Digital currency payment method, chip, apparatus and system

Abstract

The present application discloses a digital currency payment method, a chip, an apparatus and a system. The method is applied to a chip, wherein the chip comprises a security element, a first communication component and a second communication component, the security element is used for opening a digital currency hardware wallet, a communication protocol used by the first communication component incudes a near field communication protocol and / or a range controlled communication protocol, and a communication protocol used by the second communication component includes a Bluetooth communication protocol. The method comprises: using a second communication component to receive hardware wallet opening data sent by a digital currency client, and opening a digital currency hardware wallet in a security element; and using a first communication component to receive a payment request, and performing a digital currency transaction. The present application solves the problem of application limitation in near field communication payment, and effectively expands application scenarios of near field communication payment.

Description

A digital currency payment method, chip, device and system

[0001] This application claims priority to the Chinese patent application filed with the China Patent Office on November 1, 2023, with application number 202311444030.7 and invention name “A digital currency payment method, chip, device and system”, the entire contents of which are incorporated by reference into this application. Technical Field

[0002] The present application relates to the field of digital currency technology, and in particular to a digital currency payment method, chip, device and system. Background Art

[0003] At present, payments based on near-field communications such as Near Field Communication (NFC) and Range Controlled Communication (RCC) mainly rely on the near-field communication components of mobile terminal devices such as mobile phones and smart watches. In this way, on the one hand, for mobile terminals that do not have near-field communication components, such as Android phones without NFC functions, near-field communication payments cannot be used; on the other hand, for mobile terminals with near-field communication components, if the protocol interfaces they provide are relatively limited, such as mobile phones using the iOS system, in order to implement new scenarios such as digital currency payment scenarios, the near-field communication components of the mobile terminal devices need to be specially modified to realize near-field communication transactions of digital currency. Therefore, the existing near-field communication payment method still has certain application limitations.

[0004] Summary of the Invention

[0005] In view of this, the embodiments of the present application provide a digital currency payment method, chip, device and system, which solve the application limitations of near-field communication payment and effectively expand the application scenarios of near-field communication payment.

[0006] To achieve the above objectives, according to one aspect of the embodiments of the present application, a digital currency payment method is provided.

[0007] The method is applied to a chip, which includes a security element, a first communication component, and a second communication component. The security element is used to open a digital currency hard wallet. The communication protocol used by the first communication component includes a near-field communication protocol and / or a restricted domain communication protocol. The communication protocol used by the second communication component includes a Bluetooth communication protocol.

[0008] The method comprises:

[0009] using the second communication component to receive hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the secure element;

[0010] The first communication component is used to receive a payment request and conduct a digital currency transaction.

[0011] Optionally, the method further includes:

[0012] receiving, using the second communication component, an authorization authentication request sent by a digital currency client, generating an authorization authentication random number for the authorization authentication request, and sending the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number;

[0013] The authorization authentication data sent by the digital currency client is verified using the second communication component. If the verification passes, the digital currency client is determined to be an authorized digital currency client, and the step of receiving the hard wallet opening data sent by the digital currency client is performed.

[0014] Optionally, the step of opening a digital currency hard wallet in the security element includes:

[0015] decrypting the hard wallet opening data using the second communication component and transmitting the decrypted hard wallet opening data to the secure element, the opening data including the opening execution instruction and the personalized data;

[0016] The security element is used to parse and execute the issuance execution instruction, and the personalized data is stored.

[0017] Optionally, the method further includes:

[0018] Providing link information of the second communication component to the first terminal device where the digital currency client is located;

[0019] In response to a triggering operation on the link information, a Bluetooth communication connection is established between the second communication component and the digital currency client.

[0020] Optionally, the receiving the payment request by using the first communication component includes:

[0021] Intercepting interactive information sent externally;

[0022] In a case where the intercepted interaction information is a payment request, the first communication component is called to transmit the payment request to the secure element.

[0023] Optionally, the digital currency hard wallet includes a first mode and a second mode, wherein the first mode indicates that transactions are performed using the coin string information stored in the digital currency hard wallet, and the second mode indicates that transactions are performed based on a digital currency account associated with the digital currency hard wallet;

[0024] The receiving a payment request by the first communication component and conducting a digital currency transaction includes:

[0025] When the digital currency hard wallet is in the first mode, performing digital currency transactions using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet in the first mode;

[0026] When the digital currency hard wallet is in the second mode, the payment request is sent to the digital currency server through the Bluetooth communication channel between the second communication component and the digital currency client and the digital currency client, so that the digital currency server performs a digital currency transaction based on the payment request and the digital currency account associated with the digital currency hard wallet.

[0027] Optionally, the method further includes:

[0028] In a case where the digital currency hard wallet in the first mode belongs to a first type of hard wallet, in response to a binding trigger, binding a digital currency client to the digital currency hard wallet, so that the digital currency hard wallet is converted to a second type of hard wallet, wherein the first type of hard wallet indicates that no digital currency client is bound, and the second type of hard wallet indicates that a digital currency client is bound;

[0029] In response to receiving the mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

[0030] Optionally, after receiving the payment request using the first communication component, the method further includes:

[0031] When the digital currency hard wallet is in the first mode,

[0032] Determine whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset number threshold; if so, synchronize data with the digital currency server through the Bluetooth communication channel and the digital currency client; after the data synchronization is successful, receive and store new coin string information sent by the digital currency server through the Bluetooth communication channel and the digital currency client, and clear invalid data; otherwise, execute the digital currency transaction using the coin string information indicating the digital currency amount stored in the digital currency hard wallet.

[0033] Optionally, the using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet to conduct digital currency transactions includes:

[0034] generating a first temporary random number using the security element, and obtaining target coin string information matching the payment request from the digital currency hard wallet;

[0035] Generate a coin string key using the first temporary random number, the payer factor stored in the secure element, the payee factor included in the payment request, and a second temporary random number generated by the payee;

[0036] Encrypting the coin string key using the payee public key included in the payment request, and encrypting the target coin string information using the coin string key;

[0037] Generate first payment information including the encrypted coin string key and the encrypted target coin string information;

[0038] The first payment information is sent to a payment receiving terminal corresponding to the payment request by using the first communication component, so as to conduct a transaction based on the first payment information.

[0039] Optionally, before sending the first payment information to the payment receiving terminal corresponding to the payment request, the method further includes:

[0040] Determining whether the amount of payment indicated by the payment request exceeds a preset payment threshold;

[0041] If it is determined that the amount of payment indicated by the payment request exceeds a preset payment threshold, adding the encrypted payment password to the first payment information, and sending the first payment information with the payment password added thereto to the payment receiving end, so as to conduct a transaction based on the first payment information with the payment password added thereto;

[0042] When it is determined that the amount of payment indicated by the payment request does not exceed the preset payment threshold, the first payment information is directly sent to the payment receiving end corresponding to the payment request.

[0043] In a second aspect, the present application provides a digital currency payment method.

[0044] The method is applied to a digital currency client, wherein the digital currency client and a digital currency payment chip including a security element, a first communication component, and a second communication component are installed in a first terminal device, wherein the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a restricted domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol;

[0045] The digital currency payment method includes:

[0046] Establishing a Bluetooth communication connection between the first terminal device and the second communication component;

[0047] Send a registration request for a digital currency hard wallet to the trusted service management platform;

[0048] Receiving hard wallet opening data sent by the trusted service management platform;

[0049] The hard wallet opening data is sent to the security element through the Bluetooth communication connection to open a digital currency hard wallet in the security element; and the digital currency hard wallet in the digital currency payment chip performs digital currency transactions based on the first communication component.

[0050] Optionally, the method further includes:

[0051] sending an authentication request to the second communication component via the Bluetooth communication connection, and receiving an authentication random number in response to the authentication request;

[0052] Authentication data is generated based on the authentication random number, and the authentication data is sent to the second communication component via the Bluetooth communication connection, so that the second communication component verifies the authentication data. If the verification passes, the secure element parses and executes the issuance execution instruction included in the issuance data, and stores the personalized data included in the issuance data.

[0053] Optionally, the method further includes:

[0054] receiving a payment request sent by the digital currency hard wallet in the second mode through the second communication component;

[0055] Generate second payment information corresponding to the payment request, and send the second payment information to the digital currency server, so that the digital currency server performs a digital currency transaction based on the second payment information.

[0056] Optionally, the method further includes:

[0057] Establishing an account association relationship with the digital currency hard wallet;

[0058] When the digital currency hard wallet is in the second mode, the coin string information is shared with the digital currency hard wallet in the security element based on the account association relationship.

[0059] Optionally, establishing a Bluetooth communication connection between the first terminal device and the second communication component includes:

[0060] In response to a hardware wallet opening trigger, determining whether the operating system carried by the first terminal device is a target system, wherein a communication protocol interface of the target system corresponding to the first communication component is not open to the public;

[0061] When it is determined that the first terminal device is the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component.

[0062] Optionally, the method further includes:

[0063] receiving a prompt message instructing a network operation sent by the digital currency payment chip, so that the operator establishes a communication connection between the digital currency client and the trusted service management platform based on the prompt message;

[0064] Based on the communication connection, data is synchronized between the digital currency payment chip and the trusted service management platform. After the data synchronization is successful, the new coin string information sent by the trusted service management platform is sent to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and cleans up invalid data.

[0065] Optionally, the method further includes:

[0066] In response to a loss report operation sent by the second terminal device for the digital currency hard wallet, a loss report request is generated to the trusted service management platform, so that the trusted service management platform performs a loss report on the digital currency hard wallet to prohibit payment using the digital currency hard wallet, wherein the digital currency client of the second terminal device is logged in to an account associated with the digital currency hard wallet.

[0067] In a third aspect, an embodiment of the present application provides a digital currency payment chip, including a security element, a first communication component, and a second communication component, wherein:

[0068] The communication protocol adopted by the first communication component includes a near field communication protocol and / or a limited domain communication protocol; and is used to receive a payment request;

[0069] The communication protocol adopted by the second communication component includes a Bluetooth communication protocol; and is used to receive hard wallet opening data sent by the digital currency client;

[0070] The security element is used to open a digital currency hard wallet based on the hard wallet opening data, and to perform digital currency transactions using the first communication component based on the payment request.

[0071] In a fourth aspect, an embodiment of the present application provides a digital currency payment device, wherein the digital currency payment device and a digital currency payment chip including a security element, a first communication component and a second communication component are installed on a first terminal device, the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a limited-domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the digital currency payment device establishes a Bluetooth communication connection with the second communication component based on the first terminal device, and the digital currency payment device includes: a registration module and an account management module, wherein,

[0072] The registration module is configured to send a registration request for the digital currency hard wallet to an authorized trusted service management platform; and receive hard wallet opening data sent by the trusted service management platform;

[0073] The account management module is configured to send the hard wallet opening data to the secure element via the Bluetooth communication connection to open a digital currency hard wallet in the secure element; and enable the digital currency hard wallet in the digital currency payment chip to perform digital currency transactions based on the first communication component.

[0074] In a fifth aspect, an embodiment of the present application provides a digital currency payment system, comprising: a payment terminal, a digital currency payment chip provided by the embodiment of the third aspect above, and a digital currency payment device provided by the embodiment of the fourth aspect above, wherein:

[0075] The digital currency payment chip and the digital currency client are installed in the first terminal device;

[0076] The digital currency hard wallet in the digital currency payment chip is opened based on a Bluetooth communication connection between the second communication component included therein and the digital currency client;

[0077] The payment terminal is configured to provide a payment request to the digital currency payment chip through near field communication with the first communication component included in the digital currency payment chip;

[0078] The digital currency payment chip is used to conduct digital currency transactions based on the payment request.

[0079] In a sixth aspect, an embodiment of the present application provides an electronic device, comprising: a digital currency payment chip provided in the embodiment of the third aspect above and a digital currency client including the digital currency payment device provided in the embodiment of the fourth aspect.

[0080] In the seventh aspect, an embodiment of the present application provides a computer-readable medium on which a computer program is stored. When the program is executed by a processor, it implements the steps involving program execution logic included in the method of the first aspect embodiment above or the steps involving program execution logic included in the method of the second aspect embodiment above.

[0081] One embodiment of the above invention has the following advantages or beneficial effects: in the digital currency payment method provided by the embodiment of the present application, a Bluetooth communication connection is established between a second communication component that can adopt a Bluetooth communication protocol included in a digital currency payment chip (hereinafter referred to as the chip) and an authorized digital currency client, so that the authorized digital currency client can open a digital currency hard wallet in the security element included in the chip, and then the chip receives a payment request through a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol to conduct a digital currency transaction, that is, the near-field communication transaction of the digital currency is realized through the first communication component of the chip. Since the chip itself has a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol, when the chip is applied to a mobile terminal, it can solve the near-field payment problem of a mobile terminal without a near-field communication function or a mobile terminal whose near-field communication interface is not open to the outside world. Therefore, the solution provided by the embodiment of the present application solves the problem of application limitations of near-field communication payment and effectively expands the application scenarios of near-field communication payment.

[0082] The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with specific embodiments. BRIEF DESCRIPTION OF THE DRAWINGS

[0083] In order to more clearly illustrate the technical solutions of the prior art and the embodiments of the present application, the following briefly introduces the drawings required for describing the prior art and the embodiments of the present application. Of course, the drawings described below in relation to the embodiments of the present application are only part of the embodiments of the present application. For those skilled in the art, other drawings can be obtained based on the provided drawings without creative work, and the obtained other drawings also fall within the scope of protection of the present application.

[0084] FIG1 is a schematic diagram of the main process of a digital currency payment method provided according to an embodiment of the present application;

[0085] FIG2 is a schematic diagram of the main process of a digital currency payment method provided according to another embodiment of the present application;

[0086] FIG3 is a schematic structural diagram of the main components of a digital currency payment chip provided in accordance with an embodiment of the present application;

[0087] FIG4 is a schematic diagram of the main process of a digital currency payment method applied to a digital currency client according to an embodiment of the present application;

[0088] FIG5 is a schematic diagram of the structure of a digital currency payment device provided according to an embodiment of the present application;

[0089] FIG6 is a schematic diagram of the structure of a digital currency payment system provided according to an embodiment of the present application;

[0090] FIG7 is a schematic diagram of the main flow of the process of registering and opening a digital currency hard wallet in a digital currency payment method in a near field communication scenario provided by an embodiment of the present application;

[0091] FIG8A is a schematic diagram of a portion of the main process of a single offline digital currency payment method in a near field communication scenario provided in accordance with an embodiment of the present application;

[0092] FIG8B is a schematic diagram of another part of the main process of the single offline digital currency payment method in the near field communication scenario provided by an embodiment of the present application;

[0093] FIG8C is a schematic diagram of another part of the main process of the single offline digital currency payment method in the near field communication scenario provided by an embodiment of the present application;

[0094] FIG9 is a schematic diagram of the main process of a dual-offline digital currency payment method in a near field communication scenario according to an embodiment of the present application;

[0095] FIG10 is a schematic diagram of the main process of a digital currency payment method in a near field communication scenario according to another embodiment of the present application;

[0096] FIG11 is a diagram of an exemplary system architecture to which embodiments of the present application may be applied;

[0097] Figure 12 is a structural diagram of a computer system suitable for implementing the first terminal device or digital currency server embodiment of the present application. DETAILED DESCRIPTION

[0098] The following description of exemplary embodiments of the present application is made in conjunction with the accompanying drawings, including various details of the embodiments of the present application to facilitate understanding. These details should be considered as merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present application. Similarly, for the sake of clarity and conciseness, descriptions of well-known functions and structures are omitted in the following description.

[0099] In existing digital currency applications involving near-field communication (NFC) transactions, transactions are generally completed using the near-field communication (NFC) capabilities of mobile terminal devices, such as near-field communication (NFC) and range-controlled communication (RCC). However, for mobile terminals that do not have these capabilities, such as Android phones without NFC, or mobile terminals that have these capabilities but do not open NFC interfaces to the outside world, such as iOS phones, digital currency payments cannot be completed using NFC. This results in certain limitations in the use of digital currency payments in NFC scenarios.

[0100] In order to solve the problem of usage limitations of digital currency payment in the above-mentioned near-field communication scenario, the embodiments of the present application provide a digital currency payment method, chip, digital currency payment device and system.

[0101] Figure 1 is a schematic diagram of the main process of a digital currency payment method according to an embodiment of the present application. The digital currency payment method is applied to a chip including a security element, a first communication component, and a second communication component, wherein the security element is used to open a digital currency hard wallet, the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a limited-domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol. Specifically, as shown in Figure 1, the digital currency payment method may include the following steps:

[0102] Step S101: using the second communication component to receive hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the secure element;

[0103] Step S102: Utilize the first communication component to receive a payment request and conduct a digital currency transaction.

[0104] In the embodiment of the present application, the security element has a relatively high security level, confidentiality and storage function, which can be used to store digital currency hard wallets, account information, transaction records of digital currency hard wallets, etc.

[0105] In an embodiment of the present application, the first communication component of the chip that implements the digital currency payment method provided in the embodiment of the present application can be a component that can implement NFC or a component that can implement RCC functions such as near-field communication implemented by using the 2.45GHz frequency band combined with low-frequency magnetism.

[0106] In the embodiment of the present application, the second communication component of the chip can be a physical module, component, chip, etc. that can adopt the Bluetooth communication protocol in the prior art.

[0107] In the embodiment of the present application, the security element has a relatively high security. The personalized data and coin string information stored therein related to the digital currency hard wallet are not allowed to be read by external devices, and it generally interacts with the authorized digital currency client or the digital currency client with account association by means of the Bluetooth communication connection of the second communication component. The function of the security element can be implemented based on an embedded programmable logic controller. The embedded programmable logic controller prohibits external devices from reading its internal information, and the key negotiation involved in digital currency payment using the private key with the other device to generate the process key and the encryption, decryption, data signing, verification signature and other calculation processes of the communication data are all completed inside the programmable logic controller, which can ensure the security of the key information.

[0108] Generally speaking, the chip including the security element, the first communication component and the second communication component can be used as part of a subscriber identity module (SIM) card. By installing it in a mobile terminal, using the mobile terminal as the carrier of the chip, the chip including the security element, the first communication component that can adopt the near field communication protocol and / or the limited domain communication protocol and the second communication component that can adopt the Bluetooth communication protocol is used to make digital currency payments. It is worth noting that regardless of whether the mobile terminal is in a powered state, a power-off state, a powered-off state, a networked state, an off-network state, a mobile terminal fault state, etc., the chip including the security element, the first communication component and the second communication component in the SIM card installed by the mobile terminal can be used to execute the steps of completing the digital currency payment in the digital currency payment method provided in the embodiment of the present application.

[0109] In addition, the chip of the digital currency payment method provided in the embodiment of the present application, which includes a security element, a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol, and a second communication component, can also be independently packaged in a shell and used as an independent mobile payment card.

[0110] With respect to the technical solution provided in the embodiment provided in FIG1 , a Bluetooth communication connection is established between a second communication component that can adopt a Bluetooth communication protocol included in a digital currency payment chip (hereinafter referred to as the chip) and an authorized digital currency client, so that the authorized digital currency client can open a digital currency hard wallet in the security element included in the chip. Subsequently, the chip receives a payment request through a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol to conduct digital currency transactions, that is, near-field communication transactions of digital currency are realized through the first communication component of the chip. Since the chip itself has a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol, when the chip is applied to a mobile terminal, it can solve the near-field payment problem of a mobile terminal without a near-field communication function or a mobile terminal whose near-field communication interface is not open to the outside world. Therefore, the solution provided in the embodiment of the present application solves the problem of application limitations of near-field communication payment and effectively expands the application scenarios of near-field communication payment.

[0111] In an embodiment of the present application, the above-mentioned digital currency payment method also includes: using the second communication component to receive an authorization authentication request sent by the digital currency client, generating an authorization authentication random number for the authorization authentication request, and sending the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number; using the second communication component to verify the authorization authentication data sent by the digital currency client, and if the verification passes, determining that the digital currency client is an authorized digital currency client, and executing the step of receiving the hard wallet opening data sent by the digital currency client.

[0112] That is to say, before executing the above step S101, the digital currency client needs to be verified to ensure that the digital currency client has the authority to send hard wallet opening data or enable the security element to open a digital currency hard wallet, that is, to verify that the digital currency client is a client authorized by the Trusted Service Manager (TSM) platform, so as to standardize the management of the opening of digital currency hard wallets and digital currency clients in the chip, and ensure the security and reliability of the opened digital currency hard wallets.

[0113] In an embodiment of the present application, the process of generating authorization authentication data based on the authorization authentication random number by the digital currency client can adopt an algorithm pre-agreed between the authorized digital currency client and the chip or an algorithm configured by the trusted service management platform for the authorized digital currency client, and calculate the authorization data through the algorithm and the authorization authentication random number. In addition, the security element of the chip can also be provided with the algorithm, which will also calculate the authorization data through the algorithm and the authorization authentication random number. If the authorization data calculated by the chip is consistent with the authorization data calculated by the digital currency client, the digital currency client is determined to be an authorized digital currency client. In this way, the reliability of the digital currency client interacted with by the chip is guaranteed by this verification process to ensure the security, reliability and legitimacy of the opened digital currency hard wallet.

[0114] In an embodiment of the present application, the specific implementation method of opening a digital currency hard wallet in a security element may include: using a second communication component to decrypt the hard wallet opening data, and transmitting the decrypted hard wallet opening data to the security element, the opening data including an opening execution instruction and personalized data; using the security element to parse and execute the opening execution instruction and store the personalized data. In other words, through a Bluetooth communication channel established between a second communication component that can adopt the Bluetooth communication protocol and an authorized digital currency client, the opening execution instruction and personalized data can be transmitted to the security element, thereby realizing the opening of a digital currency hard wallet in the security element. The personalized data includes but is not limited to any one or a combination of multiple information of the digital currency hard wallet's account information, coin string information, associated accounts, user information, etc. Decrypting the hard wallet opening data by the second communication component can ensure the security of the transmitted hard wallet opening data while enabling the second communication component to share the non-payment functions of the security element.

[0115] In an embodiment of the present application, the digital currency payment method may further include establishing a Bluetooth communication connection between the second communication component and the digital currency client. Specifically, the process of establishing the Bluetooth communication connection may include: providing link information of the second communication component to the first terminal device where the digital currency client resides; and, in response to a triggering operation on the link information, establishing a Bluetooth communication connection between the second communication component and the authorized digital currency client. The link information of the second communication component may be a combination of the device name and ID of the second communication component. Providing this link information facilitates user operations.

[0116] In an embodiment of the present application, the process of opening a digital currency hard wallet in a secure element based on the Bluetooth communication connection between the second communication component and the authorized digital currency client mainly includes: when the chip and the digital currency client (the digital currency client is generally a client authorized by the trusted service management platform) are installed on the same first terminal device, the user operates the first terminal device or the digital currency client and uses the Bluetooth function of the first terminal device to establish a Bluetooth communication channel between the digital currency client and the chip. Subsequently, the user operates the digital currency client to call the trusted service management platform authorized by the central bank to apply for and register a digital currency hard wallet for the chip (i.e., open a digital currency hard wallet for the secure element). In an embodiment of the present application, the application and registration process may include: the authorized digital currency client sends a registration request to the trusted service management platform, the trusted service management platform establishes an association relationship (such as a binding relationship, a management relationship, etc.) between the digital currency client and the chip, and transmits the account information corresponding to the digital currency hard wallet and other personalized data related to opening the hard wallet to the secure element through the digital currency client to open a digital currency hard wallet in the secure element. In the embodiment of the present application, the trusted service management platform authorized by the central bank generally refers to a platform or service end authorized by the central bank for secondary banking institutions to manage digital currency accounts.

[0117] Furthermore, in an embodiment of the present application, the specific implementation of using the first communication component to receive a payment request may include: intercepting externally transmitted interactive information; and, if the intercepted interactive information is a payment request, invoking the first communication component to transmit the payment request to the secure element. In the present application, by controlling the first communication component to be used only for digital currency payment communications and not for other communications, the first communication component is prevented from obtaining information such as account information from the digital currency hard wallet in the chip. This allows digital currency payments implemented through the chip to ensure personal information security while effectively protecting the legitimacy and security of digital currency transactions.

[0118] In an embodiment of the present application, a digital currency hard wallet opened by a secure element in a chip provides a better user experience. The digital currency hard wallet opened by the secure element may include a first mode and a second mode, wherein the first mode indicates that transactions are conducted using coin string information stored in the digital currency hard wallet, and the second mode indicates that transactions are conducted based on a digital currency account associated with the digital currency hard wallet. Accordingly, a specific implementation of receiving a payment request and conducting a digital currency transaction using a first communication component may include: when the digital currency hard wallet is in the first mode, conducting the digital currency transaction using coin string information indicating the digital currency amount stored in the first-mode digital currency hard wallet; when the digital currency hard wallet is in the second mode, transmitting the payment request to a digital currency server via a Bluetooth communication channel between the second communication component and the digital currency client, and the digital currency client, so that the digital currency server conducts the digital currency transaction based on the payment request and the digital currency account associated with the digital currency hard wallet. In this application, by setting the digital currency hard wallet in the first and second modes, users can flexibly choose how to use the digital currency hard wallet, meeting the differentiated needs of different users for digital currency hard wallets and improving the practicality of the digital currency hard wallet.

[0119] In addition, through the second mode of the digital currency hard wallet, the digital currency hard wallet can share the coin string information stored by the digital currency client with the digital currency client based on the associated account, so that the digital currency hard wallet and its parent wallet (for example, the parent wallet can be the digital currency wallet of the digital currency client) share the balance, without the need to recharge the digital currency hard wallet separately, making payment more convenient and easy to use.

[0120] In an embodiment of the present application, two types of hard wallets can be set for the first type of digital currency hard wallet, wherein the first type of hard wallet indicates that a digital currency client is not bound, and the second type of hard wallet indicates that a digital currency client is bound. In the present application, for the digital currency hard wallet belonging to the first type of hard wallet, it can only use the first mode to make digital currency payments and cannot switch to the second mode. Only digital currency hard wallets belonging to the second type of hard wallet can switch between the first mode and the second mode. In an embodiment of the present application, the digital currency payment method can further include: when the digital currency hard wallet in the first mode belongs to the first type of hard wallet, in response to a binding trigger, binding the digital currency client to the digital currency hard wallet so that the digital currency hard wallet is converted to the second type of hard wallet; in response to receiving a mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

[0121] In this application, the above process enables a hard wallet belonging to the first category (i.e., a hard wallet of a quasi-account) to be bound to a digital currency client, so that the digital currency hard wallet can use the second mode, so as to facilitate users to flexibly select the required mode or hard wallet type according to their needs, thereby improving the user experience.

[0122] In an embodiment of the present application, after the payment request is received using the first communication component as mentioned above, it also includes: when the digital currency hard wallet is in the first mode, determining whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset threshold number, and if so, synchronizing data with the digital currency server through the Bluetooth communication channel and the digital currency client; after the data synchronization is successful, receiving and storing new coin string information sent by the digital currency server through the Bluetooth communication channel and the digital currency client, and clearing invalid data; otherwise, executing digital currency transactions using the coin string information indicating the digital currency amount stored in the digital currency hard wallet.

[0123] In the embodiment of the present application, the number threshold can be set according to actual needs.

[0124] In an embodiment of the present application, the above-mentioned new coin string information can be to replace the original coin string information indicating small amounts (such as 50 cents, 1 yuan, etc.) in the digital currency hard wallet with one or more coin string information of relatively large amounts (such as 5 yuan, 10 yuan, 20 yuan, etc.) (that is, the original small-denomination coin strings in the digital currency hard wallet are merged into large-denomination coin strings), or it can be to add new coin string information to the digital currency hard wallet (that is, to increase the amount of digital currency stored in the digital currency hard wallet).

[0125] In the embodiment of the present application, the source of the coin string information in the digital currency hard wallet in the first mode is generally: the user operates the authorized digital currency client installed in the first terminal device, transmits the coin string information to the secure element in the chip through the authorized digital currency client, and the secure element stores the coin string information, thereby obtaining the coin string information in the digital currency hard wallet. In the embodiment of the present application, the coin string information transmitted by the authorized digital currency client can be directly part of the coin string information stored by the authorized digital currency client, or it can be coin string information requested from the digital currency server and derived from transfers from other digital currency accounts.

[0126] In the embodiment of the present application, the coin string information is an important part of the digital currency information certified by the authoritative national department. In addition to indicating the amount, it can also indicate account information, etc. In the authentication process of the coin string information participating in the payment, it has a high degree of confidentiality, timeliness, uniqueness and non-repudiation, and can effectively ensure the authenticity and legitimacy of the user of the digital currency payment in the transaction link, and prevent it from being used for illegal activities.

[0127] In the present application, by limiting the number of consecutive transactions of the digital currency hard wallet, on the one hand, frequent transactions caused by the loss of the digital currency hard wallet can be avoided, so as to further ensure the security of the digital currency hard wallet; on the other hand, after the number of consecutive transactions of the digital currency hard wallet exceeds the preset number threshold, the digital currency server updates the coin string information for the digital currency hard wallet and cleans up invalid data, so that the coin string information in the digital currency hard wallet can be updated and invalid data can be cleaned up in time, thereby avoiding the impact of invalid data on chip space on digital currency payment efficiency.

[0128] In the embodiment of the present application, as shown in FIG2 , for a digital currency hard wallet in the first mode, the specific implementation of using the coin string information indicating the amount of digital currency stored in the digital currency hard wallet to conduct digital currency transactions may include the following steps:

[0129] Step S201: Generate a first temporary random number using a secure element, and obtain account information and target coin string information matching the payment request from a digital currency hard wallet;

[0130] Step S202: Generate a coin string key using the first temporary random number, the payer factor stored in the secure element, the payee factor included in the payment request, and the second temporary random number generated by the payee;

[0131] Step S203: Encrypt the coin string key using the public key of the payee included in the payment request, and encrypt the target coin string information using the coin string key;

[0132] Step S204: Generate first payment information including the encrypted coin string key and the encrypted target coin string information;

[0133] Step S205: using the first communication component to send the first payment information to the payment receiving end corresponding to the payment request, so as to conduct a transaction based on the first payment information.

[0134] In the embodiments of the present application, the first temporary random number may be generated by the security element according to a preconfigured method for generating the first temporary random number, and the first temporary random number is random. In the present application, by introducing the first temporary random number into the encrypted information, even if the encrypted information is hijacked, the presence of the first temporary random number increases the difficulty and complexity of decrypting the encrypted information to obtain valid information, thereby improving the reliability and security of the digital currency payment method provided in the embodiments of the present application.

[0135] In this embodiment of the present application, the payer factor stored in the secure element is automatically assigned to the digital currency hard wallet by the payer's hardware device for each transaction. The payee factor included in the payment request is automatically assigned to the payee by the payee's hardware device for each transaction.

[0136] In the present application, the above-mentioned step of generating a coin string key enables the digital currency hard wallet of the chip to generate a coin string key each time a digital currency transaction is performed in the first mode, that is, the coin string key is generated for a transaction of the digital currency hard wallet in the first mode, and the target coin string information is subsequently encrypted by the coin string key to ensure the security of the target coin string information.

[0137] In this application, the coin string key is encrypted using the public key of the payee to ensure the security of the coin string key transmission process. In addition, the payee can subsequently use its own private key to decrypt the encrypted coin string key to obtain the coin string key. The payee then uses the coin string key to decrypt the encrypted target coin string information to obtain the target coin string information, thereby completing the digital currency transaction between the digital currency hardware wallet in the first mode and the payee, and can effectively improve the security and reliability of the digital currency transaction process.

[0138] In an embodiment of the present application, in the case where there are two types of digital currency hard wallets in the first mode, the digital currency hard wallet belonging to the second type of hard wallet (the second type of hard wallet indicates that it is bound to a digital currency client) can use the technical solution given in Figure 2 above to interact with the payment terminal to conduct digital currency transactions.

[0139] In addition, for the technical solution given in Figure 2 above, the payment end can also be in an offline state (that is, the communication between the payment end and the digital currency server is interrupted), so that the technical solution can realize digital currency transactions in a dual offline state (communication between the chip and the digital currency client is interrupted and the payment end is also offline), and while ensuring the normal completion of digital currency transactions in the dual offline state, the transaction process has higher security and reliability.

[0140] It is worth noting that when the digital currency hard wallet is in the second mode or the digital currency hard wallet is in the first mode and the digital currency hard wallet belongs to the first type of hard wallet (the first type of hard wallet indicates that it is not bound to a digital currency client), during the transaction process using the digital currency hard wallet, a preset key (the private key-public key of the agreement between the digital currency hard wallet and the digital currency server, and between the payment terminal and the digital currency server) is generally used to encrypt information involved in the transaction process, such as transaction coin string information, account information, etc.

[0141] In the embodiment of the present application, the digital certificate authentication technology of the domestic cryptographic algorithm can also be used to ensure the legitimacy of the visitor's (such as a digital currency client, a payment terminal, etc.) identity to prevent the preset key from being illegally stolen or tampered with.

[0142] In an embodiment of the present application, conducting a transaction based on the first payment information is essentially that the payment terminal sends the first payment information or the information in the first payment information that needs to be verified to the digital currency server, the digital currency server verifies the first payment information, and performs transaction operations, transaction records, etc. based on the first payment information.

[0143] It is worth noting that the information transmitted between the payment terminal and the digital currency server is also encrypted to ensure the security of the transmitted information.

[0144] It is worth noting that the "first payment information" involved in the embodiment of the present application and the "second payment information" described below are for distinguishing different payment information, rather than for restricting the order, number, etc. of the payment information.

[0145] In an embodiment of the present application, the specific implementation method of obtaining the target coin string information that matches the receipt information from the digital currency hard wallet may include: splitting and / or merging one or more coin string information contained in the digital currency hard wallet to obtain the target coin string information that matches the receipt information. Among them, splitting and / or merging the one or more coin string information contained in the digital currency hard wallet may specifically be merging multiple coin string information indicating small amounts into one coin string information indicating the full denomination, or splitting one or more coin string information into multiple coin string information indicating small denominations. For example, merging five coin string information indicating 2 yuan into one coin string information indicating 10 yuan, or splitting one coin string information indicating 10 yuan into two coin string information indicating 2 yuan, one coin string information indicating 5 yuan, and one coin string information indicating 1 yuan, etc. In an embodiment of the present application, the strategy for splitting and merging coin string information can be set according to needs.

[0146] In an embodiment of the present application, before sending the first payment information to the payee corresponding to the payment request, it also includes: judging whether the amount of the payment indicated by the payment request exceeds a preset payment threshold; if it is judged that the amount of the payment indicated by the payment request exceeds the preset payment threshold, adding the encrypted payment password to the first payment information, and sending the first payment information with the added payment password to the payee to conduct a transaction based on the first payment information with the added payment password; if it is judged that the amount of the payment indicated by the payment request does not exceed the preset payment threshold, directly sending the first payment information to the payee corresponding to the payment request. In an embodiment of the present application, the payment threshold can be set according to user needs to avoid malicious transfers caused by the loss of the digital currency hard wallet, so as to further improve the security of the digital currency hard wallet.

[0147] In an embodiment of the present application, when it is determined that the amount of payment indicated by the payment information exceeds a preset payment threshold, a password input interface is provided to the mobile first terminal device so that the user can enter the payment password on the password input interface; the above-mentioned provision of the password input interface to the mobile first terminal device can be connected to the second communication component of the first terminal device through the second communication component of the chip, and the password input interface is provided to the first terminal device through the second communication component, and the payment password is provided to the security element of the chip through the second communication component.

[0148] In the embodiment of the present application, the above-mentioned offline transaction refers to the communication between the digital currency client of the terminal device and the digital currency server being in an interrupted state.

[0149] Through the above solution, a payment password is added to the payment information that exceeds the preset payment threshold, which enables the digital currency hard wallet to make large payments while further improving the security and reliability of payment.

[0150] Furthermore, the chip can also update the coin string information and transaction records contained in the digital currency hard wallet when the digital currency client is connected to the internet. Transaction records may include fields such as the wallet ID, ciphertext of the transaction time, transaction amount, and recipient information, depending on the needs. Updating the coin string information and transaction records contained in the digital currency hard wallet can include merging or splitting coin string information, deleting transaction records, and other methods. This allows for standardized management of the coin string information and transaction records in the digital currency hard wallet, preventing the secure element from storing too much coin string information and transaction records, which could lead to insufficient storage space.

[0151] In an embodiment of the present application, the digital currency payment method may further include storing a transaction record matching the payment information and the target coin string information in the secure element. In the present application, by storing the transaction record matching the payment information and the target coin string information, transactions can be traced even when the transaction is conducted offline.

[0152] It is worth noting that the trusted service management platform involved in the embodiments of the present application generally refers to a platform for managing digital currency accounts.

[0153] It is worth noting the relationship between the above-mentioned Bluetooth communication connection and the Bluetooth communication channel: the digital currency payment chip and the Bluetooth component of the terminal device establish a Bluetooth communication channel between the digital currency payment chip and the digital currency client through the Bluetooth communication connection to transmit data between the digital currency payment chip and the digital currency client.

[0154] In the embodiments of the present application, the digital currency server generally refers to a server or platform that supports digital currency transactions.

[0155] As shown in FIG3 , the embodiment of the present application provides a digital currency payment chip 300. Specifically, the digital currency payment chip 300 may include a security element 301, a first communication component 302 and a second communication component 303, wherein:

[0156] The communication protocol adopted by the first communication component 302 includes a near field communication protocol and / or a limited domain communication protocol; and is used to receive a payment request;

[0157] The communication protocol adopted by the second communication component 303 includes the Bluetooth communication protocol; it is used to receive the hard wallet opening data sent by the digital currency client;

[0158] The security element 301 is used to open a digital currency hard wallet based on the hard wallet opening data, and to perform digital currency transactions using the first communication component 302 based on the payment request.

[0159] In the embodiment of the present application, the second communication component 303 is further configured to receive an authorization authentication request sent by a digital currency client, generate an authorization authentication random number for the authorization authentication request, and send the authorization authentication random number to the digital currency client, so that the digital currency client generates authorization authentication data based on the authorization authentication random number;

[0160] The second communication component 303 is further used to verify the authorization authentication data sent by the digital currency client. If the verification passes, the digital currency client is determined to be an authorized digital currency client, and the step of receiving the hard wallet opening data sent by the digital currency client is executed.

[0161] In the embodiment of the present application, the second communication component 303 is further configured to decrypt the hard wallet opening data and transmit the decrypted hard wallet opening data to the secure element 301. The opening data includes an opening execution instruction and personalized data.

[0162] The security element 301 is further used to parse and execute the opening execution instruction and store personalized data.

[0163] In an embodiment of the present application, the second communication component 303 is further used to provide its link information to the first terminal device where the digital currency client is located; and in response to a triggering operation on the link information, establish a Bluetooth communication connection between the second communication component 303 and the digital currency client.

[0164] In the embodiment of the present application, the digital currency payment chip 300 may further include an interception module (not shown in the figure), wherein:

[0165] The interception module (not shown in the figure) is used to intercept the interaction information sent from the outside; when the intercepted interaction information is a payment request, the first communication component 302 is called to transmit the payment request to the security element 301.

[0166] In the embodiment of the present application, the digital currency hard wallet in the security element 301 includes a first mode and a second mode, wherein the first mode indicates that transactions are performed using the coin string information stored in the digital currency hard wallet, and the second mode indicates that transactions are performed based on the digital currency account associated with the digital currency hard wallet;

[0167] The security element 301 is further configured to, when the digital currency hard wallet is in the first mode, use the coin string information indicating the amount of digital currency stored in the first mode digital currency hard wallet to conduct digital currency transactions;

[0168] The security element 301 is further used to send a payment request to the digital currency server through the Bluetooth communication channel between the second communication component 303 and the digital currency client and the digital currency client when the digital currency hard wallet is in the second mode, so that the digital currency server can conduct a digital currency transaction based on the payment request and the digital currency account associated with the digital currency hard wallet.

[0169] In an embodiment of the present application, the security element 301 is further used to, in response to a binding trigger, bind a digital currency client to the digital currency hard wallet when the digital currency hard wallet in the first mode belongs to the first type of hard wallet, so that the digital currency hard wallet is converted to a second type of hard wallet, wherein the first type of hard wallet indicates that the digital currency client is not bound, and the second type of hard wallet indicates that the digital currency client is bound; in response to receiving a mode conversion switch, the digital currency hard wallet belonging to the second type of hard wallet switches between the first mode and the second mode.

[0170] In an embodiment of the present application, the security element 301 is further used to determine whether the number of consecutive transactions of the digital currency hard wallet exceeds a preset threshold when the digital currency hard wallet is in the first mode. If so, data synchronization is performed with the digital currency server through the Bluetooth communication channel and the digital currency client; after the data synchronization is successful, new coin string information sent by the digital currency server is received and stored through the Bluetooth communication channel and the digital currency client, and invalid data is cleared; otherwise, digital currency transactions are performed using the coin string information indicating the digital currency amount stored in the digital currency hard wallet.

[0171] In an embodiment of the present application, the security element 301 is further used to generate a first temporary random number, and obtain account information and target coin string information matching the payment request from the digital currency hard wallet; generate a coin string key using the first temporary random number, the payer factor stored in the security element, the recipient factor included in the payment request, and the second temporary random number generated by the recipient; encrypt the coin string key using the recipient public key included in the payment request, and encrypt the target coin string information using the coin string key; generate first payment information including the encrypted coin string key and the encrypted target coin string information; use the first communication component to send the first payment information to the recipient corresponding to the payment request, so as to conduct a transaction based on the first payment information.

[0172] In an embodiment of the present application, the security element 301 is further used to determine whether the amount of payment indicated by the payment request exceeds a preset payment threshold; when it is determined that the amount of payment indicated by the payment request exceeds the preset payment threshold, the encrypted payment password is added to the first payment information, and the first payment information with the added payment password is sent to the payment end to conduct a transaction based on the first payment information with the added payment password; when it is determined that the amount of payment indicated by the payment request does not exceed the preset payment threshold, the first payment information is directly sent to the payment end corresponding to the payment request.

[0173] The embodiment of the present application also provides a digital currency payment method applied to a digital currency client, wherein the digital currency client and a digital currency payment chip including a security element, a first communication component and a second communication component are installed in a first terminal device, wherein the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a limited-domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol. Figure 4 shows a schematic diagram of the main flow of a digital currency payment method applied to a digital currency client provided by an embodiment of the present application. Specifically, as shown in Figure 4, the digital currency payment method applied to a digital currency client may include:

[0174] Step S401: establishing a Bluetooth communication connection between the first terminal device and the second communication component;

[0175] Step S402: Sending a registration request for a digital currency hard wallet to the trusted service management platform;

[0176] Step S403: receiving the hard wallet opening data sent by the trusted service management platform;

[0177] Step S404: Sending the hard wallet opening data to the secure element via a Bluetooth communication connection to open a digital currency hard wallet in the secure element; enabling the digital currency hard wallet in the digital currency payment chip to conduct digital currency transactions based on the first communication component.

[0178] In the embodiments of this application, the trusted service management platform generally refers to the digital currency service end authorized by the central bank for secondary banking institutions. It is worth noting that the digital currency service end involved in each embodiment of this application generally refers to the digital currency service end authorized by the central bank for secondary banking institutions.

[0179] In this application, a digital currency payment technology solution applied to a digital currency client is provided, in which a Bluetooth communication connection is established between the digital currency client installed in the same first terminal device and the digital currency payment chip, and a digital currency hard wallet is opened for the digital currency payment chip through the Bluetooth communication connection, so that the digital currency hard wallet can make digital currency payments, so that terminal devices that do not have near-field communication functions or do not have near-field communication functions open to the outside world can also make payments through near-field communication, thereby solving the application limitations of near-field communication payments and effectively expanding the application scenarios of near-field communication payments.

[0180] In an embodiment of the present application, the digital currency payment technology solution applied to a digital currency client may further include: sending an authentication request to a security element via a Bluetooth communication connection, and receiving an authentication random number for the authentication request; generating authentication data based on the authentication random number, and sending the authentication data to a second communication component via a Bluetooth communication connection, so that the second communication component verifies the authentication data, and if the verification passes, the security element parses and executes the opening execution instruction included in the opening data, and stores the personalized data included in the opening data. In the present application, through this interactive process, the second communication component determines that the digital currency client is an authorized digital currency client, so as to ensure the legitimacy and security of the digital currency hard wallet installed in the security element.

[0181] In an embodiment of the present application, the digital currency payment method applied to a digital currency client may further include: receiving a payment request sent by a digital currency hard wallet in a second mode via a second communication component; generating second payment information corresponding to the payment request, and sending the second payment information to a digital currency server, so that the digital currency server conducts a digital currency transaction based on the second payment information. In this way, the digital currency hard wallet in the second mode acts as a payment account, and the digital currency server completes the payment using the coin string information in the associated account.

[0182] In embodiments of the present application, the digital currency payment technology solution applied to a digital currency client may further include: establishing an account association with a digital currency hard wallet; and when the digital currency hard wallet is in the second mode, sharing coin string information with the digital currency hard wallet in the secure element based on the account association. In other words, the digital currency hard wallet acts as a sub-wallet of the digital currency client, using the coin string information of the digital currency client to complete payments.

[0183] In an embodiment of the present application, the digital currency client can also update the coin string information of the digital currency hard wallet and clear transaction records, thereby enabling the management and maintenance of the coin string information and transaction records in the security element through the digital currency client. In this application, while ensuring the accuracy of the coin string information and transaction records of the digital currency hard wallet of the security element, by updating the coin string information contained in the digital currency hard wallet and the transaction records recorded by the security element, the storage space of the security element is organized, so that the security element has sufficient storage space and the sustainable use of the digital currency hard wallet is guaranteed.

[0184] In an embodiment of the present application, the digital currency payment technology solution applied to a digital currency client may further include: receiving payment information sent by a digital currency hard wallet in a second mode via Bluetooth communication connected to a second communication component; generating second payment information corresponding to the payment information, and sending the second payment information to the digital currency hard wallet, so that the digital currency hard wallet sends the second payment information to the payment terminal to complete the payment. In the present application, this process enables the digital currency hard wallet to have an account function. During the transaction process, it directly interacts with the digital currency client, allowing the digital currency client to complete payment using the first communication component of the digital currency payment chip, thereby expanding the transaction scenarios of the digital currency client.

[0185] In an embodiment of the present application, the specific implementation method of establishing a Bluetooth communication connection between the first terminal device and the second communication component may include: in response to a trigger for opening a hard wallet, determining whether the operating system carried by the first terminal device is a target system, wherein the communication protocol interface of the target system corresponding to the first communication component is not open to the outside world; in the case where it is determined that the first terminal device is the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component. In the present application, by determining whether the operating system carried by the first terminal device is the target system, it is possible to relatively accurately determine whether the first terminal device needs to establish a Bluetooth communication connection with the second communication component of the chip, for example, when the various protocol interfaces of the first terminal device are not open to the outside world.

[0186] In an embodiment of the present application, the digital currency payment method applied to a digital currency client may further include: receiving a prompt message indicating an online operation sent by a digital currency payment chip, so that the operator establishes a communication connection between the digital currency client and a trusted service management platform based on the prompt message; synchronizing data between the digital currency payment chip and the trusted service management platform based on the communication connection, and after the data synchronization is successful, sending the new coin string information sent by the trusted service management platform to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and clears invalid data. In this application, a connection between a digital currency hard wallet and a digital currency server is established using the digital currency client as a bridge to manage the digital currency hard wallet.

[0187] In an embodiment of the present application, the digital currency payment method for a digital currency client may further include: the digital currency client, in response to a loss report operation for a digital currency hard wallet sent by a second terminal device, generating a loss report request to a digital currency server, causing the digital currency server to report the loss of the digital currency hard wallet and prohibit payment using the digital currency hard wallet, wherein the digital currency client of the second terminal device is logged into an account associated with the digital currency hard wallet. In the present application, if the mobile terminal containing the SIM card of the digital currency hard wallet is lost, the user can log into the digital currency client associated with the digital currency hard wallet on another mobile terminal and report the loss of the digital currency hard wallet to prevent financial loss, thereby allowing the digital currency hard wallet to be reported lost and further ensuring the security of the digital currency hard wallet. At the same time, the security element included in the digital currency hard wallet has the characteristics of larger storage capacity, higher payment security, and more application hosting. The security level is the same as that of mainstream financial IC chips, which maximizes the security of user data.

[0188] In an embodiment of the present application, a digital currency payment device applied to a digital currency client is also provided, wherein the digital currency payment device and a digital currency payment chip including a security element, a first communication component and a second communication component are installed on a first terminal device, the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a limited-domain communication protocol, and the communication protocol adopted by the second communication component includes a Bluetooth communication protocol; the digital currency payment device establishes a Bluetooth communication connection with the second communication component based on the first terminal device. Figure 5 shows a schematic diagram of the main structure of the digital currency payment device provided in an embodiment of the present application. Specifically, as shown in Figure 5, the digital currency payment device may include: a registration module 501 and an account management module 502, wherein,

[0189] Registration module 501, configured to send a registration request for a digital currency hard wallet to an authorized trusted service management platform; and receive hard wallet opening data sent by the trusted service management platform;

[0190] The account management module 502 is configured to send hard wallet opening data to the secure element via a Bluetooth communication connection to open a digital currency hard wallet in the secure element; and enable the digital currency hard wallet in the digital currency payment chip to conduct digital currency transactions based on the first communication component.

[0191] In an embodiment of the present application, the registration module 501 is further used to send an authentication request to the second communication component via a Bluetooth communication connection, and receive an authentication random number for the authentication request; generate authentication data based on the authentication random number, and send the authentication data to the second communication component via a Bluetooth communication connection, so that the second communication component verifies the authentication data. If the verification passes, the security element parses and executes the opening execution instruction included in the opening data, and stores the personalized data included in the opening data.

[0192] In an embodiment of the present application, the account management module 502 is further used to receive a payment request sent by the digital currency hard wallet in the second mode through the second communication component; generate second payment information corresponding to the payment request, and send the second payment information to the digital currency server, so that the digital currency server conducts digital currency transactions based on the second payment information.

[0193] In an embodiment of the present application, the account management module 502 is further used to establish an account association relationship with the digital currency hard wallet; when the digital currency hard wallet is in the second mode, based on the account association relationship, the coin string information is shared with the digital currency hard wallet in the security element.

[0194] In an embodiment of the present application, the registration module 501 is further used to determine, in response to a trigger for opening a hard wallet, whether the operating system carried by the first terminal device is a target system, wherein the communication protocol interface corresponding to the first communication component of the target system is not open to the outside; when it is determined that the first terminal device is the target system, if a Bluetooth communication connection is not established between the first terminal device and the second communication component, a prompt message indicating that the Bluetooth communication connection is not connected is issued to prompt the operator to trigger the link information corresponding to the second communication component to establish a Bluetooth communication connection between the first terminal device and the second communication component.

[0195] In an embodiment of the present application, the account management module 502 is further used to receive prompt information instructing network operations sent by the digital currency payment chip, so that the operator can establish a communication connection between the digital currency client and the trusted service management platform based on the prompt information; based on the communication connection, synchronize data for the digital currency payment chip and the trusted service management platform, and after the data synchronization is successful, send the new coin string information sent by the trusted service management platform to the digital currency payment chip, so that the digital currency payment chip updates the stored coin string information and cleans up invalid data.

[0196] In an embodiment of the present application, the account management module 502 is further configured to generate a loss report request to the digital currency server in response to a loss report operation sent by the second terminal device for the digital currency hard wallet, so that the digital currency server performs a loss report on the digital currency hard wallet to prohibit payment using the digital currency hard wallet, wherein the digital currency client of the second terminal device is logged in to an account associated with the digital currency hard wallet.

[0197] In the embodiments of the present application, the digital currency payment device 500 provided in the above embodiments can be installed as a plug-in in an existing digital currency client or a bank client with digital currency management functions. In addition, the digital currency payment device 500 can also serve as a functional module of the digital currency client or the bank client with digital currency management functions.

[0198] In an embodiment of the present application, as shown in FIG6 , a digital currency payment system 600 is provided. The digital currency payment system 600 may include: a payment terminal 601, a digital currency payment chip 300 provided in the above embodiment, and a digital currency client 602 including the digital currency payment device 500 provided in the above embodiment, wherein:

[0199] The digital currency payment chip 300 and the digital currency client 602 are installed in the first terminal device;

[0200] The digital currency hard wallet in the digital currency payment chip 300 is opened based on the Bluetooth communication connection between the second communication component included therein and the digital currency client 602;

[0201] The payment terminal 601 is used to provide a payment request to the digital currency payment chip 300 through near field communication with the first communication component included in the digital currency payment chip 300;

[0202] The digital currency payment chip 300 is used to conduct digital currency transactions based on payment requests.

[0203] In the embodiment of the present application, in order to clearly illustrate the digital currency payment method for the near field communication scenario, the following takes the interaction process between the SIM card b (hereinafter referred to as SIM card b) including the digital currency payment chip C2 (hereinafter referred to as chip C2) provided in the above embodiment and the digital currency client on the mobile terminal as shown in FIG7, and the establishment of an association between the digital currency client and the opened digital currency hard wallet as an example, and describes in detail the process of opening a digital currency hard wallet in the digital currency payment method for the near field communication scenario, which may include the following steps:

[0204] Step S701: Chip C2 in SIM card b provides link information of the second communication component to the first terminal device where the digital currency client is located;

[0205] In an embodiment of the present application, before this step, it may also include: after entering the digital currency client, determining whether the operating system of the mobile terminal is the target system. Generally, the near-field communication interface of the target system (such as the iOS system) is not open to the outside world. The digital currency client determines whether it is connected to the Bluetooth chip. If not, execute step S701.

[0206] Step S702: In response to the triggering operation on the link information, establishing a Bluetooth communication connection between the second communication component and the authorized digital currency client;

[0207] Step S703: Chip C2 in SIM card b receives the authentication request sent by the digital currency client;

[0208] Step S704: Chip C2 in SIM card b sends the authentication random number to the digital currency client;

[0209] Step S705: The digital currency client generates authentication data based on the authentication random number;

[0210] Step S706: receiving authentication data sent by the digital currency client, verifying the authentication data, and determining that the digital currency client is an authorized digital currency client;

[0211] Step S707: The authorized digital currency client sends the hard wallet opening data to the chip C2 in the SIM card b via the Bluetooth communication channel established by the Bluetooth communication connection, thereby opening a digital currency hard wallet for the chip C2 in the SIM card b;

[0212] Step S708: Establishing an association between the digital currency client and the digital currency hard wallet;

[0213] Step S709: The digital currency hard wallet in the chip C2 in the SIM card b shares the coin string information included in the digital currency client with the digital currency client based on the association relationship;

[0214] Step S710: The digital currency client performs transfer operations and query operations for the digital currency hard wallet in the chip C2 in the SIM card b.

[0215] In the embodiment of the present application, in order to clearly illustrate the digital currency payment method for the near field communication scenario, the following takes the interaction between the SIM card b including the above-mentioned digital currency payment chip C2 (wherein the digital currency hard wallet in the digital currency payment chip C2 is bound to the digital currency client) and the payment terminal POS machine and the interaction process between the payment terminal POS machine and the digital currency server as shown in Figures 8A, 8B and 8C as an example, and describes in detail the steps given in Figures 8A, 8B and 8C. The single offline (the single offline is that the digital currency client is in an offline state) digital currency payment method in the near field communication scenario may include the following steps:

[0216] Step S801: The mobile terminal with SIM card b installed is brought close to the POS terminal, and the chip C2 in SIM card b establishes near-field communication with the POS terminal;

[0217] Step S802: SIM card b intercepts the interaction information sent by the POS terminal through the contact payment protocol;

[0218] Step S803: When the intercepted interaction information is payment information, chip C2 in SIM card b calls the first communication component to transmit the payment information to the secure element. When the digital currency hard wallet in the secure element is in the second mode, steps S804 to S808 shown in FIG. 8A are executed. When the digital currency hard wallet in the secure element is in the first mode, steps S809 to S827 shown in FIG. 8B and FIG. 8C are executed.

[0219] Step S804: Chip C2 in SIM card b sends the payment information to the digital currency client via the second communication component;

[0220] Step S805: Chip C2 in SIM card b receives the second payment information sent by the digital currency client through the second communication component;

[0221] Step S806: The chip C2 in the SIM card b sends the second payment information to the POS terminal through the first communication component;

[0222] Step S807: The POS machine sends the second payment information to the digital currency server;

[0223] Step S808: The digital currency server verifies the second payment information to complete the payment and end the current process;

[0224] Step S809: Chip C2 in SIM card b generates a first temporary random number through the secure element, and obtains target coin string information that matches the payment information from the digital currency hard wallet;

[0225] Step S810: Chip C2 in SIM card b uses the secure element to determine whether the amount indicated by the payment information exceeds a preset payment threshold. If so, step S811 is executed; otherwise, step S819 is executed.

[0226] Step S811: The chip C2 in the SIM card b provides a password input interface to the first mobile terminal device through the second communication component, so that the user can enter the payment password on the password input interface;

[0227] Step S812: Chip C2 in SIM card b encrypts the payment password through the secure element;

[0228] Step S813: The secure element of chip C2 in SIM card b generates a coin string key using the first temporary random number, the payer factor stored in the secure element, the payee factor included in the payment request, and the second temporary random number generated by the payee.

[0229] Step S814: The secure element of chip C2 in SIM card b encrypts the coin string key using the payee public key included in the payment request, and encrypts the target coin string information using the coin string key;

[0230] Step S815: The secure element of chip C2 in SIM card b generates first payment information including the encrypted coin string key and the encrypted target coin string information, and adds the encrypted payment password to the first payment information;

[0231] Step S816: Chip C2 in SIM card b sends the first payment information to the POS terminal via the first communication component;

[0232] Step S817: The POS machine sends the first payment information to the digital currency server;

[0233] Step S818: The digital currency server verifies the first payment information. If the verification is successful, the payment is received and the current process ends.

[0234] Step S819: The secure element of chip C2 in SIM card b generates first payment information corresponding to the payment request;

[0235] This step is specifically implemented as follows: the secure element of chip C2 in SIM card b generates a first temporary random number, obtains account information from the digital currency hard wallet, and splits and / or merges the account information and one or more coin string information contained in the digital currency hard wallet to obtain target coin string information that matches the payment information; generates a coin string key using the first temporary random number, the payer factor stored in the secure element, the payee factor included in the payment request, and a second temporary random number generated by the payee; encrypts the coin string key using the payee public key included in the payment request, and encrypts the target coin string information using the coin string key; and generates first payment information including the encrypted coin string key and the encrypted target coin string information.

[0236] Step S820: Chip C2 in SIM card b sends the first payment information to the POS terminal through the first communication component;

[0237] Step S821: The POS machine sends the first payment information to the digital currency server;

[0238] Step S822: The digital currency server verifies the first payment information to complete the payment;

[0239] Step S823: Chip C2 in SIM card b stores the transaction record that matches the payment information and the target coin string information in the secure element;

[0240] Step S824: The digital currency client updates the coin string information contained in the digital currency hard wallet in the secure element of chip C2 in SIM card b and the transaction records recorded by the secure element when connected to the network;

[0241] Step S825: The digital currency client generates a loss reporting request in response to the loss reporting operation for the digital currency hard wallet sent by the second terminal device;

[0242] Step S826: The digital currency client sends a loss report request to the digital currency server;

[0243] Step S827: The digital currency server reports the digital currency hard wallet lost to prohibit payment using the digital currency hard wallet.

[0244] In the embodiment of the present application, in order to clearly illustrate the digital currency payment method for the near field communication scenario, the following takes the interaction between the SIM card b including the above-mentioned digital currency payment chip C2 and the payment terminal POS machine and the interaction process between the payment terminal POS machine and the digital currency server as shown in Figure 9 as an example, and describes in detail based on the steps given in Figure 9. In the near field communication scenario, when the digital currency client of the payment terminal POS machine is offline and the digital currency payment chip in the SIM card b is offline, the payment amount does not exceed the payment threshold and the number of payments does not exceed the preset number of payments of the digital currency hard wallet, the digital currency payment method may include the following steps:

[0245] Step S901: The mobile terminal with SIM card b installed is brought close to the POS terminal, and the chip C2 in SIM card b establishes near-field communication with the POS terminal;

[0246] Step S902: SIM card b intercepts the interaction information sent by the POS terminal through the contact payment protocol;

[0247] Step S903: When the intercepted interaction information is payment information, chip C2 in SIM card b calls the first communication component to transmit the payment information to the secure element. If the digital currency hard wallet in the secure element is in the second mode, steps S904 and S905 are executed. If the digital currency hard wallet in the secure element is in the first mode, steps S906 to S909 are executed.

[0248] Step S904: The secure element of chip C2 in SIM card b directly rejects the payment;

[0249] Step S905: The POS terminal generates payment failure indication information and ends the current process;

[0250] Step S906: The secure element of chip C2 in SIM card b generates first payment information corresponding to the payment request;

[0251] This step is specifically implemented as follows: the security element generates a first temporary random number, and uses the first temporary random number, the payer factor stored in the security element, the payee factor included in the payment request, and the second temporary random number generated by the payee to generate a coin string key; uses the payee public key included in the payment request to encrypt the coin string key, and uses the coin string key to encrypt the target coin string information; generates first payment information including the encrypted coin string key and the encrypted target coin string information.

[0252] Step S907: The chip C2 in the SIM card b sends the first payment information to the POS terminal through the first communication component;

[0253] Step S908: The digital currency client of the POS machine decrypts the first payment information and stores the decrypted coin string information;

[0254] That is, when the digital currency client of the POS machine is offline (that is, the digital currency client of the POS machine has not established a communication connection with the digital currency server), the decrypted coin string information can be stored through the digital currency client.

[0255] Step S909: After the digital currency client of the POS machine is connected to the network, the data of the first payment information is synchronized to the digital currency server.

[0256] In an embodiment of the present application, in the above-mentioned digital currency payment process, after the payment is successful, the digital currency server can directly push it to the mobile terminal or digital currency client in the form of a message notification or UI.

[0257] Based on the above embodiment, the above digital currency payment method can also be used when the digital currency payment chip and the digital currency client are both online (that is, the digital currency payment chip and the digital currency client have established a Bluetooth communication connection, and the digital currency client is in an online state). In this case, when the digital currency hard wallet of the digital currency payment chip is in the second mode, the digital currency payment chip can send the payment request of the payee to the digital currency client through the Bluetooth communication channel established by the Bluetooth communication connection. The digital currency client sends the payment request to the digital currency server, and the digital currency server conducts digital currency transactions based on the payment request and the coin string information of the account associated with the digital currency hard wallet.

[0258] In an embodiment of the present application, a digital currency payment chip including the above-mentioned security element and the above-mentioned first communication component is also provided. The chip can open a digital currency hard wallet through other means and store account information for the digital currency hard wallet. Further, the chip can store coin string information for the digital currency hard wallet through other operation methods such as bank transfer, first communication component transfer, etc.

[0259] To clearly illustrate the digital currency payment method in the near field communication scenario, the following takes the interaction between the SIM card a (hereinafter referred to as SIM card a) and the digital currency payment chip C1 (hereinafter referred to as chip C1) including only a secure element and a first communication component as shown in FIG10 and the POS terminal, and the interaction between the POS terminal and the digital currency server as an example, and describes in detail the digital currency payment method in the near field communication scenario, which may include the following steps:

[0260] Step S1001: registering and opening a digital currency hard wallet for chip C1 included in SIM card a, and storing account information and one or more coin strings indicating digital currency amounts in the digital currency hard wallet;

[0261] Step S1002: The POS machine receives the amount to be paid by the user input by the merchant, and generates payment information based on the amount;

[0262] Step S1003: The mobile terminal with SIM card a installed is brought close to the POS terminal, and the chip C1 establishes near-field communication with the POS terminal via the first communication component;

[0263] Step S1004: Chip C1 in SIM card a intercepts the interaction information sent externally;

[0264] Step S1005: When the intercepted interactive information is payment information, the chip C1 calls the first communication component to transmit the payment information to the secure element;

[0265] Step S1006: Chip C1 generates first payment information corresponding to the payment request through the secure element;

[0266] The implementation process of this step is the same as the implementation process of the above step S906, and will not be repeated here.

[0267] Step S1007: Chip C1 sends the first payment information to the POS terminal through the first communication component;

[0268] Step S1008: The POS machine sends the first payment information to the digital currency server;

[0269] Step S1009: The digital currency server verifies the first payment information and completes the payment after the verification is passed.

[0270] It is worth noting that the digital currency server involved in each of the above-mentioned specific embodiments may include a server related to digital currency transactions and a trusted service management platform for managing digital currency accounts.

[0271] FIG11 shows an exemplary system architecture 1100 to which the digital currency payment method or digital currency payment chip according to an embodiment of the present application can be applied.

[0272] As shown in Figure 11, the system architecture 1100 may include a first terminal device 1101 equipped with a SIM card having a digital currency payment chip (the digital currency payment chip includes a security element, a first communication component (the communication protocol adopted by the first communication component includes a near-field communication protocol and / or a limited-domain communication protocol) and a second communication component (the communication protocol adopted by the second communication component includes a Bluetooth communication protocol)), a network 1102, a payment terminal 1103, a digital currency server 1104 and a second terminal device 1105. The network 1102 is used to provide a medium for communication links between the first terminal device 1101 and the digital currency server 1104, between the payment terminal 1103 and the digital currency server 1104, and between the second terminal device 1105 and the digital currency server 1104. The network 1102 may include various connection types, such as wired, wireless communication links or fiber optic cables, etc.

[0273] The user can use the digital currency client installed on the first terminal device 1101 to interact with the digital currency server 1104 via the network 1102 to receive or send messages, etc. For example, the digital currency server 1104 receives a user digital identity registration request, a digital currency account query request, etc. sent by the first terminal device 1101, and the first terminal device 1101 receives the successful registration information, account query structure, etc. sent by the digital currency server 1104 to the digital currency client of the first terminal device 1101. The digital currency client installed on the first terminal device 1101 can also establish a Bluetooth communication connection with the SIM card installed in the first terminal device 1101, open a digital currency hard wallet for storing account information and coin string information for the digital currency payment chip of the SIM card, and update the coin string information and transaction records stored in the digital currency payment chip of the SIM card installed in the first terminal device 1101.

[0274] The user can use the digital currency payment chip on the SIM card installed in the first terminal device 1101 to interact with the payment terminal via near-field communication. For example, the user can use the digital currency payment chip on the SIM card installed in the first terminal device 1101 to receive a payment request sent by the payment terminal 1103 via near-field communication, and send the payment information corresponding to the payment request to the payment terminal 1103 via near-field communication. The digital currency payment chip on the SIM card installed in the first terminal device 1101 can also receive prompt information indicating payment success or payment failure sent by the payment terminal 1103 via near-field communication.

[0275] The payment terminal 1103 sends the received payment information to the digital currency server 1104. The digital currency server 1104 verifies the payment information and, after verification, sends information indicating successful payment or receipt of the payment to the payment terminal 1103.

[0276] The second terminal device 1105 is installed with a digital currency client. The user sends an account query of the digital currency hard wallet or a loss report request of the digital currency hard wallet to the digital currency server 1104 through the digital currency client installed on the second terminal device 1105, and the digital currency server 1104 reports the loss of the digital currency hard wallet.

[0277] Various communication client applications can be installed on the first terminal device 1102 and the second terminal device 1105, such as digital currency client applications, financial-related clients, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (just examples).

[0278] The first terminal device 1101 and the second terminal device 1105 can be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones and tablet computers that can be installed with SIM cards.

[0279] The digital currency server 1104 may be a server that provides various services, or a service system implemented by a blockchain or distributed ledger, such as a backend management server that provides support for identity authentication or digital currency transactions sent by a user using the first terminal device 1101 or the payment terminal 1103 (for example only). The digital currency server 1103 may analyze and process the received identity authentication or digital currency transaction data, and feedback the processing results (for example, successful authentication or successful transaction - for example only) to the first terminal device or the payment terminal.

[0280] It should be noted that the digital currency payment method provided in the embodiment of the present application is generally executed by a first terminal device 1101 installed with a digital currency client and a SIM card (the SIM card contains a digital currency payment chip), a payment terminal 1103 and a digital currency server 1104 in collaboration with each other.

[0281] It should be understood that the number of first terminal devices, payment terminals, digital currency service terminals, and second terminal devices in Figure 11 is merely illustrative. Depending on the implementation requirements, any number of first terminal devices, payment terminals, digital currency service terminals, and second terminal devices may be provided.

[0282] Referring now to FIG12 , a schematic diagram illustrating the structure of a computer system 1200 suitable for implementing a first terminal device, a payment terminal, or a digital currency server in accordance with an embodiment of the present application is shown. The computer system 1200 shown in FIG12 is merely an example and should not limit the functionality or scope of use of the embodiments of the present application.

[0283] As shown in FIG12 , a computer system 1200 includes a central processing unit (CPU) 1201, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 1202 or a program loaded from a storage unit 1208 into a random access memory (RAM) 1203. Various programs and data required for the operation of the system 1200 are also stored in the RAM 1203. The CPU 1201, the ROM 1202, and the RAM 1203 are connected to each other via a bus 1204. An input / output (I / O) interface 1205 is also connected to the bus 1204.

[0284] The following components are connected to the I / O interface 1205: an input section 1206 including a keyboard, a mouse, and the like; an output section 1207 including a cathode ray tube (CRT), a liquid crystal display (LCD), and a speaker; a storage section 1208 including a hard disk and the like; and a communication section 1209 including a network interface card such as a LAN card or a modem and near-field communication such as NFC and RCC. The communication section 1209 performs communication processing via a network such as the Internet or near-field communication. A drive 1210 is also connected to the I / O interface 1205 as needed. A removable medium 1211, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, and the like, is installed in the drive 1210 as needed so that a computer program read therefrom can be installed into the storage section 1208 as needed.

[0285] In particular, according to the embodiments disclosed in the present application, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present application include a computer program product comprising a computer program carried on a computer-readable medium, the computer program comprising program code for executing 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 1209, and / or installed from a removable medium 1211. When the computer program is executed by the central processing unit (CPU) 1201, the above-mentioned functions defined in the system of the present application are executed.

[0286] It should be noted that the computer-readable medium shown in this application can be a computer-readable signal medium or a computer-readable storage medium, or any combination of the two. The computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device, or device, or any combination of the above. More specific examples of computer-readable storage media 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 this application, a computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, device, or device. In this application, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, which carries computer-readable program code. This propagated data signal can take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport a program for use by or in conjunction with an instruction execution system, apparatus, or device. Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to wireless, wireline, optical fiber cable, RF, or any suitable combination thereof.

[0287] The flowcharts and block diagrams in the accompanying drawings illustrate the possible implementation architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present application. In this regard, each box in the flowchart or block diagram can represent a module, program segment, or a part of code, and the above-mentioned module, program segment, or a part of code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in an order different from that marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flowchart, and the combination of the boxes in the block diagram or flowchart, can be implemented with a dedicated hardware-based system that performs the specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

[0288] The units involved in the embodiments described in this application may be implemented in software or hardware. The units described may also be provided in a processor. For example, it may be described as follows: a processor includes a security element, a first communication component, and a second communication component. The names of these elements or components do not, in certain circumstances, constitute limitations on the elements or components themselves. For example, a security element may also be described as a "component that generates payment information."

[0289] As another aspect, the present application also provides a computer-readable medium, which may be included in the device described in the above embodiment; or may exist independently and not be assembled into the device. The above computer-readable medium carries one or more programs, and when the above one or more programs are executed by a device, the device includes: using the second communication component to receive hard wallet opening data sent by the digital currency client, and opening a digital currency hard wallet in the security element; using the first communication component to receive payment requests and conduct digital currency transactions.

[0290] According to the technical solution of the embodiment of the present application, a Bluetooth communication connection is established between a second communication component that can adopt a Bluetooth communication protocol included in a digital currency payment chip (hereinafter referred to as the chip) and an authorized digital currency client, so that the authorized digital currency client can open a digital currency hard wallet in the security element included in the chip. Subsequently, the chip receives a payment request through a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol to conduct digital currency transactions, that is, near-field communication transactions of digital currency are realized through the first communication component of the chip. Since the chip itself has a first communication component that can adopt a near-field communication protocol and / or a limited-domain communication protocol, when the chip is applied to a mobile terminal, it can solve the near-field payment problem of a mobile terminal without a near-field communication function or a mobile terminal whose near-field communication interface is not open to the outside world. Therefore, the solution provided by the embodiment of the present application solves the problem of application limitations of near-field communication payment and effectively expands the application scenarios of near-field communication payment.

[0291] The various embodiments in this application are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the various embodiments can be referenced to each other.

[0292] It should also be noted that, in this application document, relational terms such as "first" and "second" are used only to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply any such actual relationship or order between these entities or operations. In addition, the terms "comprises", "includes" or any other variations thereof are intended to cover non-exclusive inclusion, so that a process, circuit, article or device that includes a series of elements includes not only those elements, but also other elements not explicitly listed, or also includes elements inherent to such process, circuit, article or device. In the absence of further restrictions, an element defined by the sentence "comprises a..." does not exclude the presence of other identical elements in the process, circuit, article or device that includes the element.

[0293] The above is a detailed introduction to the technical solution provided by this application. Specific examples are used herein to illustrate the principles and implementation methods of this application. The description of the above embodiments is only intended to help understand the circuits and core concepts of this application. It should be noted that, for those skilled in the art, without departing from the principles of this application, several improvements and modifications can be made to this application, and these improvements and modifications also fall within the scope of protection of this application.

Claims

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

Images