CN112419062B - NFC digital currency transaction method and system - Google Patents

NFC digital currency transaction method and system Download PDF

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Publication number
CN112419062B
CN112419062B CN202011349755.4A CN202011349755A CN112419062B CN 112419062 B CN112419062 B CN 112419062B CN 202011349755 A CN202011349755 A CN 202011349755A CN 112419062 B CN112419062 B CN 112419062B
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transaction
digital currency
nfc
terminal
information based
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CN112419062A (en
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杜铁军
朱治钢
赵泽中
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Netac Technology Co Ltd
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Netac Technology Co Ltd
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/409—Device specific authentication in transaction processing

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  • Engineering & Computer Science (AREA)
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  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The invention discloses an NFC digital currency transaction method and 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 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 by the NFC digital currency transaction method.

Description

NFC digital currency transaction method and system
Technical Field
The invention relates to the technical field of communication, in particular to an NFC digital currency transaction method and system.
Background
The existing digital currency transaction system is characterized in that equipment such as a cold wallet and the like is basically communicated with a terminal to complete transaction by adopting a USB, bluetooth or WIFI mode and the like, and the equipment needs hardware connection or wireless matching or built-in batteries to complete the transaction, so that the convenience of the equipment is affected, the application scene is limited, the problem of cruising ability is considered, and in addition, the existing digital currency transaction method has the problems of potential safety hazard and low transaction efficiency.
Accordingly, there is a need for improvement and development in the art.
Disclosure of Invention
The invention aims to solve the technical problems of potential 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 money 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 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 and sent by a user terminal;
and acquiring the digital currency to-be-transacted information based on the NFC card and sent by the acceptance terminal.
In one implementation manner, the obtaining the NFC digital currency transaction manner according to the NFC card-based digital currency to-be-transacted information includes:
When the digital currency to be transacted information based on the NFC card sent by the user terminal is obtained, the NFC digital currency transaction mode is active transaction;
when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is obtained, the NFC digital currency transaction mode is passive transaction.
In one implementation manner, the executing the transaction operation corresponding to the NFC digital currency transaction manner according to the NFC digital currency transaction manner includes:
When the NFC digital currency transaction mode is active transaction, adopting account information signature bound with a user terminal to authenticate the NFC digital currency transaction to obtain active transaction signature authentication information;
and sending the active transaction signature authentication information to a blockchain to execute a transaction operation corresponding to the active transaction.
In one implementation manner, the executing the transaction operation corresponding to the NFC digital currency transaction manner according 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 a confirmation-free transaction acceptance terminal or not;
When the acceptance terminal is a confirmation-free transaction acceptance terminal, signing and authenticating NFC digital currency transaction by adopting a hardware signature algorithm through a fingerprint module to obtain first passive transaction signature authentication information;
The first passive transaction signature authentication information is sent to a blockchain to perform a transaction operation corresponding to the passive transaction.
In one implementation manner, the executing the transaction operation corresponding to the NFC digital currency transaction manner according to the NFC digital currency transaction manner further includes:
When the acceptance terminal is not a confirmation-free transaction acceptance terminal, receiving 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 canceling the NFC digital currency transaction when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction.
In one implementation manner, the executing the transaction operation corresponding to the NFC digital currency transaction manner according to the NFC digital currency transaction manner further includes:
When the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is not illegal NFC digital currency transaction, adopting account information signature bound with the user terminal to authenticate the NFC digital currency transaction, and obtaining second passive transaction signature authentication information;
and sending the second passive transaction signature authentication information to a blockchain to execute a transaction operation corresponding to the passive transaction.
In a second aspect, an embodiment of the present invention further provides an NFC digital money 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, a main control chip with encryption and a storage chip, and is used for realizing NFC digital currency transaction by swiping the card at an acceptance terminal or a user terminal;
The terminal equipment comprises a user terminal and an acceptance terminal and is used for acquiring a digital currency transaction value through NFC card swiping;
The server includes: the NFC digital currency to-be-transacted information acquisition module is used for acquiring the digital currency to-be-transacted information based on the 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, embodiments of the present invention further provide a server including 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 a method for performing an NFC digital money transaction as described in any of the above.
In a fourth aspect, embodiments of the present invention also provide a non-transitory computer-readable storage medium, which when executed by a processor of an electronic device, causes the electronic device to perform an NFC digital money transaction method as described in any one of the above.
The invention has the beneficial effects that: firstly, acquiring digital currency to-be-transacted information based on an NFC card; then obtaining an NFC digital currency transaction mode according to the digital currency to-be-transacted information 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 that are required to be used in the embodiments or the description of the prior art will be briefly described below, and it is obvious that the drawings in the following description are only some embodiments described in the present invention, and other drawings may be obtained according to the drawings without inventive effort to those skilled in the art.
FIG. 1 is a schematic flow chart of a method for NFC digital currency transaction according to an embodiment of the present invention
Fig. 2 is a schematic block diagram of an NFC digital money 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 purposes, technical schemes and effects of the invention clearer and more definite, the invention is further described in detail below by referring to the accompanying drawings and examples. It should be understood that the specific embodiments described herein are for purposes of illustration only and are not intended to limit the scope of the invention.
As used herein, the singular forms "a", "an", "the" and "the" are intended to include the plural forms as well, unless expressly stated otherwise, as understood by those skilled in the art. 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. The term "and/or" as used herein includes all or any element and all combination of one or more of the associated listed items.
It will be understood by those skilled in the art that 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 unless defined otherwise. 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 adopt modes of USB, bluetooth or WIFI and the like to communicate with a terminal to complete the transaction, and the devices need hardware connection or wireless matching or built-in batteries to complete the transaction, so that the convenience of using the devices is affected, the application scene is limited, the problem of endurance is considered, and in addition, the problems of potential safety hazard and low transaction efficiency of the existing digital currency transaction method exist.
In order to solve the problems in the prior art, the embodiment provides an NFC digital currency transaction method, firstly, a server acquires digital currency to be transacted information based on an NFC card, and there are two modes, firstly, a user can scan an APP through a user terminal, or input an address of the other party in the user terminal, or select a transaction address saved in the past, and the like, initiate a transaction, and generate the digital currency to be transacted information based on the NFC card by the user terminal; secondly, a user uses an NFC card to swipe an acceptance terminal, 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 by the NFC digital currency transaction method.
Illustrative examples
Now, the cash-free payment era has been entered, but the old in the home is refused to pay with cash of paper money when buying dishes or setting up the home, on the one hand, the old cannot be skilled in using intelligent terminals such as mobile phones, and on the other hand, the old is not trusted for virtual payment. In order to solve the payment dilemma of the aged, the embodiment of the invention provides an NFC digital currency transaction method which can solve the problems. In advance, the old man and the child in the home log in an account through authentication at a server, a certain shopping mall is set as a trusted consumption address, information such as single transaction amount and transaction frequency matched with the shopping mall is set together, and the information is updated to an NFC card, so that the old man does not need to carry cash, and can consume in the shopping mall only by carrying the NFC card in the embodiment of the invention, the old man can successfully conduct transaction by adopting a fingerprint authenticated by a signature algorithm of a hardware signature in a fingerprint module, the old man can avoid the situation that the old man carries cash payment and is refused, and the inconvenience of using a mobile phone for payment is avoided.
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, the method includes:
step S100, acquiring digital currency to-be-transacted information based on an NFC card;
Specifically, the server acquires the digital currency to-be-transacted information based on the NFC card in two modes, wherein in the first mode, a user can scan an APP code through a user terminal, or input an address of the other party in the user terminal, or select a transaction address stored in the past, and the like, so as to initiate transaction and generate the digital currency to-be-transacted information based on the NFC card by the user terminal; second, the user uses the NFC card to swipe the acceptance terminal, and the acceptance terminal generates and pushes the transaction to the server to generate digital currency to be transacted information based on the NFC card.
In order to realize the NFC digital currency transaction, the acquiring the digital currency to-be-transacted information based on the NFC card includes the following steps:
Step S101, acquiring digital currency to-be-transacted information based on an NFC card and sent by a user terminal;
Step S102, acquiring digital currency to-be-transacted information based on the NFC card and sent by the acceptance terminal.
Specifically, the digital currency to be transacted information based on the NFC card is sent from a terminal device, and the terminal device is provided with a user terminal and an acceptance terminal, so that the digital currency to be transacted information based on the NFC card sent by the user terminal and the digital currency to be transacted information based on the NFC card sent by the acceptance terminal are acquired first. In this embodiment, the terminal device may be a mobile phone, a gate, a POS device, or the like, on which the digital money system application is loaded, and the terminal device is connected to the server. The terminal device is mainly responsible for generating digital currency to be transacted information based on the NFC card and broadcasting signature information to the blockchain.
The embodiment provides an NFC digital currency transaction method, which can be applied to a communication intelligent terminal. As shown in fig. 1, the method includes:
Step 200, 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 manner is closely related to the obtained digital currency to be transacted based on the NFC card, and when the server obtains the digital currency to be transacted based on the NFC card sent by the user terminal and the digital currency to be transacted based on the NFC card sent by the acceptance terminal, the NFC digital currency transaction manner can be obtained.
In order to obtain a specific NFC digital currency transaction manner, the obtaining an NFC digital currency transaction manner according to the digital currency to be transacted information based on the NFC card includes:
step S201, when the obtained digital currency to be transacted information based on the NFC card sent by the user terminal, the NFC digital currency transaction mode is active transaction;
Step S202, when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is obtained, the NFC digital currency transaction mode is passive transaction.
In this embodiment, when the acquired digital currency to be transacted information based on the NFC card sent by the user terminal is obtained, that is, the user may perform APP code scanning through the user terminal, or input the address of the other party in the user terminal, or select the transaction address saved in the past, etc., to initiate a transaction, where the NFC digital currency transaction mode is an active transaction; when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is obtained, namely, the user swipes the acceptance terminal by using the NFC card, the acceptance terminal generates and pushes the transaction to the server, and at the moment, 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, 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 the active transaction mode and the passive transaction mode, executing the 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, since the digital currency system application is installed on the terminal device, the NFC card has a unique card number, 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, manage the digital currency wallet, and through fingerprint authentication of the card, the digital currency wallet used by the NFC card can be changed, so that the transaction function is flexibly configured, such as how many digital currencies are transferred to the card, the upper limit of each consumption amount, the number of times consumed per day, and the like, and the NFC card transaction can only be performed on the intelligent terminal on which the bound account number is logged, otherwise only the confirmation-free transaction function set in advance can be performed, and the operation safety is ensured through the bidirectional authentication method. In one implementation, when a confirmation-free transaction function is employed, real-time fingerprints may be employed to identify, preventing lawbreakers from swiping cards by lawbreakers stealing the user's fingerprint through lawless means.
In order to obtain a transaction operation result, the executing 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 signature bound with a user terminal to authenticate NFC digital currency transaction to obtain active transaction signature authentication information;
Step S302, the active transaction signature authentication information is sent to a blockchain to execute a transaction operation corresponding to the active transaction.
Specifically, when the server obtains that the NFC digital currency transaction mode is active transaction, the NFC digital currency transaction is authenticated by using an account information signature bound to the user terminal, for example: when the server acquires that the user terminal initiates a transaction by means of APP code scanning or other party address input or selecting a transaction address saved in the past, the NFC card is bound by the digital currency system application account through the unique card number, at the moment, the NFC card is bound by the unique card number by verifying the NFC card number and the password information to log in the digital currency system application account, and the active transaction signature authentication information can be obtained after authentication. On the other hand, since blockchains are a novel application mode of computer technologies such as distributed data storage, point-to-point transmission, consensus mechanisms, encryption algorithms, and the like. The blockchain (Blockchain) is a decentralised database, and is used as the underlying technology of the bitcoin, and is a series of data blocks which are generated by correlating a cryptography 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 the next block. Therefore, in order to ensure the security of the present transaction, the active transaction signature authentication information is transmitted to a blockchain to perform a transaction operation corresponding to the active transaction.
In addition, the executing 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 a confirmation-free transaction acceptance terminal or not; when the acceptance terminal is a confirmation-free transaction acceptance terminal, signing and authenticating NFC digital currency transaction by adopting a hardware signature algorithm through a fingerprint module to obtain first passive transaction signature authentication information; the first passive transaction signature authentication information is sent to a blockchain to perform a 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, so that it is necessary to determine whether the acceptance terminal is a confirmation-free transaction acceptance terminal; when the acceptance terminal is a confirmation-free transaction acceptance terminal, a user brushes own fingerprint on the fingerprint module, and the fingerprint can be a real-time fingerprint so as to increase the security of the transaction; and signing and authenticating the NFC digital currency transaction by adopting a hardware signature algorithm to obtain first passive transaction signature authentication information, and transmitting the first passive transaction signature authentication information to a blockchain based on the security and the anti-counterfeiting property of the blockchain so as to execute transaction operation corresponding to the passive transaction.
The executing 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 acceptance terminal is not a confirmation-free transaction acceptance terminal, receiving 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 canceling the NFC digital currency transaction when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction.
In practice, when the acceptance terminal is not a 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, that is, whether the digital currency to be transacted information based on the NFC card sent by the opposite party is a trusted acceptance terminal or not, and if the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction, the transaction is canceled and the security of the digital currency in the NFC card is ensured. If the digital currency to be transacted based on the NFC card sent by the acceptance terminal is not illegal NFC digital currency transaction, the NFC digital currency transaction is authenticated by adopting an account information signature bound with the user terminal, if a child determines that the user terminal consumes the NFC card in the acceptance terminal in a conversation mode, the account password bound with the NFC card bound with the user terminal is logged in, second passive transaction signature authentication information is obtained after the user terminal passes through the account password, and the second passive transaction signature authentication information is sent to a blockchain based on the security and the anti-counterfeiting performance of the blockchain so as to execute transaction operation corresponding to the passive transaction.
Exemplary apparatus
As shown in fig. 2, an embodiment of the present invention provides an NFC digital money transaction system, which includes: server, terminal equipment and NFC card;
The NFC card comprises an NFC module, a fingerprint module, a main control chip with encryption and a storage chip, and is used for realizing NFC digital currency transaction by swiping the card at an acceptance terminal or a user terminal;
The terminal equipment comprises a user terminal and an acceptance terminal and is used for acquiring an NFC digital currency transaction value through NFC card swiping;
The server includes an NFC digital currency information obtaining module 401, an NFC digital currency transaction mode obtaining module 402, and an NFC digital currency transaction executing module 403, where: the NFC digital currency to-be-transacted information acquiring module 401 is configured to acquire digital currency to-be-transacted information based on an NFC card; an NFC digital currency transaction manner obtaining module 402, configured to obtain an NFC digital currency transaction manner according to the digital currency to be transacted information based on the NFC card; the NFC digital money transaction execution module 403 is configured to execute a transaction operation corresponding to the NFC digital money transaction mode according to the NFC digital money transaction mode.
The system comprises three parts: server, terminal equipment and NFC card, and the server receives and handles the information 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 acquires digital currency to-be-transacted information based on an NFC card, the NFC digital currency transaction mode acquisition module 402 acquires an NFC digital currency transaction mode, and the NFC digital currency transaction execution module 403 acquires and executes a 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, a main control chip with encryption and a storage chip, and is used for realizing NFC digital currency transaction by swiping the card at an acceptance terminal or a user terminal; in practice, the user can locally swipe the user terminal to realize the NFC digital currency transaction, or the user can swipe the acceptance terminal through the user a and realize the NFC digital currency transaction through a confirmation-free mode, or the user a swipes the acceptance terminal and authenticates the NFC digital currency through the bound NFC card account information signature to realize the NFC digital currency transaction. The terminal equipment comprises a user terminal and an acceptance terminal and is used for acquiring an NFC digital currency transaction value through NFC card swiping. In one implementation, the NFC card is connected to the server wirelessly. In another implementation, the server is connected to the terminal device wirelessly.
Based on the above embodiment, the present invention further provides an intelligent terminal, and a functional block diagram thereof may be 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. The processor of the intelligent terminal is used for providing computing and control capabilities. 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 the operating system and computer programs in the non-volatile storage media. The network interface of the intelligent terminal is used for communicating with an external terminal through network connection. The computer program is executed by a processor to implement a method of NFC digital money transactions. The display screen of the intelligent terminal can be a liquid crystal display screen or an electronic ink display screen, and a temperature sensor of the intelligent terminal is arranged in the intelligent terminal in advance and used for detecting the running temperature of internal equipment.
It will be appreciated by those skilled in the art that the schematic diagram in fig. 3 is merely a block diagram of a portion of the structure related to the present invention and is not limiting of the smart terminal to which the present invention is applied, and that a specific smart terminal may include more or less components than those shown in the drawings, or may combine some components, or have a different arrangement of components.
In one embodiment, a smart 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 one or more processors, the one or more programs comprising 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 transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode.
Those skilled in the art will appreciate that implementing all or part of the above described methods may be accomplished by way of a computer program stored on a non-transitory computer readable storage medium, which when executed, may comprise the steps of the embodiments of the methods described above. Any reference to memory, storage, database, or other medium used in embodiments provided herein may include non-volatile and/or volatile memory. The nonvolatile 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 (SYNCHLINK) DRAM (SLDRAM), memory bus (Rambus) direct RAM (RDRAM), direct memory bus dynamic RAM (DRDRAM), and memory bus dynamic RAM (RDRAM), among others.
In summary, the invention discloses an NFC digital currency transaction method, an intelligent terminal and a storage medium, 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 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 by the NFC digital currency transaction method.
It should be understood that the present invention discloses a method for NFC digital money transaction, and it should be understood that the application of the present invention is not limited to the examples described above, and that modifications and variations may be made by those skilled in the art in light of the foregoing description, all of which are intended to be within the scope of the appended claims.

Claims (5)

1. A method of NFC digital money transactions, 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;
Executing transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode;
The obtaining the digital currency to-be-transacted information based on the NFC card comprises the following steps:
Acquiring digital currency to-be-transacted information based on an NFC card and sent by a user terminal;
Acquiring digital currency to-be-transacted information based on an NFC card and sent by an acceptance terminal;
The obtaining the NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card includes:
When the digital currency to be transacted information based on the NFC card sent by the user terminal is obtained, the NFC digital currency transaction mode is active transaction;
When the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is obtained, the NFC digital currency transaction mode is passive transaction;
The executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode comprises the following steps:
When the NFC digital currency transaction mode is active transaction, adopting account information signature bound with a user terminal to authenticate the NFC digital currency transaction to obtain active transaction signature authentication information;
Transmitting the active transaction signature authentication information to a blockchain to perform a transaction operation corresponding to the active transaction;
the NFC card stores trusted consumption addresses, single transaction amounts and transaction frequency information;
the user terminal initiates a transaction by selecting the stored transaction address, and generates digital currency to-be-transacted information of the user terminal based on the NFC card;
The executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode further includes:
When the NFC digital currency transaction mode is passive transaction, judging whether the acceptance terminal is a confirmation-free transaction acceptance terminal or not;
When the acceptance terminal is a confirmation-free transaction acceptance terminal, signing and authenticating NFC digital currency transaction by adopting a hardware signature algorithm through a fingerprint module to obtain first passive transaction signature authentication information;
Transmitting the first passive transaction signature authentication information to a blockchain to perform a transaction operation corresponding to the passive transaction;
The executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode further includes:
When the acceptance terminal is not a confirmation-free transaction acceptance terminal, receiving 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;
When the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction, canceling the NFC digital currency transaction;
the NFC card comprises an NFC module, a fingerprint module, a main control chip with encryption and a storage chip, and is used for realizing NFC digital currency transaction by swiping the card at an acceptance terminal or a user terminal.
2. The NFC digital money transaction method according to claim 1, wherein the performing a transaction operation corresponding to the NFC digital money transaction manner according to the NFC digital money transaction manner further comprises:
When the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is not illegal NFC digital currency transaction, adopting account information signature bound with the user terminal to authenticate the NFC digital currency transaction, and obtaining second passive transaction signature authentication information;
and sending the second passive transaction signature authentication information to a blockchain to execute a transaction operation corresponding to the passive transaction.
3. An NFC digital currency transaction system, which is characterized by comprising a server, terminal equipment and an NFC card;
The NFC card comprises an NFC module, a fingerprint module, a main control chip with encryption and a storage chip, and is used for realizing NFC digital currency transaction by swiping the card at a receiving terminal or a user terminal, and the NFC card stores trusted consumption address, single transaction amount and transaction frequency information;
The terminal equipment comprises a user terminal and an acceptance terminal, and is used for acquiring an NFC digital currency transaction value through NFC card swiping, wherein the user terminal initiates transaction by selecting a stored transaction address, and generates digital currency to-be-transacted information of the user terminal based on the NFC card;
The server includes: the NFC digital currency to-be-transacted information acquisition module is used for acquiring the digital currency to-be-transacted information based on the NFC card; the obtaining the digital currency to-be-transacted information based on the NFC card comprises the following steps: acquiring digital currency to-be-transacted information based on an NFC card and sent by a user terminal; acquiring digital currency to-be-transacted information based on an NFC card and sent by an acceptance terminal;
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 an active mode or a passive mode adopted when a user transacts with different terminal equipment; the obtaining the NFC digital currency transaction mode according to the digital currency to-be-transacted information based on the NFC card includes: when the digital currency to be transacted information based on the NFC card sent by the user terminal is obtained, the NFC digital currency transaction mode is active transaction; when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is obtained, the NFC digital currency transaction mode is passive transaction;
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 NFC digital currency transaction;
the executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode comprises the following steps: when the NFC digital currency transaction mode is active transaction, adopting account information signature bound with a user terminal to authenticate the NFC digital currency transaction to obtain active transaction signature authentication information; transmitting the active transaction signature authentication information to a blockchain to perform a transaction operation corresponding to the active transaction;
The executing the transaction operation corresponding to the NFC digital currency transaction mode according to the NFC digital currency transaction mode further includes: when the NFC digital currency transaction mode is passive transaction, judging whether the acceptance terminal is a confirmation-free transaction acceptance terminal or not; when the acceptance terminal is a confirmation-free transaction acceptance terminal, signing and authenticating NFC digital currency transaction by adopting a hardware signature algorithm through a fingerprint module 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; and 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, 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 canceling the NFC digital currency transaction when the digital currency to be transacted information based on the NFC card sent by the acceptance terminal is determined to be illegal NFC digital currency transaction.
4. A server comprising a memory and one or more programs, wherein the one or more programs are stored in the memory and configured to be executed by one or more processors, the one or more programs comprising instructions for performing the method of any of claims 1-2.
5. 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 one of claims 1-2.
CN202011349755.4A 2020-11-26 2020-11-26 NFC digital currency transaction method and system Active CN112419062B (en)

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