CN114612084A - Digital currency payment method, device and system based on hardware cloud wallet - Google Patents

Digital currency payment method, device and system based on hardware cloud wallet Download PDF

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Publication number
CN114612084A
CN114612084A CN202210113088.2A CN202210113088A CN114612084A CN 114612084 A CN114612084 A CN 114612084A CN 202210113088 A CN202210113088 A CN 202210113088A CN 114612084 A CN114612084 A CN 114612084A
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China
Prior art keywords
digital currency
hardware
wallet
payment
cloud wallet
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CN202210113088.2A
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Chinese (zh)
Inventor
李超
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Guangzhou Yuntong Shuda Technology Co ltd
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Guangzhou Yuntong Shuda Technology Co ltd
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Priority to CN202210113088.2A priority Critical patent/CN114612084A/en
Publication of CN114612084A publication Critical patent/CN114612084A/en
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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3821—Electronic credentials
    • G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions

Abstract

The invention discloses a hardware cloud wallet-based digital currency payment method, device and system, wherein the method comprises the following steps: establishing a digital currency account corresponding to a hardware cloud wallet in a cloud server, wherein the digital currency account is used for storing digital currency, and the hardware cloud wallet comprises a security chip with processing and storage capabilities; storing transaction elements for digital currency payment in a hardware cloud wallet; when the payment is carried out by using the digital currency, the transaction elements stored in the hardware cloud wallet are uploaded to the cloud server, the cloud server carries out payment operation by using the digital currency in the digital currency account corresponding to the transaction elements, and a payment result is returned to the hardware cloud wallet. By adopting the technical scheme, the transaction elements are stored in the hardware cloud wallet, and the cloud server is used for calculating the transaction during payment, so that the verification and calculation efficiency is improved, and the user experience in the digital currency transaction process is improved.

Description

Digital currency payment method, device and system based on hardware cloud wallet
Technical Field
The invention relates to the field of computer information processing, in particular to a digital currency payment method, device and system based on a hardware cloud wallet.
Background
Digital currency is currency that converts cash values into a series of electronically encrypted serial numbers, and the security of the currency itself relies on cryptographic algorithms to protect it. In the aspect of cryptographic algorithm, the security of the digital currency system relates to symmetric cipher, asymmetric cipher, message digest algorithm and identity-based cryptographic system, and the overall security of the cryptographic system, the selection of cryptographic algorithm, the implementation of cryptographic algorithm, the design of interactive protocol, the compatibility of international and domestic standards, etc. must be deeply considered in the aspect of system implementation to ensure the transaction security of the digital currency.
The digital national currency of digital form is also put forward by the Chinese people bank, is equivalent to paper money and coins, has value characteristics and legal compensation, supports controllable anonymity, and is gradually applied to various transaction scenes in life.
However, in the current practical application, the digital currency performs a large amount of authentication and calculation in the transaction, and the digital currency terminal has insufficient calculation capability and limited storage space, so that the waiting time in the transaction process is long, and the user experience is poor.
Disclosure of Invention
The invention aims to solve the problems that the conventional digital currency has long waiting time in the transaction process and poor user experience.
In order to solve the technical problem, a first aspect of the present invention provides a hardware cloud wallet-based digital currency payment method, including:
establishing a digital currency account corresponding to a hardware cloud wallet in a cloud server, wherein the digital currency account is used for storing digital currency, and the hardware cloud wallet comprises a security chip with processing and storage capabilities;
storing transaction elements for digital currency payment in a hardware cloud wallet;
when the payment is carried out by using the digital currency, the transaction elements stored in the hardware cloud wallet are uploaded to the cloud server, the cloud server carries out payment operation by using the digital currency in the digital currency account corresponding to the transaction elements, and a payment result is returned to the hardware cloud wallet.
According to a preferred embodiment of the present invention, the transaction elements include a cloud wallet ID associated with a hardware cloud wallet, a digital currency account ID, a key and a certificate, and transaction information related to a current transaction.
According to a preferred embodiment of the present invention, the hardware cloud wallet is further configured to store digital currency information in a digital currency account corresponding to the hardware cloud wallet.
According to a preferred embodiment of the present invention, the payment result includes information on whether the payment was successful or not;
the method further comprises the following steps: and the hardware cloud wallet updates the digital currency information stored by the hardware cloud wallet according to the information of whether the payment is successful or not.
According to a preferred embodiment of the invention, the method further comprises:
and the hardware cloud wallet acquires and stores digital currency information from the digital currency account of the cloud server.
According to a preferred embodiment of the invention, the method further comprises:
the cloud server synchronizes digital currency in the digital currency account to a digital currency issuing system for currency fusion and acquisition of new digital currency.
According to a preferred embodiment of the present invention, the hardware cloud wallet is further configured to store digital money, and the user can select to pay using the digital money in the hardware cloud wallet or using the digital money in a digital money account of a cloud server corresponding to the hardware cloud wallet.
The invention provides a digital currency payment device based on a hardware cloud wallet, which is characterized by comprising the hardware cloud wallet with a security chip and a communication module, wherein the security chip is used for performing security authentication on transactions according to transaction elements and storing the transaction elements of digital currency payment; the communication module is used for uploading the transaction elements stored in the security chip to the cloud server when digital currency payment is used, and receiving a returned payment result from the transport server.
According to a preferred embodiment of the present invention, the transaction elements include a cloud wallet ID associated with a hardware cloud wallet, a digital currency account ID, a key and a certificate, and transaction information related to a current transaction.
According to a preferred embodiment of the present invention, the secure chip is further configured to store digital currency information in a digital currency account corresponding to the hardware cloud wallet.
According to a preferred embodiment of the present invention, the hardware cloud wallet obtains digital currency information from the digital currency account of the cloud server through the communication module, and stores the digital currency information in the security chip.
According to a preferred embodiment of the invention, the secure chip is further adapted to store digital currency, and the device is adapted to enable a user to select payment using the digital currency in the secure chip or a digital currency account of a cloud server corresponding to a hardware cloud wallet.
The third aspect of the invention provides a hardware cloud wallet-based digital currency payment cloud server, which is characterized by comprising:
a storage module for storing a digital currency account corresponding to a hardware cloud wallet for storing digital currency, the hardware cloud wallet including a secure chip having processing and storage capabilities;
the cloud wallet synchronization module is used for synchronizing data with the hardware cloud wallet;
and the bank synchronization module is used for synchronizing the digital currency with the digital currency issuing system.
The fourth aspect of the present invention provides a hardware cloud wallet-based digital currency payment system, including:
the cloud wallet account establishing module is used for establishing a digital currency account corresponding to a hardware cloud wallet in a cloud server, the digital currency account is used for storing digital currency, and the hardware cloud wallet comprises a security chip with processing and storage capacity;
the transaction element storage module is used for storing transaction elements for digital currency payment in the hardware cloud wallet;
and the transaction execution module is used for uploading transaction elements stored in a security chip of the hardware cloud wallet to the cloud server when the digital currency is used for payment, and the cloud server uses the digital currency in a digital currency account corresponding to the transaction elements to perform payment operation and returns a payment result to the hardware cloud wallet.
By adopting the technical scheme, the transaction elements are stored in the hardware cloud wallet, and the cloud server is used for calculating the transaction during payment, so that the verification and calculation efficiency is improved, and the user experience in the digital currency transaction process is improved.
Drawings
In order to make the technical problems solved by the present invention, the technical means adopted and the technical effects obtained more clear, the following will describe in detail the embodiments of the present invention with reference to the accompanying drawings. It should be noted, however, that the drawings described below are only illustrations of exemplary embodiments of the invention, from which other embodiments can be derived by those skilled in the art without inventive step.
FIG. 1 is a schematic flow chart of a hardware cloud wallet-based digital currency payment method in an embodiment of the invention;
fig. 2 is a schematic flow chart of a hardware cloud wallet-based digital currency payment method according to an embodiment of the present invention;
FIG. 3 is a schematic structural diagram of a hardware cloud wallet-based digital currency payment device in the embodiment of the invention;
fig. 4 is a schematic structural diagram of a hardware cloud wallet-based digital currency payment system in the embodiment of the invention.
Detailed Description
Exemplary embodiments of the present invention will now be described more fully hereinafter with reference to the accompanying drawings, in which exemplary embodiments of the invention may be embodied in many specific forms, and should not be construed as limited to the embodiments set forth herein. Rather, these exemplary embodiments are provided so that this disclosure will be thorough and complete, and will fully convey the concept of the invention to those skilled in the art.
The structures, properties, effects or other characteristics described in a certain embodiment may be combined in any suitable manner in one or more other embodiments, while still complying with the technical idea of the invention.
In describing particular embodiments, specific details of structures, properties, effects, or other features are set forth in order to provide a thorough understanding of the embodiments by one skilled in the art. However, it is not excluded that a person skilled in the art may implement the invention in a specific case without the above-described structures, performances, effects or other features.
The flow chart in the drawings is only an exemplary flow demonstration, and does not represent that all the contents, operations and steps in the flow chart are necessarily included in the scheme of the invention, nor does it represent that the execution is necessarily performed in the order shown in the drawings. For example, some operations/steps in the flowcharts may be divided, some operations/steps may be combined or partially combined, and the like, and the execution order shown in the flowcharts may be changed according to actual situations without departing from the gist of the present invention.
The block diagrams in the figures generally represent functional entities and do not necessarily correspond to physically separate entities. I.e. these functional entities may be implemented in the form of software, or in one or more hardware modules or integrated circuits, or in different network and/or processing unit devices and/or microcontroller devices.
The same reference numerals denote the same or similar elements, components, or parts throughout the drawings, and thus, a repetitive description thereof may be omitted hereinafter. It will be further understood that, although the terms first, second, third, etc. may be used herein to describe various elements, components, or sections, these elements, components, or sections should not be limited by these terms. That is, these phrases are used only to distinguish one from another. For example, a first device may also be referred to as a second device without departing from the spirit of the present invention. Furthermore, the term "and/or", "and/or" is intended to include all combinations of any one or more of the listed items.
The term "digital money" as used herein refers to money in digital form. The term "currency" as used herein refers to currency in the true sense, not tokens. Alternatively, currency is a contract between owners for the exchange of rights based on a certain credit basis, which may be a master credit or a group credit. The technical solution of the invention based on "digital currency" particularly refers to "currency" having the basis of national ownership credit, such as digital renminbi. The invention is not limited to virtual digital currency that can be extended to other credit bases, such as bitcoins.
It should be noted that the "digital currency" referred to in the present invention is essentially different from third party electronic payments. "digital currency" is true currency, which is simply a payment instrument that displays bills and balances, not currency.
The "digital money" in the present invention is stored in the "digital money wallet", and payment is made through the "digital money wallet". Thus, as used herein, the term "digital currency wallet" refers to a means for storing and paying for digital goods, either in software, hardware or other form. However, the "digital money wallet" should have a function of storing and paying, but in practice it may be implemented by separate devices or modules, each of which may partially implement a part of the storing function or the paying function. For example, for a digital money purse at a subway entrance, it may only implement part of the payment function, but needs to cooperate with a digital money purse at a subway exit to implement a complete "digital money purse". The term "digital money wallet" as used herein encompasses software, APP or hardware devices of a fully implemented and partially implemented "digital money wallet".
It should be noted that the "digital currency wallet" of the present invention does not include any third party payment instrument so-called "wallets", which are wallets that are truly capable of enabling the storage and payment of currency, rather than merely borrowing the concept of a "wallet" to show some similarity in its form.
Fig. 1 is a schematic flow chart of a hardware cloud wallet-based digital currency payment method according to the present invention, as shown in fig. 1. The invention provides a hardware cloud wallet-based digital currency payment method, which aims to solve the problems that digital currency has long waiting time and poor user experience in a transaction process, and is characterized by comprising the following steps:
s101, establishing a digital currency account corresponding to the hardware cloud wallet in the cloud server, wherein the digital currency account is used for storing digital currency.
In this embodiment, the hardware cloud wallet can establish a secure channel with a cloud server, and a digital currency account corresponding to the hardware cloud wallet is established on the cloud server. In an alternative embodiment, each hardware cloud wallet has a unique cloud wallet ID, which is unique. The digital currency account on the cloud server has an account ID that corresponds to the cloud wallet ID.
In the embodiment, the digital currency is stored in an encrypted manner by adopting an area chain, a transaction certificate and a balance certificate are generated in each transaction and are stored in the digital wallet in an encrypted manner in series, and therefore value transfer is achieved. This form of digital currency may also be referred to as a "currency string". When the digital currency is issued, the digital currency has an initial amount, and when a transaction occurs, the terminals of both parties of the transaction generate a transaction certificate and a balance certificate according to data such as wallet IDs (including digital currency account IDs and cloud wallet IDs), transaction amounts, certificates, random numbers and the like of both parties, so that a new block of a currency string is formed. The block contains the specific information of the transaction. Along with the increase of the transaction times, the length of the coin string is longer and longer, and the relevant information of each transaction can be traced through the coin string. However, each time a transaction is conducted, the pair is needed
In the invention, the digital currency is stored in a digital currency account of the cloud server instead of being stored in a hardware cloud wallet. In specific implementation, in order to verify the hardware cloud wallet and complete a transaction, the digital money account of the cloud server further stores information such as a session key and an asymmetric public key, and the information is used for verifying the cloud wallet and preventing an illegal user from accessing the digital money account in the cloud server.
And S102, storing the transaction elements for digital currency payment in the hardware cloud wallet.
On the basis of the technical scheme, further, the transaction elements may include a cloud wallet ID, a key, a certificate and the like associated with the hardware cloud wallet.
In this embodiment, the hardware cloud wallet locally stores transaction elements including a cloud wallet ID, a digital currency account ID, a key and a certificate associated with the hardware cloud wallet, and transaction information related to the current transaction. The cloud wallet ID and the digital currency account ID have uniqueness, and can accurately identify the identity of the participating transaction. The key and the certificate are used for verifying the validity and the safety of the transaction and ensuring the transaction safety of both parties of the transaction. The stored transaction elements are used, so that the safety and uniqueness of the transaction are guaranteed, and the problem that the transaction is cracked by people and stolen is avoided.
On the basis of the technical scheme, the hardware cloud wallet is further used for storing digital currency information in a digital currency account corresponding to the hardware cloud wallet.
In one embodiment, the digital currency information represents digital currency balance information in the digital currency account, which is used to determine whether the balance in the digital currency account is able to complete the payment at an early stage of the transaction.
For example, when the hardware cloud wallet is used for payment or collection, after the identities of the receiving party and the payment party are verified to be correct, the hardware cloud wallet of the payment party judges whether the balance is sufficient according to the balance information of the digital currency so as to complete the transaction, otherwise, the transaction is terminated.
S103, when the digital currency is used for payment, the transaction elements stored in the hardware cloud wallet are uploaded to the cloud server, the cloud server uses the digital currency in the digital currency account corresponding to the transaction elements for payment operation, and a payment result is returned to the hardware cloud wallet.
In one embodiment, the cloud server stores digital currency corresponding to a hardware cloud wallet digital currency account, and the hardware cloud wallet is used for performing primary identity verification and transaction information verification of a transaction during a transaction process. For example, the hardware cloud wallet performs authentication of the opposite party of the transaction, and as previously described, determines whether the transaction can be performed based on the digital currency balance information, and so on.
After the primary identity verification and the transaction information verification are completed, the payee and/or the payer uploads the transaction elements of the hardware cloud wallet to the cloud server, and the cloud server performs transaction operation according to the transaction elements of the two transaction parties and other transaction related information, such as transaction amount and the like, and returns a payment result to the hardware cloud wallet.
And if the transaction is successful, the cloud server calculates the transaction voucher and the balance voucher of the digital currency of the transaction, adds the transaction voucher and the balance voucher into the digital currency corresponding to the digital currency account of the payee and/or the payer, and updates the balance information corresponding to the digital currency account. And if the transaction fails, returning a payment failure message to the hardware cloud wallet.
In one embodiment, the payment result includes information about success or failure of payment, and the hardware cloud wallet updates its stored digital currency information according to the information about success or failure of payment.
The hardware cloud wallet can also actively acquire and store digital currency information from a digital currency account of the cloud server.
On the basis of the above technical solution, according to a preferred embodiment, the method further includes: the cloud server synchronizes digital currency in the digital currency account to a digital currency issuing system for currency fusion and acquisition of new digital currency.
In the present embodiment, digital money is issued by a digital money issuing system. As the number of transactions increases, the digital money (coin string) in the digital money account contains more and more blocks, resulting in larger and larger occupied storage space. Thus, the cloud server can synchronize the currency string in the digital currency account to the digital currency issuing system according to the user instruction or the predetermined plan, and the digital currency issuing system fuses currency and generates new digital currency according to the information contained in the currency string and sends the new digital currency to the digital currency account of the cloud server.
On the basis of the technical scheme, as a preferred embodiment, the hardware cloud wallet is used for storing real digital currency besides digital currency information associated with a digital currency account of a cloud server, and a user can select to pay by using the digital currency in the hardware cloud wallet or by using the digital currency in the digital currency account of the cloud server corresponding to the hardware cloud wallet.
Further preferably, the digital money stored in the digital money account can be transferred to a hardware cloud wallet under the instruction of the user.
Further preferably, the present invention will be described below with reference to specific examples.
Example one
Fig. 2 is a flowchart illustrating a hardware cloud wallet-based digital currency payment method according to an embodiment of the present invention. The payment process in this embodiment is initiated by the payer. In an actual scene, the payee is often a store and has enough hardware environment to ensure the network link with the cloud server, so the digital money wallet of the payee is a hardware cloud wallet in the embodiment, and the digital money wallet of the payer is not limited.
S201, initiating payment
Before the payment process is initiated, a hardware cloud wallet of the payer establishes a secure communication channel with a cloud server. If the hardware cloud wallet is provided with the communication module, the hardware cloud wallet can be directly connected with the cloud server through the communication module. If the hardware cloud wallet does not have the communication module, the hardware cloud wallet needs to be connected with a cloud server through a terminal device with a communication module. A hardware cloud wallet, for example in the form of a card, needs to connect to a cloud server through a smartphone or the like.
When the payer initiates a transaction, the payer inputs a payment amount via an associated device in conjunction with the hardware cloud wallet, initiating payment.
And judging the balance of the hardware cloud wallet in the step, judging whether the balance is enough to pay for the transaction, if so, continuing the subsequent step, and if not, terminating the transaction. The digital currency information in the digital currency account corresponding to the hardware cloud wallet and stored in the cloud server is the balance of the hardware cloud wallet account, the information can be synchronized every time the hardware cloud wallet is communicated with the cloud server, and the balance of the account can be stored in the hardware cloud wallet.
S202, sending information of a payer
In this step, the payer sends payer information to the payee, which is used to verify the validity of the payer's identity. For example, the payer information includes a cloud wallet ID of the payer, a digital money account ID of the cloud server, a key, a certificate, and the like. The invention is not limited to the information specifically sent, as long as the information can be used to verify the payee's identity or the legitimacy of a digital wallet (including hardware cloud wallets and digital money accounts).
It should be noted that, this step is only required to be performed by sending the payer information stored in the hardware cloud wallet of the payer, and no interaction with the cloud server is required.
S203, carrying out identity verification on the payer
In this step, after the payee receives the payer information, the payee performs identity verification according to the received payer information, if the verification is passed, S206 is executed, otherwise, S204 is executed.
And S204, failing to pass the identity verification, abnormal wallet of the payer, terminating the transaction and feeding back information to the payer.
And S205, the payer receives the feedback information, and the transaction is terminated.
S206, sending information of payer
The step is executed by a digital money wallet of the payee, and the payee sends the identity information of the payee to the payer after the identity authentication of the payer is passed. The payee's digital currency wallet of this embodiment is a hardware cloud wallet.
S207, the payer verifies the identity of the payee
And the payer carries out identity verification according to the received payee information, and if the verification is passed, the step S212 is carried out, otherwise, the step S208 is carried out.
And S208, the identity verification is failed, the payee wallet is abnormal, the transaction is terminated, and feedback information is sent to the payee hardware cloud wallet.
And S209, the payee receives the feedback information and the transaction is terminated.
S210, generating and paying the certificate.
When the identity of the payee is verified, the payer calculates according to the wallet ID, the secret key, the certificate, the transaction information related to the current transaction and other information to generate the payment certificate. The transaction information includes, for example, a payment amount and payee information.
S211, the hardware cloud wallet of the payee receives and forwards the expenditure certificate, and meanwhile, the transaction element is sent to the cloud server.
And S212, the cloud server verifies the payment certificate, if the payment certificate is passed, S215 is executed, and if the payment certificate is not passed, S213 is executed.
Specifically, the cloud server verifies the expense voucher according to the received transaction element.
S213, the payment certificate is not verified, the transaction is terminated, and information is fed back to the payer.
And S214, the payer receives the feedback information, and the transaction is terminated.
S215, the payment voucher passes the verification, and the collection is completed to generate a transaction receipt.
Specifically, the cloud server performs payment operation using the digital currency in the digital currency account corresponding to the transaction element, generates a block of the transaction and adds the block to the digital currency in the digital currency account, and returns a payment result to the hardware cloud wallet. The block is, for example, a balance credential. The payment operation generally includes generating and sending a transaction receipt to a hardware cloud wallet.
S216, the payee hardware cloud wallet receives and forwards the transaction receipt.
Specifically, the transaction receipt contains the latest digital currency information in the digital currency account, and the hardware cloud wallet updates the stored digital currency information.
S217, the payer receives the transaction receipt and completes payment.
In the actual transaction process, as the number of transactions increases, the number of blocks contained in the digital money (money string) in the digital money account of the payee increases, and when a transaction receipt is generated, encryption and decryption operations need to be performed on the blocks, so that the consumed time is increased. Generally, in a scene of using a traditional hardware wallet, the time required after dozens of times is greatly increased, the transaction time is prolonged, and the user experience is very poor. Because the computing capacity and the storage capacity of the cloud server are far higher than those of a hardware cloud wallet, the time required for generating the transaction receipt is greatly saved, and the application experience of the user is improved.
Fig. 3 is a schematic structural diagram of a hardware cloud wallet based digital currency payment apparatus according to an embodiment of the present invention, and as shown in fig. 3, the present invention provides a hardware cloud wallet based digital currency payment apparatus 300, including:
and the hardware cloud wallet with the security chip 301 is used for performing security authentication on the transaction according to the transaction elements and storing the transaction elements of digital currency payment.
On the basis of the technical scheme, the transaction elements further comprise a cloud wallet ID, a digital currency account ID, a key and a certificate, and transaction information related to the current transaction.
Preferably, in this embodiment, the security chip 301 is used to authenticate the identity of the digital money wallet participating in the transaction, and also can authenticate the identity of the user of the hardware cloud wallet, thereby improving the security of the hardware cloud wallet. Biometric authentication and/or password authentication and/or graphical authentication may be employed to authenticate a user of a hardware cloud wallet.
In a preferred embodiment, the transaction storage chip is further configured to store digital currency information in a digital currency account corresponding to a hardware cloud wallet.
On the basis of the technical scheme, the hardware cloud wallet acquires digital currency information from a digital currency account of the cloud server through the data transmission chip and stores the digital currency information in the security chip.
Further, in a preferred embodiment, the transaction memory chip is further configured to store digital currency, and the device is configured to allow the user to select payment using the digital currency in the hardware cloud wallet or payment using the digital currency in a digital currency account of a cloud server corresponding to the hardware cloud wallet.
The communication module 302 includes, for example, a near field communication transmission unit 3021 for data transmission with another digital money payment terminal, and a cloud server communication unit 3022 for data transmission with a cloud server.
Fig. 4 is a schematic structural diagram of a hardware cloud wallet-based digital currency payment system in an embodiment of the present invention, and as shown in fig. 4, the present invention provides a hardware cloud wallet-based digital currency payment system 400, including:
a storage module 401 configured to establish, in the cloud server, a digital currency account corresponding to a hardware cloud wallet including a secure chip having processing and storage capabilities, the digital currency account being configured to store digital currency.
In this embodiment, the hardware cloud wallet is capable of establishing a secure channel with a cloud server, and establishing a digital currency account corresponding to the hardware cloud wallet on the cloud server. In an alternative embodiment, each hardware cloud wallet has a unique cloud wallet ID, which is unique. The digital currency account on the cloud server has an account ID that corresponds to the cloud wallet ID.
In the embodiment, the digital currency is stored in an encrypted manner by adopting an area chain, a transaction certificate and a balance certificate are generated in each transaction and are stored in the digital wallet in an encrypted manner in series, and therefore value transfer is achieved. This form of digital currency may also be referred to as a "currency string". When the digital currency is issued, the digital currency has an initial amount, and when a transaction occurs, the terminals of both parties of the transaction generate a transaction certificate and a balance certificate according to data such as wallet IDs (including digital currency account IDs and cloud wallet IDs), transaction amounts, certificates, random numbers and the like of both parties, so that a new block of a currency string is formed. The block contains the specific information of the transaction. Along with the increase of the transaction times, the length of the coin string is longer and longer, and the relevant information of each transaction can be traced through the coin string.
In the invention, the digital currency is stored in a digital currency account of the cloud server instead of being stored in a hardware cloud wallet. In particular implementation, in order to authenticate the hardware cloud wallet and complete a transaction, the digital currency account of the cloud server further stores a key for authenticating the hardware cloud wallet.
A cloud wallet synchronization module 402 configured to synchronize data with the hardware cloud wallet.
On the basis of the technical scheme, further, the transaction elements may include a cloud wallet ID, a key, a certificate and the like associated with the hardware cloud wallet.
In this embodiment, the hardware cloud wallet locally stores transaction elements including a cloud wallet ID, a digital currency account ID, a key and a certificate associated with the hardware cloud wallet, and transaction information related to the current transaction. The cloud wallet ID and the digital currency account ID have uniqueness, and can accurately identify the identity of the participating transaction. The key and the certificate are used for verifying the validity and the safety of the transaction and ensuring the transaction safety of both parties of the transaction. The stored transaction elements are used, so that the safety and uniqueness of the transaction are guaranteed, and the problem that the transaction is cracked by people and stolen is avoided.
On the basis of the technical scheme, the hardware cloud wallet is further used for storing digital currency information in a digital currency account corresponding to the hardware cloud wallet.
In one embodiment, the digital currency information represents digital currency balance information in the digital currency account, which is used to determine whether the balance in the digital currency account is able to complete the payment at an early stage of the transaction.
For example, when the hardware cloud wallet is used for payment or collection, after the identities of the receiving party and the payment party are verified to be correct, the hardware cloud wallet of the payment party judges whether the balance is sufficient according to the balance information of the digital currency so as to complete the transaction, otherwise, the transaction is terminated.
A bank synchronization module 403 for synchronizing the digital money with the digital money issuing system.
In one embodiment, the cloud server stores digital currency corresponding to a hardware cloud wallet digital currency account, and the hardware cloud wallet is used for performing primary identity verification and transaction information verification of a transaction during a transaction process. For example, the hardware cloud wallet performs authentication of the opposite party of the transaction, and as previously described, determines whether the transaction can be performed based on the digital currency balance information, and so on.
After the primary identity verification and the transaction information verification are completed, the payee and/or the payer uploads the transaction elements of the hardware cloud wallet to the cloud server, and the cloud server performs transaction operation according to the transaction elements of the two transaction parties and other transaction related information, such as transaction amount and the like, and returns a payment result to the hardware cloud wallet.
And if the transaction is successful, the cloud server calculates the transaction voucher and the balance voucher of the digital currency of the transaction, adds the transaction voucher and the balance voucher into the digital currency corresponding to the digital currency account of the payee and/or the payer, and updates the balance information corresponding to the digital currency account. And if the transaction fails, returning a payment failure message to the hardware cloud wallet.
In one embodiment, the payment result includes information about success or failure of payment, and the hardware cloud wallet updates its stored digital currency information according to the information about success or failure of payment.
The hardware cloud wallet can also actively acquire and store digital currency information from a digital currency account of the cloud server.
On the basis of the above technical solution, according to a preferred embodiment, the method further includes: the cloud server synchronizes digital currency in the digital currency account to a digital currency issuing system for currency fusion and acquisition of new digital currency.
In the present embodiment, digital money is issued by a digital money issuing system. As the number of transactions increases, the digital money (coin string) in the digital money account contains more and more blocks, resulting in larger and larger occupied storage space. Thus, the cloud server can synchronize the currency string in the digital currency account to the digital currency issuing system according to the user instruction or the predetermined plan, and the digital currency issuing system fuses currency and generates new digital currency according to the information contained in the currency string and sends the new digital currency to the digital currency account of the cloud server.
On the basis of the technical scheme, as a preferred embodiment, the hardware cloud wallet is used for storing real digital currency besides digital currency information associated with a digital currency account of a cloud server, and a user can select to pay by using the digital currency in the hardware cloud wallet or by using the digital currency in the digital currency account of the cloud server corresponding to the hardware cloud wallet.
The invention is not to be considered as limited to the specific embodiments thereof, but is to be understood as being modified in all respects, all changes and equivalents that come within the spirit and scope of the invention.

Claims (14)

1. A hardware cloud wallet-based digital currency payment method, the method comprising:
establishing a digital currency account corresponding to a hardware cloud wallet in a cloud server, wherein the digital currency account is used for storing digital currency, and the hardware cloud wallet comprises a security chip with processing and storage capacities;
storing transaction elements for digital currency payment in a hardware cloud wallet;
when the payment is carried out by using the digital currency, the transaction elements stored in the hardware cloud wallet are uploaded to the cloud server, the cloud server carries out payment operation by using the digital currency in the digital currency account corresponding to the transaction elements, and a payment result is returned to the hardware cloud wallet.
2. The hardware cloud wallet-based digital currency payment method of claim 1, wherein the transaction elements comprise a cloud wallet ID associated with the hardware cloud wallet, a digital currency account ID, a key and a certificate, and transaction information related to a current transaction.
3. The hardware cloud wallet-based digital currency payment method of claim 1, wherein the hardware cloud wallet is further configured to store digital currency information in a digital currency account corresponding to the hardware cloud wallet.
4. The hardware cloud wallet-based digital currency payment method of claim 3, wherein:
the payment result comprises information of whether the payment is successful or not;
the method further comprises the following steps: and the hardware cloud wallet updates the digital currency information stored by the hardware cloud wallet according to the information of whether the payment is successful or not.
5. The hardware cloud wallet-based digital currency payment method of claim 3, further comprising:
and the hardware cloud wallet acquires and stores digital currency information from the digital currency account of the cloud server.
6. The hardware cloud wallet-based digital currency payment method of claim 1, further comprising:
the cloud server synchronizes digital currency in the digital currency account to a digital currency issuing system for currency fusion and acquisition of new digital currency.
7. The hardware cloud wallet-based digital currency payment method as claimed in any one of claims 1 to 6, wherein the hardware cloud wallet is further configured to store digital currency and enable a user to select to pay using the digital currency in the hardware cloud wallet or in a digital currency account of a cloud server corresponding to the hardware cloud wallet.
8. A digital currency payment device based on a hardware cloud wallet is characterized by comprising the hardware cloud wallet with a security chip and a communication module, wherein,
the safety chip is used for performing safety authentication on the transaction according to the transaction elements and storing the transaction elements of digital currency payment;
the communication module is used for uploading the transaction elements stored in the security chip to the cloud server when digital currency payment is used, and receiving a returned payment result from the transport server.
9. The hardware cloud wallet-based digital currency payment apparatus of claim 8, wherein the transaction elements include a cloud wallet ID associated with the hardware cloud wallet, a digital currency account ID, a key and a certificate, and transaction information related to a current transaction.
10. The hardware cloud wallet-based digital currency payment device of claim 8, wherein the secure chip is further configured to store digital currency information in a digital currency account corresponding to the hardware cloud wallet.
11. The hardware cloud wallet-based digital currency payment device of claim 8, wherein the hardware cloud wallet obtains digital currency information from a digital currency account of the cloud server through the communication module and stores the digital currency information in the secure chip.
12. The hardware cloud wallet-based digital currency payment device of any one of claims 8-11, wherein the secure chip is further configured to store digital currency; and the device can be used for a user to select to use the digital currency in the security chip for payment or use the digital currency in a digital currency account of a cloud server corresponding to the hardware cloud wallet for payment.
13. A hardware cloud wallet-based digital currency payment cloud server, comprising:
a storage module for storing a digital currency account corresponding to a hardware cloud wallet for storing digital currency, the hardware cloud wallet including a secure chip having processing and storage capabilities;
the cloud wallet synchronization module is used for synchronizing data with the hardware cloud wallet;
and the bank synchronization module is used for synchronizing the digital currency with the digital currency issuing system.
14. A hardware cloud wallet-based digital currency payment system, comprising:
the cloud wallet account establishing module is used for establishing a digital currency account corresponding to a hardware cloud wallet in a cloud server, the digital currency account is used for storing digital currency, and the hardware cloud wallet comprises a security chip with processing and storage capacity;
the transaction element storage module is used for storing transaction elements for digital currency payment in the hardware cloud wallet;
and the transaction execution module is used for uploading transaction elements stored in a security chip of the hardware cloud wallet to the cloud server when the digital currency is used for payment, and the cloud server uses the digital currency in a digital currency account corresponding to the transaction elements to perform payment operation and returns a payment result to the hardware cloud wallet.
CN202210113088.2A 2022-01-29 2022-01-29 Digital currency payment method, device and system based on hardware cloud wallet Pending CN114612084A (en)

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Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN115293767A (en) * 2022-07-26 2022-11-04 北京科蓝软件系统股份有限公司 Safety verification method and system for digital currency exchange of high-cabinet of bank

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN115293767A (en) * 2022-07-26 2022-11-04 北京科蓝软件系统股份有限公司 Safety verification method and system for digital currency exchange of high-cabinet of bank
CN115293767B (en) * 2022-07-26 2023-03-07 北京科蓝软件系统股份有限公司 Safety verification method and system for digital currency exchange of high-cabinet of bank

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