CN117911023A

CN117911023A - Transaction method, device, electronic equipment and storage medium

Info

Publication number: CN117911023A
Application number: CN202410145653.2A
Authority: CN
Inventors: 狄刚; 穆长春; 崔沛东; 陈松; 于鹏
Original assignee: Institute of Printing Science and Technology Peoples Bank of China
Current assignee: Institute of Printing Science and Technology Peoples Bank of China
Priority date: 2024-02-01
Filing date: 2024-02-01
Publication date: 2024-04-19

Abstract

The embodiment of the present invention discloses a transaction method, device, electronic device and storage medium, and relates to the field of computer technology. A specific implementation of the method includes: the acceptance terminal sends a capability negotiation request to the hardware wallet; the hardware wallet returns the first information according to the capability negotiation request, and the acceptance terminal determines that the hardware wallet has display capability according to the carrier capability information, and records the echo mark; the acceptance terminal generates a transaction instruction according to the first information and sends the transaction instruction to the hardware wallet; the hardware wallet generates and sends transaction information to the acceptance terminal according to the transaction instruction, and the transaction information includes the carrier capability information; the acceptance terminal sends the transaction information to the background; the background generates and sends the second information to the acceptance terminal according to the transaction information, and the second information includes the echo instruction when the background determines that the hardware wallet has display capability. This implementation optimizes the information interaction process of the hardware wallet in the transaction and improves the user experience.

Description

Transaction method, device, electronic equipment and storage medium

Technical Field

The present invention relates to the field of computer technologies, and in particular, to a transaction method, a device, an electronic apparatus, and a storage medium.

Background

With the continuous development of computer technology and information security technology, the application scenes of digital wallets are wider and wider, and the use scenes are richer. The general digital wallet comprises a software wallet and a hardware wallet, wherein the hardware wallet can conduct off-line transaction, a receiving terminal sends transaction information to a background, the background conducts transaction processing, and after off-line transaction is completed for a certain number of times, related transaction data and information need to be synchronized and updated in a connecting mode.

The hardware wallet needs to conduct information interaction to complete transaction, and unsmooth information interaction process often causes poor using body feeling of the hardware wallet in the transaction process, and poor user experience.

Disclosure of Invention

In view of the above, the embodiments of the present invention provide a transaction method, apparatus, electronic device, and storage medium, which optimize the information interaction process of a hardware wallet in a transaction, and improve the use experience of a user.

To achieve the above object, according to a first aspect of an embodiment of the present invention, there is provided a transaction method including;

accepting a capability negotiation request sent by a terminal to a hardware wallet;

The hardware wallet returns first information to the acceptance terminal according to the capability negotiation request; the first information comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability or not, the acceptance terminal judges that the hardware wallet has the display capability according to the carrier capability information, and the display-back identification is recorded;

The acceptance terminal generates a transaction instruction according to the first information and sends the transaction instruction to the hardware wallet;

The hardware wallet generates and transmits transaction information to the acceptance terminal according to the transaction instruction, wherein the transaction information comprises carrier capability information;

The receiving terminal sends the transaction information to the background;

the background generates and sends second information to the acceptance terminal according to the transaction information, wherein the second information comprises a return display instruction when the background judges that the hardware wallet has display capability according to the carrier capability information;

The acceptance terminal responds to the echo identification and sends an echo instruction to the hardware wallet;

And the hardware wallet updates the display content according to the back display instruction.

In some embodiments of the invention, further comprising:

After the accepting terminal receives the transaction information, the accepting terminal responds to the echo display identification to send out a first prompt so as to prompt the communication between the hardware wallet and the accepting terminal to be maintained.

In some embodiments of the invention, the return instruction includes transaction amount information, balance information, two-dimensional code information, and/or transaction detail information; the display content updated by the hardware wallet according to the back display instruction comprises transaction amount, balance, two-dimensional code and/or transaction details.

In some embodiments of the present invention, the hardware wallet includes a visualization module and a visualization interface, and updating the display content according to the echo instruction includes:

The hardware wallet calls a visual interface according to transaction amount information, balance information, two-dimensional code information and/or transaction detail information;

the visualization module performs an update operation by which the display content on the visualization module is updated, the updated display content including transaction amount, balance, two-dimensional code, and/or transaction details.

In some embodiments of the invention, further comprising:

and after receiving the second information, the acceptance terminal responds to the echo display identification to send out a second prompt so as to prompt the communication between the hardware wallet and the acceptance terminal to be maintained.

In some embodiments of the invention, further comprising: before the receiving terminal sends the echo instruction to the hardware wallet, if the communication connection failure between the hardware wallet and the receiving terminal is detected, the receiving terminal sends a third prompt to prompt the recovery of the communication between the hardware wallet and the receiving terminal.

In some embodiments of the present invention, after the acceptance terminal sends the echo instruction to the hardware wallet, if it is detected that the communication connection between the hardware wallet and the acceptance terminal fails and the acceptance terminal does not receive a message that the update display content of the hardware wallet is successful, the acceptance terminal sends a fourth prompt to resume the communication between the hardware wallet and the acceptance terminal; wherein the fourth hint is the same as or different from the third hint.

In some embodiments of the invention, further comprising: if the acceptance terminal sends out the third prompt or the fourth prompt and the success of the communication connection between the hardware wallet and the acceptance terminal is not detected within the preset time, the acceptance terminal sends out the fifth prompt, and the fifth prompt is used for prompting that the updating of the display content fails.

In some embodiments of the invention, the carrier capability information characterizes whether the hardware wallet has display capability through an identification bit field.

In a second aspect of the embodiment of the present invention, a transaction method is provided, applied to an acceptance terminal, including:

The method comprises the steps that an acceptance terminal receives first information sent by a hardware wallet; the first information is generated by the hardware wallet according to the capability negotiation request; the first information includes carrier capability information configured to characterize whether the hardware wallet has display capabilities;

The acceptance terminal generates a transaction instruction according to the first information, sends the transaction instruction to the hardware wallet, judges that the hardware wallet has display capability according to the carrier capability information, and records the back display identification;

the method comprises the steps that a receiving terminal receives transaction information sent by a hardware wallet, wherein the transaction information is generated by the hardware wallet according to a transaction instruction, and the transaction information comprises carrier capacity information;

the receiving terminal sends the transaction information to the background so that the background generates second information according to the transaction information, and when the background judges that the hardware wallet has display capability according to the carrier capability information, the second information generated by the background comprises a return display instruction;

Receiving second information sent by a background by the receiving terminal;

and the acceptance terminal sends the display instruction to the hardware wallet so that the hardware wallet updates the display content of the hardware wallet according to the display instruction.

In some embodiments of the invention, further comprising:

After the accepting terminal receives the transaction information sent by the hardware wallet, the accepting terminal sends a first prompt to keep the communication between the hardware wallet and the accepting terminal in response to the fact that the accepting terminal records the echo identification.

In some embodiments of the invention, further comprising:

After the receiving terminal receives the second information sent by the background, responding to the receiving terminal to record a display-back mark, and sending a second prompt by the receiving terminal to prompt the communication between the hardware wallet and the receiving terminal; wherein the second hint is the same or different from the first hint.

In some embodiments of the invention, further comprising:

Before the receiving terminal sends the echo instruction to the hardware wallet, if the communication connection failure between the hardware wallet and the receiving terminal is detected, the receiving terminal sends a third prompt to prompt the recovery of the communication between the hardware wallet and the receiving terminal.

In some embodiments of the invention, further comprising:

After the acceptance terminal sends the feedback instruction to the hardware wallet, if the communication connection between the hardware wallet and the acceptance terminal is detected to fail and a message that the update display content of the hardware wallet is successful is not received, the acceptance terminal sends a fourth prompt to prompt the restoration of the communication between the hardware wallet and the acceptance terminal; wherein the fourth hint is the same as or different from the third hint.

In some embodiments of the invention, further comprising:

if the acceptance terminal sends out the third prompt or the fourth prompt and the success of the communication connection between the hardware wallet and the acceptance terminal is not detected within the preset time, the acceptance terminal sends out the fifth prompt, and the fifth prompt is used for prompting that the updating of the display content fails.

In a third aspect of the embodiment of the present invention, there is provided a transaction apparatus applied to an acceptance terminal, including:

A communicator configured to communicate with a hardware wallet, a background;

a memory configured to store the echo identification according to the hardware wallet having the display capability record;

At least one processor configured to:

The control communicator sends a capability negotiation request to the hardware wallet;

generating a transaction instruction according to the received first information and sending the transaction instruction to a hardware wallet; the first information is generated by the hardware wallet according to the capability negotiation request; the first information includes carrier capability information configured to characterize whether the hardware wallet has display capabilities; judging that the hardware wallet has display capability according to the carrier capability information, and recording a back display identifier to a memory;

The control communicator receives the transaction information sent by the hardware wallet and sends the transaction information to the background, so that the background generates second information according to the transaction information, when the background judges that the hardware wallet has display capability according to the carrier capability information, the second information generated by the background comprises a back display instruction; the transaction information is generated by a hardware wallet according to a transaction instruction, wherein the transaction information comprises carrier capacity information;

The control communicator receives second information sent by the background;

The control communicator sends the echo instruction to the hardware wallet so that the hardware wallet updates the display content of the hardware wallet according to the echo instruction.

In a fourth aspect of the embodiment of the present invention, there is provided an electronic device, including:

one or more processors;

storage means for storing one or more programs,

When the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the transaction methods provided by the embodiments of the present invention.

In a fifth aspect of the embodiments of the present invention, there is provided a computer readable medium having stored thereon a computer program which, when executed by a processor, implements the transaction method provided by the embodiments of the present invention.

One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, the first information returned by the hardware wallet comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability, the acceptance terminal records the callback identification in response to the fact that the hardware wallet has the display capability, in the transaction process, the background generates and sends second information to the acceptance terminal according to the transaction information, when the background judges that the hardware wallet has the display capability according to the carrier capability information, the second information comprises a callback instruction, and the acceptance terminal sends the callback instruction to the hardware wallet to update display content. Dividing the hardware wallet into a display capability and a non-display capability, returning first information comprising carrier capability information through the hardware wallet, marking whether the hardware wallet has the visual capability by a receiving terminal, determining whether a generated second information contains a return instruction according to the carrier capability information in the process of transaction processing by a background, and updating display content by the hardware wallet if the second information contains the return instruction; in the use process of the hardware wallet, through the set carrier capability information, the hardware wallet can be recorded by the acceptance terminal in the capability negotiation process, only when the hardware wallet has visual capability, the display content is updated, the information required to be transmitted in the transaction process is clear, the information interaction efficiency is improved, a user can intuitively see the transaction balance or the transaction details in the hardware wallet after each transaction, the user can intuitively see the transaction condition of the hardware wallet, the use experience of the user is improved, the number gap is reduced through intuitively displaying the transaction information, and the hardware wallet is favorably used in the aging group.

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 a transaction system according to an embodiment of the invention;

FIG. 2 is one of the flow charts of the transaction method of one embodiment of the present invention;

FIG. 3 is a second flow chart of a transaction method according to an embodiment of the invention;

FIG. 4 is a schematic diagram of the architecture of a hardware wallet in a transaction system according to one embodiment of the invention;

FIG. 5 is a schematic illustration of interface changes during an example transaction by the visualization module of FIG. 4; FIG. 5 (a) is a schematic diagram of the interface of the visualization module prior to a transaction; FIG. 5 (b) is a schematic diagram of the interface of the visualization module during a transaction; FIG. 5 (c) is a schematic diagram of the interface of the visualization module after a transaction;

FIG. 6 is a schematic diagram of the main modules of a transaction device according to an embodiment of the invention;

FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be applied;

Fig. 8 is a schematic diagram of a computer system suitable for use in implementing an embodiment of the invention.

Detailed Description

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

It should be noted that the terms "first," "second," and the like in the description and the claims of the present application and the above figures are used for distinguishing between similar objects and not necessarily for describing a particular sequential or chronological order. It is to be understood that the data so used may be interchanged where appropriate such that the embodiments of the application described herein may be implemented in sequences other than those illustrated or otherwise described herein. The implementations described in the following exemplary examples do not represent all implementations consistent with the application. Rather, they are merely examples of apparatus and methods consistent with aspects of the application as detailed in the accompanying claims.

In addition, in the description of the embodiments of the present disclosure, "/" means or, unless otherwise indicated, for example, a/B may mean a or B. "and/or" herein is merely an association relationship describing an association object, and means that three relationships may exist, for example, a and/or B may mean: a exists alone, A and B exist together, and B exists alone. In addition, in the description of the embodiments of the present disclosure, "a plurality" means two or more than two.

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

With the continuous development of computer technology and information security technology, the application scenes of digital wallets are wider and wider, and the use scenes are richer. The hardware wallet is used as an important support carrier of the digital wallet, and the transaction is completed through information interaction, so that the digital wallet has the characteristics of convenience, rapidness and safety in payment. However, under the current use environment and payment ecological architecture, the unsmooth information interaction process results in poor use sense of the hardware wallet in the transaction process and poor user experience.

After a great deal of user researches, the creative discovery is that one of the important reasons for the problems is that the information interaction modes of the hardware wallets, the receiving terminals and the background are fixed, and the flow and the mode of the information interaction for different types of hardware wallets are not considered to be adjusted; this leads to confusion in the information interaction process; for example, for a certain kind of hardware wallet, unwanted information is redundantly transferred; for another kind of hardware wallet, for example, the information to be transferred is judged to be confused with the nodes to be transferred, and even the security of the information transfer is reduced; in summary, the unsmooth information interaction process results in poor using body feeling of the hardware wallet in the transaction process, and poor user experience.

In view of the above technical problems, the present application provides a transaction method, in which first information returned by a hardware wallet includes carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability, a receiving terminal records a playback identifier in response to the hardware wallet having display capability, during a transaction process, a background generates and sends second information to the receiving terminal according to the transaction information, when the background determines that the hardware wallet has display capability according to the carrier capability information, the second information includes a playback instruction, and the receiving terminal sends the playback instruction to the hardware wallet to update display content. Dividing the hardware wallet into a display capability and a non-display capability, returning first information comprising carrier capability information through the hardware wallet, marking whether the hardware wallet has the visual capability by a receiving terminal, determining whether a generated second information contains a return instruction according to the carrier capability information in the process of transaction processing by a background, and updating display content by the hardware wallet if the second information contains the return instruction; in the use process of the hardware wallet, through the set carrier capability information, the hardware wallet can be recorded by the acceptance terminal in the capability negotiation process, only when the hardware wallet has visual capability, the display content is updated, the information required to be transmitted in the transaction process is clear, the information interaction efficiency is improved, a user can intuitively see the transaction balance or the transaction details in the hardware wallet after each transaction, the user can intuitively see the transaction condition of the hardware wallet, the use experience of the user is improved, the number gap is reduced through intuitively displaying the transaction information, and the hardware wallet is favorably used in the aging group.

The following provides a brief description of the implementation environment (implementation architecture) involved in the method provided by the present application.

The transaction method provided by the embodiment of the application can be applied to a transaction system. FIG. 1 is a schematic diagram of a transaction system according to an embodiment of the application; as shown in fig. 1, the transaction system includes a hardware wallet 11, a reception terminal 12, and a background 13. The hardware wallet 11 and the receiving terminal 12 may be connected in a wireless manner, and the receiving terminal 12 and the background 13 may be connected in a wired manner or a wireless manner, so as to implement interaction of data information among the hardware wallet 11, the receiving terminal 12 and the background 13.

The hardware wallet refers to a digital RMB carrier with a security module. The expression form of the hardware wallet security module medium is not limited, and may be a SIM card (Subscriber Identity Module, a client identification module), an IC card (integrated circuit card ), a full-terminal eSE (Embedded Secure Element, embedded security module), a wearable device, and the like. The medium is used as a carrier of the hardware wallet application and is required to be detected by a detection mechanism appointed by a people bank. The hardware wallets 11 may be classified into hardware wallets having display capabilities (also referred to as visual hardware wallets) and hardware wallets not having display capabilities; the display capability may be implemented by a visualization device provided for the hardware wallet alone, or may be implemented by a visualization device (such as a mobile phone screen, a tablet computer screen, etc.) provided by a medium serving as a carrier of the application of the hardware wallet. The visualization device may be in the form of a screen, such as an electronic screen (e.g., duan Mabing, a dot matrix screen, etc.), an ink screen, etc.; or may be displayed using virtual display techniques (e.g., holographic projection, etc.).

The reception terminal 12 is a terminal device capable of receiving DC/EP services, and includes POS, ATM, and the like. The DC/EP business refers to a digital money/electronic payment business for supporting the technical ecosystem of digital renminbi operations. The reception terminal 12 interacts with the hardware wallet, acquires payment information, and transmits the payment information to the institution background. In some embodiments of the present invention, the accepting terminal 12 can accept other electronic payment services in addition to the DC/EP service, and the accepting terminal can adjust the transaction mode according to the user setting or the transaction counter-party situation.

The system of the background 13 comprises a receipt mechanism background, a payment mechanism background, an interconnection platform and the like for carrying out transaction information transmission, transaction information verification, receipt and payment and the like; is responsible for providing hardware wallet functions such as personal and data, wallet management, receipt and payment transactions, etc.

FIG. 2 is one of the flow charts of the transaction method of one embodiment of the present invention; in some embodiments, the transaction method described above may be applied to the transaction system shown in fig. 1, such as the hardware wallet 11, the receiving terminal 12, the background 13, and other similar devices.

As shown in FIG. 2, the transaction method provided by the embodiment of the application comprises the following steps S201-S208.

S201: the acceptance terminal sends a transaction instruction to the visual hardware wallet.

In the digital money field, capability negotiation is embodied as feature negotiation between a hardware wallet and an accepting terminal. The feature negotiation refers to classifying according to various service modes, technical implementation schemes and key capabilities related to hardware medium forms (card wallet, intelligent watch, mobile phone terminal, bracelet, POS machine, IC card, ATM and the like) of the hardware wallet, and each mechanism achieves intercommunication among the mechanisms according to capability interaction and feature negotiation requirements, and part of functions in the mechanism can be realized according to service requirements in the implementation process. For example, the feature negotiation instruction may include an identifier of a digital currency operating mechanism corresponding to both parties (or multiple parties) of the transaction. It is possible to determine whether a transaction is performed between the same digital money operation institutions or between different digital money operation institutions by the feature negotiation information. By way of example, the feature negotiation information may include information such as an operator identification G corresponding to the digital money wallet account opened by the seller, and an operator identification H corresponding to the digital money wallet account of the purchaser. The executing body obtains the feature negotiation information in the hardware carrier in the digital currency wallet, then sends the transaction application to the background, the background sends the transaction application to the corresponding digital currency operation mechanism through encryption processing, the corresponding digital currency operation mechanism receives the message and then carries out decryption processing, deduction processing is completed, and a result is returned to the executing body. Feature negotiations may include parameters such as expression version information, application version information, transaction mode, terminal type, networking capabilities, etc. Through the characteristic negotiation flow, the selection of a quick transaction mode can be realized.

In some embodiments of the invention, the capability negotiation request includes transaction mode, application version, terminal modality, etc. The transaction mode comprises online or offline, double online, single offline and double offline; the application version is transaction negotiation version number; the terminal mode is a mode of receiving a terminal, and is, for example, a private POS, a public POS, a vending machine, or the like.

S202: the hardware wallet returns first information to the acceptance terminal according to the capability negotiation request; the first information comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability or not, the acceptance terminal judges that the hardware wallet has display capability according to the carrier capability information, and the display-back identification is recorded.

The hardware wallet receives a capability negotiation request sent by the acceptance terminal, and returns first information to the acceptance terminal in response to the capability negotiation request; the first information returned by the hardware wallet is negotiation result and self-capability information, and the carrier capability information included in the first information is used for verifying whether the hardware wallet has display capability. It can be understood that, on the one hand, whether the hardware wallet comprises a visualization module can be verified through the capability information of the overload, and on the other hand, whether the visualization function of the visualization module for characterizing the hardware wallet is used well or not can be successfully lightened and displayed and refreshed. The receiving terminal analyzes the acquired carrier capacity information of the hard wallet, if the hard wallet has display capacity, a back display mark is recorded, namely, the hardware wallet is marked as a visual hardware wallet, and an instruction of back displaying the transaction condition (such as transaction amount, balance and the like) is required; otherwise, the record marks the hardware wallet as a non-visual hardware wallet, and subsequent back display is not needed. Whether the return instruction is sent or not can be judged according to whether the record is the mark of the visual hardware wallet or not, so that whether the record is the visual hardware wallet or not can be automatically identified.

In some embodiments of the invention, the carrier capability information characterizes whether the hardware wallet has display capability through an identification bit field; the different identification bit fields characterize the display capabilities of the hardware wallet (whether or not there is display capabilities, whether or not the current visualization module can function properly, etc.). For example, if the identification bit field of the carrier capability information contained in the first information returned by the hardware wallet is 01, the hardware wallet is provided with a visualization module and display capability; the identification bit field of the carrier capacity information contained in the returned first information is 02, and the hardware wallet is represented to have no visualization module; the identifier field of the carrier capability information contained in the returned first information is 03, which represents that the hardware wallet has a visualization module, but the current visualization module cannot work normally (for example, cannot be lightened, cannot be displayed normally, and displays misplacement messy codes).

In some embodiments of the present invention, the first information returned in response to the capability negotiation request further includes whether the negotiation result was successful (match result), transaction mode, hardware type, etc. The hardware type refers to a specific type of the hardware wallet, such as an IC card, a mobile phone SE, a SIM card, and the like.

S203: and the acceptance terminal generates a transaction instruction according to the first information and sends the transaction instruction to the hardware wallet.

S204: the hardware wallet generates and transmits transaction information to the acceptance terminal according to the transaction instruction, wherein the transaction information comprises carrier capability information.

As one possible implementation, the transaction information may include information such as a user identification, a payee identification, a digital currency identification, a transaction amount, a transaction number counter, a carrier capability identification, a terminal random number, a check code MAC, and the like. The user identification is the identification information of the user corresponding to the hardware wallet; the payee identification is identification information of the payee corresponding to the acceptance terminal; the transaction number counter indicates the remaining number of off-line transactions; the carrier capability information may be embodied by a carrier capability identification, the carrier capability information configured to characterize whether the hardware wallet has display capabilities; the terminal random number is used for comparing and preventing transaction replay; the check code MAC is used for information check. The specific transaction information will be described in the following corresponding scenario, which is not described herein.

S205: and the receiving terminal sends the transaction information to the background.

And the receiving terminal transmits the transaction information to the background after receiving the transaction information, and the background carries out transaction processing according to the transaction information. As a possible implementation manner, the transaction information includes a user identifier and a transaction amount, account information corresponding to the hardware wallet can be obtained through the background, the account information includes the account amount, and the balance can be determined through the transaction amount included in the transaction information.

S206: the background generates and sends second information to the acceptance terminal according to the transaction information; responding to the acceptance terminal record with a display back mark, wherein the second information comprises a display back instruction; and when the background judges that the hardware wallet has the display capability according to the carrier capability information, the second information comprises a back display instruction.

When the background judges that the hardware wallet has the display capability according to the carrier capability information, the background generates and sends second information according to the transaction information and at least comprises a back display instruction. After receiving the transaction information sent by the receiving terminal, the background carries out transaction processing according to specific information contained in the transaction information, judges that the receiving terminal records a return display identifier, and generates a return display instruction after executing deduction and other operations according to the transaction amount and account information stored in the background.

As a possible implementation manner, after receiving the transaction information sent by the reception terminal, the background performs judgment and verification operations according to specific information contained in the transaction information; judging and identifying the hardware wallet by using the contained carrier capacity identification information; performing security verification operation by using the contained verification code MAC information; establishing a relation between a hardware wallet and a background corresponding account by utilizing the contained user identification information, payee identification information and digital currency identification information to search the user wallet, changing account balance and recording transaction information; and judging whether the hardware wallet reaches the limit of the transaction times or not by utilizing the contained transaction times counter information.

S207: and the acceptance terminal responds to the echo identification and sends an echo instruction to the hardware wallet.

The display back instruction contains information of display content to be updated by the updating operation. As one possible implementation, the transaction information includes a user identifier, a transaction amount, a transaction number counter, and a payee identifier; the back display instruction correspondingly comprises transaction amount information, balance information, two-dimensional code information and/or transaction detail information, wherein the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information are obtained by background encryption; after the acceptance terminal sends the feedback instruction to the hardware wallet, the hardware wallet decrypts the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information to obtain transaction amount, balance, the two-dimensional code and/or the transaction detail; the display content updated by the second updating operation comprises transaction amount, balance, two-dimensional code and/or transaction details. The two-dimensional code is in a content form which can be displayed by the visualization module, and the information contained in the two-dimensional code can be information such as transaction conditions, merchant conditions, transaction amount, balance, billing website, billing information and the like (can be obtained by scanning terminals such as mobile phones, IPads and the like); the transaction details may be presentation of transaction conditions in text form, merchant conditions, number of remaining offline transactions, etc.

S208: and the hardware wallet updates the display content according to the back display instruction.

In some embodiments of the present invention, the hardware wallet includes a visualization module and a visualization interface, and the step of updating the display content by the hardware wallet according to the echo instruction specifically includes: the hardware wallet calls a visual interface according to transaction amount information, balance information, two-dimensional code information and/or transaction detail information; the visualization module performs an update operation by which the display content on the visualization module is updated, the updated display content including transaction amount, balance, two-dimensional code, and/or transaction details. The hardware wallet includes a visualization interface; the visual interface is an interface for connecting the visual module with other systems or applications; through the interface, the visual module can be conveniently integrated into a hardware wallet system or a hardware wallet application, and functions of visual display, interaction and the like of data are realized; the visualization interface typically complies with certain specifications and standards to ensure interoperability and compatibility between different systems or applications.

In some embodiments of the invention, the hardware wallet performs an update operation comprising: the hardware wallet includes a visualization interface; when or after the hardware wallet decrypts the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information to obtain the transaction amount, the balance, the two-dimensional code and/or the transaction detail, the hardware wallet calls the visual interface according to the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information, and the second updating operation is performed directly through the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information, so that the information processing time can be shortened, and the second updating operation can be performed more rapidly.

The embodiment provided by the application has the following advantages or beneficial effects: the transaction method provided by the embodiment of the application is applied to a transaction system. The first information returned by the hardware wallet comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability or not, the acceptance terminal records a display-back identifier in response to the fact that the hardware wallet has the display capability, in the transaction process, the background generates and sends second information to the acceptance terminal according to the transaction information, when the background judges that the hardware wallet has the display capability according to the carrier capability information, the second information comprises a display-back instruction, and the acceptance terminal sends the display-back instruction to the hardware wallet to update display content. Dividing the hardware wallet into a display capability and a non-display capability, returning first information comprising carrier capability information through the hardware wallet, marking whether the hardware wallet has the visual capability by a receiving terminal, determining whether a generated second information contains a return instruction according to the carrier capability information in the process of transaction processing by a background, and updating display content by the hardware wallet if the second information contains the return instruction; in the use process of the hardware wallet, through the set carrier capability information, the hardware wallet can be recorded by the acceptance terminal in the capability negotiation process, only when the hardware wallet has visual capability, the display content is updated, the information required to be transmitted in the transaction process is clear, the information interaction efficiency is improved, a user can intuitively see the transaction balance or the transaction details in the hardware wallet after each transaction, the user can intuitively see the transaction condition of the hardware wallet, the use experience of the user is improved, the number gap is reduced through intuitively displaying the transaction information, and the hardware wallet is favorably used in the aging group.

FIG. 3 is a second flow chart of a transaction method according to an embodiment of the application; as shown in fig. 3, the transaction method provided in the embodiment of the present application may further include the following S301 to S309.

S301: the hardware wallet responds to the transaction request initiated by the accepting terminal.

Before accepting the terminal to send the capability negotiation request, step S301 is executed, where step S301 specifically includes:

S3011: the acceptance terminal initiates a transaction request. In one possible embodiment, the transaction amount is entered at the recipient terminal in preparation for collection to the user's hardware wallet.

S3012: the user holds the hardware wallet to respond to the transaction request initiated by the acceptance terminal, and the mode of interaction between the acceptance terminal and the hardware wallet can be contact type or non-contact type (such as NFC, bluetooth and the like); the hardware wallet held by the user can be a hardware wallet with display capability or a hardware wallet without display capability. After the hardware wallet receives the transaction request initiated by the acceptance terminal, the two transaction parties (the hardware wallet and the acceptance terminal) send feature negotiation instructions.

After receiving the first information sent by the hardware wallet, the method further includes S302: the receiving terminal judges and processes according to the received first information. In some embodiments of the present invention, the determining by the receiving terminal according to the received first information may include determining a matching result of the receiving terminal and the visual wallet, selecting a transaction mode of the transaction, and so on. The receiving terminal may first determine whether the transaction is successfully matched according to the matching result in the first information, and then determine other capabilities, if the matching result is that the matching is achieved, execute the transaction instruction sent by the receiving terminal to perform the transaction, and send the instruction for obtaining the transaction information to the hardware wallet according to the transaction mode information.

In some embodiments of the invention, the hardware wallet returns transaction information in accordance with the get transaction information instruction after receiving the get transaction information instruction. Before transaction information is sent to the receiving terminal by the hardware wallet, the hardware wallet and the receiving terminal are in multi-round communication, the interacted information is sent from the receiving terminal to the hardware wallet and then sent from the hardware wallet to the receiving terminal, and the accuracy of the information is ensured through verification at one side of the receiving terminal; for example, the transaction amount is determined by the receiving terminal side and sent to the hardware wallet side, when the hardware wallet transmits the transaction information to the receiving terminal, the transaction amount is returned to the receiving terminal again, and the receiving terminal verifies the transaction amount again to verify whether the transaction amount is accurate. For another example, in the process of sending the first information and returning the transaction information by the hardware wallet, the carrier capability information is sent to the receiving terminal, and the receiving terminal can more accurately verify whether the hardware wallet has the display capability through two information transfer.

The background receives the transaction information, and the background executes S304: and processing the transaction information to obtain a transaction result, and generating a feedback instruction according to the carrier capability information.

As one possible implementation manner, the background sends the transaction information to the interconnection platform, the interconnection platform sends the transaction information to the payment operation mechanism, the payment operation mechanism processes the transaction information according to the transaction information to obtain a transaction result, the transaction result is returned to the interconnection platform, the interconnection platform returns the transaction result to the background, and the background records the transaction result.

As one possible implementation manner, the background sends the transaction information to the acceptance operation mechanism, the acceptance operation mechanism identifies the mechanism to which the hardware wallet belongs, and sends the transaction information to the interconnection platform, the interconnection platform sends the transaction information to the payment operation mechanism of the mechanism to which the hardware wallet belongs, the payment operation mechanism processes the transaction information according to the transaction information to obtain a transaction result, and returns the transaction result to the interconnection platform, the interconnection platform returns the transaction result to the acceptance operation mechanism, the acceptance operation mechanism sends the transaction result to the background, and the background records the transaction result.

When the background sends the echo instruction to the receiving terminal, the background executes S305: and sending the transaction result to the acceptance terminal. The transaction result is displayed on the acceptance terminal in a visual display mode, such as screen display and the like, or in a voice broadcast display mode and the like; the content of the transaction result may be a prompt for success or failure of the transaction, a specific transaction amount, etc. The trade results can be conveniently obtained by merchants through the display of the trade results on the acceptance terminal. For a hardware wallet without display capability, since the key point of the hand is not recorded with the callback identification, the background does not send the callback instruction and only sends the transaction result to the receiving terminal.

After the hardware wallet updates the display content, the hardware wallet performs S309: and returning the execution result of the updating operation to the receiving terminal. After receiving the execution result returned by the hardware wallet, the receiving terminal can broadcast information according to the execution result or send out a related prompt for ending the transaction.

As a possible implementation manner, the callback instruction contains transaction amount information, balance information, two-dimensional code information and/or transaction detail information, which are obtained by encrypting in the background. After the echo instruction is sent to the hardware wallet by the acceptance terminal, the method comprises the following steps: the hardware wallet decrypts the display instruction, performs updating operation, decrypts the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information to obtain the transaction amount, the balance, the two-dimensional code and/or the transaction detail, and updates the display content.

In some embodiments of the present invention, S303 is further included: after the accepting terminal receives the transaction information, the accepting terminal responds to the echo display identification and sends out a first prompt, and the first prompt is used for prompting the hardware wallet to be kept in communication with the accepting terminal. The first prompt may be, for example, "do not move during a transaction," "do not move during a transaction," etc.

In some embodiments of the present invention, S306: after the receiving terminal receives the second information, the receiving terminal responds to the echo display identification and sends out a second prompt, and the second prompt is used for prompting the hardware wallet to be kept in communication with the receiving terminal. The second prompt may be, for example, "do not move, in-sync", "in-sync balance", "in-sync transaction information", etc. The trigger time of the first prompt is different from that of the second prompt, the first prompt is used for reminding that the transaction is in progress, and the second prompt is used for reminding that the information is in synchronization, and the communication is kept continuously.

In the process of carrying out the transaction, the information is transmitted among the multiple ends, if the hardware wallet is moved away after being only briefly attached to the acceptance terminal and exceeds the communication distance between the hardware wallet and the acceptance terminal, the information displayed back can not be transmitted to the hardware wallet, even the transaction can be failed because the communication distance between the hardware wallet and the acceptance terminal is too early exceeded by the hardware wallet, and finally the use body feeling of the hardware wallet is poor. Through setting up first suggestion and second suggestion, accept terminal initiative and remind user's transaction's progress status, user perception transaction goes on in real time, guarantees smooth and easy the going on of transaction.

In some embodiments of the present invention, S307 is further included: before the receiving terminal sends the echo instruction to the hardware wallet, if the communication connection failure between the hardware wallet and the receiving terminal is detected, the receiving terminal sends a third prompt, and the third prompt is used for prompting the restoration of the communication between the hardware wallet and the receiving terminal. The third prompt may be, for example, "please re-paste the card, synchronize the balance", "please paste the card, synchronize the balance", etc.

In some embodiments of the present invention, S308 is further included: after the acceptance terminal sends the feedback instruction to the hardware wallet, if the acceptance terminal detects that the communication connection between the hardware wallet and the acceptance terminal fails and the acceptance terminal does not receive a message that the update display content of the hardware wallet is successful, the acceptance terminal sends a fourth prompt, and the fourth prompt is used for prompting the restoration of the communication between the hardware wallet and the acceptance terminal; wherein the fourth hint is the same as or different from the third hint. The fourth prompt may be, for example, "please paste card, continue to synchronize balance", etc.

The consistency of the hardware wallet and background information is poor, the information displayed by the hardware wallet is inaccurate, for example, the information such as display amount and the like cannot be displayed correctly due to communication establishment failure. The transaction and payment process depends on the communication connection between the ends, if the situation of the communication connection terminal caused by abnormal reasons such as the advanced removal of the hardware wallet, network jitter and the like occurs, the hardware wallet can not update correct information in time when information is displayed, for example, the information displayed by the hardware wallet is still the original balance and is inconsistent with the actual amount, and the trouble is caused to the user. In contrast, the transaction terminal detects the communication connection between the hardware wallet and the receiving terminal in real time, and when detecting that the communication connection fails, the transaction terminal gives a prompt to prompt the hardware wallet to execute the operation of approaching the receiving terminal, so that information such as the amount of money can be accurately displayed.

In some embodiments of the present invention, if the receiving terminal does not detect that the communication connection between the hardware wallet and the receiving terminal is successful within the preset time after the receiving terminal sends the third prompt or the fourth prompt, the receiving terminal sends a fifth prompt, and the fifth prompt is used for prompting that updating the display content fails. Aiming at the situation that the acceptance terminal detects that the hardware wallet is far away from the communication range and cannot transfer transaction details to the hardware wallet, the acceptance terminal can carry out fifth prompt to prompt failure of synchronizing information such as balance and the like when the prompt of the third prompt or the fourth prompt exceeds the preset time, and the balance inquiry function can be used for synchronizing the balance and the like subsequently.

The first prompt, the second prompt, the third prompt, the fourth prompt and the fifth prompt are all sent by the receiving terminal, and the form of the first prompt, the second prompt, the third prompt, the fourth prompt and the fifth prompt can be a voice prompt, a text prompt or both. For example, the voice prompt may be performed by a voice broadcast system equipped or connected to the reception terminal, and the text prompt may be performed by a display system equipped or connected to the reception terminal.

After extensive user research, we have creatively found, for example, the following scenarios: in the transaction process, abnormal reasons such as early removal of the hardware wallet, network jitter and the like can cause failure in communication establishment with the acceptance terminal, on one hand, a user cannot acquire the situation of transaction in time, and the hardware wallet can be removed in advance; on the other hand, in the case of failure of the communication connection between the hardware wallet and the reception terminal, the user cannot accurately perceive the communication connection. This results in a user not being able to accurately obtain the exact transaction at the hardware wallet end.

In view of the above-mentioned technical problems, the present application provides a transaction method, after a hardware wallet sends transaction information to a receiving terminal and after a second information is sent to the receiving terminal, the receiving terminal sends a prompt for keeping the hardware wallet in communication with the receiving terminal in response to the receiving terminal recording a callback identifier; before the receiving terminal sends the echo instruction to the hardware wallet and after the receiving terminal sends the echo instruction to the hardware wallet, if the receiving terminal detects that the communication connection between the hardware wallet and the receiving terminal fails, the receiving terminal sends a prompt for prompting that the hardware wallet and the receiving terminal are restored to communicate. Through setting up multi-level suggestion tactics, send the suggestion at the terminal of acceping, can realize that the hardware wallet correctly shows information such as balance according to the demand, promoted user experience.

FIG. 4 is a schematic diagram of the architecture of a hardware wallet in a transaction system according to one embodiment of the invention; the hardware wallet 11 includes a visualization module 111, which visualization module 111 may be a display screen, the hardware wallet 11 being responsive to an acceptance terminal during an example transaction, the visualization module 111 being illuminated; subsequent transaction cases may be updated on the visualization module 111.

FIG. 5 is a schematic illustration of interface changes during an example transaction by the visualization module of FIG. 4; FIG. 5 (a) is a schematic diagram of the interface of the visualization module prior to a transaction; FIG. 5 (b) is a schematic diagram of the interface of the visualization module during a transaction; fig. 5 (c) is a schematic diagram of the interface of the visualization module after a transaction. As shown in fig. 4, 5 (a) - (c), in one embodiment of the present invention, the visual hardware wallet 11 includes a visualization module 111, the visualization module 111 may be a display screen, and during an example transaction, the visual hardware wallet 11 is activated in response to the acceptance terminal, the visualization module 111 is shown as "balance" in the visual module: 100"," offline availability times: 98'; the visual hardware wallet sends transaction information and performs a first updating operation, and the display content on the visual module is updated through the first updating operation as shown in fig. 5 (b), and the visual module displays that 'transaction is in progress and does not leave'; the visual hardware wallet executes a second updating operation according to the back display instruction, and the display content on the visual module is updated through the second updating operation as shown in fig. 5 (c), and the visual module displays "transaction amount" 5.2"," balance: 94.8"," offline availability times: 97".

The foregoing description of the solution provided by the embodiments of the present application has been mainly presented in terms of a method. In order to realize the functions, the hardware wallet, the receiving terminal and the background comprise hardware structures and/or software modules for executing the functions. Those of skill in the art will readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is implemented as hardware or computer software driven hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The embodiment of the application can divide the functional modules of the hardware wallet according to the method, for example, the hardware wallet can comprise each functional module corresponding to each functional division, and two or more functions can be integrated in one processing module. The integrated modules may be implemented in hardware or in software functional modules. It should be noted that, in the embodiment of the present application, the division of the modules is schematic, which is merely a logic function division, and other division manners may be implemented in actual implementation.

For example, FIG. 6 is a schematic diagram of the main modules of a transaction device according to an embodiment of the present application; the embodiment of the application also provides a transaction device, which is applied to the acceptance terminal 12 and comprises:

A communicator 121 configured to communicate with the hardware wallet 11, the background 13;

A memory 122 configured to store the echo identification in response to the hardware wallet 11 having the display capability record;

at least one processor 123 configured to:

The control communicator 121 transmits a capability negotiation request to the hardware wallet 11;

Generating a transaction instruction according to the received first information and sending the transaction instruction to the hardware wallet 11; the first information is sent by the hardware wallet 11 in response to the capability negotiation request; the first information includes carrier capability information configured to characterize whether the hardware wallet 11 has display capabilities;

The control communicator 121 receives the transaction information sent by the hardware wallet 11 and sends the transaction information to the background 13, wherein the transaction information is generated by the hardware wallet 11 according to the transaction instruction;

The control communicator 121 receives the second information transmitted by the background 13; the second information is generated by the background 13 according to the transaction information; if the acceptance terminal records the callback identification, the second information comprises a callback instruction;

the control communicator 121 sends the echo instruction to the hardware wallet 11; the echo instruction is used to update the display content of the hardware wallet 11.

The specific manner in which the various modules perform the operations in the apparatus of the above embodiments have been described in detail in connection with the embodiments of the method, and will not be described in detail herein.

FIG. 7 is an exemplary system architecture diagram in which embodiments of the present invention may be applied; as shown in fig. 7, a system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705. The network 704 is the medium used to provide communication links between the terminal devices 701, 702, 703 and the server 705. The network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 705 via the network 704 using the terminal devices 701, 702, 703 to receive or send messages or the like. Various communication client applications may be installed on the terminal devices 701, 702, 703, such as financial class applications, web browser applications, search class applications, instant messaging tools, mailbox clients, social platform software, and the like (just examples).

The terminal devices 701, 702, 703 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 705 may be a server providing various services, such as a background management server (by way of example only) providing support for websites browsed by users using the terminal devices 701, 702, 703. The background management server can analyze the received data and feed back the processing result to the terminal equipment.

It should be noted that, the transaction method provided in the embodiment of the present invention is generally executed by the server 705, and accordingly, the transaction device is generally disposed in the server 705.

It should be understood that the number of terminal devices, networks and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

Referring now to FIG. 8, there is illustrated a schematic diagram of a computer system 800 suitable for use in implementing a terminal device or server in accordance with an embodiment of the present invention. The terminal device or server shown in fig. 8 is only an example, and should not impose any limitation on the functions and scope of use of the embodiments of the present invention.

As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data required for the operation of the system 800 are also stored. The CPU801, ROM802, and RAM803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to the bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, mouse, etc.; an output portion 807 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 808 including a hard disk or the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. The drive 810 is also connected to the I/O interface 805 as needed. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive 810 as needed so that a computer program read out therefrom is mounted into the storage section 808 as needed.

In particular, according to embodiments of the present disclosure, the processes described above with reference to flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the flow chart. In such an embodiment, the computer program may be downloaded and installed from a network via the communication section 809, and/or installed from the removable media 811. The above-described functions defined in the system of the present invention are performed when the computer program is executed by a Central Processing Unit (CPU) 801.

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

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

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: accepting a capability negotiation request sent by a terminal to a hardware wallet; the hardware wallet returns first information to the acceptance terminal according to the capability negotiation request; the first information comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability or not, the acceptance terminal judges that the hardware wallet has the display capability according to the carrier capability information, and the display-back identification is recorded; the acceptance terminal generates a transaction instruction according to the first information and sends the transaction instruction to the hardware wallet; the hardware wallet generates and transmits transaction information to the acceptance terminal according to the transaction instruction, wherein the transaction information comprises carrier capability information; the receiving terminal sends the transaction information to the background; the background generates and sends second information to the acceptance terminal according to the transaction information, wherein the second information comprises a return display instruction when the background judges that the hardware wallet has display capability according to the carrier capability information; the acceptance terminal responds to the echo identification and sends an echo instruction to the hardware wallet; and the hardware wallet updates the display content according to the back display instruction.

According to the technical scheme of the embodiment of the invention, the first information returned by the hardware wallet comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability, the acceptance terminal responds to the fact that the hardware wallet has the display capability and records the callback identification, in the transaction process, the background generates and sends second information to the acceptance terminal according to the transaction information, when the background judges that the hardware wallet has the display capability according to the carrier capability information, the second information comprises a callback instruction, and the acceptance terminal sends the callback instruction to the hardware wallet to update display content. Dividing the hardware wallet into a display capability and a non-display capability, returning first information comprising carrier capability information through the hardware wallet, marking whether the hardware wallet has the visual capability by a receiving terminal, determining whether a generated second information contains a return instruction according to the carrier capability information in the process of transaction processing by a background, and updating display content by the hardware wallet if the second information contains the return instruction; in the use process of the hardware wallet, through the set carrier capability information, the hardware wallet can be recorded by the acceptance terminal in the capability negotiation process, only when the hardware wallet has visual capability, the display content is updated, the information required to be transmitted in the transaction process is clear, the information interaction efficiency is improved, a user can intuitively see the transaction balance or the transaction details in the hardware wallet after each transaction, the user can intuitively see the transaction condition of the hardware wallet, the use experience of the user is improved, the number gap is reduced through intuitively displaying the transaction information, and the hardware wallet is favorably used in the aging group.

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 method of transacting comprising;

the hardware wallet returns first information to the acceptance terminal according to the capability negotiation request; the first information comprises carrier capability information, the carrier capability information is configured to represent whether the hardware wallet has display capability or not, the acceptance terminal judges that the hardware wallet has the display capability according to the carrier capability information, and a back display identifier is recorded;

The hardware wallet generates and transmits transaction information to the acceptance terminal according to the transaction instruction, wherein the transaction information comprises the carrier capacity information;

the acceptance terminal sends the transaction information to a background;

the background generates and sends second information to the acceptance terminal according to the transaction information, wherein when the background judges that the hardware wallet has display capability according to the carrier capability information, the second information comprises a back display instruction;

The acceptance terminal responds to the echo identification and sends the echo instruction to the hardware wallet;

and the hardware wallet updates display content according to the back display instruction.

2. The transaction method according to claim 1, further comprising:

After the acceptance terminal receives the transaction information, the acceptance terminal responds to the echo identification to send out a first prompt so as to prompt and keep the communication between the hardware wallet and the acceptance terminal.

3. The transaction method according to claim 1, wherein the return instruction includes transaction amount information, balance information, two-dimensional code information, and/or transaction detail information; and the display content updated by the hardware wallet according to the back display instruction comprises transaction amount, balance, two-dimensional code and/or transaction details.

4. A transaction method according to claim 3, wherein the hardware wallet comprises a visualization module and a visualization interface, the hardware wallet updating display content according to the echo instructions comprises:

The hardware wallet invokes the visual interface according to the transaction amount information, the balance information, the two-dimensional code information and/or the transaction detail information;

And the visualization module executes an updating operation, and the display content on the visualization module is updated through the updating operation.

5. The transaction method according to claim 1, further comprising:

And after receiving the second information, the acceptance terminal responds to the feedback identification and sends out a second prompt to keep the communication between the hardware wallet and the acceptance terminal.

6. The transaction method according to claim 1, further comprising: before the receiving terminal sends the feedback instruction to the hardware wallet, if the communication connection failure between the hardware wallet and the receiving terminal is detected, the receiving terminal sends a third prompt to prompt the recovery of the communication between the hardware wallet and the receiving terminal.

7. The transaction method according to claim 6, wherein after the reception terminal sends the echo instruction to the hardware wallet, if it is detected that the communication connection between the hardware wallet and the reception terminal fails and the reception terminal does not receive a message that the update display content of the hardware wallet is successful, the reception terminal sends a fourth prompt to resume the communication between the hardware wallet and the reception terminal; wherein the fourth hint is the same as or different from the third hint.

8. The transaction method according to claim 7, further comprising: if the acceptance terminal sends out the third prompt or the fourth prompt and the communication connection between the hardware wallet and the acceptance terminal is not detected to be successful within the preset time, the acceptance terminal sends out a fifth prompt, and the fifth prompt is used for prompting that the updating of the display content fails.

9. The transaction method according to any of claims 1-8, wherein the carrier capability information characterizes whether the hardware wallet has display capability through an identification bit field.

10. A transaction method applied to an accepting terminal, comprising:

the acceptance terminal sends a capability negotiation request to a hardware wallet;

The receiving terminal receives first information sent by the hardware wallet; the first information is generated by the hardware wallet according to the capability negotiation request; the first information includes carrier capability information configured to characterize whether the hardware wallet has display capability;

The acceptance terminal generates a transaction instruction according to the first information, sends the transaction instruction to the hardware wallet, judges that the hardware wallet has display capability according to carrier capability information, and records a back display identifier;

The acceptance terminal receives transaction information sent by the hardware wallet, wherein the transaction information is generated by the hardware wallet according to the transaction instruction, and the transaction information comprises the carrier capacity information;

the acceptance terminal sends the transaction information to a background so that the background generates second information according to the transaction information, and when the background judges that the hardware wallet has display capability according to the carrier capability information, the second information generated by the background comprises a back display instruction;

The receiving terminal receives second information sent by the background;

And the acceptance terminal sends the feedback instruction to the hardware wallet so that the hardware wallet updates the display content of the hardware wallet according to the feedback instruction.

11. The transaction method according to claim 10, further comprising:

After the acceptance terminal receives the transaction information sent by the hardware wallet, the acceptance terminal sends a first prompt to keep the communication between the hardware wallet and the acceptance terminal in response to the acceptance terminal recording a feedback identification.

12. The transaction method according to claim 11, further comprising:

after the receiving terminal receives the second information sent by the background, responding to the receiving terminal to record a return display mark, and sending a second prompt by the receiving terminal to prompt to keep the communication between the hardware wallet and the receiving terminal; wherein the second hint is the same as or different from the first hint.

13. The transaction method according to any one of claims 10-12, further comprising:

Before the receiving terminal sends the feedback instruction to the hardware wallet, if the communication connection failure between the hardware wallet and the receiving terminal is detected, the receiving terminal sends a third prompt to prompt the recovery of the communication between the hardware wallet and the receiving terminal.

14. The transaction method according to claim 13, further comprising:

15. The transaction method according to claim 14, further comprising:

If the acceptance terminal sends out the third prompt or the fourth prompt and the communication connection between the hardware wallet and the acceptance terminal is not detected to be successful within the preset time, the acceptance terminal sends out a fifth prompt, and the fifth prompt is used for prompting that the updating of the display content fails.

16. A transaction device applied to a reception terminal, comprising:

A communicator configured to communicate with a hardware wallet, a background;

A memory configured to store a return display identifier according to the hardware wallet having a display capability record;

At least one processor configured to:

Controlling the communicator to send a capability negotiation request to a hardware wallet;

Generating a transaction instruction according to the received first information and sending the transaction instruction to the hardware wallet; the first information is generated by the hardware wallet according to the capability negotiation request; the first information includes carrier capability information configured to characterize whether the hardware wallet has display capability; judging that the hardware wallet has display capability according to the carrier capability information, and recording a back display identifier to a memory;

Controlling the communicator to receive the transaction information sent by the hardware wallet and send the transaction information to a background so that the background generates second information according to the transaction information, and when the background judges that the hardware wallet has display capability according to the carrier capability information, the second information generated by the background comprises a back display instruction; the transaction information is generated by the hardware wallet according to the transaction instruction, wherein the transaction information comprises the carrier capacity information;

Controlling the communicator to receive the second information sent by the background;

and controlling the communicator to send the feedback instruction to the hardware wallet so that the hardware wallet updates the display content of the hardware wallet according to the feedback instruction.

17. An electronic device, the electronic device comprising:

one or more processors;

storage means 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 transaction method of any of claims 1-15.

18. A computer readable medium on which a computer program is stored, characterized in that the program, when executed by a processor, implements a transaction method according to any of claims 1-15.