Digital currency payment method, chip, device and system

Abstract

The invention discloses a digital currency payment method, chip, device and system, and relates to the technical field of digital currency. A specific embodiment of the method is applied to a chip comprising a security element, a first communication component and a second communication component, the security element is used for opening a digital currency hard wallet, a communication protocol adopted by the first communication component comprises a near field communication protocol and / or a confinement communication protocol, and the second communication component is used for opening a digital currency hard wallet. A communication protocol adopted by the second communication component comprises a Bluetooth communication protocol; the method further comprises the following steps: receiving hard wallet opening data sent by the digital currency client by using the second communication component, and opening a digital currency hard wallet in the secure element; and receiving the payment request by using the first communication component, and performing the digital currency transaction. According to the embodiment, the problem of application limitation existing in near field communication payment is solved, and the application scene of near field communication payment is effectively expanded.

Description

Technical Field

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

[0002] At present, payments based on near-field communications such as NFC and RCC mainly rely on the near-field communication components of mobile terminal devices such as mobile phones and smart watches. However, on the one hand, for mobile terminals without near-field communication components, such as Android phones without NFC functions, near-field communication payments cannot be used; on the other hand, the protocol interfaces opened by the near-field communication components of mobile terminals are relatively limited. For example, for mobile phones using the iOS system, for new scenarios such as digital currency payment scenarios, the near-field communication components of mobile terminal devices need to be specially modified to realize near-field communication transactions of digital currencies. Therefore, the existing near-field communication payment methods still have certain application limitations. Summary of the invention

[0003] In view of this, the embodiments of the present invention provide a digital currency payment method, chip, device and system, which solve the problem of application limitations of near-field communication payment and effectively expand the application scenarios of near-field communication payment.

[0004] To achieve the above object, according to one aspect of an embodiment of the present invention, a digital currency payment method is provided.

[0005] Applied to a chip including a security element, a first communication component and a second communication component, the security element is used to open a digital currency hard wallet, wherein the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the method includes:

[0006] Using the second communication component to receive hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the security element;

[0007] The first communication component is used to receive a payment request and conduct a digital currency transaction.

[0008] Optionally, the digital currency payment method provided in the first aspect above further includes:

[0009] Using the second communication component to receive an authorization authentication request sent by a digital currency client, generating an authorization authentication random number for the authorization authentication request, and sending the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number;

[0010] The authorization authentication data sent by the digital currency client is verified by the second communication component. If the verification passes, the digital currency client is determined to be an authorized digital currency client, and the step of receiving the hard wallet opening data sent by the digital currency client is performed.

[0011] Optionally, the step of opening a digital currency hard wallet in the security element comprises:

[0012] Decrypting the hard wallet opening data using the second communication component, and transmitting the decrypted hard wallet opening data to the security element, the opening data including the opening execution instruction and the personalization data;

[0013] The security element is used to parse and execute the issuance execution instruction, and the personalized data is stored.

[0014] Optionally, the digital currency payment method provided in the first aspect embodiment further includes:

[0015] Providing link information of the second communication component to the first terminal device where the digital currency client is located;

[0016] In response to a triggering operation on the link information, a Bluetooth communication connection is established between the second communication component and the digital currency client.

[0017] Optionally, the receiving the payment request by using the first communication component includes:

[0018] Intercept the interactive information sent externally;

[0019] In the case where the intercepted interaction information is a payment request, the first communication component is called to transmit the payment request to the security element.

[0020] Optionally, the digital currency hard wallet includes a first mode and a second mode, wherein the first mode indicates that transactions are performed using the coin string information stored in the digital currency hard wallet, and the second mode indicates that transactions are performed based on a digital currency account associated with the digital currency hard wallet;

[0021] The using the first communication component to receive a payment request and conduct a digital currency transaction includes:

[0022] When the digital currency hard wallet is in the first mode, use the coin string information indicating the amount of digital currency stored in the digital currency hard wallet in the first mode to conduct digital currency transactions;

[0023] When the digital currency hard wallet is in the second mode, the payment request is sent to the digital currency server through the Bluetooth communication channel between the second communication component and the digital currency client and the digital currency client, so that the digital currency server performs a digital currency transaction based on the payment request and the digital currency account associated with the digital currency hard wallet.

[0024] Optionally, the digital currency payment method provided in the first aspect embodiment further includes:

[0025] In the case where the digital currency hard wallet in the first mode belongs to the first type of hard wallet, in response to a binding trigger, binding a digital currency client to the digital currency hard wallet, so that the digital currency hard wallet is converted into a second type of hard wallet, wherein the first type of hard wallet indicates that no digital currency client is bound, and the second type of hard wallet indicates that a digital currency client is bound;

[0026] In response to receiving the mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

[0027] Optionally, after receiving the payment request by using the first communication component, the method further includes:

[0028] When the digital currency hard wallet is in the first mode,

[0029] Determine whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset number threshold; if so, synchronize data with the digital currency server through the Bluetooth communication channel and the digital currency client; after the data synchronization is successful, receive and store new coin string information sent by the digital currency server through the Bluetooth communication channel and the digital currency client, and clear invalid data; otherwise, execute the digital currency transaction using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet.

[0030] Optionally, the using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet to conduct digital currency transactions includes:

[0031] Generate a first temporary random number using the security element, and obtain target coin string information matching the payment request from the digital currency hard wallet;

[0032] Generate a coin string key using the first temporary random number, the payer factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee;

[0033] The coin string key is encrypted using the payment receiving end public key included in the payment request, and the target coin string information is encrypted using the coin string secret key;

[0034] Generate first payment information including the encrypted coin string key and the encrypted target coin string information;

[0035] The first communication component is used to send the first payment information to a payment receiving end corresponding to the payment request, so as to conduct a transaction based on the first payment information.

[0036] Optionally, before sending the first payment information to a payment receiving end corresponding to the payment request, the method further includes:

[0037] Determining whether the amount of money received indicated by the payment request exceeds a preset payment threshold;

[0038] If it is determined that the amount of money received indicated by the payment request exceeds a preset payment threshold, adding the encrypted payment password to the first payment information, and sending the first payment information with the payment password added to the payment terminal, so as to conduct a transaction based on the first payment information with the payment password added;

[0039] When it is determined that the payment amount indicated by the payment request does not exceed a preset payment threshold, the first payment information is directly sent to the payment receiving end corresponding to the payment request.

[0040] In a second aspect, an embodiment of the present invention provides a digital currency payment method.

[0041] Applied to a digital currency client, wherein the digital currency client and a digital currency payment chip including a security element, a first communication component and a second communication component are installed in a first terminal device, wherein the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the digital currency payment method includes:

[0042] Establishing a Bluetooth communication connection between the first terminal device and the second communication component;

[0043] Send a registration request for a digital currency hard wallet to the trusted service management platform;

[0044] Receiving hard wallet opening data sent by the trusted service management platform;

[0045] The hard wallet opening data is sent to the security element through the Bluetooth communication connection to open a digital currency hard wallet in the security element; and the digital currency hard wallet in the digital currency payment chip performs digital currency transactions based on the first communication component.

[0046] Optionally, the digital currency payment method provided in the second aspect embodiment further includes:

[0047] Sending an authentication request to the second communication component via the Bluetooth communication connection, and receiving an authentication random number for the authentication request;

[0048] Authentication data is generated based on the authentication random number, and the authentication data is sent to the second communication component through the Bluetooth communication connection, so that the second communication component verifies the authentication data, and when the verification passes, the security element parses and executes the opening execution instruction included in the opening data, and stores the personalized data included in the opening data.

[0049] Optionally, the digital currency payment method provided in the second aspect embodiment further includes:

[0050] receiving a payment request sent by the digital currency hard wallet in the second mode through the second communication component;

[0051] Generate second payment information corresponding to the payment request, and send the second payment information to the digital currency server, so that the digital currency server performs a digital currency transaction based on the second payment information.

[0052] Optionally, the digital currency payment method provided in the second aspect embodiment further includes:

[0053] Establishing an account association relationship with the digital currency hard wallet;

[0054] When the digital currency hard wallet is in the second mode, based on the account association relationship, the coin string information is shared with the digital currency hard wallet in the security element.

[0055] Optionally, establishing a Bluetooth communication connection based on the first terminal device and the second communication component includes:

[0056] In response to a trigger for opening a hard wallet, determining whether the operating system carried by the first terminal device is a target system, wherein a communication protocol interface of the target system corresponding to the first communication component is not open to the outside;

[0057] When it is determined that the first terminal device is the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component.

[0058] Optionally, the digital currency payment method provided in the second aspect embodiment further includes:

[0059] Receiving prompt information indicating a networking operation sent by the digital currency payment chip, so that the operator can establish a communication connection between the digital currency client and the trusted service management platform based on the prompt information;

[0060] Based on the communication connection, data is synchronized between the digital currency payment chip and the trusted service management platform, and after the data synchronization is successful, the new coin string information sent by the trusted service management platform is sent to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and cleans up invalid data.

[0061] Optionally, the digital currency payment method provided in the second aspect embodiment further includes:

[0062] In response to a loss report operation sent by a second terminal device for the digital currency hard wallet, a loss report request is generated to a trusted service management platform, so that the trusted service management platform performs a loss report on the digital currency hard wallet to prohibit payment with the digital currency hard wallet, wherein the digital currency client of the second terminal device is logged in to an account associated with the digital currency hard wallet.

[0063] In a third aspect, an embodiment of the present invention provides a digital currency payment chip, including a security element, a first communication component and a second communication component, wherein:

[0064] The communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol; and is used to receive a payment request;

[0065] The communication protocol adopted by the second communication component includes a Bluetooth communication protocol; used to receive hard wallet opening data sent by the digital currency client;

[0066] The security element is used to open a digital currency hard wallet based on the hard wallet opening data, and to perform digital currency transactions using the first communication component based on the payment request.

[0067] In a fourth aspect, an embodiment of the present invention provides a digital currency payment device, wherein the digital currency payment device and a digital currency payment chip including a security element, a first communication component and a second communication component are installed in a first terminal device, the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the digital currency payment device establishes a Bluetooth communication connection with the second communication component based on the first terminal device, and the digital currency payment device includes: a registration module and an account management module, wherein,

[0068] The registration module is used to send a registration request for the digital currency hard wallet to an authorized trusted service management platform; and receive hard wallet opening data sent by the trusted service management platform;

[0069] The account management module is used to send the hard wallet opening data to the security element through the Bluetooth communication connection to open a digital currency hard wallet in the security element; and enable the digital currency hard wallet in the digital currency payment chip to perform digital currency transactions based on the first communication component.

[0070] In a fifth aspect, an embodiment of the present invention provides a digital currency payment system, comprising: a payment terminal, a digital currency payment chip provided by the embodiment of the third aspect above, and a digital currency payment device provided by the embodiment of the fourth aspect above, wherein:

[0071] The digital currency payment chip and the digital currency client are installed in the first terminal device;

[0072] The digital currency hard wallet in the digital currency payment chip is opened based on the Bluetooth communication connection between the second communication component included therein and the digital currency client;

[0073] The payment receiving end is used to provide a payment request to the digital currency payment chip through near field communication with the first communication component included in the digital currency payment chip;

[0074] The digital currency payment chip is used to conduct digital currency transactions based on the payment request.

[0075] In a sixth aspect, an embodiment of the present invention provides an electronic device, comprising: a digital currency payment chip provided in the embodiment of the third aspect above and a digital currency client including the digital currency payment device provided in the embodiment of the fourth aspect.

[0076] In the seventh aspect, an embodiment of the present invention provides a computer-readable medium having a computer program stored thereon, which, when executed by a processor, implements the steps involving program execution logic included in the method of the first aspect embodiment above or the steps involving program execution logic included in the method of the second aspect embodiment above.

[0077] One embodiment of the above invention has the following advantages or beneficial effects: the digital currency payment method provided by the embodiment of the present invention establishes a Bluetooth communication connection between a second communication component that can adopt the Bluetooth communication protocol included in a digital currency payment chip (hereinafter referred to as the chip) and an authorized digital currency client, so that the authorized digital currency client can open a digital currency hard wallet in the security element included in the chip. Subsequently, the chip receives a payment request through a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol to conduct a digital currency transaction, that is, the near-field communication transaction of digital currency is realized through the first communication component of the chip. Since the chip itself has a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol, when the chip is applied to a mobile terminal, it can solve the near-field payment problem of a mobile terminal without a near-field communication function or a mobile terminal whose near-field communication interface is not open to the outside world. Therefore, the solution provided by the embodiment of the present invention solves the problem of application limitations of near-field communication payment and effectively expands the application scenarios of near-field communication payment.

[0078] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner. BRIEF DESCRIPTION OF THE DRAWINGS

[0079] The accompanying drawings are used to better understand the present invention and do not constitute an improper limitation of the present invention.

[0080] Figure 1 It is a schematic diagram of the main process of a digital currency payment method provided according to an embodiment of the present invention;

[0081] Figure 2 is a schematic diagram of the main process of a digital currency payment method provided according to another embodiment of the present invention;

[0082] Figure 3 This is a schematic diagram of the structure of the main components of the digital currency payment chip provided in accordance with an embodiment of the present invention;

[0083] Figure 4 This is a schematic diagram of the main process of a digital currency payment method applied to a digital currency client according to an embodiment of the present invention;

[0084] Figure 5 is a schematic diagram of the structure of a digital currency payment device provided according to an embodiment of the present invention;

[0085] Figure 6 This is a schematic diagram of the structure of a digital currency payment system provided according to an embodiment of the present invention;

[0086] Figure 7 It is a schematic diagram of the main flow of the process of registering and opening a digital currency hard wallet in a digital currency payment method in a near field communication scenario provided according to an embodiment of the present invention;

[0087] Fig. 8A It is a schematic diagram of a part of the main process of a single offline digital currency payment method in a near field communication scenario provided in accordance with an embodiment of the present invention;

[0088] Figure 8B is a schematic diagram of another part of the main process of the single offline digital currency payment method in the near field communication scenario provided by an embodiment of the present invention;

[0089] Figure 8C is a schematic diagram of another part of the main process of the single offline digital currency payment method in the near field communication scenario provided by an embodiment of the present invention;

[0090] Fig. 9 It is a schematic diagram of the main process of the dual offline digital currency payment method in the near field communication scenario provided according to an embodiment of the present invention;

[0091] Fig.10 is a schematic diagram of the main process of a digital currency payment method in a near field communication scenario provided according to another embodiment of the present invention;

[0092] Fig.11 is an exemplary system architecture diagram to which embodiments of the present invention may be applied;

[0093] Fig.12 It is a structural diagram of a computer system of a first terminal device or a digital currency server suitable for implementing an embodiment of the present invention. DETAILED DESCRIPTION

[0094] The following is a description of exemplary embodiments of the present invention in conjunction with the accompanying drawings, including various details of the embodiments of the present invention to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for clarity and conciseness, the description of well-known functions and structures is omitted in the following description.

[0095] In the near-field communication transaction scenarios involved in existing digital currency applications, it is generally necessary to use the near-field communication functions of mobile terminal devices, such as NFC (Near Field Communication) and RCC (Range Controlled Communication). However, for mobile terminals without these functions, such as Android phones without NFC functions, or mobile terminals that have these functions but do not open near-field communication interfaces to the outside world, such as mobile phones using the iOS system, near-field communication cannot be used to complete digital currency payments. As a result, digital currency payments in near-field communication scenarios have certain usage limitations.

[0096] In order to solve the problem of usage limitations of digital currency payment in the above-mentioned near-field communication scenario, an embodiment of the present invention provides a digital currency payment method, chip, digital currency payment device and system.

[0097] Figure 1 The main flow diagram of a digital currency payment method according to an embodiment of the present invention is shown in FIG. The digital currency payment method is applied to a chip including a security element, a first communication component and a second communication component, wherein the security element is used to open a digital currency hard wallet, the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol. Specifically, Figure 1 As shown, the digital currency payment method may include the following steps:

[0098] Step S101: using the second communication component to receive hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the security element;

[0099] Step S102: Utilize the first communication component to receive a payment request and conduct a digital currency transaction.

[0100] Among them, the above-mentioned security elements have relatively high security levels, confidentiality and storage functions, which can be used to store digital currency hard wallets, account information, transaction records of digital currency hard wallets, etc.

[0101] Among them, the first communication component of the chip that implements the digital currency payment method provided by the embodiment of the present invention can be a component that can realize NFC (Near Field Communication) or a component that can realize RCC (Range Controlled Communication, near field communication realized by using the 2.45 GHz frequency band combined with low-frequency magnetism) function.

[0102] The second communication component of the chip may be a physical module, component, chip, etc. that can adopt the Bluetooth communication protocol in the prior art.

[0103] Among them, the security element has a relatively high security. The personalized data and coin string information related to the digital currency hard wallet stored in it are not allowed to be read by external devices, and it generally interacts with the authorized digital currency client or the digital currency client with account association by means of the Bluetooth communication connection of the first communication component. The function of the security element can be implemented based on an embedded programmable logic controller. The embedded programmable logic controller prohibits unauthorized devices from reading its internal information, and the key negotiation with the other device using the private key involved in the digital currency payment, the generation of process keys, and the encryption, decryption, data signature, verification signature and other calculation processes of the communication data are all completed inside the programmable logic controller, which can ensure the security of the key information.

[0104] Generally speaking, the chip including the security element, the first communication component and the second communication component can be used as a part of a subscriber identity module (SIM card), which is installed in a mobile terminal, and the mobile terminal is used as a carrier of the chip, and the chip including the security element, the first communication component that can adopt the near field communication protocol and / or the limited domain communication protocol, and the second communication component that can adopt the Bluetooth communication protocol are used for digital currency payment. It is worth noting that no matter whether the mobile terminal is in a powered state, a powerless state, a powered-off state, a networked state, a disconnected state, a mobile terminal failure state, etc., the chip including the security element and the first communication component in the SIM card installed in the mobile terminal can be used to execute the steps of completing the digital currency payment in the digital currency payment method provided in the embodiment of the present invention.

[0105] In addition, optionally, the chip of the first communication component and the second communication component for implementing the digital currency payment method provided in the embodiment of the present invention, including a security element, a near-field communication protocol and / or a limited-domain communication protocol, can also be independently packaged in a shell and used as an independent mobile payment card.

[0106] against Figure 1The technical solution given in the provided embodiment establishes a Bluetooth communication connection between a second communication component that can adopt the Bluetooth communication protocol included in a digital currency payment chip (hereinafter referred to as the chip) and an authorized digital currency client, so that the authorized digital currency client can open a digital currency hard wallet in the security element included in the chip. Subsequently, the chip receives a payment request through a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol to conduct digital currency transactions, that is, near-field communication transactions of digital currency are realized through the first communication component of the chip. Since the chip itself has a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol, when the chip is applied to a mobile terminal, it can solve the near-field payment problem of a mobile terminal without a near-field communication function or a mobile terminal whose near-field communication interface is not open to the outside world. Therefore, the solution provided in the embodiment of the present invention solves the problem of application limitations of near-field communication payment and effectively expands the application scenarios of near-field communication payment.

[0107] Furthermore, the above-mentioned digital currency payment method also includes: using the second communication component to receive an authorization authentication request sent by the digital currency client, generating an authorization authentication random number for the authorization authentication request, and sending the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number; using the second communication component to verify the authorization authentication data sent by the digital currency client, and if the verification passes, determining that the digital currency client is an authorized digital currency client, and executing the step of receiving the hard wallet opening data sent by the digital currency client.

[0108] That is, before executing the above step S101, the digital currency client needs to be verified to ensure that the digital currency client has the authority to send hard wallet opening data or enable the security element to open a digital currency hard wallet, that is, to verify that the digital currency client is a client authorized by the trusted service management platform, so as to standardize the management of opening a digital currency hard wallet and a digital currency client in the chip, and ensure the security and reliability of the opened digital currency hard wallet.

[0109] Among them, the process of the digital currency client generating authorization authentication data based on the authorization authentication random number can adopt the algorithm pre-agreed between the authorized digital currency client and the chip or the algorithm configured by the trusted service management platform for the authorized digital currency client, and calculate the authorization data through the algorithm and the authorization authentication random number. In addition, the algorithm can also be set in the security element of the chip, which will also calculate the authorization data through the algorithm and the authorization authentication random number. If the authorization data calculated by the chip is consistent with the authorization data calculated by the digital currency client, the digital currency client is determined to be an authorized digital currency client. The reliability of the digital currency client interacted with by the chip is guaranteed through this verification process, so as to ensure the security, reliability and legality of the opened digital currency hard wallet.

[0110] Specifically, the specific implementation of opening a digital currency hard wallet in a security element may include: using a second communication component to decrypt the hard wallet opening data, and transmitting the decrypted hard wallet opening data to the security element, the opening data includes an opening execution instruction and personalized data; using the security element to parse and execute the opening execution instruction, and store the personalized data. That is, through the Bluetooth communication channel established between the second communication component that can adopt the Bluetooth communication protocol and the authorized digital currency client, the opening execution instruction and personalized data can be transmitted to the security element to open a digital currency hard wallet in the security element. Among them, the personalized data includes but is not limited to any one or a combination of multiple information in the account information, coin string information, associated accounts, user information, etc. of the digital currency hard wallet. Decrypting the hard wallet opening data by the second communication component can ensure the security of the transmitted hard wallet opening data, while enabling the second communication component to share the non-payment functions of the security element.

[0111] Furthermore, in an embodiment of the present invention, the digital currency payment method may further include the second communication component establishing a Bluetooth communication connection with the digital currency client. Specifically, the process of establishing the Bluetooth communication connection may include: providing the link information of the second communication component to the first terminal device where the digital currency client is located; in response to the triggering operation of the link information, establishing a Bluetooth communication connection between the second communication component and the authorized digital currency client. The link information of the second communication component may be a combination value of the device name and ID of the second communication component. Providing the link information facilitates user operation.

[0112] Specifically, the above-mentioned process of opening a digital currency hard wallet in the security element included in the chip based on the Bluetooth communication connection between the second communication component and the authorized digital currency client mainly includes: when the chip including the security element, the first communication component and the second communication component and the digital currency client (the digital currency client is generally a client authorized by the trusted service management platform) are installed on the same first terminal device, the user operates the first terminal device or the digital currency client and uses the Bluetooth function of the first terminal device to establish a Bluetooth communication channel between the authorized digital currency client and the chip. Subsequently, the user calls the trusted service management platform (Trusted Service Manager) authorized by the central bank by operating the digital currency client to apply for and register a digital currency hard wallet for the chip (that is, to open a digital currency hard wallet for the security element), wherein the application and registration process may include: the authorized digital currency client sends a registration request to the trusted service management platform, the trusted service management platform establishes an association relationship (such as a binding relationship, a management relationship, etc.) between the digital currency client and the chip, and transmits the account information corresponding to the digital currency hard wallet and other personalized data related to the opening of the hard wallet to the security element through the authorized digital currency client to open a digital currency hard wallet in the security element. Among them, the trusted service management platform authorized by the central bank generally refers to the platform or server authorized by the central bank for secondary banking institutions to manage digital currency accounts.

[0113] In addition, in the embodiment of the present invention, the specific implementation of the above-mentioned use of the first communication component to receive the payment request may include: intercepting the interactive information sent externally; when the intercepted interactive information is a payment request, calling the first communication component to transmit the payment request to the security element. The first communication component is controlled to be used only for digital currency payment communication, and no other communication is performed, so as to avoid obtaining the information of the digital currency hard wallet in the chip, such as account information, through the first communication component, so that the digital currency payment realized by the above-mentioned chip ensures the security of personal information while effectively protecting the legitimacy and security of the digital currency transaction process.

[0114] Further, in order to achieve a better user experience for the digital currency hard wallet opened by the security element in the chip. The digital currency hard wallet opened by the security element may include a first mode and a second mode, wherein the first mode indicates the use of the coin string information stored in the digital currency hard wallet for transactions, and the second mode indicates the use of the digital currency account associated with the digital currency hard wallet for transactions; accordingly, the specific implementation of receiving the payment request using the first communication component and conducting digital currency transactions may include: when the digital currency hard wallet is in the first mode, the coin string information indicating the amount of digital currency stored in the first mode digital currency hard wallet is used for digital currency transactions; when the digital currency hard wallet is in the second mode, the payment request is sent to the digital currency server through the Bluetooth communication channel between the second communication component and the digital currency client and the digital currency client, so that the digital currency server performs digital currency transactions based on the payment request and the digital currency account associated with the digital currency hard wallet. By setting the first mode and the second mode for the digital currency hard wallet, it is convenient for users to flexibly choose the use method of the digital currency hard wallet, so as to meet the differentiated needs of different users for the digital currency hard wallet and improve the practicality of the digital currency hard wallet.

[0115] In addition, through the second mode of the digital currency hard wallet, the digital currency hard wallet can share the coin string information stored by the digital currency client with the digital currency client based on the associated account, so that the digital currency hard wallet and its parent wallet (for example, the parent wallet can be the digital currency wallet of the digital currency client) share the balance, and there is no need to recharge the digital currency hard wallet separately, making payment more convenient and easy to use.

[0116] Furthermore, two types of hard wallets can be set for the first type of hard wallet of the above-mentioned digital currency, wherein the first type of hard wallet indicates that the digital currency client is not bound, and the second type of hard wallet indicates that the digital currency client is bound. For the digital currency hard wallet belonging to the first type of hard wallet, it can only use the first mode for digital currency payment and cannot switch to the above-mentioned second mode. Only the digital currency hard wallet belonging to the second type of hard wallet can switch between the first mode and the second mode. Specifically, the above-mentioned digital currency payment method may further include: in the case where the digital currency hard wallet in the first mode belongs to the first type of hard wallet, in response to the binding trigger, the digital currency client is bound to the digital currency hard wallet, so that the digital currency hard wallet is converted to the second type of hard wallet; in response to receiving the mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

[0117] Through the above process, the hard wallet belonging to the first category (i.e., the hard wallet of the quasi-account) can be bound to the digital currency client, so that the digital currency hard wallet can use the second mode, so as to facilitate the user to flexibly select the required mode or hard wallet type according to needs, thereby improving the user experience.

[0118] Furthermore, after the payment request is received using the first communication component as mentioned above, it also includes: when the digital currency hard wallet is in the first mode, determining whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset threshold number, and if so, synchronizing data with the digital currency server through the Bluetooth communication channel and the digital currency client; after the data synchronization is successful, receiving and storing new coin string information sent by the digital currency server through the Bluetooth communication channel and the digital currency client, and clearing invalid data; otherwise, executing digital currency transactions using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet.

[0119] The number threshold can be set according to actual needs.

[0120] Among them, the above-mentioned new coin string information can be to replace the original coin string information indicating small amounts (such as 50 cents, 1 yuan, etc.) in the digital currency hard wallet with one or more larger amounts (such as 5 yuan, 10 yuan, 20 yuan, etc.) coin string information (that is, to merge the original small-denomination coin strings in the digital currency hard wallet into large-denomination coin strings), or to add new coin string information to the digital currency hard wallet (that is, to increase the amount of digital currency stored in the digital currency hard wallet).

[0121] The source of the coin string information in the digital currency hard wallet in the first mode is generally: the user operates the authorized digital currency client installed in the first terminal device, transmits the coin string information to the security element in the chip through the authorized digital currency client, and the security element stores the coin string information, that is, the coin string information in the digital currency hard wallet is obtained. The coin string information transmitted by the authorized digital currency client can be part of the coin string information stored by the authorized digital currency client, or it can be the coin string information applied to the digital currency server and derived from other digital currency account transfers.

[0122] Among them, the coin string information is an important part of the digital currency information certified by the authoritative national department. In addition to indicating the amount, it can also indicate account information, etc. In the authentication process of the coin string information participating in the payment, it has a high degree of confidentiality, timeliness, uniqueness and non-repudiation. In the transaction link, it can effectively ensure the authenticity and legality of the users of digital currency payments and prevent it from being used for illegal activities.

[0123] By limiting the number of consecutive transactions of the digital currency hard wallet, on the one hand, frequent transactions caused by the loss of the digital currency hard wallet can be avoided, so as to further ensure the security of the digital currency hard wallet. On the other hand, after the number of consecutive transactions of the digital currency hard wallet exceeds the preset number threshold, the digital currency server updates the coin string information for the digital currency hard wallet and cleans up invalid data, so that the coin string information in the digital currency hard wallet can be updated in time and invalid data can be cleaned up, so as to avoid the invalid data occupying the chip space and affecting the digital currency payment efficiency.

[0124] Furthermore, if Figure 2 As shown, for a digital currency hard wallet in the first mode, the specific implementation method of using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet to perform digital currency transactions may include the following steps:

[0125] Step S201: Generate a first temporary random number using a security element, and obtain account information and target coin string information matching the payment request from a digital currency hard wallet;

[0126] Step S202: Generate a coin string key using the first temporary random number, the payer factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee;

[0127] Step S203: Encrypt the coin string key using the payment receiving end public key included in the payment request, and encrypt the target coin string information using the coin string secret key;

[0128] Step S204: Generate first payment information including the encrypted coin string key and the encrypted target coin string information;

[0129] Step S205: using the first communication component to send the first payment information to the payment receiving end corresponding to the payment request, so as to conduct a transaction based on the first payment information.

[0130] Among them, the first temporary random number can be generated by the security element according to a pre-configured first temporary random number generation method. The first temporary random number is random, that is, by introducing the first temporary random number into the encrypted information, even if the encrypted information is hijacked, due to the existence of the first temporary random number, the difficulty and complexity of decrypting the encrypted information to obtain valid information are increased, thereby improving the reliability and security of the digital currency payment method provided in the embodiment of the present invention.

[0131] In addition, the payer factor stored in the above security element is automatically assigned to the digital currency hard wallet by the payer hardware device for each transaction. The payee factor included in the payment request is automatically assigned to the payee by the payee hardware device for each transaction.

[0132] The above-mentioned steps of generating a coin string key enable the digital currency hard wallet of the chip to generate a coin string key each time a digital currency transaction is performed in the first mode, that is, the coin string key is generated for one transaction of the digital currency hard wallet in the first mode, and the target coin string information is subsequently encrypted by the coin string key to ensure the security of the target coin string information.

[0133] The coin string key is encrypted by using the public key of the payee to ensure the security of the coin string key transmission process. In addition, the payee can subsequently use its own private key to decrypt the encrypted coin string key to obtain the coin string key, and then the payee uses the coin string key to decrypt the encrypted target coin string information to obtain the target coin string information, so as to complete the digital currency transaction between the digital currency hard wallet in the first mode and the payee, and can effectively improve the security and reliability of the digital currency transaction process.

[0134] Among them, in the case where there are two types of digital currency hard wallets in the first mode, the digital currency hard wallet belonging to the second type of hard wallet (the second type of hard wallet indicates that it is bound to a digital currency client) can use the above Figure 2 The technical solution provided interacts with the payment terminal to conduct digital currency transactions.

[0135] In addition, for the above Figure 2 The technical solution given is that the payment end can also be in an offline state (that is, the communication between the payment end and the digital currency server is interrupted), so that the technical solution can realize digital currency transactions in a dual offline state (communication between the chip and the digital currency client is interrupted and the payment end is also in an offline state), and while ensuring the normal completion of digital currency transactions in the dual offline state, the transaction process has higher security and reliability.

[0136] It is worth noting that when the digital currency hard wallet is in the second mode or the digital currency hard wallet is in the first mode and the digital currency hard wallet belongs to the first type of hard wallet (the first type of hard wallet indicates that it is not bound to a digital currency client), during the transaction process using the digital currency hard wallet, a preset key (the private key-public key of the agreement between the digital currency hard wallet and the digital currency server, and between the payment terminal and the digital currency server) is generally used to encrypt information involved in the transaction process, such as transaction coin string information, account information, etc.

[0137] In addition, the digital certificate authentication technology of domestic cryptographic algorithms can also be used to ensure the legitimacy of the identity of visitors (such as digital currency clients, payment terminals, etc.) to prevent the preset keys from being illegally stolen or tampered with.

[0138] Among them, the transaction based on the first payment information is essentially that the payment terminal sends the first payment information or the information that needs to be verified in the first payment information to the digital currency server, the digital currency server verifies the first payment information, and performs transaction operations, transaction records, etc. based on the first payment information.

[0139] It is worth mentioning that the information transmitted between the payment terminal and the digital currency server is also encrypted to ensure the security of the transmitted information.

[0140] It is worth noting that the "first payment information" involved in the embodiment of the present invention and the "second payment information" described below are for distinguishing different payment information, rather than limiting the order, number, etc. of the payment information.

[0141] Furthermore, the specific implementation of the above-mentioned acquisition of the target coin string information matching the payment information from the digital currency hard wallet may include: splitting and / or merging one or more coin string information contained in the digital currency hard wallet to obtain the target coin string information matching the payment information. Wherein, splitting and / or merging one or more coin string information contained in the digital currency hard wallet may specifically be merging multiple coin string information indicating small amounts into one coin string information indicating the full denomination, or splitting one or more coin string information into multiple coin string information indicating small denominations, for example, merging five coin string information indicating 2 yuan into one coin string information indicating 10 yuan, and for another example, splitting one coin string information indicating 10 yuan into two coin string information indicating 2 yuan, one coin string information indicating 5 yuan, and one coin string information indicating 1 yuan, etc. Wherein, the strategy for splitting and merging the coin string information can be set according to demand.

[0142] In an embodiment of the present invention, before sending the first payment information to the payment receiving end corresponding to the payment request, it also includes: judging whether the payment amount indicated by the payment request exceeds the preset payment threshold; if it is judged that the payment amount indicated by the payment request exceeds the preset payment threshold, adding the encrypted payment password to the first payment information, and sending the first payment information with the payment password added to the payment receiving end, so as to conduct a transaction based on the first payment information with the payment password added; if it is judged that the payment amount indicated by the payment request does not exceed the preset payment threshold, directly sending the first payment information to the payment receiving end corresponding to the payment request. Among them, the payment threshold can be set according to user needs to avoid malicious transfers caused by the loss of the digital currency hard wallet, so as to further improve the security of the digital currency hard wallet.

[0143] Among them, when it is determined that the collection amount indicated by the collection information exceeds a preset payment threshold, a password input interface is provided to the mobile first terminal device so that the user can enter the payment password in the password input interface; the above-mentioned provision of the password input interface to the mobile first terminal device can be connected to the second communication component of the first terminal device through the second communication component of the chip, and the password input interface is provided to the first terminal device through the second communication component, and the payment password is provided to the security element of the chip through the second communication component.

[0144] The above-mentioned offline transaction refers to the situation where the communication between the digital currency client of the terminal device and the digital currency server is interrupted.

[0145] Through the above scheme, a payment password is added to the payment information that exceeds the preset payment threshold, which enables the digital currency hard wallet to make large payments while further improving the security and reliability of payment.

[0146] In addition, the above chip can also update the coin string information and transaction records contained in the digital currency hard wallet when the digital currency client is connected to the Internet. Among them, the fields that can be included in the transaction record generally include the transmission wallet ID, transaction time ciphertext, transaction amount, payee information, etc. as needed. Among them, updating the coin string information and transaction records contained in the digital currency hard wallet can be to merge or split the coin string information, delete the transaction record, etc., to achieve standardized management of the coin string information and transaction records in the digital currency hard wallet, and avoid the problem of insufficient storage space caused by too much coin string information and transaction records stored in the security element.

[0147] In an embodiment of the present invention, the digital currency payment method may further include: storing a transaction record matching the payment information and the target coin string information in the security element. By storing the transaction record matching the payment information and the target coin string information, the transaction can be traceable even if the transaction is conducted offline.

[0148] It is worth noting that the trusted service management platform involved in the embodiments of the present invention generally refers to a platform for managing digital currency accounts.

[0149] It is worth explaining the relationship between the above-mentioned Bluetooth communication connection and the Bluetooth communication channel: the digital currency payment chip and the Bluetooth component of the terminal device establish a Bluetooth communication channel between the digital currency payment chip and the digital currency client through the Bluetooth communication connection to transmit data between the digital currency payment chip and the digital currency client.

[0150] The digital currency server generally refers to the server or platform that supports digital currency transactions.

[0151] Furthermore, if Figure 3As shown, an embodiment of the present invention provides a digital currency payment chip 300. Specifically, the digital currency payment chip 300 may include a security element 301, a first communication component 302 and a second communication component 303, wherein:

[0152] The communication protocol adopted by the first communication component 302 includes a near field communication protocol and / or a limited domain communication protocol; used to receive a payment request;

[0153] The communication protocol adopted by the second communication component 303 includes a Bluetooth communication protocol; used to receive hard wallet opening data sent by the digital currency client;

[0154] The security element 301 is used to open a digital currency hard wallet based on the hard wallet opening data, and to perform digital currency transactions using the first communication component 302 based on the payment request.

[0155] In the embodiment of the present invention, the second communication component 303 is further used to receive an authorization authentication request sent by the digital currency client, generate an authorization authentication random number for the authorization authentication request, and send the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number;

[0156] The second communication component 303 is further used to verify the authorization authentication data sent by the digital currency client. If the verification passes, the digital currency client is determined to be an authorized digital currency client, and the step of receiving the hard wallet opening data sent by the digital currency client is executed.

[0157] In the embodiment of the present invention, the second communication component 303 is further used to decrypt the hard wallet opening data and transmit the decrypted hard wallet opening data to the security element 301, the opening data including the opening execution instruction and the personalized data;

[0158] The security element 301 is further used to parse and execute the opening execution instruction and store the personalized data.

[0159] In an embodiment of the present invention, the second communication component 303 is further used to provide its link information to the first terminal device where the digital currency client is located; and in response to a triggering operation on the link information, establish a Bluetooth communication connection between the second communication component 303 and the digital currency client.

[0160] In the embodiment of the present invention, the digital currency payment chip 300 may further include an interception module (not shown in the figure), wherein:

[0161] The interception module (not shown in the figure) is used to intercept the interaction information sent externally; when the intercepted interaction information is a payment request, the first communication component 302 is called to transmit the payment request to the security element 301.

[0162] In the embodiment of the present invention, the digital currency hard wallet in the security element 301 includes a first mode and a second mode, wherein the first mode indicates that the transaction is performed using the coin string information stored in the digital currency hard wallet, and the second mode indicates that the transaction is performed based on the digital currency account associated with the digital currency hard wallet;

[0163] The security element 301 is further configured to perform digital currency transactions using the coin string information indicating the amount of digital currency stored in the first-mode digital currency hard wallet when the digital currency hard wallet is in the first mode;

[0164] The security element 301 is further used to send a payment request to the digital currency server through the Bluetooth communication channel between the second communication component 303 and the digital currency client and the digital currency client when the digital currency hard wallet is in the second mode, so that the digital currency server can perform digital currency transactions based on the payment request and the digital currency account associated with the digital currency hard wallet.

[0165] In an embodiment of the present invention, the security element 301 is further used to bind a digital currency client to the digital currency hard wallet in response to a binding trigger when the digital currency hard wallet in the first mode belongs to the first type of hard wallet, so as to convert the digital currency hard wallet into a second type of hard wallet, wherein the first type of hard wallet indicates that the digital currency client is not bound, and the second type of hard wallet indicates that the digital currency client is bound; in response to receiving a mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

[0166] In an embodiment of the present invention, the security element 301 is further used to determine whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset threshold value when the digital currency hard wallet is in the first mode. If so, data synchronization is performed with the digital currency server through the Bluetooth communication channel and the digital currency client. After the data synchronization is successful, new coin string information sent by the digital currency server is received and stored through the Bluetooth communication channel and the digital currency client, and invalid data is cleared; otherwise, digital currency transactions are performed using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet.

[0167] In an embodiment of the present invention, the security element 301 is further used to generate a first temporary random number, and obtain account information and target coin string information matching the payment request from a digital currency hard wallet; generate a coin string key using the first temporary random number, the payee factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee; encrypt the coin string key using the payee public key included in the payment request, and encrypt the target coin string information using the coin string secret key; generate first payment information including the encrypted coin string key and the encrypted target coin string information; use the first communication component to send the first payment information to the payee corresponding to the payment request, so as to conduct a transaction based on the first payment information.

[0168] In an embodiment of the present invention, the security element 301 is further used to determine whether the collection amount indicated by the payment request exceeds a preset payment threshold; when it is determined that the collection amount indicated by the payment request exceeds the preset payment threshold, the encrypted payment password is added to the first payment information, and the first payment information with the added payment password is sent to the payment end, so as to conduct a transaction based on the first payment information with the added payment password; when it is determined that the collection amount indicated by the payment request does not exceed the preset payment threshold, the first payment information is directly sent to the payment end corresponding to the payment request.

[0169] Furthermore, an embodiment of the present invention also provides a digital currency payment method applied to a digital currency client, wherein the digital currency client and a digital currency payment chip including a security element, a first communication component and a second communication component are installed in a first terminal device, wherein the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol. Figure 4 The main flow chart of a digital currency payment method applied to a digital currency client provided by an embodiment of the present invention is shown. Specifically, Figure 4 As shown, the digital currency payment method applied to the digital currency client may include:

[0170] Step S401: establishing a Bluetooth communication connection between the first terminal device and the second communication component;

[0171] Step S402: Sending a registration request for a digital currency hard wallet to a trusted service management platform;

[0172] Step S403: receiving hard wallet opening data sent by the trusted service management platform;

[0173] Step S404: Send the hard wallet opening data to the security element via the Bluetooth communication connection to open a digital currency hard wallet in the security element; enable the digital currency hard wallet in the digital currency payment chip to perform digital currency transactions based on the first communication component.

[0174] Among them, the trusted service management platform generally refers to the digital currency service end authorized by the central bank for secondary banking institutions. It is worth noting that the digital currency service end involved in each embodiment of the present invention generally refers to the digital currency service end authorized by the central bank for secondary banking institutions.

[0175] For the digital currency payment technology solution applied to the digital currency client, a Bluetooth communication connection is established between the digital currency client installed in the same first terminal device and the digital currency payment chip, and a digital currency hard wallet is opened for the digital currency payment chip through the Bluetooth communication connection, so that the digital currency hard wallet can make digital currency payments, so that terminal devices that do not have near-field communication functions or do not have near-field communication functions open to the outside world can also make payments through near-field communication, which solves the application limitations of near-field communication payments and effectively expands the application scenarios of near-field communication payments.

[0176] Furthermore, the digital currency payment technology solution applied to the digital currency client may further include: sending an authentication request to the security element through a Bluetooth communication connection, and receiving an authentication random number for the authentication request; generating authentication data based on the authentication random number, and sending the authentication data to the second communication component through a Bluetooth communication connection, so that the second communication component verifies the authentication data, and if the verification passes, the security element parses and executes the opening execution instruction included in the opening data, and stores the personalized data included in the opening data. Through this interactive process, the security element determines that the digital currency client is an authorized digital currency client to ensure the legitimacy and security of the digital currency hard wallet installed in the security element.

[0177] Furthermore, the digital currency payment method applied to the digital currency client may further include: receiving a payment request sent by the digital currency hard wallet in the second mode through the second communication component; generating second payment information corresponding to the payment request, and sending the second payment information to the digital currency server, so that the digital currency server conducts a digital currency transaction based on the second payment information. The digital currency hard wallet in the second mode is used as a payment account, and the digital currency server uses the coin string information in the account associated with it to complete the payment.

[0178] Furthermore, the digital currency payment technical solution applied to the digital currency client may further include: establishing an account association relationship with the digital currency hard wallet; when the digital currency hard wallet is in the second mode, based on the account association relationship, sharing the coin string information with the digital currency hard wallet in the security element. That is, the digital currency hard wallet serves as a sub-wallet of the digital currency client, and uses the coin string information of the digital currency client to complete the payment.

[0179] Furthermore, the above-mentioned digital currency client can also update the coin string information of the digital currency hard wallet, clean up the transaction records, and manage and maintain the coin string information and transaction records in the security element through the digital currency client. While ensuring the accuracy of the coin string information and transaction records of the digital currency hard wallet of the security element, by updating the coin string information contained in the digital currency hard wallet and the transaction records recorded by the security element, the storage space of the security element is organized, so that the security element has sufficient storage space, thereby ensuring the sustainable use of the digital currency hard wallet.

[0180] In an embodiment of the present invention, the digital currency payment technical solution applied to the digital currency client may further include: receiving the payment information sent by the digital currency hard wallet in the second mode through the Bluetooth communication connection with the second communication component; generating the second payment information corresponding to the payment information, and sending the second payment information to the digital currency hard wallet, so that the digital currency hard wallet sends the second payment information to the payment terminal to complete the payment. Through this process, the digital currency hard wallet has an account function, which is directly linked with the digital currency client during the transaction process, so that the digital currency client can also complete the payment with the help of the first communication component of the digital currency payment chip, which expands the transaction scenario of the digital currency client.

[0181] Furthermore, the above-mentioned specific implementation of establishing a Bluetooth communication connection between the first terminal device and the second communication component may include: in response to a trigger for opening a hard wallet, determining whether the operating system carried by the first terminal device is a target system, wherein the communication protocol interface of the target system corresponding to the first communication component is not open to the outside; in the case where the first terminal device is determined to be the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component. By determining whether the operating system carried by the first terminal device is the target system, it is possible to more accurately determine whether the first terminal device needs to establish a Bluetooth communication connection with the second communication component of the chip even if the various protocol interfaces of the first terminal device are not open to the outside.

[0182] Furthermore, the digital currency payment method applied to the digital currency client may further include: receiving prompt information indicating the networking operation sent by the digital currency payment chip, so that the operator establishes a communication connection between the digital currency client and the trusted service management platform based on the prompt information; based on the communication connection, synchronizing data for the digital currency payment chip and the trusted service management platform, and after the data synchronization is successful, sending the new coin string information sent by the trusted service management platform to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and clears invalid data. The digital currency client is used as a bridge to establish a connection between the digital currency hard wallet and the digital currency server to manage the digital currency hard wallet.

[0183] Furthermore, in an embodiment of the present invention, the above-mentioned digital currency payment method for a digital currency client may further include: the digital currency client generates a loss report request to the digital currency server in response to the loss report operation for the digital currency hard wallet sent by the second terminal device, so that the digital currency server performs a loss report on the digital currency hard wallet to prohibit the digital currency hard wallet payment, wherein the digital currency client of the second terminal device logs in to an account associated with the digital currency hard wallet. If the mobile terminal where the SIM card with the digital currency hard wallet is located is lost, the user can log in to the digital currency client associated with the digital currency hard wallet on another mobile terminal, report the loss of the digital currency hard wallet, and prevent the loss of funds, so that the digital currency hard wallet can be reported lost, so as to further ensure the security of the digital currency hard wallet. At the same time, the security element including the digital currency hard wallet has the characteristics of larger storage capacity, higher payment security, and more application carrying, and the security level is the same as that of the mainstream financial IC chip, which guarantees the security of user data to the greatest extent.

[0184] Furthermore, an embodiment of the present invention also provides a digital currency payment device applied to a digital currency client, wherein the digital currency payment device and a digital currency payment chip including a security element, a first communication component and a second communication component are installed on a first terminal device, the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a limited-domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the digital currency payment device establishes a Bluetooth communication connection with the second communication component based on the first terminal device. Figure 5 The main structural diagram of the digital currency payment device provided by the embodiment of the present invention is shown. Figure 5 As shown, the digital currency payment device may include: a registration module 501 and an account management module 502, wherein:

[0185] The registration module 501 is used to send a registration request for a digital currency hard wallet to an authorized trusted service management platform; and receive hard wallet opening data sent by the trusted service management platform;

[0186] The account management module 502 is used to send the hard wallet opening data to the security element via a Bluetooth communication connection to open a digital currency hard wallet in the security element; and enable the digital currency hard wallet in the digital currency payment chip to perform digital currency transactions based on the first communication component.

[0187] Furthermore, the registration module 501 is further used to send an authentication request to the second communication component via a Bluetooth communication connection, and receive an authentication random number for the authentication request; generate authentication data based on the authentication random number, and send the authentication data to the second communication component via a Bluetooth communication connection, so that the second communication component verifies the authentication data, and when the verification passes, enables the security element to parse and execute the opening execution instruction included in the opening data, and store the personalized data included in the opening data.

[0188] Furthermore, the account management module 502 is further used to receive a payment request sent by the digital currency hard wallet in the second mode through the second communication component; generate second payment information corresponding to the payment request, and send the second payment information to the digital currency server, so that the digital currency server conducts digital currency transactions based on the second payment information.

[0189] Furthermore, the account management module 502 is further used to establish an account association relationship with the digital currency hard wallet; when the digital currency hard wallet is in the second mode, based on the account association relationship, the coin string information is shared with the digital currency hard wallet in the security element.

[0190] Furthermore, the registration module 501 is further used to respond to the trigger of the hard wallet opening and determine whether the operating system carried by the first terminal device is the target system, wherein the communication protocol interface of the target system corresponding to the first communication component is not open to the outside; when it is determined that the first terminal device is the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component.

[0191] Furthermore, the account management module 502 is further used to receive prompt information indicative of networking operations sent by the digital currency payment chip, so that the operator can establish a communication connection between the digital currency client and the trusted service management platform based on the prompt information; based on the communication connection, synchronize data for the digital currency payment chip and the trusted service management platform, and after the data synchronization is successful, send the new coin string information sent by the trusted service management platform to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and cleans up invalid data.

[0192] Furthermore, the account management module 502 is further used to generate a loss report request to the digital currency server in response to a loss report operation sent by the second terminal device for the digital currency hard wallet, so that the digital currency server can report the loss of the digital currency hard wallet to prohibit payment with the digital currency hard wallet, wherein the digital currency client of the second terminal device is logged in to an account associated with the digital currency hard wallet.

[0193] The digital currency payment device 500 provided in the above embodiment can be installed in the form of a plug-in in an existing digital currency client or a bank client with a digital currency management function. In addition, the digital currency payment device 500 can also be used as a functional module of a digital currency client or a bank client with a digital currency management function.

[0194] Furthermore, if Figure 6 As shown, an embodiment of the present invention provides a digital currency payment system 600. The digital currency payment system 600 may include: a payment terminal 601, a digital currency payment chip 300 provided in the above embodiment, and a digital currency client 602 including the digital currency payment device 500 provided in the above embodiment, wherein:

[0195] The digital currency payment chip 300 and the digital currency client 602 are installed in the first terminal device;

[0196] The digital currency hard wallet in the digital currency payment chip 300 is opened based on the Bluetooth communication connection between the second communication component included therein and the digital currency client 602;

[0197] The payment receiving terminal 601 is used to provide a payment request to the digital currency payment chip 300 through near field communication with the first communication component included in the digital currency payment chip 300;

[0198] The digital currency payment chip 300 is used to conduct digital currency transactions based on payment requests.

[0199] Furthermore, in order to clearly explain the digital currency payment method in the near field communication scenario, Figure 7 Taking the interaction process between the SIM card b (hereinafter referred to as SIM card b) including the digital currency payment chip C2 (hereinafter referred to as chip C2) provided in the above embodiment and the digital currency client on the mobile terminal, and establishing the association between the digital currency client and the opened digital currency hard wallet as an example, the process of opening a digital currency hard wallet in the digital currency payment method under the near field communication scenario is described in detail, which may include the following steps:

[0200] Step S701: the chip C2 in the SIM card b provides the link information of the second communication component to the first terminal device where the digital currency client is located;

[0201] In addition, before this step, it may also include: after entering the digital currency client, determining whether the operating system of the mobile terminal is the target system, the near-field communication interface of the target system (such as the iOS system) is not open to the outside, and the digital currency client determines whether it is connected to the Bluetooth chip. If not, execute step S701.

[0202] Step S702: In response to the triggering operation on the link information, a Bluetooth communication connection is established between the second communication component and the authorized digital currency client;

[0203] Step S703: Chip C2 in SIM card b receives the authentication request sent by the digital currency client;

[0204] Step S704: Chip C2 in SIM card b sends the authentication random number to the digital currency client;

[0205] Step S705: The digital currency client generates authentication data based on the authentication random number;

[0206] Step S706: receiving authentication data sent by the digital currency client, verifying the authentication data, and determining that the digital currency client is an authorized digital currency client;

[0207] Step S707: The authorized digital currency client sends hard wallet opening data to chip C2 in SIM card b through the Bluetooth communication channel established by the Bluetooth communication connection, and opens a digital currency hard wallet for chip C2 in SIM card b;

[0208] Step S708: Establishing an association relationship between the digital currency client and the digital currency hard wallet;

[0209] Step S709: the digital currency hard wallet in the chip C2 in the SIM card b shares the coin string information included in the digital currency client with the digital currency client based on the association relationship;

[0210] Step S710: The digital currency client performs transfer operations and query operations for the digital currency hard wallet in the chip C2 in the SIM card b.

[0211] Furthermore, in order to clearly explain the digital currency payment method in the near field communication scenario, Fig. 8A , Figure 8B and Figure 8CThe interaction between the SIM card b including the above-mentioned digital currency payment chip C2 (wherein the digital currency hard wallet in the digital currency payment chip C2 is bound to the digital currency client) and the payment terminal POS machine and the interaction between the payment terminal POS machine and the digital currency server are taken as examples, and the detailed description is in Fig. 8A , Figure 8B and Figure 8C Based on the steps given, the single offline (the single offline means that the digital currency client is in an offline state) digital currency payment method in the near field communication scenario may include the following steps:

[0212] Step S801: The mobile terminal with SIM card b installed is close to the POS machine, and the chip C2 in the SIM card b establishes near field communication with the POS machine;

[0213] Step S802: SIM card b intercepts the interactive information sent by the POS machine through the contact payment protocol;

[0214] Step S803: When the intercepted interactive information is payment information, the chip C2 in the SIM card b calls the first communication component to transmit the payment information to the secure element; when the digital currency hard wallet in the secure element is in the second mode, execute Fig. 8A The following steps S804 to S808 are shown; when the digital currency hard wallet in the security element is in the first mode, execute Figure 8B and Figure 8C The following steps S809 to S825 are shown;

[0215] Step S804: the chip C2 in the SIM card b sends the payment information to the digital currency client via the second communication component;

[0216] Step S805: the chip C2 in the SIM card b receives the second payment information sent by the digital currency client through the second communication component;

[0217] Step S806: The chip C2 in the SIM card b sends the second payment information to the POS machine through the first communication component;

[0218] Step S807: The POS machine sends the second payment information to the digital currency server;

[0219] Step S808: The digital currency server verifies the second payment information to complete the payment and end the current process;

[0220] Step S809: the chip C2 in the SIM card b generates a first temporary random number through a security element, and obtains target coin string information matching the payment information from the digital currency hard wallet;

[0221] Step S810: The chip C2 in the SIM card b determines through the security element whether the amount of money received indicated by the payment information exceeds the preset payment threshold. If yes, execute step S811; otherwise, execute step S819;

[0222] Step S811: the chip C2 in the SIM card b provides a password input interface to the mobile first terminal device through the second communication component, so that the user can enter the payment password on the password input interface;

[0223] Step S812: Chip C2 in SIM card b encrypts the payment password through a secure element;

[0224] Step S813: The secure element of chip C2 in SIM card b generates a coin string key using the first temporary random number, the payer factor stored in the secure element, the payee factor included in the payment request, and the second temporary random number generated by the payee;

[0225] Step S814: The security element of chip C2 in SIM card b encrypts the coin string key using the public key of the payee included in the payment request, and encrypts the target coin string information using the coin string secret key;

[0226] Step S815: The security element of chip C2 in SIM card b generates first payment information including the encrypted coin string key and the encrypted target coin string information, and adds the encrypted payment password to the first payment information;

[0227] Step S816: The chip C2 in the SIM card b sends the first payment information to the POS machine through the first communication component;

[0228] Step S817: The POS machine sends the first payment information to the digital currency server;

[0229] Step S818: The digital currency server verifies the first payment information. If the verification is successful, the payment is received and the current process ends.

[0230] Step S819: The secure element of chip C2 in SIM card b generates first payment information corresponding to the payment request;

[0231] This step is specifically implemented as follows: the security element of chip C2 in SIM card b generates a first temporary random number, obtains account information from the digital currency hard wallet, and splits and / or merges one or more coin string information contained in the digital currency hard wallet to obtain target coin string information matching the payment information; generates a coin string key using the first temporary random number, the payee factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee; encrypts the coin string key using the payee public key included in the payment request, and encrypts the target coin string information using the coin string secret key; generates first payment information including the encrypted coin string key and the encrypted target coin string information;

[0232] Step S820: The chip C2 in the SIM card b sends the first payment information to the POS machine through the first communication component;

[0233] Step S821: The POS machine sends the first payment information to the digital currency server;

[0234] Step S822: The digital currency server verifies the first payment information to complete the payment;

[0235] Step S823: Chip C2 in SIM card b stores the transaction record matching the payment information and the target coin string information in the secure element;

[0236] Step S824: the digital currency client updates the coin string information contained in the digital currency hard wallet in the security element of chip C2 in SIM card b and the transaction record recorded by the security element when connected to the network;

[0237] Step S825: the digital currency client generates a loss reporting request in response to the loss reporting operation for the digital currency hard wallet sent by the second terminal device;

[0238] Step S826: the digital currency client sends a loss report request to the digital currency server;

[0239] Step S827: The digital currency server reports the digital currency hard wallet lost to prohibit payment using the digital currency hard wallet.

[0240] Furthermore, in order to clearly explain the digital currency payment method in the near field communication scenario, Fig. 9 The interaction between the SIM card b including the digital currency payment chip C2 and the POS terminal as well as the interaction between the POS terminal and the digital currency server are taken as examples, and the detailed description is given in Fig. 9On the basis of the steps given above, in the case of dual offline in the near field communication scenario (the dual offline means that the digital currency client of the POS machine at the receiving end is offline and the digital currency payment chip in the SIM card b is offline), and the payment amount does not exceed the payment threshold and the number of payments does not exceed the number of payments of the preset digital currency hard wallet, the digital currency payment method may include the following steps:

[0241] Step S901: The mobile terminal with SIM card b installed is close to the POS machine, and the chip C2 in the SIM card b establishes near field communication with the POS machine;

[0242] Step S902: SIM card b intercepts the interactive information sent by the POS machine through the contact payment protocol;

[0243] Step S903: When the intercepted interactive information is payment information, the chip C2 in the SIM card b calls the first communication component to transmit the payment information to the secure element; when the digital currency hard wallet in the secure element is in the second mode, the following steps S904 and S905 are executed; when the digital currency hard wallet in the secure element is in the first mode, the following steps S906 to S909 are executed;

[0244] Step S904: the security element of chip C2 in SIM card b directly refuses payment;

[0245] Step S905: the POS terminal generates payment failure indication information and ends the current process;

[0246] Step S906: The secure element of chip C2 in SIM card b generates first payment information corresponding to the payment request;

[0247] This step is specifically implemented as follows: the security element generates a first temporary random number, and generates a coin string key using the first temporary random number, the payee factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee; the coin string key is encrypting using the payee public key included in the payment request, and the target coin string information is encrypting using the coin string secret key; and the first payment information is generated including the encrypted coin string key and the encrypted target coin string information.

[0248] Step S907: The chip C2 in the SIM card b sends the first payment information to the POS machine through the first communication component;

[0249] Step S908: The digital currency client of the POS machine decrypts the first payment information and stores the decrypted coin string information;

[0250] That is, when the digital currency client of the POS machine is offline (that is, the digital currency client of the POS machine has not established a communication connection with the digital currency server), the decrypted coin string information can be stored through the digital currency client.

[0251] Step S909: After the digital currency client of the POS machine is connected to the network, the data of the first payment information is synchronized to the digital currency server.

[0252] In addition, in the above-mentioned digital currency payment process, after the payment is successful, the digital currency server can directly push it to the mobile terminal or digital currency client in the form of message notification or UI.

[0253] In addition, based on the above embodiment, the above digital currency payment method can also be used when the digital currency payment chip and the digital currency client are both online (that is, the digital currency payment chip and the digital currency client have established a Bluetooth communication connection, and the digital currency client is in an online state). Then, when the digital currency hard wallet of the digital currency payment chip is in the second mode, the digital currency payment chip can send the payment request of the payee to the digital currency client through the Bluetooth communication channel established by the Bluetooth communication connection, and the digital currency client sends the payment request to the digital currency server, and the digital currency server conducts digital currency transactions based on the payment request and the coin string information of the account associated with the digital currency hard wallet.

[0254] Furthermore, an embodiment of the present invention also provides a digital currency payment chip including the above-mentioned security element and the above-mentioned first communication component. The chip can open a digital currency hard wallet through other methods and store account information for the digital currency hard wallet. Further, it can store coin string information for the digital currency hard wallet through other operation methods such as bank transfer, first communication component transfer, etc.

[0255] In order to clearly explain the digital currency payment method in the near field communication scenario, Fig.10 Taking the interaction between the SIM card a (hereinafter referred to as SIM card a) and the POS terminal, and the interaction between the POS terminal and the digital currency server as examples, the digital currency payment method in the near field communication scenario may include the following steps:

[0256] Step S1001: registering and opening a digital currency hard wallet for the chip C1 included in the SIM card a, and storing account information and one or more coin string information indicating the amount of digital currency in the digital currency hard wallet;

[0257] Step S1002: The POS machine receives the amount to be paid by the user input by the merchant, and the POS machine generates payment information based on the amount;

[0258] Step S1003: The mobile terminal with SIM card a installed is close to the POS machine, and the chip C1 establishes near field communication with the POS machine through the first communication component;

[0259] Step S1004: the chip C1 in the SIM card a intercepts the interaction information sent externally;

[0260] Step S1005: When the intercepted interactive information is payment information, the chip C1 calls the first communication component to transmit the payment information to the secure element;

[0261] Step S1006: the chip C1 generates first payment information corresponding to the payment request through the security element;

[0262] The implementation process of this step is the same as the implementation process of the above step S906, and will not be repeated here.

[0263] Step S1007: The chip C1 sends the first payment information to the POS machine through the first communication component;

[0264] Step S1008: The POS machine sends the first payment information to the digital currency server;

[0265] Step S1009: The digital currency server verifies the first payment information, and completes the payment after the verification is passed.

[0266] It is worth noting that the digital currency server involved in the above-mentioned specific embodiments may include a server related to digital currency transactions and a trusted service management platform for managing digital currency accounts.

[0267] Fig.11 An exemplary system architecture 1100 is shown to which the digital currency payment method or digital currency payment chip according to an embodiment of the present invention can be applied.

[0268] like Fig.11As shown, the system architecture 1100 may include a first terminal device 1101 with a SIM card installed with a digital currency payment chip (the digital currency payment chip includes a security element, a first communication component (the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol) and a second communication component (the communication protocol adopted by the second communication component includes a Bluetooth communication protocol)), a network 1102, a payment terminal 1103, a digital currency server 1104 and a second terminal device 1105. The network 1102 is used to provide a medium for a communication link between the first terminal device 1101 and the digital currency server 1104, between the payment terminal 1103 and the digital currency server 1104, and between the second terminal device 1105 and the digital currency server 1104. The network 1102 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

[0269] The user can use the digital currency client installed in the first terminal device 1101 to interact with the digital currency server 1104 through the network 1102 to receive or send messages, etc. For example, the digital currency server 1104 receives the user digital identity registration request, digital currency account query request, etc. sent by the first terminal device 1101, and the first terminal device 1101 receives the successful registration information, account query structure, etc. sent by the digital currency server 1104 to the digital currency client of the first terminal device 1101. The digital currency client installed in the first terminal device 1101 can also establish a Bluetooth communication connection with the SIM card installed in the first terminal device 1101, open a digital currency hard wallet for storing account information and coin string information for the digital currency payment chip of the SIM card, and update the coin string information and transaction records stored in the digital currency payment chip of the SIM card installed in the first terminal device 1101.

[0270] The user can use the digital currency payment chip of the SIM card installed in the first terminal device 1101 to interact with the payment terminal through near field communication. For example, the user can use the digital currency payment chip of the SIM card installed in the first terminal device 1101 to receive the payment request sent by the payment terminal 1103 through near field communication, and send the payment information corresponding to the payment request to the payment terminal 1103 through near field communication. The digital currency payment chip of the SIM card installed in the first terminal device 1101 can also receive the prompt information indicating the payment success or payment failure sent by the payment terminal 1103 through near field communication.

[0271] The payment terminal 1103 sends the received payment information to the digital currency server 1104, and the digital currency server 1104 verifies the payment information. After the verification is passed, it sends information indicating successful payment or receipt to the payment terminal 1103.

[0272] The second terminal device 1105 is installed with a digital currency client. The user sends an account query of the digital currency hard wallet or a loss report request of the digital currency hard wallet to the digital currency server 1104 through the digital currency client installed on the second terminal device 1105, and the digital currency server 1104 reports the loss of the digital currency hard wallet.

[0273] Various communication client applications can be installed on the first terminal device 1102 and the second terminal device 1105, such as digital currency client applications, financial-related clients, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only as examples).

[0274] The first terminal device 1101 and the second terminal device 1105 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones and tablet computers that can be installed with SIM cards.

[0275] The digital currency server 1104 may be a server that provides various services, or a service system implemented by a blockchain or a distributed ledger, such as a background management server (for example only) that provides support for identity authentication or digital currency transactions sent by the user using the first terminal device 1101 or the payment terminal 1103. The digital currency server 1103 may analyze and process the received identity authentication or digital currency transaction data, and feed back the processing result (for example, successful authentication or successful transaction - for example only) to the first terminal device or the payment terminal.

[0276] It should be noted that the digital currency payment method provided in the embodiment of the present invention is generally executed by a first terminal device 1101 installed with a digital currency client and a SIM card (the SIM card contains a digital currency payment chip), a payment terminal 1103 and a digital currency server 1104 in collaboration with each other.

[0277] It should be understood that Fig.11 The number of the first terminal device, the payment terminal, the digital currency server, and the second terminal device in the embodiment is only illustrative. According to the implementation requirements, there may be any number of the first terminal device, the payment terminal, the digital currency server, and the second terminal device.

[0278] Reference below Fig.12 , which shows a schematic diagram of the structure of a computer system 1200 suitable for implementing a first terminal device or a payment terminal or a digital currency server in an embodiment of the present invention. Fig.12 The computer system 1200 shown is only an example and should not bring any limitation to the functions and scope of use of the embodiments of the present invention.

[0279] like Fig.12 As shown, the computer system 1200 includes a central processing unit (CPU) 1201, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1202 or a program loaded from a storage part 1208 into a random access memory (RAM) 1203. In the RAM 1203, various programs and data required for the operation of the system 1200 are also stored. The CPU 1201, the ROM 1202, and the RAM 1203 are connected to each other via a bus 1204. An input / output (I / O) interface 1205 is also connected to the bus 1204.

[0280] The following components are connected to the I / O interface 1205: an input section 1206 including a keyboard, a mouse, etc.; an output section 1207 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 1208 including a hard disk, etc.; and a communication section 1209 including a network interface card such as a LAN card, a modem, etc. and near field communications such as NFC, RCC. The communication section 1209 performs communication processing via a network such as the Internet or near field communications. A drive 1210 is also connected to the I / O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 1210 as needed, so that a computer program read therefrom is installed into the storage section 1208 as needed.

[0281] In particular, according to the embodiments disclosed in the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, the embodiments disclosed in the present invention include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from the network through the communication part 1209, and / or installed from the removable medium 1211. When the computer program is executed by the central processing unit (CPU) 1201, the above-mentioned functions defined in the system of the present invention are executed.

[0282] It should be noted that the computer-readable medium shown in the present invention may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present invention, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, which carries a computer-readable program code. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0283] The flow chart and block diagram in the accompanying drawings illustrate the possible architecture, function and operation of the system, method and computer program product according to various embodiments of the present invention. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0284] The units involved in the embodiments of the present invention may be implemented by software or hardware. The units described may also be set in a processor, for example, it may be described as: a processor includes a security element, a first communication component and a second communication component. The names of these elements or components do not constitute a limitation on the elements or components themselves in some cases, for example, the security element may also be described as a "component for generating payment information".

[0285] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes: using the second communication component to receive the hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the security element; using the first communication component to receive the payment request and conduct digital currency transactions.

[0286] According to the technical solution of the embodiment of the present invention, through the Bluetooth communication connection established between the second communication component that can adopt the Bluetooth communication protocol included in the digital currency payment chip (hereinafter referred to as the chip) and the authorized digital currency client, the authorized digital currency client can open a digital currency hard wallet in the security element included in the chip. Subsequently, the chip receives the payment request through the first communication component that can adopt the near-field communication protocol and / or the limited-domain communication protocol, and conducts digital currency transactions, that is, the near-field communication transaction of digital currency is realized through the first communication component of the chip. Since the chip itself has the first communication component that can adopt the near-field communication protocol and / or the limited-domain communication protocol, the chip, when applied to the mobile terminal, can solve the near-field payment problem of the mobile terminal without the near-field communication function or the mobile terminal whose near-field communication interface is not open to the outside. Therefore, the solution provided by the embodiment of the present invention solves the problem of application limitations of near-field communication payment and effectively expands the application scenarios of near-field communication payment.

[0287] The above specific implementations do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present invention shall be included in the protection scope of the present invention.

Claims

1. A digital currency payment method, characterized in that: Applied to a chip including a security element, a first communication component and a second communication component, the security element is used to open a digital currency hard wallet, wherein the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the method includes: Using the second communication component to receive hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the security element; The first communication component is used to receive a payment request and conduct a digital currency transaction.

2. The digital currency payment method according to claim 1, characterized in that: Also includes: Using the second communication component to receive an authorization authentication request sent by a digital currency client, generating an authorization authentication random number for the authorization authentication request, and sending the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number; The authorization authentication data sent by the digital currency client is verified by the second communication component. If the verification passes, the digital currency client is determined to be an authorized digital currency client, and the step of receiving the hard wallet opening data sent by the digital currency client is performed.

3. The digital currency payment method according to claim 1 or 2, characterized in that: The step of opening a digital currency hard wallet in the security element comprises: Decrypting the hard wallet opening data using the second communication component, and transmitting the decrypted hard wallet opening data to the security element, the opening data including the opening execution instruction and the personalization data; The security element is used to parse and execute the opening execution instruction, and the personalized data is stored.

4. The digital currency payment method according to claim 1 or 2, characterized in that: Also includes: Providing link information of the second communication component to the first terminal device where the digital currency client is located; In response to a triggering operation on the link information, a Bluetooth communication connection is established between the second communication component and the digital currency client.

5. The digital currency payment method according to claim 1, characterized in that: The receiving the payment request by using the first communication component includes: Intercept the interactive information sent externally; In the case where the intercepted interaction information is a payment request, the first communication component is called to transmit the payment request to the security element.

6. The digital currency payment method according to claim 1, characterized in that: The digital currency hard wallet includes a first mode and a second mode, wherein the first mode indicates that a transaction is performed using the coin string information stored in the digital currency hard wallet, and the second mode indicates that a transaction is performed based on a digital currency account associated with the digital currency hard wallet; The using the first communication component to receive a payment request and conduct a digital currency transaction includes: When the digital currency hard wallet is in the first mode, use the coin string information indicating the amount of digital currency stored in the digital currency hard wallet in the first mode to conduct digital currency transactions; When the digital currency hard wallet is in the second mode, the payment request is sent to the digital currency server through the Bluetooth communication channel between the second communication component and the digital currency client and the digital currency client, so that the digital currency server performs a digital currency transaction based on the payment request and the digital currency account associated with the digital currency hard wallet.

7. The digital currency payment method according to claim 6, characterized in that: Also includes: In the case where the digital currency hard wallet in the first mode belongs to the first type of hard wallet, in response to a binding trigger, binding a digital currency client to the digital currency hard wallet, so that the digital currency hard wallet is converted into a second type of hard wallet, wherein the first type of hard wallet indicates that no digital currency client is bound, and the second type of hard wallet indicates that a digital currency client is bound; In response to receiving the mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

8. The digital currency payment method according to claim 6, characterized in that: After receiving the payment request by using the first communication component, the method further includes: When the digital currency hard wallet is in the first mode, Determine whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset number threshold; if so, synchronize data with the digital currency server through the Bluetooth communication channel and the digital currency client; after the data synchronization is successful, receive and store new coin string information sent by the digital currency server through the Bluetooth communication channel and the digital currency client, and clear invalid data; otherwise, execute the digital currency transaction using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet.

9. The digital currency payment method according to claim 6 or 8, characterized in that: The method of using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet to conduct digital currency transactions includes: Generate a first temporary random number using the security element, and obtain target coin string information matching the payment request from the digital currency hard wallet; Generate a coin string key using the first temporary random number, the payer factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee; The coin string key is encrypted using the payment receiving end public key included in the payment request, and the target coin string information is encrypted using the coin string secret key; Generate first payment information including the encrypted coin string key and the encrypted target coin string information; The first communication component is used to send the first payment information to a payment receiving end corresponding to the payment request, so as to conduct a transaction based on the first payment information.

10. The digital currency payment method according to claim 9, characterized in that: Before sending the first payment information to the payment receiving terminal corresponding to the payment request, the method further includes: Determining whether the amount of money received indicated by the payment request exceeds a preset payment threshold; If it is determined that the amount of money received indicated by the payment request exceeds a preset payment threshold, adding the encrypted payment password to the first payment information, and sending the first payment information with the payment password added to the payment terminal, so as to conduct a transaction based on the first payment information with the payment password added; When it is determined that the payment amount indicated by the payment request does not exceed a preset payment threshold, the first payment information is directly sent to the payment receiving end corresponding to the payment request.

11. A digital currency payment method, characterized in that: Applied to a digital currency client, wherein the digital currency client and a digital currency payment chip including a security element, a first communication component and a second communication component are installed in a first terminal device, wherein the communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the digital currency payment method includes: Establishing a Bluetooth communication connection between the first terminal device and the second communication component; Send a registration request for a digital currency hard wallet to the trusted service management platform; Receiving hard wallet opening data sent by the trusted service management platform; The hard wallet opening data is sent to the security element through the Bluetooth communication connection to open a digital currency hard wallet in the security element; and the digital currency hard wallet in the digital currency payment chip performs digital currency transactions based on the first communication component.

12. The digital currency payment method according to claim 11, characterized in that: Also includes: Sending an authentication request to the second communication component via the Bluetooth communication connection, and receiving an authentication random number for the authentication request; Authentication data is generated based on the authentication random number, and the authentication data is sent to the second communication component through the Bluetooth communication connection, so that the second communication component verifies the authentication data, and when the verification passes, the security element parses and executes the opening execution instruction included in the opening data, and stores the personalized data included in the opening data.

13. The digital currency payment method according to claim 11, characterized in that: Also includes: receiving a payment request sent by the digital currency hard wallet in the second mode through the second communication component; Generate second payment information corresponding to the payment request, and send the second payment information to the digital currency server, so that the digital currency server performs a digital currency transaction based on the second payment information.

14. The digital currency payment method according to claim 11, characterized in that: Also includes: Establishing an account association relationship with the digital currency hard wallet; When the digital currency hard wallet is in the second mode, based on the account association relationship, the coin string information is shared with the digital currency hard wallet in the security element.

15. The digital currency payment method according to claim 11, characterized in that: The establishing a Bluetooth communication connection based on the first terminal device and the second communication component includes: In response to a trigger for opening a hard wallet, determining whether the operating system carried by the first terminal device is a target system, wherein a communication protocol interface of the target system corresponding to the first communication component is not open to the outside; When it is determined that the first terminal device is the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component.

16. The digital currency payment method according to claim 11, characterized in that: Also includes: Receiving prompt information indicating a networking operation sent by the digital currency payment chip, so that the operator can establish a communication connection between the digital currency client and the trusted service management platform based on the prompt information; Based on the communication connection, data is synchronized between the digital currency payment chip and the trusted service management platform, and after the data synchronization is successful, the new coin string information sent by the trusted service management platform is sent to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and cleans up invalid data.

17. The digital currency payment method according to any one of claims 11 to 16, characterized in that: Also includes: In response to a loss report operation sent by a second terminal device for the digital currency hard wallet, a loss report request is generated to a trusted service management platform, so that the trusted service management platform performs a loss report on the digital currency hard wallet to prohibit payment with the digital currency hard wallet, wherein the digital currency client of the second terminal device is logged in to an account associated with the digital currency hard wallet.

18. A chip for digital currency payment, characterized in that: It includes a security element, a first communication component and a second communication component, wherein: The communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol; and is used to receive a payment request; The communication protocol adopted by the second communication component includes a Bluetooth communication protocol; used to receive hard wallet opening data sent by a digital currency client; The security element is used to open a digital currency hard wallet based on the hard wallet opening data, and to perform digital currency transactions using the first communication component based on the payment request.

19. A digital currency payment device, characterized in that: in, The digital currency payment device and the digital currency payment chip including the security element, the first communication component and the second communication component are installed in the first terminal device, the communication protocol adopted by the first communication component includes the near field communication protocol and / or the limited domain communication protocol, and the communication protocol adopted by the second communication component includes the Bluetooth communication protocol; The digital currency payment device establishes a Bluetooth communication connection with the second communication component based on the first terminal device, and the digital currency payment device includes: a registration module and an account management module, wherein: The registration module is used to send a registration request for the digital currency hard wallet to an authorized trusted service management platform; and receive hard wallet opening data sent by the trusted service management platform; The account management module is used to send the hard wallet opening data to the security element through the Bluetooth communication connection to open a digital currency hard wallet in the security element; and enable the digital currency hard wallet in the digital currency payment chip to perform digital currency transactions based on the first communication component.

20. A digital currency payment system, characterized in that: include: A payment terminal, a digital currency payment chip as claimed in claim 18, and a digital currency payment device as claimed in claim 19, wherein: The digital currency payment chip and the digital currency client are installed in the first terminal device; The digital currency hard wallet in the digital currency payment chip is opened based on the Bluetooth communication connection between the second communication component included therein and the digital currency client; The payment receiving end is used to provide a payment request to the digital currency payment chip through near field communication with the first communication component included in the digital currency payment chip; The digital currency payment chip is used to conduct digital currency transactions based on the payment request.

21. An electronic device, characterized in that: include: The digital currency payment chip as described in claim 18 and the digital currency client including the digital currency payment device as described in claim 19.

22. A computer readable medium having a computer program stored thereon, characterized in that: When the program is executed by a processor, the steps involving program execution logic included in the method according to any one of claims 1 to 17 are implemented.

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