WO2023066040A1 - 一种数字货币支付方法和装置 - Google Patents

一种数字货币支付方法和装置 Download PDF

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Publication number
WO2023066040A1
WO2023066040A1 PCT/CN2022/124040 CN2022124040W WO2023066040A1 WO 2023066040 A1 WO2023066040 A1 WO 2023066040A1 CN 2022124040 W CN2022124040 W CN 2022124040W WO 2023066040 A1 WO2023066040 A1 WO 2023066040A1
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WIPO (PCT)
Prior art keywords
digital currency
transaction information
payment
payment device
wallet account
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PCT/CN2022/124040
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English (en)
French (fr)
Inventor
狄刚
穆长春
崔沛东
赵新宇
闫建丽
张红学
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中国人民银行数字货币研究所
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Publication of WO2023066040A1 publication Critical patent/WO2023066040A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange

Definitions

  • the present disclosure relates to the field of computer technology, and in particular to a digital currency payment method and device.
  • the embodiments of the present disclosure provide a digital currency payment method and device.
  • a digital currency payment method is provided.
  • a digital currency payment method comprising: a payment device determines the transaction information of this digital currency transaction according to an instruction sent by a payment collection device; the payment device invokes the transaction information through a local security chip, and sends the transaction information to To the collection device for verification, the transaction information includes digital currency or identification information, the identification information is used to identify the wallet account or digital currency of the payment device; the payment device determines the transaction information through the After the above verification, update the digital currency balance.
  • the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment collection device, including: the payment device according to the instruction sent by the payment collection device, according to The preset corresponding relationship between the instruction and the transaction information type determines the transaction information of this digital currency transaction, the instruction sent by the payment device and the network status and/or equipment of the payment device and the payment device form related.
  • the transaction information when the payment collection device is in the form of a device capable of networking and the network status is online, the transaction information includes wallet account identification, digital currency identification, digital currency One of the above; the payment device calls the transaction information through the local security chip, including: the payment device obtains the wallet account identifier, the digital currency identifier, and the digital currency from the local security chip One, to generate the transaction information.
  • the payment device before the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment collection device, it includes: when the payment device performs a recharge operation, from the digital The background system of the currency operating agency obtains the issued digital currency, and stores the corresponding digital currency identifier in the local security chip.
  • updating the digital currency balance includes: After the payment device determines that the transaction information has passed the verification, it executes the deduction operation through the background system of the operating institution of the digital currency, and the payment device receives the deduction completion instruction returned by the background system of the operating institution After that, update the local digital currency balance.
  • the wallet account ID is the parent wallet account ID of the payment device, other online wallet account IDs, One of the local wallet account identifiers; if the payment device is in the form of a device without networking capabilities, the wallet account identifier is the local wallet account identifier of the payment device.
  • the payment device before the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment collection device, it includes: the payment device receives the digital currency when opening a wallet account The wallet account identifier issued by the backstage system of the currency operating institution, and store the wallet account identifier in the local security chip.
  • the wallet account identifier is the local wallet account identifier
  • the background system of the operating institution records the mapping relationship between the recharged digital currency and the local wallet account ID.
  • updating the digital currency balance includes : After the payment device determines that the transaction information has passed the verification, it executes the deduction operation through the background system of the operating institution, and the payment device updates the local wallet according to the deduction completion instruction returned by the background system of the operating institution The digital currency balance of the account.
  • updating the digital currency balance includes: after the payment device determines that the transaction information has passed the verification, it performs a deduction operation through the background system of the operating institution, and updates the balance in the corresponding parent wallet application or online wallet application Digital currency balance, the digital currency balance of the local wallet account will not be updated.
  • the transaction information includes the digital currency
  • the payment device calling the transaction information through a local security chip includes: the payment device obtains the digital currency from the local security chip to generate the transaction information.
  • the payment device updates the digital currency balance after determining that the transaction information passes the verification, including: The payment device updates the local digital currency balance after determining that the transaction information passes the verification.
  • a digital currency payment device is provided.
  • a digital currency payment device located in a payment device, the device includes: a transaction information determination module, used to determine the transaction information of this digital currency transaction according to the instruction sent by the payment collection device; a security chip storage module, used to pass The local security chip invokes the transaction information, and sends the transaction information to the payment collection device for verification, the transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account of the payment device Or digital currency; a balance update module, configured to update the digital currency balance after determining that the transaction information passes the verification.
  • a transaction information determination module used to determine the transaction information of this digital currency transaction according to the instruction sent by the payment collection device
  • a security chip storage module used to pass The local security chip invokes the transaction information, and sends the transaction information to the payment collection device for verification, the transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account of the payment device Or digital currency
  • a balance update module configured to update the digital currency balance after determining that the transaction information passes the verification.
  • an electronic device is provided.
  • An electronic device comprising: one or more processors; a memory for storing one or more programs, when the one or more programs are executed by the one or more processors, the one or more Multiple processors implement the digital currency payment method provided by the embodiments of the present disclosure.
  • a computer-readable medium is provided.
  • a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the digital currency payment method provided by the embodiments of the present disclosure is implemented.
  • FIG. 1 is a schematic diagram of main steps of a digital currency payment method according to an embodiment of the present disclosure
  • Fig. 2 is a schematic diagram of a digital currency payment process according to an embodiment of the present disclosure
  • Fig. 3 is a schematic diagram of a balance state of a networked mobile phone terminal according to an embodiment of the present disclosure
  • Fig. 4 is a schematic diagram of a balance state of a networked mobile phone terminal according to another embodiment of the present disclosure.
  • Fig. 5 is a schematic diagram of an IC card non-networking balance state according to an embodiment of the present disclosure
  • Fig. 6 is a schematic diagram of main modules of a digital currency payment device according to an embodiment of the present disclosure.
  • FIG. 7 is an exemplary system architecture diagram to which embodiments of the present disclosure can be applied.
  • Fig. 8 is a schematic structural diagram of a computer system suitable for implementing a terminal device according to an embodiment of the present disclosure.
  • Fig. 1 is a schematic diagram of main steps of a digital currency payment method according to an embodiment of the present disclosure.
  • the digital currency payment method mainly includes the following steps S101 to S103.
  • Step S101 The payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment collection device;
  • Step S102 The payment device calls the transaction information through the local security chip, and sends the transaction information to the payment collection device for verification.
  • the transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account or digital currency of the payment device;
  • Step S103 After the payment device determines that the transaction information has passed the verification, it updates the digital currency balance.
  • Digital currency transaction specifically refers to the payment of digital currency, and the instruction sent by the collection device is used to initiate the payment process.
  • the identification information used to identify the wallet account of the payment device is called the wallet account ID
  • the identification information used to identify the digital currency in the payment device is called the digital currency ID
  • the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device, specifically including: the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device and according to the preset correspondence between the instruction and the type of transaction information. Transaction information for digital currency transactions.
  • the instruction sent by the payment device is related to the network status and/or device form of the payment device and the payment device.
  • the payment collection device is a device capable of networking and the network status is online
  • the payment collection device is a mobile phone terminal in an online state
  • the transaction information includes wallet account ID, digital currency ID, and one of digital currency kind.
  • Online means that the collection device has established a network connection with the background system of the digital currency operator.
  • the payment device invokes the transaction information through the local security chip, which specifically includes: the payment device obtains one of the wallet account ID, digital currency ID, and digital currency from the local security chip to generate transaction information.
  • the payment device may, when performing the recharge operation, obtain the information from the background system of the digital currency operating institution (referred to as the operating institution background) Get the issued digital currency, and store the corresponding digital currency identifier in the local security chip.
  • the operating institution background the background system of the digital currency operating institution
  • the payment device updates the digital currency balance after confirming that the transaction information has passed the verification, including: after the payment device confirms that the transaction information has passed the verification, the payment device executes deduction through the background system of the digital currency operator Operation, the payment device updates the local digital currency balance after receiving the deduction completion instruction returned by the background system of the operating institution.
  • the wallet account ID is one of the parent wallet account ID of the payment device, other online wallet account IDs, and local wallet account IDs.
  • the payment device is an IC card
  • the wallet account identifier is the local wallet account identifier of the payment device.
  • the payment device may receive the wallet account identification issued by the background system of the digital currency operating institution when opening a wallet account. , and store the wallet account ID in the local security chip.
  • the wallet account ID is the local wallet account ID
  • the background system of the operating agency records the mapping relationship between the recharged digital currency and the local wallet account ID .
  • the payment device updates the digital currency balance after confirming that the transaction information has passed verification, specifically including: after the payment device confirms that the transaction information has passed verification, the payment device performs a deduction operation through the background system of the operating institution , the payment device updates the digital currency balance of the local wallet account according to the deduction completion instruction returned by the background system of the operating institution.
  • the payment device updates the digital currency balance after confirming that the transaction information has passed the verification, specifically including: after the payment device confirms that the transaction information has passed the verification, through the operating agency
  • the background system performs the deduction operation, and updates the digital currency balance in the corresponding parent wallet application or online wallet application, and does not update the digital currency balance of the local wallet account.
  • the transaction information includes digital currency, that is, a digital currency string.
  • the payment device invokes the transaction information through the local security chip, specifically including: the payment device obtains digital currency from the local security chip to generate transaction information.
  • the payment device updates the digital currency balance after determining that the transaction information has passed verification, specifically including: after the payment device determines that the transaction information has passed verification, updates the local digital currency balance.
  • the payment device in the embodiment of the present disclosure uses a local security chip to store transaction information in two ways: digital currency and identification information, and supports dual offline payment and single offline payment with a faster transaction rate. According to the instructions sent by the payment receiving device, the payment device decides to transfer digital currency or identification information, and initiates dual offline payment or single offline payment.
  • the identification information can be used to identify the parent wallet wallet account, other online wallet accounts, local wallet accounts and local digital currency. Different identifications correspond to different user experiences, and, depending on the terminal form, networking capabilities, and identified accounts, the local account The balance storage mechanism is different.
  • the online wallet account balance and local balance of payment devices can exist at the same time and be maintained separately, while payment devices such as IC card terminals transmit digital currency or identification information, which can maintain a unified local balance. balance.
  • the embodiment of the present disclosure can rely on the local digital currency, and can also rely on the organization's background account system for transactions.
  • the linkage mapping between the identification information and the wallet account can also be formulated according to the business, which has strong scalability.
  • Fig. 2 is a schematic diagram of a digital currency payment process according to an embodiment of the present disclosure. As shown in Figure 2, the process includes:
  • Step S201 the transaction parties establish a connection
  • the two parties to the transaction specifically refer to the payer and the payee, where the payer is the payment device, such as a payment terminal; the payee is the payment collection device, such as a payment terminal.
  • the payer and the payee can establish a connection through their respective short-distance communication modules.
  • the short-distance communication module is responsible for the establishment of payment channels for both parties and the transmission of transaction information such as certificates.
  • the communication methods can include NFC (Near Field Communication), Bluetooth communication, WLAN (Wireless LAN) direct connection, UWB (Ultra Wideband), etc.
  • the security chip storage modules are mainly used for the storage of transaction sensitive information, including digital currency, as well as the identification information used by the operating agency background to identify accounts or digital currency, transaction flow, and wallet balance. According to different terminal forms, the identification information can identify the local wallet, local digital currency, or the user's online wallet.
  • the establishment of the relationship between the storage of security chip transaction information and the background of the operating agency can be done in three specific ways: Method 1: When the payer user opens a digital currency wallet, the operating agency background stores the user information and issues a logo The information is sent to the local security chip of the payer. This identification information identifies the local wallet account, which is called the local wallet account identification.
  • Method 2 is when the payer user opens a digital currency wallet, the operating organization saves the user information in the background, and sends the identification information to the local security chip of the payer, and the identification information identifies the user
  • the mother wallet of the user is called the master wallet account ID, or the ID information identifies other online wallet accounts of the user, called other online wallet account IDs, and subsequent user recharges of digital currency locally have nothing to do with the ID information.
  • the third method is that when the user recharges, the operating agency will issue the digital currency in the background, and record the digital currency information at the same time, and the operating agency will update the background account when the subsequent user passes on the serial number and other information.
  • the identification information can be a local wallet identification, an online wallet identification or a digital currency identification, and the payee transmits the identification information to the backstage of the payer's operating institution for verification.
  • the second is when the payee is offline (that is, the form of the payee device is a device that does not have network capability, or the form of the payee device is a device with network capability but the network status is offline), the payer transfers the digital currency To the payee, the payee performs local verification. Passing digital currency refers to passing digital currency strings.
  • Step S202 Both parties to the transaction determine the transaction information to be transmitted
  • Both parties to the transaction can determine the type of transaction information to be transmitted according to the network status and terminal form of both parties. Specifically, after the payee receives the input payment amount, the payee judges the needs according to the network status and terminal form (i.e., device form) of both parties.
  • the instruction sent to the payer and then send the instruction to the payer.
  • the payer presets the preset correspondence between the instruction and the transaction information type, so that the payer can judge the transaction according to the specific content of the payee’s instruction. Payment needs to transmit the transaction information corresponding to the security chip storage module.
  • Step S203 Transmit transaction information
  • the security chip storage module can transfer the transaction information through the local security chip to transfer the transaction information.
  • the payer can call the transaction information through the local security chip according to the instruction sent by the payee, and send it to the payee.
  • Step S204 Perform local verification on the transaction information or pass it to the backstage verification of the operating institution;
  • the payee can determine whether to verify locally or pass it to the background of the corresponding operating institution for verification. For example, if the payer sends digital currency, it can be verified locally by the payee. For example, if the payer sends the parent wallet account ID, it can be passed to the corresponding operating agency background for verification.
  • the payee can establish a connection with the background of the operating institution through the terminal communication module, and the terminal communication module is used to transmit transaction information to the background of the operating institution.
  • the background of the operating institution records the mapping relationship between the identification information and the user's wallet/digital currency through its own institutional background transaction module, verifies the legitimacy of the user's transaction information, and records the transaction status and balance information of the user corresponding to the identification information.
  • Step S205 Record the transaction flow and update the balance.
  • the payer After the payer receives the returned result of the payee's verification, the payer records the transaction flow and updates the digital currency balance.
  • Method 1 The identification information is the local wallet account ID of the payer, and the background of the operating organization will perform the deduction. Local wallet balance; the second method is that the identification information is the payer's parent wallet account ID or other online wallet account ID, and the operating agency background will deduct the corresponding account, and the parent wallet or other online wallet will receive the deduction notice in the app or via SMS , the balance of the payer’s local account will not be updated; the third method is to identify the digital currency identifier of the payer’s local wallet, such as the digital currency serial number or other identifiers of the digital currency.
  • the payment completion command updates the local digital currency balance
  • the fourth method is that the payer transmits the digital currency (coin string itself) to the payee, and after the payee passes the verification, the payer receives the verification success instruction returned by the payee, and makes the payment
  • the party updates the local digital currency balance.
  • the embodiment of the present disclosure stores digital currency and identification information on the payer, and transmits different types of transaction information according to the instructions of the payee.
  • the instructions of the payee are related to the network status and terminal form of the terminal. Or the background verification of the operating agency to realize dual offline payment or single offline payment.
  • the embodiments of the present disclosure can be used for payment devices with networking capabilities and payment devices without networking capabilities, and can identify different wallets, mother and child wallets, or a single wallet.
  • Figures 3 to 5 show the balance status of the payment device according to the embodiments of the present disclosure, wherein Figure 3 is a schematic diagram of the balance status of a networked mobile phone terminal according to an embodiment of the present disclosure, and Figure 4 is a schematic diagram of a networked mobile phone according to another embodiment of the present disclosure A schematic diagram of a terminal balance state, FIG. 5 is a schematic diagram of an IC card offline balance state according to an embodiment of the present disclosure. According to Fig.
  • the digital currency wallet may include a software wallet/master wallet (ie, an online wallet), and a hardware wallet (ie, a local wallet),
  • the balance may include the balance of the software wallet/master wallet (ie, the online wallet), as well as the balance of the hardware wallet (ie, the local wallet).
  • the payment device in the embodiment of the present disclosure is a device capable of networking such as a mobile phone
  • the payment device can store identification information and digital currency strings locally, and the balance is the local digital currency balance.
  • the payment device in the case of IC cards and other devices without networking capabilities, the payment device can store identification information and digital currency strings locally, and the balance is the local digital currency balance.
  • the embodiments of the present disclosure are applied to digital currency wallets that do not have networking capabilities, such as IC cards and visual IC cards
  • the identification information of the local account (local wallet account identification) or digital currency serial number can be transmitted for payment.
  • Local wallet payment when the payee is offline, it supports the transfer of digital currency (that is, digital currency string) for local wallet payment. It supports dual offline and single offline operations, and the security chip maintains a unified balance update.
  • the embodiment of the present disclosure greatly improves the transaction rate when the two parties to the transaction are connected to the Internet, and the two parties can conduct dual offline transactions by transferring digital currency when there is no network, which improves the scalability and coverage of the transaction.
  • the parent wallet App or SMS When the application is on a mobile phone terminal and other networked devices, if the identification information of the parent wallet is used for payment, the parent wallet App or SMS will receive the deduction notification, and the local balance will not be changed. Applied to non-networked devices such as IC cards, local wallet identification information, serial number (digital currency identification), and digital currency are used for payment, and the local balance is uniformly updated, effectively avoiding the problem of inconsistent account display. It can also realize dual-offline transactions and single-offline transactions that are compatible with digital currencies without the user's awareness, and greatly improves the transaction rate during single-offline transactions, effectively improving the user experience.
  • Fig. 6 is a schematic diagram of main modules of a digital currency payment device according to an embodiment of the present disclosure.
  • a digital currency payment device 600 according to an embodiment of the present disclosure is located in a payment device.
  • the digital currency payment device 600 mainly includes: a transaction information determination module 601 , a security chip storage module 602 , and a balance update module 603 .
  • a transaction information determination module 601, configured to determine the transaction information of this digital currency transaction according to the instruction sent by the payment collection device;
  • the security chip storage module 602 is used to call the transaction information through the local security chip, and send the transaction information to the collection device for verification.
  • the transaction information includes digital currency or identification information, and the identification information is used to identify the wallet account or digital currency of the payment device ;
  • a balance update module 603, configured to update the digital currency balance after it is determined that the transaction information has passed the verification.
  • the transaction information determination module 601 can specifically be used to: determine the transaction information of this digital currency transaction according to the instruction sent by the payment collection device, according to the preset corresponding relationship between the instruction and the type of transaction information, the instruction sent by the payment collection device and the payment It is related to the network status and/or device form of the device and the receiving device.
  • the transaction information includes one of wallet account ID, digital currency ID, and digital currency.
  • the security chip storage module 602 is specifically configured to: acquire one of wallet account ID, digital currency ID, and digital currency from the local security chip to generate transaction information.
  • the security chip storage module 602 is also used for: when the payment device performs a recharging operation, obtain the issued digital currency from the background system of the digital currency operator, and store the corresponding digital currency identifier in the local security chip.
  • the balance update module is also used for: after the payment device confirms that the transaction information has passed the verification, it executes the deduction operation through the backstage system of the digital currency operating institution, and the payment device receives the transaction information from the backstage of the operating institution After the deduction completion command returned by the system, update the local digital currency balance.
  • the wallet account ID is one of the parent wallet account ID of the payment device, other online wallet account IDs, and local wallet account IDs; In the case of a device with networking capabilities, the wallet account ID is the local wallet account ID of the payment device.
  • the security chip storage module 602 is also used for: when the payment device opens a wallet account, it receives the wallet account identification issued by the background system of the digital currency operating institution, stores the wallet account identification in the local security chip, and identifies the wallet account as a local wallet In the case of an account ID, when the payment device performs a recharge operation, the background system of the operating agency records the mapping relationship between the recharged digital currency and the local wallet account ID.
  • the balance update module 603 is also used to: after confirming that the transaction information has passed the verification, execute the deduction operation through the background system of the operating institution, and complete the deduction according to the deduction instruction returned by the background system of the operating institution , to update the digital currency balance of the local wallet account.
  • the balance update module 603 is also used to: after confirming that the transaction information has passed the verification, perform a deduction operation through the background system of the operating institution, and The digital currency balance is updated in the wallet application or online wallet application, and the digital currency balance of the local wallet account is not updated.
  • the transaction information includes digital currency.
  • the security chip storage module 602 is also used for: the payment device acquires digital currency from the local security chip to generate transaction information.
  • the balance update module is also used to update the balance of the local digital currency after determining that the transaction information is verified.
  • the digital currency expression is passed, and the verification is passed to realize dual offline payment.
  • the transaction flow is recorded in the security chip, and the digital currency balance is changed.
  • the payer transmits the transaction information mapped in the background, and verifies it through the security chip and the symmetric key in the background of the organization. After verification, the background mapping account is debited, and the transaction flow is recorded in the security chip to change the digital currency balance.
  • Fig. 7 shows an exemplary system architecture 700 in which the digital currency payment method or the digital currency payment device of the embodiments of the present disclosure can be applied.
  • a system architecture 700 may include terminal devices 701 , 702 , and 703 , a network 704 and a server 705 .
  • the network 704 is used as a medium for providing communication links between the terminal devices 701 , 702 , 703 and the server 705 .
  • Network 704 may include various connection types, such as wires, wireless communication links, or fiber optic cables, among others.
  • terminal devices 701, 702, 703 Users can use terminal devices 701, 702, 703 to interact with server 705 through network 704 to receive or send messages and the like.
  • Various communication client applications can be installed on the terminal devices 701, 702, and 703, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (just for example).
  • the terminal devices 701, 702, and 703 may be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.
  • the server 705 may be a server that provides various services, such as a background management server that provides support for shopping websites browsed by users using the terminal devices 701 , 702 , and 703 (just an example).
  • the background management server can analyze and process the received transaction information and other data, and feed back the processing result (such as the transaction result—just an example) to the terminal device.
  • digital currency payment methods are generally executed by terminal devices 701 , 702 , and 703 , and correspondingly, digital currency payment devices are generally set in terminal devices 701 , 702 , and 703 .
  • terminal devices, networks and servers in FIG. 7 are only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.
  • FIG. 8 shows a schematic structural diagram of a computer system 800 suitable for implementing a terminal device according to an embodiment of the present disclosure.
  • the terminal device shown in FIG. 8 is only an example, and should not limit the functions and scope of use of this embodiment of the present disclosure.
  • a computer system 800 includes a central processing unit (CPU) 801 that can be programmed 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 Instead, various appropriate actions and processes are performed.
  • ROM read-only memory
  • RAM random-access memory
  • various programs and data required for the operation of the system 800 are also stored.
  • the CPU 801, ROM 802, and RAM 803 are connected to each other via 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 section 806 including a keyboard, a mouse, etc.; an output section 807 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 808 including a hard disk, etc. 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.
  • a 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, etc., is mounted on the drive 810 as necessary so that a computer program read therefrom is installed into the storage section 808 as necessary.
  • embodiments of the present disclosure include a computer program product, which includes a computer program carried on a computer-readable medium, where the computer program includes program codes for executing the methods shown in the flowcharts.
  • the computer program may be downloaded and installed from a network via communication portion 809 and/or installed from removable media 811 .
  • this computer program is executed by a central processing unit (CPU) 801, the above-described functions defined in the system of the present disclosure are performed.
  • CPU central processing unit
  • the computer-readable medium shown in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two.
  • a computer readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
  • a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.
  • a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code therein. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • a computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction 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, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
  • each block in a flowchart or block diagram may represent a module, program segment, or portion of code that includes one or more logical functions for implementing specified executable instructions.
  • 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 they may sometimes be executed in the reverse order, depending upon the functionality involved.
  • each block in the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a A combination of dedicated hardware and computer instructions.
  • the modules involved in the embodiments described in the present disclosure may be implemented by software or by hardware.
  • the described modules can also be set in a processor, for example, it can be described as: a processor includes a transaction information determination module, a security chip storage module, and a balance update module.
  • a processor includes a transaction information determination module, a security chip storage module, and a balance update module.
  • the names of these modules do not constitute a limitation on the module itself under certain circumstances.
  • the transaction information determination module can also be described as "used to determine the digital currency transaction according to the instruction sent by the collection device.” Modules for Transactional Information”.
  • the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently without being assembled into the device.
  • the above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by one of the devices, the device includes: the payment device determines the transaction of this digital currency transaction according to the instruction sent by the payment collection device. information; the payment device calls the transaction information through the local security chip, and sends the transaction information to the collection device for verification, the transaction information includes digital currency or identification information, and the identification information is used to identify The wallet account or digital currency of the payment device; the payment device updates the digital currency balance after determining that the transaction information passes the verification.
  • the payment device determines the transaction information of this digital currency transaction according to the instruction sent by the payment device, calls the transaction information through the local security chip, and sends the transaction information to the payment device for verification, and the transaction
  • the information includes digital currency or identification information
  • the identification information is used to identify the wallet account or digital currency of the payment device
  • the payment device updates the digital currency balance after confirming that the transaction information is verified. It can support dual offline transactions, meet the needs of wide coverage of scenarios, and consumes less time, and the transaction speed is fast under the condition of networking.

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Abstract

本申请公开了数字货币支付方法和装置，涉及计算机技术领域。该方法的一具体实施方式包括：付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息，通过本地安全芯片调用交易信息，并将交易信息发送到收款设备进行验证，交易信息包括数字货币或标识信息，标识信息用于标识付款设备的钱包账户或数字货币，付款设备在确定交易信息通过验证后，更新数字货币余额。

Description

一种数字货币支付方法和装置
相关申请的交叉引用
本申请要求享有2021年10月19日提交的发明名称为“一种数字货币支付方法和装置”的中国专利申请No.202111213372.9的优先权，在此全文引用上述中国专利申请公开的内容以作为本申请的一部分或全部。
技术领域
本公开涉及计算机技术领域，尤其涉及一种数字货币支付方法和装置。
背景技术
现有的钱包交易中，通过扫码等方式进行后台账户的在线转账或消费扣款，收付款普遍无法实现双离线点对点交易。在数字货币支付体系中，依赖数字货币表达式可以实现双离线支付，但通过传输表达式信息进行验证等操作耗时相对较长。
在实现本公开过程中，发明人发现现有技术中至少存在如下问题：
无法同时满足场景全覆盖且交易速率高的数字货币支付要求。
发明内容
有鉴于此，本公开实施例提供一种数字货币支付方法和装置。
根据本公开实施例的一个方面，提供了一种数字货币支付方法。
一种数字货币支付方法，包括：付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息；所述付款设备通过本地安全芯片调用所述交易信息，并将所述交易信息发送到所述收款设备进行验证，所述交易信息包括数字货币或标识信息，所述标识信息用于标 识所述付款设备的钱包账户或数字货币；所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额。
根据本公开的一个或多个实施例，所述付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息，包括：所述付款设备根据所述收款设备发送的指令，按照指令与交易信息类型之间的预设对应关系，确定本次数字货币交易的交易信息，所述收款设备发送的指令与所述付款设备、所述收款设备双方的网络状态和/或设备形态有关。
根据本公开的一个或多个实施例，在所述收款设备的形态为具有联网能力的设备，且网络状态为在线的情况下，所述交易信息包括钱包账户标识、数字货币标识、数字货币中的一种；所述付款设备通过本地安全芯片调用所述交易信息，包括：所述付款设备从所述本地安全芯片获取所述钱包账户标识、所述数字货币标识、所述数字货币中的一种，以生成所述交易信息。
根据本公开的一个或多个实施例，所述付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息之前，包括：所述付款设备在进行充值操作时，从所述数字货币的运营机构后台系统得到下发的所述数字货币，并将对应的所述数字货币标识存储在所述本地安全芯片中。
根据本公开的一个或多个实施例，在基于所述数字货币标识生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：所述付款设备在确定所述交易信息通过所述验证后，通过所述数字货币的运营机构后台系统执行扣款操作，所述付款设备在收到所述运营机构后台系统返回的扣款完成指令后，更新本地数字货币余额。
根据本公开的一个或多个实施例，在所述付款设备的形态为具有联网能力的设备的情况下，所述钱包账户标识为所述付款设备的母钱包账户标识、其他在线钱包账户标识、本地钱包账户标识中的一种；在所述付款设备的形态为不具有联网能力的设备的情况下，所述钱包账户标识为所述付款设备的本地钱包账户标识。
根据本公开的一个或多个实施例，所述付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息之前，包括：所述付款设备在开立钱包账户时接收所述数字货币的运营机构后台系统下发的所述钱包账户标识，并将所述钱包账户标识存储在所述本地安全芯片，在所述钱包账户标识为所述本地钱包账户标识的情况下，当所述付款设备进行充值操作时，所述运营机构后台系统记录充值的数字货币与所述本地钱包账户标识的映射关系。
根据本公开的一个或多个实施例，在基于所述本地钱包账户标识生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：所述付款设备在确定所述交易信息通过所述验证后，通过所述运营机构后台系统执行扣款操作，所述付款设备根据所述运营机构后台系统返回的扣款完成指令，更新本地钱包账户的数字货币余额。
根据本公开的一个或多个实施例，在基于所述母钱包账户标识或所述其他在线钱包账户标识生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：所述付款设备在确定所述交易信息通过所述验证后，通过所述运营机构后台系统执行扣款操作，并在相应的母钱包应用或在线钱包应用内更新数字货币余额，对本地钱包账户的数字货币余额不做更新。
根据本公开的一个或多个实施例，在所述收款设备的形态为不具有联网能力的设备，或者，所述收款设备的形态为具有联网能力的设 备但网络状态为离线的情况下，所述交易信息包括所述数字货币；所述付款设备通过本地安全芯片调用所述交易信息，包括：所述付款设备从所述本地安全芯片获取所述数字货币，以生成所述交易信息。
根据本公开的一个或多个实施例，在基于所述数字货币生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：所述付款设备在确定所述交易信息通过所述验证后，更新本地数字货币余额。
根据本公开实施例的另一方面，提供了一种数字货币支付装置。
一种数字货币支付装置，位于支付设备中，所述装置包括：交易信息确定模块，用于根据收款设备发送的指令，确定本次数字货币交易的交易信息；安全芯片存储模块，用于通过本地安全芯片调用所述交易信息，并将所述交易信息发送到所述收款设备进行验证，所述交易信息包括数字货币或标识信息，所述标识信息用于标识所述付款设备的钱包账户或数字货币；余额更新模块，用于在确定所述交易信息通过所述验证后，更新数字货币余额。
根据本公开实施例的又一方面，提供了一种电子设备。
一种电子设备，包括：一个或多个处理器；存储器，用于存储一个或多个程序，当所述一个或多个程序被所述一个或多个处理器执行时，使得所述一个或多个处理器实现本公开实施例所提供的数字货币支付方法。
根据本公开实施例的又一方面，提供了一种计算机可读介质。
一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本公开实施例所提供的数字货币支付方法。
上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。
附图说明
附图用于更好地理解本公开，不构成对本公开的不当限定。其中：
图1是根据本公开一个实施例的数字货币支付方法的主要步骤示意图；
图2是根据本公开一个实施例的数字货币支付流程示意图；
图3是根据本公开一个实施例的联网手机终端余额状态示意图；
图4是根据本公开另一个实施例的联网手机终端余额状态示意图；
图5是根据本公开一个实施例的IC卡非联网余额状态示意图；
图6是根据本公开一个实施例的数字货币支付装置的主要模块示意图；
图7是本公开实施例可以应用于其中的示例性系统架构图；
图8是适于用来实现本公开实施例的终端设备的计算机系统的结构示意图。
具体实施方式
以下结合附图对本公开的示范性实施例做出说明，其中包括本公开实施例的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施例做出各种改变和修改，而不会背离本公开的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。
图1是根据本公开一个实施例的数字货币支付方法的主要步骤示意图。
如图1所示，本公开一个实施例的数字货币支付方法主要包括如下的步骤S101至步骤S103。
步骤S101：付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息；
步骤S102：付款设备通过本地安全芯片调用交易信息，并将交易信息发送到收款设备进行验证，交易信息包括数字货币或标识信息，标识信息用于标识付款设备的钱包账户或数字货币；
步骤S103：付款设备在确定交易信息通过验证后，更新数字货币余额。
数字货币交易具体指数字货币的支付，收款设备发送的指令用于发起支付流程。
按照标识信息的类型，用于标识付款设备的钱包账户的标识信息称为钱包账户标识，用于标识付款设备中数字货币的标识信息称为数字货币标识。
付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息，具体包括：付款设备根据收款设备发送的指令，按照指令与交易信息类型之间的预设对应关系，确定本次数字货币交易的交易信息。收款设备发送的指令与付款设备、收款设备双方的网络状态和/或设备形态有关。
在收款设备的形态为具有联网能力的设备，且网络状态为在线的情况下，例如收款设备为在线状态下的手机终端，交易信息包括钱包账户标识、数字货币标识、数字货币中的一种。在线是指收款设备与数字货币的运营机构后台系统已建立网络连接。
付款设备通过本地安全芯片调用交易信息，具体包括：付款设备从本地安全芯片获取钱包账户标识、数字货币标识、数字货币中的一种，以生成交易信息。
在一个实施例中，付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息之前，付款设备可在进行充值操作时，从数字货币的运营机构后台系统(简称运营机构后台)得到下发的数字货币，并将对应的数字货币标识存储在本地安全芯片中。
在基于数字货币标识生成交易信息的情况下，付款设备在确定交易信息通过验证后，更新数字货币余额，包括：付款设备在确定交易信息通过验证后，通过数字货币的运营机构后台系统执行扣款操作，付款设备在收到运营机构后台系统返回的扣款完成指令后，更新本地数字货币余额。
在付款设备的形态为具有联网能力的设备的情况下，钱包账户标识为付款设备的母钱包账户标识、其他在线钱包账户标识、本地钱包账户标识中的一种。
在付款设备的形态为不具有联网能力的设备的情况下，例如付款设备为IC卡，钱包账户标识为付款设备的本地钱包账户标识。
在一个实施例中，付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息之前，付款设备可以在开立钱包账户时接收数字货币的运营机构后台系统下发的钱包账户标识，并将钱包账户标识存储在本地安全芯片，在钱包账户标识为本地钱包账户标识的情况下，当付款设备进行充值操作时，运营机构后台系统记录充值的数字货币与本地钱包账户标识的映射关系。
在基于本地钱包账户标识生成交易信息的情况下，付款设备在确定交易信息通过验证后，更新数字货币余额，具体包括：付款设备在确定交易信息通过验证后，通过运营机构后台系统执行扣款操作，付款设备根据运营机构后台系统返回的扣款完成指令，更新本地钱包账户的数字货币余额。
在基于母钱包账户标识或其他在线钱包账户标识生成交易信息的情况下，付款设备在确定交易信息通过验证后，更新数字货币余额，具体包括：付款设备在确定交易信息通过验证后，通过运营机构后台系统执行扣款操作，并在相应的母钱包应用或在线钱包应用内更新数字货币余额，对本地钱包账户的数字货币余额不做更新。
在收款设备的形态为不具有联网能力的设备，或者，收款设备的形态为具有联网能力的设备但网络状态为离线的情况下，交易信息包括数字货币，即数字货币币串。
付款设备通过本地安全芯片调用交易信息，具体包括：付款设备从本地安全芯片获取数字货币，以生成交易信息。
在基于数字货币生成交易信息的情况下，付款设备在确定交易信息通过验证后，更新数字货币余额，具体包括：付款设备在确定交易信息通过验证后，更新本地数字货币余额。
本公开实施例的付款设备利用本地安全芯片存储数字货币及标识信息两种方式的交易信息，同时支持双离线支付及交易速率更快的单离线支付。付款设备根据收款设备发出的指令，决定传递数字货币或标识信息，发起双离线支付或单离线支付。标识信息可用于标识母钱包钱包账户、其他在线钱包账户、本地钱包账户及本地数字货币，不同的标识对应的用户体验有所差异，并且，根据终端形态、联网能力、标识的账户不同，本地账户余额的存储机制有所不同，例如，手机终端等付款设备的线上钱包账户余额和本地余额可同时存在，并分别维护，而IC卡终端等付款设备传递数字货币或标识信息，可维护统一本地余额。本公开实施例可依赖本地数字货币，也可依赖机构后台账户体系进行交易，标识信息与钱包账户的挂接映射也可根据业务来制定，具有较强的扩展性。
图2是根据本公开一个实施例的数字货币支付流程示意图。如图2所示，流程包括：
步骤S201：交易双方建立连接；
交易双方具体指付款方和收款方，其中，付款方即付款设备，例如付款终端；收款方即收款设备，例如收款终端。付款方和收款方可通过各自的短距通讯模块建立连接，短距通讯模块负责双方支付通道的建立以及证书等交易信息的传递，通讯方式可以包含NFC(近场通讯)、蓝牙通讯、WLAN(无线局域网)直连、UWB(超宽带)等。
交易双方分别设置有安全芯片存储模块，安全芯片存储模块主要用于交易敏感信息的存储，包括数字货币，还包括运营机构后台用于标识账户或数字货币的标识信息，交易流水以及钱包余额等。根据不同的终端形态，标识信息可以标识本地钱包、本地数字货币，也可标识该用户的线上钱包。
本公开实施例进行安全芯片交易信息存储与运营机构后台关联关系的建立，具体可以有三种方法：方法一是在付款方用户开立数字货币钱包时，运营机构后台保存用户信息，并下发标识信息至付款方的本地安全芯片，该标识信息标识本地钱包账户，称为本地钱包账户标识，用户在充值时，运营机构后台下发数字货币至付款方的本地安全芯片，同时记录该标识信息(本地钱包账户标识)与数字货币的映射关系；方法二是在付款方用户开立数字货币钱包时，运营机构后台保存用户信息，下发标识信息至付款方的本地安全芯片，该标识信息标识用户的母钱包，称为母钱包账户标识，或者，该标识信息标识用户的其他在线钱包账户，称为其他在线钱包账户标识，后续用户进行数字货币本地充值时与该标识信息无关。方法三是用户充值时，运营机构后台下发数字货币，同时记录该数字货币信息，后续用户如传递冠字号等信息时运营机构进行后台账户更新。
交易双方建立通信连接并发起交易，具体可以有两种方法：一是收款方在线时(即收款设备的形态为具有联网能力的设备且网络状态为在线的情况)，付款方将标识信息或数字货币传递至收款方，该标识信息可以是本地钱包标识、在线钱包标识或数字货币标识，收款方将标识信息传递至付款方运营机构后台进行验证。二是收款方离线时(即收款设备的形态为不具有联网能力的设备，或者，收款设备的形态为具有联网能力的设备但网络状态为离线的情况)，付款方将数字货币传递至收款方，收款方进行本地验证。传递数字货币是指传递数字货币币串。
步骤S202：交易双方确定传递的交易信息；
交易双方可根据双方的网络状态和终端形态确定传输的交易信息类型，具体地，收款方在收到输入的支付金额后，收款方根据双方网络状态和终端形态(即设备形态)判断需要向付款方发送的指令，然后发送指令到付款方，付款方预置了指令与交易信息类型之间的预设对应关系，从而付款方可根据收款方的指令中的具体内容，判断本次支付需要传递安全芯片存储模块对应的交易信息。
步骤S203：进行交易信息传递；
安全芯片存储模块可通过本地安全芯片调用交易信息，进行交易信息传递。付款方可根据收款方发送的指令，通过本地安全芯片调用交易信息，并发送到收款方。
步骤S204：对交易信息进行本地验证或传递至运营机构后台验证；
具体地，收款方可根据交易信息类型确定由本地验证或传递至对应的运营机构后台进行验证。例如付款方发送的是数字货币，则可由收款方本地验证，而例如付款方发送的是母钱包账户标识，则可传递到相应的运营机构后台进行验证。
收款方可通过终端通信模块与运营机构后台建立连接，终端通信 模块用于将交易信息传递至运营机构后台。
运营机构后台通过自身的机构后台交易模块记录标识信息与用户钱包/数字货币的映射关系，验证用户交易信息的合法性，以及记录该标识信息对应用户的交易状态、余额信息等。
步骤S205：记录交易流水并更新余额。
付款方在收到收款方验证通过的返回结果后，付款方记录交易流水，并更新数字货币余额。
交易信息验证通过，发起扣款并更新余额具体可以有四种方法：方法一是标识信息为付款方的本地钱包账户标识，由运营机构后台进行扣款，付款方收到扣款完成指令，更新本地钱包余额；方法二是标识信息为付款方的母钱包账户标识或其他在线钱包账户标识，运营机构后台进行相应账户扣款，母钱包或其他在线钱包在应用内或通过短信收到扣款通知，付款方本地账户余额不做更新；方法三是标识信息为付款方本地钱包的数字货币标识，例如数字货币冠字号或数字货币的其他标识，由运营机构后台进行扣款，付款方收到扣款完成指令，更新本地数字货币余额；方法四是付款方传递数字货币(币串本身)至收款方，在收款方验证通过后，付款方收到收款方返回的验证成功指令，付款方更新本地数字货币余额。
本公开实施例在付款方存储数字货币及标识信息，根据收款方的指令，传递不同类型的交易信息，收款方的指令与与终端的网络状态、终端形态相关，通过端侧(终端)或运营机构后台验证实现双离线支付或单离线支付。本公开实施例可用于具备联网能力的付款设备以及不具备联网能力的付款设备，可标识不同钱包、母子钱包或单一钱包。
图3至图5示出了本公开实施例的付款设备余额状态，其中，图3 是根据本公开一个实施例的联网手机终端余额状态示意图，图4是根据本公开另一个实施例的联网手机终端余额状态示意图，图5是根据本公开一个实施例的IC卡非联网余额状态示意图。根据图3，本公开实施例的付款设备在为手机终端等具备联网能力的设备的情况下，数字货币钱包可以包括软件钱包/母钱包(即在线钱包)，以及硬件钱包(即本地钱包)，相应地，余额可以包括软件钱包/母钱包(即在线钱包)的余额，以及硬件钱包(即本地钱包)的余额。根据图4，本公开实施例的付款设备在为手机等具备联网能力的设备的情况下，付款设备可以本地存储标识信息和数字货币币串，余额为本地数字货币余额。根据图5，本公开实施例的付款设备在IC卡等不具有联网能力的设备的情况下，付款设备可以在本地存储标识信息和数字货币币串，余额为本地数字货币余额。
本公开实施例该方法和系统应用于手机终端等具备联网能力的数字货币钱包时，能做到用户息屏支付，特别时在母子钱包体系中，在收款方在线时，可传递母钱包的交易标识，进行钱包母账户支付；在收款方离线时，支持传递数字货币，进行本地钱包支付。
本公开实施例应用于IC卡、可视IC卡等不具备联网能力的数字货币钱包时，在收款方在线时，可传递本地账户的标识信息(本地钱包账户标识)或数字货币冠字号进行本地钱包支付；在收款方离线时，支持传递数字货币(即数字货币币串)，进行本地钱包支付。支持双离线及单离线操作，安全芯片维护统一余额更新。本公开实施例在交易双方联网的情况下极大提升交易速率，而双方在无网络的情况下可通过传递数字货币进行双离线交易，提升了交易的扩展性及覆盖度。
当应用在手机终端等联网设备，如使用母钱包标识信息进行支付，则由母钱包App或短信接收扣款通知，本地余额不做变更。应用在IC卡等非联网设备，使用本地钱包标识信息、冠字号(数字货币标识)、数字货币进行支付，本地余额进行统一更新，有效避免了账户显示不 一致的问题。并可实现在用户无感的情况下同时兼容数字货币的双离线交易及单离线交易，且在单离线交易时极大提升了交易速率，有效提升了用户体验。
图6是根据本公开一个实施例的数字货币支付装置的主要模块示意图。如图6所示，本公开一个实施例的数字货币支付装置600位于支付设备中，数字货币支付装置600主要包括：交易信息确定模块601、安全芯片存储模块602、余额更新模块603。
交易信息确定模块601，用于根据收款设备发送的指令，确定本次数字货币交易的交易信息；
安全芯片存储模块602，用于通过本地安全芯片调用交易信息，并将交易信息发送到收款设备进行验证，交易信息包括数字货币或标识信息，标识信息用于标识付款设备的钱包账户或数字货币；
余额更新模块603，用于在确定交易信息通过验证后，更新数字货币余额。
交易信息确定模块601具体可以用于：根据收款设备发送的指令，按照指令与交易信息类型之间的预设对应关系，确定本次数字货币交易的交易信息，收款设备发送的指令与付款设备、收款设备双方的网络状态和/或设备形态有关。
在收款设备的形态为具有联网能力的设备，且网络状态为在线的情况下，交易信息包括钱包账户标识、数字货币标识、数字货币中的一种。安全芯片存储模块602具体用于：从本地安全芯片获取钱包账户标识、数字货币标识、数字货币中的一种，以生成交易信息。
安全芯片存储模块602还用于：在付款设备进行充值操作时，从数字货币的运营机构后台系统得到下发的数字货币，并将对应的数字货币标识存储在本地安全芯片中。
在基于数字货币标识生成交易信息的情况下，余额更新模块还用于：付款设备在确定交易信息通过验证后，通过数字货币的运营机构后台系统执行扣款操作，付款设备在收到运营机构后台系统返回的扣款完成指令后，更新本地数字货币余额。
在付款设备的形态为具有联网能力的设备的情况下，钱包账户标识为付款设备的母钱包账户标识、其他在线钱包账户标识、本地钱包账户标识中的一种；在付款设备的形态为不具有联网能力的设备的情况下，钱包账户标识为付款设备的本地钱包账户标识。
安全芯片存储模块602还用于：在付款设备开立钱包账户时接收数字货币的运营机构后台系统下发的钱包账户标识，并将钱包账户标识存储在本地安全芯片，在钱包账户标识为本地钱包账户标识的情况下，当付款设备进行充值操作时，运营机构后台系统记录充值的数字货币与本地钱包账户标识的映射关系。
在基于本地钱包账户标识生成交易信息的情况下，余额更新模块603还用于：在确定交易信息通过验证后，通过运营机构后台系统执行扣款操作，根据运营机构后台系统返回的扣款完成指令，更新本地钱包账户的数字货币余额。
在基于母钱包账户标识或其他在线钱包账户标识生成交易信息的情况下，余额更新模块603还用于：在确定交易信息通过验证后，通过运营机构后台系统执行扣款操作，并在相应的母钱包应用或在线钱包应用内更新数字货币余额，对本地钱包账户的数字货币余额不做更新。
在收款设备的形态为不具有联网能力的设备，或者，收款设备的形态为具有联网能力的设备但网络状态为离线的情况下，交易信息包 括数字货币。安全芯片存储模块602还用于：付款设备从本地安全芯片获取数字货币，以生成交易信息。
在基于数字货币生成交易信息的情况下，余额更新模块还用于：在确定交易信息通过验证后，更新本地数字货币余额。
本公开实施例在收款方离线时，双方身份验证后，传递数字货币表达式，验证通过，实现双离线支付，同时安全芯片内记录交易流水，更改数字货币余额。在收款方在线时，付款方传递后台映射的交易信息，通过安全芯片与机构后台的对称密钥进行验证，验证通过进行后台映射账户扣款，同时安全芯片内记录交易流水，更改数字货币余额、该方案大幅提升了数字货币支付的覆盖度，有效降低了交易时间，保证了余额的有效性。
另外，在本公开实施例中数字货币支付装置的具体实施内容，在上面数字货币支付方法中已经详细说明了，故在此重复内容不再说明。
图7示出了可以应用本公开实施例的数字货币支付方法或数字货币支付装置的示例性系统架构700。
如图7所示，系统架构700可以包括终端设备701、702、703，网络704和服务器705。网络704用以在终端设备701、702、703和服务器705之间提供通信链路的介质。网络704可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。
用户可以使用终端设备701、702、703通过网络704与服务器705交互，以接收或发送消息等。终端设备701、702、703上可以安装有各种通讯客户端应用，例如购物类应用、网页浏览器应用、搜索类应用、即时通信工具、邮箱客户端、社交平台软件等(仅为示例)。
终端设备701、702、703可以是具有显示屏并且支持网页浏览的各种电子设备，包括但不限于智能手机、平板电脑、膝上型便携计算机和台式计算机等等。
服务器705可以是提供各种服务的服务器，例如对用户利用终端设备701、702、703所浏览的购物类网站提供支持的后台管理服务器(仅为示例)。后台管理服务器可以对接收到的交易信息等数据进行分析等处理，并将处理结果(例如交易结果--仅为示例)反馈给终端设备。
需要说明的是，本公开实施例所提供的数字货币支付方法一般由终端设备701、702、703执行，相应地，数字货币支付装置一般设置于终端设备701、702、703中。
应该理解，图7中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。
下面参考图8，其示出了适于用来实现本公开实施例的终端设备的计算机系统800的结构示意图。图8示出的终端设备仅仅是一个示例，不应对本公开实施例的功能和使用范围带来任何限制。
如图8所示，计算机系统800包括中央处理单元(CPU)801，其可以根据存储在只读存储器(ROM)802中的程序或者从存储部分808加载到随机访问存储器(RAM)803中的程序而执行各种适当的动作和处理。在RAM 803中，还存储有系统800操作所需的各种程序和数据。CPU 801、ROM 802以及RAM 803通过总线804彼此相连。输入/输出(I/O)接口805也连接至总线804。
以下部件连接至I/O接口805：包括键盘、鼠标等的输入部分806；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的 输出部分807；包括硬盘等的存储部分808；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分809。通信部分809经由诸如因特网的网络执行通信处理。驱动器810也根据需要连接至I/O接口805。可拆卸介质811，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器810上，以便于从其上读出的计算机程序根据需要被安装入存储部分808。
特别地，根据本公开的实施例，上文参考流程图描述的过程可以被实现为计算机软件程序。例如，本公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分809从网络上被下载和安装，和/或从可拆卸介质811被安装。在该计算机程序被中央处理单元(CPU)801执行时，执行本公开的系统中限定的上述功能。
需要说明的是，本公开所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本公开中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本公开中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何 计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。
附图中的流程图和框图，图示了按照本公开各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
描述于本公开实施例中所涉及到的模块可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的模块也可以设置在处理器中，例如，可以描述为：一种处理器包括交易信息确定模块、安全芯片存储模块、余额更新模块。其中，这些模块的名称在某种情况下并不构成对该模块本身的限定，例如，交易信息确定模块还可以被描述为“用于根据收款设备发送的指令，确定本次数字货币交易的交易信息的模块”。
作为另一方面，本公开还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，使得该设备包括：付款设备根据收款设备发送的指令，确定本次数字货币交易的 交易信息；所述付款设备通过本地安全芯片调用所述交易信息，并将所述交易信息发送到所述收款设备进行验证，所述交易信息包括数字货币或标识信息，所述标识信息用于标识所述付款设备的钱包账户或数字货币；所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额。
根据本公开实施例的技术方案，付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息，通过本地安全芯片调用交易信息，并将交易信息发送到收款设备进行验证，交易信息包括数字货币或标识信息，标识信息用于标识付款设备的钱包账户或数字货币，付款设备在确定交易信息通过验证后，更新数字货币余额。能够支持双离线交易，满足场景广覆盖需求，且耗时短，在联网情况下交易速率快。
上述具体实施方式，并不构成对本公开保护范围的限制。本领域技术人员应该明白的是，取决于设计要求和其他因素，可以发生各种各样的修改、组合、子组合和替代。任何在本公开的精神和原则之内所作的修改、等同替换和改进等，均应包含在本公开保护范围之内。

Claims (14)

  1. 一种数字货币支付方法，包括：
    付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息；
    所述付款设备通过本地安全芯片调用所述交易信息，并将所述交易信息发送到所述收款设备进行验证，所述交易信息包括数字货币或标识信息，所述标识信息用于标识所述付款设备的钱包账户或数字货币；
    所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额。
  2. 根据权利要求1所述的方法，其中，所述付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息，包括：
    所述付款设备根据所述收款设备发送的指令，按照指令与交易信息类型之间的预设对应关系，确定本次数字货币交易的交易信息，所述收款设备发送的指令与所述付款设备、所述收款设备双方的网络状态和/或设备形态有关。
  3. 根据权利要求2所述的方法，其中，在所述收款设备的形态为具有联网能力的设备，且网络状态为在线的情况下，所述交易信息包括钱包账户标识、数字货币标识、数字货币中的一种；
    所述付款设备通过本地安全芯片调用所述交易信息，包括：
    所述付款设备从所述本地安全芯片获取所述钱包账户标识、所述数字货币标识、所述数字货币中的一种，以生成所述交易信息。
  4. 根据权利要求3所述的方法，其中，所述付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息之前，包括：
    所述付款设备在进行充值操作时，从所述数字货币的运营机构后台系统得到下发的所述数字货币，并将对应的所述数字货币标识存储 在所述本地安全芯片中。
  5. 根据权利要求3或4所述的方法，其中，在基于所述数字货币标识生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：
    所述付款设备在确定所述交易信息通过所述验证后，通过所述数字货币的运营机构后台系统执行扣款操作，所述付款设备在收到所述运营机构后台系统返回的扣款完成指令后，更新本地数字货币余额。
  6. 根据权利要求3所述的方法，其中，在所述付款设备的形态为具有联网能力的设备的情况下，所述钱包账户标识为所述付款设备的母钱包账户标识、其他在线钱包账户标识、本地钱包账户标识中的一种；在所述付款设备的形态为不具有联网能力的设备的情况下，所述钱包账户标识为所述付款设备的本地钱包账户标识。
  7. 根据权利要求6所述的方法，其中，所述付款设备根据收款设备发送的指令，确定本次数字货币交易的交易信息之前，包括：
    所述付款设备在开立钱包账户时接收所述数字货币的运营机构后台系统下发的所述钱包账户标识，并将所述钱包账户标识存储在所述本地安全芯片，在所述钱包账户标识为所述本地钱包账户标识的情况下，当所述付款设备进行充值操作时，所述运营机构后台系统记录充值的数字货币与所述本地钱包账户标识的映射关系。
  8. 根据权利要求7所述的方法，其中，在基于所述本地钱包账户标识生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：
    所述付款设备在确定所述交易信息通过所述验证后，通过所述运营机构后台系统执行扣款操作，所述付款设备根据所述运营机构后台系统返回的扣款完成指令，更新本地钱包账户的数字货币余额。
  9. 根据权利要求6或7所述的方法，其中，在基于所述母钱包账户标识或所述其他在线钱包账户标识生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：
    所述付款设备在确定所述交易信息通过所述验证后，通过所述运营机构后台系统执行扣款操作，并在相应的母钱包应用或在线钱包应用内更新数字货币余额，对本地钱包账户的数字货币余额不做更新。
  10. 根据权利要求2所述的方法，其中，在所述收款设备的形态为不具有联网能力的设备，或者，所述收款设备的形态为具有联网能力的设备但网络状态为离线的情况下，所述交易信息包括所述数字货币；
    所述付款设备通过本地安全芯片调用所述交易信息，包括：
    所述付款设备从所述本地安全芯片获取所述数字货币，以生成所述交易信息。
  11. 根据权利要求10所述的方法，其中，在基于所述数字货币生成所述交易信息的情况下，所述付款设备在确定所述交易信息通过所述验证后，更新数字货币余额，包括：
    所述付款设备在确定所述交易信息通过所述验证后，更新本地数字货币余额。
  12. 一种数字货币支付装置，位于支付设备中，所述装置包括：
    交易信息确定模块，用于根据收款设备发送的指令，确定本次数字货币交易的交易信息；
    安全芯片存储模块，用于通过本地安全芯片调用所述交易信息，并将所述交易信息发送到所述收款设备进行验证，所述交易信息包括数字货币或标识信息，所述标识信息用于标识所述付款设备的钱包账户或数字货币；
    余额更新模块，用于在确定所述交易信息通过所述验证后，更新数字货币余额。
  13. 一种电子设备，包括：
    一个或多个处理器；
    存储器，用于存储一个或多个程序，
    当所述一个或多个程序被所述一个或多个处理器执行时，使得所述一个或多个处理器实现如权利要求1-11中任一所述的方法。
  14. 一种计算机可读介质，其上存储有计算机程序，所述计算机程序被处理器执行时实现如权利要求1-11中任一所述的方法。
PCT/CN2022/124040 2021-10-19 2022-10-09 一种数字货币支付方法和装置 WO2023066040A1 (zh)

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