The invention provides a
digital currency multi-level hardware wallet transaction method, medium and
system, and belongs to the technical field of
digital currency transaction methods, and the method comprises the steps: firstly, deriving a business group mother wallet key for a hardware wallet
group based on a central
bank key and an operation mechanism key, and enabling the business group mother wallet key to be used for managing the creation,
revocation and validity period of a sub-key; and then, generating a sub-wallet key through the mother wallet key, and writing the sub-wallet key into a hardware wallet medium to serve as a
digital currency transaction terminal. In addition, a sub-hardware wallet program is written to the hardware wallet medium, including collection and fund collection functions. In the transaction process, a child wallet program firstly verifies a payer
certificate and transaction assets, completes collection, destroys the collected assets, creates an equal-amount new currency string, and encrypts and locks the same-amount new currency string through a public key of a female wallet key. And finally, a fund collection scheme is optimized by applying a
simulated annealing algorithm, a collection process is executed, and the problem of low efficiency of a traditional one-to-one collection mode when the number of sub-wallets is large is solved.