WO2023173965A1

WO2023173965A1 - Digital currency transaction method and device

Info

Publication number: WO2023173965A1
Application number: PCT/CN2023/075227
Authority: WO
Inventors: 穆长春; 狄刚; 赵新宇; 陈松; 于鹏; 崔沛东
Original assignee: 中国人民银行数字货币研究所
Priority date: 2022-03-15
Filing date: 2023-02-09
Publication date: 2023-09-21
Also published as: CN114819953A

Abstract

The present disclosure relates to the technical field of computers, and discloses a digital currency transaction method and device. A specific implementation of the method comprises: when a first transaction terminal is in a power-on state, sending, by means of a digital currency application, an input power-free transaction parameter to a digital currency card application device running in an SIM card of the first transaction terminal, so as to set the power-free transaction parameter by the digital currency card application device, the digital currency application being provided in the first transaction terminal; and after the first transaction terminal is powered off due to no power, when a transaction request send by a second transaction terminal is received, the first transaction terminal executing, by means of the digital currency card application device, a digital currency transaction with the second transaction terminal according to the power-free transaction parameter.

Description

A digital currency transaction method and device

Cross-references to related applications

This application claims priority to the Chinese patent application No. 202210255449.7 with the invention title "A digital currency transaction method and device" submitted on March 15, 2022. The disclosure of the above Chinese patent application is quoted in its entirety as this document. part or all of the application.

Technical field

The present disclosure relates to the field of computer technology, and in particular, to a digital currency transaction method and device.

Background technique

NFC (Near Field Communication, full name in Chinese is near field communication technology) is developed based on non-contact radio frequency identification (RFID) technology and combined with wireless interconnection technology. As an important wireless communication technology, NFC provides a non-touch wireless communication solution, that is, two devices can complete data communication when they are close to each other, allowing consumers to exchange information, access and services more quickly and intuitively. Features such as security and low power consumption have become the main technologies used in short-distance communications.

At present, with the rapid development of mobile smart terminals (including smart phones, smart watches, smart POS (Point of sales, point of sale information management system)), NFC functions have been widely used in financial payments on smart terminals. field. When consumers purchase goods or services, they can instantly use NFC technology to complete payment through smart terminals, which is fast and safe. The core of the NFC payment system is the SE (Secure Element) security module, which is responsible for ensuring the security of the payment system. As a carrier of financial accounts, SE is also the core of the NFC payment system. It can be solidified in a smartphone or in the form of a detachable device such as a Subscriber Identity Module (SIM card).

In the process of realizing digital currency transactions through NFC, the inventor found that there are at least the following problems in the existing technology:

It is impossible to realize digital currency transactions such as no-power payment or no-power collection using mobile smart terminals based on SIM cards.

Contents of the invention

In view of this, embodiments of the present disclosure provide a digital currency transaction method and device.

To achieve the above object, according to one aspect of an embodiment of the present disclosure, a digital currency transaction method is provided.

A digital currency transaction method, including: when the first transaction terminal is powered on, sending the input powerless transaction parameters to the digital currency card application device running in the SIM card of the first transaction terminal through a digital currency application program , to set the power-free transaction parameters by the digital currency card application device, and the digital currency application program is set in the first transaction terminal; after the first transaction terminal is shut down without power, when receiving the A transaction request issued by two transaction terminals. The first transaction terminal executes a digital currency transaction with the second transaction terminal according to the powerless transaction parameters through the digital currency card application device.

According to another aspect of embodiments of the present disclosure, a digital currency transaction device is provided.

A digital currency transaction device, including: a parameter setting module configured to send input powerless transaction parameters to the SIM card of the first transaction terminal through a digital currency application program when the first transaction terminal is powered on. A running digital currency card application device is configured to set the powerless transaction parameters by the digital currency card application device, and the digital currency application program is configured in the first transaction terminal; a transaction execution module is configured to operate in the first transaction terminal. After the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal executes the transaction with the second transaction according to the power-free transaction parameters through the digital currency card application device. Digital currency transactions between trading terminals.

According to yet another aspect of embodiments of the present disclosure, an electronic device is provided.

An electronic device, comprising: one or more processors; a memory configured to store one or more programs, such that when the one or more programs are executed by the one or more processors, the one Or multiple processors implement the digital currency transaction method provided by the embodiments of the present disclosure.

According to yet another aspect of embodiments of the present disclosure, a computer-readable medium is provided.

A computer-readable medium on which a computer program is stored. When the computer program is executed by a processor, the digital currency transaction method provided by the embodiment of the present disclosure is implemented.

Further effects of the above-mentioned non-conventional optional methods will be described below in conjunction with specific implementations.

Description of the drawings

The accompanying drawings are used for a better understanding of the present disclosure and do not constitute an improper limitation of the present disclosure. in:

Figure 1 is a schematic diagram of the main steps of a digital currency transaction method according to an embodiment of the present disclosure;

Figure 2 is a schematic diagram of a digital currency transaction process according to an embodiment of the present disclosure;

Figure 3 is a schematic flowchart of the SIM card-based electricityless payment setting process of a mobile smart terminal according to an embodiment of the present disclosure;

Figure 4 is a schematic flow diagram of a system for paying digital currency when a mobile smart terminal is powered off based on a SIM card according to an embodiment of the present disclosure;

Figure 5 is a schematic diagram of the main modules of a digital currency transaction device according to an embodiment of the present disclosure;

Figure 6 is an exemplary system architecture diagram in which embodiments of the present disclosure may be applied;

FIG. 7 is a schematic structural diagram of a computer system suitable for implementing a terminal device or server according to an embodiment of the present disclosure.

Detailed ways

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

Figure 1 is an illustration of the main steps of a digital currency transaction method according to an embodiment of the present disclosure. intention. As shown in Figure 1, the digital currency transaction method according to one embodiment of the present disclosure mainly includes the following steps S101 to S102.

Step S101: When the first transaction terminal is powered on, the input powerless transaction parameters are sent to the digital currency card application device running in the SIM card of the first transaction terminal through the digital currency application program, so that the digital currency card application device Set electricity-free transaction parameters;

Step S102: After the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal executes the transaction with the second transaction terminal according to the power-free transaction parameters through the digital currency card application device. Digital currency trading.

The first trading terminal is in a powered-on state, that is, the first trading terminal is in a normal working state after being powered on.

No power shutdown of the first transaction terminal means that the first transaction terminal is shut down due to lack of power. The "no power" here means that the power supply is insufficient to support the startup operation, but it can work for the NFC chip and SIM card in the first transaction terminal. powered by.

The digital currency application is the digital currency APP installed in the first transaction terminal.

The SIM card is a secure unit in the first transaction terminal.

When the first transaction terminal is powered on, the SIM card can be set as the default transaction wallet through the digital currency application, so that after the first transaction terminal is shut down without power, the default transaction wallet can be used to conduct digital currency transactions.

In one embodiment, the SIM card uses a power supply pin to determine that the first transaction terminal is shut down without power. The power supply pin is a pin connected to the power supply of the first transaction terminal. When the power supply pin obtains the first When the power indication of the trading terminal is in the preset power state, the corresponding detection result is that the first trading terminal is shut down without power. The power supply pin can directly obtain the level of the power supply, mainly to obtain whether the power supply is in a high power state or a weak power state. The high power state indicates that the power supply has power, and the weak power state indicates that the power supply has no power. Shut down. Taking the first transaction terminal as a smartphone as an example, the power supply pin may be the C6 pin of the chip in the mobile phone.

In another embodiment, it is determined that the first transaction terminal is shut down without power by obtaining the power status value of the first transaction terminal set by the digital currency card application device, wherein the obtained power status value indicates that the first transaction terminal When the terminal is in the power-off state, the corresponding detection result is that the first transaction terminal is powered-off.

The power state value may include a power-on state, a power-off state, and a power-off power-off state. The power-on state refers to the normal working state of the first transaction terminal after it is turned on; the power-off state means that the first transaction terminal is turned off but the power supply is sufficient. It supports the power-on operation state. The power required for the power-on operation is greater than the power required for the operation of the NFC chip and SIM card in the first transaction terminal; the first transaction terminal is in a power-off shutdown state, that is, the first transaction terminal is shut down and the power supply is insufficient. To support power-on operation, but can provide power to the NFC chip and SIM card in the first transaction terminal.

When the first transaction terminal is powered on, when the digital currency card application device receives an instruction signal from the operating system of the first transaction terminal that the first transaction terminal is about to shut down without power, the digital currency card application device transfers the first transaction to The power status value of the terminal is set to power-off state.

As an alternative embodiment, the operating system of the first transaction terminal can also notify the security unit of the digital currency card application device of the SIM card in other ways that the first transaction terminal is about to shut down without power. For example, the operating system of the first transaction terminal sends a broadcast to notify The digital currency card application device will be powered off with respect to the first transaction terminal. Alternatively, the digital currency card application device on the SIM card of the security unit can obtain or record the power-off status through other interfaces.

The power status value of the first transaction terminal can be stored through the digital currency card application device of the SIM card of the security unit. When the power status value of the first transaction terminal changes, such as turning off without power and power on or other status changes, Changes in the power status value of the first transaction terminal can be monitored through the operating system of the first transaction terminal.

After the digital currency card application device sets the power status value of the first transaction terminal to the power-off shutdown state, the set power-free transaction parameters take effect.

In one embodiment, the powerless transaction parameters include one or more of the total amount of password-free transactions, the amount of a single transaction, and the upper limit of the number of transactions. The first transaction terminal executes the digital currency transaction with the second transaction terminal through the digital currency card application device according to the no-power transaction parameters. The specific steps include: obtaining the no-power transaction parameters through the digital currency card application device; according to the no-power transaction parameters Verify the transaction information, including: when the electricityless transaction parameters include the total amount of password-free transactions, verify whether the cumulative transaction amount does not exceed the total amount of password-free transactions. If it does not exceed the total amount of password-free transactions, the verification is passed. Otherwise, the verification is passed. Failure, accumulated transactions The amount is the sum of the total amount of password-free transactions in the past and the transaction amount in this transaction information; when the non-electric transaction parameters include a single transaction amount, verify whether the transaction amount in this transaction information does not exceed the single transaction amount. If the transaction limit is not exceeded, the verification passes, otherwise the verification fails; when the powerless transaction parameters include the upper limit of the number of transactions, verify whether the cumulative number of password-free transactions does not exceed the upper limit of the number of transactions. If it does not exceed the upper limit of the number of transactions, then If the verification is passed, otherwise the verification is not passed, the cumulative number of password-free transactions is equal to the number of password-free transactions in the past plus 1; when the first transaction terminal passes the verification of this transaction information, the number between the execution and the second transaction terminal Currency Transactions.

Before executing the digital currency transaction with the second transaction terminal, the user certificate and user signature of the first transaction terminal can be sent to the second transaction terminal, and the user certificate and user signature of the second transaction terminal sent by the second transaction terminal can be received. , confirming that the identity authentication performed by both the first transaction terminal and the second transaction terminal using the other party's user certificate and user signature respectively has passed. If the identity authentication of either party fails, the transaction process ends.

In one embodiment, before executing a digital currency transaction with the second transaction terminal, an instruction indicating the transaction can be sent to the SIM card through the digital currency card application device, so that the SIM card notifies the first transaction terminal to display a display for inputting personal information. The input box or input interface for the personal identification code (PIN code), and after receiving the personal identification code input by the user in the input box or input interface, the digital currency card application device confirms that the personal identification code entered by the user is the same as the personal identification code entered by the user in the SIM card. 's saved personal identification code matches. In this way, there is no need for the first transaction terminal to control the transaction process, and the user can control whether the transaction process continues. For example, if the user enters a wrong personal identification code, the transaction process can be terminated.

The transaction in the embodiment of the present disclosure may specifically be payment, or may be payment collection.

In one embodiment, the digital currency transaction is digital currency payment, the first transaction terminal is a payment terminal and the second transaction terminal is a collection terminal.

Execute a digital currency transaction with the second transaction terminal. Specifically, if the input password information received by the payment terminal is consistent with the user password information of the payment terminal, the digital currency transaction is successful; otherwise, the transaction fails, where, The payment terminal is powered on. The input password information may be the password information input by the payment terminal user received by the payment terminal, and the user password information of the payment terminal may be the password information preset by the payment terminal user. The password information may specifically be a password. In this way, the first transaction terminal can be realized without power Passwords are verified via the payee's device when paying digital currency.

In another embodiment, the digital currency transaction is digital currency payment, the second transaction terminal is a payment terminal and the first transaction terminal is a payment terminal.

In one embodiment, the digital currency card application device is always in an activated state after the first transaction terminal is powered on and shut down without power. Only the digital currency card application device in the activated state can work normally.

The first transaction terminal or the second transaction terminal may specifically be a mobile smart device such as a smartphone or a smart wearable device.

Mobile smart devices can store digital currency through the secure unit SIM card when they are powered off.

Embodiments of the present disclosure can enable the digital currency card application device on the SIM card of the security unit of the mobile smart device to realize payment of digital currency when the digital currency card application device is activated after the mobile smart device is shut down without power.

Figure 2 is a schematic diagram of a digital currency transaction process according to an embodiment of the present disclosure. As shown in Figure 2, taking the digital currency transaction as digital currency payment as an example, in the digital currency payment scenario, the electricity-free transaction parameters can also be called electricity-free payment parameters. The digital currency payment process is executed through mobile smart devices. The process specifically includes:

Step S201: With the mobile smart device powered on, set the security unit SIM card as the default payment wallet through the digital currency APP or system settings.

Step S202: When the mobile smart device is powered on, send an instruction through the digital currency APP to the digital currency card application device running on the SIM card of the security unit, so that the digital currency card application device sets the powerless payment parameters.

The instructions sent by the digital currency APP include the powerless payment parameters set by the user through the interface of the digital currency APP. The powerless payment parameters include the total amount of power-off password-free payment, the single payment amount, the upper limit of the number of payments, etc.

Step S203: When the mobile smart device is about to shut down without power, the operating system of the mobile smart device obtains the signal that it is about to shut down without power, and then sends an instruction to the digital currency card application device on the SIM card of the security unit to notify the mobile smart device that it is about to shut down. When shutting down without power, the digital currency card application device on the SIM card of the security unit sets the power status value to a power-off state.

The no-power state is specifically the no-power shutdown state. At this time, the power-free payment parameters such as the total amount of power-off password-free payment, the single payment amount, the upper limit of the number of payments, etc. take effect;

Step S204: When the mobile smart device pays digital currency in a power-off state, the digital currency card application device on the SIM card of the security unit of the mobile smart device is in an activated state, the mobile smart device is in a black screen state, and both the payer and the payer perform identity verification. Then, send payment information such as digital currency, digital currency identification or user identification to the payee.

The payer among the two parties is the mobile smart device of this embodiment, and the payee can be a smart phone, a smart watch, a smart bracelet, a smart POS machine, etc.

The digital currency card application device can only work properly when it is activated.

The identity verification process of both the payer and the payer is: the payer and payer send their own user certificates and user signatures to each other for verification. If the user certificate and user signature pass the verification, the identity authentication of the party to which the user certificate belongs passes. Otherwise, the identity authentication fails. If the identity authentication of both parties passes, it means that the identity authentication of both the payer and the payer is successful, and then the subsequent process of the transaction will continue, otherwise the transaction process will be terminated.

Figure 3 is a schematic flowchart of the SIM card-based electricityless payment setting process of a mobile intelligent terminal according to an embodiment of the present disclosure. As shown in Figure 3, the process specifically includes: when the mobile smart terminal is turned on, use the digital currency APP to set the SIM card as the default wallet; in the digital currency APP, the digital currency APP receives the input powerless payment parameters, such as password-free The total amount of payment, single transaction limit, payment limit, etc.; the digital currency APP sends an instruction to set the powerless payment parameters to the digital currency card application device in the security unit SIM card; the digital currency card application device in the security unit SIM card receives the instruction. Set instructions to save power-free payment parameters; when the mobile smart terminal shuts down without power, the operating system sends an instruction to set the power-free state to the digital currency card application device of the security unit SIM card; the digital currency card application device of the security unit SIM card Set the power status value to no power state, and the no power payment parameters will take effect at the same time.

In the scenario of no-power collection of digital currency, those skilled in the art can refer to the no-power payment setting process of this embodiment to complete the no-power collection setting process. The digital currency card application device will set the no-power payment according to the setting process sent by the digital currency APP. Instructions for payment parameters are used to set parameters for payment without electricity.

Figure 4 is a schematic flowchart of a system for paying digital currency when a mobile smart terminal is powered off based on a SIM card according to an embodiment of the present disclosure. As shown in Figure 4, the payer is a mobile smart terminal and the payee is a digital currency collection terminal. The specific process includes: inputting the amount of digital currency to be collected on the side of the digital currency collection terminal; the mobile smart terminal "touches" The digital currency collection terminal makes payment. Based on the "touch" action, the mobile smart terminal receives the NFC field strength to establish a connection with the digital currency collection terminal; the payer and the payer exchange user information to verify the user's legitimacy. After the verification is passed Then execute the next step; read the power status value. If the power status value indicates a no-power shutdown state, the digital currency will be paid according to the no-power shutdown payment rules. The digital currency will be paid according to the no-power shutdown payment rules, that is, according to the no-power payment parameters. The process of digital currency payment; the payer sends digital currency, digital currency identification or user identification to the payee, and the payee verifies the legality of the digital currency, digital currency identification or user identification and other information. If the information verification passes, then To perform payment collection, the information verification may be that the payee uses the root certificate to verify whether the received digital currency signature is correct, or to verify whether the digital currency identification or user identification is correspondingly a predetermined digital currency identification or user identification; receiving The payer returns the payment result to the digital currency card application device of the payer's secure unit SIM card.

Figure 5 is a schematic diagram of the main modules of a digital currency transaction device according to an embodiment of the present disclosure. As shown in Figure 5, a digital currency trading device 500 according to an embodiment of the present disclosure mainly includes: a parameter setting module 501 and a transaction execution module 502.

The parameter setting module 501 is configured to send the input powerless transaction parameters to the digital currency card application device running in the SIM card of the first transaction terminal through the digital currency application program when the first transaction terminal is powered on. The digital currency card application device sets powerless transaction parameters, and the digital currency application program is installed in the first transaction terminal.

The transaction execution module 502 is configured so that after the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal executes the transaction with the second transaction through the digital currency card application device according to the power-free transaction parameters. Digital currency transactions between trading terminals.

The digital currency transaction device 500 may also include a default wallet setting module configured to set the SIM card as a default transaction wallet through a digital currency application.

The digital currency transaction device 500 may also include a no-power shutdown detection module.

In one embodiment, the no-power shutdown detection module is configured to use the power supply pin of the SIM card to determine that the first transaction terminal is shut down without power. The power supply pin is connected to the power supply of the first transaction terminal. When the power supply pin is connected to the power supply of the first transaction terminal, When the foot obtains that the power indication of the first transaction terminal is a preset power state, the corresponding detection result is that the first transaction terminal is shut down without power.

In another embodiment, the no-power shutdown detection module is configured to: determine that the first transaction terminal is no-power shutdown by obtaining the power status value of the first transaction terminal set by the digital currency card application device, wherein, after obtaining When the power status value indicates that the first transaction terminal is in a power-off state, the corresponding detection result is that the first transaction terminal is in a power-off state.

The digital currency transaction device 500 may also include a power state setting module, which is configured to: when the first transaction terminal is powered on, when the digital currency card application device receives a signal from the operating system of the first transaction terminal that the first transaction terminal is about to become unavailable. After the power shutdown instruction signal is received, the digital currency card application device sets the power status value of the first transaction terminal to a power-off shutdown state.

In one embodiment, the powerless transaction parameters include one or more of the total amount of password-free transactions, the amount of a single transaction, and the upper limit of the number of transactions. The transaction execution module is specifically configured to: obtain the no-power transaction parameters through the digital currency card application device; verify the transaction information based on the no-power transaction parameters, where: when the no-power transaction parameters include the total amount of the secret-free transaction , verify whether the cumulative transaction amount does not exceed the total limit of password-free transactions. The cumulative transaction amount is the sum of the total amount of password-free transactions in the past and the transaction amount in this transaction information; if the no-power transaction parameters include the single transaction limit In this case, verify whether the transaction amount in this transaction information does not exceed the single transaction limit; in the case where the powerless transaction parameters include the upper limit of the number of transactions, verify whether the cumulative number of password-free transactions does not exceed the upper limit of the number of transactions. The number of password-free transactions is equal to the number of password-free transactions in the past plus 1; the first trading terminal will execute the digital currency transaction with the second trading terminal if the current transaction information is verified.

The digital currency transaction device 500 may also include an identity authentication module configured to: send the user certificate and user signature of the first transaction terminal to the second transaction terminal, and receive the user certificate and user signature of the second transaction terminal sent by the second transaction terminal. Sign to confirm the first transaction is finalized The identity authentication carried out by both the terminal and the second transaction terminal using the other party's user certificate and user signature respectively passed.

The digital currency transaction device 500 may also include a first authentication module configured to: send an instruction instructing the transaction to the SIM card through the digital currency card application device, so that the SIM card notifies the first transaction terminal to display a message for inputting the personal identification code. Input box or input interface, and after receiving the personal identification code input by the user in the input box or input interface, the digital currency card application device confirms that the personal identification code entered by the user is consistent with the personal identification code stored in the SIM card. .

The transaction execution module 502 is specifically configured to: when the input password information received by the payment terminal is consistent with the user password information of the payment terminal, the digital currency transaction is successful; otherwise, the transaction fails, and the payment terminal is powered on. .

In another embodiment, the digital currency transaction is digital currency collection, the second transaction terminal is a payment terminal and the first transaction terminal is a collection terminal; the digital currency card application device is powered on at the first transaction terminal and shut down without power. is always active.

In addition, the specific implementation content of the digital currency transaction device in the embodiment of the present disclosure has been described in detail in the above-mentioned digital currency transaction method, so the repeated content will not be described here.

FIG. 6 shows an exemplary system architecture 600 in which a digital currency transaction method or a digital currency transaction device according to an embodiment of the present disclosure can be applied.

As shown in Figure 6, the system architecture 600 may include terminal devices 601, 602, 603, a network 604 and a server 605. Network 604 is a medium used to provide communication links between terminal devices 601, 602, 603 and server 605. Network 604 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

Users can use terminal devices 601, 602, 603 to interact with the server 605 through the network 604 to receive or send messages, etc. Various communication client applications can be installed on the terminal devices 601, 602, and 603, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

The terminal devices 601, 602, and 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and so on.

The server 605 may be a server that provides various services, such as a backend management server that provides support for shopping websites browsed by users using the terminal devices 601, 602, and 603 (example only). The background management server can analyze and process the received product information query request and other data, and feed back the processing results (such as target push information, product information - only examples) to the terminal device.

It should be noted that the digital currency transaction method provided by the embodiment of the present disclosure is generally executed by the server 605. Correspondingly, the digital currency transaction device is generally provided in the server 605.

It should be understood that the number of terminal devices, networks and servers in Figure 6 is only illustrative. Depending on implementation needs, there can be any number of end devices, networks, and servers.

Referring now to FIG. 7 , a schematic structural diagram of a computer system 700 suitable for implementing a terminal device or server according to an embodiment of the present application is shown. The terminal device or server shown in Figure 7 is only an example and should not impose any restrictions on the functions and scope of use of the embodiments of the present application.

As shown in Figure 7, computer system 700 includes a central processing unit (CPU) 701 that can operate according to a program stored in a read-only memory (ROM) 702 or loaded from a storage portion 708 into a random access memory (RAM) 703. And perform various appropriate actions and processing. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. CPU 701, ROM 702 and RAM 703 are connected to each other through bus 704. An input/output (I/O) interface 705 is also connected to bus 704.

The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., speakers, etc.; and a storage section 708 including a hard disk, etc. ; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. Driver 710 is also connected to I/O interface 705 as needed. Removable media 711, such as magnetic disks, optical disks, magneto-optical disks, semiconductor memories, etc., according to This needs to be installed on drive 710 so that computer programs read therefrom can be installed into storage portion 708 as needed.

In particular, according to embodiments of the present disclosure, the processes described above with reference to the flowcharts may be implemented as computer software programs. For example, embodiments of the present disclosure include a computer program product including a computer program carried on a computer-readable medium, the computer program including program code for performing the method illustrated in the flowchart. In such embodiments, the computer program may be downloaded and installed from the network via communication portion 709 and/or installed from removable media 711 . When the computer program is executed by the central processing unit (CPU) 701, the above-mentioned functions defined in the system of the present application are executed.

It should be noted that 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. The computer-readable storage medium may be, for example, but is 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 be non-transitory computer-readable storage media, including, but not limited to: electrical connections having one or more wires, portable computer disks, hard drives, 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. As used herein, a computer-readable storage medium may be any tangible medium that contains or stores a program for use by or in connection with an instruction execution system, apparatus, or device. In this application, the computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, in which computer-readable program code is carried. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. A computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium that can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device . Program code embodied on a computer-readable medium may be transmitted using any suitable medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the accompanying drawings illustrate systems according to various embodiments of the present application, The architecture, functionality, and operation of possible implementations of methods and computer program products. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code that contains one or more logic functions that implement the specified executable instructions. It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown one after another may actually execute substantially in parallel, or they may sometimes execute in the reverse order, depending on the functionality involved. It will also be noted that each block in the block diagram or flowchart illustration, and combinations of blocks in the block diagram or flowchart illustration, can be implemented by special purpose hardware-based systems that perform the specified functions or operations, or may be implemented by special purpose hardware-based systems that perform the specified functions or operations. Achieved by a combination of specialized hardware and computer instructions.

The modules involved in the embodiments of the present disclosure can be implemented in software or hardware. The described module can also be set in a processor. For example, it can be described as follows: a processor includes a parameter setting module and a transaction execution module. Among them, the names of these modules do not constitute a limitation on the module itself under certain circumstances. For example, the parameter setting module can also be described as “used to set the first transaction terminal to the digital currency application through the digital currency application when the first transaction terminal is powered on. The input powerless transaction parameters are sent to the digital currency card application device running in the SIM card of the first transaction terminal, so that the digital currency card application device sets the module for the powerless transaction parameters."

As another aspect, the present disclosure also provides a computer-readable medium. The computer-readable medium may be included in the device described in the above embodiments; it may also exist separately without being assembled into the device. The above-mentioned computer-readable medium carries one or more programs. When the above-mentioned one or more programs are executed by a device, the device includes: when the first transaction terminal is powered on, the digital currency application program inputs the The powerless transaction parameters are sent to the digital currency card application device running in the SIM card of the first transaction terminal, so that the digital currency card application device sets the powerless transaction parameters, and the digital currency application is set on the In the first transaction terminal; after the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal uses the digital currency card application device according to the wireless Electronic trading parameters execution and Digital currency transactions between the second transaction terminals.

According to the technical solution of the embodiment of the present disclosure, when the first transaction terminal is powered on, the input powerless transaction parameters are sent to the digital currency card application device running in the SIM card of the first transaction terminal through the digital currency application program, so as to The digital currency card application device sets the no-power transaction parameters. After the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal uses the digital currency card application device to set the no-power transaction parameters. Execute digital currency transactions with the second trading terminal. It can realize digital currency transactions such as no-power payment or no-power collection using mobile smart terminals based on SIM cards.

The above-mentioned specific embodiments do not constitute a limitation on the scope of the present disclosure. It will be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent substitutions, improvements, etc. made within the spirit and principles of this disclosure shall be included in the protection scope of this disclosure.

Industrial applicability

The solutions provided by the embodiments of the present application can be applied to the field of computer technology. In the embodiments of the present application, the input powerless transaction parameters are sent to the first transaction terminal through the digital currency application program when the first transaction terminal is powered on. The digital currency card application device running in the SIM card is used to set the power-free transaction parameters by the digital currency card application device; after the first transaction terminal is shut down without power, when a transaction request from the second transaction terminal is received, the first transaction The terminal executes digital currency transactions with the second transaction terminal through the digital currency card application device according to the no-power transaction parameters, thereby achieving digital currency such as no-power payment or no-power collection with the mobile smart terminal based on the SIM card. Technical effects of trading.

Claims

A digital currency transaction method, including:

When the first transaction terminal is powered on, the input powerless transaction parameters are sent to the digital currency card application device running in the SIM card of the first transaction terminal through the digital currency application program, so that the digital currency card application The device sets the powerless transaction parameters, and the digital currency application is set in the first transaction terminal;

After the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal executes the transaction with the said power-free transaction parameter through the digital currency card application device. Digital currency transactions between second transaction terminals.
The method according to claim 1, wherein when the first transaction terminal is powered on, the method further includes:

Set the SIM card as the default transaction wallet through the digital currency application.
The method according to claim 1, wherein the SIM card uses a power supply pin to determine that the first transaction terminal is shut down without power, wherein the power supply pin is connected to the power supply of the first transaction terminal. , when the power supply pin obtains that the power indication of the first transaction terminal is a preset power state, the corresponding detection result is that the first transaction terminal is shut down without power.
The method according to claim 1, wherein it is determined that the first transaction terminal is shut down without power by obtaining the power status value of the first transaction terminal set by the digital currency card application device, wherein when obtaining When the obtained power status value indicates that the first transaction terminal is in a power-off state, the corresponding detection result is that the first transaction terminal is in a power-off state.
The method according to claim 1, wherein when the first transaction terminal is powered on, the method further includes:

When the digital currency card application device receives the operating system signal of the first transaction terminal, After the indication signal that the first transaction terminal is about to be shut down without power is sent out, the digital currency card application device sets the power state value of the first transaction terminal to a power-down state.
The method according to claim 5, wherein after the digital currency card application device sets the power status value of the first transaction terminal to the power-off shutdown state, the set power-free transaction parameters take effect.
The method according to claim 1, wherein the powerless transaction parameters include one or more of the total amount of password-free transactions, the amount of a single transaction, and the upper limit of the number of transactions;

The first transaction terminal executes a digital currency transaction with the second transaction terminal according to the powerless transaction parameters through the digital currency card application device, including:

Obtain the electricityless transaction parameters through the digital currency card application device;

Verify the transaction information according to the powerless transaction parameters, wherein: when the powerless transaction parameters include the total amount of the secret-free transaction, verify whether the cumulative transaction amount does not exceed the secret-free transaction. The total amount, the cumulative transaction amount is the sum of the total amount of password-free transactions in the past and the transaction amount in the current transaction information; when the powerless transaction parameters include the single transaction amount, verify Whether the transaction amount in the transaction information does not exceed the single transaction limit; when the powerless transaction parameters include the upper limit of the number of transactions, verify whether the cumulative number of password-free transactions does not exceed the transaction number The upper limit of the number, the cumulative number of password-free transactions is equal to the number of password-free transactions in the past plus 1;

If the current transaction information is verified and passed, the first transaction terminal executes a digital currency transaction with the second transaction terminal.
The method according to claim 1 or 7, wherein before executing the digital currency transaction with the second transaction terminal, it further includes:

Send the user certificate and user signature of the first transaction terminal to the second transaction terminal, and receive the user certificate and user signature of the second transaction terminal sent by the second transaction terminal to confirm the first transaction The identity authentication performed by both the terminal and the second transaction terminal using the other party's user certificate and user signature respectively passes.
The method according to claim 1 or 7, wherein before executing the digital currency transaction with the second transaction terminal, it further includes:

An instruction indicating a transaction is sent to the SIM card through the digital currency card application device, so that the SIM card notifies the first transaction terminal to display an input box or input interface for inputting a personal identification code, and displays the input box or input interface on the SIM card. After the input box or input interface receives the personal identification code input by the user, the digital currency card application device confirms that the personal identification code input by the user is consistent with the personal identification code stored in the SIM card.
The method according to claim 1 or 7, wherein the digital currency transaction is digital currency payment, the first transaction terminal is a payment terminal and the second transaction terminal is a collection terminal;

The execution of digital currency transactions with the second transaction terminal includes:

If the input password information received by the payment terminal is consistent with the user password information of the payment terminal, the digital currency transaction is successful; otherwise, the transaction fails, and the payment terminal is in a powered-on state.
The method according to claim 1, wherein the digital currency transaction is digital currency payment, the first transaction terminal is a payment terminal and the second transaction terminal is a collection terminal; or, the digital currency transaction is Digital currency collection, the second transaction terminal is a payment terminal and the first transaction terminal is a collection terminal;

The digital currency card application device is always in an activated state when the first transaction terminal is powered on and shut down without power.
A digital currency trading device, including:

The parameter setting module is configured to send the input powerless transaction parameters to the digital currency card application device running in the SIM card of the first transaction terminal through the digital currency application program when the first transaction terminal is powered on, so as to The powerless transaction parameters are set by the digital currency card application device, and the digital currency application program is set in the first transaction terminal;

The transaction execution module is configured to, after the first transaction terminal is shut down without power, when receiving a transaction request from the second transaction terminal, the first transaction terminal uses the digital currency card application device to execute the transaction according to the wireless transaction request. The electronic transaction parameters execute digital currency transactions with the second transaction terminal.
An electronic device including:

one or more processors;

memory arranged to store one or more programs,

When the one or more programs are executed by the one or more processors, the one or more processors are caused to implement the method as described in any one of claims 1-11.
A computer-readable medium having a computer program stored thereon, which when executed by a processor implements the method according to any one of claims 1-11.