CN117974133A

CN117974133A - Digital currency transaction method and terminal

Info

Publication number: CN117974133A
Application number: CN202311865278.0A
Authority: CN
Inventors: 闫建丽; 袁巧
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2023-12-29
Filing date: 2023-12-29
Publication date: 2024-05-03

Abstract

The invention discloses a digital currency transaction method and an intelligent terminal, and relates to the field of digital currency payment. One embodiment of the method comprises the following steps: the near field communication controller obtains a payment application selection instruction sent by the acceptance terminal, responds to the fact that the payment application identifier in the payment application selection instruction is consistent with the payment application identifier stored by the near field communication controller, and determines a receiving target of the payment application selection instruction according to the payment application selection instruction and the system activation state of the intelligent terminal; the near field communication controller sends the payment application selection instruction to the receiving target, and the receiving target performs digital currency transaction processing. The embodiment provides a safe and convenient payment mode for the user.

Description

Digital currency transaction method and terminal

Technical Field

The present invention relates to the field of computer technology, and in particular, to a digital money transaction method, a terminal, an electronic device, and a computer readable medium.

Background

With the popularization of the intelligent terminals and the rapid development of mobile payment, mobile payment based on the intelligent terminals is increasingly touted and favored by the masses. And safe and convenient, is always the focus of mobile payment technology.

Disclosure of Invention

In view of this, an aspect of the present invention provides a digital money transaction method based on an intelligent terminal, which not only ensures security, but also is convenient to use, and specifically, the intelligent terminal is provided with a near field communication controller, a security unit and a host-based card simulation application, and the method includes the following steps:

The near field communication controller obtains a payment application selection instruction sent by the acceptance terminal, wherein the payment application selection instruction comprises a payment application identifier;

Responding to the fact that the payment application identification in the payment application selection instruction is consistent with the payment application identification stored in the near field communication controller, and determining a receiving target of the payment application selection instruction according to the payment application selection instruction and the system activation state of the intelligent terminal by the near field communication controller, wherein the receiving target is a security unit or a card simulation application and a security unit based on a host;

the near field communication controller sends a payment application selection instruction to a receiving target, and the receiving target performs digital currency transaction processing.

In some embodiments of the application, the receiving target performs a digital money transaction process comprising:

Generating selection response information according to the payment application selection instruction, and sending the selection response information to the acceptance terminal through the near field communication controller;

The near field communication controller receives a transaction instruction sent by the acceptance terminal and sends the transaction instruction to the receiving target, wherein the transaction instruction is generated after the acceptance terminal verifies the selection response information;

The receiving target generates a transaction ciphertext according to the transaction instruction, and sends the transaction ciphertext to the receiving terminal through the near field communication controller, so that the receiving terminal sends the transaction ciphertext to the digital currency background system, the digital currency background system verifies the transaction ciphertext, then executes the digital currency transaction corresponding to the transaction ciphertext type, and sends a transaction result to the receiving terminal.

In some embodiments of the present invention, when the receiving target is a host-based card emulation application and a security unit, the near field communication controller transmits a payment application selection instruction to the receiving target, the receiving target generates selection response information according to the payment application selection instruction, and transmits the selection response information to the accepting terminal through the near field communication controller, including:

The near field communication controller sends the payment application selection instruction to the host-based card simulation application, so that the host-based card simulation application forwards the payment application selection instruction to the security unit, the security unit generates selection response information according to the payment application selection instruction, and sends the selection response information to the host-based card simulation application, so that the host-based card simulation application sends the selection response information to the acceptance terminal through the near field communication controller;

The near field communication controller receives a transaction instruction sent by the acceptance terminal, and sends the transaction instruction to a receiving target, and the near field communication controller comprises:

The near field communication controller acquires a transaction instruction sent by the acceptance terminal, sends the transaction instruction to the card simulation application based on the host, performs the body checking processing according to the transaction instruction by the card simulation application based on the host, and sends the transaction instruction after the body checking processing to the safety unit;

the receiving target generates a transaction ciphertext according to the transaction instruction and sends the transaction ciphertext to the receiving terminal through the near field communication controller, and the method comprises the following steps:

The security unit generates a transaction ciphertext according to the transaction instruction, and the security unit marks the type of the transaction ciphertext according to the nuclear body processing result and sends the transaction ciphertext to the card simulation application based on the host, so that the card simulation application based on the host sends the transaction ciphertext to the acceptance terminal through the near field communication controller.

In some embodiments of the present invention, when the receiving target is a secure element, the near field communication controller transmits a payment application selection instruction to the receiving target, the receiving target generates selection response information according to the payment application selection instruction, and transmits the selection response information to the receiving terminal through the near field communication controller, including:

The near field communication controller sends a payment application selection instruction to the safety unit, the safety unit generates selection response information according to the payment application selection instruction, and sends the selection response information to the near field communication controller so that the near field communication controller sends the selection response information to the acceptance terminal;

the near field communication controller acquires a transaction instruction sent by the acceptance terminal and sends the transaction instruction to the security unit;

The security unit generates a transaction ciphertext according to the transaction instruction, marks the type of the transaction ciphertext as uncore, and sends the transaction ciphertext to the near field communication controller so that the near field communication controller sends the transaction ciphertext to the acceptance terminal.

In some embodiments of the present invention, a host-based card emulation application performs a transaction process according to a transaction instruction, and sends the transaction instruction after the transaction process to a security unit, including:

The card simulation application verification transaction instruction based on the host needs to carry out verification processing, and verification is carried out on the verification information input by the user;

in response to the verification of the transaction information passing, adding a verified mark in the transaction instruction, and sending the transaction instruction to the security unit;

The security unit marks the type of transaction ciphertext according to the nuclear body processing result, and comprises the following steps:

The security unit marks the transaction ciphertext as the checked body according to the checked body mark.

In some embodiments of the present invention, the host-based card simulation application performs a transaction processing according to the transaction instruction, and sends the transaction instruction after the transaction processing to the security unit, and further includes:

And in response to the verification of the nuclear body information not passing, sending transaction failure information to the acceptance terminal through the near field communication controller so as to enable the acceptance terminal to terminate the transaction.

the card simulation application based on the host computer verifies that the transaction instruction does not need to be subjected to body checking, adds an uncore mark in the transaction instruction and sends the transaction instruction to the security unit;

The security unit marks the transaction ciphertext as uncore according to the uncore mark.

In some embodiments of the present invention, the near field communication controller determines a receiving target of the payment application selection instruction according to the payment application selection instruction and a system activation state of the intelligent terminal, including:

responding to the system activation state of the intelligent terminal as inactive, and installing a payment application corresponding to the payment application identifier in the security unit, and determining that the receiving target of the payment application selection instruction is the security unit;

And in response to the system activation state of the intelligent terminal being activated, determining that the receiving target of the payment application selection instruction is a host-based card simulation application and a security unit.

In some embodiments of the invention, the secure element generates the selection response information according to the payment application selection instruction, comprising:

in response to the payment application identification in the payment application selection instruction being consistent with the payment application identification of the payment application installed in the secure element, the secure element invokes the payment application corresponding to the payment application identification to generate selection response information.

In some embodiments of the invention, the secure element generates a transaction ciphertext from the transaction instructions, comprising:

the security unit invokes a payment application corresponding to the payment application identifier and generates a transaction cryptogram according to the transaction instruction.

In another aspect of an embodiment of the present invention, there is also provided a digital money transaction terminal including a near field communication controller, a security unit, and a host-based card emulation application device, wherein,

The near field communication controller is configured to acquire a payment application selection instruction sent by the acceptance terminal, wherein the payment application selection instruction comprises a payment application identifier;

The near field communication controller is configured to respond to the fact that the payment application identifier in the payment application selection instruction is consistent with the payment application identifier stored by the near field communication controller, and according to the payment application selection instruction and the system activation state of the intelligent terminal, a receiving target of the payment application selection instruction is determined, wherein the receiving target is a security unit or a card simulation application and a security unit based on a host;

the near field communication controller is configured to send the payment application selection instruction to the receiving target, and the receiving target is configured to generate selection response information according to the payment application selection instruction and send the selection response information to the acceptance terminal through the near field communication controller;

the near field communication controller is configured to receive a transaction instruction sent by the acceptance terminal, and send the transaction instruction to the receiving target, wherein the transaction instruction is generated after the acceptance terminal verifies the selection response information;

the receiving target is configured to generate a transaction ciphertext according to the transaction instruction, and send the transaction ciphertext to the receiving terminal through the near field communication controller, so that the receiving terminal sends the transaction ciphertext to the digital currency background system, and after the digital currency background system verifies the transaction ciphertext, the digital currency background system executes digital currency transaction corresponding to the transaction ciphertext type and sends a transaction result to the receiving terminal.

According to still another aspect of an embodiment of the present invention, there is provided an electronic apparatus including: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors realize the digital currency transaction method provided by the embodiment of the invention.

According to still another aspect of the embodiments of the present invention, there is provided a computer-readable medium having stored thereon a computer program which, when executed by a processor, implements the digital money transaction method provided by the embodiments of the present invention.

One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, the near field communication controller in the intelligent terminal determines whether the receiving target is the host-based card simulation application or the security unit according to the payment application selection instruction and the system activation state of the intelligent terminal, and provides flexible payment experience for the user. And after receiving the target verification payment application identifier, generating response information, returning the response information to the receiving terminal, after receiving the terminal verification response information, sending a transaction instruction to the receiving target, generating a transaction ciphertext by the receiving target, returning the transaction ciphertext to the receiving terminal, and sending the transaction ciphertext to the digital currency background system by the receiving terminal, wherein the digital currency background system executes digital currency transaction according to the type of the transaction ciphertext. In the embodiment of the invention, the card simulation application based on the host communicates with the security unit through the machine card channel or the internal interface, and the security function of the security unit is used for generating the transaction ciphertext, so that the security of the digital currency transaction is improved.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the overall architecture of a digital money transaction system according to some embodiments of the invention;

FIG. 2 is a flow chart of a method of digital money transactions according to some embodiments of the invention;

FIG. 3 is a flow chart of a method for determining a receiving target in a digital money transaction according to some embodiments of the invention;

FIG. 4 is a flow diagram of a transaction process for digital money according to some embodiments of the invention;

FIG. 5 is a schematic diagram of the overall architecture of a digital money transaction system according to further embodiments of the invention;

FIG. 6 is a schematic flow chart of a digital money transaction method according to some embodiments of the invention for performing a transaction;

FIG. 7 is a schematic flow chart of a non-inductive payment transaction in an activated state with a digital money transaction method according to some embodiments of the present invention;

FIG. 8 is a flow diagram of a digital money transaction method in accordance with some embodiments of the present invention for a non-inductive payment transaction in an inactive state;

FIG. 9 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

Fig. 10 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

In the technical scheme disclosed by the invention, the aspects of acquisition, collection, updating, analysis, processing, use, transmission, storage and the like of the related user personal information all conform to the rules of related laws and regulations, are used for legal purposes, and do not violate the popular public order. Necessary measures are taken for the personal information of the user, illegal access to the personal information data of the user is prevented, and the personal information security, network security and national security of the user are maintained.

In the technical scheme of the invention, the related processes of collecting, using, storing, sharing, transferring and the like of the personal information of the user accord with the regulations of related laws and regulations, the user needs to be informed and obtain the consent or the authorization of the user, and when the personal information of the user is applicable, the technical processes of de-identification and/or anonymization and/or encryption are performed on the personal information of the user.

The term "NFC" in the embodiments of the present invention refers to near field communication technology; "POS" refers to a terminal having transaction functions; "AID" refers to the identity of an application; the HCE is based on card simulation of a host, and the HCE on the intelligent terminal can interact with a user, for example, can realize identity verification, user authorization and the like; "SE" refers to a secure element or a secure chip, including SWP-SIM (Single wire connection protocol SIM card), SWP-SD (Single wire connection protocol memory card), eSE (embedded secure element), etc.; "APDU" refers to an application protocol data unit.

As shown in fig. 1, an embodiment of the present invention provides a digital money transaction system 100 based on an intelligent terminal, which includes an intelligent terminal 110, an acceptance terminal 120, and a digital money backend system 130, wherein the intelligent terminal 110 includes a host-based card simulation application (HCE application) 111, a near field communication controller (NFC controller) 112, and a Security Element (SE) 113. The HCE application 111 is a client App which is installed on the intelligent terminal 110 and adopts HCE service to support digital currency, provides a UI interaction interface for a user, verifies the identity of the user, obtains authorization of the user for transaction, and keeps the AID registered in the NFC controller 112 consistent with the AID of the wallet application in the SE 113; the NFC controller 112 is a module on the intelligent terminal that provides an NFC function, and is responsible for receiving and sending non-communication data, registering and distributing an AID routing table; SE113 is a security unit on the terminal, and comprises SWP-SIM, SWP-SD, eSE and other forms, a user wallet application (uniquely identified by AID) is installed, wallet keys and user personal data are stored, and transaction data are subjected to security encryption to generate transaction ciphertext; the receiving terminal 120 is a receiving device supporting NFC card reader mode communication, and includes receiving devices such as a merchant POS and a personal POS; the digital currency background system 130 is a background system supporting a digital currency mobile payment function, and comprises a background system of a payment receiving and paying operation mechanism, a background system of a central row interconnection and intercommunication system and the like, and supports the digital currency transaction of the mechanism and a cross-mechanism.

The system 100 in embodiments of the present invention includes pre-transaction setup and transaction processes in the operational flow.

The setting flow before transaction is as follows: the user sets the NFC function on the intelligent terminal 110, sets the default application to be the HCE application, sets the default SE to be the security unit in which the wallet application is installed, and only sets once, without setting before each transaction.

The transaction process includes two phases, including an initialization process and a transaction processing process.

The first stage, the transaction initialization process, is described in detail below.

First, the reception terminal 120 uses the NFC reader mode to transmit an APDU command for selecting an AID, and the AID in the command is the wallet application AID.

Second, selecting a route: the user approaches the intelligent terminal 110 to the receiving terminal 120, the nfc controller 112 receives the selection instruction, selects the APDU instruction receiving target according to the AID routing table, and transmits the instruction, and the routing rule is set as follows:

1) If the intelligent terminal system is in an activated state, the user core and the authorization conditions are met, the receiving target is the HCE application 111, and the subsequent HCE application sends an instruction to the wallet application in the SE 113.

2) If the intelligent terminal system is in an inactive state, the requirements of user pre-authorization and non-inductive payment are met, and the receiving target is the wallet application in SE 113.

Third, the NFC controller 112 transfers the response data of the selection instruction returned by the wallet application in the SE113 to the reception terminal 120.

The second stage, the transaction processing procedure, is described in detail below.

In the first step, the reception terminal 120 continues to send the transaction command, and after receiving the transaction command, the NFC controller 112 transfers the transaction command according to the reception target determined in the second step in the first stage, and executes the following second step or the third step according to the difference of the reception targets. In the embodiment of the invention, the transaction instruction comprises transaction amount, payee wallet identification and other information.

In the second step, if the NFC controller 112 is routed to the HCE application 111, the HCE application 111 checks whether the user is required to check his/her identity according to the service rule (e.g. whether to pay without secret payment, etc.), and performs the following branch processing.

1. If the user does not need to check his/her own body (for example, when the transaction amount is less than the non-payment limit), the HCE application 111 directly transmits the transaction instruction to the wallet application in the SE113, and the wallet application generates a transaction ciphertext, and returns the transaction ciphertext to the reception terminal 120 via the HCE application 111 and the NFC controller 112, so as to continue to perform the fourth step of the transaction processing procedure.

2. If the user is required to check his/her identity (e.g., when the transaction amount is greater than the payment-free limit, or when the payment-free limit is not opened), the HCE application 111 invokes the system interface popup to verify the user's identity, obtain the user's authorization, and make different branches according to success or failure:

a) If it fails, a rejection transaction is returned to the acceptance terminal 120 via the NFC controller 112.

B) If the transaction instruction is successful, the transaction instruction is attached with the user checked body mark and is transmitted to a wallet application in the SE113 through a machine card channel, the wallet application returns the user checked body transaction ciphertext, and the transaction ciphertext is returned to the acceptance terminal through the HCE application 111 and the NFC controller 112 to continue to execute the fourth step of the transaction processing process.

Third, if the NFC controller 112 routes the transaction command to the wallet application in the SE113 through the non-access channel, the wallet application returns the user transaction ciphertext to the receiving terminal 120 through the NFC controller 112, and the fourth step of the transaction processing is continuously performed.

The plaintext corresponding to the transaction ciphertext in the embodiment of the invention comprises the transaction amount, the transaction ciphertext type, the payer wallet identification, the payee wallet identification and other information.

Fourth, the reception terminal 120 receives the transaction response, and if the transaction is refused, the transaction is terminated; otherwise, the transaction cryptogram is passed to the digital currency backend system 130.

Fifth, the digital currency background system 130 performs different quota management and risk control according to the type of transaction ciphertext, so as to ensure transaction security. For example, the digital currency backend system 130 verifies whether the transaction ciphertext was generated after verification, and if the transaction ciphertext was not verified and the transaction amount exceeded the secure payment limit, the transaction fails.

The digital currency background system 130 in the embodiment of the invention also carries out digital currency transaction according to the payer wallet identifier, the payee wallet identifier and the transaction amount in the transaction secret, and carries out the transaction of the mechanism when the operation mechanisms of wallets corresponding to the payer wallet identifier and the payee wallet identifier belong to the same wallet operation mechanism; when the wallet operation mechanisms corresponding to the payer wallet identification and the payee wallet identification do not belong to the same wallet operation mechanism, a transaction request is sent through the interconnection and interworking platform to conduct cross-mechanism transaction.

When the digital currency is in transaction, the parent wallet account bound with the payer wallet identification can be obtained according to the payer wallet identification inquiry, the digital currency corresponding to the transaction amount is deducted from the parent wallet account, and the corresponding digital currency is added into the corresponding payee wallet.

In the embodiment of the invention, the security level of the user checked transaction is higher, the method is suitable for large-amount transaction (such as large-amount consumption of a market supermarket and the like), and the user unchecked transaction is suitable for small-amount quick transaction (such as a small-amount scene of a bus subway convenience store and the like).

The system in the embodiment of the invention sets different transaction flows according to different transaction scenes, thereby not only meeting the safety requirement, but also providing convenient and fast transaction experience for users.

As shown in fig. 2, the embodiment of the present invention further provides a digital money transaction method applied to an intelligent terminal, in which a near field communication controller, a security unit and a host-based card simulation application are disposed, the method including:

S210: the near field communication controller obtains a payment application selection instruction sent by the acceptance terminal, wherein the payment application selection instruction comprises a payment application identifier. The acceptance terminal sends a payment application selection instruction to the incoming communication unit in a card simulation mode, wherein the payment application selection instruction comprises an identification AID of a payment application.

S220: the near field communication controller responds to the fact that the payment application identification in the payment application selection instruction is consistent with the payment application identification stored in the near field communication controller, and determines a receiving target of the payment application selection instruction according to the payment application selection instruction and the system activation state of the intelligent terminal, wherein the receiving target is a security unit or a card simulation application and a security unit based on a host.

The operation responded by the near field communication controller in the embodiment of the invention comprises the step of judging by the near field communication controller.

According to the embodiment of the invention, different acceptance targets are determined according to the payment application selection instruction and the system activation state of the intelligent terminal, so that the digital currency transaction can meet the multiple demands of a user, the technical basis is provided, the transaction related instruction can be rapidly processed when the acceptance target is a security unit, the rapid payment experience is provided for the user, and the transaction related instruction can be verified and processed by utilizing the host-based card simulation application (HCE) and the security unit when the acceptance target is the host-based card simulation application (HCE), so that the transaction security is improved.

The embodiment of the application can provide convenient payment for the user and can provide a payment mode with higher safety, the user can select a receiving target according to the payment requirement and the payment scene so as to select the payment mode, for example, when the user needs convenient payment without checking the user, the user can quickly conduct digital currency transaction, the transaction related instruction is directly transmitted to SE for processing, and the transaction is quick; when the user needs to pay safely, the identity of the user needs to be verified, a transaction related instruction is transmitted to SE through HCE, if the transaction condition meets the requirement of checking the user, the user can check the user through HCE service, the user can finish the digital currency transaction after checking the user, the transaction safety is improved, and the condition of theft and brushing is avoided.

In the embodiment of the invention, an AID routing table is stored in a general near field communication controller, the near field communication controller determines whether a payment application selection instruction is processed by the near field communication controller according to the AID in the payment application selection instruction, if the AID in the application selection instruction is consistent with the AID in the stored AID routing table, the processing by the near field communication controller is determined, and then a receiving target is determined according to the system activation state of the intelligent terminal.

For example, the AID routing table in the near field communication controller is { AID: f001002003, target: eSE; AID: f001002002, target: and SIM card }, if the selected AID sent by the receiving terminal is F001002001, the near field communication controller fails to determine the receiving target according to the AID routing table, if the selected AID sent by the receiving terminal is F001002003, the near field communication controller determines the target as eSE, and further judges the system activation state to determine the receiving target of the response instruction.

In some embodiments of the present invention, as shown in fig. 3, the near field communication controller determines a receiving target of the payment application selection instruction according to the payment application selection instruction and a system activation state of the intelligent terminal, including:

S221: and responding to the system activation state of the intelligent terminal as inactive, and installing the payment application corresponding to the payment application identifier in the security unit, and determining that the receiving target of the payment application selection instruction is the security unit.

S222: and in response to the system activation state of the intelligent terminal being activated, determining that the receiving target of the payment application selection instruction is a host-based card simulation application and a security unit.

The embodiment of the invention can determine the instruction receiving target according to the activation state of the intelligent terminal, thereby ensuring the flexibility of transaction. When the screen of the intelligent terminal is closed, the system activation state is inactive, and when the screen of the intelligent terminal is opened, the system activation state is activated. According to the embodiment of the invention, a convenient payment is provided for the user, and a payment mode with higher safety can be provided at the same time, so that the user can select a receiving target according to the payment requirement and the payment scene to select the payment mode, for example, when the user needs convenient payment, the user does not need to check himself, the user can conduct digital currency transaction in the screen-off state of the intelligent terminal, and the transaction is quick; when the user needs to pay safely, the identity of the user needs to be verified, the user can activate the intelligent terminal system, after the screen of the intelligent terminal is activated, a transaction related instruction is transmitted to the SE through the HCE, if the transaction condition meets the requirement of the verification, the user can verify the user through the HCE service, and the transaction can be completed after the user passes the verification, so that the transaction safety is improved.

After the near field communication controller determines the receiving target, the subsequent digital currency transaction processing is executed by the receiving target. In some embodiments of the invention, the process of receiving the target for the digital currency transaction processing includes the response of the payment application selection instruction and the processing of the subsequent transaction instruction, generating a transaction ciphertext, and sending the transaction ciphertext to the acceptance terminal to complete the digital currency transaction.

S230: the near field communication controller sends the payment application selection instruction to the receiving target, the receiving target generates selection response information according to the payment application selection instruction, and the selection response information is sent to the receiving terminal through the near field communication controller.

In the embodiment of the invention, the near field communication controller sends the instruction to different main bodies for execution according to different receiving targets, so that the flexibility is realized.

In some embodiments of the present invention, when receiving a card emulation application and a security unit targeted for a host, the near field communication controller transmits a payment application selection instruction to the host-based card emulation application, so that the host-based card emulation application forwards the payment application selection instruction to the security unit, and the security unit generates selection response information according to the payment application selection instruction, and transmits the selection response information to the host-based card emulation application, so that the host-based card emulation application transmits the selection response information to the acceptance terminal through the near field communication controller.

In some embodiments of the present invention, when the receiving target is a security unit, the near field communication controller sends a payment application selection instruction to the security unit, and the security unit generates selection response information according to the payment application selection instruction and sends the selection response information to the near field communication controller, so that the near field communication controller sends the selection response information to the receiving terminal.

In some embodiments of the present invention, different payment applications may be installed in the security unit, and the invoked target payment application may be determined according to the AID, and specifically, the security unit generates selection response information according to the payment application selection instruction, including:

In response to the payment application identification in the payment application selection instruction being consistent with the payment application identification of the payment application installed in the secure element, the secure element invokes the payment application corresponding to the payment application identification to generate selection response information. The operation to which the security unit in the embodiments of the present invention is responsive includes the step of determining.

For example, when the security unit is provided with a digital currency payment application (corresponding AID is F001002003), an A bank account payment application (corresponding AID is F001002007) and a B bank account payment reference (corresponding AID is F001002008), and when the AID in the payment application selection instruction is F001002003, the security unit judges that the AID in the payment application selection instruction is consistent with the AID of the digital currency payment application installed in the security unit, and the security unit calls the digital currency payment application to generate selection response information, wherein the selection response information comprises information of successful response; when the AID in the payment application selection instruction is F001002009, the security unit judges that the AID in the payment application selection instruction is inconsistent with the AID of the application installed in the security unit, and the security unit generates information of response failure.

S240: the near field communication controller receives a transaction instruction sent by the acceptance terminal and sends the transaction instruction to the receiving target, wherein the transaction instruction is generated after the acceptance terminal verifies the selection response information. The transaction instruction in the embodiment of the invention comprises transaction amount, payee wallet identification and other information.

In the embodiment of the invention, when the response information is verified to be successful by the receiving terminal, a transaction instruction is sent, and if the response information is failed to be answered, the receiving terminal terminates the transaction.

In the embodiment of the invention, the transmission path for the response instruction is consistent with the transmission instruction for the transaction instruction, so that the integrity of the transaction is ensured.

In some embodiments of the present invention, when the receiving target is the host-based card simulation application and the security unit, the near field communication controller obtains the transaction instruction sent by the receiving terminal, sends the transaction instruction to the host-based card simulation application, and the host-based card simulation application performs the transaction processing according to the transaction instruction, and sends the transaction instruction after the transaction processing to the security unit.

Aiming at some large-amount transactions or transactions needing identity verification, the embodiment of the invention can realize the verification processing by using the card simulation application based on the host, thereby ensuring the security of the transactions. According to the method, a user can set a core processing principle of the host-based card simulation application, a secret limit can be avoided, when the transaction amount is smaller than the limit, the core is not needed after the host-based card simulation application is judged, a transaction instruction is sent to a security unit for processing, when the transaction amount is larger than the limit, the core is needed after the host-based card simulation application is judged, the host-based card simulation application receives identity verification information input by the user through an interaction interface, for example, a payment password, a mobile phone verification code or fingerprint verification result information is received for verification, after verification is passed, the core mark is added in the transaction instruction by the host-based card simulation application, and the subsequent security unit carries out corresponding processing according to the core mark.

In some embodiments of the present invention, as shown in fig. 4, the host-based card simulation application performs a transaction process according to a transaction instruction, and sends the transaction instruction after the transaction process to the security unit, including:

S241: the card simulation application verification transaction instruction based on the host needs to carry out verification processing to verify the verification information input by the user.

S242: and in response to the verification of the nuclear body information passing, adding a nuclear body mark in the transaction instruction and sending the transaction instruction to the security unit.

S243: and in response to the verification of the nuclear body information not passing, sending transaction failure information to the acceptance terminal through the near field communication controller so as to enable the acceptance terminal to terminate the transaction.

S244: the card simulation application based on the host computer verifies that the transaction instruction does not need to be subjected to body checking, adds an uncore mark in the transaction instruction and sends the transaction instruction to the security unit.

The operation to which the host-based card simulation application in the embodiments of the present invention responds includes the step of determining.

The host-based card simulation application in the embodiment of the invention carries out the verification according to the business rule or the rule set by the user so as to ensure the transaction security, and returns the information of the transaction failure to the acceptance terminal when the verification fails.

In some embodiments of the present invention, when the receiving target is a security unit, the near field communication controller receives a transaction instruction sent by the receiving terminal, and sends the transaction instruction to the receiving target, including: the near field communication controller acquires a transaction instruction sent by the acceptance terminal and sends the transaction instruction to the security unit.

In some embodiments of the present invention, when the receiving target is a secure element, the near field communication controller sends the transaction instruction to the secure element according to the AID routing table, and the secure element processes the transaction instruction.

S250: the receiving target generates a transaction ciphertext according to the transaction instruction, and sends the transaction ciphertext to the receiving terminal through the near field communication controller, so that the receiving terminal sends the transaction ciphertext to the digital currency background system, the digital currency background system verifies the transaction ciphertext, then executes the digital currency transaction corresponding to the transaction ciphertext type, and sends a transaction result to the receiving terminal. The plaintext corresponding to the transaction ciphertext in the embodiment of the invention comprises the transaction amount, the transaction ciphertext type, the payer wallet identification, the payee wallet identification and other information.

In some embodiments of the present invention, when the receiving target is a host-based card simulation application and a security unit, the receiving target generates a transaction cryptogram according to a transaction instruction, and sends the transaction cryptogram to the receiving terminal through the near field communication controller, including:

In some embodiments of the present invention, when the receiving target is a security unit, the receiving target generates a transaction ciphertext according to a transaction instruction, and sends the transaction ciphertext to the receiving terminal through the near field communication controller, including:

In some embodiments of the present invention, when the security unit generates the transaction ciphertext, the security unit may also correspondingly set a type of the transaction ciphertext according to the core tag in the transaction instruction.

In some embodiments of the invention, the security element marks the transaction cryptogram as a type of verified body based on the verified body marking. The security unit marks the transaction ciphertext as uncore according to the uncore mark. The digital currency background system in the embodiment of the invention correspondingly executes the digital currency transaction according to the type of the transaction ciphertext, for example, when the transaction amount is larger than the limit, the transaction needs to be verified, but the corresponding type of the transaction ciphertext is uncore, the transaction fails, or the user is prompted to supplement and input verification information to verify the identity of the user; when the transaction amount is less than the limit, the digital currency background system verifies that the transaction ciphertext is uncore, and pays the digital currency to the payee wallet according to the payer wallet identification in the transaction ciphertext.

In some embodiments of the present invention, a plurality of payment applications are installed in the security unit, and in order to ensure the accuracy of the transaction, the security unit determines a target payment application according to the payment application identification AID, and performs transaction instruction processing. Specifically, the security unit generates a transaction ciphertext according to a transaction instruction, including: the security unit invokes a payment application corresponding to the payment application identifier and generates a transaction cryptogram according to the transaction instruction.

In some of the present invention, the digital money backend system includes a system or a server of an operation mechanism corresponding to the wallet of the payer, and a system or a server of an operation mechanism corresponding to the wallet of the payee, in order to facilitate information intercommunication of multiple operation mechanisms, in some embodiments, the digital money backend system further includes an interconnection system or a server that communicates with the system or the server corresponding to each operation mechanism. In some transaction scenarios, the payee wallet and the payer wallet belong to the same digital currency operation mechanism, and then the digital currency transaction is performed in the server of the same digital currency operation mechanism, and the server or system of the digital currency operation mechanism of the transaction performs the transfer of digital currency; in other transaction scenarios, if the payee wallet and the payer wallet do not belong to the same digital currency operation mechanism, the transaction is performed between the server or system of the payee operation mechanism, the server or system of the payer operation mechanism and the interconnection server or system, for example, after the acceptance terminal sends the transaction ciphertext to the server or system of the payee operation mechanism, the operation mechanism corresponding to the payer wallet is determined according to the identification of the payer wallet, then the transaction request is sent to the operation mechanism corresponding to the payer wallet through the interconnection system or server, the server or system of the operation mechanism corresponding to the payer wallet deducts the digital currency corresponding to the transaction amount from the payer wallet, and meanwhile, the operation mechanism of the payee wallet adds the digital currency corresponding to the transaction amount in the payee wallet. In some embodiments of the invention, the payer wallet identification may be associated with a parent wallet account, and the digital currency may be deducted from the parent wallet account when deducted, the payer wallet operator identifying the parent wallet account for the deduction by the payer wallet associated identification.

The digital currency transaction method in the embodiment of the invention can realize different levels of security verification mechanisms according to different transaction requirements and transaction business rules, can provide a secret-free quick payment mode and a payment mode with a security check mechanism, has a short transaction flow, can ensure security, and can provide a user with convenient and quick experience.

The digital money transaction method in the embodiment of the invention is described below from the user checking transaction flow, the activated state non-inductive payment transaction flow and the non-inductive payment transaction flow in the non-activated state respectively.

As shown in fig. 5, the digital money transaction method according to some embodiments of the present invention is implemented in the system 600 in the figure, the HCE application 611 is a client App supporting digital money using HCE services installed on the intelligent terminal 610, and provides a UI interaction interface for a user, checking whether the user needs to check his/her identity, verify his/her identity, and obtain the user's authorization for the transaction, and the AID registered in the NFC controller is an in-SE wallet application AID.

The NFC controller 612 is a module on the intelligent terminal 610 that provides NFC functionality and is responsible for receiving and sending non-communication data, and AID routing table registration and distribution.

SE613 is a security unit on intelligent terminal 610, and comprises SWP-SIM, SWP-SD, eSE, etc., and is provided with user wallet application (uniquely identified by AID), wallet key and user personal data are stored, and transaction ciphertext is generated by securely encrypting transaction data.

The receiving terminal 620 is a receiving device supporting NFC reader mode communication, and includes receiving devices such as a merchant POS and a personal POS.

The digital currency background system 630 is a background system supporting a digital currency mobile payment function, and comprises a background system of a payment receiving and paying operation mechanism, a background system of a central row interconnection and intercommunication system and the like, and supports the digital currency transaction of the mechanism and a cross-mechanism.

As shown in fig. 6, the digital money transaction method according to some embodiments of the present invention is divided into a transaction initialization process and a transaction processing process when performing a user's transaction. The specific steps are as follows.

The first stage is the transaction initialization process:

s310: and the acceptance terminal uses an NFC card reader mode to send an AID selecting instruction, wherein the AID is wallet application AID.

S320: the user approaches the intelligent terminal to the acceptance terminal, the NFC controller receives the selection instruction, selects an APDU instruction receiving target as an HCE application according to the AID routing table and the activation state of the intelligent terminal system, and transmits the selection instruction to the HCE application (the HCE application is provided with a UI interface, and the execution condition of the HCE application requires the intelligent terminal system to be in the activation state).

S330: the HCE application transmits the selection instruction to the wallet application in the SE, and acquires the returned selection response and transmits the returned selection response to the NFC controller.

S340: the NFC controller transmits the received selection instruction response data to the receiving terminal.

The second stage is the transaction processing process:

s350: and the acceptance terminal continuously sends a transaction instruction, and the NFC controller transmits the transaction instruction to the HCE application according to a receiving target determined in the transaction initialization process after receiving the transaction instruction.

S360: the HCE application checks the business rule, determines that the user is required to check the user, invokes the UI interface of the intelligent terminal system, verifies the user identity by popup window, acquires the user authorization, and carries out different branches according to success or failure:

a) If the transaction fails, returning the transaction failure to the acceptance terminal through the NFC controller;

b) If the transaction instruction is successful, the transaction instruction is attached to the user checked mark and is transmitted to the wallet application in the SE, the wallet application returns the user checked transaction ciphertext, and the transaction ciphertext is returned to the acceptance terminal through the HCE application and the NFC controller.

S370: the acceptance terminal receives the transaction response, and if the transaction is failed, the transaction is terminated; otherwise, the transaction ciphertext is transferred to a digital currency background system;

S380: the digital currency background system carries out different quota management and risk control according to the type of the transaction ciphertext, and returns a transaction result to the acceptance terminal.

According to the embodiment of the invention, the transaction is carried out after the user is checked, so that the security of the transaction is ensured.

As shown in fig. 7, the digital money transaction method in other embodiments of the present invention is divided into a transaction initialization process and a transaction processing process when performing a non-inductive payment transaction in an activated state. The specific steps are as follows.

The first stage is the transaction initialization process:

s410: and the acceptance terminal uses an NFC card reader mode to send an AID selecting instruction, wherein the AID is wallet application AID.

S420: the user approaches the intelligent terminal to the acceptance terminal, the NFC controller receives the selection instruction, selects an APDU instruction receiving target as an HCE application according to the AID routing table and the activation state of the intelligent terminal system, and transmits the selection instruction to the HCE application (the HCE application is provided with a UI interface, and the execution condition of the HCE application requires the intelligent terminal system to be in the activation state).

S430: the HCE application transmits the selection instruction to the wallet application in the SE, and acquires the returned selection response and transmits the returned selection response to the NFC controller.

S440: the NFC controller transmits the received selection instruction response data to the receiving terminal.

The second stage is the transaction processing process:

S450: and the acceptance terminal continuously sends a transaction instruction, and the NFC controller transmits the transaction instruction to the HCE application according to a receiving target determined in the transaction initialization process after receiving the transaction instruction.

S460: the HCE application checks the business rules, determines that the user does not need to check the user, directly transmits a transaction instruction to the wallet application in the SE, returns a transaction ciphertext to the wallet application, and returns the transaction ciphertext to the acceptance terminal through the HCE application and the NFC controller.

S470: the acceptance terminal receives the transaction response, and if the transaction is failed, the transaction is terminated; otherwise, the transaction ciphertext is transferred to the digital currency backend system.

S480: the digital currency background system carries out different quota management and risk control according to the type of the transaction ciphertext, and returns a transaction result to the acceptance terminal.

According to the embodiment of the invention, verification of the transaction instruction does not need to be verified according to the business rule, thereby realizing noninductive payment and facilitating transaction.

As shown in fig. 8, the digital money transaction method in other embodiments of the present invention is divided into a transaction initialization process and a transaction processing process when performing a non-inductive payment transaction in an inactive state. The specific steps are as follows.

The first stage is the transaction initialization process:

S510: and the acceptance terminal uses an NFC card reader mode to send an AID selecting instruction, wherein the AID is wallet application AID.

S520: the user approaches the intelligent terminal to the acceptance terminal, the NFC controller receives the selection instruction, selects an APDU instruction receiving target as wallet application in the SE according to the AID routing table and the non-activated state of the intelligent terminal system, and transmits the selection instruction to the SE.

S530: the wallet application in the SE processes the selection instruction and returns a selection response to the NFC controller.

S540: the NFC controller transmits the selection instruction response data returned by the wallet application to the receiving terminal.

The second stage is the transaction processing process:

s550: and the acceptance terminal continues to send the transaction instruction, and the NFC controller transmits the transaction instruction to the SE according to the receiving target determined in the third step after receiving the transaction instruction.

S560: the wallet application in SE returns transaction cryptogram to the receiving terminal via the NFC controller.

S570: the receiving terminal receives the transaction ciphertext and transmits the transaction ciphertext to the digital currency background system.

S580: the digital currency background system carries out different quota management and risk control according to the type of the transaction ciphertext, and returns a transaction result to the acceptance terminal.

The digital currency transaction method in the embodiment of the invention supports the noninductive payment under the unactivated state of the user terminal, and the transaction is convenient.

FIG. 9 illustrates an exemplary system architecture 900 to which the digital money transaction method or digital money transaction implementing device of embodiments of the invention may be applied.

As shown in fig. 9, system architecture 900 may include terminal devices 901, 902, 903, a network 904, and a server 905. The network 904 is the medium used to provide communications links between the terminal devices 901, 902, 903 and the server 905. The network 904 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 905 over the network 904 using the terminal devices 901, 902, 903 to receive or send messages, etc. Various communication client applications may be installed on the terminal devices 901, 902, 903, such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, and the like (by way of example only).

Terminal devices 901, 902, 903 may be a variety of electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 905 may be a server that provides various services, such as a background management server (by way of example only) that provides support for shopping-type websites browsed by users using terminal devices 901, 902, 903. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.

It should be noted that, the digital money transaction method provided in the embodiment of the present invention is generally executed by the server 905, and accordingly, the digital money transaction implementing device is generally disposed in the server 905.

It should be understood that the number of terminal devices, networks and servers in fig. 9 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 10, there is illustrated a schematic diagram of a computer system 1000 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present invention in which the method or apparatus for implementing the method may be implemented on computer system 1000. The terminal device or server shown in fig. 10 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present invention.

As shown in fig. 10, the computer system 1000 includes a Central Processing Unit (CPU) 1001, which can execute various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 1002 or a program loaded from a storage section 1008 into a Random Access Memory (RAM) 1003. In the RAM 1003, various programs and data required for the operation of the system 1000 are also stored. The CPU 1001, ROM 1002, and RAM 1003 are connected to each other by a bus 1004. An input/output (I/O) interface 1005 is also connected to bus 1004.

The following components are connected to the I/O interface 1005: an input section 1006 including a keyboard, a mouse, and the like; an output portion 1007 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), etc., and a speaker, etc.; a storage portion 1008 including a hard disk or the like; and a communication section 1009 including a network interface card such as a LAN card, a modem, or the like. The communication section 1009 performs communication processing via a network such as the internet. The drive 1010 is also connected to the I/O interface 1005 as needed. A removable medium 1011, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is installed as needed in the drive 1010, so that a computer program read out therefrom is installed as needed in the storage section 1008.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication portion 1009, and/or installed from the removable medium 1011. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 1001.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, however, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, with the computer-readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination of the foregoing. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units or modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described units or modules may also be provided in a processor, for example, as: a processor includes a transmitting unit (or "module"), an acquiring unit, a determining unit, and a first processing unit. The names of these units or modules do not in some cases limit the units or modules themselves, and for example, the transmitting unit may also be described as "a unit that transmits a picture acquisition request to a connected server".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs, and when the one or more programs are executed by the device, the device controls the near field communication controller to acquire a payment application selection instruction sent by the acceptance terminal, wherein the payment application selection instruction comprises a payment application identifier; controlling a near field communication notification period to respond to the fact that a payment application identifier in a payment application selection instruction is consistent with a payment application identifier stored in a near field communication controller, and determining a receiving target of the payment application selection instruction by the near field communication controller according to the payment application selection instruction and a system activation state of an intelligent terminal, wherein the receiving target is a security unit or a card simulation application and a security unit based on a host; the near field communication controller is controlled to send a payment application selection instruction to a receiving target, the receiving target generates selection response information according to the payment application selection instruction, and the selection response information is sent to the acceptance terminal through the near field communication controller; the near field communication controller is controlled to receive a transaction instruction sent by the acceptance terminal and send the transaction instruction to the receiving target, wherein the transaction instruction is generated after the acceptance terminal verifies the selection response information; the control receiving target generates a transaction ciphertext according to the transaction instruction, and sends the transaction ciphertext to the receiving terminal through the near field communication controller, so that the receiving terminal sends the transaction ciphertext to the digital currency background system, the digital currency background system verifies the transaction ciphertext, then executes digital currency transaction corresponding to the transaction ciphertext type, and sends a transaction result to the receiving terminal.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims

1. A digital money transaction method, characterized by being applied to an intelligent terminal in which a near field communication controller, a security unit and a host-based card simulation application are provided, the method comprising:

The near field communication controller responds to the fact that the payment application identifier in the payment application selection instruction is consistent with the payment application identifier stored by the near field communication controller, and determines a receiving target of the payment application selection instruction according to the payment application selection instruction and the system activation state of the intelligent terminal, wherein the receiving target is the security unit or a card simulation application based on a host and the security unit;

The near field communication controller sends the payment application selection instruction to the receiving target, and the receiving target performs digital currency transaction processing.

2. The method of claim 1, wherein the receiving the target for digital money transaction processing comprises:

the receiving target generates selection response information according to the payment application selection instruction and sends the selection response information to the receiving terminal through the near field communication controller;

the near field communication controller receives a transaction instruction sent by an acceptance terminal and sends the transaction instruction to the receiving target, wherein the transaction instruction is generated after the acceptance terminal verifies the selection response information;

the receiving target generates a transaction ciphertext according to the transaction instruction, and sends the transaction ciphertext to the receiving terminal through the near field communication controller, so that the receiving terminal sends the transaction ciphertext to a digital currency background system, and the digital currency background system executes digital currency transaction corresponding to the transaction ciphertext type after verifying the transaction ciphertext, and sends a transaction result to the receiving terminal.

3. The method according to claim 2, wherein when the receiving target is a host-based card emulation application and the secure unit, the near field communication controller transmits the payment application selection instruction to the receiving target, the receiving target generates selection response information according to the payment application selection instruction, and transmits the selection response information to an accepting terminal through the near field communication controller, comprising:

The near field communication controller sends the payment application selection instruction to the host-based card simulation application so that the host-based card simulation application forwards the payment application selection instruction to the security unit, the security unit generates selection response information according to the payment application selection instruction and sends the selection response information to the host-based card simulation application so that the host-based card simulation application sends the selection response information to the acceptance terminal through the near field communication controller;

the near field communication controller receives a transaction instruction sent by a receiving terminal, and sends the transaction instruction to the receiving target, and the near field communication controller comprises:

The near field communication controller acquires a transaction instruction sent by an acceptance terminal, sends the transaction instruction to the host-based card simulation application, and the host-based card simulation application performs body checking according to the transaction instruction and sends the transaction instruction after body checking to the security unit;

the receiving target generates a transaction ciphertext according to the transaction instruction and sends the transaction ciphertext to the receiving terminal through the near field communication controller, and the receiving target comprises:

the security unit generates a transaction ciphertext according to the transaction instruction, marks the type of the transaction ciphertext according to a nuclear processing result, and sends the transaction ciphertext to the host-based card simulation application so that the host-based card simulation application sends the transaction ciphertext to the acceptance terminal through the near field communication controller.

4. The method according to claim 2, wherein when the receiving target is the secure unit, the near field communication controller transmits the payment application selection instruction to the receiving target, the receiving target generates selection response information according to the payment application selection instruction, and transmits the selection response information to an accepting terminal through the near field communication controller, comprising:

The near field communication controller sends the payment application selection instruction to the safety unit, the safety unit generates selection response information according to the payment application selection instruction, and sends the selection response information to the near field communication controller so that the near field communication controller sends the selection response information to the acceptance terminal;

the near field communication controller acquires a transaction instruction sent by the acceptance terminal and sends the transaction instruction to the safety unit;

the security unit generates a transaction ciphertext according to the transaction instruction, marks that the type of the transaction ciphertext is uncore, and sends the transaction ciphertext to the near field communication controller so that the near field communication controller sends the transaction ciphertext to the acceptance terminal.

5. A method according to claim 3, wherein the host-based card emulation application performs a transaction based on the transaction instruction, and wherein transmitting the transaction instruction after the transaction to the secure element comprises:

The card simulation application based on the host verifies that the transaction instruction needs to be subjected to the verification processing, and verifies the verification information input by the user;

In response to the verification of the transaction information being passed, adding a verified mark in the transaction instruction and sending the transaction instruction to the security unit;

The security unit marks the type of the transaction ciphertext according to the nuclear body processing result, and the security unit comprises:

and the security unit marks the transaction ciphertext as the checked body according to the checked body mark.

6. The method of claim 5, wherein the host-based card emulation application performs a transaction based on the transaction instructions, and wherein the transaction instructions after the transaction are sent to the secure element, further comprising:

7. A method according to claim 3, wherein the host-based card emulation application performs a transaction based on the transaction instruction, and wherein transmitting the transaction instruction after the transaction to the secure element comprises:

the host-based card simulation application verifies that the transaction instruction does not need to be subjected to body checking, adds an uncore mark in the transaction instruction and sends the transaction instruction to the security unit;

and the security unit marks the transaction ciphertext as uncore according to the uncore mark.

8. The method according to claim 1, wherein the near field communication controller determines a receiving target of the payment application selection instruction according to the payment application selection instruction and a system activation state of the intelligent terminal, comprising:

Responding to the system activation state of the intelligent terminal as inactive, and installing a payment application corresponding to a payment application identifier in the security unit, and determining that the receiving target of the payment application selection instruction is the security unit;

9. A method according to claim 3 or 4, wherein the secure element generates selection response information in accordance with the payment application selection instruction, comprising:

And in response to the payment application identification in the payment application selection instruction being consistent with the payment application identification of the payment application installed in the security unit, the security unit invokes the payment application corresponding to the payment application identification to generate the selection response information.

10. The method according to claim 3 or 4, wherein the secure element generates a transaction ciphertext from the transaction instructions, comprising:

and the security unit invokes a payment application corresponding to the payment application identifier, and generates a transaction ciphertext according to the transaction instruction.

11. A digital money transaction terminal is characterized by comprising a near field communication controller, a security unit and a host-based card simulation application device, wherein,

The near field communication controller is configured to determine a receiving target of the payment application selection instruction according to the payment application selection instruction and a system activation state of the intelligent terminal in response to the payment application identification in the payment application selection instruction being consistent with the payment application identification stored by the near field communication controller, wherein the receiving target is the security unit or a host-based card simulation application and the security unit;

the near field communication controller is configured to send the payment application selection instruction to the receiving target, the receiving target configured to conduct digital money transaction processing.

12. An electronic device, comprising:

one or more processors;

Storage means for storing one or more programs,

When executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-10.

13. A computer readable medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 1-10.