Transaction method and system based on digital currency hardware wallet

Abstract

Embodiments of the present invention provide a transaction method and transaction system based on a digital currency hardware wallet. The method comprises: a mobile communication terminal initiates a digital currency payment collection transaction, sends a feature negotiation instruction to a hardware wallet, and receives a feature negotiation result and hardware wallet capability information returned by the hardware wallet; in a case where the feature negotiation result is successful negotiation and the hardware wallet does not have network connectivity, the mobile communication terminal acquires digital currency transaction information from the hardware wallet and sends the digital currency transaction information to a digital currency transaction backend for transaction processing; and the mobile communication terminal receives a transaction processing result returned by the digital currency transaction backend, the transaction processing result being generated by performing transaction processing on the basis of the transaction information, wherein the mobile communication terminal is pre-registered with a terminal management backend to be configured as a payment collection terminal capable of performing a digital currency transaction with the hardware wallet, and the digital currency transaction backend, upon determining that the payment collection terminal is the mobile communication terminal on the basis of a payment collection terminal type in the transaction information, verifies the legitimacy of the payment collection terminal with the terminal management backend.

Description

Transaction method and transaction system based on digital currency hard wallet TECHNICAL FIELD

[0001] Embodiments of the present disclosure relate to a transaction method and a transaction system based on a digital currency hard wallet. BACKGROUND

[0002] At present, the devices allowing users to perform a collection transaction on a digital currency hard wallet are mostly commercial special devices, such as fixed collection machines, point of sales (POS) terminals, and the like. However, in some scenarios, when a merchant does not have the above-mentioned collection special device, the merchant cannot perform a collection transaction through a digital currency hard wallet, thereby limiting the consumption mode of the user. However, many existing mobile communication terminal devices, such as mobile phone terminals, do not have a collection function for a digital currency hard wallet. Considering the wide use of mobile communication terminals, how to change the mobile communication terminals into a collection terminal that can transact with a digital currency hard wallet becomes a technical problem to be solved. SUMMARY

[0003] At least one embodiment of the present disclosure provides a transaction method based on a digital currency hard wallet, the method comprising: initiating, by a mobile communication terminal, a digital currency collection transaction, sending a feature negotiation instruction to a hard wallet in interaction, receiving a feature negotiation result and hard wallet capability information returned by the hard wallet in response to the feature negotiation instruction; in the case that the feature negotiation result is negotiation success and it is judged that the hard wallet does not have networking capability, the mobile communication terminal sends an instruction to the hard wallet to acquire digital currency transaction information; in response to the digital currency transaction information sent by the hard wallet, the mobile communication terminal initiates a transaction processing instruction to a digital currency transaction background and receives a transaction processing result returned from the digital currency transaction background; wherein the mobile communication terminal is pre-registered to a terminal management background as a collection terminal capable of transacting with the hard wallet, and the digital currency transaction background verifies the legality of the collection terminal to the terminal management background in the case that the collection terminal is a mobile communication terminal according to the collection terminal type in the transaction information.

[0004] For example, according to the transaction method of at least one embodiment of the present disclosure, the mobile communication terminal judges whether the hard wallet has display capability according to the hard wallet capability information; in the case that the hard wallet has display capability, the digital currency transaction information sent by the mobile communication terminal to the digital currency transaction background further includes hard wallet display capability information; the mobile communication terminal sends an echo instruction generated by the digital currency transaction background in response to the hard wallet display capability information in the transaction information to the hard wallet, so that the hard wallet updates and displays information including a transaction amount and a balance through its display capability according to the echo instruction.

[0005] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the mobile communication terminal is a mobile phone, a tablet computer, a wearable device, or a smart home device.

[0006] The payment terminal is pre-configured to be able to conduct digital currency transactions with the hard wallet by the following steps: sending a payment terminal registration request to the terminal management background to be marked as a terminal with payment capability; receiving and installing the payment module for receiving digital currency from the hard wallet issued by the terminal management background.

[0007] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the payment module is an SDK plug-in or an application program with all functions of the SDK plug-in.

[0008] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the hard wallet, before receiving the echo instruction, performs at least one of the following operations through its display capability: clearing the displayed information, updating the display information to transaction amount information, and updating the display information to set prompt information.

[0009] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the mobile communication terminal further applies for a transaction random factor to the digital currency transaction background, wherein the transaction random factor corresponds to the terminal identity information of the mobile communication terminal and is stored in the digital currency transaction background; the digital currency transaction information sent by the mobile communication terminal to the digital currency transaction background includes the transaction random factor, so that the digital currency transaction background verifies the identity legitimacy of the mobile communication terminal according to the transaction random factor when performing transaction processing.

[0010] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the digital currency transaction information further includes a transaction counter value and a MAC value; the digital currency transaction background judges whether the transaction counter value meets the condition and verifies whether the MAC value is valid.

[0011] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the mobile communication terminal further sends the terminal identity information to the digital currency transaction background, so that the digital currency transaction background judges whether the terminal identity information sent by the mobile communication terminal and the payment party identity information in the digital currency transaction information are consistent.

[0012] For example, a transaction method according to at least one embodiment of the present disclosure, wherein the digital currency transaction background judges whether the transaction amount in the digital currency transaction information exceeds the account password-free amount.

[0013] At least one embodiment of the present disclosure provides a transaction system based on a digital currency hard wallet, the system comprising: a mobile communication terminal configured to: pre-register with a terminal management background to configure the terminal as a payment terminal capable of carrying out a digital currency transaction with a hard wallet; initiate a digital currency payment transaction, send a feature negotiation instruction to the hard wallet in interaction, receive a feature negotiation result returned by the hard wallet in response to the feature negotiation instruction and hard wallet capability information; in the case that the feature negotiation result is negotiation success and it is judged that the hard wallet does not have networking capability, send an instruction to the hard wallet to obtain digital currency transaction information; obtain the digital currency transaction information from the hard wallet and send it to a digital currency transaction background; in response to the digital currency transaction information sent by the hard wallet, initiate a transaction processing instruction to the digital currency transaction background and receive a transaction processing result returned from the digital currency transaction background; the digital currency transaction background is configured to, in the case that it is judged according to the payment terminal type in the transaction information that the payment terminal is a mobile communication terminal, verify the legality of the payment terminal with the terminal management background.

[0014] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the mobile communication terminal is further configured to: judge whether the hard wallet has display capability according to the hard wallet capability information; in the case that it is judged that the hard wallet has display capability, the digital currency transaction information sent to the digital currency transaction background further comprises hard wallet display capability information; send a echo instruction generated by the digital currency transaction background to the hard wallet, the hard wallet is configured to update and display information including a transaction amount and a balance through its display capability according to the echo instruction; the digital currency transaction background is configured to generate an echo instruction in response to the hard wallet display capability information in the transaction information.

[0015] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the mobile communication terminal is configured to send a payment terminal registration request to the terminal management background to be marked as a terminal having payment capability; receive and install a payment module capable of carrying out digital currency payment to the hard wallet issued by the terminal management background.

[0016] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the payment module is an SDK plug-in or an application program having all functions of the SDK plug-in.

[0017] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the hard wallet is configured to, before receiving the echo instruction, perform at least one of the following operations through its display capability: clear the displayed information, update the display information to transaction amount information, and update the display information to set prompt information.

[0018] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the mobile communication terminal is configured to apply for a transaction random factor to the digital currency transaction background, the transaction random factor corresponds to terminal identity information of the mobile communication terminal, and is stored in the digital currency transaction background in association; the digital currency transaction background is configured to verify the identity legitimacy of the mobile communication terminal according to the transaction random factor when performing transaction processing.

[0019] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the digital currency transaction information further comprises a transaction counter value and a MAC value; the digital currency transaction background is configured to judge whether the transaction counter value meets the condition and verify whether the MAC value is valid.

[0020] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the mobile communication terminal is configured to send terminal identity information to the digital currency transaction background; the digital currency transaction background is configured to judge whether the terminal identity information sent by the mobile communication terminal is consistent with the payee identity information in the digital currency transaction information.

[0021] For example, the transaction system according to at least one embodiment of the present disclosure, wherein the digital currency transaction background is configured to judge whether the transaction amount in the digital currency transaction information exceeds the account password-free amount.

[0022] At least one embodiment of the present disclosure provides an electronic device, comprising: one or more processors; a memory configured to store one or more programs, when the one or more programs are executed by the one or more processors, the one or more processors implement the transaction method according to at least one embodiment of the present disclosure.

[0023] At least one embodiment of the present disclosure provides a computer readable medium, which stores a computer program, wherein the program is executed by one or more processors to implement the transaction method according to at least one embodiment of the present disclosure.

[0024] The scheme of the present disclosure can realize that the existing mobile communication terminal device can be changed into a payee terminal that can trade with a digital currency hard wallet, provide a new type of transaction mode, and compared with the existing special payee terminal, can save more device cost and expense, and has better security. BRIEF DESCRIPTION OF DRAWINGS

[0025] The accompanying drawings are used to better understand the present disclosure, and do not constitute undue limitations on the present disclosure. Among them:

[0026] FIG. 1 shows a block diagram of a transaction system based on a digital currency hard wallet according to at least one embodiment of the present disclosure;

[0027] FIG. 2 shows a block diagram of an exemplary mobile communication terminal and a digital currency hardware wallet according to at least one embodiment of the present disclosure;

[0028] FIG. 3 shows a schematic diagram of an exemplary digital currency hardware wallet according to at least one embodiment of the present disclosure;

[0029] FIG. 4 shows a flowchart of a transaction method based on a digital currency hardware wallet according to at least one embodiment of the present disclosure;

[0030] FIG. 5 shows a flowchart of an exemplary transaction method according to at least one embodiment of the present disclosure;

[0031] FIG. 6 shows a schematic block diagram of an electronic device according to at least one embodiment of the present disclosure;

[0032] FIG. 7 shows a schematic diagram of a computer-readable medium according to at least one embodiment of the present disclosure. DETAILED DESCRIPTION

[0033] For the purpose of making the objects, technical solutions and advantages of the embodiments of the present disclosure clearer, the technical solutions of the embodiments of the present disclosure will be described clearly and completely below with reference to the drawings of the embodiments of the present disclosure. Obviously, the described embodiments are only a part of the embodiments of the present disclosure, rather than all the embodiments of the present disclosure. Based on the described embodiments of the present disclosure, all other embodiments obtained by those of ordinary skill in the art without creative effort belong to the scope of protection of the present disclosure.

[0034] Unless otherwise defined, technical terms or scientific terms used herein should be understood as having the same meaning as commonly understood by one of ordinary skill in the art to which this disclosure belongs. Unless otherwise defined, the technical terms and scientific terms used in the present disclosure are not limited to the generally accepted meanings of the terms in the art. The terms "first", "second" and similar terms are not intended to denote any order, quantity, or importance, but are used to distinguish one element from another. Similarly, the terms "include" or "contain" and the like are intended to mean that the elements or objects before the term encompass the elements or objects listed after the term and their equivalents, without excluding other elements or objects. The terms "connect" or "connected" and the like are not limited to physical or mechanical connections, but can include electrical connections, whether direct or indirect. The terms "up", "down", "left", "right", and the like are only used to indicate relative positional relationships, and when the absolute positions of the described objects are changed, the relative positional relationships may also be changed accordingly.

[0035] Note that the examples to be introduced next are only specific examples, and are not intended to limit the embodiments of the present disclosure to the specific shapes, hardware, connection relationships, operations, values, conditions, data, sequences, and the like shown and described. Those skilled in the art can use the concept of the present disclosure to construct more embodiments not mentioned in the present specification by reading the present specification.

[0036] The terms used in the present disclosure are those general terms currently widely used in the art in consideration of the functions of the present disclosure, but the terms can vary according to the intention of those of ordinary skill in the art, precedents, or new technology in the art. Also, specific terms can be selected by the applicant, and in this case, the detailed meaning thereof will be described in the detailed description of the present disclosure. Therefore, the terms used in the specification should be understood not simply as the names, but based on the meaning of the terms and the overall description of the present disclosure.

[0037] Flowcharts are used in the present disclosure to illustrate operations performed by a system according to embodiments of the present disclosure. It should be understood that the foregoing or following operations are not necessarily performed in sequence. Rather, various steps can be processed in reverse order or at the same time, as necessary. Also, other operations can be added to these processes, or one or more steps of the operations can be removed from these processes.

[0038] First, the abbreviations and related terms involved in the present disclosure are defined and explained.

[0039] Digital currency wallet: in form, it can be a soft wallet and a hard wallet, etc. Among them, the soft wallet refers to a wallet service provided by a smart application supporting digital currency, which can be understood as a soft wallet in the form of an application (App). For example, the digital wallet of each operating agency (such as a commercial bank) in the digital currency App, the digital wallet in the App of each operating agency, etc. The hard wallet refers to a physical medium for storing digital currency opened through a counter or an electronic channel, which is a digital currency carrier with a hardware security unit medium, and also has the basic functions of cashing out, cashing back, storing, withdrawing, consuming, transferring, and querying. For example, a mobile phone with a secure element (SE), an NFC-SIM card, an IC card, and a wearable device, etc.

[0040] Hard wallet application: supporting basic functions such as hard wallet opening / cancellation, online / offline payment, balance inquiry, etc. It has a secure authentication when performing financial operations such as transfer / consumption, and also has an offline secure authentication, providing services such as modifying the authentication method and resetting the password for the user.

[0041] Interconnection platform: a platform supporting the switching clearing and message exchange of digital currency / electronic payment between the central bank and each operating agency. It realizes the interconnection between the central bank and each operating agency.

[0042] Capability information: For example, it can include the networking status of both parties of the transaction (used to describe the networking status of both parties' devices when performing operations, such as online and offline), human-computer interaction input and output (used to describe whether both parties' devices have the interaction capability of input and output between humans and computers, such as keys, display screens, two-dimensional code display functions, prompt lights, prompt sounds, vibration prompts, peripherals), and the type of collection terminal (fixed collection terminal, mobile phone POS), and other capability parameters.

[0043] Feature negotiation: Before performing a digital currency transaction, both parties of the transaction interact with each other's capability parameters to negotiate features that both parties support, such as transaction models supported by both parties.

[0044] Mobile communication terminal: Generally refers to standard products or devices that have been manufactured and are ready for commercial use. These devices are pre-designed, tested, and manufactured to meet a wide range of commercial needs. Unlike custom devices, mobile communication terminals are usually mass-produced and can be easily purchased from suppliers or manufacturers. The application field of mobile communication terminals is very wide, including devices related to communication technology. Specifically, it includes any electronic device that a user can conveniently carry or operate, which also provides remote communication capabilities with a network. Mobile communication terminals can communicate using mobile phone (wireless) networks, wireless data networks (such as 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 a network such as the Internet or a private network. Examples of mobile communication terminals include mobile phones (also known as cell phone terminals), tablet computers, netbooks, laptops, wearable devices (such as watches), etc. Mobile communication terminals can include any suitable hardware and software for performing such functions, and can also include multiple devices or components.

[0045] It should be noted that in the technical solutions of the present disclosure, the collection, collection, updating, analysis, processing, use, transmission, storage, etc. of user personal information involved in the technical solutions comply with relevant laws and regulations, are used for legal purposes, and do not violate public order and good customs. Necessary measures are taken to prevent illegal access to user personal information data, and the security of user personal information, network security and national security are maintained.

[0046] In related technologies, digital currency hard wallets generally perform digital currency transactions as payers and dedicated collection terminal devices. In some scenarios, purchasing a dedicated collection terminal device increases the transaction cost of merchants. If a solution can be provided to use existing mobile communication terminals as collection terminals to perform transactions with digital currency hard wallets, it will reduce the transaction cost of merchants to some extent, and also expand the transaction volume and transaction range of digital currency transactions, but the related technology cannot currently provide such a solution.

[0047] To solve the above problems, at least one embodiment of the present disclosure provides a transaction method and related system, proposes a solution that can use an existing mobile communication terminal, such as a mobile phone terminal, as a payee for digital currency transactions, and provides a new transaction mode, thereby reducing the transaction costs of merchants.

[0048] FIG. 1 shows a block diagram of a transaction system 100 based on a digital currency hard wallet (hereinafter referred to as a hard wallet) according to at least one embodiment of the present disclosure.

[0049] As shown in FIG. 1, the transaction system 100 includes a hard wallet 120, a mobile communication terminal 130, a digital currency transaction background 150 (which can be referred to as a transaction background, and as an example in the figure, can include a first server 106 and a second server 110 and an interconnection platform 108).

[0050] In embodiments of the present disclosure, the hard wallet 120 can be an electronic device including an NFC card chip. For example, the hard wallet 120 can be a portable terminal capable of supporting one or more NFC functions (NFC payment functions), such as the card-type hard wallet shown in FIG. 3. Generally, the hard wallet 120 can use NFC to perform payment or communication. In the case of using NFC to perform payment or communication, a built-in digital currency application, such as a hard wallet application program, can be driven and used.

[0051] For example, the mobile communication terminal 130 can communicate with the hard wallet 120 in a non-contact manner through NFC. By using NFC, the mobile communication terminal 130 can perform the following functions with the hard wallet 120: non-contact mobile payment, security authentication, and data exchange. Hereinafter, the content of the embodiments of the present disclosure will be described using a mobile communication terminal, such as a mobile phone terminal, as an example of the mobile communication terminal 130, however, the embodiments of the present disclosure are not limited thereto.

[0052] For example, messages between the mobile communication terminal 130 and the digital currency transaction background 150 can be sent through a communication network using a secure communication protocol, such as but not limited to: File Transfer Protocol (FTP), Hypertext Transfer Protocol (HTTP), Hypertext Transfer Protocol Secure (HTTPS), and the like. The communication network can include any one and / or 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, and the like.

[0053] In the embodiments of the present disclosure, the digital currency transaction background 150 is a background system supporting the function of digital currency payment, which can include a pay / receive operation agency background server and an interconnection platform, and support intra-agency and cross-agency digital currency transactions. The digital currency transaction background 150 can be conventional in terms of hardware, but can be controlled by software to facilitate its operation as described below. For example, the digital currency transaction background 150 can be composed of server computer hardware, which will not be described in detail.

[0054] As shown in FIG. 1, in most cases, the digital currency transaction background 150 includes a first server 106 and a second server 110, the first server 106 being the operation agency system or server corresponding to the payee (such as the hard wallet 120), and the second server 110 being the operation agency system or server corresponding to the payee (such as the mobile communication terminal 130), which can both process intra-agency digital currency transactions and generate echo instructions in response to the display capability information.

[0055] In order to facilitate information interconnection of multiple operation agencies, in the embodiments of the present disclosure, the background server further includes an interconnection system or server (such as the interconnection platform 108 in FIG. 1) corresponding to the systems or servers of each operation agency.

[0056] For example, in the embodiments of the present disclosure, when the payee and the payee are the same operation agency, the intra-agency transaction is performed, and when the payee and the payee are not the same operation agency, the transaction request is sent through the interconnection platform, and the cross-agency transaction is performed.

[0057] For example, in some transaction scenarios, the payee and the payee belong to the same digital currency operation agency, and then the digital currency transaction is performed in the server of the same digital currency operation agency, and the server or system of the digital currency operation agency in the transaction performs the transfer of the digital currency.

[0058] For example, in other transaction scenarios, if the payee and the payer 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 interconnection server or system. For example, after the mobile communication terminal 130 in the example sends the transaction information to the server or system (e.g., the first server 106) of the payee operating institution, the payee operating institution is determined according to the payer identification, and if the payee operating institution is not the same operating institution as the payer operating institution, the transaction request is sent to the payer operating institution through the interconnection system or server. The server or system (e.g., the second server 110) of the payee operating institution increases the digital currency corresponding to the transaction amount in the payee wallet account, and at the same time, the payer operating institution deducts the digital currency corresponding to the transaction amount from the payee wallet account.

[0059] In some embodiments of the present disclosure, the payer identification can be associated with a wallet account, and when the digital currency is deducted, it can be deducted from the wallet account, in other words, the payer operating institution identifies the wallet account through the associated identification of the payer wallet to deduct the money.

[0060] In addition to the above, before the digital currency transaction is executed, the issuer 101 is also involved. When issuing some hard wallets, the issuer 101 should write user information, capability identification, and supportable application scenarios, etc. in the hard wallets according to the scene, so that the hard wallets have personalized configuration.

[0061] In addition, as shown in FIG. 1, the system also includes a terminal management background 140, which is responsible for managing the mobile communication terminal 130, including checking and recording the registration information (e.g., user name, ID number, phone number, SMS verification code, terminal unique identification number, use location information, etc.) uploaded by each mobile terminal for registration as a payee terminal, and also including the management of user data, such as the management of certificates, keys, etc. The terminal management background 140 can be conventional in hardware, but can be controlled by software to facilitate its operation as described later. For example, the background 140 can be composed of server computer hardware, which will not be described in detail.

[0062] FIG. 2 shows a block diagram of an exemplary mobile communication terminal 130 and a digital currency hard wallet 120 according to at least one embodiment of the present disclosure.

[0063] In one example, the hardware aspect of the mobile communication terminal 130 can be a typical smartphone, and most of its software aspect can also be possessed by a smartphone, except that the terminal 130 completes digital currency transactions by registering with the terminal management background 140 and downloading the corresponding plug-in to allow it to interact with, for example, the digital currency transaction background 150 and the hard wallet 120. In short, the mobile communication terminal 130 can participate in the operation of the hard wallet transaction as a payee terminal.

[0064] As shown in FIG. 2, the mobile communication terminal 130 can include a payee module 1301, an application APP 1302, a processor 1303, a memory 1307, and a communicator 1305. Of course, the mobile communication terminal 130 can further include other components.

[0065] For example, the processor 1303 can be constituted by one or more conventional processors. The processor 1303 operates to execute program instructions in order to control the mobile communication terminal 130 to provide the desired functions, causing the terminal 130 to perform the operations described later.

[0066] For example, in the embodiments of the present disclosure, the payee module 1301 has a payee function and can perform a digital currency payee transaction with the hard wallet 120. For example, the payee module 1301 can be formed by an SDK plug-in downloaded from the terminal management background 140 or an application program having all the functions of the SDK plug-in, and the SDK plug-in provides an API interface for a hard wallet transaction and can automatically complete the interaction with the hard wallet using Application Protocol Data Unit (APDU) instructions. The payee module 1301 can perform operations such as selecting a hard wallet application for capability negotiation, identifying the capabilities possessed by the hard wallet according to hard wallet capability information, applying for a transaction random factor to an external device (such as a terminal management background), sending an instruction to an external device (such as a hard wallet) to obtain digital currency transaction information, sending digital currency transaction information to an external device (such as a background server), receiving payment completion information from an external device (such as a background server) and causing the mobile communication terminal 130 to display the received payment completion information, etc. The payment completion information can include receipt information including, for example, the name of the goods related to the digital currency transaction, the price, the quantity, the name of the merchant, or the order number.

[0067] For example, in one example, the SDK plug-in can be downloaded into the system application of the mobile communication terminal 130 as the payee module 1301, and the authorized application APP 1302 can call it. The application APP 1302 can be a digital currency application (or wallet APP, payment APP), an operating system application, or other applications, which are not limited here.

[0068] For example, the communicator 1305 can communicate with other electronic devices (e.g., the hardware wallet 120, the terminal management server 140, and the digital currency transaction server 150).

[0069] According to an embodiment of the disclosure, the communicator 1305 is configured to wirelessly communicate with the hardware wallet 120. Specifically, the communication connection method can include a short-range wireless communication connection for forming a Device-To-Device (D2D) channel between two devices. Here, the short-range wireless communication connection can include a communication connection through a short-range wireless communication network according to 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 1305 of the embodiment of the disclosure includes an NFC card chip, and transmits information through an NFC wireless communication method.

[0070] In addition, the communicator 1305 can also be connected to the terminal management server 140 and the digital currency transaction server 150 through a communication network, for example, sending messages through a cellular network (or any other suitable wireless network, such as the Internet or other data network).

[0071] The memory 1307 can store at least one of data, one or more programs, one or more instructions, or one or more applications. The memory 1307 can include at least one type of storage medium from among a flash memory type storage medium, a hard disk type storage medium, a multimedia card micro type storage medium, a card type memory (e.g., an SD or XD memory), a RAM, a static RAM (SRAM), a ROM, an electrically erasable programmable ROM (EEPROM), a programmable ROM (PROM), a magnetic storage medium, a magnetic disk, and an optical disk.

[0072] Next, the composition of the hardware wallet 120 will be described with reference to FIG. 2.

[0073] As shown in FIG. 2, the hardware wallet 120 includes a communication module 1026, a security unit 1021, and other input / output elements (an input element 1024, a display screen 1022, and a speaker 1023), wherein the security unit 1021 includes a hardware wallet application 1021A and a wallet data storage area 1021B. The example shown in FIG. 2 is only one example, and the hardware wallet of the embodiment of the disclosure can also be an active visual card with a battery (a power module 1025), and the display screen is controlled by a key switch. In other embodiments, the hardware wallet 120 can be non-visual, i.e., without display capability, and can also complete a digital currency transaction with the mobile communication terminal 130.

[0074] For example, the communication module 1026 is mainly responsible for connecting with the mobile communication terminal 130, and the communication method it follows can be Bluetooth, near field NFC radio frequency, WIFI, USB, mobile network, etc. The hard wallet application 1021A exists in the secure unit 1021, and the hard wallet application 1021A is responsible for the management of digital currency payment behavior, and the functions it has include: reading and writing of account personalized information, wallet management, wallet transaction, and wallet query functions. The wallet data storage area 1021B exists in the secure unit 1021, and the wallet data storage area 1021B saves: wallet SEID, wallet ID, wallet control information, wallet transaction related information, key and certificate information. Among them, the wallet ID can be a real wallet account ID or an associated code of the wallet account. The associated code is to ensure the safety of the wallet data, and the associated code corresponds to the wallet account one by one. In addition, the key and authentication information are symmetric key, asymmetric key, and agency certificate, and when the wallet is initialized (i.e., the wallet is opened), the above data is written into the secure unit 1021.

[0075] FIG. 3 shows a schematic diagram of the appearance of an exemplary digital currency hard wallet 120 according to at least one embodiment of the present disclosure.

[0076] As shown in FIG. 3, the hard wallet 120 includes a main body 121 and a display screen 123. Among them, the main body 121 can be in the form of a plastic substrate, a shell or other structures. The display screen 123 is used to display digital currency transaction information and balance information of the digital currency hard wallet, etc., which is not specifically limited in the embodiments of the present disclosure.

[0077] In addition, in some embodiments of the present disclosure, the hard wallet 120 can also include an input area 125 of a plurality of physical keys (such as number keys, on-off keys, etc.), which can be used by the user to input the payment password of the hard wallet, and can also be used by the user to select the function mode of the hard wallet. For example, the function mode can include a payment mode, a collection mode, etc. The hard wallet 120 can also include an audio output component (for example, a microphone) or a prompt light (not shown) and the like, and the embodiments of the present disclosure do not limit the components contained in the hard wallet in detail. In actual application, the hard wallet can include more or less components than those described above.

[0078] Some contents of the visual card form hard wallet are introduced below.

[0079] (1) Basic information display of the visual card: the balance, offline payment code, transaction amount, transaction time can be displayed on the visual screen, and multiple languages can be supported. For example, if the user needs to know the wallet balance, the secondary screen can be switched by short pressing the button, and then the visual card is connected with the POS terminal or mobile phone APP through NFC card sticking to update the balance information of the visual screen according to the prompt information of the visual card display "stick card to query balance". The balance information can be updated when "touching" payment is supported on the POS terminal, when balance is inquired on the POS terminal, and when "sticking" card reading is supported on the mobile phone APP. If the display information or the balance information update fails, the user is prompted to stick the card again on the visual screen.

[0080] (2) Long press the button to control the switch, and short press the button to control the screen switching. By long pressing the button, the visual card can be turned on, and then the first screen displays the offline payment code. In the on state, the payment code and the balance information can be switched by short pressing the button, and the NFC can be used for transaction function in the on state, and the inquiry function is not controlled by the NFC on / off. For example, the visual screen displays "long press the on key to turn on" to prompt the user to operate the button on the visual card according to the text. After turning on the visual card, the user's short press button operation is responded to, and information such as "transaction balance xxxx", "wallet balance xxxx", "red packet balance xxxx" and set style time information is displayed. These information can be displayed in a pre-set display style (such as list style), and Chinese and English fonts can be set for different display contents, such as Chinese font: black body, font size X number; English font: Arial, font size X number, etc.

[0081] (3) Switch display interaction of the visual card hard wallet: when the visual screen is off, "turn on and use" is displayed, the visual screen is turned on by long pressing the on key, the offline payment code is displayed on the first screen after turning on, and the secondary screen is switched by pressing again, "please stick the card to query the balance" is displayed, and the visual screen is turned off by long pressing the on key again.

[0082] (4) Display interaction of the payment code: a new offline payment code is generated every time the visual screen is turned on, and it is refreshed when it is turned off and turned on again. In order to ensure the safety of the user's funds, if it stays on the payment code page all the time and no operation is made, the offline payment code will be automatically erased in 60s, but the visual screen is not turned off, and "please press the button to display the QR code" is displayed on the screen. The user can display a new offline payment code by short pressing the button.

[0083] (5) Balance display interaction: after the visual screen is turned on, the card and the POS terminal or the mobile phone APP are connected through the NFC sticker, and the visual screen automatically displays "Please do not move away during transaction" during updating. After updating is completed, the visual screen automatically displays the updated balance and this transaction information. On the balance display page, there is no automatic closing interaction. If there is no balance information on the visual screen or the balance information updating fails, the visual screen prompts the user to update the card.

[0084] In addition, after the transaction is completed, the visual screen also displays the text content "Transaction completed" to prompt the user that the transaction is completed. In the case that the visual card is low on power, different content is displayed on the visual screen according to the actual situation. For example, during the transaction, the visual screen can display "Low power, please replace the card", and in the non-transaction, the visual card can display "Low power, please charge". In this way, the user can be effectively reminded to understand the specific scene, and the user experience is improved.

[0085] For example, in at least some embodiments of the present disclosure, a display control method of a visual hard wallet is also proposed, which includes: receiving a display operation instruction, wherein the display operation instruction includes a display style modification instruction or a echo instruction, and the echo instruction is an instruction for controlling the visual hard wallet to display transaction information according to the transaction information after the transaction is completed; calling a corresponding control interface according to the display operation instruction, performing an operation corresponding to the display style modification instruction to modify the currently set display style, or performing an operation corresponding to the echo instruction to generate a control instruction for displaying transaction information according to the currently set display style, and driving the corresponding display area of the visual screen of the hard wallet to display transaction information according to the currently set display style according to the control instruction; wherein the display style is a set of display area styles and display content styles.

[0086] For example, according to the display control method of at least one embodiment of the present disclosure, the step of performing an operation corresponding to the echo instruction to generate a control instruction for displaying transaction information according to the currently set display style includes: calling a display control interface in response to the echo instruction, determining the corresponding display area number and display content number according to the currently set display style number, and finding the display content corresponding to the display content number; determining the display area to be driven according to the display area number, and generating the control instruction based on the display content and the display area.

[0087] For example, according to the display control method of at least one embodiment of the present disclosure, the display area pattern is a first display area pattern of horizontally dividing the display unit, a second display area pattern of vertically dividing the display unit, or a third display area pattern of grid dividing the display unit, and each display area is provided with a display area number; the display content pattern is composed of at least one of a set pattern, a text template, and a two-dimensional code, and each display content is provided with a display content number, and the text template is further provided with a text library, a number library, and a symbol library, and the elements in each library are provided with an element number; the display pattern is provided with a display pattern number, and each display pattern number corresponds to a set composed of the display area number and the display content number.

[0088] For example, according to the display control method of at least one embodiment of the present disclosure, the text template includes text content for indicating a transaction amount and a balance, and according to different stages of the transaction process, a digital element corresponding to the transaction amount or the balance at the current stage is determined, and a control instruction is generated according to the digital element and the display pattern, and a display area displaying the transaction amount or a display area displaying the balance is separately driven.

[0089] For example, according to the display control method of at least one embodiment of the present disclosure, the method further includes: generating transaction information according to a transaction instruction; determining whether the text template related to the transaction information is contained in the currently set display pattern, and if the determination is yes, extracting the related element from the transaction information, and generating a control instruction according to the extracted element and the display pattern.

[0090] For example, according to the display control method of at least one embodiment of the present disclosure, the text template includes text content for indicating a transaction amount and a balance, and according to different stages of the transaction process, a digital element corresponding to the transaction amount or the balance at the current stage is determined, and a control instruction is generated according to the digital element and the display pattern, and a display area displaying the transaction amount or a display area displaying the balance is separately driven.

[0091] According to the display control method of some embodiments of the present disclosure, the content and the display area of the display can be flexibly controlled, and in particular, the problem that the hard wallet cannot change the display pattern, content format, and position after being issued is solved.

[0092] FIG. 4 shows a flowchart of a transaction method based on a digital currency hard wallet according to at least one embodiment of the present disclosure.

[0093] As shown in FIG. 4, in some scenarios, for example, in order to enable a mobile communication terminal to be converted into a collection terminal and a hard wallet to perform transactions, the mobile communication terminal 130 needs to be pre-registered with the terminal management background 140 to be configured as a collection terminal capable of digital currency transactions with the hard wallet (S400).

[0094] For example, at the time of registration, the mobile communication terminal 130 sends a payee terminal registration request to the terminal management background 140 to be marked as a terminal with payee capability. Among them, the payee terminal registration request is the registration information sent by the mobile communication terminal 130 to the background 140 to express the hope of becoming a payee terminal, and the registration information can include user name, ID number, phone number, SMS verification code, terminal unique identification number (an example of terminal identity information), use location information, etc. Among them, the use location information in the registration information is to limit the controllable safe range in the subsequent payee business, for example, when performing a transaction, the current location information will be obtained first, and it is judged whether it is within the controllable safe range, and if it is within the controllable range, the payee business can be performed.

[0095] Then, after receiving these information, the terminal management background 140 will check and store these information, and record locally that the mobile communication terminal 130 has payee capability. For example, the identity information of the mobile communication terminal 130 and the payee capability identifier are stored in association, which is to judge the payee right of the payee terminal when executing the digital currency transaction later and to determine the legality of the payee terminal. After the terminal management background 140 performs the above operation, it also needs to issue a payee module to the terminal 130 which can perform digital currency transaction with the hard wallet. Further, the payee module is a function that can realize and hard wallet payee transaction, without limiting the specific implementation. For example, referring to the related content of the mobile communication terminal described above, the payee module is formed by using the SDK plug-in mode, which is not described here. The terminal 130 receives and installs the payee module, and after installation, the registration is completed and it is converted into a payee terminal. When performing transaction processing, the payee module is used to realize the main steps in the transaction process.

[0096] At the beginning of the transaction, the mobile communication terminal 130 and the hard wallet 120 establish a communication connection, the terminal 130 initiates a digital currency payee transaction (for example, input the payee amount in the user interface), and sends a feature negotiation instruction to the hard wallet 120 in the interaction (S401). The specific communication method of the two is referred to the related content described above, which is not described here. As described above, the hard wallet 120 is internally provided with a hard wallet application 1021A, and the payee module of the terminal 130 also sends an application selection instruction to the hard wallet 120 to start the hard wallet application 1021. After receiving the application selection response feedback from the hard wallet 120, the feature negotiation process with the hard wallet 120 is performed.

[0097] Through the feature negotiation process, the selection of the fast transaction mode can be realized, and the capability information of the counterpart can be known. For example, the feature negotiation instruction can include the expression version information, the application version information, the transaction mode, the terminal type, the collection capability, the networking capability and the like. Among them, the terminal type refers to the classification type corresponding to the terminal, such as a public infrastructure terminal, a general consumer POS terminal, a mobile phone communication terminal and the like. The transaction mode indicates the transaction mode supported by the transaction party, which can include single offline transaction or double offline transaction.

[0098] After the hard wallet 120 receives the feature negotiation instruction, the feature negotiation result and the hard wallet capability information are returned in response to the feature negotiation instruction (S403). The feature negotiation result includes negotiation success and negotiation failure. If the negotiation result is negotiation failure, the transaction is terminated (the terminal 130 rejects the transaction); if the negotiation result is negotiation success, the subsequent process is continued. “Negotiation success” indicates that the hard wallet 120 meets the needs of the terminal 130, at least matches the expression version information, the application version information and the transaction mode of the terminal 130. The hard wallet capability information includes all supported transaction modes and human-computer interaction capabilities such as networking capability and display capability. In some examples, the algorithm information supported by the hard wallet can also be included.

[0099] Next, after the terminal 130 receives the information, it is determined whether the hard wallet has display capability and networking capability according to the hard wallet capability information (S405). For example, the collection module of the terminal 130 parses the received capability information to determine whether the capability information includes a number indicating that the hard wallet has display capability and a parameter indicating the networking state. If the corresponding information is included, it indicates that the hard wallet 120 has the corresponding capability. In the embodiments of the present disclosure, the hard wallet mainly has display capability and does not have networking capability. Correspondingly, the hard wallet 120 also acquires the capability parameters sent by the mobile communication terminal 130.

[0100] In the case that the feature negotiation result is negotiation success and it is determined that the hard wallet has display capability and does not have networking capability, the mobile communication terminal 130 sends a transaction instruction to the hard wallet 120 to acquire the digital currency transaction information to acquire the digital currency transaction information (S407). The transaction instruction can include the collection party type, the collection party identifier, the terminal unique number, the transaction amount, the random factor and the transaction time. The hard wallet 120 returns the digital currency transaction information in response to the transaction instruction (S409). The terminal 130 initiates a transaction processing instruction to the digital currency transaction background 150 in response to the digital currency transaction information sent by the hard wallet 120, that is, acquires the digital currency transaction information from the hard wallet 120 and sends it to the digital currency transaction background 150 (S411), and receives the transaction processing result returned from the digital currency transaction background. The digital currency transaction information includes the related information of the hard wallet collection, the collection terminal type and the hard wallet display capability information.

[0101] In one example, the transaction information can include the payer identification, the payee identification, the digital currency identification, the type of the payee terminal, the terminal unique number, the transaction amount, the transaction times counter, the hard wallet capability identification, the terminal random number, the transaction time, the verification code MAC, and the like. The payer identification is the identification information corresponding to the hard wallet 120; the terminal unique number represents the payee identity information; the payee identification is the identification information of the payee corresponding to the terminal 130; the transaction times counter indicates the remaining number of offline transactions, which is incremented by one after each transaction, and is used to disperse the key and prevent transaction replay attacks; the hard wallet capability information can be embodied by the capability identification, which generally includes the hard wallet display capability identification and the network status parameter; the terminal random number is used for comparison to prevent transaction replay; and the verification code MAC is used for information verification.

[0102] In the embodiments of the present disclosure, after receiving the transaction information sent by the terminal 130, the digital currency transaction background 150 can perform the following operations according to the specific information contained in the transaction information: for example, judging and identifying the visual hard wallet by using the contained capability identification information; verifying the legality of the payee terminal by using the contained type of the payee terminal, the payee identification, the terminal unique number, and the transaction random factor; performing a security check operation by using the contained MAC value; establishing a relationship between the visual hard wallet and the corresponding account of the background, finding the user wallet, changing the account balance, and recording the transaction information by using the contained payer identification, payee identification, and digital currency identification; judging whether the hard wallet has reached the limit of the transaction times by using the contained transaction times counter information, and the like.

[0103] For example, when performing the transaction processing, the digital currency transaction background 150 determines whether the payee terminal is a mobile communication terminal according to the type of the payee terminal (S413). In the case of determining that the payee terminal is a mobile communication terminal, the legality of the payee terminal is verified to the terminal management background 140 (S415). When the payee terminal is verified to be legal, the subsequent transaction processing is performed.

[0104] Since each mobile communication terminal is registered to the terminal management background 140 and recorded in the database of the background during the conversion into a payee terminal, the mobile communication terminal is marked as a legal payee terminal. When the digital currency transaction background 150 determines that the payee terminal is a mobile communication terminal, the identity of the payee terminal is verified, i.e., the terminal identity information, such as the terminal unique identification number, is sent to the terminal management background 140, the terminal management background 140 determines whether the terminal is a registered legal terminal by searching the database through the identity identification, and returns the identity legality verification result to the digital currency transaction background 150.

[0105] For example, in the embodiments of the present disclosure, the mobile communication terminal 130 also applies for a transaction random factor corresponding to the terminal identity information of the mobile communication terminal from the digital currency transaction background 150 before sending the transaction instruction to the hardware wallet 120, and the transaction random factor is stored in the digital currency transaction background 140. The transaction random factor may, for example, be a random number sequence of a set number of digits generated by the digital currency transaction background 140 through a related random number generation technology, and the number sequence corresponds to the terminal identity information (for example, a terminal unique identification number). Then, the transaction random factor is included in the digital currency transaction information sent by the mobile communication terminal 130 to the digital currency transaction background 150, so that the identity legitimacy of the mobile communication terminal is verified according to the transaction random factor when the digital currency transaction background 150 performs transaction processing. Specifically, the digital currency transaction background 150 identifies the payee identification from the transaction information first, finds the corresponding transaction random factor according to the identification, and then compares the found transaction random factor with the transaction random factor carried by the transaction information. If they are consistent, it is judged that the payee terminal identity is legitimate, otherwise, the identity is not legitimate, and the transaction processing is refused to be performed.

[0106] For example, in the embodiments of the present disclosure, the digital currency transaction information includes not only the payment information, but also a transaction counter value and a MAC value. The digital currency transaction background 150 judges whether the transaction counter value meets the condition and verifies whether the MAC value is valid. In one example, it can be judged first whether the transaction counter value meets the condition; in the case where the transaction counter value meets the condition, it is verified whether the MAC value is valid. The MAC verification is set to be performed by the digital currency transaction background (generally, the background of the payment operation agency) here, mainly considering that the running environment of the mobile communication terminal (such as a mobile phone) is relatively complex, and the security is not trustworthy.

[0107] The MAC value in the transaction information is calculated by the hardware wallet 120 using the authentication key of the hardware wallet 120, and the authentication key of the hardware wallet 120 and the authentication key of the digital currency transaction background 150 are the same, which can be a pre-stored shared key, or can be calculated in real time through the same security algorithm, as long as the authentication keys of the two parties are the same.

[0108] When performing the MAC verification, the digital currency transaction background 150 calculates the MAC value of the payment information using the authentication key, and compares the calculated MAC value with the MAC value in the transaction information. If they are consistent, the subsequent operation flow is performed.

[0109] For example, when the digital currency transaction background 150 judges whether the transaction counter value meets the condition, it first extracts the transaction counter value (denoted as "first ATC value") from the transaction information, compares it with the transaction counter value (denoted as "second ATC value") stored locally by the digital currency transaction background 150, judges whether the first ATC value is greater than the second ATC value stored locally, and if so, judges that it meets the condition. Then, the first ATC value is encrypted using the same security algorithm as the hard wallet end to obtain a background authentication key, and the MAC value is calculated using the background authentication key. The calculated MAC value is compared with the received MAC value, and if they are consistent, the verification is passed, and the first ATC value is replaced by the second ATC value and stored in the local system.

[0110] For example, in the embodiment of the present disclosure, the mobile communication terminal 130 also sends terminal identity information to the digital currency transaction background 150, so that the digital currency transaction background 150 judges whether the terminal identity information sent by the mobile communication terminal and the payee identity information in the digital currency transaction information are consistent. If they are consistent, the transaction continues, otherwise, the transaction processing is refused.

[0111] For example, in the embodiment of the present disclosure, the digital currency transaction background 150 judges whether the transaction amount in the digital currency transaction information exceeds the account key-free amount. The account key-free amount is the upper limit of the amount that can be directly deducted without inputting the key when paying with the hard wallet. If the transaction amount exceeds, there will be a certain risk, therefore, by setting the limit key-free payment, the risk of large amount transaction can be effectively avoided.

[0112] For example, in the embodiment of the present disclosure, after the transaction processing, the digital currency transaction background 150 generates a echo instruction in response to the hard wallet display capability information (S417). The echo instruction at least contains transaction amount information and balance information, which can be encrypted first, and after the terminal 130 sends the echo instruction to the hard wallet 120, the hard wallet 120 obtains the transaction amount information and balance information by decryption. In other examples, the echo instruction also includes a two-dimensional code and / or transaction details. The two-dimensional code is a form of display content, and the information contained in the two-dimensional code can be transaction information, merchant information, transaction amount, balance, invoicing website, invoicing information, etc. (which can be obtained by scanning with a mobile phone, IPad, etc.); the transaction details can be in the form of text to display transaction information, merchant information, remaining offline transaction times, etc.

[0113] It is easy to understand that in the case that the transaction counterpart is a hard wallet without display capability, the digital currency transaction background 150 does not detect the display capability parameter identifier of the hard wallet, and therefore returns the transaction processing result to the mobile communication terminal without returning the transaction echo instruction after executing the transaction processing according to the transaction information. The mobile communication terminal prompts the user to complete the first transaction after receiving the transaction processing result.

[0114] In an embodiment of the present disclosure, the digital currency transaction background 150 sends the echo instruction to the mobile communication terminal 130 (S419). The mobile communication terminal 130 sends the echo instruction to the hard wallet 120 (S421). The hard wallet 120 updates the display of the information including the transaction amount and the balance according to the echo instruction through its display capability (S423).

[0115] In an embodiment of the present disclosure, the hard wallet 120 performs at least one operation of clearing the displayed information, updating the display information to the transaction amount information, and updating the display information to the set prompt information through its display capability.

[0116] For example, in an embodiment of the present disclosure, the hard wallet 120 includes a visualization interface. After the hard wallet decrypts the echo instruction to obtain, for example, the transaction amount, the balance, the two-dimensional code, and / or the transaction details, the hard wallet 120 calls the visualization interface according to the transaction amount information, the balance information, the two-dimensional code information, and / or the transaction detail information, that is, the information that can be called by the content to be displayed on the visualization module, updates the display information to the set prompt information, such as “payment completed”, “transaction amount”, and “balance remaining”, and the like, as shown in the content of 102B in FIG. 1.

[0117] In addition, in other embodiments, the visual hardware wallet 120 also updates the display content on the visualization module when sending the transaction information in response to the transaction instruction of the mobile communication terminal 130, for example, clearing the displayed information, prompting the user that the hard wallet is in the process of payment, and updating the display information to the transaction amount information, as shown in the content of 102A in FIG. 1. Through this display updating operation, the balance information can be accurately displayed on the hard wallet for subsequent display, which improves the accuracy of the display compared with the related art. The hard wallet can perform the display updating operation before receiving the echo instruction, for example, at the same time, before and after sending the digital currency transaction information within a set time, and in order to ensure real-time performance, it is best to display at the same time as the information is sent. The present disclosure does not limit this.

[0118] After two update displays (as shown in 102A and 102B), the user can clearly perceive the change of the information displayed on the visualization module during the transaction using the visual hard wallet, improving the use experience during the transaction; and further helping the user to determine whether the content displayed on the visualization module is updated content, improving the user experience.

[0119] After the hard wallet 120 performs the update display operation, the operation result is returned to the mobile communication terminal 130 (S425), and the mobile communication terminal 130 displays the echo result (S427), prompting the user that the hard wallet has completed the echo operation.

[0120] In order to better understand the embodiments of the present disclosure, the following describes how to implement the transaction process of the mobile terminal as a receiving terminal and the hard wallet by taking the transaction system of the mobile terminal and the visual hard wallet as an example.

[0121] FIG. 5 shows a flowchart of an exemplary transaction method according to at least one embodiment of the present disclosure. In the present scheme, the mobile communication terminal is a mobile terminal 130A, and the hard wallet is a visual hard wallet 120A, which has display capability and can also have a digital currency string. The digital currency transaction background 150 is an operation agency background server, which can perform digital currency transactions. The transaction in the present example is set as an intra-agency digital currency transaction. The terminal management background 140 performs management operations on the mobile receiving terminal 130A.

[0122] The following describes in detail the operation of the mobile terminal 130A as a receiving terminal and the hard wallet 120A performing a digital currency transaction.

[0123] Step 1: The mobile terminal 130A is configured as a receiving terminal.

[0124] In the present step, the receiving user inputs registration information such as user name, ID number, phone number, SMS verification code, terminal unique identification number, and use location information in the mobile terminal 130, and the mobile terminal 130A uploads the registration information to the terminal management background 140. The terminal management background 140 verifies the information and records the registration information, records the identification that the mobile terminal 130A has the receiving capability, issues an SDK plug-in that can be traded with the hard wallet, and the mobile terminal 130A downloads the SDK plug-in to complete the registration and configuration of the receiving terminal. The SDK plug-in provides an API interface for calling the hard wallet transaction, and the SDK plug-in can automatically complete the interaction of the Application Protocol Data Unit (APDU) transaction instruction between the hard wallet, and can limit the use range according to the real-time location information;

[0125] Second step: the mobile payment terminal 130A trades with the visual hard wallet 120A through the SDK plug-in, and specifically includes the following steps:

[0126] (1) The mobile payment terminal 130A selects the hard wallet application through the non-contact communication mode, sends a feature negotiation instruction to negotiate the capability, and the feature negotiation data can include the version number, the transaction model supported by the terminal, the identification that the terminal has the payment capability, and the identification of the terminal type (which is a mobile terminal). After the hard wallet 120A receives the feature negotiation instruction, the version number and the transaction model are matched, the identification that the terminal is a mobile terminal and has the payment function is recorded, the hard wallet 120A returns the negotiation matching result (for example, the negotiation result of supporting single offline or double offline transaction mode) and the capability supported by the hard wallet 120A (for example, the identification of having display capability), and the mobile payment terminal 130A records the identification that the hard wallet 120A has the display capability according to the negotiation data returned by the hard wallet 120A;

[0127] (2) The mobile payment terminal 130A applies for a random factor to the digital currency transaction background 150, the random factor corresponds to the payee identification, the mobile terminal 130A obtains the random factor, and sends an instruction to obtain payment information to the hard wallet 120A, the instruction includes the payee identification, the terminal unique identification number, the transaction amount, the random factor and the transaction time, the hard wallet 120A transmits the digital currency transaction information to the mobile payment terminal 130A, and updates the display screen to "transaction in progress" or empty balance, or clears the whole screen (reference numeral 102A in FIG. 1), the transaction information includes the terminal type (which is a mobile payment terminal), the payee identification, the payee identification, the hard wallet transaction counter, the terminal unique identification number, the transaction amount, the random factor, the transaction time, the hard wallet has display capability identification, and MAC.

[0128] Third step: the digital currency transaction background 150 processes the transaction, and specifically includes the following steps:

[0129] (1)Mobile payment terminal 130A transmits digital currency transaction information and terminal unique identification number to digital currency transaction background 150 (generally payment operation agency background 106) through SDK plug-in for transaction processing. Payment operation agency background 106 first determines whether it is an intra-agency transaction according to the payee identifier and the payer identifier. If not, it forwards the transaction information and the terminal unique identification number to the second server (the payer operation agency background) 110 through the interconnection platform 108. The payment operation agency background 106 determines the consistency of the payment terminal type (mobile payment terminal), the payee identifier, the terminal unique number, the transaction amount, the random factor, and the transaction time. The payer operation agency background 110 finds the transaction counter stored in the hard wallet background according to the payer identifier, verifies whether the hard wallet transaction counter in the transaction information is greater than the counter stored in the background, and if so, uses the counter value to disperse the hard wallet key stored in the background to obtain the process key (also known as the authentication key). The process key is used to calculate the MAC value of the information in the transaction information except the MAC value, and then compared with the MAC in the transaction information. If they are consistent, the MAC is correct, and if not, the transaction is rejected;

[0130] (2) According to the payee identifier, the corresponding random factor in the background is found and compared with the random factor in the transaction information. The terminal unique identification number in the message is compared with the terminal unique identification number in the hard wallet transaction information. If the comparison fails, the transaction is rejected.

[0131] (3) Check if the transaction amount exceeds the account password-free amount. If it exceeds, the transaction is rejected.

[0132] The hard wallet can have a single offline transaction amount limit, a single offline cumulative transaction amount limit, and a daily cumulative offline amount limit. Any transaction that causes the hard wallet to exceed the single offline transaction amount limit should be rejected and should not be successfully paid.

[0133] (4) If the payment terminal type is a mobile payment terminal, send the terminal unique identification number to the terminal management background 140 to determine whether the terminal is a legally registered payment terminal. If the verification fails, the transaction is rejected.

[0134] (5) According to the hard wallet 120A having a display capability identifier, identify the hard wallet type as a visual hard wallet, and organize the echo instruction and transaction result to return to the mobile payment terminal 130A.

[0135] Step 4, transaction completion processing, specifically including the following steps:

[0136] (1) Mobile payment terminal 130A receives transaction results and echo instructions through SDK plug-in. Mobile terminal 130A prompts the transaction result, and parses the echo instruction according to the previously recorded hard wallet display capability identifier.

[0137] (2) The mobile payment terminal 130A sends a echo instruction to the visual hardware wallet 120A through the SDK plug-in to display the transaction amount, balance and other information, and the hardware wallet 120A displays the transaction amount, balance and other background information on the visual screen according to the instruction.

[0138] It should be noted that the above application scenario is only exemplary, so as to describe one or more aspects of the present disclosure in a specific scenario, but these aspects are not necessarily required, and various modifications can be made to the application scenario.

[0139] For example, at least one embodiment of the present disclosure also provides a transaction system based on a digital currency hardware wallet. As shown in FIG. 1, the system includes a hardware wallet 120, a mobile communication terminal 130 and a digital currency transaction background 150.

[0140] The mobile communication terminal 130 is configured to: pre-register with the terminal management background 140 to configure the payment terminal capable of digital currency transaction with the hardware wallet 120; initiate a digital currency payment transaction, send a feature negotiation instruction to the hardware wallet 120 in interaction, receive the feature negotiation result and the hardware wallet capability information returned by the hardware wallet 120 in response to the feature negotiation instruction; in the case that the feature negotiation result is negotiation success and it is judged that the hardware wallet 120 does not have networking capability, send an instruction to the hardware wallet 120 to obtain digital currency transaction information; in response to the digital currency transaction information sent by the hardware wallet 120, initiate a transaction processing instruction to the digital currency transaction background and receive the transaction processing result returned from the digital currency transaction background 150 according to the transaction information.

[0141] The digital currency transaction background 150 is configured to: in the case that the payment terminal is a mobile communication terminal according to the type of the payment terminal in the transaction information, verify the legality of the payment terminal to the terminal management background 140.

[0142] Since the details of the contents involved in the operation of the above-mentioned system 100 have been introduced in the above description of the transaction method based on the digital currency hardware wallet, such as FIGS. 4-5, for the sake of brevity, the relevant details will not be repeated here, and the relevant details can be referred to the above description of the method.

[0143] At least some embodiments of the present disclosure also provide an electronic device. FIG. 6 shows a schematic diagram of an electronic device 600 according to at least one embodiment of the present disclosure.

[0144] As shown in FIG. 6, the electronic device 600 includes one or more processors 610 and a memory 620. The memory 620 includes one or more computer program modules 621. The one or more computer program modules 621 are stored in the memory 620 and configured to be executed by the processor 610, and the one or more computer program modules 621 include instructions configured to perform the method for transaction based on a digital currency hard wallet according to at least one embodiment of the disclosure and additional aspects thereof, which, when executed by the processor 610, can perform one or more steps of the method for transaction based on a digital currency hard wallet according to at least one embodiment of the disclosure and additional aspects thereof. The memory 620 and the processor 610 can be interconnected by 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 industry standard architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0145] Exemplarily, the processor 610 can be a central processing unit (CPU), a digital signal processor (DSP), or other forms of processing units having data processing and / or program executing capabilities, such as a field programmable gate array (FPGA), etc. The processor 610 can be a general purpose processor or a special purpose processor, and can control other components in the electronic device 600 to perform desired functions.

[0146] Exemplarily, the memory 620 can include any combination of one or more computer program products, which can include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. Volatile memory, for example, can include random access memory (RAM), cache memory, etc. Non-volatile memory, for example, can include read-only memory (ROM), hard disk, erasable programmable read-only memory (EPROM), compact disc read-only memory (CD-ROM), USB memory, flash memory, etc. One or more computer program modules 621 can be stored on the computer-readable storage media, and the processor 610 can run the one or more computer program modules 621 to implement various functions of the electronic device 600. The computer program modules include a plurality of computer-executable instructions. Various application programs and various data used and / or generated by the application programs, etc. can also be stored in the computer-readable storage media.

[0147] For example, the electronic device 600 can further include input devices such as a touch screen, a touch pad, 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 LAN card, a modem, etc. The communication devices can allow the electronic device 600 to communicate with other devices wirelessly or via wires to exchange data, perform communication processing via a network such as the Internet. Drivers are connected to the I / O interface as needed. Removable storage media such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc. are mounted on the drivers as needed, so that computer programs read from them are installed in the storage devices as needed.

[0148] For example, the electronic device 600 can further include a peripheral interface (not shown) and the like. The peripheral interface can be various types of interfaces, such as a USB interface, a lighting interface, and the like. The communication devices can communicate with networks and other devices through wireless communication, the networks being, for example, 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 can use any of a plurality 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.

[0149] The electronic device 600 can be, for example, a system on chip (SOC) or a device including the SOC, such as a mobile phone, a tablet computer, a notebook computer, an e-book, a game console, a television, a digital photo frame, a navigator, a home appliance, a communication base station, an industrial controller, a server, or any device, and can be any data processing apparatus and combination of hardware, without limitation. The specific functions and technical effects of the electronic device 600 can be referred to the description of the transaction method based on a digital currency hard wallet and additional aspects thereof according to at least one embodiment of the present disclosure, which will not be repeated here.

[0150] FIG. 7 shows a schematic diagram of a computer-readable medium 700 according to at least one embodiment of the present disclosure.

[0151] As shown in FIG. 7, the computer readable medium 700 stores computer instructions 710 which, when executed by a processor, perform one or more steps of the method for transaction based on digital currency hard wallet and additional aspects thereof as described above.

[0152] Exemplarily, when the program code is read by a computer, the computer can execute the program code stored in the computer storage medium to perform one or more steps of the method for transaction based on digital currency hard wallet and additional aspects thereof according to at least one embodiment of the present disclosure, for example.

[0153] Exemplarily, the computer readable medium can include a memory card of a smart phone, a memory 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 disc read only memory (CD-ROM), a flash memory, and other computer readable medium or any combination thereof.

[0154] At least part of the embodiments in the specification are described in a progressive manner, and each embodiment focuses on the difference from other embodiments, and the same or similar parts between embodiments can be referred to each other.

[0155] It should be noted that, in this document, the relationship terms such as first, second and the like are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between these entities or operations. The terms "include", "contain" or any other variants thereof are intended to cover non-exclusive inclusion, so that the process, method, article or device including a series of elements not only includes those elements, but further includes other elements not explicitly listed, or further includes elements inherent to such process, method, article or device. Without more limitations, the elements defined by the statement "include" do not exclude the presence of other same elements in the process, method, article or device including the elements.

[0156] For the present disclosure, the following points need to be explained:

[0157] (1) The drawings of the embodiments of the present disclosure only involve the structures related to the embodiments of the present disclosure, and other structures can refer to the general design.

[0158] (2) In the case of no conflict, the embodiments of the present disclosure and the features in the embodiments can be combined with each other to obtain new embodiments.

[0159] The above-described embodiments are merely exemplary embodiments of the present disclosure, not intended to limit the protection scope of the present disclosure, and the protection scope of the present disclosure is determined by the appended claims. Industrial applicability

[0160] The scheme provided by the embodiments of the present disclosure can be applied to the field of computer technology. In the embodiments of the present disclosure, a mobile communication terminal initiates a digital currency collection transaction, sends a feature negotiation instruction to a hard wallet, receives a feature negotiation result returned by the hard wallet and hard wallet capability information; in the case that the feature negotiation result is negotiation success and the hard wallet does not have networking capability, the mobile communication terminal acquires digital currency transaction information from the hard wallet and sends the digital currency transaction information to a digital currency transaction background for transaction processing; the mobile communication terminal receives a transaction processing result returned from the digital currency transaction background, the transaction processing result being a transaction processing result executed according to the transaction information; wherein the mobile communication terminal is pre-registered to a terminal management background to be configured as a collection terminal capable of performing a digital currency transaction with the hard wallet, and when the digital currency transaction background judges that the collection terminal is the mobile communication terminal according to a collection terminal type in the transaction information, the digital currency transaction background verifies the legality of the collection terminal to the terminal management background, thereby achieving the technical effect of convenient collection.

Claims

1. A transaction method based on a digital currency hardware wallet, the method comprising: a mobile communication terminal initiating a digital currency payment transaction, sending a feature negotiation instruction to the hardware wallet in interaction, receiving a feature negotiation result and hardware wallet capability information returned by the hardware wallet in response to the feature negotiation instruction; in a case where the feature negotiation result is negotiation success and it is judged that the hardware wallet does not have networking capability, the mobile communication terminal sends an instruction to the hardware wallet to obtain digital currency transaction information; in response to the digital currency transaction information sent by the hardware wallet, the mobile communication terminal initiates a transaction processing instruction to the digital currency transaction background and receives a transaction processing result returned from the digital currency transaction background; wherein the mobile communication terminal is pre-registered to a terminal management background as a payment terminal capable of carrying out a digital currency transaction with the hardware wallet, and the digital currency transaction background verifies the legality of the payment terminal to the terminal management background in a case where it is judged from the payment terminal type in the transaction information that the payment terminal is the mobile communication terminal.

2. The transaction method of claim 1, wherein, Further comprising: the mobile communication terminal judging whether the hardware wallet has display capability according to the hardware wallet capability information; in a case where it is judged that the hardware wallet has display capability, the digital currency transaction information sent by the mobile communication terminal to the digital currency transaction background further comprises hardware wallet display capability information; the mobile communication terminal sends an echo instruction generated by the digital currency transaction background in response to the hardware wallet display capability information in the transaction information to the hardware wallet, so that the hardware wallet displays information including transaction amount and balance according to the echo instruction through its display capability.

3. The transaction method of claim 1, wherein, the mobile communication terminal is pre-configured as a payment terminal capable of carrying out a digital currency transaction with the hardware wallet by the following steps: sending a payment terminal registration request to the terminal management background to be marked as a terminal having payment capability; receiving and installing a payment module capable of carrying out digital currency payment to the hardware wallet issued by the terminal management background.

4. The transaction method of claim 3, wherein, the payment module is an SDK plug-in or an application program having all functions of the SDK plug-in. 5.The transaction method according to claim 2, wherein before receiving the echo instruction, the hardware wallet performs at least one of the following operations through its display capability: clearing the displayed information, updating the display information to transaction amount information, and updating the display information to set prompt information.

6. The transaction method according to any one of claims 1 to 5, wherein, Further comprising: the mobile communication terminal applies a transaction random factor to the digital currency transaction background, wherein the transaction random factor corresponds to the terminal identity information of the mobile communication terminal and is stored in the digital currency transaction background in association; the digital currency transaction information sent by the mobile communication terminal to the digital currency transaction background comprises the transaction random factor, so that the digital currency transaction background verifies the identity legality of the mobile communication terminal according to the transaction random factor when performing transaction processing. 7.The transaction method according to claim 1, wherein The digital currency transaction information includes a transaction counter value and a MAC value. The digital currency transaction background judges whether the transaction counter value meets the condition and verifies whether the MAC value is valid.

8. The transaction method of claim 1, wherein, The mobile communication terminal further sends terminal identity information to the digital currency transaction background, so that the digital currency transaction background judges whether the terminal identity information sent by the mobile communication terminal and the payee identity information in the digital currency transaction information are consistent.

9. The transaction method of claim 1, wherein, The digital currency transaction background judges whether the transaction amount in the digital currency transaction information exceeds the account password-free amount.

10. A transaction system based on a digital currency hard wallet, the system comprising: a mobile communication terminal configured to: pre-register with a terminal management background to be configured as a payee terminal capable of conducting digital currency transactions with the hard wallet; initiate a digital currency payee transaction, send a feature negotiation instruction to the hard wallet in interaction, receive a feature negotiation result and hard wallet capability information returned by the hard wallet in response to the feature negotiation instruction; in the case that the feature negotiation result is negotiation success and it is judged that the hard wallet does not have networking capability, send an instruction to the hard wallet to obtain digital currency transaction information; in response to the digital currency transaction information sent by the hard wallet, initiate a transaction processing instruction to a digital currency transaction background and receive a transaction processing result returned from the digital currency transaction background; the digital currency transaction background configured to: in the case that the payee terminal is a mobile communication terminal according to the payee terminal type in the transaction information, verify the legality of the payee terminal to the terminal management background.

11. The transaction system of claim 10, wherein, the mobile communication terminal is further configured to: judge whether the hard wallet has display capability according to the hard wallet capability information; in the case that it is judged that the hard wallet has display capability, the digital currency transaction information sent to the digital currency transaction background further includes hard wallet display capability information; send a echo instruction generated by the digital currency transaction background to the hard wallet; the hard wallet is configured to display information including transaction amount and balance through its display capability according to the echo instruction; the digital currency transaction background is configured to generate the echo instruction in response to the hard wallet display capability information in the transaction information.

12. The transaction system of claim 10, wherein, the mobile communication terminal is configured to send a payee terminal registration request to the terminal management background to be marked as a terminal having payee capability; receive and install a payee module capable of conducting digital currency payee transactions with the hard wallet issued by the terminal management background.

13. The transaction system of claim 12, wherein, The payee module is an SDK plug-in or an application program having all functions of the SDK plug-in.

14. The transaction system of claim 11, wherein, The hard wallet is configured to perform at least one of the following operations by its display capability before receiving the echo instruction: clearing the displayed information, updating the display information to transaction amount information, and updating the display information to set prompt information. 15.The transaction system of any one of claims 10-14, wherein, The mobile communication terminal is configured to apply a transaction random factor to the digital currency transaction background, wherein the transaction random factor corresponds to terminal identity information of the mobile communication terminal and is stored in association in the digital currency transaction background. The digital currency transaction background is configured to verify the identity legitimacy of the mobile communication terminal according to the transaction random factor when performing transaction processing. 16.The transaction system of claim 10, wherein, The digital currency transaction information includes a transaction counter value and a MAC value. The digital currency transaction background is configured to determine whether the transaction counter value meets the condition and verify whether the MAC value is valid. 17.The transaction system of claim 10, wherein, The mobile communication terminal is configured to send terminal identity information to the digital currency transaction background. The digital currency transaction background is configured to determine whether the terminal identity information sent by the mobile communication terminal is consistent with the payee identity information in the digital currency transaction information. 18.The transaction system of claim 10, wherein, The digital currency transaction background is configured to determine whether the transaction amount in the digital currency transaction information exceeds the account password-free amount.

19. An electronic device, wherein, comprise: one or more processors; a memory configured to store 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 of any one of claims 1-9.

20. A computer readable medium having stored thereon a computer program, wherein, The program is executed by the processor to implement the method of any one of claims 1-9.

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