CN112419062A - NFC digital currency transaction method and system - Google Patents
NFC digital currency transaction method and system Download PDFInfo
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Abstract
The invention discloses a NFC digital currency transaction method and a system, wherein the method comprises the following steps: acquiring digital currency to-be-transacted information based on an NFC card; obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card; and executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode. The embodiment of the invention can ensure that the digital currency transaction is safer and more efficient through the NFC digital currency transaction method.
Description
Technical Field
The invention relates to the technical field of communication, in particular to an NFC digital currency transaction method and system.
Background
Devices in the existing digital currency transaction system, such as cold purses and other similar transaction tools, basically communicate with a terminal in a USB (universal serial bus), Bluetooth or WIFI (wireless fidelity) mode to complete transactions, and the devices need hardware connection or wireless matching or need a built-in battery to complete transactions, so that the convenience of the use of the devices is affected, the application scenes of the devices are limited, and the problem of cruising ability needs to be considered.
Thus, there is still a need for improvement and development of the prior art.
Disclosure of Invention
The technical problem to be solved by the present invention is to provide an NFC digital currency transaction method, aiming at solving the problems of potential transaction safety hazard and low transaction efficiency of the digital currency transaction method in the prior art.
The technical scheme adopted by the invention for solving the problems is as follows:
in a first aspect, an embodiment of the present invention provides an NFC digital currency transaction method, where the method includes:
acquiring digital currency to-be-transacted information based on an NFC card;
obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card;
and executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode.
In one implementation, the acquiring the digital currency to be transacted information based on the NFC card includes:
acquiring digital currency to-be-transacted information based on an NFC card sent by a user terminal;
and acquiring the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal.
In one implementation, the obtaining the NFC digital currency transaction mode according to the information to be transacted by the digital currency based on the NFC card includes:
when the information to be transacted of the digital currency based on the NFC card sent by the user terminal is acquired, the transaction mode of the NFC digital currency is active transaction;
and when the information to be transacted based on the digital currency of the NFC card sent by the acceptance terminal is acquired, the NFC digital currency transaction mode is passive transaction.
In one implementation, the executing, according to the NFC digital currency transaction manner, a transaction operation corresponding to the NFC digital currency transaction manner includes:
when the NFC digital currency transaction mode is active transaction, adopting account information bound with the user terminal to sign and authenticate the NFC digital currency transaction to obtain active transaction signature authentication information;
and sending the active transaction signature authentication information to a block chain to execute transaction operation corresponding to the active transaction.
In one implementation, the executing, according to the NFC digital currency transaction manner, a transaction operation corresponding to the NFC digital currency transaction manner further includes:
when the NFC digital currency transaction mode is passive transaction, judging whether the acceptance terminal is an affirmation-free transaction acceptance terminal;
when the acceptance terminal is the confirmation-free transaction acceptance terminal, the NFC digital currency transaction is signed and authenticated by the fingerprint module through a hardware signature algorithm to obtain first passive transaction signature authentication information;
and sending the first passive transaction signature authentication information to a blockchain to execute transaction operation corresponding to the passive transaction.
In one implementation, the executing, according to the NFC digital currency transaction manner, a transaction operation corresponding to the NFC digital currency transaction manner further includes:
when the acceptance terminal is not the confirmation-free transaction acceptance terminal, receiving the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal and determining whether the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal is illegal NFC digital currency transaction;
and when the information to be transacted of the digital currency based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction, the NFC digital currency transaction is cancelled.
In one implementation, the executing, according to the NFC digital currency transaction manner, a transaction operation corresponding to the NFC digital currency transaction manner further includes:
when the information to be transacted of the digital currency based on the NFC card sent by the acceptance terminal is determined not to be illegal NFC digital currency transaction, the NFC digital currency transaction is authenticated by adopting the account information signature bound with the user terminal to obtain second passive transaction signature authentication information;
and sending the second passive transaction signature authentication information to a blockchain to execute transaction operation corresponding to the passive transaction.
In a second aspect, an embodiment of the present invention further provides an NFC digital currency transaction system, where the system includes a server, a terminal device, and an NFC card;
the NFC card comprises an NFC module, a fingerprint module, an encrypted main control chip and a storage chip and is used for swiping a card at an acceptance terminal or a user terminal to realize NFC digital currency transaction;
the terminal equipment comprises a user terminal and an acceptance terminal and is used for acquiring a digital currency transaction value by swiping a card through an NFC card;
the server includes: the NFC digital currency information to be transacted acquisition module is used for acquiring digital currency information to be transacted based on an NFC card;
the NFC digital currency transaction mode acquisition module is used for acquiring an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card;
and the NFC digital currency transaction execution module is used for executing transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode.
In a third aspect, an embodiment of the present invention further provides a server, including a memory, and one or more programs, where the one or more programs are stored in the memory, and configured to be executed by the one or more processors includes a processor configured to execute the NFC digital currency transaction method according to any one of the above aspects.
In a fourth aspect, embodiments of the present invention also provide a non-transitory computer-readable storage medium, wherein instructions, when executed by a processor of an electronic device, enable the electronic device to perform the NFC digital currency transaction method as described in any one of the above.
The invention has the beneficial effects that: the embodiment of the invention firstly obtains the information to be transacted of the digital currency based on the NFC card; then obtaining an NFC digital currency transaction mode according to the information to be transacted of the digital currency based on the NFC card; finally, according to the NFC digital currency transaction mode, executing transaction operation corresponding to the NFC digital currency transaction mode; therefore, the embodiment of the invention can ensure that the digital currency transaction is safer and more efficient by the NFC digital currency transaction method.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the present invention, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.
FIG. 1 is a flow chart of a method for providing NFC digital currency transaction according to an embodiment of the present invention
Fig. 2 is a schematic block diagram of an NFC digital currency transaction system according to an embodiment of the present invention.
Fig. 3 is a schematic block diagram of an internal structure of a server according to an embodiment of the present invention.
Detailed Description
The invention discloses an NFC digital currency transaction method, a server and a storage medium, and in order to make the purpose, technical scheme and effect of the invention clearer and clearer, the invention is further described in detail below by referring to the attached drawings and embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not intended to limit the invention.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. It will be understood that when an element is referred to as being "connected" or "coupled" to another element, it can be directly connected or coupled to the other element or intervening elements may also be present. Further, "connected" or "coupled" as used herein may include wirelessly connected or wirelessly coupled. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
It will be understood by those skilled in the art that, unless otherwise defined, all terms (including technical and scientific terms) used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. It will be further understood that terms, such as those defined in commonly used dictionaries, should be interpreted as having a meaning that is consistent with their meaning in the context of the prior art and will not be interpreted in an idealized or overly formal sense unless expressly so defined herein.
In the prior art, devices in the existing digital currency transaction system, such as a cold wallet and other similar transaction tools, basically communicate with a terminal in a USB (universal serial bus), Bluetooth or WIFI (wireless fidelity) mode to complete transactions, such devices need hardware connection or wireless matching or need a built-in battery to complete transactions, so that the convenience of the use of the devices is influenced, the application scenarios are limited, and the problem of cruising ability needs to be considered.
In order to solve the problems of the prior art, the embodiment provides an NFC digital currency transaction method, first, a server obtains digital currency to-be-transacted information based on an NFC card, and there are two ways, the first way is that a user can perform APP code scanning through a user terminal, or input an address of the other party at the user terminal, or select a transaction address stored in the past, and initiate a transaction, and generate digital currency to-be-transacted information based on the NFC card at the user terminal; secondly, a user swipes an acceptance terminal by using an NFC card, the acceptance terminal generates and pushes a transaction to a server, digital currency to-be-transacted information of the acceptance terminal based on the NFC card is generated, after the digital currency to-be-transacted information of the user terminal based on the NFC card and the digital currency to-be-transacted information of the acceptance terminal based on the NFC card are obtained, an NFC digital currency transaction mode, an active transaction mode and a passive transaction mode can be obtained, and finally, transaction operation corresponding to the active transaction mode is executed according to the active transaction mode; and executing the transaction operation corresponding to the passive transaction mode according to the passive transaction mode. The embodiment of the invention can ensure that the digital currency transaction is safer and more efficient through the NFC digital currency transaction method.
Illustrate by way of example
At present, the age of cashless payment is entered, but the old people in the family are refused to pay by using paper money when buying vegetables or setting up the family, on one hand, the old people cannot be skilled in using intelligent terminals such as mobile phones, on the other hand, the old people cannot trust virtual payment. In order to solve the payment dilemma of the old, the embodiment of the invention provides an NFC digital currency transaction method, which can solve the above problems. The old and children at home can log in accounts by authentication at the server end in advance, a certain shopping mall is set as a trusted consumption address, and setting the information such as the single transaction amount and the transaction frequency matched with the shopping mall, updating the information into the NFC card, therefore, the old people can consume in the shopping mall only by carrying the NFC card in the embodiment of the invention without carrying cash, and can successfully carry out the transaction by the fingerprint confirmation transaction signed and authenticated by adopting a hardware signature algorithm in the fingerprint module, thereby avoiding the condition that the old people carry cash payment to be refused and avoiding the inconvenience of using a mobile phone for payment, and children and old people can pay attention to the consumption condition of the NFC card through the application of the digital currency system of the user terminal equipment, the old can carry out real-time account checking with its children through modes such as phone, improve the credit degree of old to this transaction payment.
Exemplary method
The embodiment provides an NFC digital currency transaction method which can be applied to a communication intelligent terminal. As shown in fig. 1 in detail, the method includes:
s100, acquiring digital currency to-be-transacted information based on an NFC card;
specifically, the server acquires digital currency to-be-transacted information based on the NFC card, and has two modes, wherein the first mode is that a user can start transaction by scanning an APP code through a user terminal, inputting an address of the other party at the user terminal, or selecting a transaction address saved in the past and the like, and the digital currency to-be-transacted information based on the NFC card at the user terminal is generated; secondly, the user uses the NFC card to swipe the acceptance terminal, the acceptance terminal generates and pushes the transaction to the server, and the acceptance terminal generates the information to be transacted based on the digital currency of the NFC card.
In order to realize the NFC digital currency transaction, the acquiring of the digital currency information to be transacted based on the NFC card comprises the following steps:
step S101, acquiring digital currency to-be-transacted information based on an NFC card and sent by a user terminal;
and step S102, acquiring the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal.
Specifically, the information to be transacted based on the digital currency of the NFC card is sent from the terminal device, and the terminal device includes the user terminal and the acceptance terminal, so the information to be transacted based on the digital currency of the NFC card sent by the user terminal and the information to be transacted based on the digital currency of the NFC card sent by the acceptance terminal are obtained first. In this embodiment, the terminal device may be a mobile phone, a gate, a POS, or the like, the digital currency system application is loaded on the terminal device, and the terminal device is connected to the server. The terminal equipment is mainly responsible for generating digital currency to-be-transacted information based on the NFC card and broadcasting signature information to the block chain.
The embodiment provides an NFC digital currency transaction method which can be applied to a communication intelligent terminal. As shown in fig. 1 in detail, the method includes:
step S200, obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card;
in practice, the NFC digital currency transaction mode is related to the acquired information to be transacted based on the digital currency of the NFC card, and can be obtained after the server acquires the information to be transacted based on the digital currency of the NFC card sent by the user terminal and the information to be transacted based on the digital currency of the NFC card sent by the acceptance terminal.
In order to obtain a specific NFC digital currency transaction mode, obtaining an NFC digital currency transaction mode according to the information to be transacted based on the digital currency of the NFC card includes:
step S201, when the information to be transacted of the digital currency based on the NFC card sent by the user terminal is acquired, the transaction mode of the NFC digital currency is active transaction;
step S202, when the information to be transacted based on the NFC card and sent by the acceptance terminal is acquired, the NFC digital currency transaction mode is passive transaction.
In this embodiment, when the information to be transacted based on the digital currency of the NFC card sent by the user terminal is acquired, that is, the user may initiate a transaction by scanning the APP with the user terminal, inputting an address of the other party at the user terminal, or selecting a transaction address saved in the past, where the transaction mode of the NFC digital currency is an active transaction; when the information to be transacted of the digital currency based on the NFC card sent by the acceptance terminal is acquired, namely, the acceptance terminal is used by a user to swipe the acceptance terminal through the NFC card, and the transaction is generated and pushed to the server by the acceptance terminal, at this time, the NFC digital currency transaction mode is passive transaction.
The embodiment provides an NFC digital currency transaction method which can be applied to a communication intelligent terminal. As shown in fig. 1 in detail, the method includes:
and step S300, executing transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode.
In practice, when the server acquires an active transaction mode and a passive transaction mode, executing transaction operation corresponding to the active transaction mode according to the active transaction mode; and executing the transaction operation corresponding to the passive transaction mode according to the passive transaction mode. In this embodiment, because the digital currency system application is installed on the terminal device, the NFC card has a unique card number, and the digital currency system application account can bind the NFC card through the unique card number, after the server obtains the active transaction mode and the passive transaction mode, the server can log in the account at the terminal to manage the digital currency wallet, and through fingerprint authentication of the card, the digital currency wallet used by the NFC card can be changed, and the transaction function can be flexibly configured, such as how much digital currency is transferred to the card, the upper limit of the amount of money consumed each time, the number of times of consumption each day, and the like, and the NFC card transaction can only be performed on the smart terminal logged in the bound account, otherwise, only the pre-set non-confirmation transaction function can be performed, and through the bidirectional authentication method, the operation safety is ensured. In one implementation, when the confirmation-free transaction function is used, real-time fingerprints can be used for identification, and a lawbreaker is prevented from stealing the fingerprint of a user to swipe the card through an illegal means.
In order to obtain a transaction operation result, the executing of the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode includes the following steps:
step S301, when the NFC digital currency transaction mode is active transaction, adopting account information bound with a user terminal to sign and authenticate the NFC digital currency transaction to obtain active transaction signature authentication information;
step S302, the active transaction signature authentication information is sent to a block chain so as to execute transaction operation corresponding to the active transaction.
Specifically, when the server acquires that the NFC digital currency transaction mode is an active transaction, the server adopts the account information signature bound to the user terminal to authenticate the NFC digital currency transaction, for example: when the server acquires that the user terminal initiates a transaction in a mode of scanning a code through an APP (application), inputting an address of the other party, selecting a transaction address saved in the past and the like, because the NFC card is bound by the application account of the digital currency system through a unique card number, logging in the application account of the digital currency system through verifying the card number and the password information of the NFC card can pass through the unique card number, binding the NFC card, and obtaining active transaction signature authentication information after passing authentication. On the other hand, the blockchain is a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, a consensus mechanism, an encryption algorithm and the like. The block chain (Blockchain) is a decentralized database, is used as a bottom-layer technology of the bitcoin, and is a series of data blocks which are generated by correlation by using a cryptographic method, and each data block contains information of a batch of bitcoin network transactions, and is used for verifying the validity (anti-counterfeiting) of the information and generating a next block. Therefore, in order to ensure the security of the current transaction, the active transaction signature authentication information is sent to a block chain to execute the transaction operation corresponding to the active transaction.
In addition, the executing of the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode further includes the following operations: when the NFC digital currency transaction mode is passive transaction, judging whether the acceptance terminal is an affirmation-free transaction acceptance terminal; when the acceptance terminal is the confirmation-free transaction acceptance terminal, the NFC digital currency transaction is signed and authenticated by the fingerprint module through a hardware signature algorithm to obtain first passive transaction signature authentication information; and sending the first passive transaction signature authentication information to a blockchain to execute transaction operation corresponding to the passive transaction.
In this embodiment, when the NFC digital currency transaction mode is a passive transaction, the user uses the NFC card to swipe the acceptance terminal, and the acceptance terminal generates and pushes the transaction, and then needs to determine whether the acceptance terminal is the confirmation-free transaction acceptance terminal; when the transaction acceptance terminal is the confirmation-free transaction acceptance terminal, the user can increase the security of the transaction by swiping the fingerprint of the user in the fingerprint module, wherein the fingerprint can be a real-time fingerprint; and adopting a hardware signature algorithm to sign and authenticate NFC digital currency transaction to obtain first passive transaction signature authentication information, and sending the first passive transaction signature authentication information to a block chain based on the safety and anti-counterfeiting performance of the block chain so as to execute transaction operation corresponding to the passive transaction.
The executing of the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode further comprises the following operations: when the acceptance terminal is not the confirmation-free transaction acceptance terminal, receiving the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal and determining whether the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal is illegal NFC digital currency transaction; and when the information to be transacted of the digital currency based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction, the NFC digital currency transaction is cancelled.
In practice, when the acceptance terminal is not the confirmation-exempt transaction acceptance terminal, receiving the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal and determining whether the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal is an illegal NFC digital currency transaction, that is, whether the digital currency to-be-transacted information based on the NFC card sent by the other party is a trusted acceptance terminal or not, and whether the acceptance terminal is subjected to NFC swiping by another person in a fake name substitution mode or not, at this time, if it is determined that the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal is an illegal NFC digital currency transaction, the transaction is cancelled, and the security of the digital currency in the NFC card is ensured. If the information to be transacted of the digital currency sent by the acceptance terminal based on the NFC card is determined not to be illegal NFC digital currency transaction, the NFC digital currency transaction is authenticated by adopting the account number information signature bound with the user terminal, if the children and the girls determine that the old people at home consume at the acceptance terminal in a communication mode, the account number password bound with the NFC card bound with the user terminal is logged in, second passive transaction signature authentication information is obtained after the account number password is passed, and the second passive transaction signature authentication information is sent to the block chain based on the safety and the anti-counterfeiting performance of the block chain so as to execute the transaction operation corresponding to the passive transaction.
Exemplary device
As shown in fig. 2, an embodiment of the present invention provides an NFC digital money transaction system, including: the NFC card comprises a server, terminal equipment and an NFC card;
the NFC card comprises an NFC module, a fingerprint module, an encrypted main control chip and a storage chip and is used for swiping a card at an acceptance terminal or a user terminal to realize NFC digital currency transaction;
the terminal equipment comprises a user terminal and an acceptance terminal and is used for acquiring the NFC digital currency transaction value through NFC card swiping;
the server comprises an NFC digital currency information to be transacted acquisition module 401, an NFC digital currency transaction mode acquisition module 402, and an NFC digital currency transaction execution module 403, wherein: an NFC digital currency information to be transacted obtaining module 401, configured to obtain digital currency information to be transacted based on an NFC card; an NFC digital currency transaction mode obtaining module 402, configured to obtain an NFC digital currency transaction mode according to the information to be transacted of the digital currency based on the NFC card; an NFC digital currency transaction executing module 403, configured to execute, according to the NFC digital currency transaction mode, a transaction operation corresponding to the NFC digital currency transaction mode.
The system comprises three parts: server, terminal equipment and NFC card, the server receives and handles the information that comes from terminal equipment and NFC card, is the main part of system, and the server includes: the system comprises an NFC digital currency to-be-transacted information acquisition module 401, an NFC digital currency transaction mode acquisition module 402 and an NFC digital currency transaction execution module 403, wherein the NFC digital currency to-be-transacted information acquisition module 401 is used for acquiring digital currency to-be-transacted information based on an NFC card, the NFC digital currency transaction mode acquisition module 402 is used for acquiring an NFC digital currency transaction mode, and the NFC digital currency transaction execution module 403 is used for acquiring and executing transaction operation corresponding to the NFC digital currency transaction mode. The system also comprises an NFC card, wherein the NFC card comprises an NFC module, a fingerprint module, an encrypted main control chip and a storage chip and is used for swiping a card at an acceptance terminal or a user terminal to realize NFC digital currency transaction; in practice, a user can locally swipe a user terminal to realize NFC digital currency transaction, a user A can swipe an acceptance terminal, NFC digital currency transaction is realized by setting a confirmation-free mode in advance, the user A can swipe the acceptance terminal, NFC digital currency transaction is realized by bound NFC card account number information signature authentication NFC digital currency, and as the transaction process passes through a block chain, the transaction safety and the anti-counterfeiting performance are guaranteed. The terminal equipment comprises a user terminal and an acceptance terminal and is used for obtaining the NFC digital currency transaction value through NFC card swiping. In one implementation, the NFC card is wirelessly connected to the server. In another implementation manner, the server is wirelessly connected with the terminal device.
Based on the above embodiment, the present invention further provides an intelligent terminal, and a schematic block diagram thereof may be as shown in fig. 3. The intelligent terminal comprises a processor, a memory, a network interface, a display screen and a temperature sensor which are connected through a system bus. Wherein, the processor of the intelligent terminal is used for providing calculation and control capability. The memory of the intelligent terminal comprises a nonvolatile storage medium and an internal memory. The non-volatile storage medium stores an operating system and a computer program. The internal memory provides an environment for the operation of an operating system and computer programs in the non-volatile storage medium. The network interface of the intelligent terminal is used for being connected and communicated with an external terminal through a network. The computer program is executed by a processor to implement an NFC digital currency transaction method. The display screen of the intelligent terminal can be a liquid crystal display screen or an electronic ink display screen, and the temperature sensor of the intelligent terminal is arranged inside the intelligent terminal in advance and used for detecting the operating temperature of internal equipment.
It will be understood by those skilled in the art that the schematic diagram in fig. 3 is only a block diagram of a part of the structure related to the solution of the present invention, and does not constitute a limitation to the intelligent terminal to which the solution of the present invention is applied, and a specific intelligent terminal may include more or less components than those shown in the figure, or combine some components, or have different arrangements of components.
In one embodiment, an intelligent terminal is provided that includes a memory, and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by the one or more processors, the one or more programs including instructions for:
acquiring digital currency to-be-transacted information based on an NFC card;
obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card;
and executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode.
It will be understood by those skilled in the art that all or part of the processes of the methods of the embodiments described above can be implemented by hardware instructions of a computer program, which can be stored in a non-volatile computer-readable storage medium, and when executed, can include the processes of the embodiments of the methods described above. Any reference to memory, storage, databases, or other media used in embodiments provided herein may include non-volatile and/or volatile memory. Non-volatile memory can include read-only memory (ROM), Programmable ROM (PROM), Electrically Programmable ROM (EPROM), Electrically Erasable Programmable ROM (EEPROM), or flash memory. Volatile memory can include Random Access Memory (RAM) or external cache memory. By way of illustration and not limitation, RAM is available in a variety of forms such as Static RAM (SRAM), Dynamic RAM (DRAM), Synchronous DRAM (SDRAM), Double Data Rate SDRAM (DDRSDRAM), Enhanced SDRAM (ESDRAM), Synchronous Link DRAM (SLDRAM), Rambus Direct RAM (RDRAM), direct bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM).
In summary, the present invention discloses an NFC digital currency transaction method, an intelligent terminal, and a storage medium, where the method includes:
acquiring digital currency to-be-transacted information based on an NFC card; obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card; and executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode. The embodiment of the invention can ensure that the digital currency transaction is safer and more efficient through the NFC digital currency transaction method.
It should be understood that the present invention discloses a method for NFC digital currency transactions, it should be understood that the application of the present invention is not limited to the above examples, and that modifications or changes may be made by those skilled in the art based on the above description, all of which shall fall within the scope of the appended claims.
Claims (10)
1. An NFC digital currency transaction method, the method comprising:
acquiring digital currency to-be-transacted information based on an NFC card;
obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card;
and executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode.
2. The NFC digital currency transaction method according to claim 1, wherein the acquiring the NFC card-based digital currency information to be transacted includes:
acquiring digital currency to-be-transacted information based on an NFC card sent by a user terminal;
and acquiring the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal.
3. The NFC digital currency transaction method according to claim 2, wherein obtaining the NFC digital currency transaction mode according to the information to be transacted based on the digital currency of the NFC card comprises:
when the information to be transacted of the digital currency based on the NFC card sent by the user terminal is acquired, the transaction mode of the NFC digital currency is active transaction;
and when the information to be transacted based on the digital currency of the NFC card sent by the acceptance terminal is acquired, the NFC digital currency transaction mode is passive transaction.
4. The NFC digital currency transaction method according to claim 3, wherein the performing of the transaction operation corresponding to the NFC digital currency transaction method according to the NFC digital currency transaction method comprises:
when the NFC digital currency transaction mode is active transaction, adopting account information bound with the user terminal to sign and authenticate the NFC digital currency transaction to obtain active transaction signature authentication information;
and sending the active transaction signature authentication information to a block chain to execute transaction operation corresponding to the active transaction.
5. The NFC digital currency transaction method according to claim 4, wherein the executing of the transaction operation corresponding to the NFC digital currency transaction method according to the NFC digital currency transaction method further comprises:
when the NFC digital currency transaction mode is passive transaction, judging whether the acceptance terminal is an affirmation-free transaction acceptance terminal;
when the acceptance terminal is the confirmation-free transaction acceptance terminal, the NFC digital currency transaction is signed and authenticated by the fingerprint module through a hardware signature algorithm to obtain first passive transaction signature authentication information;
and sending the first passive transaction signature authentication information to a blockchain to execute transaction operation corresponding to the passive transaction.
6. The NFC digital currency transaction method according to claim 5, wherein the executing of the transaction operation corresponding to the NFC digital currency transaction method according to the NFC digital currency transaction method further comprises:
when the acceptance terminal is not the confirmation-free transaction acceptance terminal, receiving the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal and determining whether the digital currency to-be-transacted information based on the NFC card sent by the acceptance terminal is illegal NFC digital currency transaction;
and when the information to be transacted of the digital currency based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction, the NFC digital currency transaction is cancelled.
7. The NFC digital currency transaction method according to claim 6, wherein the executing of the transaction operation corresponding to the NFC digital currency transaction method according to the NFC digital currency transaction method further comprises:
when the information to be transacted of the digital currency based on the NFC card sent by the acceptance terminal is determined not to be illegal NFC digital currency transaction, the NFC digital currency transaction is authenticated by adopting the account information signature bound with the user terminal to obtain second passive transaction signature authentication information;
and sending the second passive transaction signature authentication information to a blockchain to execute transaction operation corresponding to the passive transaction.
8. An NFC digital currency transaction system is characterized by comprising a server, a terminal device and an NFC card;
the NFC card comprises an NFC module, a fingerprint module, an encrypted main control chip and a storage chip and is used for swiping a card at an acceptance terminal or a user terminal to realize NFC digital currency transaction;
the terminal equipment comprises a user terminal and an acceptance terminal and is used for acquiring the NFC digital currency transaction value through NFC card swiping;
the server includes: the NFC digital currency information to be transacted acquisition module is used for acquiring digital currency information to be transacted based on an NFC card;
the NFC digital currency transaction mode acquisition module is used for acquiring an NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card; the NFC digital currency transaction mode refers to whether an active mode or a passive mode is adopted when a user conducts transaction with different terminal equipment;
and the NFC digital currency transaction execution module is used for executing transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode so as to ensure the safety of the NFC digital currency transaction.
9. A server comprising a memory, and one or more programs, wherein the one or more programs are stored in the memory, and wherein the one or more programs being configured to be executed by the one or more processors comprises instructions for performing the method of any of claims 1-7.
10. A non-transitory computer-readable storage medium, wherein instructions in the storage medium, when executed by a processor of an electronic device, enable the electronic device to perform the method of any of claims 1-7.
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| CN202011349755.4A CN112419062A (en) | 2020-11-26 | 2020-11-26 | NFC digital currency transaction method and system |
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