Transaction method and transaction system based on digital currency hardware wallet

Abstract

A transaction method and a transaction system based on a digital currency hardware wallet, the transaction method comprising: a mobile communication device obtaining capability information of a digital currency hardware wallet in interaction, judging whether the digital currency hardware wallet has the capability of receiving payment, the capability of displaying and the capability of networking according to the capability information; in response to the judgment that the digital currency hardware wallet has the capability of receiving payment and the capability of displaying and does not have the capability of networking, the mobile communication device sending digital currency transaction information to a background server for transaction processing; in response to a echo instruction generated by the background server after executing the transaction processing according to the digital currency transaction information, the mobile communication device receiving and sending the echo instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays information including a transaction amount and a balance according to the echo instruction through the display capability. The transaction method provides a transaction mode taking the digital currency hardware wallet as a payment terminal.

Description

Technical Field

[0001] Embodiments of this disclosure relate to a transaction method and system based on a digital currency hardware wallet. Background Technology

[0002] Because digital wallet transactions offer a simpler transaction process and have many advantages over conventional transaction technologies (including card payments, cash payments, bank transfers, etc.), existing digital wallet transactions are increasing.

[0003] Cryptocurrency hardware wallets, as a type of digital wallet, are becoming increasingly widely used. However, using cryptocurrency hardware wallets as payment terminals for receiving transactions presents a challenge, and currently, no suitable transaction system exists. Summary of the Invention

[0004] At least one embodiment of this disclosure provides a transaction method based on a digital currency hardware wallet. The method includes: a mobile communication device obtaining capability information from the digital currency hardware wallet in interaction, and determining whether the digital currency hardware wallet has the ability to receive payments, display information, and connect to the network based on the capability information; in response to the determination that the digital currency hardware wallet has the ability to receive payments and display information, and does not have the ability to connect to the network, the mobile communication device sends digital currency transaction information to a backend server for transaction processing, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; in response to the echo instruction generated by the backend server after executing the transaction processing based on the digital currency transaction information, the mobile communication device receives and sends the echo instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays information including the transaction amount and balance according to the echo instruction through its display capabilities.

[0005] For example, in a transaction method according to at least one embodiment of the present disclosure, when the capability information includes a receiving capability identifier indicating that the digital currency hardware wallet has the capability to receive payments, a mobile communication device sends an instruction to the digital currency hardware wallet to obtain digital currency transaction information.

[0006] For example, in a transaction method according to at least one embodiment of the present disclosure, when the capability information includes a receiving capability identifier indicating that the digital currency hardware wallet has the ability to receive payments and information indicating that the digital currency hardware wallet supports receiving addresses, the mobile communication device sends an instruction to the digital currency hardware wallet to obtain the receiving address, and generates and sends digital currency transaction information based on the payment information obtained from the receiving address.

[0007] For example, in a transaction method according to at least one embodiment of the present disclosure, a digital currency hardware wallet performs at least one of the following operations through its display capabilities: clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to a setting prompt message.

[0008] For example, in the transaction method according to at least one embodiment of this disclosure, the receiving address is a receiving URL that can be linked to a receiving page via the Internet.

[0009] For example, in the transaction method according to at least one embodiment of this disclosure, the digital currency transaction information is encrypted information containing a MAC value.

[0010] For example, in a transaction method according to at least one embodiment of this disclosure, the backend server includes a first server associated with a software wallet of a mobile communication device and a second server associated with a digital currency hardware wallet; the first server determines whether it is an internal transaction based on the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and selects whether to execute the transaction processing by the first server or by the second server based on the determination result.

[0011] For example, according to at least one embodiment of the transaction method of this disclosure, the first server performs transaction processing by the following steps: performing MAC value verification and decryption processing on the digital currency transaction information; determining whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the authority to receive payments, transferring the amount from the software wallet in the mobile communication device to the digital currency hardware wallet based on the decrypted transaction information, and generating a transaction result instruction and an echo instruction to be sent to the mobile communication device.

[0012] For example, according to at least one embodiment of the transaction method of this disclosure, the second server performs transaction processing through the following steps: performing MAC value verification and decryption processing on the digital currency transaction information; determining whether the digital currency hardware wallet has receiving permissions based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has receiving permissions, increasing the balance of the digital currency hardware wallet based on the decrypted information, generating and returning a transaction result instruction and an echo instruction to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the echo instruction to the mobile communication device.

[0013] At least one embodiment of this disclosure provides a transaction system based on a digital currency hardware wallet. The transaction system includes: a digital currency hardware wallet, a mobile communication device, and a backend server. The digital currency hardware wallet is configured to have payment receiving and display capabilities, but no network connectivity. Based on an echo command, it updates and displays information including the transaction amount and balance through its display capabilities. The mobile communication device is configured to obtain capability information from the digital currency hardware wallet during interaction, and determine whether the digital currency hardware wallet has payment receiving and display capabilities based on the capability information. In response to the determination that the digital currency hardware wallet has payment receiving and display capabilities, but no network connectivity, it sends digital currency transaction information to the backend server for transaction processing. In response to an echo command sent by the backend server, it receives and forwards the information to the digital currency hardware wallet. The digital currency transaction information is transaction information related to payments to the digital currency hardware wallet. The backend server is configured to process the transaction based on the digital currency transaction information, generate an echo command, and send it to the mobile communication device.

[0014] For example, in a transaction system according to at least one embodiment of the present disclosure, a mobile communication device is configured to send an instruction to a digital currency hardware wallet to obtain digital currency transaction information when the capability information includes a receiving capability identifier indicating that the digital currency hardware wallet has the capability to receive payments.

[0015] For example, in a transaction system according to at least one embodiment of the present disclosure, a mobile communication device is configured to send an instruction to a digital currency hardware wallet to obtain a receiving address when the capability information includes a receiving capability identifier indicating that the digital currency hardware wallet has the ability to receive payments and information indicating that the digital currency hardware wallet supports receiving addresses, and to generate and send digital currency transaction information based on the payment information obtained through the receiving address.

[0016] For example, in a transaction system according to at least one embodiment of the present disclosure, a digital currency hardware wallet is configured to perform at least one of the following operations through its display capabilities: clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to a setting prompt message.

[0017] For example, in a transaction system according to at least one embodiment of this disclosure, the receiving address is a receiving URL that can be linked to a receiving page via the internet.

[0018] For example, in a transaction system according to at least one embodiment of the present disclosure, the digital currency transaction information is encrypted information containing a MAC value.

[0019] For example, in a transaction system according to at least one embodiment of the present disclosure, the backend server includes a first server associated with a software wallet of a mobile communication device and a second server associated with a digital currency hardware wallet; the first server is configured to determine whether it is an internal transaction based on the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and select whether to execute the transaction processing by the first server or by the second server based on the determination result.

[0020] For example, in a transaction system according to at least one embodiment of the present disclosure, a first server is configured to perform transaction processing by: performing MAC value verification and decryption processing on digital currency transaction information; determining whether the digital currency hardware wallet has receiving permissions based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has receiving permissions, transferring the amount from the software wallet in the mobile communication device to the digital currency hardware wallet based on the decrypted transaction information, and generating a transaction result instruction and an echo instruction to be sent to the mobile communication device.

[0021] For example, in a transaction system according to at least one embodiment of this disclosure, the second server is configured to perform transaction processing by: performing MAC value verification and decryption processing on digital currency transaction information; determining whether the digital currency hardware wallet has receiving permissions based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has receiving permissions, increasing the balance of the digital currency hardware wallet based on the decrypted transaction information, generating and returning a transaction result instruction and an echo instruction to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the echo instruction to the mobile communication device.

[0022] At least one embodiment of this disclosure provides an electronic device, wherein the electronic device includes: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement a transaction method according to at least one embodiment of this disclosure.

[0023] At least one embodiment of this disclosure provides a computer-readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements a transaction method according to at least one embodiment of this disclosure.

[0024] The solution of this invention enables a new transaction mode when a digital currency hardware wallet is used as a receiving terminal, and it can save more device costs and expenses compared with other receiving terminals, and has better security. Attached Figure Description

[0025] To more clearly illustrate the technical solutions of the embodiments of this disclosure, the accompanying drawings of the embodiments of this disclosure will be briefly described below. Clearly, the drawings described below only relate to some embodiments of this disclosure and are not intended to limit the scope of this disclosure.

[0026] Figure 1 A block diagram of a transaction system based on a digital currency hardware wallet according to at least one embodiment of the present disclosure is shown;

[0027] Figure 2 A block diagram of an exemplary mobile communication device and a digital currency hardware wallet according to at least one embodiment of the present disclosure is shown;

[0028] Figure 3 A schematic diagram of the appearance of an exemplary digital currency hardware wallet according to at least one embodiment of the present disclosure is shown;

[0029] Figure 4 A flowchart illustrating a transaction method based on a digital currency hardware wallet according to at least one embodiment of the present disclosure is shown;

[0030] Figure 5 A flowchart illustrating an exemplary transaction method according to at least one embodiment of the present disclosure is shown;

[0031] Figure 6 A flowchart of another exemplary transaction method according to at least one embodiment of the present disclosure is shown;

[0032] Figure 7 A schematic block diagram of an electronic device according to at least one embodiment of the present disclosure is shown;

[0033] Figure 8 A schematic diagram of a computer-readable medium according to at least one embodiment of the present disclosure is shown. Detailed Implementation

[0034] Reference will now be made in detail to specific embodiments of the present disclosure, examples of which are illustrated in the accompanying drawings. Although the present disclosure will be described in conjunction with specific embodiments, it will be understood that it is not intended to limit the present disclosure to the described embodiments. Rather, it is intended to cover variations, modifications, and equivalents included within the spirit and scope of the present disclosure as defined by the appended claims. It should be noted that the method operations described herein can be implemented by any functional block or functional arrangement, and any functional block or functional arrangement can be implemented as a physical entity or a logical entity, or a combination of both.

[0035] To enable those skilled in the art to better understand this disclosure, the disclosure will be further described in detail below with reference to the accompanying drawings and specific embodiments.

[0036] Note that the examples described below are merely specific examples and are not intended to limit the embodiments of this disclosure to the specific shapes, hardware, connections, operations, values, conditions, data, sequences, etc., shown and described. Those skilled in the art can utilize the concepts of this disclosure to construct further embodiments not mentioned herein by reading this specification.

[0037] The terminology used in this disclosure is that which is currently widely used in the art in consideration of the functionality of this disclosure; however, these terms may vary depending on the intent, precedent, or new technology of those skilled in the art. Furthermore, specific terms may be chosen by the applicant, and in such cases, their detailed meanings will be described in the detailed description of this disclosure. Therefore, the terminology used in this specification should not be construed as simple names, but rather based on the meaning of the terms and the overall description of this disclosure.

[0038] This disclosure uses flowcharts to illustrate the operations performed by the system according to embodiments of this application. It should be understood that the preceding or following operations are not necessarily performed in exact order. Instead, various steps can be processed in reverse order or simultaneously, as needed. Furthermore, other operations can be added to these processes, or one or more steps can be removed from them.

[0039] First, the abbreviations and related terms involved in this disclosure are defined and explained.

[0040] Digital currency wallets can take the form of software wallets or hardware wallets. Software wallets refer to wallet services provided through smart applications that support digital currencies; they can be understood as existing as applications (Apps). Examples include digital wallets within digital currency apps and digital wallets within bank apps. Hardware wallets are physical media for storing digital currencies, opened through over-the-counter or electronic channels. They are digital currency carriers with hardware security elements and also have basic functions such as withdrawal, redemption, top-up, withdrawal, spending, transfer, and inquiry. Examples include mobile phones with Secure Element (SE) devices, NFC-SIM cards, IC cards, and wearable devices.

[0041] Hardware wallet application: Supports basic functions such as hardware wallet opening / closing, online / offline payment, and balance inquiry. It provides security authentication for financial operations such as transfers and purchases, and also offers offline security authentication. It provides users with services such as changing authentication methods and resetting passwords.

[0042] Interoperability Platform: A platform supporting the transfer, clearing, and message exchange of digital currency / electronic payments between the central bank and various operating institutions. It enables interoperability between the central bank and various operating institutions.

[0043] Interaction capabilities: The ability information that each of the two transaction terminals possesses, including communication mode, network status, human-computer interaction input and output security capabilities, payment terminal form and other capability parameters.

[0044] Feature negotiation: Based on the above definition of interaction capability parameters, before the two wallets interact, they need to exchange interaction capability parameters to determine the characteristics of the transaction between the two parties, specifically including: transaction model and other transaction control parameters.

[0045] Mobile communication devices, also known as mobile terminals or mobile communication terminals, include any electronic device that a user can easily carry or operate, and which may also provide the ability to communicate remotely with a network. Mobile communication devices can communicate using mobile phone (wireless) networks, wireless data networks (e.g., 3G, 4G, 5G, or similar networks), Wi-Fi, Bluetooth, Bluetooth Low Energy (BLE), Wi-Max, or any other communication medium that provides access to networks such as the Internet or private networks. Examples of mobile communication devices include mobile phones (also called mobile terminals), tablet computers, netbooks, laptop computers, wearable devices (e.g., watches), etc. Mobile communication devices may include any suitable hardware and software for performing such functions, and may also include multiple devices or components.

[0046] Issuer: This can be a financial institution, such as a bank, that creates and maintains financial accounts for account holders.

[0047] It should be noted that the technical solutions disclosed in this invention, regarding the collection, updating, analysis, processing, use, transmission, and storage of user personal information, all comply with relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken to prevent unauthorized access to user personal information data and to safeguard user personal information security, network security, and national security.

[0048] In related technologies, digital currency hardware wallets generally serve as both payers and dedicated payment terminals for digital currency transactions. In certain scenarios, particularly for small-amount digital currency transactions, and to reduce transaction costs for merchants, there is an urgent need to provide a solution that allows digital currency hardware wallets to function as payment terminals and offers corresponding transaction modes. However, current technologies do not provide such a solution.

[0049] To address the aforementioned issues, at least one embodiment of this disclosure provides a transaction method and related system, proposing a solution that allows digital currency hardware wallets to act as recipients in digital currency transactions, and presenting a new transaction model. This expands the functionality and scope of digital currency hardware wallets and reduces transaction costs for merchants.

[0050] In the following, embodiments according to this disclosure will be described in detail with reference to the accompanying drawings. In the drawings, like elements are designated using the same reference numerals. Furthermore, throughout the detailed description, like terms are used to refer to the same elements.

[0051] Figure 1 A block diagram of a transaction system 100 based on a digital currency hardware wallet (hereinafter referred to as a hardware wallet or hard wallet) according to at least one embodiment of the present disclosure is shown.

[0052] like Figure 1 As shown, the transaction system 100 includes a hardware wallet 102, a mobile communication device 104, and a back-end server (as shown in an example, it may include a first server 106, a second server 110, and an interconnection platform 108).

[0053] In this embodiment of the disclosure, the hardware wallet 102 may be an electronic device including an NFC card chip. For example, the hardware wallet 102 may be a portable terminal capable of supporting one or more NFC functions (NFC payment functions), such as... Figure 3 The card-type hardware wallet shown. Typically, hardware wallet 102 can use NFC to perform payments or communications. When using NFC to perform payments or communications, it can drive a built-in digital currency application, such as a hardware wallet application, and use that application.

[0054] For example, mobile communication device 104 can communicate with hardware wallet 102 in a contactless manner via NFC. Using NFC, mobile communication device 104 can perform the following functions with hardware wallet 102: contactless mobile payment, security authentication, and data exchange. Hereinafter, commercially available devices, such as mobile phone terminals, will be used as examples of mobile communication device 104 to describe embodiments of this disclosure; however, embodiments of this disclosure are not limited thereto.

[0055] For example, messages between the mobile communication device 104 and the backend server can be sent via the communication network 105 using a secure communication protocol, such as, but not limited to, File Transfer Protocol (FTP), Hypertext Transfer Protocol (HTTP), and Secure Hypertext Transfer Protocol (HTTPS). The communication network 105 may include any one and / or a combination of the following: direct interconnection, the Internet, a local area network (LAN), a metropolitan area network (MAN), a secure custom connection, a wide area network (WAN), a wireless network, etc.

[0056] In this embodiment of the disclosure, the back-end server is a back-end system that supports digital currency mobile payment functions. It may include a back-end server of the payment and collection operation institution and an interconnection platform, supporting digital currency transactions within the institution and across institutions.

[0057] like Figure 1 As shown, in most cases, the backend servers include a first server 106 and a second server 110. The first server 106 is the system or server corresponding to the payer's wallet (e.g., the software wallet in the mobile communication device 104), and the second server 110 is the system or server corresponding to the payee's wallet (e.g., the hardware wallet 102). Both can process digital currency transactions within the institution and generate echo instructions.

[0058] To facilitate information exchange among multiple operating organizations, in this embodiment of the disclosure, the backend server also includes an interconnected system or server (such as...) that is connected to the systems or servers corresponding to each operating organization. Figure 1 Interoperability platform 108 in China.

[0059] For example, in this embodiment of the disclosure, when conducting a digital currency transaction based on the payer's wallet identifier, the payee's wallet identifier, and the transaction amount in the transaction ciphertext, if the operating institutions of the wallets corresponding to the payer's wallet identifier and the payee's wallet identifier belong to the same wallet operating institution, a transaction within the same institution is conducted; if the operating institutions of the wallets corresponding to the payer's wallet identifier and the payee's wallet identifier do not belong to the same wallet operating institution, a transaction request is sent through the interconnection platform to conduct a cross-institutional transaction.

[0060] For example, in some transaction scenarios, the recipient's wallet and the sender's wallet belong to the same digital currency operator. In this case, the digital currency transaction takes place on the same digital currency operator's server, and the transfer of digital currency is handled by the server or system of the digital currency operator during the transaction.

[0061] For example, in other transaction scenarios, if the payee's wallet and the payer's wallet do not belong to the same cryptocurrency operator, the transaction process will occur between the payee's operator's server or system, the payer's operator's server or system, and an interconnected server or system. For example, in this case, after the mobile communication device 104 sends the encrypted transaction to the payer's operator's server or system (e.g., the first server 106), it determines the operator corresponding to the payee's wallet based on the payee's wallet identifier, and then sends the transaction request to the operator corresponding to the payee's wallet through the interconnected system or server. The server or system of the operator corresponding to the payee's wallet (e.g., the second server 110) adds cryptocurrency corresponding to the transaction amount to the payee's wallet (hardware wallet 102), while the payer's wallet operator deducts cryptocurrency corresponding to the transaction amount from the payer's wallet (software wallet in mobile communication device 104).

[0062] In some embodiments of this disclosure, the payer wallet identifier can be associated with a wallet account. When deducting digital currency, it can be deducted from the wallet account. In other words, the operator of the payer wallet identifies the wallet account through the associated identifier of the payer wallet and makes the deduction.

[0063] In addition to the above, before the execution of a digital currency transaction, issuer 101 is also involved. When issuing certain hardware wallets, issuer 101 needs to enable hardware wallet 102 to receive payments, depending on the scenario. Therefore, when issuing these hardware wallets, issuer 101 will write user information and an identifier indicating receiving capabilities, or write user information, an identifier indicating receiving capabilities, and a receiving address. In this way, the hardware wallet has personalized configuration. By writing an identifier indicating real-time receiving capabilities, the hardware wallet can act as a receiving end for transaction processing.

[0064] The receiving address can exist in various forms. In this embodiment, the receiving address is a URL that can link to a payment page via the internet. Its confidentiality and integrity are protected by the management key of the security unit in the hardware wallet, and this receiving address cannot be changed arbitrarily. In this embodiment, the mobile communication device 104 can access the payment page linked to the receiving address through the communication network 105.

[0065] Besides the URL format mentioned above, payment addresses can also be displayed as mini-program pages and H5 pages. A "mini-program" is an application that can be used without downloading or installation. Once accessed, the mini-program page runs in full view and overlays the host application page as a window. An H5 page refers to a webpage developed using Hyper Text Markup Language 5 (HTML5) technology. On mobile devices, computers, and other electronic devices, H5 pages can present different page information using various elements such as text, music, images, and links, offering advantages such as rapid iteration and flexible configuration and operation.

[0066] Figure 2 A block diagram of an exemplary mobile communication device 104 and a digital currency hardware wallet 102 according to at least one embodiment of the present disclosure is shown.

[0067] like Figure 2 As shown, the mobile communication device 104 may include a payment module 1042, a processor 1044, a memory 1046, and a communicator 1045. Of course, the mobile communication device 104 may omit at least one component, or may further include other components.

[0068] In this embodiment of the disclosure, the payment module 1042 may include software and / or programs for supporting digital currency soft wallet functions. The soft wallet functions may include, for example, operations such as selecting a hardware wallet application for capability negotiation, opening a payment page for a receiving address in response to a receiving address sent by the hardware wallet, sending generated digital currency transaction information to an external device (e.g., a backend server), and receiving and displaying payment completion information from an external device (e.g., a backend server). The payment completion information may include receipt information, which includes the product name, price, quantity, merchant name, or order number related to the merchant transaction.

[0069] For example, communicator 1045 can communicate with another electronic device at least via a wireless communication network. According to embodiments of this disclosure, communicator 1045 is configured to wirelessly communicate with a digital currency hard wallet 102. Specifically, the communication connection method can include a short-range wireless communication connection for forming a device-to-device (D2D) communication channel. Here, the short-range wireless communication connection can include a communication connection via a short-range wireless communication network according to short-range wireless communication standards such as Bluetooth, Wi-Fi, BLE, Near Field Communication (NFC) / Radio Frequency Identification (RFID), Wi-Fi Direct, Ultra Wideband (UWB), Zigbee, etc. For example, communicator 210 of embodiments of this disclosure includes an NFC card chip to transmit information via NFC wireless communication. Additionally, communicator 1045 can also network with a backend server via communication network 105, for example, by sending messages via a cellular network (or any other suitable wireless network—e.g., the Internet or other data networks).

[0070] The memory 1046 may store data, one or more programs, one or more instructions, or at least one of one or more applications. The memory 1046 may include at least one type of storage medium selected from flash memory, hard disk storage media, multimedia card micro storage media, card-type memory (e.g., SD or XD memory), RAM, static RAM (SRAM), ROM, electrically erasable programmable ROM (EEPROM), programmable ROM (PROM), magnetic storage, magnetic disk, and optical disk.

[0071] The processor 1044 can control at least one different component of the mobile communication device 104, and / or can perform operations related to communication or data processing.

[0072] like Figure 2As shown, the hardware wallet 102 includes a communication module 1026, a security unit 1021, and other input / output components (input component 1024, display screen 1022, speaker 1023). The security unit 1021 includes a hardware wallet application 1021A, a wallet management module 1021B, and a wallet data storage area 1021C. Figure 2 The illustration shown is merely an example. The hardware wallet in this embodiment of the disclosure can also be an active visual card with a battery (power module 1025) and the display screen can be controlled by a button switch.

[0073] For example, the communication module 1026 is primarily responsible for connecting to the mobile communication device 104, and its communication methods can include Bluetooth, NFC, Wi-Fi, USB, and mobile networks. The wallet management module 1021B resides within the security unit 1021. The wallet management module 1021B is responsible for managing digital currency payment activities, and its functions include reading and writing personalized account information, wallet management, wallet transactions, and wallet query functions. The wallet data storage area 1021C resides within the security unit 1021 and stores: wallet SEID, wallet ID, wallet control information, wallet transaction-related information, key information, and certificate information. The wallet ID can be either the actual wallet account ID or a mask for the wallet account. The mask is used to ensure wallet data security, and the mask corresponds one-to-one with the wallet account. Furthermore, the keys and authentication information include symmetric keys, asymmetric keys, and institution certificates. During wallet initialization (i.e., wallet account opening), the hardware wallet application 1021A issues symmetric keys and asymmetric keys, and the wallet server 100 issues institution certificates. The above data is written into the security unit 1021.

[0074] Figure 3 A schematic diagram of the appearance of an exemplary digital currency hardware wallet 102 according to at least one embodiment of the present disclosure is shown.

[0075] like Figure 3 As shown, the digital currency hardware wallet 102 includes a main body 1021 and a display screen 1023. The main body 1021 may be in the form of a plastic substrate, a shell, or other structures. The display screen 1023 is used to display digital currency transaction information and the balance information of the digital currency hardware wallet, etc., and this embodiment does not specifically limit its use.

[0076] In addition, in some embodiments of this disclosure, the hardware wallet 102 may also include an input area 1024 for multiple physical buttons (such as numeric keys, a power button, etc.). This input area 1024 can be used by the user to input the payment password for the hardware wallet, and also by the user to select the functional mode of the hardware wallet. For example, the functional mode may include payment mode, receiving mode, etc. The hardware wallet 102 may also include an audio output component (e.g., a microphone) or an indicator light (not shown). This disclosure does not limit the components included in the hardware wallet in detail. In practical applications, the hardware wallet may include more or fewer components than those described above.

[0077] Figure 4 A flowchart illustrating a transaction method according to at least one embodiment of the present disclosure is shown. This figure is... Figure 1 The trading process of the trading system shown is described.

[0078] like Figure 4 As shown, during the transaction execution process, the mobile communication device 104 obtains the capability information of the hardware wallet 102 in the interaction (step S410), and determines whether the hardware wallet 102 has the ability to receive payments, display information, and connect to the network based on the capability information (step S420).

[0079] For example, the soft wallet application in the payment module 1042 of the mobile communication device 104 selects the hardware wallet application 1025 in the hardware wallet 102 to negotiate capabilities. The capability information sent by the hardware wallet application 1025 to the soft wallet application may include parameters such as the communication method describing the data interaction between the two devices, network status (used to describe the network status of the two devices when performing operations, such as online and offline), human-computer interaction input and output (such as buttons, display screen, QR code display function, indicator light, indicator sound, vibration prompt, peripherals), security capabilities, and payment terminal form (fixed payment terminal, mobile POS), etc.

[0080] Since the hardware wallet in this embodiment needs to have a payment receiving function, in order to better facilitate human-computer interaction, the hardware wallet 102's human-computer interaction capabilities also need to include the ability to display payment information to notify the user. Therefore, in this embodiment, the capability information sent by the hardware wallet application 1025 must at least include parameters related to payment receiving capability identifier, human-computer interaction capability information, and network connectivity identifier.

[0081] In step S430, in response to the determination that the hardware wallet 102 has the ability to receive payments and display information, but does not have the ability to connect to the network, the mobile communication device 104 sends digital currency transaction information to the backend server 106 for transaction processing. The digital currency transaction information is transaction information related to payment to the digital currency hardware wallet 102.

[0082] For example, the soft wallet application in payment module 1042 parses the received capability information and determines whether the capability information includes a payment capability identifier indicating that the hardware wallet has the ability to receive payments, a display capability number indicating that it has a display screen, and network status parameters. If the corresponding information is present, it means that the hardware wallet 102 has the corresponding capabilities. In this embodiment of the disclosure, the main focus is on the case where the hardware wallet has display and payment capabilities but no network connectivity. Correspondingly, the hardware wallet 102 also obtains the capability parameters sent by the mobile communication device 104.

[0083] In addition to the aforementioned payment collection and display capabilities, they can also exchange parameters such as communication mode and terminal type. Based on these interactive capability parameters, the characteristics of the transaction (including the transaction model) can be determined. In this embodiment of the disclosure, after exchanging the interactive capability information, the two parties negotiate whether to support single-connection (offline hardware wallet, no network capability) real-time payment collection transactions. That is, during the transaction, one party connects to the network, and the front-end only ends the transaction after the payment is completed in the background.

[0084] In other embodiments, if the hardware wallet has network connectivity in addition to receiving and displaying capabilities, it can directly obtain payer information from the payment terminal (e.g., mobile communication device 104), generate digital currency transaction information based on the payer information, and send it to the backend for direct payment transactions. This disclosure mainly describes the case where the hardware wallet has display and receiving capabilities but no network connectivity, so the case with network connectivity will not be described in detail.

[0085] For example, in this embodiment of the disclosure, when the capability information includes a receiving capability identifier indicating that the hardware wallet has the capability to receive payments, the mobile communication device 104 sends an instruction to the hardware wallet 102 to obtain digital currency transaction information. For example, in this embodiment of the disclosure, the digital currency transaction information is protected by an encryption / decryption key and a MAC key. For example, it is encrypted using the key on the hardware wallet, resulting in ciphertext information containing a MAC value. Exemplarily, the hardware wallet encrypts the unencrypted transaction information using the encryption key to obtain ciphertext, then calculates the MAC value using the MAC key, and finally concatenates the ciphertext and the MAC value to obtain ciphertext information. The transaction information (also called payment information) may include the recipient's hardware wallet identifier, the payer's identifier, the transaction amount, a transaction counter, capability identifiers (display capability and receiving capability), transaction type, etc. The transaction counter indicates the remaining number of offline transactions, incrementing after each transaction to distribute the key and prevent transaction replay attacks. The specific transaction information will be described in detail in subsequent scenarios and will not be repeated here.

[0086] For example, in this embodiment of the disclosure, when the capability information includes a payment capability identifier indicating that the hardware wallet has the ability to receive payments and information indicating that the hardware wallet supports payment addresses, the mobile communication device 104 sends an instruction to the hardware wallet 102 to obtain the payment address, and generates and sends digital currency transaction information based on the payment information obtained from the payment address. The payment information includes at least the payment amount and the recipient's hardware wallet identifier. As mentioned above, in this embodiment of the disclosure, the payment address is represented as a payment URL. After the hardware wallet 102 returns the payment address to the mobile communication device 104, the mobile communication device 104 displays a payment page, prompting the user to enter the payment amount to make the payment, and generates digital currency transaction information based on the payment information entered by the user. The digital currency transaction information here can also be encrypted ciphertext information. Specifically, the payment information is transmitted to the backend via the public key of the recipient's operating institution, and decrypted by the private key of the recipient's operating institution.

[0087] For example, in this embodiment of the disclosure, the hardware wallet performs at least one of the following operations through its display capabilities: clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to a setting prompt message (denoted as the first display update operation). For example Figure 1 The information displayed on the visualization module (such as a display screen) of the hardware wallet 102 shown is 102A, which is the information displayed during the payment receiving process at this stage: "Receiving payment... Transaction amount: XXXX". This first display update operation prepares the hardware wallet for accurate display of balance information later, improving display accuracy compared to related technologies. The hardware wallet can perform the first display update operation at the same time as, before, or after sending digital currency transaction information or a receiving address within a set time frame. To ensure real-time performance, it is best to display the information simultaneously with its transmission. This disclosure does not limit this aspect.

[0088] In step S440, the backend server executes the transaction processing based on the digital currency transaction information and generates an echo instruction, which is then sent to the mobile communication device 104.

[0089] For example, in this embodiment of the disclosure, the backend server includes a first server 106 associated with the software wallet of the mobile communication device 104 and a second server 110 associated with the digital currency hardware wallet 102. First, the mobile communication device 104 sends digital currency transaction information to the first server 106. The first server 106 determines whether the transaction is an internal transaction based on the identity information of the software wallet and the digital currency hardware wallet in the transaction information. Based on the determination result, it chooses whether the transaction processing is performed by the first server 106 or by the second server 110. Specifically, the first server 106 determines whether the transaction is an internal transaction based on the institution identifier in the software wallet ID information and the hardware wallet ID information. If it is an internal transaction, the local server 106 performs the transaction processing; if it is not an internal transaction, the digital currency transaction information is forwarded to the second server 110 through the interconnection platform 108, and then the second server 110 performs the transaction processing.

[0090] For example, in this embodiment of the disclosure, the first server 106 performs transaction processing through the following steps: First, it performs MAC value verification and decryption processing on the digital currency transaction information; based on the identity information of the digital currency hardware wallet 102 in the decrypted transaction information, it determines whether the digital currency hardware wallet 102 has receiving permissions; if the digital currency hardware wallet 102 has receiving permissions, it transfers the amount from the software wallet in the mobile communication device 104 to the digital currency hardware wallet based on the decrypted encrypted information, and generates a transaction result instruction and an echo instruction, which are then sent to the mobile communication device 104. Specifically, after processing the transaction based on the digital currency transaction information, the first server 106 organizes the generation of an echo instruction that at least includes transaction amount information and balance information, and a transaction result instruction indicating successful transaction.

[0091] For example, in this embodiment of the disclosure, if it is determined that the transaction processing is performed by the first server 106, the first server 106 verifies the MAC value of the digital currency transaction information. If the verification is successful, the digital currency transaction information is decrypted, and the identity information of the decrypted digital currency hardware wallet is used to verify whether the digital currency hardware wallet has the authority to receive payments. If it has the authority to receive payments, the balance information of the hardware wallet is increased and the balance information of the software wallet is decreased based on the decrypted transaction information, and a transaction result instruction and an echo instruction are generated and sent to the mobile communication device 104.

[0092] For example, in this embodiment of the disclosure, the second server 110 performs transaction processing through the following steps: performing MAC value verification and decryption processing on the digital currency transaction information; determining whether the digital currency hardware wallet 102 has receiving permissions based on the identity information of the digital currency hardware wallet 102 in the decrypted transaction information; if the digital currency hardware wallet 102 has receiving permissions, increasing the balance of the digital currency hardware wallet based on the decrypted information, generating and returning a transaction result instruction and an echo instruction to the first server 106, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the echo instruction to the mobile communication device 104. Specifically, after the second server 110 processes the transaction based on the digital currency transaction information, it organizes and generates an echo instruction that at least includes transaction amount information and balance information, and a transaction result instruction indicating that the transaction was successful.

[0093] For example, in this embodiment of the disclosure, if it is determined that the transaction processing is performed by the second server 110, the second server 110 verifies the MAC value of the digital currency transaction information. If the verification is successful, the digital currency transaction information is decrypted, and the identity information of the decrypted digital currency hardware wallet is used to verify whether the digital currency hardware wallet has the authority to receive payments. If it has the authority to receive payments, the balance information of the hardware wallet is increased based on the decrypted transaction information, and a transaction result instruction and an echo instruction are generated and sent to the first server 106. The first server 106 decreases the balance information of the software wallet according to the transaction result instruction and the echo instruction, and sends the transaction result instruction and the echo instruction to the mobile communication device 104.

[0094] It should be noted that the above-described method for generating and composing digital currency transaction information is merely an example, and this disclosure does not limit its scope. For instance, digital currency transaction information can be composed of plaintext and ciphertext. The plaintext may include a combination of the receiving terminal hardware wallet identifier (an example of identity information) and a counter (an example of data used for key distribution), while the ciphertext consists of transaction information other than the plaintext, protected by an encryption key and a MAC key. Thus, when processing such digital currency transaction information, the backend can first determine whether it has receiving authorization based on the receiving terminal hardware wallet identifier, and then verify the MAC address and decrypt the ciphertext.

[0095] In step S450, the mobile communication device 104 receives and sends an echo command to the hardware wallet 102.

[0096] In step S460, the hardware wallet 102 updates and displays information including the transaction amount and balance according to the echo instruction through its display capabilities (referred to as the second display update operation). The hardware wallet 102 returns the operation result so that the mobile communication device 104 can prompt the user with the transaction result.

[0097] For example, after the hard wallet 102 receives the echo command, it calls the visual module interface to control the display screen to show at least the transaction amount and balance information in the echo command, allowing users to see balance changes in real time. Figure 1 The visualization module (such as the display screen) of the Zhongying Wallet 102 displays the following information: "Transaction completed: XXXX Remaining amount: XXXX".

[0098] After a transaction is established, the hardware wallet sends the transaction information or receiving address and performs a first display update operation, updating the content displayed on the visualization module to indicate to the user that the hardware wallet is in operation. Upon receiving the echo command, the hardware wallet performs a second display update operation, updating the content displayed on the visualization module. The user receives the updated content from the second display update operation and can view the transaction result. These two display updates ensure that users can clearly perceive changes in the information displayed on the visualization module during transactions using the visual hardware wallet, improving the user experience of the hardware wallet as a receiving end. Furthermore, it helps users determine whether the content displayed on the visualization module has been updated, enhancing the user experience.

[0099] To better understand the embodiments of this disclosure, the following describes the transaction process with a hardware wallet as the receiving end, using a mobile terminal and a visual hardware wallet transaction system as an example.

[0100] Figure 5 A flowchart illustrating an exemplary transaction method according to at least one embodiment of this disclosure is shown. In this scheme, the mobile communication device is a mobile terminal 520, and the hardware wallet is a visual hardware wallet 500, which has the ability to receive payments and display information, but does not support receiving addresses; that is, only a payment receiving capability identifier is written into the visual hardware wallet 500 when it is issued. The payer backend 530 is the backend related to the software wallet inside the mobile terminal 520, and the payee backend 550 is the backend related to the hardware wallet 500. In addition, the visual hardware wallet 500 has a digital currency string.

[0101] like Figure 5 As shown, in step S501, the mobile terminal 520 selects the hardware wallet application of the visual hardware wallet 500 and negotiates capabilities with it.

[0102] Specifically, after the mobile terminal 520 and the visual hardware wallet 500 establish a communication connection, the mobile terminal 520 sends a command to the visual hardware wallet 500 to select the hardware wallet application 1025 of the hardware wallet 500, so that the application of the hardware wallet 500 can start negotiating with interactive capability information.

[0103] In step S502, the mobile terminal 520 analyzes the hardware wallet capability information obtained to determine whether it has display capability and payment collection capability, and whether it has network connectivity capability, and negotiates support for single-connection real-time payment collection transactions.

[0104] In step S503, the mobile terminal 520 sends an instruction to the visual hardware wallet 500 to obtain digital currency transaction information (referred to as "transaction information" in the figure).

[0105] In step S504, the visual hard wallet 500 clears the visual screen, displays only the current transaction amount, or displays only transaction information on the visual screen.

[0106] In step S505, the hardware wallet 500 transmits the transaction information to the mobile terminal 520. The transaction information is protected by an encryption / decryption key and a MAC key. The transaction information includes the wallet identifiers of both parties, the transaction amount, a counter, the transaction type, whether display capability is available, and the cryptocurrency string, among other information.

[0107] The execution order of steps S504 and S505 is not limited; they can be executed simultaneously, or S505 can be executed first and then S504.

[0108] In step S506, the mobile terminal 520 transmits the digital currency transaction information to the payer's backend 530 for transaction processing.

[0109] In step S507, the payer's backend 530 performs MAC value verification and decryption on the acquired digital currency transaction information. Based on the wallet identifier of the payer and payee obtained after decryption, it identifies whether the transaction is within the institution. If it is not within the institution, the transaction information is sent to the interoperability platform 540.

[0110] In step S508, the transaction information is sent to the payee's backend 550 through the interconnection platform 540.

[0111] In step S509, the receiving party's backend 550 verifies the MAC value and decryption information of the transaction information, and also verifies the legality of the coin string. After the verification is passed, the wallet information is identified based on the wallet identifier in the decrypted information. The hardware wallet is verified to have receiving permissions. If it does, the hardware wallet balance is increased according to the decrypted transaction information and an echo instruction is returned. The issued echo instruction contains the new coin string.

[0112] In step S510, the interconnection platform 540 returns the transaction result and echo instruction to the payer's backend.

[0113] In step S511, after receiving the successful response and echo instruction, the payer platform 530 reduces the soft wallet balance and returns the transaction result and echo instruction to the mobile terminal 520 (S512).

[0114] In step S513, the mobile terminal 520 sends an echo command to the visual hardware wallet 500.

[0115] In step S514, after receiving the echo instruction, the visual hardware wallet 500 verifies the legality and amount of the coin string. After the verification is successful, the coin string is saved. According to the echo instruction, the transaction amount, balance and other background information are displayed synchronously on the visual screen, and the operation result is returned to the mobile terminal 520.

[0116] In step S515, the mobile terminal 520 displays the payment result.

[0117] Figure 6 A flowchart of another exemplary transaction method according to at least one embodiment of this disclosure is shown. In this scheme, the mobile communication device is a mobile phone terminal 520, and the hardware wallet is a visual hardware wallet 500, which has the ability to receive payments and display information, and supports receiving addresses. That is, when the visual hardware wallet 500 is issued, not only a receiving capability identifier but also a receiving address is written into it. In addition, the visual hardware wallet 500 does not have a digital currency string.

[0118] exist Figure 6 Zhongyu Figure 5 The same or similar steps are indicated by using the same tags, therefore, in the description Figure 6 At that time, the description will not be repeated. Figure 5 The similarities lie in the steps S602, S603, S605, S609, and S614.

[0119] In step S602, the mobile terminal 520 analyzes whether the hardware wallet capability information obtained has display capability, negotiates support for single-connection real-time payment transactions (the negotiated "transaction model" is real-time payment transaction), and supports payment addresses.

[0120] In step S603, the mobile terminal 520 sends an instruction to the visual hardware wallet 500 to obtain the receiving address.

[0121] In step S605, the visual hardware wallet 500 returns the receiving address to the mobile terminal 520. The mobile terminal 520's software wallet displays a payment page based on the receiving address, prompting the user to enter the payment amount and complete the payment. Based on the received receiving address and the payment information obtained through the receiving address, the mobile terminal 520 generates and sends digital currency transaction information. This transaction information includes the wallet identifiers of both parties, the transaction amount, a counter, the transaction type, and whether display capability is available.

[0122] In step S609, the payee's backend 550 verifies the MAC value and decryption information of the transaction information. After successful verification, the wallet information is identified based on the wallet identifier in the decrypted information. The hardware wallet is then verified to have receiving permissions. If it does, the hardware wallet balance is increased based on the decrypted transaction information, and an echo command is returned.

[0123] In step S614, after receiving the echo instruction, the visual hardware wallet 500 displays the transaction amount, balance and other background information on the visual screen in a synchronized manner according to the echo instruction, and returns the operation result to the mobile terminal 520.

[0124] It should be noted that the above application scenarios are merely illustrative to illustrate one or more aspects of the present invention in specific scenarios, but these aspects are not mandatory and various modifications can be made to the application scenario.

[0125] At least some embodiments of this disclosure also provide an electronic device. Figure 7 A schematic diagram of an electronic device 700 according to at least one embodiment of the present disclosure is shown.

[0126] like Figure 7 As shown, the electronic device 700 includes one or more processors 710 and a memory 720. The memory 720 includes one or more computer program modules 721. The one or more computer program modules 721 are stored in the memory 720 and configured to be executed by the processor 710. These computer program modules 721 include instructions for executing a transaction method based on a digital currency hardware wallet according to at least one embodiment of the present disclosure and its additional aspects. When executed by the processor 710, they can perform one or more steps of the transaction method based on a digital currency hardware wallet according to at least one embodiment of the present disclosure and its additional aspects. The memory 720 and the processor 710 can be interconnected via a bus system and / or other forms of connection mechanisms (not shown). For example, the bus can be a Peripheral Component Interconnect Standard (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0127] For example, processor 710 may be a central processing unit (CPU), a digital signal processor (DSP), or other processing unit with data processing and / or program execution capabilities, such as a field-programmable gate array (FPGA). Processor 710 may be a general-purpose processor or a special-purpose processor, capable of controlling other components in electronic device 700 to perform desired functions.

[0128] Exemplarily, memory 720 may include any combination of one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. Volatile memory may include, for example, random access memory (RAM) and / or cache memory. Non-volatile memory may include, for example, read-only memory (ROM), hard disk, erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), USB memory, flash memory, etc. One or more computer program modules 721 may be stored on the computer-readable storage medium, and processor 710 may run one or more computer program modules 721 to implement various functions of electronic device 700. The computer program modules include multiple computer-executable instructions. Various application programs and various data, as well as various data used and / or generated by the application programs, may also be stored in the computer-readable storage medium.

[0129] For example, electronic device 700 may also include input devices such as touchscreens, touchpads, keyboards, mice, cameras, microphones, accelerometers, and gyroscopes; output devices such as liquid crystal displays, speakers, and vibrators; storage devices such as magnetic tapes and hard disks (HDDs or SDDs); and communication devices such as network interface cards like LAN cards and modems. The communication devices allow electronic device 700 to communicate wirelessly or wiredly with other devices to exchange data and perform communication processing via networks such as the Internet. A drive is connected to the I / O interface as needed. Removable storage media, such as disks, optical disks, magneto-optical disks, and semiconductor memories, are installed on the drive as needed so that computer programs read from them can be installed into the storage device as required.

[0130] For example, the electronic device 700 may further include a peripheral interface (not shown in the figure). This peripheral interface can be of various types, such as a USB interface, a Lightning interface, etc. The communication device can communicate wirelessly with networks and other devices, such as the Internet, intranets and / or wireless networks such as cellular telephone networks, wireless local area networks (LANs) and / or metropolitan area networks (MANs). Wireless communication can use any of a variety of communication standards, protocols, and technologies, including but not limited to Global System for Mobile Communications (GSM), Enhanced Data GSM Environment (EDGE), Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Wi-Fi (e.g., based on IEEE 802.11a, IEEE 802.11b, IEEE 802.11g, and / or IEEE 802.11n standards), Voice over Internet Protocol (VoIP), Wi-MAX, protocols for email, instant messaging, and / or Short Message Service (SMS), or any other suitable communication protocol.

[0131] The electronic device 700 may be, for example, a system-on-a-chip (SoC) or a device including the SoC. For instance, it can be any device such as a mobile phone, tablet, laptop, e-reader, game console, television, digital photo frame, navigator, home appliance, communication base station, industrial controller, server, etc., or any combination of data processing devices and hardware. The embodiments of this disclosure do not limit this. The specific functions and technical effects of the electronic device 700 can be found in the foregoing description of the transaction method based on a digital currency hardware wallet according to at least one embodiment of this disclosure and its additional aspects, which will not be repeated here.

[0132] Figure 8 A schematic diagram of a computer-readable medium 800 according to at least one embodiment of the present disclosure is shown.

[0133] like Figure 8 As shown, a computer-readable medium 800 stores computer instructions 810, which, when executed by a processor, perform one or more steps of the transaction method and its additional aspects based on a digital currency hardware wallet as described above.

[0134] For example, when the program code is read by a computer, the computer can execute the program code stored in the computer storage medium to perform one or more steps to implement, for example, a transaction method based on a digital currency hardware wallet according to at least one embodiment of the present disclosure and its additional aspects.

[0135] For example, the computer-readable medium may include a memory card of a smartphone, a storage component of a tablet computer, a hard disk of a personal computer, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), flash memory, and other computer-readable media or any combination thereof.

[0136] At least some of the embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other.

[0137] It should be noted that, in this document, relational terms such as "first," "second," etc., are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. The terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes the element.

[0138] The following points should be noted regarding this disclosure:

[0139] (1) The accompanying drawings of the embodiments of this disclosure only involve the structures involved in the embodiments of this disclosure. Other structures can be referred to the general design.

[0140] (2) Where there is no conflict, the embodiments of this disclosure and the features in the embodiments can be combined with each other to obtain new embodiments.

[0141] The above description is merely an exemplary embodiment of this disclosure and is not intended to limit the scope of protection of this disclosure, which is determined by the appended claims.

Claims

1. A transaction method based on a digital currency hardware wallet, the method comprising: The mobile communication device, acting as a payment terminal, obtains the capability information of the digital currency hardware wallet during the interaction, and determines whether the digital currency hardware wallet has the ability to receive payments, display information, and connect to the network based on the capability information. In response to the determination that the digital currency hardware wallet has the ability to receive payments and display information, but does not have the ability to connect to the internet, the mobile communication device sends digital currency transaction information to the backend server for transaction processing. The digital currency transaction information is transaction information related to payment to the digital currency hardware wallet, which serves as the receiving terminal. In response to the echo instruction generated by the backend server after performing transaction processing based on the digital currency transaction information, the mobile communication device receives and sends the echo instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays information including transaction amount and balance according to the echo instruction through its display capabilities.

2. The transaction method according to claim 1, wherein, When the capability information includes a payment capability identifier indicating that the digital currency hardware wallet has the ability to receive payments, the mobile communication device sends an instruction to the digital currency hardware wallet to obtain the digital currency transaction information.

3. The transaction method according to claim 1, wherein, When the capability information includes a payment capability identifier indicating that the digital currency hardware wallet has the ability to receive payments and information indicating that the digital currency hardware wallet supports payment addresses, the mobile communication device sends an instruction to the digital currency hardware wallet to obtain a payment address, and generates and sends the digital currency transaction information based on the payment information obtained from the payment address.

4. The transaction method according to claim 2 or 3, wherein, The digital currency hardware wallet performs at least one of the following operations through its display capabilities: clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to a set prompt message.

5. The transaction method according to claim 3, wherein, The receiving address is a URL that can be accessed via the internet to access the payment page.

6. The transaction method according to claim 1, wherein, The digital currency transaction information is encrypted information containing MAC values.

7. The transaction method according to claim 6, wherein, The backend server includes a first server associated with the software wallet of the mobile communication device and a second server associated with the digital currency hardware wallet; The first server performs MAC value verification and decryption on the digital currency transaction information. Based on the identity information of the software wallet and the digital currency hardware wallet in the decrypted transaction information, it determines whether it is an internal transaction of an institution. Based on the determination result, it selects whether the transaction is processed by the first server or by the second server.

8. The transaction method according to claim 7, wherein, The first server performs transaction processing through the following steps: The digital currency transaction information is subjected to MAC value verification and decryption processing; Determine whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information. If the digital currency hardware wallet has receiving permissions, the amount in the software wallet of the mobile communication device will be transferred to the digital currency hardware wallet based on the decrypted transaction information, and a transaction result instruction and echo instruction will be generated and sent to the mobile communication device.

9. The transaction method according to claim 7, wherein, The second server executes transaction processing through the following steps: The digital currency transaction information is subjected to MAC value verification and decryption processing; Determine whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information. If the digital currency hardware wallet has receiving permissions, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and echo instruction are generated and returned to the first server. This causes the first server to correspondingly reduce the balance of the software wallet in the mobile communication device and send the transaction result instruction and echo instruction to the mobile communication device.

10. A transaction system based on a digital currency hardware wallet, the transaction system comprising: Digital currency hardware wallets, mobile communication devices, and backend servers, among which, The digital currency hardware wallet, as a payment terminal, is configured to have payment and display capabilities, but no network connectivity. Based on the echo command, it updates and displays information including transaction amount and balance through its display capabilities. The mobile communication device, acting as a payment terminal, is configured to obtain capability information from the digital currency hardware wallet during interaction; determine, based on the capability information, whether the digital currency hardware wallet possesses payment receiving capability, display capability, and network connectivity capability; in response to the determination that the digital currency hardware wallet possesses payment receiving capability and display capability, and lacks network connectivity capability, send digital currency transaction information to the backend server for transaction processing; and in response to an echo command sent by the backend server, receive and forward the information to the digital currency hardware wallet, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; The backend server is configured to process transactions based on the digital currency transaction information, generate echo instructions, and send them to the mobile communication device.

11. The transaction system according to claim 10, wherein, The mobile communication device is configured to send an instruction to the digital currency hardware wallet to obtain the digital currency transaction information when the capability information includes a receiving capability identifier indicating that the digital currency hardware wallet has the ability to receive payments.

12. The transaction system according to claim 10, wherein, The mobile communication device is configured to send an instruction to the digital currency hardware wallet to obtain a receiving address when the capability information includes a receiving capability identifier indicating that the digital currency hardware wallet has the ability to receive payments and information indicating that the digital currency hardware wallet supports receiving addresses, and to generate and send digital currency transaction information based on the payment information obtained through the receiving address.

13. The transaction system according to claim 11 or 12, wherein, The digital currency hardware wallet is configured to perform at least one of the following operations through its display capabilities: clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to a set prompt message.

14. The transaction system according to claim 12, wherein, The receiving address is a URL that can be accessed via the internet to access the payment page.

15. The transaction system according to claim 10, wherein, The digital currency transaction information is encrypted information containing MAC values.

16. The transaction system according to claim 15, wherein, The backend server includes a first server associated with the software wallet of the mobile communication device and a second server associated with the digital currency hardware wallet; The first server is configured to determine whether a transaction is an internal transaction based on the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and select whether to execute the transaction processing by the first server or the second server based on the determination result.

17. The transaction system according to claim 16, wherein, The first server is configured to perform transaction processing through the following steps: The digital currency transaction information is subjected to MAC value verification and decryption processing; Determine whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information. If the digital currency hardware wallet has receiving permissions, the amount in the software wallet of the mobile communication device will be transferred to the digital currency hardware wallet based on the decrypted transaction information, and a transaction result instruction and echo instruction will be generated and sent to the mobile communication device.

18. The transaction system according to claim 16, wherein, The second server is configured to perform transaction processing through the following steps: The digital currency transaction information is subjected to MAC value verification and decryption processing; Determine whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information. If the digital currency hardware wallet has receiving permissions, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and echo instruction are generated and returned to the first server. This causes the first server to correspondingly reduce the balance of the software wallet in the mobile communication device and send the transaction result instruction and echo instruction to the mobile communication device.

19. An electronic device, wherein, The electronic device includes: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-9.

20. A computer-readable medium having a computer program stored thereon, wherein, When the program is executed by the processor, it implements the method as described in any one of claims 1-9.

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