CN118014566A

CN118014566A - Transaction method and transaction system based on digital currency hardware wallet

Info

Publication number: CN118014566A
Application number: CN202410175523.3A
Authority: CN
Inventors: 狄刚
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2024-02-07
Filing date: 2024-02-07
Publication date: 2024-05-10

Abstract

A digital currency hardware wallet-based transaction method and transaction system, the transaction method comprising: the mobile communication device acquires capability information of the digital currency hardware wallet in interaction, and judges whether the digital currency hardware wallet has collection capability, display capability and networking capability according to the capability information; responding to the judgment that the digital currency hardware wallet has the collection capability and the display capability and does not have the networking capability, and sending digital currency transaction information to a background server by the mobile communication device for transaction processing; in response to the back-end server executing the back-end instruction generated after the transaction processing according to the digital currency transaction information, the mobile communication device receives and transmits the back-end instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays the information comprising the transaction amount and the balance through the display capability of the digital currency hardware wallet according to the back-end instruction. The transaction method provides a transaction mode with a digital currency hardware wallet as a cash register terminal.

Description

Transaction method and transaction system based on digital currency hardware wallet

Technical Field

Embodiments of the present disclosure relate to a transaction method and transaction system based on digital currency hardware wallets.

Background

Existing digital wallet transactions are increasing as they provide a simpler transaction process and they have many benefits over conventional transaction techniques including card payment, cash payment, bank transfer, etc.

Digital money hardware wallets are also becoming more and more widely used as one of the digital wallets. However, it is a challenge to use a digital money hardware wallet as a collection terminal to conduct collection transaction, and no related transaction system exists at present.

Disclosure of Invention

At least one embodiment of the present disclosure provides a transaction method based on a digital currency hardware wallet, the method comprising: the mobile communication device acquires capability information of the digital currency hardware wallet in interaction, and judges whether the digital currency hardware wallet has collection capability, display capability and networking capability according to the capability information; responding to the judgment that the digital currency hardware wallet has the collection capability and the display capability and does not have the networking capability, the mobile communication device sends digital currency transaction information to a background server for transaction processing, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; in response to the back-end server executing the back-end instruction generated after the transaction processing according to the digital currency transaction information, the mobile communication device receives and transmits the back-end instruction to the digital currency hardware wallet, so that the digital currency hardware wallet updates and displays the information comprising the transaction amount and the balance through the display capability of the digital currency hardware wallet according to the back-end instruction.

For example, in accordance with a transaction method of at least one embodiment of the present disclosure, when the capability information includes a cash register capability identification indicating that the digital currency hardware wallet is cash register capable, an instruction is sent by the mobile communication device to the digital currency hardware wallet to acquire digital currency transaction information.

For example, according to the transaction method of at least one embodiment of the present disclosure, when the capability information includes a receipt capability identification indicating that the digital money hardware wallet has a receipt capability and information indicating that the digital money hardware wallet supports a receipt address, the mobile communication device transmits an instruction to acquire the receipt address to the digital money hardware wallet, and generates and transmits digital money transaction information according to payment information acquired by the receipt address.

For example, according to the transaction method of at least one embodiment of the present disclosure, at least one of clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to set hint information is performed by the digital money hardware wallet through its display capability.

For example, according to a transaction method of at least one embodiment of the present disclosure, the checkout address is a checkout address that can be linked to a checkout page by networking.

For example, according to a transaction method of at least one embodiment of the present disclosure, digital money transaction information is ciphertext information containing a MAC value obtained after encryption.

For example, in accordance with a transaction method of at least one embodiment of the present disclosure, a background server includes a first server associated with a software wallet of a mobile communication device and a second server associated with a digital currency hardware wallet; the first server judges whether the transaction is in the institution according to the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and the first server executes the transaction processing or the second server executes the transaction processing according to the judging result.

For example, according to a transaction method of at least one embodiment of the present disclosure, a first server performs transaction processing by: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet has the collection authority according to the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the collection authority, the amount of the software wallet in the mobile communication device is transferred to the digital currency hardware wallet based on the decrypted transaction information, and a transaction result instruction and a return display instruction are generated and sent to the mobile communication device.

For example, according to a transaction method of at least one embodiment of the present disclosure, a second server performs transaction processing by: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet has the collection authority according to the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the collection authority, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and a return instruction are generated and returned to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the return instruction to the mobile communication device.

At least one embodiment of the present disclosure provides a digital currency hardware wallet-based transaction system, the transaction system comprising: the digital currency hardware wallet is configured to have collection capability and display capability, does not have networking capability, and updates and displays information comprising transaction amount and balance through the display capability according to the back display instruction; a mobile communication device configured to acquire capability information of the digital currency hardware wallet in the interaction, and judge whether the digital currency hardware wallet has a collection capability and a display capability according to the capability information; responding to the judgment that the digital currency hardware wallet has the collection capability and the display capability and does not have the networking capability, and sending digital currency transaction information to a background server for transaction processing; the method comprises the steps of receiving and forwarding a digital currency hardware wallet in response to a back display instruction sent by a background server, wherein digital currency transaction information is transaction information related to payment to the digital currency hardware wallet; the background server is configured to conduct transaction processing according to the digital currency transaction information, generate a feedback instruction and send the feedback instruction to the mobile communication device.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the mobile communication device is configured to send an instruction to the digital-currency hardware wallet to acquire digital-currency transaction information when the capability information includes a money-collecting capability identification indicating that the digital-currency hardware wallet is capable of collecting money.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the mobile communication device is configured to, when a receipt capability identification indicating that the digital money hardware wallet has a receipt capability and information indicating that the digital money hardware wallet supports a receipt address are included in the capability information, send an instruction to the digital money hardware wallet to acquire the receipt address, and generate and transmit digital money transaction information according to payment information acquired through the receipt address.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the digital money hardware wallet is configured to perform at least one of the operations of clearing displayed information, updating the displayed information to transaction amount information, and updating the displayed information to set hint information through its display capability.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the checkout address is a checkout website that can be linked to a checkout page by networking.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the digital money transaction information is encrypted ciphertext information containing a MAC value.

For example, a transaction system in accordance with at least one embodiment of the present disclosure, wherein the background server includes a first server associated with a software wallet of the mobile communication device and a second server associated with a digital currency hardware wallet; the first server is configured to judge whether the transaction is an internal transaction of an institution according to the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and the first server is used for executing transaction processing or the second server is used for executing transaction processing according to the judging result.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the first server is configured to perform transaction processing by: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet has the collection authority according to the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the collection authority, the amount of the software wallet in the mobile communication device is transferred to the digital currency hardware wallet based on the decrypted transaction information, and a transaction result instruction and a return display instruction are generated and sent to the mobile communication device.

For example, a transaction system according to at least one embodiment of the present disclosure, wherein the second server is configured to perform transaction processing by: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet has the collection authority according to the identity information of the digital currency hardware wallet in the decrypted transaction information; if the digital currency hardware wallet has the collection authority, the balance of the digital currency hardware wallet is increased based on the decrypted transaction information, and a transaction result instruction and a return instruction are generated and returned to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the return instruction to the mobile communication device.

At least one embodiment of the present disclosure provides an electronic device, wherein the electronic device includes: one or more processors; and a storage means for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement a transaction method provided in accordance with at least one embodiment of the present disclosure.

At least one embodiment of the present disclosure provides a computer-readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements a transaction method provided in accordance with at least one embodiment of the present disclosure.

The scheme of the embodiment of the invention can realize a novel transaction mode when the digital currency hardware wallet is used as the receiving end, can save more device cost and cost compared with other receiving ends, and has better safety.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present disclosure, the drawings of the embodiments of the present disclosure will be briefly described below. It is apparent that the figures in the following description relate only to some embodiments of the present disclosure and are not limiting of the present disclosure.

FIG. 1 illustrates a block diagram of a digital currency hardware wallet-based transaction system in accordance with at least one embodiment of the present disclosure;

FIG. 2 illustrates a block diagram of an exemplary mobile communication device and digital currency hardware wallet in accordance with at least one embodiment of the present disclosure;

FIG. 3 illustrates an external schematic view of an exemplary digital currency hardware wallet in accordance with at least one embodiment of the present disclosure;

FIG. 4 illustrates a flow chart of a digital currency hardware wallet based transaction method in accordance with at least one embodiment of the present disclosure;

FIG. 5 illustrates a flow chart of an exemplary transaction method in accordance with at least one embodiment of the present disclosure;

FIG. 6 illustrates a flow chart of another exemplary transaction method in accordance with at least one embodiment of the present disclosure;

FIG. 7 illustrates a schematic block diagram of an electronic device in accordance with at least one embodiment of the present disclosure;

Fig. 8 illustrates a schematic diagram of a computer-readable medium in accordance with at least one embodiment of the present disclosure.

Detailed Description

Reference will now be made in detail to the specific embodiments of the present disclosure, examples of which are illustrated in the accompanying drawings. While the disclosure will be described in conjunction with the specific embodiments, it will be understood that it is not intended to limit the disclosure to the described embodiments. On the contrary, it is intended to cover alternatives, modifications, and equivalents as may be included within the spirit and scope of the disclosure as defined by the appended claims. It should be noted that the method operations described herein may be implemented by any functional block or arrangement of functions, and that any functional block or arrangement of functions may be implemented as a physical entity or a logical entity, or a combination of both.

In order that those skilled in the art will better understand the present disclosure, the present disclosure will be described in further detail below with reference to the accompanying drawings and detailed description.

Note that the examples to be presented below are only specific examples and are not intended to limit the embodiments of the present disclosure to the particular shapes, hardware, connection relationships, operations, values, conditions, data, sequences, etc., shown and described. Those skilled in the art can, upon reading the present specification, utilize the concepts of the present disclosure to construct additional embodiments not described in the present specification.

The terms used in the present disclosure are those general terms that are currently widely used in the art in view of the functions of the present disclosure, but may vary according to the intention, precedent, or new technology in the art of the person of ordinary skill in the art. Furthermore, specific terms may be selected by the applicant, and in this case, their detailed meanings will be described in the detailed description of the present disclosure. Accordingly, the terms used in the specification should not be construed as simple names, but rather based on the meanings of the terms and the general description of the present disclosure.

A flowchart is used in this disclosure to describe the operations performed by a system according to embodiments of the present application. It should be understood that the preceding or following operations are not necessarily performed in order precisely. Rather, the various steps may be processed in reverse order or simultaneously, as desired. Also, other operations may be added to or removed from these processes.

Abbreviations and related terms involved in the present disclosure are first defined and explained.

Digital money wallet: morphologically, the wallet can be a software wallet, a hardware wallet and the like. Where a software wallet refers to a wallet service provided through an intelligent application supporting digital money, it can be understood that the software wallet exists in the form of an application program (App). Such as a digital wallet of each operator bank in a digital currency App, a digital wallet in each operator bank App, etc. The hardware wallet refers to a physical medium for storing digital money, which is opened through a counter or an electronic channel, and is provided with a digital money carrier of a hardware security unit medium, and the digital money carrier also has basic functions of redemption, load, ring-up, consumption, transfer, inquiry and the like. Such as a mobile phone provided with a Secure Element (SE), an NFC-SIM card, an IC card, a wearable device, etc.

Hardware wallet application: the method supports the basic functions of hardware wallet issuing/logging-out, online/offline payment, balance inquiry and the like. The security authentication is provided when the financial operation such as transfer/consumption is related, the colleague is provided with the offline security authentication, and services such as modifying the authentication mode and resetting the password are provided for the user.

Interconnection platform: and a platform supporting the transfer clearing and message exchange of digital currency/electronic payment among the central authorities and various operation institutions. And interconnection and intercommunication between the central row and each operation mechanism are realized.

Interaction capability: capability information of each transaction terminal is interacted, and the capability information comprises capability parameters such as a communication mode, a networking state, man-machine interaction input/output security capability, a cash collecting terminal form and the like.

Feature negotiation: based on the definition of the interaction capability parameters, before two wallets interact, interaction capability parameter exchange is needed, and the characteristics of the transaction between the two parties are determined, specifically comprising: transaction model, other transaction control parameters.

A mobile communication device: also referred to as a mobile terminal or mobile communication terminal, includes any electronic device that a user may conveniently carry or operate, which may also provide remote communication capabilities with a network. The mobile communication device may communicate using a mobile telephone (wireless) network, a wireless data network (e.g., 3G, 4G, 5G, or the like), wi-Fi, bluetooth Low Energy (BLE), wi-Max, or any other communication medium that may provide access to a network, such as the internet or a private network. Examples of mobile communication devices include mobile phones (also known as cell phone terminals), tablet computers, netbooks, laptop computers, wearable devices (e.g., watches), and the like. The mobile communication device may include any suitable hardware and software for performing such functions, and may also include multiple devices or components.

The issuer: may be a financial institution, such as a bank, that creates and maintains a financial account for the account holder.

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.

In the related art, digital money hardware wallets are commonly used as payers and dedicated cash register terminals to conduct digital money transactions. In some scenarios, for small digital currency transactions, and in order to reduce the cost of merchant transactions, it is urgent to provide a digital currency hardware wallet as a collection terminal with collection function and provide a corresponding transaction mode, but related art cannot provide such a solution at present.

In order to solve the above problems, at least one embodiment of the present disclosure provides a transaction method and related system, which provides a solution that can use a digital currency hardware wallet as a payee to conduct digital currency transactions, and provides a new transaction mode, thus expanding the use function and scope of the digital currency hardware wallet and reducing the transaction cost of merchants.

Hereinafter, embodiments according to the present disclosure will be described in detail with reference to the accompanying drawings. In the drawings, like elements are denoted by like reference numerals. Furthermore, throughout the detailed description, identical elements are referred to by using identical terms.

Fig. 1 illustrates a block diagram of a digital currency based hardware wallet (hereinafter referred to as hardware wallet or hard wallet) transaction system 100 in accordance with at least one embodiment of the present disclosure.

As shown in fig. 1, the transaction system 100 includes a hardware wallet 102, a mobile communication device 104, and a background server (which, as one example, may include a first server 106 and a second server 110, and an interworking platform 108).

In the disclosed embodiments, the hardware wallet 102 may be an electronic device that includes an NFC card chip. For example, the hard wallet 102 may be a portable terminal capable of supporting one or more NFC functions (NFC payment functions), such as the card-type hard wallet shown in fig. 3. Typically, the hard wallet 102 may use NFC to perform payments or communications. In the case of performing payment or communication using NFC, a built-in digital money application, such as a hardware wallet application, may be driven and used.

For example, the mobile communication device 104 may communicate with the hard wallet 102 via NFC in a contactless manner. Using NFC, the mobile communication device 104 may perform the following functions with the hard wallet 102: contactless mobile payment, secure authentication and data exchange. Hereinafter, the contents of the embodiments of the present disclosure may be described using a commercially available device, such as a mobile phone terminal, as an example of the mobile communication device 104, however, the embodiments of the present disclosure are not limited thereto.

For example, messages between the mobile communication device 104 and the background server may be sent over the communication network 105 using a secure communication protocol such as, but not limited to: file Transfer Protocol (FTP), hypertext transfer protocol (HTTP), secure hypertext transfer protocol (HTTPs), etc. The communication network 105 may include any one and/or combination of the following: direct interconnection, the internet, local Area Networks (LANs), metropolitan Area Networks (MANs), secure custom connections, wide Area Networks (WANs), wireless networks, and the like.

In the embodiment of the disclosure, the background server is a background system supporting a digital currency mobile payment function, and can comprise a receiving and paying operation mechanism background server and an interconnection platform, and support the digital currency transaction of the mechanism and a cross-mechanism.

As shown in fig. 1, in most cases, the background server includes a first server 106 and a second server 110, where the first server 106 is a system or server corresponding to a payer wallet (e.g., a software wallet in the mobile communication device 104), and the second server 110 is a system or server corresponding to a payee wallet (e.g., a hardware wallet 102), both of which can process digital currency transactions belonging to an institution and generate return instructions.

To facilitate information interworking between multiple operating institutions, in the embodiment of the present disclosure, the background server further includes an interworking system or server (such as the interworking platform 108 in fig. 1) that communicates with a system or server corresponding to each operating institution.

For example, in the embodiment of the disclosure, when performing a digital currency transaction according to the payer wallet identifier, the payee wallet identifier, and the transaction amount in the transaction secret, when the operation mechanisms of the wallets corresponding to the payer wallet identifier and the payee wallet identifier belong to the same wallet operation mechanism, the transaction of the mechanism is performed; when the wallet operation mechanisms corresponding to the payer wallet identification and the payee wallet identification do not belong to the same wallet operation mechanism, a transaction request is sent through the interconnection and interworking platform to conduct cross-mechanism transaction.

For example, in some transaction scenarios, where the payee wallet and the payer wallet belong to the same digital currency operator, the digital currency transaction is performed in the same digital currency operator server, and the digital currency operator server or system in the transaction performs the transfer of digital currency.

For example, in other transaction scenarios, if the payee wallet and the payer wallet do not belong to the same digital currency operator, the transaction flow may occur between the payee operator's server or system, the payer operator's server or system, and the interworking server or system. For example, after the mobile communication device 104 in this example sends the transaction cryptogram to the server or system (e.g., the first server 106) of the payment party operation mechanism, the operation mechanism corresponding to the payment party wallet is determined according to the identification of the payment party wallet, and then the transaction request is sent to the operation mechanism corresponding to the payment party wallet through the interconnection system or server, and the server or system (e.g., the second server 110) of the operation mechanism corresponding to the payment party wallet adds the digital currency corresponding to the transaction amount in the payment party wallet (the hardware wallet 102), and at the same time, the operation mechanism of the payment party wallet deducts the digital currency corresponding to the transaction amount from the payment party wallet (the software wallet in the mobile communication device 104).

In some embodiments of the present disclosure, the payer wallet identification may be associated with a wallet account, and deduction of digital currency may be performed from the wallet account, in other words, the operation mechanism of the payer wallet identifies the wallet account for deduction by the payer wallet's associated identification.

In addition to the above, prior to execution of the digital money transaction, the issuer 101 is involved, and when some hardware wallets are issued, the issuer 101 needs to make the hardware wallets 102 have collection capability, and when these hardware wallets are issued, user information and identification with collection capability, or user information, identification with collection capability and collection address are written. Thus, the hard wallet has personalized configuration, and the hard wallet can be used as a receiving end for transaction processing by writing an identifier with real-time receiving capability.

The cash register address can exist in various forms, and in the embodiment of the disclosure, the cash register address is a cash register address which can be linked to a cash register page in a networking mode, confidentiality and integrity are protected by a management key of a security unit in a hard wallet, and the cash register address cannot be changed at will. In the disclosed embodiment, the mobile communication device 104 may access a payment page to which the payment address is linked through the communication network 105.

In addition to the web site format mentioned above, the checkout address may also be presented in the form of a applet page, an H5 page, or the like. The applet is an application which can be used without downloading and installing, and after entering the applet, the applet operates in a complete view form and covers the host application page in a window coverage form; the H5 page refers to a web page developed based on the 5 th edition hypertext markup language (Hyper Text Markup Language, HTML 5) technology. On electronic equipment such as a mobile terminal, a computer terminal and the like, different page information can be presented through different elements such as characters, music, pictures, links and the like based on an H5 page, and the method has the advantages of rapid iteration, flexible configuration operation and the like.

Fig. 2 illustrates a block diagram of an exemplary mobile communication device 104 and digital currency hardware wallet 102 in accordance with at least one embodiment of the present disclosure.

As shown in fig. 2, the mobile communication device 104 may include a payment module 1042, a processor 1044, a memory 1046, and a communicator 1045. Of course, at least one component may be omitted from the mobile communication device 104, or other components may be further included in the mobile communication device 104.

In embodiments of the present disclosure, the payment module 1042 may include software and/or programs for supporting digital currency soft wallet functionality. The soft wallet function may include, for example, an operation of selecting a hardware wallet application for capability negotiation, an operation of opening a payment page of a payment address in response to the payment address transmitted by the hard wallet, an operation of transmitting generated digital money transaction information to an external device (e.g., a background server), an operation of receiving payment completion information from the external device (e.g., the background server) and displaying the received payment completion information, and the like, and the payment completion information may include receipt information including a commodity name, price, quantity, merchant name, or order number related to a merchant transaction.

For example, the communicator 1045 may communicate with another electronic device at least through a wireless communication network. According to an embodiment of the present disclosure, the communicator 1045 is configured to wirelessly communicate with the digital currency hard wallet 102. Specifically, the communication connection manner may include a short-range wireless communication connection for forming a direct communication (D2D) channel between two devices. Here, the short-range wireless communication connection may include a communication connection through a short-range wireless communication network according to a short-range wireless communication standard such as bluetooth, wi-Fi, BLE, near Field Communication (NFC)/Radio Frequency Identification (RFID), wi-Fi direct, ultra Wideband (UWB), zigbee, etc. For example, the communicator 210 of the embodiment of the present disclosure includes an NFC card chip, and transmits information through an NFC wireless communication manner. In addition, the communicator 1045 may also be networked with a background server through the communication network 105, such as by sending messages over a cellular network (or any other suitable wireless network-e.g., the internet or other data network), etc.

The memory 1046 may store at least one of data, one or more programs, one or more instructions, or one or more applications. The memory 1046 may include at least one type of storage medium among a flash memory type storage medium, a hard disk type storage medium, a multimedia card micro storage medium, a card type memory (e.g., SD or XD memory), a RAM, a Static RAM (SRAM), a ROM, an Electrically Erasable Programmable ROM (EEPROM), a Programmable ROM (PROM), a magnetic memory, a magnetic disk, and an optical disk.

The processor 1044 may control at least one of the different components of the mobile communication device 104 and/or may perform operations related to communication or data processing.

As shown in fig. 2, the hardware wallet 102 includes a communication module 1026, a security unit 1021, and other input-output elements (input element 1024, display 1022, speaker 1023), wherein the security unit 1021 includes a hardware wallet application 1021A, a wallet management module 1021B, and a wallet data storage area 1021C. Fig. 2 shows only one example, and the hardware wallet of the disclosed embodiment may also be an active video card with a battery (power module 1025) that controls the display screen display through a key switch.

For example, the communication module 1026 is mainly responsible for connecting to the mobile communication device 104, and the communication method that it follows may be bluetooth, near field NFC radio frequency, WIFI, USB, mobile network, etc. The wallet managing module 1021B is present in the security unit 1021, and the wallet managing module 1021B is responsible for managing the digital money payment behavior, and functions provided include: account personalization information read-write, wallet management, wallet transaction and wallet query functions. The wallet data storage area 1021C exists within the security unit 1021, and the wallet data storage area 1021C holds: wallet SEID, wallet ID, wallet control information, wallet transaction related information, keys, and certificate information. The wallet ID may be the actual wallet account ID or a mask of the wallet account. The mask is used for guaranteeing the security of wallet data, and the mask corresponds to wallet account one by one. Further, the key and the authentication information include a symmetric key, an asymmetric key, and an organization certificate, and at the time of wallet initialization (i.e., wallet opening), the hardware wallet application 1021A issues the symmetric key and the asymmetric key, and the wallet server 100 issues the organization certificate, and the above data is written in the security unit 1021.

Fig. 3 illustrates a schematic external view of an exemplary digital-currency hardware wallet 102 in accordance with at least one embodiment of the present disclosure.

As shown in fig. 3, the digital-money hardware wallet 102 includes a main body 1021 and a display screen 1023. Wherein the body 1021 may be in the form of a plastic substrate, housing, or other structure. The display 1023 is used to display digital money transaction information, balance information of digital money hardware wallets, and the like, which is not particularly limited by the embodiments of the present disclosure.

Additionally, in some embodiments of the present disclosure, the hardware wallet 102 may further include an input area 1024 of a plurality of physical keys (e.g., digital keys, on/off keys, etc.), where the input area 1024 may be used by a user to input a payment code of the hardware wallet, and may also be used by the user to select a functional mode of the hardware wallet, e.g., the functional mode may include a payment mode, a collection mode, etc. The hardware wallet 102 may also include audio output components (e.g., a microphone) or a cue light (not shown), etc., and embodiments of the present disclosure do not limit in detail the components contained by the hardware wallet, and in actual practice, the hardware wallet may include more or less components than those described above.

Fig. 4 illustrates a flow chart of a transaction method in accordance with at least one embodiment of the present disclosure. The figure is a description of the transaction process of the transaction system shown in fig. 1.

As shown in fig. 4, in executing the transaction, the mobile communication device 104 obtains its capability information from the interacting hardware wallet 102 (step S410), and determines whether the hardware wallet 102 has a collection capability, a display capability, and a networking capability according to the capability information (step S420).

For example, the soft wallet application in the payment module 1042 of the mobile communication device 104 selects the hardware wallet application 1025 in the hard wallet 102 for capability negotiation. The hardware wallet application 1025 may send capability information to the soft wallet application, and may include parameters such as a communication mode describing data interaction between the two devices, a networking state (for describing a networking state when the two devices perform operations, such as online and offline), a man-machine interaction input/output (such as a key, a display screen, a two-dimensional code display function, a prompt light, a prompt tone, a vibration prompt, a peripheral), a security capability, and a form of a collection terminal (a fixed collection device, a mobile POS).

Because the hard wallet of the embodiments of the present disclosure needs to have a collection function, for better man-machine interaction, the hard wallet 102 also needs to include a display capability for notifying the user of collection information. Thus, in the disclosed embodiment, the capability information sent by the hardware wallet application 1025 includes at least parameters related to the receivability identification, the human-computer interaction capability information, and the networking capability identification.

In step S430, the mobile communication device 104 sends digital currency transaction information to the background server 106 for transaction processing in response to the determination that the hardware wallet 102 has the collection capability and the display capability and does not have the networking capability, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet 102.

For example, the soft wallet application in the payment module 1042 parses the received capability information to determine whether the capability information includes a receipt capability identifier indicating that the hardware wallet has a receipt capability, a display capability number with a display screen, and a networking status parameter. If the corresponding information is available, it is indicated that the hardware wallet 102 has the corresponding capability. In the embodiments of the present disclosure, the case that the hard wallet has display capability and collection capability and does not have networking capability is mainly aimed at. Correspondingly, the hardware wallet 102 may also obtain the capability parameters sent by the mobile communication device 104.

In addition to the above collection capability and display capability, parameters such as communication mode parameters, terminal type, and the like may be acquired from each other. Based on the interaction capability parameters, the characteristics (including transaction models and the like) of the transaction of the two parties can be determined. In the embodiment of the disclosure, after the capability information is interacted, the two parties negotiate whether to support the online (offline and non-networking capability of the hardware wallet) real-time collection transaction, namely, in the process of the transaction, one party in the transaction is networked, and after the background collection and payment are completed, the front end ends the transaction.

In addition, in other embodiments, if the hardware wallet has networking capability in addition to the collection capability and the display capability, the hardware wallet may directly obtain the payer information from the payment terminal (for example, the mobile communication device 104), generate digital currency transaction information based on the payer information and send the digital currency transaction information to the background to directly conduct the collection transaction.

For example, in the disclosed embodiments, when the capability information includes a cash register capability identification indicating that the hardware wallet is cash register capable, the mobile communication device 104 sends an instruction to the hardware wallet 102 to acquire digital currency transaction information. For example, in the disclosed embodiment, the digital money transaction information is protected by an encryption/decryption key and a MAC key, e.g., ciphertext information containing a MAC value obtained by encrypting using a key on a hardware wallet. Illustratively, the hard wallet encrypts the unencrypted transaction information by using an encryption key to obtain a ciphertext, calculates the ciphertext by using an MAC key to obtain an MAC value, and finally splices the ciphertext and the MAC value to obtain ciphertext information. The transaction information (may also be referred to as payment information) may include information such as payee hard wallet identifier, payer identifier, transaction amount, transaction number counter, capability identifier (display capability and payee capability), transaction type, etc. The transaction number counter indicates the remaining number of offline transactions, and the number is incremented after each transaction to be used for dispersing the secret key and preventing the transaction replay attack, and the specific transaction information will be described in the following corresponding scenario, which is not described herein.

For example, in the disclosed embodiment, when the capability information includes a payment capability identification indicating that the hardware wallet has a payment capability and information indicating that the hardware wallet has a supported payment address, the mobile communication device 104 sends an instruction to the hardware wallet 102 to acquire the payment address, and generates and transmits digital currency transaction information according to the payment information acquired by the payment address, the payment information including at least a payment amount and a payee hard wallet identification. As described above, in the embodiment of the present disclosure, the form of the payment address is a payment website, and after the hard wallet 102 returns the payment address to the mobile communication device 104, the mobile communication device 104 displays a payment page, prompts the user to input a payment amount for payment, and generates digital currency transaction information according to the payment information input by the user. The digital currency transaction information can also be encrypted ciphertext information, specifically, payment information is transmitted to the background through the public key of the payee operation mechanism in a confidential mode, and is decrypted through the private key of the payee operation mechanism.

For example, in the embodiment of the present disclosure, the hardware wallet performs at least one operation (denoted as a first display update operation) of clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed as setting hint information by its display capability. For example, the information 102A displayed by the visualization module (e.g., display screen) of the hard wallet 102 shown in fig. 1 is the information displayed during the collection process at this stage: "… … transaction amount in cash: XXXX. By the first display updating operation, preparation can be made for accurately displaying balance information for the subsequent hard wallet, and compared with the related technology, the display accuracy is improved. The hardware wallet may perform the first display updating operation at a set time before and after the transmission of the digital money transaction information or the receipt address, preferably at the same time of the transmission of the information for securing the real-time. The embodiments of the present disclosure are not limited in this regard.

In step S440, the background server executes the playback instruction generated after the transaction processing according to the digital money transaction information, and transmits the playback instruction to the mobile communication device 104.

For example, in the disclosed embodiment, the background servers include a first server 106 associated with a software wallet of the mobile communication device 104 and a second server 110 associated with a digital currency hardware wallet 102. First, the mobile communication device 104 sends the digital currency transaction information to the first server 106, the first server 106 determines whether the transaction is an in-institution transaction according to the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and the first server 106 or the second server 110 performs the transaction according to the determination result. Specifically, the first server 106 determines whether an in-institution transaction is performed according to the institution identification in the software wallet ID information and the hardware wallet ID information, if the in-institution transaction is performed, the local server 106 performs the transaction processing, and if the in-institution transaction is not performed, the digital money transaction information is forwarded to the second server 110 through the interworking platform 108, and then the second server 110 performs the transaction processing.

For example, in the presently disclosed embodiment, the first server 106 performs transaction processing by: firstly, performing MAC value verification and decryption processing on digital currency transaction information; judging whether the digital currency hardware wallet 102 has the collection authority according to the identity information of the digital currency hardware wallet 102 in the decrypted transaction information; if the digital money hardware wallet 102 has the collection authority, the amount of the software wallet in the mobile communication device 104 is transferred to the digital money hardware wallet based on the decrypted encryption information, and a transaction result instruction and a return instruction are generated and sent to the mobile communication device 104. Specifically, after the first server 106 performs transaction processing according to the digital currency transaction information, the organization generates a feedback instruction including at least transaction amount information and balance information, and a transaction result instruction indicating that the transaction is successful.

For example, in the embodiment of the present disclosure, if it is determined that the transaction processing is performed by the first server 106, the first server 106 verifies the MAC value of the digital money transaction information, if the digital money transaction information is decrypted after the verification is passed, verifies whether the digital money hardware wallet has the collection authority according to the identity information of the decrypted digital money hardware wallet, if the digital money hardware wallet has the collection authority, increases the balance information of the hardware wallet and decreases the balance information of the soft wallet based on the decrypted transaction information, and generates a transaction result instruction and a return instruction to be transmitted to the mobile communication device 104.

For example, in the embodiment of the present disclosure, the second server 110 performs transaction processing by: performing MAC value verification and decryption processing on the digital currency transaction information; judging whether the digital currency hardware wallet 102 has the collection authority according to the identity information of the digital currency hardware wallet 102 in the decrypted transaction information; if the digital money hardware wallet 102 has the collection authority, the balance of the digital money hardware wallet is increased based on the decrypted information, and a transaction result instruction and a return instruction are generated and returned to the first server 106, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the return instruction to the mobile communication device 104. Specifically, after the second server 110 performs transaction processing according to the digital currency transaction information, the organization generates a feedback instruction at least including transaction amount information and balance information, and a transaction result instruction indicating that the transaction is successful.

For example, in the embodiment of the present disclosure, if it is determined that the second server 110 performs the transaction processing, the second server 110 verifies the MAC value of the digital money transaction information, if the verification is passed, decrypts the digital money transaction information, verifies whether the digital money hardware wallet has the collection authority according to the identity information of the decrypted digital money hardware wallet, and if the collection authority is provided, increases the balance information of the hardware wallet based on the decrypted transaction information, generates a transaction result instruction and a return instruction, and transmits the transaction result instruction and the return instruction to the first server 106; the balance information of the software wallet is reduced by the first server 106 according to the transaction result instruction and the echo instruction, and the transaction result instruction and the echo instruction are sent to the mobile communication device 104.

The above-mentioned generation method and information composition mode of the digital money transaction information are only examples, and the embodiment of the present disclosure is not limited thereto. For example, the digital money transaction information may be in the form of a plaintext, which may include a combination of a payee hardware wallet identification (an example of identity information) and a counter (an example of data for key distribution), and a ciphertext, which is information obtained by protecting transaction information other than the above-described plaintext by an encryption key and a MAC key. Therefore, when the background processes the digital currency transaction information, whether the digital currency transaction information has the collection authority can be judged according to the identification of the hardware wallet at the collection end, and then whether the MAC passes through and is decrypted is verified for the ciphertext part.

In step S450, the mobile communication device 104 receives and sends a return instruction to the hardware wallet 102.

In step S460, the hardware wallet 102 displays information including the transaction amount and the balance (noted as a second display update operation) by its display capability update according to the echo instruction. The hardware wallet 102 returns the operation results to cause the mobile communication device 104 to prompt the user for transaction results.

For example, after the hard wallet 102 receives the callback instruction, the visual module interface is called to control the display screen to display at least the transaction amount information and the balance information in the callback instruction, so that the user can obtain the balance change condition in real time. 102B information displayed by a visualization module (e.g., a display screen) of the hard wallet 102 in fig. 1: "collection completion transaction amount: residual balance of XXXX: XXXX'.

After the transaction is established, the hardware wallet sends transaction information or a cash register address and performs a first display updating operation to update the display content on the visualization module, so as to prompt a user that the hardware wallet is in operation; and after receiving the display instruction, the hardware wallet executes a second display updating operation to update the display content on the visualization module, and the user receives the display content updated through the second display updating operation and can check the transaction result. The twice updating display ensures that a user can clearly perceive the change of the display information on the visual module in the process of using the visual hardware wallet for transaction, thereby improving the using body feeling of the hardware wallet as a receiving end; and further help the user judge whether the content displayed on the visualization module is updated content, improving user experience.

For a better understanding of the embodiments of the present disclosure, a transaction flow using a hard wallet as a payee will be described below by taking a mobile phone terminal and a visual hard wallet transaction system as an example.

Fig. 5 illustrates a flow chart of an exemplary transaction method in accordance with at least one embodiment of the present disclosure. In this embodiment, the mobile communication device is a mobile phone terminal 520, and the hardware wallet is a visual hard wallet 500, which has collection capability and display capability, but does not support collection addresses, that is, only the collection capability identification is written when the visual hard wallet 500 issues. Payor back 530 is a software wallet-related back within mobile phone terminal 520, and payor back 550 is a hard wallet 500-related back. In addition, the visual hard wallet 500 has a string of digital currency notes.

As shown in fig. 5, in step S501, the mobile phone terminal 520 selects a hardware wallet application of the visual hard wallet 500, and performs capability negotiation therewith.

Specifically, after the mobile phone terminal 520 and the visual hard wallet 500 establish a communication connection, the mobile phone terminal 520 sends an instruction to the visual hard wallet 500 to select the hardware wallet application 1025 of the hard wallet 500, so that the application of the hard wallet 500 is opened to negotiate with the interaction capability information.

In step S502, the mobile phone terminal 520 analyzes whether the acquired hardware wallet capability information has the display capability and the collection capability, and does not have the networking capability, so as to negotiate to support the online real-time collection transaction.

In step S503, the mobile phone terminal 520 transmits an instruction to acquire digital money transaction information (in the figure, "transaction information") to the visual hard wallet 500.

In step S504, the visual hard wallet 500 clears the visual screen or displays the visual screen as only the current transaction amount or only the in-transaction prompt information.

In step S505, the hardware wallet 500 transmits transaction information to the mobile phone terminal 520. The transaction information is protected by an encryption and decryption key and an MAC key. The transaction information includes wallet identification of both sides of the transaction, transaction amount, counter, transaction type, whether display capability is provided, digital currency coin string and other information.

The execution order of step S504 and step S505 is not limited, and may be executed simultaneously, or S505 may be executed first and S504 may be executed second.

In step S506, the mobile phone terminal 520 transmits the digital money transaction information to the payer' S background 530 for transaction processing.

In step S507, the payment side background 530 performs MAC value verification and decryption processing on the obtained digital currency transaction information, identifies whether the transaction is in the institution according to the wallet identifier of the payment side obtained after decryption, and if the transaction is not in the institution, sends the transaction information to the interworking platform 540.

In step S508, the transaction information is transmitted to the payee background 550 through the interworking platform 540.

In step S509, the payee background 550 verifies the MAC value and the decryption information on the transaction information, and also verifies the validity of the coin string, after verification, identifies the wallet information according to the wallet identifier in the decrypted information, verifies whether the hardware wallet has the payment authority, and if so, increases the balance of the hardware wallet according to the decrypted transaction information and returns a return instruction, wherein the issued return instruction contains a new coin string.

In step S510, the interworking platform 540 returns the transaction result and the return instruction to the payer' S background.

In step S511, after receiving the success response and the return instruction, the payer platform 530 reduces the balance of the soft wallet and returns the transaction result and the return instruction to the mobile terminal 520 (S512).

In step S513, the mobile phone terminal 520 transmits a return instruction to the visual hardware wallet 500.

In step S514, after receiving the playback instruction, the visual hardware wallet 500 checks the validity and the amount of the coin string, saves the coin string after the check, synchronously displays the transaction amount, balance and other background information on the visual screen according to the playback instruction, and returns the operation result to the mobile phone terminal 520.

In step S515, the mobile phone terminal 520 prompts the payment result.

Fig. 6 illustrates a flow chart of another exemplary transaction method in accordance with at least one embodiment of the present disclosure. In this embodiment, the mobile communication device is a mobile phone terminal 520, and the hardware wallet is a visual hard wallet 500, which has a collection capability and a display capability, and supports a collection address, that is, when the visual hard wallet 500 issues, not only the collection capability identifier but also the collection address is written. In addition, the visual hard wallet 500 does not have a digital currency string.

The same or similar steps as those in fig. 5 are denoted by the same reference numerals in fig. 6, and thus, the same aspects as those in fig. 5 will not be repeatedly described in describing fig. 6. The different operations are: steps S602, S603, S605, S609, and S614.

In step S602, the mobile phone terminal 520 analyzes whether the acquired hardware wallet capability information has display capability, negotiates to support a single online real-time payment transaction (the negotiated "transaction model" is a real-time payment transaction), and supports a payment address.

In step S603, the mobile phone terminal 520 transmits an instruction to acquire a payment address to the visual hardware wallet 500.

In step S605, the visual hardware wallet 500 returns the payment address to the mobile phone terminal 520, and the mobile phone terminal 520 displays a payment page through the payment address, prompts the user to input the payment amount, and makes a payment. The mobile phone terminal 520 generates and transmits digital money transaction information based on the received payment address according to the payment information acquired through the payment address. The transaction information comprises wallet identification of both sides of the transaction, transaction amount, counter, transaction type, whether display capability exists or not and the like.

In step S609, the payee background 550 verifies the MAC value and the decrypted information on the transaction information, and after the verification, identifies the wallet information according to the wallet identifier in the decrypted information, verifies whether the hardware wallet has the payment authority, and if so, increases the balance of the hardware wallet according to the decrypted transaction information and returns a return instruction.

In step S614, after receiving the echo instruction, the visual hardware wallet 500 synchronously displays the background information such as the transaction amount, balance, etc. on the visual screen according to the echo instruction, and returns the operation result to the mobile phone terminal 520.

It should be noted that the above application scenarios are merely exemplary in order to describe one or more aspects of the present disclosure in a particular scenario, but these aspects are not required and various modifications may be made to the application scenario.

At least some embodiments of the present disclosure also provide an electronic device. Fig. 7 shows a schematic diagram of an electronic device 700 in accordance with at least one embodiment of the present disclosure.

As shown in fig. 7, the electronic device 700 includes one or more processors 710 and memory 720. Memory 720 includes one or more computer program modules 721. One or more computer program modules 721 are stored in the memory 720 and configured to be executed by the processor 710, the one or more computer program modules 721 comprising instructions for performing a digital currency hardware wallet-based transaction method and additional aspects thereof in accordance with at least one embodiment of the present disclosure, which when executed by the processor 710, may perform one or more steps of a digital currency hardware wallet-based transaction method and additional aspects thereof in accordance with at least one embodiment of the present disclosure. The memory 720 and the processor 710 may be interconnected by a bus system and/or other forms of connection mechanisms (not shown). For example, the bus may be a peripheral component interconnect standard (PCI) bus, or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus may be classified as an address bus, a data bus, a control bus, or the like.

By way of example, the processor 710 may be a Central Processing Unit (CPU), a Digital Signal Processor (DSP), or other form of processing unit having data processing and/or program execution capabilities, such as a Field Programmable Gate Array (FPGA), or the like. Processor 710, which may be a general purpose processor or a special purpose processor, may control other components in electronic device 700 to perform the desired functions.

By way of example, memory 720 may include any combination of one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and/or non-volatile memory. Volatile memory can include, for example, random Access Memory (RAM) and/or cache memory (cache) and the like. The non-volatile memory may include, for example, read-only memory (ROM), hard disk, erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), USB memory, flash memory, and the like. One or more computer program modules 721 may be stored on the computer-readable storage medium, and the processor 710 may execute the one or more computer program modules 721 to implement the various functions of the electronic device 700. The computer program modules include a plurality of computer-executable instructions. Various applications and various data, as well as various data used and/or generated by the applications, etc., may also be stored in the computer readable storage medium.

For example, electronic device 700 may also include input devices such as a touch screen, touchpad, keyboard, mouse, camera, microphone, accelerometer, gyroscope, etc.; including output devices such as liquid crystal displays, speakers, vibrators, etc.; including storage devices such as magnetic tape, hard disk (HDD or SDD); for example, communication devices such as LAN cards, modems and the like may also be included. The communication means may allow the electronic device 700 to perform wireless or wired communication with other devices to exchange data, performing communication processing via a network such as the internet. The drive is connected to the I/O interface as needed. A removable storage medium such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is mounted on the drive as needed so that a computer program read therefrom is installed into the storage device as needed.

For example, the electronic device 700 may further include a peripheral interface (not shown), and the like. The peripheral interface may be various types of interfaces, such as a USB interface, a lightning (lighting) interface, etc. The communication means may communicate with networks and other devices by way of wireless communication, such as the internet, intranets and/or wireless networks such as cellular telephone networks, wireless Local Area Networks (LANs) and/or Metropolitan Area Networks (MANs). The wireless communication may use any of a variety of communication standards, protocols, and technologies including, but not limited to, global System for Mobile communications (GSM), enhanced Data GSM Environment (EDGE), wideband code division multiple Access (W-CDMA), code Division Multiple Access (CDMA), time Division Multiple Access (TDMA), bluetooth, wi-Fi (e.g., based on the IEEE 802.11a, IEEE 802.11b, IEEE 802.11g, and/or IEEE 802.11n standards), voice over Internet protocol (VoIP), wi-MAX, protocols for email, instant messaging, and/or Short Message Service (SMS), or any other suitable communication protocol.

The electronic device 700 may be, for example, a system on a chip (SOC) or a device including the SOC, for example, any device such as a mobile phone, a tablet computer, a notebook computer, an electronic book, a game console, a television, a digital photo frame, a navigator, a home appliance, a communication base station, an industrial controller, a server, or any combination of data processing apparatuses and hardware, which is not limited in the embodiments of the present disclosure. The specific functions and technical effects of the electronic device 700 may refer to the above description of the digital money hardware wallet-based transaction method and additional aspects thereof according to at least one embodiment of the present disclosure, and will not be repeated herein.

Fig. 8 illustrates a schematic diagram of a computer-readable medium 800 in accordance with at least one embodiment of the present disclosure.

As shown in fig. 8, computer-readable medium 800 has stored thereon computer instructions 810 that, when executed by a processor, perform one or more steps of the digital money hardware wallet-based transaction method and additional aspects thereof described above.

Illustratively, when the program code is read by a computer, the computer can execute the program code stored in the computer storage medium to perform one or more steps of a digital currency hardware wallet-based transaction method and additional aspects thereof, for example, in accordance with at least one embodiment of the present disclosure.

By way of example, the computer-readable medium may comprise a memory card of a smart phone, a memory component of a tablet computer, a hard disk of a personal computer, random Access Memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), flash memory, and other computer-readable media or any combination thereof.

At least some embodiments in this specification are described in a progressive manner, and each embodiment focuses on the differences from other embodiments, so long as identical and similar parts between the various embodiments are mutually referred to.

It is noted that in this document, relational terms such as first, second, and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. The terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may further include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other like elements in a process, method, article, or apparatus that comprises an element.

For the purposes of this disclosure, the following points are also noted:

(1) The drawings of the embodiments of the present disclosure relate only to the structures related to the embodiments of the present disclosure, and other structures may refer to the general design.

(2) The embodiments of the present disclosure and features in the embodiments may be combined with each other to arrive at a new embodiment without conflict.

The foregoing is merely exemplary embodiments of the present disclosure and is not intended to limit the scope of the disclosure, which is defined by the appended claims.

Claims

1. A digital currency hardware wallet-based transaction method, the method comprising:

The mobile communication device acquires capability information of the digital currency hardware wallet in interaction, and judges whether the digital currency hardware wallet has collection capability, display capability and networking capability according to the capability information;

Responding to the judgment that the digital currency hardware wallet has the collection capability and the display capability and does not have the networking capability, the mobile communication device sends digital currency transaction information to a background server for transaction processing, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet;

and responding to a return instruction generated after the background server executes transaction processing according to the digital currency transaction information, and receiving and sending the return instruction to the digital currency hardware wallet by the mobile communication device so that the digital currency hardware wallet updates and displays information comprising transaction amount and balance according to the return instruction through the display capability of the return instruction.

2. The transaction method according to claim 1, wherein,

When the capability information includes a receipt capability identification indicating that the digital currency hardware wallet is capable of receiving a receipt, the mobile communication device sends an instruction to the digital currency hardware wallet to acquire the digital currency transaction information.

3. The transaction method according to claim 1, wherein,

When the capability information comprises a receipt capability identifier indicating that the digital currency hardware wallet has a receipt capability and information indicating that the digital currency hardware wallet supports a receipt address, the mobile communication device sends an instruction to the digital currency hardware wallet to acquire the receipt address, and generates and sends the digital currency transaction information according to payment information acquired by the receipt address.

4. A transaction method according to claim 2 or 3, wherein,

The digital money hardware wallet performs at least one of clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to set hint information through its display capabilities.

5. The transaction method according to claim 3, wherein,

The collection address is a collection website which can be linked to a collection page in a networking mode.

6. A transaction method according to any one of claims 1 to 5 wherein,

The digital currency transaction information is encrypted ciphertext information containing a MAC value.

7. The transaction method according to claim 6, wherein,

The background server includes a first server associated with a software wallet of the mobile communication device and a second server associated with the digital currency hardware wallet;

And the first server performs MAC value verification and decryption processing on the digital currency transaction information, judges whether the digital currency transaction information is an internal transaction of an organization according to the identity information of the software wallet and the digital currency hardware wallet in the decrypted transaction information, and selects the first server to execute the transaction processing or the second server to execute the transaction processing according to the judgment result.

8. The transaction method of claim 7, wherein the first server performs transaction processing by:

performing MAC value verification and decryption processing on the digital currency transaction information;

Judging whether the digital currency hardware wallet has a collection authority or not according to the identity information of the digital currency hardware wallet in the decrypted transaction information;

and if the digital currency hardware wallet has the collection authority, transferring the amount of the software wallet in the mobile communication device to the digital currency hardware wallet based on the decrypted transaction information, generating a transaction result instruction and a return display instruction, and sending the transaction result instruction and the return display instruction to the mobile communication device.

9. The transaction method of claim 7, wherein the second server performs transaction processing by:

If the digital currency hardware wallet has the collection authority, the balance of the digital currency hardware wallet is increased based on the decrypted information, and a transaction result instruction and a return instruction are generated and returned to the first server, so that the first server correspondingly reduces the balance of the software wallet in the mobile communication device and sends the transaction result instruction and the return instruction to the mobile communication device.

10. A digital money hardware wallet-based transaction system, the transaction system comprising: a digital currency hardware wallet, a mobile communication device, and a background server, wherein,

The digital currency hardware wallet is configured to have collection capability and display capability and not to have networking capability, and updates and displays information comprising transaction amount and balance through the display capability according to the back display instruction;

The mobile communication device is configured to acquire capability information of the digital currency hardware wallet in interaction, and judge whether the digital currency hardware wallet has collection capability, display capability and networking capability according to the capability information; responding to the judgment that the digital currency hardware wallet has collection capability and display capability and does not have networking capability, and sending digital currency transaction information to the background server for transaction processing; and receiving and forwarding the digital currency hardware wallet in response to the back display instruction sent by the background server, wherein the digital currency transaction information is transaction information related to payment to the digital currency hardware wallet;

the background server is configured to conduct transaction processing according to the digital currency transaction information, generate a feedback instruction and send the feedback instruction to the mobile communication device.

11. The transaction system of claim 10, wherein,

The mobile communication device is configured to send an instruction to the digital currency hardware wallet to acquire the digital currency transaction information when the capability information includes a receipt capability identification indicating that the digital currency hardware wallet has a receipt capability.

12. The transaction system of claim 10, wherein,

The mobile communication device is configured to send an instruction to the digital currency hardware wallet to acquire a collection address when the capability information comprises a collection capability identifier indicating that the digital currency hardware wallet has collection capability and information indicating that the digital currency hardware wallet supports the collection address, and generate and send digital currency transaction information according to payment information acquired through the collection address.

13. The transaction system according to claim 11 or 12, wherein,

The digital money hardware wallet is configured to perform at least one of clearing the displayed information, updating the displayed information to transaction amount information, and updating the displayed information to set hint information through its display capability.

14. The transaction system of claim 12, wherein,

15. The transaction system according to any one of claims 10 to 14, wherein,

16. The transaction system of claim 15, wherein,

The first server is configured to judge whether the transaction is in-institution transaction according to the identity information of the software wallet and the digital currency hardware wallet in the digital currency transaction information, and select the first server to execute transaction processing or the second server to execute transaction processing according to the judgment result.

17. The transaction system of claim 16, wherein,

The first server is configured to perform transaction processing by:

18. The transaction system of claim 16, wherein,

The second server is configured to perform transaction processing by:

19. An electronic device, wherein the electronic device comprises:

One or more processors;

Storage means for storing one or more programs,

When executed by the one or more processors, causes the one or more processors to implement the method of any of claims 1-9.

20. A computer readable medium having stored thereon a computer program, wherein the program when executed by a processor implements the method of any of claims 1-9.