CN116562871A

CN116562871A - Digital currency payment method, collection method, related device and payment terminal

Info

Publication number: CN116562871A
Application number: CN202210114123.2A
Authority: CN
Inventors: 穆长春; 狄刚; 赵新宇; 于鹏; 崔沛东
Original assignee: Shenzhen Financial Technology Research Institute Financial Technology Research Institute Of People's Bank Of China; Digital Currency Institute of the Peoples Bank of China
Current assignee: Shenzhen Financial Technology Research Institute Financial Technology Research Institute Of People's Bank Of China; Digital Currency Institute of the Peoples Bank of China
Priority date: 2022-01-30
Filing date: 2022-01-30
Publication date: 2023-08-08

Abstract

The invention discloses a digital currency payment method, a collection method, a related device and a payment terminal, and relates to the technical field of computers. One embodiment of the method comprises the following steps: the digital currency card application device in an activated state in the payment terminal responds to the digital currency payment request, and the amount to be paid in the digital currency payment request is compared with a preset authentication-free amount; the digital money card application means pays digital money according to the payment setting based on the result of the comparison. The embodiment can realize the authentication-free payment of the digital currency based on the user authentication and authentication-free payment of the payment terminal in the power-on scene and realize the authentication-free payment of the digital currency based on the device black screen of the payment terminal in the power-off or power-on scene.

Description

Digital currency payment method, collection method, related device and payment terminal

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a digital currency payment method, a digital currency collection method, a digital currency card application device, and a payment terminal.

Background

In recent years, mobile intelligent terminals have been developed abnormally and rapidly, including smart phones, smart watches, smart POS (Point of sales), which is a Point of sale (Point of sale) information management system. NFC (near field communication) is an important wireless communication technology, and is mainly used for short-range communication due to its characteristics of safety, simplicity, low power consumption, and the like.

In the process of implementing the present invention, the inventor finds that at least the following problems exist in the prior art:

the authentication-free payment of digital currency based on the user authentication of the payment terminal in the power-on scene can not be realized, the authentication-free payment of digital currency of the payment terminal in the power-off scene or the power-on scene can not be realized, and the digital currency collection of the collection terminal in the power-off scene or the power-on scene can not be realized.

Disclosure of Invention

In view of this, the embodiments of the present invention provide a digital currency payment method, a digital currency card application device, and a payment terminal, which can implement authentication-free payment of digital currency based on a user authentication of the payment terminal in a power-on scenario, authentication-free payment of digital currency based on a payment terminal in a power-off scenario or a power-on scenario, and digital currency payment of the payment terminal in a power-off scenario or a power-on scenario.

To achieve the above object, according to one aspect of the embodiments of the present invention, there is provided a digital money payment method.

A digital money payment method, comprising: the digital currency card application device in an activated state in the payment terminal responds to a digital currency payment request, and the amount to be paid in the digital currency payment request is compared with a preset authentication-free amount; the digital money card application device pays digital money according to the payment setting according to the result of the comparison.

Optionally, when the current power state of the payment terminal is a related power-off state or a non-power-off state, the digital currency card application device in the payment terminal is in an activated state, wherein the related power-off state is a state that the payment terminal keeps being powered off but the power supply is sufficient to support a power-on operation, and the power required by the power-on operation is greater than the power required by the operation of the NFC chip and the SE chip in the payment terminal; the non-power off state is a state that the payment terminal keeps off and the power supply quantity is insufficient to support the starting operation, but can supply power for the NFC chip and the SE chip in the payment terminal; the digital currency card application device pays digital currency according to a payment setting according to the result of the comparison, comprising: and the digital currency card application device confirms that the amount to be paid is smaller than or equal to the preset authentication-free amount, and then pays the digital currency according to the authentication-free payment setting.

Optionally, when the current power state of the payment terminal is an powered-on state, the digital currency card application device in the payment terminal is in an activated state, wherein the powered-on state is a state in which the payment terminal is kept powered on; the digital currency card application device pays digital currency according to a payment setting according to the result of the comparison, comprising: if the amount to be paid is smaller than or equal to the preset authentication-free amount, the digital currency card application device pays the digital currency according to the authentication-free payment setting; and if the amount to be paid is larger than the preset authentication-free amount, the digital currency card application device pays the digital currency according to the authentication payment setting.

Optionally, said paying said digital currency according to an authentication-free payment setting comprises: the digital currency card application device obtains the authentication-free payment accumulated times and/or the upper limit setting of accumulated amount; if the accumulated number of times of payment and/or the upper limit of accumulated amount of authentication-free payment are not set, the digital currency of the amount to be paid is paid to the collection device in an authentication-free manner; if the upper limit of the accumulated number and/or the accumulated amount of the authentication-free payment is set, determining that the accumulated number and/or the accumulated amount of the current authentication-free payment does not exceed the upper limit of the set accumulated number and/or the accumulated amount of the authentication-free payment, and then paying the digital currency of the amount to be paid to the cash register in an authentication-free manner.

Optionally, before comparing the amount to be paid in the digital currency payment request with a preset authentication-free amount, the method further includes: the preset authentication-free amount is preset through the digital currency APP of the payment terminal; before determining that the accumulated number and/or the accumulated amount of the current authentication-free payment do not exceed the set upper limit of the accumulated number and/or the accumulated amount of the authentication-free payment, the method further comprises the following steps: and presetting the upper limit of the accumulated payment times and/or accumulated amounts of the authentication-free through the digital currency APP of the payment terminal.

Optionally, the digital currency card application device pays the digital currency according to an authenticated payment setting, including: the digital money card application device obtains a setting on whether to start an authentication payment function; if the authentication payment function is not set, the digital currency of the amount to be paid is paid to the collection equipment without authentication; if the authentication payment function is set to be started, user authentication is carried out through an authentication interface, and after authentication is passed, the digital currency of the amount to be paid is paid to the collection device.

Optionally, the authenticating the user through the authentication interface includes: the digital currency card application device reports an authentication HCI (host control interface protocol) message to an authentication module of the payment terminal so that the authentication module displays an authentication interface, and user authentication is performed through the authentication interface in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password.

Optionally, before the payment of the digital currency according to the payment setting, the method includes: and the payment terminal and the collection equipment mutually send respective user certificates, and the user certificates of the received opposite sides are used for authenticating the user identities of the opposite sides respectively, and the user identity authentication of the opposite sides is confirmed to pass.

Optionally, the digital currency card application device is operated in a security unit of the payment terminal, shares a power supply with the payment terminal, but is independent of an operating system between the digital currency card application device and the payment terminal, and is always in an activated state when the payment terminal is in any power supply state.

Optionally, the digital money card application device is automatically set to be always in an activated state after the digital money function is opened.

According to another aspect of an embodiment of the present invention, there is provided a digital money collection method.

A digital money collection method, comprising: when the collection terminal is in a power-on shutdown state or a power-off shutdown state, the digital currency card application device in an activated state in the collection terminal responds to a digital currency collection request to acquire collection setting, wherein the power-on shutdown state is a state that the collection terminal is kept powered off but the power supply electric quantity is enough to support power-on operation, and the electric quantity required by the power-on operation is larger than the electric quantity required by the operation of an NFC chip and an SE chip in the collection terminal; the power-off state is a state that the collection terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal; and carrying out digital currency collection according to the collection setting.

Optionally, the digital currency collection according to the collection setting includes: determining that a collection function is started in the power-off state or the power-off state according to the collection setting, and acquiring a collection amount upper limit value and/or a collection pen number upper limit value in the collection setting; and executing the collection operation of the digital currency, wherein the collection operation does not exceed the collection limit value and/or the collection pen number upper limit value.

Optionally, before the digital currency collection according to the collection setting, the method includes: and the user certificates of the two parties of the collection terminal and the payment equipment are mutually transmitted, the user identities of the two parties are respectively authenticated by utilizing the received user certificates of the two parties, and the user identities of the two parties are confirmed to pass authentication.

Optionally, the digital currency card application device is operated in a security unit of the collection terminal, shares a power supply with the collection terminal, is independent from an operating system between the collection terminal and the digital currency card application device, and is always in an activated state when the collection terminal is in any power supply state.

According to yet another aspect of an embodiment of the present invention, there is provided a digital money card application device.

A digital money card application device provided in a payment terminal and always in an activated state, the device comprising: the system comprises a limit judging module, a digital currency payment module and a digital currency payment module, wherein the limit judging module is used for responding to a digital currency payment request and comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit; and the digital currency payment module is used for paying digital currency according to the payment setting according to the comparison result.

Optionally, when the current power state of the payment terminal is a related power-off state or a non-power-off state, the digital currency card application device in the payment terminal is in an activated state, wherein the related power-off state is a state that the payment terminal keeps being powered off but the power supply is sufficient to support a power-on operation, and the power required by the power-on operation is greater than the power required by the operation of the NFC chip and the SE chip in the payment terminal; the non-power off state is a state that the payment terminal keeps off and the power supply quantity is insufficient to support the starting operation, but can supply power for the NFC chip and the SE chip in the payment terminal; the digital currency payment module is further configured to: and confirming that the amount to be paid is smaller than or equal to the preset authentication-free amount, and then paying the digital currency according to the authentication-free payment setting.

Optionally, when the current power state of the payment terminal is an powered-on state, the digital currency card application device in the payment terminal is in an activated state, wherein the powered-on state is a state in which the payment terminal is kept powered on; the digital currency payment module is further configured to: if the amount to be paid is smaller than or equal to the preset authentication-free amount, paying the digital currency according to the authentication-free payment setting; and if the amount to be paid is larger than the preset authentication-free amount, paying the digital currency according to the authentication payment setting.

Optionally, the digital currency payment module is further configured to: acquiring upper limit setting of accumulated payment times and/or accumulated amount of authentication-free; if the accumulated number of times of payment and/or the upper limit of accumulated amount of authentication-free payment are not set, the digital currency of the amount to be paid is paid to the collection device in an authentication-free manner; if the upper limit of the accumulated number and/or the accumulated amount of the authentication-free payment is set, determining that the accumulated number and/or the accumulated amount of the current authentication-free payment does not exceed the upper limit of the set accumulated number and/or the accumulated amount of the authentication-free payment, and then paying the digital currency of the amount to be paid to the cash register in an authentication-free manner.

Optionally, the method further comprises: the setting module is used for setting the preset authentication-free amount through the digital currency APP of the payment terminal in advance, and setting the accumulated payment times and/or the upper limit of the accumulated amount of the authentication-free amount through the digital currency APP of the payment terminal in advance.

Optionally, the digital currency payment module is further configured to: acquiring a setting on whether to start an authentication payment function; if the authentication payment function is not set, the digital currency of the amount to be paid is paid to the collection equipment without authentication; if the authentication payment function is set to be started, user authentication is carried out through an authentication interface, and after authentication is passed, the digital currency of the amount to be paid is paid to the collection device.

Optionally, the digital currency payment module includes an authentication request sub-module for: and reporting an authentication HCI message to an authentication module of the payment terminal so that the authentication module displays an authentication interface, and carrying out user authentication in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password through the authentication interface.

Optionally, the method further comprises a first authentication module for: and sending the user certificate of the payment terminal to the collection equipment, receiving the user certificate sent by the collection equipment, authenticating the user identity of the collection equipment by using the received user certificate of the collection equipment, and confirming that the user identity authentication of the collection equipment and the payment terminal passes.

Optionally, the digital currency card application device is operated in a secure unit of the payment terminal, shares a power source with the payment terminal, but is independent of an operating system of the payment terminal.

A digital money card application device provided in a cash register terminal and always in an activated state, the device comprising: the digital currency collection device comprises a collection request receiving module, a collection request receiving module and a collection control module, wherein the collection request receiving module is used for responding to a digital currency collection request when a collection terminal is in a power-on power-off state or a power-off state, the power-on power-off state is a state that the collection terminal keeps power off but the power supply electric quantity is enough to support power-on operation, and the electric quantity required by the power-on operation is larger than the electric quantity required by the operation of an NFC chip and an SE chip in the collection terminal; the power-off state is a state that the collection terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal; and the digital currency collection module is used for collecting digital currency according to the collection setting.

Optionally, the digital money receiving module is further configured to: determining that a collection function is started in the power-off state or the power-off state according to the collection setting, and acquiring a collection amount upper limit value and/or a collection pen number upper limit value in the collection setting; and executing the collection operation of the digital currency, wherein the collection operation does not exceed the collection limit value and/or the collection pen number upper limit value.

Optionally, the method further comprises a second authentication module for: and sending the user certificate of the receiving terminal to the payment equipment, receiving the user certificate sent by the payment equipment, authenticating the user identity of the receiving terminal by using the received user certificate of the payment equipment, and confirming that the user identity authentication of the payment equipment and the receiving terminal passes.

Optionally, the digital currency card application operates in a secure unit of the cash register terminal, sharing power with the cash register terminal, but operating systems independent of each other with the cash register terminal.

According to yet another aspect of an embodiment of the present invention, there is provided a payment terminal for paying digital money.

A payment terminal for paying digital currency, comprising the digital currency card application device provided by the embodiment of the invention, and further comprising an authentication module, wherein: the authentication module is used for carrying out user authentication in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password through the authentication interface after receiving the authentication HCI message reported by the digital currency card application device.

According to yet another aspect of an embodiment of the present invention, an electronic device is provided.

An electronic device, comprising: one or more processors; and a memory for storing one or more programs, which when executed by the one or more processors, cause the one or more processors to implement the digital money payment method or the digital money collection method provided by the embodiment of the present invention.

According to yet another aspect of an embodiment of the present invention, a computer-readable medium is provided.

A computer-readable medium has stored thereon a computer program which, when executed by a processor, implements a digital money payment method or a digital money collection method provided by an embodiment of the present invention.

One embodiment of the above invention has the following advantages or benefits: the digital currency card application device in an activated state in the payment terminal responds to the digital currency payment request, and the amount to be paid in the digital currency payment request is compared with a preset authentication-free amount; the digital money card application means pays digital money according to the payment setting based on the result of the comparison. The authentication-free payment method can realize authentication-free payment of digital currency based on user authentication and authentication-free payment of the payment terminal in a power-on scene and authentication-free payment of digital currency based on the payment terminal in a power-off or power-on scene when the equipment is in a black screen. In another embodiment, when the collection terminal is in a power-on power-off state or a power-off state, the digital currency card application device in an activated state in the collection terminal responds to a digital currency collection request to acquire collection settings; digital money collection is performed according to the collection setting. The digital currency collection of the collection terminal under the condition of no power-off or power-on and power-off can be realized.

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

Drawings

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

FIG. 1 is a schematic diagram of the main steps of a digital currency payment method according to one embodiment of the present invention;

FIG. 2 is a schematic flow diagram of a payment terminal powered on to pay digital currency in accordance with one embodiment of the present invention;

FIG. 3 is a schematic flow chart of a payment terminal for digital currency in an powered-on or powered-off state according to one embodiment of the present invention;

FIG. 4 is a schematic diagram of interactions for paying digital currency in a powered on state of a mobile intelligent device according to one embodiment of the present invention;

FIG. 5 is an interactive schematic diagram of a mobile smart device paying digital currency upon a power-off or a power-on in accordance with one embodiment of the present invention;

FIG. 6 is a schematic diagram of the main steps of a digital currency collection method according to one embodiment of the present invention;

FIG. 7 is a schematic diagram of the main modules of a digital money card application device according to one embodiment of the invention;

FIG. 8 is a schematic diagram of the main modules of a digital money card application device according to another embodiment of the invention;

FIG. 9 is a schematic diagram of the main constitution of a payment terminal for paying digital money according to one embodiment of the present invention;

FIG. 10 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

fig. 11 is a schematic diagram of a computer system suitable for use in implementing the terminal device of the embodiment of the present invention.

Detailed Description

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

Fig. 1 is a schematic diagram of the main steps of a digital money payment method according to an embodiment of the present invention. As shown in fig. 1, the digital money payment method according to an embodiment of the present invention mainly includes the following steps S101 to S102.

Step S101: and the digital currency card application device in an activated state in the payment terminal responds to the digital currency payment request, and compares the amount to be paid in the digital currency payment request with a preset authentication-free amount.

Step S102: the digital money card application means pays digital money according to the payment setting based on the result of the comparison.

The payment terminal and the collection device of the embodiment of the invention can be mobile intelligent devices. Specifically, the payment terminal may be a smart phone, a smart watch, a smart bracelet, etc., and the money receiving device may be a smart phone, a smart watch, a smart bracelet, a smart POS machine, etc.

The payment terminal can be provided with a digital currency APP (application program), and the digital currency APP is used for setting the preset authentication-free amount of the digital currency.

The digital currency card application device of the embodiment of the invention is different from digital currency APP, the digital currency card application device runs in a security unit (SE) of a payment terminal and shares a power supply with the payment terminal, but the operating systems of the digital currency card application device and the payment terminal are independent from each other, and the operating systems of the digital currency card application device and the payment terminal are independent from each other, namely COS (chip operating system) is different from the operating system of the payment terminal. In any power state of the payment terminal, the digital currency card application device is always in an activated state. Digital currency card applications typically do not have a corresponding user-oriented interface in the payment terminal, while digital currency APP has a user-oriented interface. The digital money card application device is automatically set to be always in an activated state after the digital money function is opened.

The payment terminal establishes a communication connection, in particular a near field communication connection, with the payment device to receive a digital money payment request.

In one embodiment, when the current power state of the payment terminal is a power-on/power-off state or a power-off-free state, the digital currency card application device in the payment terminal is in an activated state, wherein the power-on/power-off state is a state that the payment terminal keeps power off but the power supply is sufficient to support power-on operation, the power required by the power-on operation of the payment terminal is greater than the power required by the operation of an NFC chip and an SE chip in the payment terminal, and the SE chip is a hardware carrier of a Security Element (SE); the power-off state is a state in which the payment terminal remains off and the power supply quantity is insufficient to support the power-on operation, but can supply power for the NFC chip and the SE chip in the payment terminal. The digital currency card application device pays digital currency according to payment setting according to a result of comparing the amount to be paid with a preset authentication-free amount, and the method specifically comprises the following steps: the digital currency card application device judges whether the amount to be paid is smaller than or equal to a preset authentication-free amount, and if the amount to be paid is confirmed to be smaller than or equal to the preset authentication-free amount, the digital currency is paid according to the authentication-free payment setting. If the amount to be paid is confirmed to be larger than the preset authentication-free amount, ending the transaction flow, and ending the payment.

In one embodiment, the digital money card application device in the payment terminal is in an activated state when the current power state of the payment terminal is an powered-on state, wherein the powered-on state is a state in which the payment terminal remains powered on. The digital currency card application device pays digital currency according to payment setting according to a result of comparing the amount to be paid with a preset authentication-free amount, and the method specifically comprises the following steps: if the amount to be paid is smaller than or equal to the preset authentication-free amount, the digital currency card application device pays digital currency according to the authentication-free payment setting; if the amount to be paid is greater than the preset authentication-free amount, the digital currency card application device pays the digital currency according to the authentication payment setting.

Paying digital currency according to authentication-free payment setting may specifically include: the digital currency card application device obtains the authentication-free payment accumulated times and/or the upper limit setting of the accumulated amount; if the accumulated number of the authentication-free payments and/or the upper limit of the accumulated amount are not set, the digital currency of the amount to be paid is paid to the collection device in an authentication-free manner; if the accumulated number of times and/or the upper limit of the accumulated amount of the authentication-free payment are set, judging whether the accumulated number of times and/or the accumulated amount of the current authentication-free payment exceeds the set accumulated number of times and/or the upper limit of the accumulated amount of the authentication-free payment, and if the accumulated number of times and/or the accumulated amount of the current authentication-free payment are determined not to exceed the set accumulated number of times and/or the upper limit of the accumulated amount of the authentication-free payment, paying the digital currency of the amount to be paid to the cash collecting equipment in an authentication-free manner.

If the accumulated times and/or the accumulated amount of the current authentication-free payment exceeds the upper limit of the set accumulated times and/or the accumulated amount of the authentication-free payment, corresponding processing is executed according to the current power state of the payment terminal, specifically, if the current power state is an electric startup state, digital currency can be paid according to the authentication payment setting, namely, user authentication is carried out through an authentication interface, and after authentication passes, the digital currency of the amount to be paid is paid to the collection device; if the current power state is the related power-off state or the non-power-off state, the transaction flow is ended, and the payment is terminated.

Before comparing the amount to be paid in the digital currency payment request with the preset authentication-free amount, the method further comprises the following steps: the method comprises the steps of presetting a preset authentication-free limit through digital currency APP of a payment terminal.

Before determining that the current accumulated number and/or accumulated amount of authentication-free payment does not exceed the set upper limit of the accumulated number and/or accumulated amount of authentication-free payment, the method further comprises: the method comprises the steps of presetting the upper limit of the accumulated number and/or accumulated amount of payment without authentication through the digital currency APP of the payment terminal.

The digital currency card application device pays digital currency according to the authentication payment setting, and specifically may include: the digital currency card application device obtains a setting on whether to start an authentication payment function; if the authentication payment function is not set, the digital currency of the amount to be paid is paid to the collection equipment without authentication; if the authentication payment function is set to be started, user authentication is carried out through the authentication interface, and after authentication is passed, digital currency of the amount to be paid is paid to the collection device.

User authentication through an authentication interface may specifically include: the digital currency card application device reports the authentication HCI message to an authentication module of the payment terminal, so that the authentication module displays an authentication interface, and user authentication is performed through the authentication interface in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password. The authentication module of the payment terminal may be implemented based on a mobile payment instrument in the payment terminal, for example, a mobile phone of the payment terminal, for example, a mobile phone PAY, which may provide an authentication interface for user authentication.

Before the digital currency is paid according to the payment setting, the payment terminal and the collection device mutually send respective user certificates, the user certificates of the opposite sides are respectively utilized to authenticate the user identities of the opposite sides, and the user identities of the opposite sides are confirmed to pass authentication. If the identity authentication of either one of the two parties fails, the transaction flow is terminated, and the digital currency payment cannot be performed.

The application of digital currency to the security element SE of the mobile intelligent device is a new field, and NFC bump-and-bump payment based on the weak current scene of the mobile intelligent device of the security element SE is an innovative technology. The weak current state of the mobile intelligent device means that when the mobile intelligent device is powered off without power failure (complete power failure), the voltage is generally about 3.4V, the NFC power is very low, the residual electric quantity in the powered off state can still supply power to the NFC chip and the SE chip, and the condition that the safety unit SE works normally is met. In the embodiment of the invention, the mobile intelligent device is used as the payment terminal, and based on the requirement that the user of the mobile intelligent device with the security element SE still has payment and digital currency collection, the user cannot carry out identity authentication when the payment terminal is in the power-off state or the power-off state, so that authentication-free payment can be realized. In addition, the embodiment of the invention can realize the secure element SE authentication payment or authentication-free payment digital currency when the payment terminal is in the power-on state.

Fig. 2 is a schematic flow chart of a payment terminal for digital currency by powering on according to one embodiment of the invention. The payment terminal of the embodiment can be a mobile intelligent device such as a smart phone, a smart watch, a smart bracelet and the like. As shown in fig. 2, the process of paying digital money by powering on the payment terminal includes:

step S201: when the payment terminal pays digital money in the power-on state, the payment terminal receives the amount to be paid sent by the collection device, and judges whether the amount to be paid is smaller than or equal to a preset authentication-free amount.

The powered-on state of the payment terminal is a state in which the payment terminal is kept powered on.

The digital money card application device of the payment terminal can be used for judging whether the amount to be paid is smaller than or equal to the preset authentication-free amount. The digital currency card application device is operated in a Secure Element (SE) of the payment terminal, and can be always in an activated state under the states of power-on, power-off, power-on and the like of the payment terminal.

Step S202: if the amount to be paid is smaller than or equal to the preset authentication-free amount, the collection device and the payment terminal send respective user certificates to each other, the user certificates sent by the other side are used for authenticating the user identities of the other side, and after the user identities of the two sides pass, the payment terminal does not need to pay the digital currency in an authentication-free manner.

As an optional implementation manner, in the power-on state of the payment terminal, it is also possible to set that one authentication is required after payment for a plurality of rounds, that is, set the upper limit of the accumulated number of times of payment without authentication.

Step S203: if the amount to be paid is larger than the preset authentication-free amount, the digital currency card application device of the payment terminal reports an authentication HCI message to the authentication module of the payment terminal, after the authentication module passes, the collection device and the payment terminal send respective user certificates to each other, the user certificates sent by the other side are used for authenticating the user identity of the other side respectively, and after the user identities of the two sides pass, the payment terminal pays digital currency.

After authentication, the authentication module of the payment terminal informs the digital currency card application device of the payment terminal of the authentication result, if the authentication is passed, the payment terminal sends digital currency to the payment device after the payment device and the payment terminal send user certificates to each other and authenticate the identity. If the authentication is not passed, or if the authentication is passed but either party identity is not passed, the payment is terminated.

Fig. 3 is a flow chart of a payment terminal according to an embodiment of the present invention for paying digital money in an electric power-off or a non-electric power-off state. The payment terminal of the embodiment can be a mobile intelligent device such as a smart phone, a smart watch, a smart bracelet and the like. As shown in fig. 3, the process of paying digital money in the power-off or power-off state of the payment terminal includes:

Step S301: when the payment terminal pays the digital currency in the power-off or power-off state, the payment terminal receives the amount to be paid sent by the collection device and judges whether the amount to be paid is smaller than or equal to a preset authentication-free amount.

The power-on/off state of the payment terminal is a state in which the payment terminal remains powered off but the power supply is sufficient to support power-on operation. The electric quantity required by the start-up operation of the payment terminal is larger than the electric quantity required by the operation of the NFC chip and the SE chip in the payment terminal.

The payment terminal power-off state refers to a state that the payment terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the payment terminal. The payment terminal in the power-off state is in a weak current state, and is powered off due to the fact that the payment terminal is power-off, but is not completely powered off at the moment.

In the power-on or power-off state of the payment terminal, the digital currency card application device of the security unit SE of the payment terminal is in an activated state, and the payment terminal is in a black screen state.

Step S302: if the amount to be paid is smaller than or equal to the preset authentication-free amount, the collection device and the payment terminal send respective user certificates to each other, the user certificates sent by the other side are used for authenticating the user identities of the other side, and after the user identities of the two sides pass, the payment terminal does not need to pay the digital currency in an authentication-free manner.

After receiving the digital currency paid by the payment terminal, the collection device verifies the signature of the received digital currency by using the root certificate so as to verify the authenticity of the digital currency, and if the verification is passed, the collection device collects the digital currency. The root certificate may be issued by a central banking digital currency system. If the signature verification is not passed, the transaction is ended, and the payment flow is ended.

Step S303: if the amount to be paid is greater than the preset authentication-free amount, the transaction is ended.

The collection device of the embodiment of the invention can be mobile intelligent devices such as a smart phone, a smart watch, a smart bracelet, a smart POS machine and the like, the collection device can realize the collection of digital currency in a power-off or power-on state, when the collection device collects the digital currency in the power-off or power-on state, the digital currency card application device of the collection device safety unit SE is in an activated state, the collection device is in a black screen, and after the collection device and the payment terminal send user certificates to each other and authenticate the identity, the collection device collects the digital currency.

FIG. 4 is a schematic diagram of interactions for paying digital currency when a mobile intelligent device is powered on, according to one embodiment of the present invention. The payment terminal of the present embodiment is exemplified by a mobile phone terminal, and it will be understood by those skilled in the art that the flow of the present embodiment is equally applicable to the case where the payment terminal is a mobile smart device other than a mobile phone terminal. The mobile phone terminal is provided with a mobile phone PAY, a security unit, a digital currency card application device and a communication module, wherein the digital currency card application device and the communication module are operated on the security unit, and the communication module can be a module which can receive NFC field intensity in the mobile phone terminal and establish near field communication connection with a cash collecting device, and the digital currency card application device is always in an activated state. The mobile phone PAY is a convenient mobile payment tool based on an NFC chip. The collection device is exemplified by a digital money POS. The interaction flow among the mobile phone PAY, the security unit, the digital currency card application device running on the security unit, the communication module of the mobile phone terminal and the digital currency POS machine is as follows:

Step S401: the digital currency POS side inputs the amount to be paid of the digital currency to be charged, initiating the collection.

Step S402: the mobile phone terminal bumps the digital currency POS machine to prepare payment.

Specifically, the communication module of the mobile phone terminal establishes connection with the digital currency POS by receiving NFC field intensity.

Step S403: the digital currency card application device of the mobile phone terminal safety unit SE receives a payment initialization instruction sent by a digital currency POS machine and judges whether the amount to be paid exceeds a preset authentication-free amount;

if the amount to be paid exceeds the preset authentication-free limit, the HCI message is reported to the mobile phone PAY, and then step S404 is executed.

If the amount to be paid does not exceed the preset authentication-free amount, the collection device and the payment terminal exchange user certificates to verify the validity of the user identities of the collection device and the payment terminal, and step S407 is executed after the verification is passed.

The user certificates are exchanged between the payment receiving device and the payment terminal to verify the legitimacy of the user identities of the payment receiving device, specifically, the user certificates of the payment receiving device (digital currency POS machine) are mutually sent between the payment terminal and the payment receiving device, the user certificates of the opposite side are respectively utilized to authenticate the user identities of the opposite side, and if the user identities of the two sides pass, the user identity authentication of the two sides indicates that the user identities of the two sides are legal.

Step S404: the page of the mobile phone PAY displays an authentication interface, and the user authenticates at the authentication interface.

Step S405: the handset PAY informs the authentication result to the digital money card application means of the security element SE.

Step S406: the digital currency card application device of the mobile phone terminal judges whether the authentication passes or not.

If the authentication is passed, the collection device and the payment terminal exchange user certificates to verify the validity of the user identities of the collection device and the payment terminal, and step S407 is executed after the verification is passed. If the authentication is not passed, or if the authentication is passed but the user identity is not passed, the transaction flow is ended, i.e. payment is terminated, the case where the authentication is not passed is not shown in fig. 4.

Step S407: the digital money card application device of the mobile phone terminal security unit SE sends digital money to the money receiving device for payment.

Step S408: the digital currency POS machine collects money.

Specifically, the digital currency POS machine verifies the signature of the received digital currency by using the root certificate so as to verify the authenticity of the digital currency, if the digital currency passes the verification, the collection is executed, and otherwise, the transaction flow is ended. The root certificate may be issued by a central banking digital currency system.

Step S409: the digital currency POS displays and notifies the result of the receipt.

Step S410: the digital money card application device of the mobile phone terminal security unit SE receives the collection result sent by the digital money POS machine.

Step S411: the digital money card application device of the mobile phone terminal security unit SE reports the HCI message of the payment result corresponding to the received payment result to the mobile phone PAY.

Step S412: the mobile phone PAY displays the payment result.

FIG. 5 is an interactive schematic diagram of a mobile smart device paying digital currency in a power-off or power-on state, according to one embodiment of the present invention. The mobile smart device in this embodiment is a payment terminal, and specifically, a mobile phone terminal is taken as an example, and it can be understood by those skilled in the art that the mobile phone terminal in this embodiment may be replaced by any mobile smart device such as a smart watch and a smart bracelet. The mobile phone terminal is provided with a mobile phone PAY, a security unit, a digital currency card application device running on the security unit and a communication module, and the digital currency card application device is always in an activated state. The collection device is exemplified by a digital money POS. The interaction flow among the mobile phone PAY, the security unit, the digital currency card application device running on the security unit, the communication module of the mobile phone terminal and the digital currency POS machine is as follows:

Step S501: the receiving side of the digital currency POS machine inputs the amount to be paid of the digital currency to be received, and initiates collection.

Step S502: the mobile phone terminal bumps the digital currency POS machine to prepare payment.

Step S503: the digital currency card application device of the mobile phone terminal safety unit SE receives a payment initialization instruction sent by a digital currency POS machine and judges whether the amount to be paid exceeds a preset authentication-free amount;

if the amount to be paid exceeds (i.e. is greater than) the preset authentication-free amount, ending the transaction flow, namely ending the payment;

if the amount to be paid does not exceed (i.e. is less than or equal to) the preset authentication-free amount, the collection device and the payment terminal exchange user certificates to verify the legitimacy of the user identities of the collection device and the payment terminal, and step S504 is executed after the verification is passed. If the user identity authentication is not passed, namely the user identity is illegal, the payment is terminated.

Step S504: the digital money card application device of the mobile phone terminal security unit SE sends digital money to the money receiving device for payment.

Step S505: the digital currency POS machine collects money.

Specifically, the digital currency POS machine verifies the signature of the received digital currency by using the root certificate so as to verify the authenticity of the digital currency, if the digital currency passes the verification, the collection is executed, and otherwise, the transaction flow is ended.

Step S506: the digital currency POS displays and notifies the result of the receipt.

Step S507: the digital money card application device of the mobile phone terminal security unit SE receives the collection result sent by the digital money POS machine.

Fig. 6 is a schematic diagram of the main steps of a digital money collection method according to an embodiment of the present invention. As shown in fig. 6, the digital money collection method according to an embodiment of the present invention mainly includes the following steps S601 to S602.

Step S601: and when the collection terminal is in the power-on power-off state or the power-off state, the digital currency card application device in the activated state in the collection terminal responds to the digital currency collection request to acquire collection setting.

The power-off state is a state that the charging terminal keeps off but the power supply is sufficient to support the power-on operation, and the power required by the power-on operation of the charging terminal is greater than the power required by the operation of the NFC chip and the SE chip in the charging terminal.

The power-off state is a state in which the collection terminal remains off and the power supply quantity is insufficient to support the power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal.

Step S602: digital money collection is performed according to the collection setting.

Specifically, determining that the collection function is started in the related power-off state or the non-power-off state according to the collection setting, and acquiring a collection amount upper limit value and/or a collection pen number upper limit value in the collection setting; and performing a collection operation on the digital money without exceeding the upper limit value of the collection amount and/or the upper limit value of the collection amount.

Before digital money collection is carried out according to the collection setting, the collection terminal and the payment equipment mutually send respective user certificates, the user certificates of the received opposite sides are used for authenticating the user identities of the opposite sides respectively, and the user identity authentication of the two sides is confirmed to pass.

The digital currency card application device runs in a safety unit of the cash register terminal and shares a power supply with the cash register terminal, but the digital currency card application device and the cash register terminal are independent from each other in an operation system, and is always in an activated state when the cash register terminal is in any power supply state. The digital money card application device is automatically set to be always in an activated state after the digital money function is opened.

FIG. 7 is a schematic diagram of the main modules of a digital money card application device according to one embodiment of the invention. As shown in fig. 7, the digital money card application 700 of one embodiment of the present invention is provided in a payment terminal and is always in an activated state. The digital money card application 700 includes: a credit judgment module 701 and a digital currency payment module 702.

The credit judgment module 701 is configured to compare an amount to be paid in the digital currency payment request with a preset authentication-free credit in response to the digital currency payment request.

And a digital currency payment module 702 for paying digital currency according to the payment setting according to the result of the comparison.

In one embodiment, when the current power state of the payment terminal is a power-on power-off state or a power-off state, the digital currency card application device in the payment terminal is in an activated state, wherein the power-on power-off state of the payment terminal is a state that the payment terminal is kept powered off but the power supply electric quantity is enough to support a power-on operation, and the electric quantity required by the power-on operation of the payment terminal is larger than the electric quantity required by the operation of the NFC chip and the SE chip in the payment terminal; the power-off state of the payment terminal is a state that the payment terminal keeps power-off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the payment terminal. The digital currency payment module 702 is specifically configured to: and confirming that the amount to be paid is smaller than or equal to a preset authentication-free amount, and then setting the payment digital currency according to the authentication-free payment.

In one embodiment, the digital money card application device in the payment terminal is in an activated state when the current power state of the payment terminal is an powered-on state, wherein the powered-on state is a state in which the payment terminal remains powered on. The digital money payment module 702 may be specifically configured to: if the amount to be paid is smaller than or equal to the preset authentication-free amount, setting the payment digital currency according to the authentication-free payment; and if the amount to be paid is larger than the preset authentication-free amount, setting the digital currency for payment according to the authentication payment.

In one embodiment, the digital money payment module 702 is specifically further configured to: acquiring upper limit setting of accumulated payment times and/or accumulated amount of authentication-free; if the accumulated number of the authentication-free payments and/or the upper limit of the accumulated amount are not set, the digital currency of the amount to be paid is paid to the collection device in an authentication-free manner; if the upper limit of the accumulated number and/or the accumulated amount of the authentication-free payment is set, determining that the accumulated number and/or the accumulated amount of the current authentication-free payment does not reach the upper limit of the set accumulated number and/or the accumulated amount of the authentication-free payment, and paying the digital currency of the amount to be paid to the cash register in an authentication-free manner.

In one embodiment, the digital money card application 700 further includes a setting module for setting a preset authentication-free amount through the digital money APP of the payment terminal in advance, and setting an upper limit of the accumulated number of times and/or the accumulated amount of payment of authentication-free through the digital money APP of the payment terminal in advance.

In one embodiment, the digital money payment module 702 is further configured to: acquiring a setting on whether to start an authentication payment function; if the authentication payment function is not set, the digital currency of the amount to be paid is paid to the collection equipment without authentication; if the authentication payment function is set to be started, user authentication is carried out through the authentication interface, and after authentication is passed, digital currency of the amount to be paid is paid to the collection device.

The digital money payment module 702 may include an authentication request sub-module for: reporting the authentication HCI message to an authentication module of the payment terminal so that the authentication module displays an authentication interface, and carrying out user authentication by one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password through the authentication interface.

The digital money card application 700 may further include a first authentication module for: and sending the user certificate of the payment terminal to the collection device, receiving the user certificate sent by the payment device, authenticating the user identity of the collection device by using the received user certificate of the collection device, and confirming that the user identities of the collection device and the payment terminal pass the authentication.

The digital currency card application 700 operates in a secure unit of the payment terminal, shares a power supply with the payment terminal, but is independent of an operating system between the payment terminal and the digital currency card application 700, and is always in an activated state in any one of power-on, power-off and power-on states of the payment terminal.

Fig. 8 is a schematic diagram of main modules of a digital money card application device according to another embodiment of the present invention. As shown in fig. 8, a digital money card application 800 according to an embodiment of the present invention is provided in a cash register terminal and is always in an activated state, and the digital money card application 800 mainly includes: a collection request receiving module 801, a digital money collection module 802.

The collection request receiving module 801 is configured to respond to a digital currency collection request when the collection terminal is in a related power-off state or a non-related power-off state, and obtain collection settings, where the related power-off state is a state in which the collection terminal remains powered off but the power supply is sufficient to support a power-on operation, and the power required for the power-on operation of the collection terminal is greater than the power required for the operation of the NFC chip and the SE chip in the collection terminal; the power-off state of the collection terminal is a state that the collection terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal.

The digital money collection module 802 is used for collecting digital money according to collection setting.

The digital money collection module 802 may be specifically configured to: determining whether a power-off state or a power-off state is related according to the collection setting, starting the collection function, and acquiring a collection amount upper limit value and/or a collection pen number upper limit value in the collection setting; and performing a collection operation on the digital money without exceeding the upper limit value of the collection amount and/or the upper limit value of the collection amount.

The digital money card application 800 may further include a second authentication module for: and sending the user certificate of the receiving terminal to the payment equipment, receiving the user certificate sent by the payment equipment, authenticating the user identity of the receiving terminal by using the received user certificate of the payment equipment, and confirming that the user identities of the payment equipment and the receiving terminal pass the authentication.

The digital money card application 800 operates in a secure unit of the cash register terminal, shares a power source with the cash register terminal, but is independent of an operating system of the cash register terminal.

Fig. 9 is a schematic diagram of main constitution of a payment terminal for paying digital money according to an embodiment of the present invention. The payment terminal 900 for paying digital money according to one embodiment of the present invention mainly includes a digital money card application 901, and also includes an authentication module 902. Payment terminal 900 may also include a communication module, wherein: the module configuration of the digital money card application 901 and the functions of each module are the same as those of the digital money card application 700, and the description thereof is omitted. The communication module is used for establishing communication connection with the collection device, in particular near field communication connection. The authentication module 902 is configured to perform user authentication through an authentication interface in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password after receiving the authentication HCI message reported by the digital currency card application apparatus 901.

Fig. 10 illustrates an exemplary system architecture 1000 to which the digital money payment method, the digital money collection method, or the digital money card application device of the embodiment of the present invention may be applied.

As shown in fig. 10, a system architecture 1000 may include terminal devices 1001, 1002, 1003, a network 1004, and a server 1005. The network 1004 serves as a medium for providing a communication link between the terminal apparatuses 1001, 1002, 1003 and the server 1005. The network 1004 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user can interact with a server 1005 via a network 1004 using terminal apparatuses 1001, 1002, 1003 to receive or transmit messages or the like. Various communication client applications such as shopping class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, etc. (by way of example only) may be installed on the terminal devices 1001, 1002, 1003.

The terminal devices 1001, 1002, 1003 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 1005 may be a server providing various services, such as a background management server (merely an example) providing support for shopping-type websites browsed by the user using the terminal apparatuses 1001, 1002, 1003. The background management server may analyze and process the received data such as the product information query request, and feedback the processing result (e.g., the target push information, the product information—only an example) to the terminal device.

It should be noted that the digital money payment method or the digital money collection method provided by the embodiment of the present invention is generally performed by the terminal devices 1001, 1002, 1003, and accordingly, the digital money card application device is generally provided in the terminal devices 1001, 1002, 1003.

It should be understood that the number of terminal devices, networks and servers in fig. 10 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 11, there is illustrated a schematic diagram of a computer system 1100 suitable for use in implementing a terminal device or server in accordance with embodiments of the present application. The terminal device or server illustrated in fig. 11 is merely an example, and should not impose any limitation on the functionality and scope of use of the embodiments of the present application.

As shown in fig. 11, the computer system 1100 includes a Central Processing Unit (CPU) 1101, which can execute various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 1102 or a program loaded from a storage section 1108 into a Random Access Memory (RAM) 1103. In the RAM 1103, various programs and data required for the operation of the system 1100 are also stored. The CPU 1101, ROM 1102, and RAM 1103 are connected to each other by a bus 1104. An input/output (I/O) interface 1105 is also connected to bus 1104.

The following components are connected to the I/O interface 1105: an input section 1106 including a keyboard, a mouse, and the like; an output portion 1107 including a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and the like, a speaker, and the like; a storage section 1108 including a hard disk or the like; and a communication section 11011 including a network interface card such as a LAN card, a modem, and the like. The communication section 11011 performs communication processing via a network such as the internet. The drive 1110 is also connected to the I/O interface 1105 as needed. Removable media 1111, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like, is installed as needed in drive 1110, so that a computer program read therefrom is installed as needed in storage section 1108.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program can be downloaded and installed from a network via the communication portion 11011, and/or installed from the removable media 1111. The above-described functions defined in the system of the present application are performed when the computer program is executed by a Central Processing Unit (CPU) 1101.

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

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

The modules involved in the embodiments of the present invention may be implemented in software or in hardware. The described modules may also be provided in a processor, for example, as: a processor comprises a credit judging module and a digital currency payment module. The names of these modules do not constitute a limitation on the module itself in some cases, for example, the credit judgment module may also be described as "for comparing the amount to be paid in a digital money payment request with a preset authentication-free credit" in response to the digital money payment request.

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by a device, cause the device to include: the digital currency card application device in an activated state in the payment terminal responds to a digital currency payment request, and the amount to be paid in the digital currency payment request is compared with a preset authentication-free amount; the digital money card application device pays digital money according to the payment setting according to the result of the comparison. Alternatively, the apparatus is caused to include: when the collection terminal is in a power-on shutdown state or a power-off shutdown state, the digital currency card application device in an activated state in the collection terminal responds to a digital currency collection request to acquire collection setting, wherein the power-on shutdown state is a state that the collection terminal is kept powered off but the power supply electric quantity is enough to support power-on operation, and the electric quantity required by the power-on operation is larger than the electric quantity required by the operation of an NFC chip and an SE chip in the collection terminal; the power-off state is a state that the collection terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal; and carrying out digital currency collection according to the collection setting.

According to the technical scheme of the embodiment of the invention, the digital currency card application device in an activated state in the payment terminal responds to the digital currency payment request, and the amount to be paid in the digital currency payment request is compared with the preset authentication-free amount; the digital money card application means pays digital money according to the payment setting based on the result of the comparison. The authentication-free payment method can realize authentication-free payment of digital currency based on user authentication and authentication-free payment of the payment terminal in a power-on scene and authentication-free payment of digital currency based on the payment terminal in a power-off or power-on scene when the equipment is in a black screen. In another embodiment, when the collection terminal is in a power-on power-off state or a power-off state, the digital currency card application device in an activated state in the collection terminal responds to a digital currency collection request to acquire collection settings; digital money collection is performed according to the collection setting. The digital currency collection of the collection terminal under the condition of no power-off or power-on and power-off can be realized.

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

Claims

1. A digital money payment method, comprising:

the method comprises the steps that a digital currency card application device in an activated state in a payment terminal responds to a digital currency payment request, and the amount to be paid in the digital currency payment request is compared with a preset authentication-free amount;

the digital money card application device pays digital money according to the payment setting according to the result of the comparison.

2. The method of claim 1, wherein the digital money card application device in the payment terminal is in an active state when the current power state of the payment terminal is a power-on off state or a power-off state, wherein the power-on off state is a state in which the payment terminal remains off but the power supply is sufficient to support a power-on operation, and the power required for the power-on operation is greater than the power required for the operation of the NFC chip and the SE chip in the payment terminal; the non-power off state is a state that the payment terminal keeps off and the power supply quantity is insufficient to support the starting operation, but can supply power for the NFC chip and the SE chip in the payment terminal;

the digital currency card application device pays digital currency according to a payment setting according to the result of the comparison, comprising:

And the digital currency card application device confirms that the amount to be paid is smaller than or equal to the preset authentication-free amount, and then pays the digital currency according to the authentication-free payment setting.

3. The method of claim 1, wherein the digital money card application device in the payment terminal is in an active state when the current power state of the payment terminal is an powered on state, wherein the powered on state is a state in which the payment terminal remains powered on;

if the amount to be paid is smaller than or equal to the preset authentication-free amount, the digital currency card application device pays the digital currency according to the authentication-free payment setting;

and if the amount to be paid is larger than the preset authentication-free amount, the digital currency card application device pays the digital currency according to the authentication payment setting.

4. A method according to claim 2 or 3, wherein said paying said digital currency in accordance with an authentication-free payment setting comprises:

the digital currency card application device obtains the authentication-free payment accumulated times and/or the upper limit setting of accumulated amount;

If the accumulated number of times of payment and/or the upper limit of accumulated amount of authentication-free payment are not set, the digital currency of the amount to be paid is paid to the collection device in an authentication-free manner;

if the upper limit of the accumulated number and/or the accumulated amount of the authentication-free payment is set, determining that the accumulated number and/or the accumulated amount of the current authentication-free payment does not exceed the upper limit of the set accumulated number and/or the accumulated amount of the authentication-free payment, and then paying the digital currency of the amount to be paid to the cash register in an authentication-free manner.

5. The method of claim 4, wherein prior to comparing the amount to be paid in the digital currency payment request with a preset authentication-free credit, further comprising: the preset authentication-free amount is preset through the digital currency APP of the payment terminal;

before determining that the accumulated number and/or the accumulated amount of the current authentication-free payment do not exceed the set upper limit of the accumulated number and/or the accumulated amount of the authentication-free payment, the method further comprises the following steps: and presetting the upper limit of the accumulated payment times and/or accumulated amounts of the authentication-free through the digital currency APP of the payment terminal.

6. A method according to claim 3, wherein the digital currency card application device pays the digital currency in accordance with an authenticated payment setting, comprising:

The digital money card application device obtains a setting on whether to start an authentication payment function;

if the authentication payment function is not set, the digital currency of the amount to be paid is paid to the collection equipment without authentication;

if the authentication payment function is set to be started, user authentication is carried out through an authentication interface, and after authentication is passed, the digital currency of the amount to be paid is paid to the collection device.

7. The method of claim 6, wherein the authenticating the user through the authentication interface comprises:

the digital currency card application device reports an authentication HCI message to an authentication module of the payment terminal so that the authentication module displays an authentication interface, and user authentication is performed through the authentication interface in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password.

8. The method of claim 1, wherein prior to the payment of digital currency in accordance with the payment setting, comprising:

and the payment terminal and the collection equipment mutually send respective user certificates, and the user certificates of the received opposite sides are used for authenticating the user identities of the opposite sides respectively, and the user identity authentication of the opposite sides is confirmed to pass.

9. The method of claim 1, wherein the digital money card application device is operated in a secure unit of the payment terminal, shares a power source with the payment terminal, but is independent of an operating system of the payment terminal, and is always in an activated state when the payment terminal is in any power source state.

10. The method of claim 9, wherein the digital money card application device is automatically set to be always in an activated state after the digital money function is opened.

11. A digital money collection method, comprising:

when the collection terminal is in a power-on shutdown state or a power-off shutdown state, the digital currency card application device in an activated state in the collection terminal responds to a digital currency collection request to acquire collection setting, wherein the power-on shutdown state is a state that the collection terminal is kept powered off but the power supply electric quantity is enough to support power-on operation, and the electric quantity required by the power-on operation is larger than the electric quantity required by the operation of an NFC chip and an SE chip in the collection terminal; the power-off state is a state that the collection terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal;

And carrying out digital currency collection according to the collection setting.

12. The method of claim 11, wherein the performing digital currency collection in accordance with the collection setting comprises:

determining that a collection function is started in the power-off state or the power-off state according to the collection setting, and acquiring a collection amount upper limit value and/or a collection pen number upper limit value in the collection setting;

and executing the collection operation of the digital currency, wherein the collection operation does not exceed the collection limit value and/or the collection pen number upper limit value.

13. The method of claim 11, wherein prior to the digital currency collection in accordance with the collection setting, comprising:

and the user certificates of the two parties of the collection terminal and the payment equipment are mutually transmitted, the user identities of the two parties are respectively authenticated by utilizing the received user certificates of the two parties, and the user identities of the two parties are confirmed to pass authentication.

14. The method of claim 11, wherein the digital currency card application device is operated in a secure unit of the collection terminal, is powered commonly with the collection terminal, but is independent of an operating system of the collection terminal, and is always activated when the collection terminal is in any powered state.

15. The method of claim 14, wherein the digital money card application is automatically set to be always in an active state after the digital money function is opened.

16. A digital money card application device, provided in a payment terminal and always in an activated state, the device comprising:

the system comprises a limit judging module, a digital currency payment module and a digital currency payment module, wherein the limit judging module is used for responding to a digital currency payment request and comparing the amount to be paid in the digital currency payment request with a preset authentication-free limit;

and the digital currency payment module is used for paying digital currency according to the payment setting according to the comparison result.

17. A digital money card application device, provided in a cash register terminal and always in an activated state, the device comprising:

the digital currency collection device comprises a collection request receiving module, a collection request receiving module and a collection control module, wherein the collection request receiving module is used for responding to a digital currency collection request when a collection terminal is in a power-on power-off state or a power-off state, the power-on power-off state is a state that the collection terminal keeps power off but the power supply electric quantity is enough to support power-on operation, and the electric quantity required by the power-on operation is larger than the electric quantity required by the operation of an NFC chip and an SE chip in the collection terminal; the power-off state is a state that the collection terminal keeps power off and the power supply quantity is insufficient to support power-on operation, but can supply power for the NFC chip and the SE chip in the collection terminal;

And the digital currency collection module is used for collecting digital currency according to the collection setting.

18. A payment terminal for payment of digital currency comprising the digital currency card application device of claim 14, further comprising an authentication module, wherein:

the authentication module is used for carrying out user authentication in one or more authentication modes of fingerprint, face, iris, voiceprint, gesture and password through the authentication interface after receiving the authentication HCI message reported by the digital currency card application device.

19. An electronic device, comprising:

one or more processors;

a memory for storing one or more programs,

the one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 1-15.

20. A computer readable medium, on which a computer program is stored, which computer program, when being executed by a processor, implements the method according to any of claims 1-15.