Seamless docking system for mobile payment and digital currency

Abstract

The invention discloses a mobile payment and digital currency seamless connection system, which comprises a multi-mode payment module, an offline transaction engine and an edge calculation optimization engine, and is characterized in that the multi-mode payment module, the offline transaction engine and the edge calculation optimization engine are used for integrating NFC (Near Field Communication), a two-dimensional code and a central bank digital currency wallet function; compatible support of contact payment and offline transaction scenes between devices is realized, and a dual improvement architecture of payment success rate and transaction timeliness is constructed. According to the invention, by constructing a multi-mode payment fusion architecture and an edge computing enhanced offline transaction engine, dynamic protocol conversion, privacy computing and hardware-level security isolation technologies are creatively integrated, and the technical bottlenecks of an existing payment system in the aspects of network disaster tolerance, privacy protection intensity and cross-chain interoperability are broken through.

Description

Technical Field

[0001] The present invention relates to the technical field of self-service terminals, and in particular to a system for seamlessly connecting mobile payment and digital currency. Background Art

[0002] Traditional mobile payment solutions are limited by their strong network dependency and poor compatibility between digital currencies and existing payment systems. Offline transactions are prone to ledger synchronization delays and the risk of double-spending attacks. Existing technologies cannot guarantee transaction atomicity in offline environments, and cross-chain asset transfers present technical barriers, making it difficult to achieve seamless collaboration between central bank digital currencies and commercial payment tools. Summary of the Invention

[0003] The purpose of the present invention is to provide a mobile payment and digital currency seamless connection system in response to the above-mentioned problems in the prior art, thereby solving all or one of the above-mentioned problems in the prior art.

[0004] In order to solve the above technical problems, the specific technical solutions of the present invention are as follows: The present invention provides a mobile payment and digital currency seamless connection system, comprising: A multimodal payment module, an offline transaction engine, and an edge computing optimization engine are used to integrate NFC, QR code, and central bank digital currency wallet functions to achieve compatibility support between device contact payment and offline transaction scenarios, and to build an architecture that improves both payment success rate and transaction timeliness.

[0005] As an improved solution, a dynamic protocol conversion chip is deployed in the multimodal payment module to support real-time translation between NFC near-field communication and QR code visual code streams, and is compatible with international EMV standards and the central bank's digital currency offline transaction protocol.

[0006] As an improved solution, the offline transaction engine is used to build a lightweight ledger synchronization mechanism, adopting off-chain transaction verification technology based on hash time lock to complete the localized atomicity guarantee of digital currency transactions in a network-free environment.

[0007] As an improved solution, the edge computing optimization engine integrates a dynamic routing algorithm and a cache preloading strategy to achieve a transaction signature verification delay of less than 100 milliseconds through terminal device computing power resource pooling technology.

[0008] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with an adaptive network switching controller, which is used to automatically activate the Bluetooth Mesh network to relay payment instructions when it detects that the cellular network signal is weaker than the threshold, thereby ensuring transaction continuity in remote areas.

[0009] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a privacy-enhanced transaction verification module, which uses zero-knowledge proof and homomorphic encryption fusion technology to achieve two-way privacy protection of transaction amount and user identity in offline transaction scenarios.

[0010] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a hardware-level security chip isolation engine, which is used to physically isolate and store digital currency private keys through a trusted execution environment to resist malware side-channel attacks.

[0011] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a dynamic risk control decision tree engine, which is used to combine terminal device sensor data with user behavior characteristics to trigger localized compliance verification of the anti-money laundering rule engine before offline transactions.

[0012] As an improved solution, the seamless docking system for mobile payment and digital currency is also equipped with a cross-chain interoperability gateway, which is used to realize cross-chain asset mapping and liquidity interoperability between the central bank's digital currency and commercial institutions' digital wallets through heterogeneous blockchain middleware.

[0013] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a user behavior adaptive engine, which is used to analyze multi-terminal payment habits through a federated learning framework and dynamically optimize the payment interface interaction path and risk decision threshold.

[0014] The beneficial effects of the technical solution of the present invention are: by constructing a multimodal payment fusion architecture and an edge computing enhanced offline transaction engine, the present invention innovatively integrates dynamic protocol conversion, privacy computing and hardware-level security isolation technology, breaking through the technical bottlenecks of existing payment systems in terms of network disaster recovery capabilities, privacy protection strength and cross-chain interoperability. BRIEF DESCRIPTION OF THE DRAWINGS

[0015] In order to more clearly illustrate the specific embodiments of the present invention or the technical solutions in the prior art, the following briefly introduces the drawings required for use in the specific embodiments or the description of the prior art. Obviously, the drawings described below are some embodiments of the present invention. For ordinary technicians in this field, other drawings can be obtained based on these drawings without paying any creative work.

[0016] Figure 1 It is a schematic diagram of the architecture of the system for seamless integration of mobile payment and digital currency according to an embodiment of the present invention. DETAILED DESCRIPTION

[0017] The preferred embodiments of the present invention are described in detail below with reference to the accompanying drawings so that the advantages and features of the present invention can be more easily understood by those skilled in the art, thereby making a clearer and more precise definition of the protection scope of the present invention.

[0018] In the description of the present invention, it should be noted that the embodiments described in the present invention are only part of the embodiments of the present invention, rather than all of the embodiments; based on the embodiments of the present invention, all other embodiments obtained by ordinary technicians in this field without making any creative work are within the scope of protection of the present invention.

[0019] The terms "first," "second," and the like in the specification and claims herein and in the accompanying drawings are used to distinguish similar objects and are not necessarily used to describe a particular order or precedence. It should be understood that the terms used in this manner are interchangeable where appropriate so that the embodiments of the present invention described herein can be implemented in orders other than those illustrated or described herein. In addition, the terms "including" and "having," and any variations thereof, are intended to cover non-exclusive inclusions. For example, a process, method, apparatus, product, or device comprising a series of steps or units is not necessarily limited to those steps or units explicitly listed, but may include other steps or units not explicitly listed or inherent to such process, method, product, or device.

[0020] Embodiment, this embodiment provides a mobile payment and digital currency seamless docking system, such as Figure 1 Shown, including: A multimodal payment module, an offline transaction engine, and an edge computing optimization engine are used to integrate NFC, QR code, and central bank digital currency wallet functions to achieve compatibility support between device contact payment and offline transaction scenarios, and to build an architecture that improves both payment success rate and transaction timeliness.

[0021] As an improved solution, a dynamic protocol conversion chip is deployed in the multimodal payment module to support real-time translation between NFC near-field communication and QR code visual code streams, and is compatible with international EMV standards and the central bank's digital currency offline transaction protocol.

[0022] As an improved solution, the offline transaction engine is used to build a lightweight ledger synchronization mechanism, adopting off-chain transaction verification technology based on hash time lock to complete the localized atomicity guarantee of digital currency transactions in a network-free environment.

[0023] As an improved solution, the edge computing optimization engine integrates a dynamic routing algorithm and a cache preloading strategy to achieve a transaction signature verification delay of less than 100 milliseconds through terminal device computing power resource pooling technology.

[0024] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with an adaptive network switching controller, which is used to automatically activate the Bluetooth Mesh network to relay payment instructions when it detects that the cellular network signal is weaker than the threshold, thereby ensuring transaction continuity in remote areas.

[0025] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a privacy-enhanced transaction verification module, which uses zero-knowledge proof and homomorphic encryption fusion technology to achieve two-way privacy protection of transaction amount and user identity in offline transaction scenarios.

[0026] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a hardware-level security chip isolation engine, which is used to physically isolate and store digital currency private keys through a trusted execution environment to resist malware side-channel attacks.

[0027] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a dynamic risk control decision tree engine, which is used to combine terminal device sensor data with user behavior characteristics to trigger localized compliance verification of the anti-money laundering rule engine before offline transactions.

[0028] As an improved solution, the seamless docking system for mobile payment and digital currency is also equipped with a cross-chain interoperability gateway, which is used to realize cross-chain asset mapping and liquidity interoperability between the central bank's digital currency and commercial institutions' digital wallets through heterogeneous blockchain middleware.

[0029] As an improved solution, the mobile payment and digital currency seamless docking system is also equipped with a user behavior adaptive engine, which is used to analyze multi-terminal payment habits through a federated learning framework and dynamically optimize the payment interface interaction path and risk decision threshold.

[0030] It should be noted that the above examples are only for explaining the present invention and are not intended to limit the scope of protection of the present invention.

[0031] It should also be understood that in the embodiments herein, the term "and / or" merely describes an association between associated objects, indicating that three possible relationships exist. For example, "A and / or B" could represent: A alone, A and B simultaneously, or B alone. Furthermore, the character " / " in this document generally indicates an "or" relationship between the associated objects.

[0032] Those skilled in the art will appreciate that the units and algorithm steps of each example described in conjunction with the embodiments disclosed herein can be implemented in electronic hardware, computer software, or a combination of the two. In order to clearly illustrate the interchangeability of hardware and software, the above description has generally described the composition and steps of each example according to function. Whether these functions are performed in hardware or software depends on the specific application and design constraints of the technical solution. Professional and technical personnel can use different methods to implement the described functions for each specific application, but such implementation should not be considered beyond the scope of this document.

[0033] In the several embodiments provided herein, it should be understood that the disclosed systems, devices, and methods can be implemented in other ways. For example, the device embodiments described above are merely illustrative. For example, the division of the units is merely a logical function division. In actual implementation, there may be other division methods, such as multiple units or components can be combined or integrated into another system, or some features can be ignored or not executed. In addition, the mutual coupling or direct coupling or communication connection shown or discussed can be an indirect coupling or communication connection through some interfaces, devices, or units, or can be an electrical, mechanical, or other form of connection.

[0034] The units described as separate components may or may not be physically separate, and the components shown as units may or may not be physical units, that is, they may be located in one place or distributed across multiple network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the embodiments herein.

[0035] In addition, the functional units in the various embodiments herein may be integrated into a single processing unit, each unit may exist physically separately, or two or more units may be integrated into a single unit. The aforementioned integrated units may be implemented in the form of hardware or software functional units.

[0036] If the integrated unit is implemented in the form of a software functional unit and sold or used as an independent product, it can be stored in a computer-readable storage medium. Based on this understanding, the technical solution of this article is essentially or the part that contributes to the existing technology, or all or part of the technical solution can be embodied in the form of a software product, which is stored in a storage medium and includes several instructions for enabling a computer device (which can be a personal computer, server, or network device, etc.) to execute all or part of the steps of the method described in each embodiment of this article. The aforementioned storage medium includes: various media that can store program code, such as a USB flash drive, a mobile hard disk, a read-only memory (ROM), a random access memory (RAM), a magnetic disk or an optical disk.

[0037] The above descriptions are merely embodiments of the present invention and are not intended to limit the patent scope of the present invention. Any equivalent structures or equivalent process changes made using the contents of the present invention's description and drawings, or directly or indirectly applied to other related technical fields, are also included in the patent protection scope of the present invention.

Claims

1. A mobile payment and digital currency seamless docking system, characterized by: include: A multimodal payment module, an offline transaction engine, and an edge computing optimization engine are used to integrate NFC, QR code, and central bank digital currency wallet functions to achieve compatibility support between device contact payment and offline transaction scenarios, and to build an architecture that improves both payment success rate and transaction timeliness.

2. The mobile payment and digital currency seamless integration system according to claim 1, characterized in that: The multimodal payment module is equipped with a dynamic protocol conversion chip to support real-time translation between NFC near-field communication and QR code visual code streams, and is compatible with international EMV standards and the central bank's digital currency offline transaction protocol.

3. The mobile payment and digital currency seamless integration system according to claim 1, characterized in that: The offline transaction engine is used to build a lightweight ledger synchronization mechanism, adopting off-chain transaction verification technology based on hash time lock to complete the localized atomicity guarantee of digital currency transactions in a network-free environment.

4. The mobile payment and digital currency seamless integration system according to claim 1, characterized in that: The edge computing optimization engine integrates a dynamic routing algorithm and a cache preloading strategy, which is used to achieve transaction signature verification delays of less than 100 milliseconds through terminal device computing power resource pooling technology.

5. The mobile payment and digital currency seamless docking system according to claim 1, characterized in that: The mobile payment and digital currency seamless docking system is also equipped with an adaptive network switching controller, which is used to automatically activate the Bluetooth Mesh network to relay payment instructions when it detects that the cellular network signal is weaker than the threshold, thereby ensuring transaction continuity in remote areas.

6. The mobile payment and digital currency seamless docking system according to claim 1, characterized in that: The mobile payment and digital currency seamless docking system is also equipped with a privacy-enhanced transaction verification module, which uses zero-knowledge proof and homomorphic encryption fusion technology to achieve two-way privacy protection of transaction amounts and user identities in offline transaction scenarios.

7. The mobile payment and digital currency seamless connection system according to claim 1, characterized in that: The mobile payment and digital currency seamless docking system is also equipped with a hardware-level security chip isolation engine, which is used to physically isolate and store digital currency private keys through a trusted execution environment to resist malware side-channel attacks.

8. The mobile payment and digital currency seamless connection system according to claim 1, characterized in that: The mobile payment and digital currency seamless docking system is also equipped with a dynamic risk control decision tree engine, which is used to combine terminal device sensor data with user behavior characteristics to trigger localized compliance verification of the anti-money laundering rule engine before offline transactions.

9. The mobile payment and digital currency seamless connection system according to claim 1, characterized in that: The seamless docking system of mobile payment and digital currency is also equipped with a cross-chain interoperability gateway, which is used to realize cross-chain asset mapping and liquidity interoperability between the central bank's digital currency and commercial institutions' digital wallets through heterogeneous blockchain middleware.

10. The mobile payment and digital currency seamless docking system according to claim 1, characterized in that: The mobile payment and digital currency seamless docking system is also equipped with a user behavior adaptive engine, which is used to analyze multi-terminal payment habits through a federated learning framework and dynamically optimize the payment interface interaction path and risk decision threshold.

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