encrypted information and generates a payment result; the security chip returns the payment result to the UWB chip; the UWB chip sends the payment result to the receiving terminal through the UWB channel.

[0216] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the UWB chip uses a first key to encrypt the payment request information to obtain encrypted information, including: the UWB chip calling the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip; the UWB chip uses the first key to encrypt the payment request information to obtain encrypted information.

[0217] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the security chip verifies the target transaction based on the encrypted information and generates a payment result, including: the security chip calls a second key corresponding to the secure channel, wherein the second key is pre-stored in the security chip and matches the first key; the security chip uses the second key to decrypt the encrypted information to obtain payment request information; the security chip verifies the target transaction based on the payment request information and generates a payment result.

[0218] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: payment request information, including at least one of the following: identity information of the receiving terminal, authentication information, payment amount, and network status of the receiving terminal.

[0219] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the security chip verifies the target transaction based on the payment request information and generates a payment result, including: when the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the security chip generates a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; when the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the security chip generates payment status information corresponding to the target transaction based on the payment request information, wherein the payment result includes payment status information, and the payment status information is used to describe whether the payment to the receiving terminal has been completed.

[0220] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

[0221] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the secure channel includes at least one of the following: an internal integrated circuit I2C bus, a serial peripheral interface SPI bus.

[0222] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the receiving terminal UWB chip establishes an ultra-wideband UWB channel with the payment terminal via a broadcast UWB signal; the receiving terminal UWB chip receives a payment request sent by the payment terminal via the UWB channel, wherein the payment request is used to request the receiving terminal to complete a target transaction, the target transaction being payment from the payment terminal to the receiving terminal; the receiving terminal UWB chip transmits the payment request to the receiving terminal security chip; the receiving terminal security chip encrypts the payment request to obtain encrypted payment request information, and transmits the payment request information to the receiving terminal UWB chip; the receiving terminal UWB chip sends the payment request information to the payment terminal; the receiving terminal UWB chip receives the payment result returned by the payment terminal, and transmits the payment result to the receiving terminal security chip; the receiving terminal security chip verifies the target transaction based on the payment result.

[0223] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the payment terminal security chip generates encrypted payment request information based on the payment request, including: obtaining the network status of the payment terminal from the payment terminal; if the payment terminal is online, the payment terminal security chip generates an encrypted first payment method request, wherein the payment request information includes the first payment method request, which is used to instruct the payment terminal to return any one of the following two payment results: a digital currency string, or payment status information; if the payment terminal is offline, the payment terminal security chip generates an encrypted second payment method request, wherein the payment request information includes the second payment method request, which is used to instruct the payment terminal to return a payment result of: a digital currency string.

[0224] Optionally, in this embodiment, the non-volatile storage medium is configured to store program code for performing the following steps: the payment terminal security chip verifies the target transaction based on the payment result, including: if the payment result is a digital currency string, the payment terminal security chip verifies the digital currency string, and if the digital currency string verification is successful, determines that the payment terminal has completed the target transaction; if the payment result is payment status information, the payment terminal security chip generates accounting information based on the payment status information and sends the accounting information to the bank's backend through the payment terminal; receives the accounting information verification result returned by the bank's backend, and if the accounting information verification result is that the accounting information has passed verification, determines that the payment terminal has completed the target transaction.

[0225] The sequence numbers of the above embodiments of the present invention are for descriptive purposes only and do not represent the superiority or inferiority of the embodiments.

[0226] In the above embodiments of the present invention, the descriptions of each embodiment have different focuses. For parts not described in detail in a certain embodiment, please refer to the relevant descriptions of other embodiments.

[0227] In the several embodiments provided in this application, it should be understood that the disclosed technical content can be implemented in other ways. The device embodiments described above are merely illustrative; for example, the division of units can be a logical functional division, and in actual implementation, there may be other division methods. For instance, multiple units or components may be combined or integrated into another system, or some features may be ignored or not executed. Furthermore, the displayed or discussed mutual coupling, direct coupling, or communication connection may be through some interfaces; the indirect coupling or communication connection between units or modules may be electrical or other forms.

[0228] The units described as separate components may or may not be physically separate. The components shown as units may or may not be physical units; that is, they may be located in one place or distributed across multiple units. Some or all of the units can be selected to achieve the purpose of this embodiment according to actual needs.

[0229] Furthermore, the functional units in the various embodiments of the present invention can be integrated into one processing unit, or each unit can exist physically separately, or two or more units can be integrated into one unit. The integrated unit can be implemented in hardware or as a software functional unit.

[0230] If the integrated unit is implemented as a software functional unit and sold or used as an independent product, it can be stored in a non-volatile storage medium. Based on this understanding, the technical solution of the present invention, in essence, or the part that contributes to the prior art, or all or part of the technical solution, can be embodied in the form of a software product. This computer software product is stored in a storage medium and includes several instructions to cause a computer device (which may be a personal computer, server, or network device, etc.) to execute all or part of the steps of the methods described in the various embodiments of the present invention. The aforementioned storage medium includes various media capable of storing program code, such as USB flash drives, read-only memory (ROM), random access memory (RAM), portable hard drives, magnetic disks, or optical disks.

[0231] The above description is only a preferred embodiment of the present invention. It should be noted that for those skilled in the art, several improvements and modifications can be made without departing from the principle of the present invention, and these improvements and modifications should also be considered within the scope of protection of the present invention.

Claims

1. A payment method based on ultra-wideband, characterized in that, UWB chips used in payment terminals include: The receiving terminal receives a payment request message sent via an ultra-wideband (UWB) channel, wherein the payment request message is used to request the payment terminal to complete a target transaction, the target transaction being a payment from the payment terminal to the receiving terminal; The payment request information is encrypted using a first key to obtain encrypted information, wherein the first key is a key agreed upon between the UWB chip and the security chip of the payment terminal; The encrypted information is transmitted to the security chip through a secure channel, wherein the security chip is used to verify the target transaction and generate a payment result based on the encrypted information, and the security chip is a payment terminal security chip; The system receives the payment result returned by the security chip and sends the payment result to the payment terminal via the UWB channel.

2. The method according to claim 1, characterized in that, The first key is used to encrypt the payment request information to obtain encrypted information, including: The first key corresponding to the secure channel is invoked, wherein the first key is pre-stored in the UWB chip of the payment terminal; The payment request information is encrypted using the first key to obtain the encrypted information.

3. The method according to claim 2, characterized in that, The key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

4. The method according to claim 1, characterized in that, The secure channel includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

5. The method according to any one of claims 1 to 4, characterized in that, The payment request information includes at least one of the following: the identity information of the receiving terminal, authentication information, the amount to be received, and the network status of the receiving terminal.

6. The method according to claim 5, characterized in that, Receiving the payment result returned by the security chip includes: When the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the digital currency string returned by the security chip is received, wherein the payment result includes the digital currency string generated by the security chip based on the encrypted information; When the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the payment status information returned by the security chip is received. The payment result includes the payment status information, which describes whether the payment terminal has completed the payment to the receiving terminal.

7. A payment method based on ultra-wideband, characterized in that, Security chips used in payment terminals include: The payment terminal receives encrypted information transmitted by its UWB chip through a secure channel. The encrypted information is obtained by the UWB chip encrypting payment request information using a first key. The payment request information is information sent by the receiving terminal to request the completion of a target transaction, which is a payment from the payment terminal to the receiving terminal. The first key is a key agreed upon between the payment terminal's UWB chip and the security chip. Verify the target transaction based on the encrypted information and generate a payment result; The payment result is returned to the UWB chip, which is the ultra-wideband UWB chip of the payment terminal.

8. The method according to claim 7, characterized in that, The step of verifying the target transaction based on the encrypted information and generating a payment result includes: The second key corresponding to the secure channel is invoked, wherein the second key is pre-stored in the secure chip and matches the first key; The encrypted information is decrypted using the second key to obtain the payment request information; The target transaction is verified based on the payment request information, and the payment result is generated.

9. The method according to claim 8, characterized in that, The payment request information includes at least one of the following: the identity information of the receiving terminal, authentication information, the amount to be received, and the network status of the receiving terminal.

10. The method according to claim 9, characterized in that, The step of verifying the target transaction based on the payment request information and generating the payment result includes: When the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, a digital currency string corresponding to the target transaction is generated according to the payment request information, wherein the payment result includes the digital currency string; When the network status of the receiving terminal is that the receiving terminal is connected to the Internet, payment status information corresponding to the target transaction is generated according to the payment request information. The payment result includes the payment status information, which is used to describe whether the payment to the receiving terminal has been completed.

11. The method according to claim 7, characterized in that, The key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

12. The method according to claim 7, characterized in that, The secure channel includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

13. A payment method based on ultra-broadband, characterized in that, Applied to a payment terminal, the payment terminal includes an ultra-wideband (UWB) chip and a security chip, comprising: The ultra-wideband (UWB) chip receives payment request information, wherein the payment request information is sent by the receiving terminal through the UWB channel to request the paying terminal to complete the target transaction, and the target transaction is payment from the paying terminal to the receiving terminal. The UWB chip uses a first key to encrypt the payment request information to obtain encrypted information, wherein the first key is a key agreed upon between the UWB chip and the security chip of the payment terminal; The UWB chip transmits the encrypted information to the security chip through a secure channel; The security chip verifies the target transaction based on the encrypted information and generates a payment result. The security chip returns the payment result to the UWB chip; The UWB chip sends the payment result to the receiving terminal through the UWB channel.

14. The method according to claim 13, characterized in that, The UWB chip uses a first key to encrypt the payment request information, resulting in encrypted information including: The UWB chip calls the first key corresponding to the secure channel, wherein the first key is pre-stored in the UWB chip; The UWB chip uses the first key to encrypt the payment request information to obtain the encrypted information.

15. The method according to claim 14, characterized in that, The security chip verifies the target transaction based on the encrypted information and generates a payment result, including: The security chip calls a second key corresponding to the security channel, wherein the second key is pre-stored in the security chip and matches the first key; The security chip uses the second key to decrypt the encrypted information to obtain the payment request information; The security chip verifies the target transaction based on the payment request information and generates the payment result.

16. The method according to claim 15, characterized in that, The payment request information includes at least one of the following: the identity information of the receiving terminal, authentication information, the amount to be received, and the network status of the receiving terminal.

17. The method according to claim 16, characterized in that, The security chip verifies the target transaction based on the payment request information and generates the payment result, including: When the network status of the receiving terminal is that the receiving terminal is not connected to the Internet, the security chip generates a digital currency string corresponding to the target transaction based on the payment request information, wherein the payment result includes the digital currency string; When the network status of the receiving terminal is that the receiving terminal is connected to the Internet, the security chip generates payment status information corresponding to the target transaction based on the payment request information. The payment result includes the payment status information, which describes whether the payment to the receiving terminal has been completed.

18. The method according to claim 13, characterized in that, The key type of the first key includes any one of the following: elliptic curve cryptography key, RSA algorithm key.

19. The method according to claim 13, characterized in that, The secure channel includes at least one of the following: an internal integrated circuit I2C bus, or a serial peripheral interface SPI bus.

20. A payment method based on ultra-wideband, characterized in that, include: The UWB chip in the payment terminal establishes an ultra-wideband UWB channel with the payment terminal by broadcasting UWB signals; The UWB chip of the receiving terminal receives a payment request sent by the payment terminal through the UWB channel. The payment request is used to request the receiving terminal to complete a target transaction, which is a payment from the payment terminal to the receiving terminal. The payment terminal UWB chip transmits the payment request to the payment terminal security chip. The security chip of the payment terminal generates encrypted payment request information based on the payment request, and transmits the payment request information to the UWB chip of the payment terminal. The UWB chip of the receiving terminal sends the payment request information to the payment terminal; The UWB chip of the payment terminal receives the payment result returned by the payment terminal and transmits the payment result to the security chip of the payment terminal; The security chip of the payment terminal verifies the target transaction based on the payment result.

21. The method according to claim 20, characterized in that, The payment terminal security chip generates encrypted payment request information based on the payment request, including: Obtain the network connection status of the payment terminal from the payment terminal; When the network connection status of the payment terminal is online, the security chip of the payment terminal generates an encrypted first payment method request, wherein the payment request information includes the first payment method request, which is used to instruct the payment terminal to return any one of the following two payment results: digital currency string, payment status information; When the network connection of the payment terminal is offline, the security chip of the payment terminal generates an encrypted second payment method request, wherein the payment request information includes the second payment method request, which is used to indicate that the payment result returned by the payment terminal is: digital currency string.

22. The method according to claim 21, characterized in that, The security chip of the payment terminal verifies the target transaction based on the payment result, including: If the payment result is a digital currency string, the security chip of the receiving terminal verifies the digital currency string, and if the digital currency string is verified, the payment terminal is determined to have completed the target transaction. When the payment result is payment status information, the security chip of the payment terminal generates accounting information based on the payment status information and sends the accounting information to the bank's back-end through the payment terminal. The system receives the accounting information verification result returned by the bank's backend. If the accounting information verification result indicates that the accounting information has passed verification, the system determines that the payment terminal has completed the target transaction.

23. A payment device based on ultra-wideband, characterized in that, UWB chips used in payment terminals include: The first receiving module is used to receive payment request information sent by the receiving terminal through the ultra-wideband (UWB) channel, wherein the payment request information is used to request the payment terminal to complete the target transaction, and the target transaction is payment from the payment terminal to the receiving terminal. The first encryption module is used to encrypt the payment request information using a first key to obtain encrypted information, wherein the first key is a key agreed upon between the UWB chip and the security chip of the payment terminal; The first transmission module is used to transmit the encrypted information to the security chip through a secure channel, wherein the security chip is used to verify the target transaction and generate a payment result based on the encrypted information, and the security chip is a payment terminal security chip; The first sending module is used to receive the payment result returned by the security chip and send the payment result to the receiving terminal through the UWB channel.

24. A payment device based on ultra-wideband, characterized in that, Security chips used in payment terminals include: The second receiving module is used to receive encrypted information transmitted by the UWB chip through a secure channel. The encrypted information is obtained by the UWB chip encrypting payment request information using a first key. The payment request information is information sent by the payment terminal to request the completion of the target transaction, which is received by the UWB chip. The first key is a key agreed upon by the UWB chip and the security chip of the payment terminal. The first generation module is used to verify the target transaction based on the encrypted information and generate a payment result; The first return module is used to return the payment result to the UWB chip, which is the ultra-wideband UWB chip of the payment terminal.

25. A payment device based on ultra-wideband, characterized in that, Applied to a payment terminal, the payment terminal includes an ultra-wideband (UWB) chip and a security chip, comprising: The third receiving module is used to receive payment request information through the UWB chip. The payment request information is information sent by the receiving terminal through the UWB channel to request the payment terminal to complete the target transaction. The target transaction is a payment from the payment terminal to the receiving terminal. The payment terminal includes the UWB chip and a security chip. The second encryption module is used by the UWB chip to encrypt the payment request information using a first key to obtain encrypted information, wherein the first key is a key agreed upon between the UWB chip and the security chip of the payment terminal; The second transmission module is used for the UWB chip to transmit the encrypted information to the security chip through a secure channel; The second generation module is used by the security chip to verify the target transaction based on the encrypted information and generate a payment result. The second return module is used by the security chip to return the payment result to the UWB chip; The second sending module is used by the UWB chip to send the payment result to the receiving terminal through the UWB channel.

26. A payment device based on ultra-wideband, characterized in that, include: Establishment module, which enables the UWB chip of the payment terminal to establish an ultra-wideband UWB channel with the payment terminal by broadcasting UWB signals; The third sending module is used for the UWB chip of the receiving terminal to receive a payment request sent by the payment terminal through the UWB channel, wherein the payment request is used to request the receiving terminal to complete a target transaction, and the target transaction is a payment from the payment terminal to the receiving terminal; The third transmission module is used for the UWB chip of the payment terminal to transmit the payment request to the security chip of the payment terminal. The third encryption module is used by the security chip of the payment terminal to generate encrypted payment request information according to the payment request, and transmit the payment request information to the UWB chip of the payment terminal. The fourth sending module is used for the UWB chip of the receiving terminal to send the payment request information to the payment terminal; The fourth receiving module is used for the UWB chip of the payment terminal to receive the payment result returned by the payment terminal and transmit the payment result to the security chip of the payment terminal. The verification module is used by the security chip of the payment terminal to verify the target transaction based on the payment result.

27. A non-volatile storage medium, characterized in that, The non-volatile storage medium includes a stored program, wherein, when the program is executed, it controls the device containing the non-volatile storage medium to perform the payment method according to any one of claims 1 to 22.

28. A computer device, characterized in that, The computer device includes a processor for running a program, wherein the program executes the payment method according to any one of claims 1 to 22.

29. A payment terminal, characterized in that, include: UWB chip, security chip, and security channel; The secure channel connects the UWB chip and the secure chip; The UWB chip is used to receive payment request information sent by the receiving terminal through the UWB channel, wherein the payment request information is used to request the payment terminal to complete the target transaction, and the target transaction is a payment from the payment terminal to the receiving terminal. The UWB chip is also used to encrypt the payment request information using a first key to obtain encrypted information, transmit the encrypted information to the security chip through the security channel, receive the payment result returned by the security chip, and send the payment result to the payment terminal through the UWB channel; The security chip is used to verify the target transaction based on the encrypted information, generate a payment result, and return the payment result to the UWB chip.

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