Transaction method and device, electronic equipment and storage medium

Abstract

The invention discloses a transaction method and device, electronic equipment and a storage medium, and relates to the technical field of computers. A specific embodiment of the method comprises the following steps: an acceptance terminal sends a transaction instruction to a visual hardware wallet; the visual hardware wallet generates transaction information according to the transaction instruction; the visual hardware wallet sends the transaction information to the acceptance terminal and executes a first updating operation; the visual hardware wallet comprises a visual module, and the first updating operation is used for updating display content on the visual module; the acceptance terminal sends the transaction information to the background; the background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal; the acceptance terminal sends the echo instruction to the visual hardware wallet; the visual hardware wallet executes a second updating operation according to the echo instruction; the second updating operation is used for updating the display content on the visualization module. According to the embodiment, the visual function of the visual hardware wallet is optimized, and the use body feeling of the user is improved.

Description

Technical Field

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

[0002] With the continuous development of computer technology and information security technology, the application scenarios of digital wallets are becoming more and more extensive, and the usage scenarios are becoming increasingly rich. Usually, digital wallets include software wallets and hardware wallets. Among them, hardware wallets can perform offline transactions. After a certain number of transactions are completed, they need to be connected to synchronize and update relevant transaction data and information. In order to ensure the display of transaction information during the transaction process and the display of balance and other information after the transaction is completed, hardware wallets often have a visualization function. Such a hardware wallet with a visualization function is called a visual hardware wallet.

[0003] Currently, the visualization function of visual hardware wallets has poor usability and a bad user experience. Summary of the Invention

[0004] In view of this, embodiments of the present invention provide a transaction method, device, electronic equipment, and storage medium to optimize the visualization function of visual hardware wallets and improve the usability of users.

[0005] To achieve the above object, according to the first aspect of the embodiments of the present invention, a transaction method is provided, including:

[0006] An acceptance terminal sends a transaction instruction to a visual hardware wallet;

[0007] The visual hardware wallet generates transaction information according to the transaction instruction;

[0008] The visual hardware wallet sends the transaction information and performs a first update operation; wherein, the visual hardware wallet sends the transaction information to the acceptance terminal; the visual hardware wallet includes a visualization module, and the first update operation is used to update the display content on the visualization module;

[0009] The acceptance terminal sends the transaction information to the background;

[0010] The background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal;

[0011] The acceptance terminal sends the echo instruction to the visual hardware wallet;

[0012] The visual hardware wallet performs a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

[0013] In some embodiments of the present invention, the transaction information includes the transaction amount; the echo instruction contains transaction amount information, balance information, QR code information, and / or transaction details information, and the transaction amount information, balance information, QR code information, and / or transaction details information are encrypted by the background; after the acceptance terminal sends the echo instruction to the visual hardware wallet, the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details; the display content updated by the second update operation includes the transaction amount, balance, QR code, and / or transaction details.

[0014] In some embodiments of the present invention, the visual hardware wallet includes a visualization interface; the visual hardware wallet calls the visualization interface according to the transaction amount information, balance information, QR code information, and / or transaction details information to perform the second update operation.

[0015] In some embodiments of the present invention, the background obtains the transaction amount information, balance information, QR code information, and / or transaction details information by performing the following encryption operation steps:

[0016] The background encrypts the transaction amount, balance, QR code, and / or transaction details with a first key to obtain a ciphertext;

[0017] The background calculates a MAC value for the ciphertext with a second key;

[0018] The background obtains the transaction amount information, balance information, QR code information, and / or transaction details information according to the ciphertext and the MAC value.

[0019] In some embodiments of the present invention, the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, including:

[0020] The visual hardware wallet uses the second key to verify the MAC value included in the received echo instruction;

[0021] If the verification is passed, the visual hardware wallet decrypts the ciphertext with a third key to obtain the transaction amount, balance, QR code, and / or transaction details; wherein, the third key is the decryption key corresponding to the first key.

[0022] In some embodiments of the present invention, the visual hardware wallet includes a visualization interface; the visual hardware wallet performs a first update operation, including: the visual hardware wallet calls the visualization interface to perform the first update operation.

[0023] In some embodiments of the present invention, the first update operation is to clear the display content of the visualization module or replace the display content on the visualization module; wherein, clearing the display content of the visualization module means partially clearing or completely emptying the display content on the visualization module.

[0024] In some embodiments of the present invention, the transaction information includes the transaction amount; the background generates an echo instruction according to the transaction information, including: the background generates an echo instruction through transaction processing according to the transaction information; the transaction processing includes performing an operation to deduct the amount.

[0025] In some embodiments of the present invention, before the acceptance terminal sends a transaction instruction to the visual hardware wallet, it further includes:

[0026] The visual hardware wallet negotiates features with the acceptance terminal in response to the transaction request initiated by the acceptance terminal to generate a first piece of information, and sends the first piece of information to the acceptance terminal;

[0027] The acceptance terminal sends a transaction instruction to the visual hardware wallet according to the first piece of information.

[0028] In some embodiments of the present invention, the first piece of information includes carrier capability information, and the carrier capability information is configured to characterize whether the visual hardware wallet has a display capability.

[0029] In some embodiments of the present invention, before the visual hardware wallet performs a second update operation according to the echo instruction, if it is detected that the communication connection between the visual hardware wallet and the acceptance terminal fails, the acceptance terminal issues a proximity prompt, and the proximity prompt is used to prompt to bring the visual hardware wallet closer to the acceptance terminal.

[0030] In a second aspect of the embodiments of the present invention, a transaction method is provided, which is applied to a visual hardware wallet and includes:

[0031] The visual hardware wallet receives a transaction instruction sent by the acceptance terminal;

[0032] The visual hardware wallet generates transaction information according to the transaction instruction;

[0033] The visual hardware wallet sends the transaction information and performs a first update operation; the visual hardware wallet sends the transaction information to the acceptance terminal; the visual hardware wallet includes a visualization module, and the first update operation is used to update the display content on the visualization module;

[0034] The visual hardware wallet receives an echo instruction sent by the acceptance terminal; the echo instruction is generated by the background after receiving the transaction information sent by the acceptance terminal and according to the transaction information, and the echo instruction is sent by the background to the acceptance terminal;

[0035] The visual hardware wallet performs a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

[0036] In some embodiments of the present invention, the transaction information includes the transaction amount; the echo instruction contains transaction amount information, balance information, QR code information, and / or transaction details information; after the visual hardware wallet receives the echo instruction sent by the acceptance terminal, the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details; the display content updated by the second update operation includes the transaction amount, balance, QR code, and / or transaction details; wherein, the transaction amount information, balance information, QR code information, and / or transaction details information are encrypted by the background.

[0037] In some embodiments of the present invention, the visual hardware wallet includes a visualization interface; after the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, the visual hardware wallet calls the visualization interface according to the transaction amount information, balance information, QR code information, and / or transaction details information to perform a second update operation.

[0038] In some embodiments of the present invention, the visual hardware wallet includes a visualization interface; the visual hardware wallet performs a first update operation, including: the visual hardware wallet calls the visualization interface to perform a first update operation.

[0039] In some embodiments of the present invention, the first update operation is to clear the display content of the visualization module or replace the display content on the visualization module; wherein, clearing the display content of the visualization module is to partially clear or completely empty the display content on the visualization module.

[0040] In some embodiments of the present invention, before the visual hardware wallet performs the second update operation according to the echo instruction, if the communication connection between the visual hardware wallet and the acceptance terminal fails, the visual hardware wallet can perform an operation of approaching the acceptance terminal according to the proximity prompt.

[0041] The third aspect of the embodiments of the present invention, applied to a visual hardware wallet, includes:

[0042] A visualization module;

[0043] A communicator configured to communicate with an acceptance terminal;

[0044] At least one processor configured to:

[0045] Control the communicator to receive a transaction instruction sent by the acceptance terminal and generate transaction information according to the transaction instruction;

[0046] Perform a first update operation and control the communicator to send the transaction information to the acceptance terminal;

[0047] The first update operation is used to update the display content on the visualization module;

[0048] The control communicator receives the echo instruction sent by the acceptance terminal; the echo instruction is generated by the background receiving the transaction information sent by the acceptance terminal and is sent by the background to the acceptance terminal;

[0049] Execute the second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

[0050] In a fourth aspect of the embodiments of the present invention, an electronic device is provided, and the electronic device includes:

[0051] One or more processors;

[0052] A storage device for storing one or more programs,

[0053] When the one or more programs are executed by the one or more processors, the one or more processors implement the transaction method provided by the embodiments of the present invention.

[0054] In a fifth aspect of the embodiments of the present invention, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, the transaction method provided by the embodiments of the present invention is implemented.

[0055] One embodiment of the above invention has the following advantages or beneficial effects: In the embodiment of the present invention, the visual hardware wallet sends transaction information and performs a first update operation, and the visual hardware wallet updates the display content on the visualization module through the first update operation; the transaction information is sent to the background through the acceptance terminal, the background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal, the acceptance terminal sends the echo instruction to the visual hardware wallet, and the visual hardware wallet performs a second update operation according to the echo instruction to update the display content on the visualization module. After the visual hardware wallet responds to the transaction request initiated by the acceptance terminal, the visual hardware wallet sends transaction information and performs a first update operation to update the display content on the visualization module, and the change of the display content on the visualization module prompts the user that the visual hardware wallet is operating; and after the visual hardware wallet receives the echo instruction, it performs a second update operation to update the display content on the visualization module, and the user can view the transaction result after receiving the display content updated by the second update operation. If the first update operation or the second update operation is not triggered, the user can clearly perceive that the content displayed on the current visualization module may be inaccurate; the two updates ensure that the user can clearly perceive the change of the display information on the visualization module during the transaction process using the visual hardware wallet, improving the user experience during the transaction process of the visual hardware wallet; and further helping the user judge whether the content displayed on the visualization module is the updated content, improving the user experience.

[0056] The further effects of the above non-conventional optional methods will be described below in combination with specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0057] The drawings are used to better understand the present invention and do not constitute an improper limitation to the present invention. Among them:

[0058] Figure 1 is a schematic structural diagram of a transaction system according to an embodiment of the present invention;

[0059] Figure 2 is one of the flowcharts of a transaction method according to an embodiment of the present invention;

[0060] Figure 3 is the second of the flowcharts of a transaction method according to an embodiment of the present invention;

[0061] Figure 4 is a schematic structural diagram of a visual hardware wallet in a transaction system according to an embodiment of the present invention;

[0062] Figure 5 is Figure 4 a schematic diagram of the interface change during an example transaction of the visualization module in Figure 5 (a) is a schematic diagram of the interface of the visualization module before the first update operation;Figure 5 (b) is a schematic diagram of the interface of the visualization module after the first update operation and before the second update operation; Figure 5 (c) is a schematic diagram of the interface of the visualization module after the second update operation;

[0063] Figure 6 is a schematic diagram of the main modules of the trading device according to an embodiment of the present invention;

[0064] Figure 7 is an exemplary system architecture diagram to which an embodiment of the present invention can be applied;

[0065] Figure 8 is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present invention. Detailed implementation manners

[0066] The following describes exemplary embodiments of the present invention with reference to the accompanying drawings. Various details of the embodiments of the present invention are included to facilitate understanding, and they should be considered merely exemplary. Therefore, those of ordinary skill in the art should recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the present invention. Similarly, for the sake of clarity and conciseness, the description below omits the description of well-known functions and structures.

[0067] It should be noted that the terms "first", "second", etc. in the specification and claims of this application and the above-mentioned drawings are used to distinguish similar objects, and do not necessarily describe a specific order or sequence. It should be understood that such data can be interchanged under appropriate circumstances so that the embodiments of this application described herein can be implemented in an order other than those illustrated or described herein. The embodiments described in the following exemplary embodiments do not represent all embodiments consistent with this application. On the contrary, they are merely examples of devices and methods consistent with some aspects of this application as detailed in the appended claims.

[0068] In addition, in the description of the embodiments of the present disclosure, unless otherwise specified, " / " means "or". For example, A / B can mean A or B. The "and / or" herein is merely a description of the association relationship of associated objects, indicating that three relationships can exist. For example, A and / or B can mean: A exists alone, A and B exist simultaneously, and B exists alone. In addition, in the description of the embodiments of the present disclosure, "a plurality of" means two or more than two.

[0069] It should be noted that in the technical solutions disclosed by the present invention, in aspects such as the collection, gathering, updating, analysis, processing, use, transmission, and storage of users' personal information, they all comply with the provisions of relevant laws and regulations, are used for legal purposes, and do not violate public order and good customs. Necessary measures are taken for users' personal information to prevent illegal access to users' personal information data, and to safeguard the security of users' personal information, network security, and national security.

[0070] With the continuous development of computer technology and information security technology, the application scenarios of digital wallets are becoming increasingly wide, and the usage scenarios are becoming increasingly rich. In order to ensure the display of transaction information during transactions and the display of balance and other information after transactions are completed, hardware wallets often have a visualization function, and the use of such visual hardware wallets is becoming more and more widespread. However, in the current usage environment and payment ecological structure, the user experience of using the visualization function of visual hardware wallets is poor.

[0071] After a large number of user studies, we creatively found that one of the important reasons for the above problems is that users cannot accurately and clearly perceive the changes in the information displayed by the visualization module. This leads to the situation that even if the information displayed by the visualization module is not accurately updated due to various reasons (such as network jitter, the visual hardware wallet being taken away in advance, etc.), users are difficult to notice, and ultimately the information displayed by the visual hardware wallet may be inaccurate.

[0072] In view of the above technical problems, the present application provides a transaction method. The visual hardware wallet sends transaction information and performs a first update operation. The visual hardware wallet updates the display content on the visualization module through the first update operation. The transaction information is sent to the background through the acceptance terminal. The background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal. The acceptance terminal sends the echo instruction to the visual hardware wallet. The visual hardware wallet performs a second update operation according to the echo instruction to update the display content on the visualization module. After the visual hardware wallet responds to the transaction request initiated by the acceptance terminal, the visual hardware wallet sends transaction information and performs a first update operation to update the display content on the visualization module. The change in the display content on the visualization module prompts the user that the visual hardware wallet is in operation. And after the visual hardware wallet receives the echo instruction, it performs a second update operation to update the display content on the visualization module. The user can view the transaction result after receiving the display content updated by the second update operation. If the first update operation or the second update operation is not triggered, the user can clearly perceive that the content displayed on the current visualization module may be inaccurate. The two updates ensure that the user can clearly perceive the change in the display information on the visualization module during the process of using the visual hardware wallet for transactions, improving the user experience during transactions. And it further helps the user judge whether the content displayed on the visualization module is the updated content, enhancing the user experience.

[0073] The following briefly introduces the implementation environment (implementation architecture) involved in the method provided by the present application.

[0074] The transaction method provided by the embodiments of the present application can be applied to a transaction system. Figure 1 It is a schematic structural diagram of a transaction system according to an embodiment of the present invention; as Figure 1 shown, the transaction system includes a visual hardware wallet 11, an acceptance terminal 12, and a background 13. Among them, the visual hardware wallet 11 and the acceptance terminal 12 can be connected wirelessly, and the acceptance terminal 12 and the background 13 can be connected by wire or wirelessly to realize the interaction of data information among the visual hardware wallet 11, the acceptance terminal 12, and the background 13.

[0075] A hardware wallet refers to a carrier of digital RMB equipped with a security module. The manifestation form of the medium of the security module of the hardware wallet is not limited and can be a SIM card, a bank card, a full-terminal eSE, etc. As the carrier for the application of the hardware wallet, the medium must be tested by the testing institutions designated by the People's Bank of China. The visual hardware wallet 11 is a hardware wallet with a visualization function. The realization of the visualization function can be a visualization device independently equipped for the hardware wallet or a visualization device (such as a mobile phone screen, a tablet computer screen, etc.) possessed by the medium that serves as the carrier for the application of the hardware wallet. The visualization device can be in the form of a screen, such as an electronic screen (such as a segment code screen, a dot matrix screen, etc.), an ink screen, etc.; or it can be displayed by applying virtual display technology (such as holographic projection, etc.).

[0076] The acceptance terminal 12 refers to the terminal device for accepting DC / EP services, including POS, ATM, etc. The DC / EP service refers to the digital currency / electronic payment service, which is used to support the technical ecosystem for the operation of digital RMB. The acceptance terminal 12 interacts with the hardware wallet, obtains payment information and transmits it to the institutional back-end.

[0077] The system of the back-end 13 includes the acquirer back-end, the payer back-end, the interconnection platform, etc. for transaction information transmission, transaction information verification, receipt and payment, etc.; and is responsible for providing hardware wallet functions, such as personal and data, wallet management, receipt and payment transactions, etc.

[0078] Figure 2 is one of the flowcharts of the transaction method according to an embodiment of the present invention; in some embodiments, the above-mentioned transaction method can be applied to a transaction system as shown in Figure 1 such as the visual hardware wallet 11, the acceptance terminal 12, and the back-end 13, or can also be applied to other similar devices.

[0079] Such as Figure 2 shown, the transaction method provided by the embodiment of the present application includes the following S201-S207.

[0080] S201: The acceptance terminal sends a transaction instruction to the visual hardware wallet.

[0081] S202: The visual hardware wallet generates transaction information according to the transaction instruction.

[0082] As a possible implementation, the transaction information may include information such as user identification, payee identification, digital currency identification, transaction amount, transaction count counter, carrier capability identification, terminal random number, verification code MAC, etc. The user identification is the identification information of the user corresponding to the visual hardware wallet; the payee identification is the identification information of the payee corresponding to the acceptance terminal; the transaction count counter indicates the remaining number of offline transactions; the carrier capability information can be reflected by the carrier capability identification, and the carrier capability information is configured to characterize whether the visual hardware wallet has a display capability; the terminal random number is used for comparison to prevent transaction replay; the verification code MAC is used for information verification. The above specific transaction information will be described in detail in the subsequent corresponding scenarios and will not be elaborated here.

[0083] S203: The visual hardware wallet sends the transaction information and performs a first update operation; the visual hardware wallet sends the transaction information to the acceptance terminal; the visual hardware wallet includes a visualization module, and the first update operation is used to update the display content on the visualization module.

[0084] In one embodiment of the present invention, the first update operation is to clear the display content of the visualization module, and clearing the display content of the visualization module means partially clearing or completely emptying the display content on the visualization module. By performing the content clearing operation, it can ensure that the user can feel the successful establishment of the transaction communication between the visual hardware wallet and the acceptance terminal in real time during use, and at the same time ensure that the subsequent display refresh of the visualization module is more prominent. In another embodiment of the present invention, the first update operation is to replace the display content on the visualization module, such as replacing the display content with custom content such as "Transaction in progress", "Processing", "Please wait", "Transaction is in progress", "Transaction is in progress, do not leave", etc., or displaying pattern identifiers, such as the digital currency icon, the operating bank logo, the merchant trademark, the merchant name or the abbreviation of the merchant name.

[0085] In one embodiment of the present invention, the visual hardware wallet includes a visualization interface; the visualization interface is an interface for connecting the visualization module with other systems or applications; through this interface, the visualization module can be easily integrated into the hardware wallet system or hardware wallet application to realize functions such as visual display and interaction of data; the visualization interface usually follows certain specifications and standards to ensure interoperability and compatibility between different systems or applications.

[0086] In some embodiments of the present invention, the visual hardware wallet performs a first update operation, including: the visual hardware wallet includes a visualization interface; when decrypting the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, or after that, the visual hardware wallet calls the visualization interface according to the transaction amount information, balance information, QR code information, and / or transaction details information to perform a second update operation. Directly using the transaction amount information, balance information, QR code information, and / or transaction details information can shorten the information processing time and ensure that the second update operation is executed more quickly.

[0087] S204: The acceptance terminal sends the transaction information to the background.

[0088] After receiving the transaction information, the acceptance terminal transfers the transaction information to the background, and the background processes the transaction according to the transaction information.

[0089] S205: The background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal.

[0090] As a possible implementation, the transaction information includes a user identifier and a transaction amount. The account information corresponding to the visual hardware wallet can be obtained through the background. The account information contains an account amount, and the balance can be determined through the transaction amount included in the transaction information. As another possible implementation, after receiving the transaction information sent by the acceptance terminal, the background processes the transaction according to the specific information included in the transaction information. After performing operations such as deducting the amount according to the transaction amount and the account information stored in the background, an echo instruction is generated.

[0091] As a possible implementation, after receiving the transaction information sent by the acceptance terminal, the background performs judgment and verification operations according to the specific information included in the transaction information; for example, judging and identifying the visual hardware wallet by using the included carrier capability identification information; performing a security verification operation by using the included check code MAC information; establishing the relationship between the visual hardware wallet and the corresponding account in the background by using the included user identifier information, payee identifier information, and digital currency identifier information to find the user wallet, changing the account balance, and recording the transaction information; judging whether the hardware wallet has reached the transaction times limit by using the included transaction times counter information.

[0092] S206: The acceptance terminal sends the echo instruction to the visual hardware wallet.

[0093] Among them, the echo instruction contains information about the display content to be updated by the second update operation.

[0094] S207: The visual hardware wallet performs a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

[0095] As a possible implementation, the transaction information includes a user identifier, a transaction amount, a transaction count counter, and a payee identifier; then the echo instruction correspondingly includes transaction amount information, balance information, QR code information, and / or transaction details information, and the transaction amount information, balance information, QR code information, and / or transaction details information are encrypted by the background; after the acceptance terminal sends the echo instruction to the visual hardware wallet, the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details; the display content updated by the second update operation includes the transaction amount, balance, QR code, and / or transaction details. Among them, the QR code is a content form that can be displayed by the visualization module, and the information contained in the QR code can be transaction status, merchant status, transaction amount, balance, invoicing website, invoicing information, etc. (which can be obtained by scanning with terminals such as mobile phones and iPads); the transaction details can display the transaction status, merchant status, remaining offline transaction times, etc. in text form.

[0096] In some embodiments of the present invention, the visual hardware wallet includes a visualization interface; after the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, the visual hardware wallet calls the visualization interface according to the transaction amount information, balance information, QR code information, and / or transaction details information, that is, it can be called by the information corresponding to the content to be displayed on the visualization module, and performs the second update operation.

[0097] The above embodiments provided by the present application have the following advantages or beneficial effects: According to the transaction method provided by the embodiments of the present application, it is applied to a transaction system. The visible hardware wallet sends transaction information and performs a first update operation. The visible hardware wallet updates the display content on the visualization module through the first update operation; the transaction information is sent to the background through the acceptance terminal, the background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal, the acceptance terminal sends the echo instruction to the visible hardware wallet, and the visible hardware wallet performs a second update operation according to the echo instruction to update the display content on the visualization module. After the transaction is established, the visible hardware wallet sends transaction information and performs a first update operation to update the display content on the visualization module, prompting the user that the visible hardware wallet is in operation; and performs a second update operation to update the display content on the visualization module after the visible hardware wallet receives the echo instruction. The user can view the transaction result after receiving the display content updated by the second update operation; the two updates ensure that the user can clearly perceive the change of the display information on the visualization module during the process of using the visible hardware wallet for transactions, improving the usage experience of the visible hardware wallet during the transaction process; and further helping the user determine whether the content displayed on the visualization module is the updated content, improving the user experience.

[0098] In some embodiments of the present invention, before the acceptance terminal sends a transaction instruction to the visible hardware wallet, the visible hardware wallet negotiates features with the acceptance terminal in response to a transaction request initiated by the acceptance terminal to generate a first piece of information, and sends the first piece of information to the acceptance terminal; the acceptance terminal sends a transaction instruction to the visible hardware wallet according to the first piece of information. Figure 3 It is the second flowchart of the transaction method of an embodiment of the present invention; as Figure 3 shown, the transaction method provided by the embodiments of the present application may further include the following S301-S308.

[0099] S301: The visible hardware wallet responds to a transaction request initiated by the acceptance terminal.

[0100] The acceptance terminal initiates a transaction request. The user holds the visible hardware wallet to respond to the transaction request initiated by the acceptance terminal. The interaction method between the acceptance terminal and the visible hardware wallet can be contact or non-contact (such as NFC, Bluetooth, etc.).

[0101] After the visible hardware wallet receives the transaction request initiated by the acceptance terminal, the two parties to the transaction (the visible hardware wallet and the acceptance terminal) send a feature negotiation instruction. The method further includes S302: The visible hardware wallet receives a capability negotiation request sent by the acceptance terminal; and S303: Generates a first piece of information according to the capability negotiation request and sends the first piece of information to the acceptance terminal; wherein, the first piece of information includes transaction mode information.

[0102] In the field of digital currency, feature negotiation refers to classifying the key capabilities involved in various business models, technical implementation solutions, and hardware media forms (such as card wallets, smart watches, mobile terminals, bracelets, POS machines, IC cards, ATMs, etc.) of hardware wallets. Each institution achieves interoperability among institutions according to the requirements of capability interaction and feature negotiation, and some of the functions can be implemented according to business needs during the implementation process. For example, the feature negotiation instruction can include the identifiers of the digital currency operating institutions corresponding to the two parties (or multiple parties) of the transaction. Through the feature negotiation information, it can be determined whether the transaction is carried out between the same digital currency operating institutions or between different digital currency operating institutions. By way of example, the feature negotiation information can include information such as the operating institution identifier G corresponding to the digital currency wallet account opened by the seller and the operating institution identifier H corresponding to the digital currency wallet account of the buyer. After obtaining the feature negotiation information in the hardware carrier of the digital currency wallet, the execution entity sends the transaction application to the background, and the background sends it to the corresponding digital currency operating institution after encryption processing. The corresponding digital currency operating institution decrypts the received message and completes the deduction process, and returns the result to the execution entity. Feature negotiation can include parameters such as expression version information, application version information, transaction mode, terminal type, and networking ability. Through the feature negotiation process, the selection of a fast transaction mode can be realized.

[0103] In some embodiments of the present invention, the capability negotiation request includes content such as transaction mode, version number, etc.; the transaction mode includes online or offline, dual online, single offline, dual offline, and the version number is the transaction negotiation version number. The visual hardware wallet receives the capability negotiation request sent by the acceptance terminal, negotiates capabilities with the acceptance terminal to obtain the first information, and sends the first information to the acceptance terminal; among them, the first information returned by the visual hardware wallet is the negotiation result and its own capability information, such as including carrier capability, transaction mode, version number, matching result, etc. The carrier capability information included in the first information is used to verify that the visual hardware wallet has a display capability. Verifying that the visual hardware wallet has a display capability can be used to determine whether the current visual hardware wallet has a visualization module, or can also be used to determine whether the visualization module of the current visual hardware wallet is working properly.

[0104] After the receiving terminal receives the first information sent by the visual hardware wallet, the method further includes S304: The receiving terminal makes judgments and processes according to the received first information. In some embodiments of the present invention, the receiving terminal making judgments according to the received first information may include judging the matching result between the receiving terminal and the visual wallet, selecting the transaction mode of the transaction, recording the visual capabilities of the visual hardware wallet, etc. Among them, the receiving terminal may first judge according to the matching result in the first information whether the transaction matching is successful, and then make judgments on other capabilities. If the matching result is a successful match, the receiving terminal sends a transaction instruction to conduct the transaction and sends an instruction to obtain transaction information to the visual hardware wallet according to the transaction mode information. Recording the visual capabilities of the visual hardware wallet may be determined according to the carrier capability information included in the first information. The carrier capability information is configured to characterize whether the visual hardware wallet has a display capability. It can be understood that on the one hand, the carrier capability information can be used to verify whether the hardware wallet includes a visualization module, and on the other hand, it can also be used to characterize whether the visualization function of the visualization module of the visual hardware wallet is in good use, can be successfully lit and display content and refresh content, etc.

[0105] In some embodiments of the present invention, after the visual hardware wallet receives the instruction to obtain transaction information, it returns transaction information according to the instruction to obtain transaction information. Before the transaction information is sent from the visual hardware wallet to the receiving terminal, the visual hardware wallet and the receiving terminal have conducted multiple rounds of communication, and the information interacted may be sent from the receiving terminal to the visual hardware wallet and then sent from the visual hardware wallet to the receiving terminal. Through verification on the receiving terminal side, the accuracy of the information is ensured. For example, the transaction amount is determined on the receiving terminal side and sent to the visual hardware wallet side. When the visual hardware wallet transmits the transaction information to the receiving terminal, the transaction amount is returned to the receiving terminal again, and the receiving terminal will verify the transaction amount again to verify whether the transaction amount is accurate.

[0106] The background receives the transaction information, and the background executes S305: processes the transaction information to obtain a transaction result and generates an echo instruction according to the transaction information.

[0107] As a possible implementation manner, the echo instruction includes transaction amount information, balance information, QR code information, and / or transaction details information, and the transaction amount information, balance information, QR code information, and / or transaction details information are encrypted by the background. Encrypting to obtain the transaction amount information, balance information, QR code information, and / or transaction details information includes S3051 - S3053.

[0108] S3051: Encrypt the transaction amount, balance, QR code, and / or transaction details with a first key to obtain ciphertext.

[0109] Among them, the first is the key for the transaction encryption process. Under the control of the first key, the transaction amount, balance, QR code, and / or transaction details are transformed using an encryption algorithm. The transaction amount, balance, QR code, and / or transaction details are processed to obtain ciphertext, achieving the purpose of hiding the information content.

[0110] S3052: Calculate the MAC value from the ciphertext using the second key.

[0111] Among them, the second key is the MAC process key, and the MAC value is obtained by calculating and processing the obtained ciphertext using the MAC process key.

[0112] S3053: Obtain the transaction amount information, balance information, QR code information, and / or transaction details information based on the ciphertext and the MAC value.

[0113] Among them, the ciphertext obtained according to S3051 and the MAC value obtained according to S3052 are processed to obtain the transaction amount information, balance information, QR code information, and / or transaction details information. For example, for the generation process of the transaction amount information, it is illustrated as follows. The ciphertext of the transaction amount obtained according to S3051 and the MAC value of the transaction amount obtained according to S3052 are processed to obtain the transaction amount information. That is to say, the transaction amount information includes both the information of the ciphertext of the transaction amount and the MAC value of the transaction amount. The generation processes of the balance information, QR code information, and transaction details information are the same as that of the transaction amount information and will not be elaborated here.

[0114] In an embodiment of the present invention, in S3051, the transaction amount, balance, QR code, and / or transaction details are processed to obtain the ciphertext as a whole consideration; in S3052, the MAC value is calculated from the ciphertext as one; in S3053, the transaction amount information, balance information, QR code information, and / or transaction details information are obtained based on the ciphertext and the MAC value. In another embodiment of the present invention, in S3051, according to the actual existence of the transaction amount, balance, QR code, and transaction details, the transaction amount, balance, QR code, and transaction details are respectively processed to obtain the corresponding ciphertext; for example, if the existing information is the transaction amount and balance, the transaction amount and balance are respectively processed to obtain the corresponding ciphertext (two ciphertexts); in S3052, the MAC value is calculated from the ciphertext; as in the above example, the corresponding MAC values (two MAC values) are calculated from the two ciphertexts respectively; in S3053, the transaction amount information, balance information, QR code information, and / or transaction details information are obtained based on the ciphertext and the MAC value; as in the above example, the transaction amount information and balance information are obtained based on the ciphertext (two ciphertexts) and the MAC value (two MAC values, corresponding one by one to the two ciphertexts).

[0115] When sending the echo instruction to the acceptance terminal in the background, the background simultaneously executes S306: sending the transaction result to the acceptance terminal. The transaction result is presented on the acceptance terminal, and the presentation method can be visual display, such as screen display, etc., or voice broadcast display, etc.; the content of the transaction result can be to prompt successful transaction or failed transaction, specific transaction amount, etc. By presenting the transaction result on the acceptance terminal, it is convenient for merchants to obtain the transaction result.

[0116] After the echo instruction is sent from the acceptance terminal to the visual hardware wallet, the method includes S308: the visual hardware wallet decrypts the echo instruction and performs a second update operation.

[0117] As a possible implementation, the echo instruction contains transaction amount information, balance information, QR code information, and / or transaction details information. The visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, including S3081 - S3082.

[0118] S3081: The visual hardware wallet uses a second key to verify the MAC value contained in the echo instruction received by the visual hardware wallet.

[0119] Among them, after the visual hardware wallet receives the echo instruction sent by the acceptance terminal, it verifies the MAC value contained in the received echo instruction to ensure the integrity of the transmitted information. The verification process uses a second key (i.e., the MAC process key) for verification. If the verification fails, it means that the transmitted information has been intercepted, tampered with, or forged, and a prompt is made.

[0120] S3082: If the verification is passed, the ciphertext is decrypted by a third key to obtain the transaction amount, balance, QR code, and / or transaction details; among them, the third key is the key for decryption corresponding to the first key.

[0121] Among them, if the verification of the MAC value contained in the echo instruction is passed, a decryption operation is performed, and the ciphertext form of the transaction amount, balance, QR code, and / or transaction details is decrypted by a third key to obtain the plaintext of the transaction amount and / or balance; the third key is the key for decryption corresponding to the first key.

[0122] After a large number of user studies, we creatively found that, for example, in the following scenario: the information is intercepted, resulting in the display of information such as the amount being tampered with. During the transaction process of the visual hardware wallet, it involves the transmission of payment information, transaction information, transaction results, and other information, and there is a risk of being maliciously intercepted and tampered with during the process.

[0123] In view of the above technical problems, the present application provides a transaction method. The background receives transaction information and generates an echo instruction according to the transaction information. The echo instruction includes transaction amount information, balance information, QR code information, and / or transaction details information obtained by the background performing an encryption operation; the visual hardware wallet decrypts the transaction amount information, balance information, QR code information, and / or transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details; the visual hardware wallet calls the visualization module interface according to the transaction amount information, balance information, QR code information, and / or transaction details information to perform a second update operation, and updates the display content on the visualization module through the second update operation. The updated display content includes the transaction amount, balance, QR code, and / or transaction details. Through the encrypted transmission of the transaction amount, balance, QR code, and / or transaction details by the background and the decryption of the transaction amount, balance, QR code, and / or transaction details at the visual hardware wallet end, the tampering of the amount display is avoided, and the visual hardware wallet can correctly display information such as the balance according to the requirements, improving the user experience.

[0124] In some embodiments of the present invention, the encryption technology adopted may be symmetric cryptography or asymmetric cryptography. Symmetric cryptography is a cryptographic technology in which the transformation of the original sender and the transformation of the receiver both use the same secret key, that is, the first key and the third key are the same secret key. Asymmetric decoding technology refers to an encryption algorithm that uses different keys for encryption and decryption. The public key (i.e., the first key) is used for encryption, and the private key (i.e., the third key) is used for decryption.

[0125] In some embodiments of the present invention, it further includes S307: Before updating the display content on the visualization module through the second update operation, if it is detected that the communication connection between the visual hardware wallet and the acceptance terminal fails, a proximity prompt is issued. The proximity prompt is used to prompt the visual hardware wallet to perform an operation of approaching the acceptance terminal.

[0126] The consistency between the visual hardware wallet and the background information is poor, and the information displayed on the visual hardware wallet is inaccurate. For example, in the scenario where the display of information such as the amount cannot be correctly displayed due to the failure of communication establishment. The process of transaction and payment relies on the communication connection between ends. If abnormal situations such as the visual hardware wallet taking away in advance or network jitter occur, resulting in the communication connection terminal, it will cause the visual hardware wallet to be unable to update the correct information in a timely manner when displaying information. For example, the information displayed on the visual hardware wallet is still the original balance, which is inconsistent with the actual amount, causing trouble to the user. In response to this, the communication connection between the visual hardware wallet and the acceptance terminal is detected in real time by the transaction terminal. Once it is detected that the communication connection fails, a proximity prompt is issued to prompt the visual hardware wallet to perform an operation of approaching the acceptance terminal. Ensure that information such as the amount can be correctly displayed.

[0127] Figure 4It is a schematic structural diagram of a visual hardware wallet in a transaction system according to an embodiment of the present invention; Figure 5 is Figure 4 a schematic diagram of the interface change during an example transaction by the visualization module in; Figure 5 (a) is a schematic diagram of the interface of the visualization module before the first update operation; Figure 5 (b) is a schematic diagram of the interface of the visualization module after the first update operation and before the second update operation; Figure 5 (c) is a schematic diagram of the interface of the visualization module after the second update operation. As Figure 4 、 5 (a)-(c) show that, in an embodiment of the present invention, the visual hardware wallet 11 includes a visualization module 111, and the visualization module 111 may be a display screen. During an example transaction, the visual hardware wallet 11 responds to the acceptance terminal, the visualization module 111 is lit, and the displayed content is as Figure 5 (a) shows, the visualization module displays "Balance: 100", "Offline available times: 98"; the visual hardware wallet sends transaction information and performs a first update operation to update the displayed content on the visualization module as Figure 5 (b) shows, the visualization module displays "Transaction in progress, do not leave"; the visual hardware wallet performs a second update operation according to the echo instruction to update the displayed content on the visualization module as Figure 5 (c) shows, the visualization module displays "Transaction amount "5.2", "Balance: 94.8", "Offline available times: 97". The user determines the accuracy of the displayed content on the visualization module through the clear change of the interface display content.

[0128] The above mainly introduces the solution provided by the embodiments of the present application from the perspective of methods. To implement the above functions, the visual hardware wallet, the acceptance terminal, and the background include the corresponding hardware structures and / or software modules for executing each function. Those skilled in the art should easily realize that, combining the units and algorithm steps of each example described in the embodiments disclosed in this article, the present application can be implemented in the form of hardware or a combination of hardware and computer software. Whether a certain function is executed in the way of hardware or computer software driving hardware depends on the specific application and design constraints of the technical solution. Professional technicians can use different methods to implement the described functions for each specific application, but such implementation should not be considered to exceed the scope of the present application.

[0129] The embodiments of the present application can, according to the above method, exemplarily divide the functional modules of the visual hardware wallet. For example, the visual hardware wallet can include various functional modules corresponding to each functional division, or two or more functions can be integrated into one processing module. The above integrated module can be implemented in the form of hardware or in the form of a software functional module. It should be noted that the division of modules in the embodiments of the present application is illustrative, only a logical functional division, and there can be other division methods in actual implementation.

[0130] For example, Figure 6 is a schematic diagram of the main modules of a transaction device according to an embodiment of the present invention; The embodiments of the present application also provide a transaction device, which is applied to the visual hardware wallet 11 and includes:

[0131] A visualization module 111;

[0132] A communicator 112, configured to communicate with an acceptance terminal 12;

[0133] At least one processor 113, configured to:

[0134] Control the communicator 112 to receive a transaction instruction sent by the acceptance terminal 12, and generate transaction information according to the transaction instruction;

[0135] Execute a first update operation and control the communicator 112 to send the transaction information to the acceptance terminal 12; The first update operation is used to update the display content on the visualization module 111; Control the communicator 112 to receive an echo instruction sent by the acceptance terminal 12; The echo instruction is received by the background from the transaction information sent by the acceptance terminal 12 and generated according to the transaction information, and the echo instruction is sent by the background to the acceptance terminal 12;

[0136] Execute a second update operation according to the echo instruction; The second update operation is used to update the display content on the visualization module 111.

[0137] Regarding the device in the above embodiments, the specific manner in which each module performs operations has been described in detail in the embodiments related to the method, and will not be elaborated here.

[0138] Figure 7 is an exemplary system architecture diagram to which the embodiments of the present invention can be applied; As Figure 7 shown, the system architecture 700 can include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 is used to provide a medium for communication links between the terminal devices 701, 702, 703 and the server 705. The network 704 can include various connection types, such as wired, wireless communication links, or fiber optic cables, etc.

[0139] Users can interact with server 705 via network 704 using terminal devices 701, 702, and 703 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 701, 702, and 703, such as financial applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (for example only).

[0140] Terminal devices 701, 702, and 703 can be various electronic devices with a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop computers, desktop computers, and so on.

[0141] Server 705 can be a server that provides various services, such as a background management server that supports the websites browsed by users using terminal devices 701, 702, and 703 (for example only). The background management server can analyze and process the received data and feedback the processing results to the terminal devices.

[0142] It should be noted that the trading method provided by the embodiments of the present invention is generally executed by server 705. Correspondingly, the trading device is generally disposed in server 705.

[0143] It should be understood that Figure 7 the numbers of terminal devices, networks, and servers in

[0144] are merely illustrative. According to actual needs, there can be any number of terminal devices, networks, and servers. Figure 8 The following refers to Figure 8 which shows a schematic structural diagram of a computer system 800 of a terminal device or a server suitable for implementing the embodiments of the present invention.

[0145] As Figure 8 shown, computer system 800 includes a central processing unit (CPU) 801, which can perform various appropriate actions and processes according to the program stored in the read-only memory (ROM) 802 or the program loaded from the storage section 808 into the random access memory (RAM) 803. In RAM 803, various programs and data required for the operation of system 800 are also stored. CPU 801, ROM 802, and RAM 803 are connected to each other via a bus 804. The input / output (I / O) interface 805 is also connected to the bus 804.

[0146] The following components are connected to the I / O interface 805: an input section 806 including a keyboard, a mouse, etc.; an output section 807 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc. and a speaker, etc.; a storage section 808 including a hard disk, etc.; and a communication section 809 including a network interface card such as a LAN card, a modem, etc. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to the I / O interface 805 as needed. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. is mounted on the drive 810 as needed so that a computer program read therefrom is installed into the storage section 808 as needed.

[0147] Specifically, according to an embodiment disclosed by the present invention, the process described above with reference to the flowchart can be implemented as a computer software program. For example, an embodiment disclosed by the present invention includes a computer program product which includes a computer program carried on a computer-readable medium, and the computer program includes program codes for performing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication section 809, and / or installed from the removable medium 811. When the computer program is executed by a central processing unit (CPU) 801, the above functions defined in the system of the present invention are executed.

[0148] It should be noted that the computer-readable medium shown in the present invention can be a computer-readable signal medium, a computer-readable storage medium, or any combination of the above two. A computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination of the above. More specific examples of a computer-readable storage medium can include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, a hard disk, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present invention, a computer-readable storage medium can be any tangible medium that contains or stores a program, and this program can be used by or in conjunction with an instruction execution system, apparatus, or device. In the present invention, a computer-readable signal medium can include a data signal propagated in a baseband or as part of a carrier wave, which carries computer-readable program code. Such a propagated data signal can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium, and this computer-readable medium can 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 a computer-readable medium can be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

[0149] The flowcharts and block diagrams in the accompanying drawings illustrate the possible architectures, functions, and operations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram can represent a module, a program segment, or a part of code, and the above module, program segment, or part of code contains one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions marked in the blocks can occur in a different order than that marked in the accompanying drawings. For example, two consecutive blocks shown can actually be executed substantially in parallel, and they can sometimes be executed in the reverse order, depending on the functions involved. It should also be noted that each block in the block diagram or flowchart, and the combination of blocks in the block diagram or flowchart, can be implemented by a dedicated hardware-based system for performing the specified functions or operations, or can be implemented by a combination of dedicated hardware and computer instructions.

[0150] As another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or may exist separately without being assembled into the device. The above computer-readable medium carries one or more programs. When the one or more programs are executed by the device, the device includes: a visual hardware wallet that responds to a transaction request initiated by an acceptance terminal; the visual hardware wallet sends transaction information and performs a first update operation; the visual hardware wallet sends the transaction information to the acceptance terminal; the visual hardware wallet includes a visualization module, and the first update operation is used to update the display content on the visualization module; the acceptance terminal sends the transaction information to the background; the background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal; the acceptance terminal sends the echo instruction to the visual hardware wallet; the visual hardware wallet performs a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

[0151] According to the technical solution of the embodiment of the present invention, the visual hardware wallet sends transaction information and performs a first update operation. The visual hardware wallet updates the display content on the visualization module through the first update operation; the transaction information is sent to the background through the acceptance terminal, the background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal, the acceptance terminal sends the echo instruction to the visual hardware wallet, and the visual hardware wallet performs a second update operation according to the echo instruction to update the display content on the visualization module. After the visual hardware wallet responds to the transaction request initiated by the acceptance terminal, the visual hardware wallet sends transaction information and performs a first update operation to update the display content on the visualization module. The change in the display content on the visualization module prompts the user that the visual hardware wallet is in operation; and after the visual hardware wallet receives the echo instruction, it performs a second update operation to update the display content on the visualization module. The user can view the transaction result after receiving the display content updated by the second update operation. If the first update operation or the second update operation is not triggered, the user can clearly perceive that the content currently displayed on the visualization module may be inaccurate; the two updates ensure that the user can clearly perceive the change in the display information on the visualization module during the process of using the visual hardware wallet for transactions, improving the user experience during the transaction process of the visual hardware wallet; and further helping the user determine whether the content displayed on the visualization module is the updated content, improving the user experience.

[0152] The above specific embodiments do not constitute a limitation on the protection scope of the present invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims

1. A trading method, characterized in that, including; The acceptance terminal sends a transaction instruction to the visual hardware wallet; The visual hardware wallet generates transaction information according to the transaction instruction; The visual hardware wallet sends the transaction information and performs a first update operation; wherein, the visual hardware wallet sends the transaction information to the acceptance terminal; the visual hardware wallet includes a visualization module, and the first update operation is used to update the display content on the visualization module; The acceptance terminal sends the transaction information to the background; The background generates an echo instruction according to the transaction information and sends the echo instruction to the acceptance terminal; The acceptance terminal sends the echo instruction to the visual hardware wallet; The visual hardware wallet performs a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

2. The trading method according to claim 1, characterized in that The transaction information includes the transaction amount; the echo instruction contains transaction amount information, balance information, QR code information, and / or transaction details information, and the transaction amount information, the balance information, the QR code information, and / or the transaction details information are encrypted by the background; After the acceptance terminal sends the echo instruction to the visual hardware wallet, the visual hardware wallet decrypts the transaction amount information, the balance information, the QR code information, and / or the transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details; the display content updated by the second update operation includes the transaction amount, the balance, the QR code, and / or the transaction details.

3. The trading method according to claim 2, characterized in that, The visual hardware wallet includes a visualization interface; the visual hardware wallet calls the visualization interface according to the transaction amount information, the balance information, the QR code information, and / or the transaction details information to perform the second update operation.

4. The trading method according to claim 2, wherein The background obtains the transaction amount information, the balance information, the QR code information, and / or the transaction details information by performing the following encryption operation steps: The background encrypts the transaction amount, balance, QR code, and / or transaction details with a first key to obtain ciphertext; The background calculates a MAC value from the ciphertext with a second key; The background obtains the transaction amount information, the balance information, the QR code information, and / or the transaction details information according to the ciphertext and the MAC value.

5. The trading method according to claim 4, wherein The visual hardware wallet decrypts the transaction amount information, the balance information, the QR code information, and / or the transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, including: The visual hardware wallet uses the second key to verify the MAC value included in the received echo instruction; If the verification is passed, the visual hardware wallet decrypts the ciphertext with a third key to obtain the transaction amount, balance, QR code, and / or transaction details; wherein, the third key is the decryption key corresponding to the first key.

6. The trading method according to claim 1, characterized in that, The visual hardware wallet includes a visualization interface; the visual hardware wallet performs a first update operation, including: the visual hardware wallet calls the visualization interface to perform the first update operation.

7. The trading method according to claim 1, wherein The first update operation is to clear the display content of the visualization module or replace the display content on the visualization module; where clearing the display content of the visualization module is to partially clear or completely empty the display content on the visualization module.

8. The trading method according to claim 1, characterized in that, The transaction information includes the transaction amount; the background generates an echo instruction according to the transaction information, including: the background performs transaction processing according to the transaction information to generate an echo instruction; the transaction processing includes performing an amount deduction operation.

9. The trading method according to claim 1, characterized in that, Before the acceptance terminal sends a transaction instruction to the visual hardware wallet, it further includes: The visual hardware wallet negotiates features with the acceptance terminal in response to a transaction request initiated by the acceptance terminal to generate a first piece of information, and sends the first piece of information to the acceptance terminal; The acceptance terminal sends a transaction instruction to the visual hardware wallet according to the first piece of information.

10. The trading method according to claim 9, characterized in that, The first piece of information includes carrier capability information, and the carrier capability information is configured to characterize whether the visual hardware wallet has a display capability.

11. The trading method according to any one of claims 1-10, characterized in that, Before the visual hardware wallet performs a second update operation according to the echo instruction, if it is detected that the communication connection between the visual hardware wallet and the acceptance terminal fails, the acceptance terminal issues a proximity prompt, and the proximity prompt is used to prompt to bring the visual hardware wallet close to the acceptance terminal.

12. A trading method, characterized in that, Applied to a visual hardware wallet, it includes: The visual hardware wallet receives a transaction instruction sent by the acceptance terminal; The visual hardware wallet generates transaction information according to the transaction instruction; The visual hardware wallet sends the transaction information and performs a first update operation; the visual hardware wallet sends the transaction information to the acceptance terminal; the visual hardware wallet includes a visualization module, and the first update operation is used to update the display content on the visualization module; The visual hardware wallet receives the echo instruction sent by the acceptance terminal; the echo instruction is generated by the background after receiving the transaction information sent by the acceptance terminal, and the echo instruction is sent by the background to the acceptance terminal; The visual hardware wallet performs a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

13. The trading method according to claim 12, characterized in that, The transaction information includes the transaction amount; the echo instruction contains transaction amount information, balance information, QR code information, and / or transaction details information; after the visual hardware wallet receives the echo instruction sent by the acceptance terminal, the visual hardware wallet decrypts the transaction amount information, the balance information, the QR code information, and / or the transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details; the display content updated by the second update operation includes the transaction amount, the balance, the QR code, and / or the transaction details; wherein, the transaction amount information, the balance information, the QR code information, and / or the transaction details information are encrypted by the background.

14. The trading method according to claim 13, wherein The visual hardware wallet includes a visualization interface; after the visual hardware wallet decrypts the transaction amount information, the balance information, the QR code information, and / or the transaction details information to obtain the transaction amount, balance, QR code, and / or transaction details, the visual hardware wallet calls the visualization interface according to the transaction amount information, the balance information, the QR code information, and / or the transaction details information to perform the second update operation.

15. The trading method according to claim 12, characterized in that, The visual hardware wallet includes a visualization interface; the visual hardware wallet performs a first update operation, including: the visual hardware wallet calls the visualization interface to perform the first update operation.

16. The trading method according to claim 12, wherein The first update operation is to clear the display content of the visualization module or replace the display content on the visualization module; wherein, clearing the display content of the visualization module means partially clearing or completely emptying the display content on the visualization module.

17. The trading method according to any one of claims 12-16, characterized in that, Before the visual hardware wallet performs the second update operation according to the echo instruction, if the communication connection between the visual hardware wallet and the acceptance terminal fails, the visual hardware wallet can perform an operation of approaching the acceptance terminal according to the proximity prompt.

18. A trading device, characterized in that, Applied to a visual hardware wallet, including: A visualization module; A communicator configured to communicate with an acceptance terminal; At least one processor configured to: Control the communicator to receive a transaction instruction sent by the acceptance terminal and generate transaction information according to the transaction instruction; Perform a first update operation and control the communicator to send the transaction information to the acceptance terminal; the first update operation is used to update the display content on the visualization module; Control the communicator to receive an echo instruction sent by the acceptance terminal; the echo instruction is generated by the background after receiving the transaction information sent by the acceptance terminal, and the echo instruction is sent by the background to the acceptance terminal; Perform a second update operation according to the echo instruction; the second update operation is used to update the display content on the visualization module.

19. An electronic device, characterized in that, The electronic device includes: One or more processors; A storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the transaction method according to any one of claims 1-17.

20. A computer-readable medium having a computer program stored thereon, characterized in that, When the described program is executed by a processor, it implements the transaction method described in any one of claims 1-17.

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