Transaction method and transaction system based on digital currency hardware wallet

Abstract

A transaction method and a transaction system based on a digital currency hardware wallet. The transaction method comprises: a mobile communication apparatus acquires capability information of a digital currency hardware wallet from same during interaction, and determines whether the digital currency hardware wallet has a payment receiving capability, a display capability and a network connectivity capability on the basis of the capability information; in response to the determination that the digital currency hardware wallet has the payment receiving capability and the display capability and does not have the network connectivity capability, the mobile communication apparatus sends digital currency transaction information to a background server for transaction processing; and in response to an echo command generated after the background server executes transaction processing on the basis of the digital currency transaction information, the mobile communication apparatus receives and sends the echo command to the digital currency hardware wallet, such that the digital currency hardware wallet updates and displays information comprising a transaction amount and a balance by means of the display capability of the digital currency hardware wallet according to the echo command. The transaction method provides a transaction mode using the digital currency hardware wallet as a payment receiving terminal.

Description

Transaction method and transaction system based on digital currency hardware wallet

[0001] CROSS-REFERENCE TO RELATED APPLICATIONS

[0002] This application claims priority to Chinese patent application No. 202410175523.3, filed on February 7, 2024, entitled “Transaction Method and Transaction System Based on Digital Currency Hardware Wallet”. The contents disclosed in the above-mentioned Chinese patent application are hereby cited in their entirety as part or all of this application. Technical Field

[0003] Embodiments of the present disclosure relate to a transaction method and a transaction system based on a digital currency hardware wallet. Background Art

[0004] Since digital wallet transactions provide a simpler transaction process and digital wallets have many advantages over conventional transaction technologies (including card payments, cash payments, bank transfers, etc.), existing digital wallet transactions are increasing.

[0005] Digital currency hardware wallets, as a type of digital wallet, are becoming increasingly popular. However, using digital currency hardware wallets as payment terminals for transactions is a challenge, and no relevant transaction system currently exists. Summary of the Invention

[0006] At least one embodiment of the present disclosure provides a transaction method based on a digital currency hardware wallet, the method comprising: a mobile communication device obtaining capability information of a digital currency hardware wallet in interaction, and determining whether the digital currency hardware wallet has payment receiving capability, display capability, and networking capability based on the capability information; in response to a determination that the digital currency hardware wallet has payment receiving capability and display capability, but does not have networking capability, the mobile communication device sending digital currency transaction information to a backend server for transaction processing, where the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; in response to an echo instruction generated by the backend server after executing transaction processing based on the digital currency transaction information, the mobile communication device receives and sends the echo instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays information including the transaction amount and balance through its display capability based on the echo instruction.

[0007] Optionally, according to the transaction method of at least one embodiment of the present disclosure, when the capability information includes a payment capability identifier indicating that the digital currency hardware wallet has the ability to receive payments, the mobile communication device sends an instruction to the digital currency hardware wallet to obtain digital currency transaction information.

[0008] Optionally, according to the transaction method of at least one embodiment of the present disclosure, when the capability information includes a payment capability identifier indicating that the digital currency hardware wallet has the ability to receive payments and information indicating that the digital currency hardware wallet supports a payment address, the mobile communication device sends an instruction to the digital currency hardware wallet to obtain the payment address, and generates and sends digital currency transaction information based on the payment information obtained from the payment address.

[0009] Optionally, according to the transaction method of at least one embodiment of the present disclosure, the digital currency hardware wallet uses its display capability to perform at least one operation of clearing displayed information, updating displayed information to transaction amount information, and updating displayed information to set prompt information.

[0010] Optionally, according to the transaction method of at least one embodiment of the present disclosure, the payment address is a payment website that can be linked to a payment page via an Internet connection.

[0011] Optionally, according to the transaction method of at least one embodiment of the present disclosure, the digital currency transaction information is encrypted ciphertext information containing a MAC value.

[0012] Optionally, according to the transaction method of at least one embodiment of the present disclosure, the backend server includes a first server related to the software wallet of the mobile communication device and a second server related to the digital currency hardware wallet; the first server determines whether it is an internal transaction of the institution based on the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and selects whether the transaction processing is performed by the first server or the second server based on the judgment result.

[0013] Optionally, according to the transaction method of at least one embodiment of the present disclosure, the first server performs transaction processing through the following steps: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet has the authority to receive payment based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the authority to receive payment, transferring the amount in the software wallet in the mobile communication device to the digital currency hardware wallet based on the decrypted transaction information, generating a transaction result instruction and an echo instruction and sending them to the mobile communication device.

[0014] Optionally, according to the transaction method of at least one embodiment of the present disclosure, the second server performs transaction processing through the following steps: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet has the authority to receive payment based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the authority to receive payment, increasing the balance of the digital currency hardware wallet based on the decrypted information, generating and returning a transaction result instruction and an echo instruction to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the echo instruction to the mobile communication device.

[0015] At least one embodiment of the present disclosure provides a transaction system based on a digital currency hardware wallet, the transaction system comprising: a digital currency hardware wallet, a mobile communication device, and a backend server, wherein the digital currency hardware wallet is configured to have payment receiving and display capabilities, but not have networking capabilities, and to update and display information including transaction amounts and balances through its display capabilities according to an echo instruction; the mobile communication device is configured to obtain capability information from the interacting digital currency hardware wallet, and determine whether the digital currency hardware wallet has payment receiving and display capabilities according to the capability information; in response to the determination that the digital currency hardware wallet has payment receiving and display capabilities, but not has networking capabilities, send digital currency transaction information to the backend server for transaction processing; and in response to the echo instruction sent by the backend server, receive and forward to the digital currency hardware wallet the digital currency transaction information, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; the backend server is configured to perform transaction processing according to the digital currency transaction information, generate an echo instruction, and send the echo instruction to the mobile communication device.

[0016] Optionally, in a transaction system according to at least one embodiment of the present disclosure, the mobile communication device is configured to send an instruction to the digital currency hardware wallet to obtain digital currency transaction information when the capability information includes a payment capability identifier indicating that the digital currency hardware wallet has the ability to receive payments.

[0017] Optionally, in a transaction system according to at least one embodiment of the present disclosure, the mobile communication device is configured to send an instruction to the digital currency hardware wallet to obtain a payment address when the capability information includes a payment capability identifier indicating that the digital currency hardware wallet has the ability to receive payments and information indicating that the digital currency hardware wallet supports a payment address, and to generate and send digital currency transaction information based on the payment information obtained through the payment address.

[0018] Optionally, in a transaction system according to at least one embodiment of the present disclosure, the digital currency hardware wallet is configured to perform at least one of clearing displayed information, updating displayed information to transaction amount information, and updating displayed information to set prompt information through its display capability.

[0019] Optionally, in the transaction system according to at least one embodiment of the present disclosure, the payment address is a payment website that can be linked to a payment page via an Internet connection.

[0020] Optionally, in the transaction system according to at least one embodiment of the present disclosure, the digital currency transaction information is encrypted ciphertext information containing a MAC value.

[0021] Optionally, in a transaction system according to at least one embodiment of the present disclosure, the backend server includes a first server associated with a software wallet of a mobile communication device and a second server associated with a digital currency hardware wallet; the first server is configured to determine whether it is an internal transaction of the institution based on the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and select whether the transaction processing is performed by the first server or the second server based on the judgment result.

[0022] Optionally, in a transaction system according to at least one embodiment of the present disclosure, the first server is configured to perform transaction processing through the following steps: performing MAC value verification and decryption processing on digital currency transaction information; judging whether the digital currency hardware wallet has the authority to receive payment based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the authority to receive payment, transferring the amount in the software wallet in the mobile communication device to the digital currency hardware wallet based on the decrypted transaction information, generating a transaction result instruction and an echo instruction and sending them to the mobile communication device.

[0023] Optionally, in a transaction system according to at least one embodiment of the present disclosure, the second server is configured to perform transaction processing through the following steps: performing MAC value verification and decryption processing on digital currency transaction information; judging whether the digital currency hardware wallet has the authority to receive payment based on the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the authority to receive payment, increasing the balance of the digital currency hardware wallet based on the decrypted transaction information, generating and returning a transaction result instruction and an echo instruction to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the echo instruction to the mobile communication device.

[0024] At least one embodiment of the present disclosure provides an electronic device, wherein the electronic device includes: one or more processors; a storage device for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement the transaction method provided according to at least one embodiment of the present disclosure.

[0025] At least one embodiment of the present disclosure provides a computer-readable medium having a computer program stored thereon, wherein when the program is executed by a processor, the transaction method provided according to at least one embodiment of the present disclosure is implemented.

[0026] The solution of the embodiment of the present disclosure can realize a new transaction model when a digital currency hardware wallet is used as a payment terminal, and can save more device costs and expenses compared to other payment terminals, and has better security. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the following briefly introduces the drawings of the embodiments of the present disclosure. Obviously, the drawings described below only relate to some embodiments of the present disclosure, and are not intended to limit the present disclosure.

[0028] FIG1 shows a block diagram of a digital currency hardware wallet-based transaction system according to at least one embodiment of the present disclosure;

[0029] FIG2 illustrates a block diagram of an exemplary mobile communication device and a digital currency hardware wallet according to at least one embodiment of the present disclosure;

[0030] FIG3 shows a schematic diagram of the appearance of an exemplary digital currency hardware wallet according to at least one embodiment of the present disclosure;

[0031] FIG4 shows a flow chart of a transaction method based on a digital currency hardware wallet according to at least one embodiment of the present disclosure;

[0032] FIG5 shows a flowchart of an exemplary transaction method according to at least one embodiment of the present disclosure;

[0033] FIG6 shows a flowchart of another exemplary transaction method according to at least one embodiment of the present disclosure;

[0034] FIG7 shows a schematic block diagram of an electronic device according to at least one embodiment of the present disclosure;

[0035] FIG8 shows a schematic diagram of a computer-readable medium according to at least one embodiment of the present disclosure. DETAILED DESCRIPTION

[0036] Reference will now be made in detail to specific embodiments of the present disclosure, examples of which are illustrated in the accompanying drawings. Although the present disclosure will be described in conjunction with specific embodiments, it will be understood that the disclosure is not intended to be limited to the described embodiments. On the contrary, it is intended to cover variations, modifications, and equivalents within the spirit and scope of the present disclosure as defined by the appended claims. It should be noted that the method operations described herein can be implemented by any functional block or functional arrangement, and any functional block or functional arrangement can be implemented as a physical entity or a logical entity, or a combination of the two.

[0037] In order to enable those skilled in the art to better understand the present disclosure, the present disclosure is further described in detail below with reference to the accompanying drawings and specific embodiments.

[0038] Note that the examples described below are merely specific examples and are not intended to limit the embodiments of the present disclosure to the specific configurations, hardware, connections, operations, values, conditions, data, sequences, etc. shown and described. Those skilled in the art can apply the concepts of the present disclosure to construct further embodiments not described herein by reading this specification.

[0039] The terms used in this disclosure are those commonly used in the art currently in consideration of the functions of the present disclosure, but these terms may vary according to the intentions of those skilled in the art, precedents, or new technologies in the art. In addition, specific terms may be selected by the applicant, and in such cases, their detailed meanings will be described in the detailed description of the present disclosure. Therefore, the terms used in the specification should not be understood as simple names, but rather as a general description based on the meaning of the terms and the present disclosure.

[0040] Flowcharts are used in this disclosure to illustrate the operations performed by the systems according to the embodiments of the present application. It should be understood that the preceding or following operations are not necessarily performed in exact order. Instead, the various steps may be processed in reverse order or simultaneously, as needed. Furthermore, other operations may be added to these processes, or one or more operations may be removed from these processes.

[0041] First, the abbreviations and related terms involved in this disclosure are defined and explained.

[0042] Digital currency wallets: These can be software wallets or hardware wallets. A software wallet refers to a wallet service provided by a smart application that supports digital currency. This can be understood as a software wallet presented as an application (app). Examples include digital wallets within digital currency apps for various operating banks and digital wallets within the apps of various operating banks. A hardware wallet refers to a physical medium for storing digital currency, opened over the counter or through electronic channels. It is a digital currency carrier with hardware security unit media and similarly provides basic functions such as redemption, redemption, deposit, withdrawal, spending, transfer, and inquiry. Examples include mobile phones with a secure element (SE), NFC-SIM cards, IC cards, and wearable devices.

[0043] Hardware Wallet Application: Supports basic functions such as hardware wallet opening / cancellation, online / offline payment, and balance inquiry. It provides security authentication for financial operations such as transfers and spending, as well as offline security authentication, and provides users with services such as changing authentication methods and resetting passwords.

[0044] Interoperability Platform: A platform that supports the transfer, clearing, and message exchange of digital currencies / electronic payments between the central bank and various operating institutions. It enables interconnection and interoperability between the central bank and various operating institutions.

[0045] Interaction capability: The capability information of each transaction terminal in interaction, including communication mode, network status, human-computer interaction input and output security capabilities, payment terminal form and other capability parameters.

[0046] Feature negotiation: Based on the above definition of interaction capability parameters, before two wallets interact, they need to exchange interaction capability parameters to determine the characteristics of the transaction between the two parties, including the transaction model and other transaction control parameters.

[0047] Mobile communication device: also known as a mobile terminal or mobile communication terminal, includes any electronic device that can be conveniently carried or operated by a user, which can also provide remote communication capabilities with a network. Mobile communication devices can communicate using mobile phone (wireless) networks, wireless data networks (e.g., 3G, 4G, 5G or similar networks), Wi-Fi, Bluetooth, Bluetooth Low Energy (BLE), Wi-Max, or any other communication medium that can provide access to networks such as the Internet or private networks. Examples of mobile communication devices include mobile phones (also known as mobile phone terminals), tablet computers, netbooks, laptop computers, wearable devices (such as watches), etc. Mobile communication devices may include any suitable hardware and software for performing such functions, and may also include multiple devices or components.

[0048] Issuer: This can be a financial institution, such as a bank, that creates and maintains a financial account for the account holder.

[0049] It should be noted that the collection, collection, updating, analysis, processing, use, transmission, and storage of user personal information involved in the technical solutions disclosed herein are in compliance with relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures will be taken with respect to user personal information to prevent unauthorized access to user personal information data and to safeguard the security of user personal information, network security, and national security.

[0050] In related technologies, digital currency hardware wallets typically function as payment terminals and are used for digital currency transactions. In certain scenarios, for small-value digital currency transactions and to reduce merchant transaction costs, there's an urgent need to provide a solution that uses digital currency hardware wallets as payment terminals with payment functions and a corresponding transaction model. However, related technologies currently lack this solution.

[0051] To address the aforementioned issues, at least one embodiment of the present disclosure provides a transaction method and related system, proposes a solution for conducting digital currency transactions using a digital currency hardware wallet as the payee, and provides a new transaction model, thereby expanding the functionality and scope of digital currency hardware wallets and reducing transaction costs for merchants.

[0052] Hereinafter, the embodiments of the present disclosure will be described in detail with reference to the accompanying drawings. In the accompanying drawings, the same elements are represented by using the same reference numerals. In addition, the same terms are used throughout the detailed description to refer to the same elements.

[0053] FIG1 shows a block diagram of a transaction system 100 based on a digital currency hardware wallet (hereinafter referred to as a hardware wallet or hard wallet) according to at least one embodiment of the present disclosure.

[0054] As shown in FIG1 , the transaction system 100 includes a hardware wallet 102 , a mobile communication device 104 , and a backend server (as shown in the example in the figure, it may include a first server 106 , a second server 110 , and an interconnection platform 108 ).

[0055] In the disclosed embodiments, the hardware wallet 102 may be an electronic device including an NFC card chip. For example, the hardware wallet 102 may be a portable terminal capable of supporting one or more NFC functions (NFC payment functions), such as the card-type hard wallet shown in FIG3 . Generally, the hardware wallet 102 may use NFC to perform payments or communications. When using NFC for payment or communication, a built-in digital currency application, such as a hardware wallet application, may be activated and used.

[0056] For example, mobile communication device 104 can communicate with hardware wallet 102 in a contactless manner via NFC. By using NFC, mobile communication device 104 and hardware wallet 102 can perform the following functions: contactless mobile payment, secure authentication, and data exchange. Hereinafter, the present disclosure will describe embodiments using commercial off-the-shelf devices, such as mobile phones, as examples of mobile communication device 104; however, the present disclosure is not limited thereto.

[0057] For example, messages between the mobile communication device 104 and the backend server may be sent over the communication network 105 using a secure communication protocol, such as, but not limited to, File Transfer Protocol (FTP), Hypertext Transfer Protocol (HTTP), Secure Hypertext Transfer Protocol (HTTPS), etc. The communication network 105 may include any one and / or a combination of the following: direct interconnection, the Internet, a local area network (LAN), a metropolitan area network (MAN), a secure custom connection, a wide area network (WAN), a wireless network, etc.

[0058] In the embodiment of the present disclosure, the backend server is a backend system that supports the digital currency mobile payment function, which may include the backend server of the payment and collection operation agency and the interconnection platform, supporting digital currency transactions within the agency and across agencies.

[0059] As shown in FIG1 , in most cases, the backend server includes a first server 106 and a second server 110. The first server 106 is a system or server corresponding to the payer's wallet (e.g., a software wallet in a mobile communication device 104), and the second server 110 is a system or server corresponding to the payee's wallet (e.g., a hardware wallet 102). Both of them can process digital currency transactions within the organization and generate echo instructions.

[0060] In order to facilitate information exchange between multiple operating organizations, in the embodiment of the present disclosure, the backend server also includes an interconnection system or server (such as the interconnection platform 108 in Figure 1) that is connected to the system or server corresponding to each operating organization.

[0061] For example, in an embodiment of the present disclosure, when a digital currency transaction is conducted based on the payer wallet identifier, the payee wallet identifier and the transaction amount in the transaction ciphertext, when the operating institutions of the wallets corresponding to the payer wallet identifier and the payee wallet identifier belong to the same wallet operating institution, the transaction is conducted within the institution; when the operating institutions of the wallets corresponding to the payer wallet identifier and the payee wallet identifier do not belong to the same wallet operating institution, a transaction request is sent through the interconnection platform to conduct a cross-institutional transaction.

[0062] For example, in some transaction scenarios, the payee's wallet and the payer's wallet belong to the same digital currency operating institution. The digital currency transaction is carried out on the server of the same digital currency operating institution, and the server or system of the digital currency operating institution in the transaction transfers the digital currency.

[0063] For example, in other transaction scenarios, if the payee wallet and the payer wallet do not belong to the same digital currency operating institution, the transaction process will be carried out between the server or system of the payee operating institution, the server or system of the payer operating institution, and the interconnected server or system. For example, after the mobile communication device 104 in this example sends the transaction ciphertext to the server or system of the payer operating institution (e.g., the first server 106), it determines the operating institution corresponding to the payee wallet based on the identifier of the payee wallet, and then sends the transaction request to the operating institution corresponding to the payee wallet through the interconnected system or server. The server or system of the operating institution corresponding to the payee wallet (e.g., the second server 110) adds the digital currency corresponding to the transaction amount to the payee wallet (hardware wallet 102). At the same time, the operating institution of the payer wallet deducts the digital currency corresponding to the transaction amount from the payer wallet (the software wallet in the mobile communication device 104).

[0064] In some embodiments of the present disclosure, the payer wallet identifier can be associated with a wallet account. When deducting digital currency, it can be deducted from the wallet account. In other words, the operating organization of the payer wallet identifies the wallet account through the associated identifier of the payer wallet and deducts the money.

[0065] In addition to the above, before digital currency transactions are executed, the issuer 101 is also involved. When issuing certain hardware wallets, the issuer 101 may need to enable the hardware wallet 102 to receive payments, depending on the scenario. When issuing these hardware wallets, the issuer 101 will write user information and a flag indicating the hardware wallet's ability to receive payments, or write user information, a flag indicating the hardware wallet's ability to receive payments, and a payment address. This allows the hardware wallet to be personalized and, by writing a flag indicating the hardware wallet's ability to receive payments in real time, it can serve as a payment terminal for transaction processing.

[0066] The payment address can exist in various forms. In the disclosed embodiment, the payment address is a payment URL that can be linked to a payment page via an Internet connection. The confidentiality and integrity of the payment address are protected by the management key of the security unit in the hard wallet, and the payment address cannot be changed at will. In the disclosed embodiment, the mobile communication device 104 can access the payment page linked to the payment address via the communication network 105.

[0067] In addition to the URL format mentioned above, the payment address can also be displayed in the form of mini-program pages and H5 pages. Among them, "mini-program" is an application that can be used without downloading and installing. After entering the mini-program, the mini-program page runs in a full view form and covers the host application page in the form of a window overlay; H5 page refers to a web page developed based on the fifth version of Hypertext Markup Language 5 (HTML5) technology. On mobile devices, computers and other electronic devices, different page information can be presented based on H5 pages through different elements such as text, music, pictures, links, etc., which has the advantages of fast iteration and flexible configuration operation.

[0068] FIG2 illustrates a block diagram of an exemplary mobile communication device 104 and a hardware wallet 102 , according to at least one embodiment of the present disclosure.

[0069] 2 , the mobile communication device 104 may include a payment module 1042, a processor 1044, a memory 1046, and a communicator 1045. Of course, the mobile communication device 104 may omit at least one component, or may further include other components.

[0070] In an embodiment of the present disclosure, the payment module 1042 may include software and / or programs for supporting digital currency soft wallet functions. The soft wallet functions may include, for example, operations of selecting a hardware wallet application for capability negotiation, opening a payment page for a payment address in response to a payment address sent by the hardware wallet, sending generated digital currency transaction information to an external device (e.g., a backend server), receiving payment completion information from an external device (e.g., a backend server) and displaying the received payment completion information, etc. The payment completion information may include receipt information, which includes the product name, price, quantity, merchant name, or order number related to the merchant transaction.

[0071] For example, the communicator 1045 can communicate with at least one other electronic device via a wireless communication network. According to an embodiment of the present disclosure, the communicator 1045 is configured to communicate wirelessly with the hardware wallet 102. Specifically, the communication connection method may include a short-range wireless communication connection for forming a direct communication (Device-To-Device, D2D) channel between two devices. Here, the short-range wireless communication connection may include a communication connection through a short-range wireless communication network based on a short-range wireless communication standard (such as Bluetooth, Wi-Fi, BLE, Near Field Communication (NFC) / Radio Frequency Identification (RFID), Wi-Fi Direct, Ultra-Wideband (UWB), Zigbee, etc.). For example, the communicator 210 of the embodiment of the present disclosure includes an NFC card chip, and information is transmitted via NFC wireless communication. In addition, the communicator 1045 can also be connected to a backend server via the communication network 105, for example, by sending messages via a cellular network (or any other suitable wireless network - for example, the Internet or other data network).

[0072] The memory 1046 may store at least one of data, one or more programs, one or more instructions, or one or more applications. The memory 1046 may include at least one type of storage medium selected from the group consisting of a flash memory type storage medium, a hard disk type storage medium, a multimedia card micro storage medium, a card type memory (e.g., an SD or XD memory), a RAM, a static RAM (SRAM), a ROM, an electrically erasable and programmable ROM (EEPROM), a programmable ROM (PROM), a magnetic memory, a magnetic disk, and an optical disk.

[0073] The processor 1044 may control at least one different component of the mobile communication device 104 and / or may perform operations related to communication or data processing.

[0074] As shown in Figure 2, the hardware wallet 102 includes a communication module 1026, a security unit 1021, and other input and output components (input component 1024, display 1022, speaker 1023). The security unit 1021 includes a hardware wallet application 1021A, a wallet management module 1021B, and a wallet data storage area 1021C. Figure 2 is merely an example. The hardware wallet in this embodiment can also be an active video card with a battery (power module 1025), with the display controlled by a key switch.

[0075] For example, the communication module 1026 is primarily responsible for connecting to the mobile communication device 104, using various communication methods, including Bluetooth, NFC, Wi-Fi, USB, and mobile networks. The wallet management module 1021B resides within the secure unit 1021 and is responsible for managing digital currency payment transactions. Its functions include reading and writing personalized account information, wallet management, wallet transactions, and wallet queries. The wallet data storage area 1021C resides within the secure unit 1021 and stores the wallet SEID, wallet ID, wallet control information, wallet transaction-related information, keys, and certificate information. The wallet ID can be a real wallet account ID or a masked version of the wallet account. The mask ensures the security of wallet data and corresponds one-to-one with the wallet account. Furthermore, the keys and authentication information include symmetric keys, asymmetric keys, and institutional certificates. When the wallet is initialized (i.e., a wallet account is opened), the hardware wallet application 1021A issues the symmetric key and asymmetric key, and the wallet server 100 issues the institutional certificate. The above data is written into the security unit 1021.

[0076] FIG3 shows a schematic diagram of the appearance of an exemplary hardware wallet 102 according to at least one embodiment of the present disclosure.

[0077] As shown in Figure 3, the hardware wallet 102 includes a main body 1021 and a display screen 1023. The main body 1021 may be in the form of a plastic substrate, a housing, or other structures. The display screen 1023 is used to display digital currency transaction information and the balance information of the digital currency hardware wallet, etc., which is not specifically limited in the present embodiment.

[0078] In addition, in some embodiments of the present disclosure, the hardware wallet 102 may further include an input area 1024 for multiple physical keys (such as numeric keys and an on / off key, as shown). This input area 1024 may allow the user to enter the payment password of the hardware wallet, or may allow the user to select a functional mode of the hardware wallet, such as a payment mode or a collection mode. The hardware wallet 102 may further include an audio output component (such as a microphone) or a prompt light (not shown). The embodiments of the present disclosure do not specifically limit the components included in the hardware wallet. In actual applications, the hardware wallet may include more or fewer components than those described above.

[0079] Figure 4 shows a flow chart of a transaction method according to at least one embodiment of the present disclosure, which describes the transaction process of the transaction system shown in Figure 1 .

[0080] As shown in FIG4 , during the transaction, the mobile communication device 104 obtains capability information from the hardware wallet 102 in interaction (step S410 ), and determines whether the hardware wallet 102 has payment receiving capability, display capability, and networking capability based on the capability information (step S420 ).

[0081] For example, the soft wallet application in the payment module 1042 of the mobile communication device 104 selects the hardware wallet application 1025 in the hardware wallet 102 to conduct capability negotiation. The capability information sent by the hardware wallet application 1025 to the soft wallet application may include parameters such as the communication method for data exchange between the two devices, the network status (used to describe the network status of the two devices when performing operations, such as online and offline), human-computer interaction input and output (such as buttons, display screen, QR code display function, prompt light, prompt sound, vibration prompt, peripherals), security capabilities, and payment terminal form (fixed cash register, mobile POS).

[0082] Since the hardware wallet in this embodiment of the disclosure needs to have a payment receiving function, to facilitate human-computer interaction, the hardware wallet 102's human-computer interaction capabilities also need to include a display capability for notifying the user of payment receipt information. Therefore, in this embodiment of the disclosure, the capability information sent by the hardware wallet application 1025 must include at least parameters related to a payment receiving capability identifier, human-computer interaction capability information, and a networking capability identifier.

[0083] In step S430 , in response to the determination that the hardware wallet 102 has the ability to receive and display funds but does not have the ability to connect to the internet, the mobile communication device 104 sends digital currency transaction information to the backend server 106 for transaction processing, wherein the digital currency transaction information is transaction information related to payment to the hardware wallet 102 .

[0084] For example, the soft wallet application in payment module 1042 parses the received capability information to determine whether it includes a payment capability identifier indicating the hardware wallet's ability to receive payments, a display capability ID indicating the hardware wallet has a display screen, and network status parameters. If the corresponding information is present, it indicates that the hardware wallet 102 has the corresponding capabilities. In this disclosed embodiment, this primarily addresses the case where the hardware wallet has display and payment capabilities but lacks network capabilities. Accordingly, the hardware wallet 102 also obtains the capability parameters sent by the mobile communication device 104.

[0085] In addition to the above-mentioned payment collection and display capabilities, parameters such as communication mode parameters and terminal type can also be obtained from each other. Based on the above-mentioned interaction capability parameters, the characteristics of the transaction between the two parties (including the transaction model, etc.) can be determined. In the embodiment of the present disclosure, after the interaction capability information is obtained, the two parties negotiate whether to support single-connection (hardware wallet offline, without Internet access) real-time payment collection transactions. That is, during the transaction process, one party in the transaction is connected to the Internet, and the front-end only ends the transaction after the payment is completed in the background.

[0086] In addition, in other embodiments, if the hardware wallet has networking capabilities in addition to the payment receiving and display capabilities, the hardware wallet can directly obtain the payee information from the payment terminal (such as the mobile communication device 104), generate digital currency transaction information based on the payee information, and send it to the backend to directly conduct the payment transaction. The embodiments of this disclosure mainly describe the situation where the hardware wallet has display and payment capabilities but does not have networking capabilities, so the situation where it has networking capabilities will not be described in detail.

[0087] For example, in an embodiment of the present disclosure, when the capability information includes a payment capability identifier indicating that the hardware wallet has payment receiving capabilities, the mobile communication device 104 sends a command to the hardware wallet 102 to obtain digital currency transaction information. For example, in an embodiment of the present disclosure, digital currency transaction information is protected by encryption and decryption keys and MAC keys. For example, ciphertext information including a MAC value is obtained by encrypting the information using the key on the hardware wallet. Exemplarily, the hardware wallet encrypts the unencrypted transaction information using the encryption key to obtain ciphertext, then calculates the ciphertext using the MAC key to obtain the MAC value. Finally, the ciphertext and MAC value are concatenated to obtain the ciphertext information. The transaction information (also referred to as payment information) may include information such as the payee's hardware wallet identifier, the payer identifier, the transaction amount, a transaction count counter, a capability identifier (displaying capabilities and payment receiving capabilities), and the transaction type. The transaction count counter indicates the remaining number of offline transactions and increments after each transaction to distribute the key and prevent transaction replay attacks. The specific transaction information described above will be described in detail in the corresponding scenarios below and will not be repeated here.

[0088] For example, in an embodiment of the present disclosure, when the capability information includes a payment capability identifier indicating that the hardware wallet has payment receiving capabilities and information indicating that the hardware wallet supports payment addresses, the mobile communication device 104 sends an instruction to the hardware wallet 102 to obtain the payment address, and generates and sends digital currency transaction information based on the payment information obtained from the payment address. The payment information includes at least the payment amount and the payee's hardware wallet identifier. As previously mentioned, in an embodiment of the present disclosure, the payment address is expressed as a payment website. After the hardware wallet 102 returns the payment address to the mobile communication device 104, the mobile communication device 104 displays a payment page, prompting the user to enter the payment amount to make the payment, and generates digital currency transaction information based on the payment information entered by the user. The digital currency transaction information here can also be encrypted ciphertext information. Specifically, the payment information is transmitted to the backend using the public key of the payee's operating institution and decrypted using the private key of the payee's operating institution.

[0089] For example, in the disclosed embodiments, the hardware wallet uses its display capabilities to perform at least one of the following operations: clearing displayed information, updating displayed information to transaction amount information, and updating displayed information to set prompt information (referred to as a first display update operation). For example, the information 102A displayed by the visualization module (e.g., display screen) of the hardware wallet 102 shown in FIG1 is the information displayed during this stage of the payment process: "Payment receiving...Transaction amount: XXXX." This first display update operation prepares the hardware wallet for accurate balance display in subsequent transactions, improving display accuracy compared to related technologies. The hardware wallet can perform the first display update operation simultaneously with, before, or after sending digital currency transaction information or payment addresses. To ensure real-time performance, it is preferably displayed simultaneously with the information being sent. This is not limited in the disclosed embodiments.

[0090] In step S440 , the backend server generates an echo instruction after executing the transaction process according to the digital currency transaction information, and sends the echo instruction to the mobile communication device 104 .

[0091] For example, in the disclosed embodiment, the backend server includes a first server 106 associated with the software wallet of the mobile communication device 104 and a second server 110 associated with the hardware wallet 102. First, the mobile communication device 104 sends digital currency transaction information to the first server 106. The first server 106 determines whether the transaction is an internal transaction based on the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information. Based on the determination result, the first server 106 or the second server 110 performs the transaction processing. Specifically, the first server 106 determines whether the transaction is an internal transaction based on the institution identifier in the software wallet ID information and the hardware wallet ID information. If the transaction is an internal transaction, the local server 106 performs the transaction processing. If the transaction is not an internal transaction, the digital currency transaction information is forwarded to the second server 110 via the interconnection platform 108, and the second server 110 then performs the transaction processing.

[0092] For example, in the disclosed embodiment, the first server 106 performs transaction processing through the following steps: first, it performs MAC value verification and decryption processing on the digital currency transaction information; based on the identity information of the hardware wallet 102 in the decrypted transaction information, it determines whether the hardware wallet 102 has the authority to receive payment; if the hardware wallet 102 has the authority to receive payment, it transfers the amount in the software wallet in the mobile communication device 104 to the digital currency hardware wallet based on the decrypted encrypted information, and generates a transaction result instruction and an echo instruction and sends them to the mobile communication device 104. Specifically, after the first server 106 performs transaction processing based on the digital currency transaction information, it organizes the generation of an echo instruction that at least includes the transaction amount information and balance information, and a transaction result instruction indicating that the transaction is successful.

[0093] For example, in the embodiment of the present disclosure, if it is determined that the transaction processing is performed by the first server 106, the first server 106 verifies the MAC value of the digital currency transaction information. If the verification is successful, the digital currency transaction information is decrypted, and the digital currency hardware wallet is verified to have the authority to receive payment based on the identity information of the decrypted digital currency hardware wallet. If the digital currency hardware wallet has the authority to receive payment, the balance information of the hardware wallet is increased and the balance information of the soft wallet is decreased based on the decrypted transaction information, and a transaction result instruction and an echo instruction are generated and sent to the mobile communication device 104.

[0094] For example, in the disclosed embodiment, the second server 110 performs transaction processing through the following steps: performing MAC value verification and decryption processing on the digital currency transaction information; determining whether the hardware wallet 102 has the authority to receive payment based on the identity information of the hardware wallet 102 in the decrypted transaction information; if the hardware wallet 102 has the authority to receive payment, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and an echo instruction are generated and returned to the first server 106, causing the first server to correspondingly reduce the balance of the software wallet in the mobile communication device and send the transaction result instruction and the echo instruction to the mobile communication device 104. Specifically, after the second server 110 performs transaction processing based on the digital currency transaction information, it organizes the generation of an echo instruction that echoes at least the transaction amount information and the balance information, and a transaction result instruction indicating that the transaction is successful.

[0095] For example, in the embodiment of the present disclosure, if it is determined that the transaction processing is performed by the second server 110, the second server 110 verifies the MAC value of the digital currency transaction information. If the verification is successful, the digital currency transaction information is decrypted, and the digital currency hardware wallet is verified to have the authority to receive payment based on the identity information of the decrypted digital currency hardware wallet. If the digital currency hardware wallet has the authority to receive payment, the balance information of the hardware wallet is increased based on the decrypted transaction information, and a transaction result instruction and an echo instruction are generated and sent to the first server 106; the first server 106 reduces the balance information of the software wallet according to the transaction result instruction and the echo instruction, and sends the transaction result instruction and the echo instruction to the mobile communication device 104.

[0096] It should be noted that the above-mentioned method for generating digital currency transaction information and the information composition mode are only examples, and the embodiments of the present disclosure do not limit this. For example, digital currency transaction information can be in the form of plaintext and ciphertext, where the plaintext can include a combination of the hardware wallet identifier of the payment terminal (an example of identity information) and a counter (an example of data used for key dispersion), and the ciphertext part is the transaction information other than the above-mentioned plaintext, which is protected by the encryption key and the MAC key. In this way, when the background processes such digital currency transaction information, it can first determine whether it has the payment authority based on the hardware wallet identifier of the payment terminal, and then verify whether the MAC of the ciphertext part passes and perform decryption processing.

[0097] In step S450 , the mobile communication device 104 receives and sends the echo instruction to the hardware wallet 102 .

[0098] In step S460, the hardware wallet 102 updates the display of information including the transaction amount and balance using its display capability according to the echo instruction (referred to as a second display update operation). The hardware wallet 102 returns the operation result so that the mobile communication device 104 can prompt the user with the transaction result.

[0099] For example, after receiving the echo command, the hardware wallet 102 calls the visual module interface to control the display screen to display at least the transaction amount and balance information in the echo command, allowing the user to obtain real-time balance changes. For example, the visual module (e.g., display screen) of the hardware wallet 102 in Figure 1 displays information 102B: "Transaction amount received: XXXX, remaining balance: XXXX."

[0100] After a transaction is established, the hardware wallet sends the transaction information or payment address and performs a first display update operation, updating the display content on the visualization module to prompt the user that the hardware wallet is in operation. After the hardware wallet receives the echo instruction, it performs a second display update operation to update the display content on the visualization module. The user receives the updated display content through the second display update operation and can view the transaction results. This double display update ensures that users can clearly perceive changes in the information displayed on the visualization module while using the visual hardware wallet for transactions, improving the experience of using the hardware wallet as a payment terminal. It also helps users determine whether the content displayed on the visualization module is updated, thereby improving the user experience.

[0101] To better understand the embodiments of the present disclosure, the transaction process using a mobile phone terminal and a visual hard wallet as a payment terminal is described below, taking the transaction system of the mobile phone terminal and the visual hard wallet as an example.

[0102] Figure 5 illustrates a flowchart of an exemplary transaction method according to at least one embodiment of the present disclosure. In this embodiment, the mobile communication device is a mobile phone terminal 520, and the hardware wallet is a visual hard wallet 500. This hardware wallet has both the ability to receive and display payments, but does not support a payment address. In other words, only a payment capability indicator is written into the hardware wallet 500 when it is issued. The payee backend 530 is the backend associated with the software wallet within the mobile phone terminal 520, while the payee backend 550 is the backend associated with the hardware wallet 500. Furthermore, the visual hard wallet 500 contains a digital currency coin string.

[0103] As shown in FIG5 , in step S501 , the mobile terminal 520 selects the hardware wallet application of the visual hard wallet 500 and performs capability negotiation therewith.

[0104] Specifically, after the mobile terminal 520 and the visual hard wallet 500 establish a communication connection, the mobile terminal 520 sends an instruction to the visual hard wallet 500 to select the hardware wallet application 1025 of the hard wallet 500, so that the application of the hard wallet 500 is started to negotiate with the interactive capability information.

[0105] In step S502, the mobile terminal 520 analyzes the acquired hardware wallet capability information to determine whether it has display capability and payment capability, and does not have networking capability, and negotiates to support single-connection real-time payment transactions.

[0106] In step S503 , the mobile terminal 520 sends an instruction to obtain digital currency transaction information (“transaction information” in the figure) to the visual hard wallet 500 .

[0107] In step S504, the visual hard wallet 500 clears the visual screen or displays only the current transaction amount or only prompt information during the transaction.

[0108] In step S505, the hardware wallet 500 transmits the transaction information to the mobile terminal 520. The transaction information is protected by encryption and decryption keys and a MAC key. The transaction information includes the wallet identifiers of both parties, the transaction amount, a counter, the transaction type, whether it has display capabilities, and the digital currency token string.

[0109] There is no limitation on the execution order of step S504 and step S505. They may be executed simultaneously, or step S505 may be executed first and then step S504.

[0110] In step S506, the mobile terminal 520 transmits the digital currency transaction information to the payer backend 530 for transaction processing.

[0111] In step S507, the payer's backend 530 performs MAC value verification and decryption on the acquired digital currency transaction information, and identifies whether it is an internal transaction of the institution based on the wallet identification of the payee and payee obtained after decryption. If it is not an internal transaction of the institution, the transaction information is sent to the intercommunication platform 540.

[0112] In step S508 , the transaction information is sent to the payee backend 550 via the intercommunication platform 540 .

[0113] In step S509, the payee's backend 550 verifies the MAC value and decrypted information of the transaction information, and also verifies the legitimacy of the coin string. After the verification is passed, the wallet information is identified according to the wallet identifier in the decrypted information, and it is verified whether the hardware wallet has the authority to receive payment. If so, the balance of the hard wallet is increased according to the decrypted transaction information and an echo instruction is returned. The echo instruction issued contains the new coin string.

[0114] In step S510, the intercommunication platform 540 returns the transaction result and the echo instruction to the payer's backend.

[0115] In step S511, after receiving the successful response and the echo instruction, the payer platform 530 reduces the soft wallet balance and returns the transaction result and the echo instruction to the mobile terminal 520 (S512).

[0116] In step S513 , the mobile terminal 520 sends an echo instruction to the visual hardware wallet 500 .

[0117] In step S514, after receiving the echo instruction, the visual hardware wallet 500 verifies the legitimacy and amount of the coin string therein, saves the coin string after the verification, and synchronously displays the background information such as the transaction amount and balance on the visual screen according to the echo instruction, and returns the operation result to the mobile terminal 520.

[0118] In step S515 , the mobile terminal 520 prompts the payment result.

[0119] Figure 6 illustrates a flowchart of another exemplary transaction method according to at least one embodiment of the present disclosure. In this embodiment, the mobile communication device is a mobile phone terminal 520, and the hardware wallet is a visual hard wallet 500, which has both payment receiving and display capabilities and supports a payment address. In other words, when visual hard wallet 500 is issued, both a payment receiving capability identifier and a payment address are written into it. Furthermore, visual hard wallet 500 does not contain a digital currency coin string.

[0120] In Figure 6, steps that are the same as or similar to those in Figure 5 are denoted by the same reference numerals, and therefore, the same aspects as those in Figure 5 will not be described repeatedly when describing Figure 6. The only differences are steps S602, S603, S605, S609, and S614.

[0121] In step S602, the mobile terminal 520 analyzes whether the acquired hardware wallet capability information has display capability, negotiates support for single-connection real-time payment transactions (the negotiated "transaction model" is real-time payment transactions), and supports payment addresses.

[0122] In step S603 , the mobile terminal 520 sends an instruction to obtain a payment address to the visual hardware wallet 500 .

[0123] In step S605, the visual hardware wallet 500 returns the payment address to the mobile terminal 520. The mobile terminal 520 software wallet displays the payment page using the payment address, prompting the user to enter the payment amount and make the payment. Based on the received payment address and the payment information obtained from it, the mobile terminal 520 generates and sends digital currency transaction information. This transaction information includes the wallet identifiers of both parties, the transaction amount, a counter, the transaction type, and whether display capability is enabled.

[0124] In step S609, the payee backend 550 verifies the MAC value and decrypted information of the transaction information. After the verification is passed, the wallet information is identified according to the wallet identifier in the decrypted information, and it is verified whether the hardware wallet has the permission to receive the payment. If so, the balance of the hardware wallet is increased according to the decrypted transaction information and an echo instruction is returned.

[0125] In step S614 , after receiving the echo instruction, the visual hardware wallet 500 synchronously displays the background information such as the transaction amount and balance on the visual screen according to the echo instruction, and returns the operation result to the mobile terminal 520 .

[0126] It should be noted that the above application scenarios are merely exemplary, to facilitate description of one or more aspects of the present disclosure in specific scenarios, but these aspects are not essential, and various modifications may be made to the application scenarios.

[0127] At least some embodiments of the present disclosure further provide an electronic device. FIG7 shows a schematic diagram of an electronic device 700 according to at least one embodiment of the present disclosure.

[0128] As shown in Figure 7, the electronic device 700 includes one or more processors 710 and a memory 720. The memory 720 includes one or more computer program modules 721. The one or more computer program modules 721 are stored in the memory 720 and are configured to be executed by the processor 710. The one or more computer program modules 721 include instructions for executing the transaction method based on a digital currency hardware wallet and its additional aspects according to at least one embodiment of the present disclosure. When executed by the processor 710, the one or more steps of the transaction method based on a digital currency hardware wallet and its additional aspects according to at least one embodiment of the present disclosure can be performed. The memory 720 and the processor 710 can be interconnected via a bus system and / or other forms of connection mechanisms (not shown). For example, the bus can be a Peripheral Component Interconnect (PCI) bus or an Extended Industrial Standard Architecture (EISA) bus. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0129] Exemplarily, the processor 710 may be a central processing unit (CPU), a digital signal processor (DSP), or other processing units with data processing capabilities and / or program execution capabilities, such as a field programmable gate array (FPGA). The processor 710 may be a general-purpose processor or a dedicated processor, and may control other components in the electronic device 700 to perform desired functions.

[0130] Exemplarily, the memory 720 may include any combination of one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. Volatile memory may include, for example, random access memory (RAM) and / or cache memory. Non-volatile memory may include, for example, read-only memory (ROM), a hard disk, an erasable programmable read-only memory (EPROM), a portable compact disk read-only memory (CD-ROM), a USB memory, a flash memory, etc. One or more computer program modules 721 may be stored on the computer-readable storage medium, and the processor 710 may execute the one or more computer program modules 721 to implement various functions of the electronic device 700. A computer program module includes multiple computer-executable instructions. The computer-readable storage medium may also store various applications and various data, as well as various data used and / or generated by the applications.

[0131] For example, the electronic device 700 may further include input devices such as a touch screen, a touchpad, a keyboard, a mouse, a camera, a microphone, an accelerometer, a gyroscope, etc.; output devices such as a liquid crystal display, a speaker, a vibrator, etc.; storage devices such as a magnetic tape, a hard disk (HDD or SDD), etc.; and communication devices such as a network interface card such as a LAN card, a modem, etc. The communication device may allow the electronic device 700 to communicate with other devices wirelessly or by wire to exchange data, and perform communication processing via a network such as the Internet. A drive is connected to the I / O interface as needed. A removable storage medium, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive as needed so that a computer program read therefrom can be installed into the storage device as needed.

[0132] For example, the electronic device 700 may further include a peripheral interface (not shown in the figure). The peripheral interface may be various types of interfaces, such as a USB interface, a lightning interface, etc. The communication device may communicate with a network and other devices through wireless communication, such as the Internet, an intranet and / or a wireless network such as a cellular telephone network, a wireless local area network (LAN), and / or a metropolitan area network (MAN). The wireless communication may use any of a variety of communication standards, protocols, and technologies, including but not limited to Global System for Mobile Communications (GSM), Enhanced Data GSM Environment (EDGE), Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Wi-Fi (e.g., based on IEEE 802.11a, IEEE 802.11b, IEEE 802.11g, and / or IEEE 802.11n standards), Voice over Internet Protocol (VoIP), Wi-MAX, protocols for email, instant messaging, and / or short message service (SMS), or any other suitable communication protocol.

[0133] The electronic device 700 may be, for example, a system on a chip (SOC) or a device including the SOC, and may be any device such as a mobile phone, tablet computer, laptop computer, e-book, game console, television, digital photo frame, navigation system, home appliance, communication base station, industrial controller, server, or the like. It may also be any combination of data processing devices and hardware, and the embodiments of the present disclosure are not limited thereto. The specific functions and technical effects of the electronic device 700 may be referred to the above description of the transaction method based on the digital currency hardware wallet and its additional aspects according to at least one embodiment of the present disclosure, and will not be repeated here.

[0134] FIG8 shows a schematic diagram of a computer-readable medium 800 according to at least one embodiment of the present disclosure.

[0135] As shown in FIG8 , a computer readable medium 800 stores computer instructions 810 , which, when executed by a processor, perform one or more steps of the transaction method based on a digital currency hardware wallet and its additional aspects as described above.

[0136] Exemplarily, when the program code is read by a computer, the computer may execute the program code stored in the computer storage medium to implement, for example, one or more steps of the transaction method based on a digital currency hardware wallet and additional aspects thereof according to at least one embodiment of the present disclosure.

[0137] Exemplarily, the computer-readable medium may include a memory card of a smartphone, a storage component of a tablet computer, a hard disk of a personal computer, a random access memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM), a portable compact disk read-only memory (CD-ROM), flash memory, and other computer-readable media or any combination thereof.

[0138] At least some of the embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments. The same or similar parts between the embodiments can be referenced to each other.

[0139] It should be noted that, in this article, relational terms such as first, second, etc. are only used 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. The terms "comprise", "include" or any other variants thereof are intended to cover non-exclusive inclusion, so that a process, method, article or device that includes a series of elements includes not only those elements, but also further includes other elements not explicitly listed, or further includes elements that are inherent to such process, method, article or device. In the absence of further restrictions, the elements defined by the sentence "comprise..." do not exclude the presence of other identical elements in the process, method, article or device that includes the elements.

[0140] Regarding this disclosure, the following points need to be explained:

[0141] (1) The drawings of the embodiments of the present disclosure only relate to the structures related to the embodiments of the present disclosure. Other structures may refer to conventional designs.

[0142] (2) In the absence of conflict, the embodiments of the present disclosure and the features therein may be combined with each other to form new embodiments.

[0143] The foregoing description is merely an exemplary embodiment of the present disclosure and is not intended to limit the scope of protection of the present disclosure. The scope of protection of the present disclosure is determined by the appended claims. Industrial Applicability

[0144] The solution provided by the disclosed embodiments can be applied to the field of digital currency payment. In the embodiments of the present application, the interaction between the mobile communication device and the digital currency hardware wallet is used to realize the capability information judgment and transaction processing of the digital currency hardware wallet, which can prevent fraud in the digital currency payment process to a certain extent. The update display function of the digital currency hardware wallet can also allow users to timely understand the transaction amount and balance information, thereby improving the convenience and security of digital currency payment, and also facilitating the user's digital currency management and transaction technical effects. It can realize a new transaction mode when the digital currency hardware wallet is used as the payment terminal, and can save more device costs and expenses compared with other payment terminals, and has better security. It has a significant promoting effect on improving payment convenience, security and user experience, and can therefore be widely used in actual payment processing.

Claims

1. A transaction method based on a digital currency hardware wallet, the method comprising: The mobile communication device obtains capability information from the digital currency hardware wallet in interaction, and determines whether the digital currency hardware wallet has payment receiving capability, display capability, and networking capability based on the capability information; In response to a determination that the digital currency hardware wallet has payment receiving and display capabilities but does not have networking capabilities, the mobile communication device transmits digital currency transaction information to a backend server for transaction processing, the digital currency transaction information being transaction information related to payment to the digital currency hardware wallet; In response to an echo instruction generated by the backend server after executing transaction processing according to the digital currency transaction information, the mobile communication device receives and sends the echo instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays information including the transaction amount and balance through its display capability according to the echo instruction.

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

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

4. The transaction method according to claim 2 or 3, wherein: The digital currency hardware wallet uses its display capability to perform at least one of clearing displayed information, updating displayed information to transaction amount information, and updating displayed information to set prompt information.

5. The transaction method according to claim 3, wherein: The payment address is a payment website that can be linked to the payment page via the Internet.

6. The transaction method according to any one of claims 1 to 5, wherein: The digital currency transaction information is encrypted ciphertext information containing a MAC value.

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

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

9. The transaction method according to claim 7, wherein: The second server performs transaction processing through the following steps: Performing MAC value verification and decryption on the digital currency transaction information; Determining whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information; If the digital currency hardware wallet has the permission to receive payments, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and an echo instruction are generated and returned to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and echo instruction to the mobile communication device.

10. A digital currency hardware wallet-based transaction system, comprising: Digital currency hardware wallet, mobile communication device and backend server, among which, The digital currency hardware wallet is configured to have payment receiving and display capabilities, but does not have networking capabilities, and updates and displays information including transaction amounts and balances through its display capabilities according to the echo instruction; The mobile communication device is configured to obtain capability information from the digital currency hardware wallet being interacted with, determine whether the digital currency hardware wallet has payment receiving capability, display capability, and networking capability based on the capability information; in response to a determination that the digital currency hardware wallet has payment receiving capability and display capability, or does not have networking capability, send digital currency transaction information to the backend server for transaction processing; and in response to an echo instruction sent by the backend server, receive and forward to the digital currency hardware wallet, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; The backend server is configured to perform transaction processing according to the digital currency transaction information, generate an echo instruction and send it to the mobile communication device.

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

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

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

14. The transaction system according to claim 12, wherein: The payment address is a payment website that can be linked to the payment page via the Internet.

15. The trading system according to any one of claims 10 to 14, wherein: The digital currency transaction information is encrypted ciphertext information containing a MAC value.

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

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

18. The transaction system according to claim 16, wherein: The second server is configured to perform transaction processing through the following steps: Performing MAC value verification and decryption on the digital currency transaction information; Determining whether the digital currency hardware wallet has the authority to receive payments based on the identity information of the digital currency hardware wallet in the decrypted transaction information; If the digital currency hardware wallet has the permission to receive payments, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and an echo instruction are generated and returned to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and echo instruction to the mobile communication device.

19. An electronic device, wherein: The electronic device comprises: one or more processors; a storage device for storing one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 9.

20. A computer readable medium having a computer program stored thereon, wherein: When the program is executed by a processor, the method according to any one of claims 1 to 9 is implemented.

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