CN113450090A - Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device - Google Patents
Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device Download PDFInfo
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- CN113450090A CN113450090A CN202110322614.1A CN202110322614A CN113450090A CN 113450090 A CN113450090 A CN 113450090A CN 202110322614 A CN202110322614 A CN 202110322614A CN 113450090 A CN113450090 A CN 113450090A
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- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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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
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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- 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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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Abstract
The embodiment of the invention provides a transaction method of acceptance terminal equipment and a digital currency wallet and the acceptance terminal equipment, wherein the method comprises the following steps: the acceptance terminal equipment establishes communication with the digital currency wallet after determining that the user agrees to the transaction; after establishing communication with the digital money wallet, the acceptance terminal device determines whether the digital money wallet is located in a secure transaction area; and if the digital money wallet is positioned in the safe transaction area, the acceptance terminal device conducts transaction with the digital money wallet. The embodiment of the invention can determine whether the transaction is safe or not under the condition that the user does not insert or approach the digital currency wallet to the acceptance terminal equipment, thereby simplifying the operation of the user and reducing the risk of stealing transaction information by lawbreakers.
Description
Technical Field
The invention relates to the technical field of digital currency, in particular to a transaction method of acceptance terminal equipment and a digital currency wallet and an acceptance terminal equipment device.
Background
An ATM (Automated Teller Machine) Machine uses a magnetic code card or a smart card to realize self-service of financial transactions. When a user uses the ATM to access cash, the user needs to first confirm an account certificate, such as a bank card, an NFC (Near Field Communication) card, a mobile phone, etc., and the user needs to insert or attach the account certificate to the ATM regardless of the certificate.
With the development of digital currency, ATMs that store digital currency purses and support digital currency transactions have appeared, and the current use of digital currency purses to transact with ATMs is the same as with existing bank cards. When a user carries a digital money wallet to conduct a transaction on an ATM, the digital money wallet needs to be taken out of the body and inserted into or brought close to the ATM, however, these operations are cumbersome and there is a risk of being utilized by lawless persons.
Disclosure of Invention
In view of the above problems, embodiments of the present invention have been made to provide a transaction method of an acceptance terminal device and a digital money wallet and a corresponding acceptance terminal device that overcome or at least partially solve the above problems.
In order to solve the above problems, an embodiment of the present invention discloses a transaction method between an acceptance terminal device and a digital money wallet, including:
the acceptance terminal equipment establishes communication with the digital currency wallet after determining that the user agrees to the transaction;
after establishing communication with the digital money wallet, the acceptance terminal device determines whether the digital money wallet is located in a secure transaction area;
and if the digital money wallet is positioned in the safe transaction area, the acceptance terminal device conducts transaction with the digital money wallet.
Optionally, the method further comprises:
and after the acceptance terminal equipment identifies the user identity, determining whether the user agrees to the transaction.
Optionally, the accepting terminal device transacts with the digital money wallet, comprising:
the acceptance terminal equipment judges whether the user legally owns the digital currency wallet of the current communication;
and if the user legally owns the currently communicated digital money wallet, the acceptance terminal device conducts transaction with the currently communicated digital money wallet.
Optionally, the accepting terminal device performs a transaction with the digital money wallet, further comprising:
the acceptance terminal equipment judges whether the digital currency wallet of the current communication is legal or not;
the acceptance terminal device judges whether the user legally owns the digital money wallet of the current communication, and the judgment comprises the following steps:
and if the acceptance terminal equipment determines that the digital money wallet of the current communication is legal, the acceptance terminal equipment judges whether the user has the digital money wallet of the current communication legally.
Optionally, the determining, by the accepting terminal device, whether the user has a digital money wallet of the current communication legally includes:
if the digital money wallet of the current communication belongs to the name wallet, the acceptance terminal device acquires the authentication information of the digital money wallet which can be legally used by the user;
the acceptance terminal equipment judges whether the authentication information is matched with the currently communicated digital money wallet;
and if the authentication information is matched with the currently communicated digital money wallet, the acceptance terminal equipment determines that the user legally owns the currently communicated digital money wallet.
Optionally, the accepting terminal device determining whether the user has a digital money wallet of the current communication legally, further includes:
and if the digital money wallet of the current communication belongs to an anonymous wallet, the acceptance terminal device determines that the user legally owns the digital money wallet of the current communication. Optionally, the acquiring, by the accepting terminal device, authentication information of the digital money wallet legally usable by the user includes:
and the acceptance terminal equipment acquires the authentication information of the digital currency wallet which can be legally used by the user from a bank system.
Optionally, if the digital money wallet comprises a plurality of digital money wallets; the acceptance terminal device transacts with the digital currency wallet, and the acceptance terminal device comprises:
the acceptance terminal equipment determines a target digital money wallet which is selected by a user and needs to be transacted from the plurality of digital money wallets;
the acceptance terminal device conducts a transaction with the target digital currency wallet.
Optionally, the method further comprises:
and in the process of the transaction between the acceptance terminal device and the digital money wallet, if the acceptance terminal device recognizes that the digital money wallet leaves the safe transaction area, the acceptance terminal device terminates the transaction with the digital money wallet.
Optionally, the digital currency wallet comprises a digital currency chip card.
Optionally, the accepting terminal device comprises an ATM machine.
The embodiment of the invention also discloses an acceptance terminal device, which comprises:
a communication module for establishing communication with the digital currency wallet after determining that the user agrees to the transaction;
an area determination module, configured to determine whether the digital money wallet is located in a secure transaction area after the acceptance terminal device establishes communication with the digital money wallet;
and the transaction execution module is used for performing transaction between the acceptance terminal device and the digital money wallet if the digital money wallet is positioned in the safe transaction area.
Optionally, the method further comprises:
and the transaction confirmation module is used for determining whether the user agrees to the transaction after the acceptance terminal equipment identifies the user identity.
Optionally, the transaction execution module comprises:
a legal user judgment submodule for judging whether the user has a digital money wallet of the current communication legally;
and the transaction execution submodule is used for carrying out transaction with the currently communicated digital currency wallet if the user legally owns the currently communicated digital currency wallet.
Optionally, the transaction execution module further includes:
a legal wallet judgment submodule for judging whether the digital money wallet currently in communication is legal;
and the transaction execution submodule is used for judging whether the user legally owns the digital money wallet communicated currently if the fact that the digital money wallet communicated currently is legal is determined.
Optionally, the valid user determining sub-module includes:
an authentication information acquisition unit configured to acquire, by the accepting terminal device, authentication information of a digital money wallet legitimately usable by the user, if the currently communicated digital money wallet belongs to a named wallet;
an authentication information matching unit for judging whether the authentication information matches with a currently communicated digital money wallet;
a first valid user determination unit, configured to determine, by the accepting terminal device, that the user legally owns the currently communicated digital money wallet if the authentication information matches the currently communicated digital money wallet.
Optionally, the valid user determining sub-module further includes:
a second legitimate user determining unit configured to determine that the user legitimately owns the currently communicating digital money wallet, if the currently communicating digital money wallet belongs to an anonymous wallet.
Optionally, the authentication information obtaining unit includes:
and the bank authentication information acquisition subunit is used for acquiring the authentication information of the digital currency wallet which can be legally used by the user from a bank system.
Optionally, if the digital money wallet comprises a plurality of digital money wallets; the transaction execution module includes:
a target wallet determining submodule for determining a target digital money wallet selected by the user for a transaction from the plurality of digital money wallets;
a target wallet transaction sub-module for conducting transactions with the target digital currency wallet.
Optionally, the method further comprises:
and the transaction termination module is used for terminating the transaction with the digital money wallet if the digital money wallet is identified to leave the secure transaction area in the transaction process of the acceptance terminal device and the digital money wallet.
Optionally, the digital currency wallet comprises a digital currency chip card.
Optionally, the accepting terminal device comprises an ATM machine.
The embodiment of the invention also discloses an electronic device, which comprises: a processor, a memory and a computer program stored on the memory and operable on the processor, the computer program when executed by the processor implementing the steps of the method of accepting a transaction between a terminal device and a digital money wallet as described above.
The embodiment of the invention also discloses a computer readable storage medium, wherein a computer program is stored on the computer readable storage medium, and the computer program realizes the steps of the transaction method of the acceptance terminal device and the digital currency wallet when being executed by the processor.
The embodiment of the invention has the following advantages:
in the embodiment of the present invention, the accepting terminal device may establish communication with the digital money wallet after determining that the user agrees to the transaction, and then determine whether the digital money wallet is located in the secure transaction area; the acceptance terminal equipment can determine whether the transaction is safe by judging whether the digital currency wallet is positioned in the safe transaction area; and if the digital money wallet is positioned in the safe transaction area, the transaction between the terminal equipment and the digital money wallet is accepted. The embodiment of the invention can determine whether the transaction is safe or not under the condition that the user does not insert or approach the digital currency wallet to the acceptance terminal equipment, and the user does not need to take out the digital currency wallet from the body and insert or approach the digital currency wallet to the acceptance terminal equipment, thereby simplifying the user operation and reducing the risk of stealing transaction information by lawbreakers.
Drawings
Fig. 1 is a flowchart illustrating steps of a method for accepting a transaction between a terminal device and a digital money wallet according to an embodiment of the present invention;
fig. 2 is a flowchart illustrating steps of another method for accepting a transaction between a terminal device and a digital money wallet according to an embodiment of the present invention;
fig. 3 is a block diagram of a receiving terminal device according to an embodiment of the present invention;
fig. 4 is a block diagram of an alternative embodiment of a receiving terminal device according to the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in further detail below.
When a user carries a digital currency wallet to conduct a transaction on an ATM, the user removes the digital currency wallet from the user and inserts the digital currency wallet into or proximate to the operation of the ATM, risking exploitation by a lawbreaker. The embodiment of the invention provides a transaction method of an acceptance terminal device and a digital money wallet, which can set a safe transaction area for the acceptance terminal device, and the acceptance terminal device can perform transaction with the digital money wallet under the condition that the digital money wallet is positioned in the safe transaction area. The user can also conduct transactions without inserting a digital currency wallet into or in close proximity to the receiving terminal device.
Referring to fig. 1, a flowchart illustrating steps of a method for accepting a transaction between a terminal device and a digital money wallet according to an embodiment of the present invention is shown, where the method specifically includes the following steps:
In the embodiment of the present invention, the acceptance terminal device may include various types of devices that can perform transactions with the digital money wallet, such as an ATM (automatic teller machine) and a Point of sale (POS) device.
In one embodiment, the user may input the transaction approval operation in the accepting terminal device, and the accepting terminal device may determine that the user approves the transaction according to the transaction approval operation. In one example, the acceptance terminal device may include a display screen, and the display screen may display an electronic interface on which the user may perform various operations, including entering an approval transaction operation. In another example, the accepting terminal device may include a plurality of physical keys, and the user may perform a plurality of operations including inputting an approval transaction operation by pressing the physical keys. In another example, the acceptance terminal device may perform voice interaction with the user, and may be configured to query whether the user agrees to perform the transaction during the voice interaction, collect the user voice, and recognize whether the user agrees to perform the transaction according to the user voice.
In another embodiment, the accepting terminal device may further communicate with other terminal devices, the user may send the transaction approval information to the accepting terminal device through the other terminal devices, and the accepting terminal device may determine that the user approves the transaction according to the transaction approval information.
The accepting terminal device may establish communication with the digital currency wallet after determining that the user agrees to the transaction. The digital money wallet may include a hard wallet, which may refer to a wallet for storing actual digital money, the digital money being a string of characters generated according to a certain encryption mechanism, and the string of characters may represent a certain amount of money for digital money issued by the chinese national bank. The hard wallet may include various types, such as a visual bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, a mobile phone-SIM card form, and the like. In one embodiment, the digital currency wallet may include digital currency chip cards, which may include the various forms of cards described above.
The acceptance terminal device and the digital money wallet can perform wireless communication through various wireless communication modes, wherein the wireless communication modes can comprise Bluetooth, WiFi, mobile network and the like. The communication method between the acceptance terminal device and the digital money wallet may be a technique that enables communication without the acceptance terminal device being in close proximity to the digital money wallet, so that the digital money wallet can communicate even when carried by the user.
The secure transaction area may be a pre-defined area, may be an area defined by physical means, such as by an electronic fence; or may be a region defined by coordinates. The acceptance terminal device may be provided with a secure transaction area identification module having a wireless communication function, and the module may identify whether or not a digital money wallet wirelessly communicating with the ATM is within the secure transaction area. In one example, the secure transaction area identification module may determine the coordinate location of the digital currency wallet via a positioning technique and then determine whether the coordinate location of the digital currency wallet is within the secure transaction area. The location technology used by the secure transaction area Identification module may include, but is not limited to, UWB (Ultra Wide Band), bluetooth, WiFi, ZigBee, RFID (Radio Frequency Identification), and the like.
For example, the secure transaction area identification module may detect location information of the digital money wallet through a location sensor or radar; it is then determined whether the location information of the digital currency wallet is within the secure transaction area.
If the digital currency wallet is located in the secure transaction area, the acceptance terminal device can perform transactions with the digital currency wallet. And if the digital money wallet is not positioned in the safe transaction area, the acceptance terminal device does not perform transaction with the digital money wallet.
In one example, the acceptance terminal may be located within a secure transaction area, the user may carry a digital currency wallet on his or her person and stand within the secure transaction area, and the user may determine at the acceptance terminal to approve the transaction; the acceptance terminal may then establish communication with the digital money wallet and conduct transactions with the digital money wallet located within the secure transaction area.
In the embodiment of the present invention, the accepting terminal device may establish communication with the digital money wallet after determining that the user agrees to the transaction, and then determine whether the digital money wallet is located in the secure transaction area; the acceptance terminal equipment can determine whether the transaction is safe by judging whether the digital currency wallet is positioned in the safe transaction area; and if the digital money wallet is positioned in the safe transaction area, the transaction between the terminal equipment and the digital money wallet is accepted. The embodiment of the invention can determine whether the transaction is safe or not under the condition that the user does not insert or approach the digital currency wallet to the acceptance terminal equipment, and the user does not need to take out the digital currency wallet from the body and insert or approach the digital currency wallet to the acceptance terminal equipment, thereby simplifying the user operation and reducing the risk of stealing transaction information by lawbreakers.
Referring to fig. 2, a flowchart illustrating steps of another transaction method for accepting a terminal device and a digital money wallet provided in an embodiment of the present invention is shown, where the method specifically includes the following steps:
The acceptance terminal equipment can identify the user identity. The identification mode may include: by biometric identification, by account identification, etc. In one embodiment, the accepting terminal device may have an identity recognition module to recognize the identity of the user. After the acceptance terminal equipment identifies the user identity, whether the user agrees to the transaction can be determined. The manner of determining whether the user agrees to the transaction may be referred to the above embodiments, and will not be described herein.
The production of the digital currency wallet may be via a central bank certified production qualified enterprise. The digital currency wallet may be issued by real name, and the process of issuing may include: the method comprises the steps of applying for personal application of a user, issuing in a real-name mode, authorizing a commercial bank to issue instead by a central bank, carrying out real-name verification on the user by the commercial bank, registering related data, issuing for the second time to a digital currency wallet of the central bank after verification is passed, and writing personal information of the user into the digital currency wallet.
In an embodiment of the present invention, before determining whether the user has the currently communicating digital money wallet legally, the acceptance terminal device may determine whether the currently communicating digital money wallet is legal; and if the accepting terminal equipment determines that the digital money wallet of the current communication is legal, the accepting terminal equipment judges whether the user has the digital money wallet of the current communication legally.
Specifically, the acceptance terminal device may obtain identification information of the digital money wallet of the current communication; and judging whether the digital money wallet is legal or not according to the identification information of the digital money wallet.
In an embodiment of the present invention, the step of determining, by the accepting terminal device, whether the user has a digital money wallet with current communication legally may further include the substeps of:
in the substep S11, if the currently communicated digital money wallet belongs to a named wallet, the accepting terminal device acquires authentication information of the digital money wallet legitimately usable by the user.
The authentication information of the digital money wallet legally usable by the user may include: identification information of a digital money wallet applied by the user to the commercial bank, key information of the user, and the like.
In one embodiment, the step of acquiring, by the accepting terminal device, the authentication information of the digital money wallet legitimately usable by the user may include: and the acceptance terminal equipment acquires the authentication information of the digital currency wallet which can be legally used by the user from a bank system.
In sub-step S12, the accepting terminal device determines whether the authentication information matches a currently communicated digital money wallet.
In sub-step S13, if the authentication information matches the currently communicating digital money wallet, the accepting terminal device determines that the user legitimately owns the currently communicating digital money wallet.
In sub-step S14, if the digital money wallet of the current communication belongs to an anonymous wallet, the accepting terminal device determines that the user legally owns the digital money wallet of the current communication.
The acceptance terminal equipment can judge whether the digital currency wallet is legal or not; if the digital money wallet is legal and is named, judging whether the identification information of the currently communicated digital money wallet is matched with the authentication information of the digital money wallet which can be legally used by the user; if there is a match, it may indicate that the currently communicating digital currency wallet is legitimately owned by the user. If not, it may indicate that the currently communicating digital currency wallet is not legitimately owned by the user. Therefore, the digital currency wallet can be guaranteed to be used only by legal users, and the digital currency wallet is prevented from being used by non-legal users. If the digital currency wallet is legitimate and anonymous, the default user legitimately owns the digital currency wallet.
The step of the acceptance terminal device conducting a transaction with the digital money wallet may further comprise:
in sub-step S21, the accepting terminal device determines a target digital money wallet selected by the user and requiring a transaction from the plurality of digital money wallets.
In one example, the accepting terminal device may receive an input digital money wallet selecting operation, and determine a target digital money wallet corresponding to the digital money wallet selecting operation.
And a substep S22, the accepting terminal device conducting a transaction with the target digital money wallet.
In the embodiment of the invention, in the process of the transaction between the acceptance terminal device and the digital money wallet, if the acceptance terminal device recognizes that the digital money wallet leaves the secure transaction area, the acceptance terminal device terminates the transaction with the digital money wallet, thereby ensuring the security of the transaction.
In the embodiment of the invention, the acceptance terminal equipment can determine whether the user agrees to the transaction after identifying the user identity; the acceptance terminal device may establish communication with the digital money wallet after determining that the user agrees to the transaction, and then determine whether the digital money wallet is located within the secure transaction area; the acceptance terminal equipment can determine whether the transaction is safe by judging whether the digital currency wallet is positioned in the safe transaction area; and if the user legally owns the currently communicated digital money wallet, the acceptance terminal device conducts transaction with the currently communicated digital money wallet. The embodiment of the invention can determine whether the transaction is safe or not under the condition that the user does not insert or approach the digital currency wallet to the acceptance terminal equipment, and the user does not need to take out the digital currency wallet from the body and insert or approach the digital currency wallet to the acceptance terminal equipment, thereby simplifying the user operation and reducing the risk of stealing transaction information by lawbreakers.
It should be noted that, for simplicity of description, the method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the illustrated order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments of the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the invention.
Referring to fig. 3, a block diagram of a receiving terminal device according to an embodiment of the present invention is shown, which may specifically include the following modules:
a communication module 301 for establishing communication with a digital money wallet upon determining that the user agrees to the transaction;
an area determination module 302, configured to determine whether the digital money wallet is located in a secure transaction area after the acceptance terminal device establishes communication with the digital money wallet;
a transaction executing module 303, configured to, if the digital money wallet is located in the secure transaction area, perform a transaction with the digital money wallet by the accepting terminal device.
Fig. 4 is a block diagram of an alternative embodiment of a receiving terminal device according to the present invention. Wherein, accept the terminal equipment and can also include:
the transaction confirmation module 304 is configured to determine whether the user agrees to the transaction after the accepting terminal device identifies the user identity.
In an optional embodiment of the present invention, the transaction execution module 303 may include:
a legal user judgment sub-module 3031, configured to judge whether the user legally owns the currently communicated digital money wallet;
a transaction execution submodule 3032, configured to perform a transaction with a currently communicating digital money wallet if the user legally owns the currently communicating digital money wallet.
In an optional embodiment of the present invention, the transaction execution module 303 may further include:
a legal wallet judgment sub-module 3033, configured to judge whether the currently communicated digital money wallet is legal;
the transaction execution submodule 3032 is configured to determine whether the user legally owns the currently communicated digital money wallet if it is determined that the currently communicated digital money wallet is legal.
In an optional embodiment of the present invention, the legal user determination submodule 3031 may include:
an authentication information acquisition unit 30311, configured to, if the currently communicated digital money wallet belongs to a named wallet, acquire, by the accepting terminal device, authentication information of a digital money wallet legitimately usable by the user.
In an optional embodiment of the present invention, the authentication information obtaining unit 30311 may further include: and the bank authentication information acquisition subunit is used for acquiring the authentication information of the digital currency wallet which can be legally used by the user from a bank system.
An authentication information matching unit 30312 for determining whether the authentication information matches a currently communicated digital money wallet.
A first valid user determination unit 30313, configured to determine that the user has a valid digital money wallet of the current communication if the authentication information matches the digital money wallet of the current communication.
A second valid user determination unit 30314, configured to determine that the user legitimately owns the currently communicating digital money wallet if the currently communicating digital money wallet belongs to an anonymous wallet.
In an optional embodiment of the present invention, the transaction execution module 303 may include:
in an alternative embodiment of the invention, if the digital money wallet is made up of a plurality; the transaction execution module 303 may include:
a target wallet determining submodule for determining a target digital money wallet selected by the user for a transaction from the plurality of digital money wallets;
a target wallet transaction sub-module for conducting transactions with the target digital currency wallet.
In an optional embodiment of the present invention, the accepting terminal device may further include:
a transaction termination module 305, configured to, in a process of performing a transaction with the digital money wallet by the accepting terminal device, terminate the transaction with the digital money wallet if it is recognized that the digital money wallet leaves the secure transaction area.
In an alternative embodiment of the invention, the digital money wallet comprises a digital money chip card.
In an alternative embodiment of the invention, the accepting terminal device comprises an ATM machine.
In the embodiment of the present invention, the accepting terminal device may establish communication with the digital money wallet after determining that the user agrees to the transaction, and then determine whether the digital money wallet is located in the secure transaction area; the acceptance terminal equipment can determine whether the transaction is safe by judging whether the digital currency wallet is positioned in the safe transaction area; and if the digital money wallet is positioned in the safe transaction area, the transaction between the terminal equipment and the digital money wallet is accepted. The embodiment of the invention can determine whether the transaction is safe or not under the condition that the user does not insert or approach the digital currency wallet to the acceptance terminal equipment, and the user does not need to take out the digital currency wallet from the body and insert or approach the digital currency wallet to the acceptance terminal equipment, thereby simplifying the user operation and reducing the risk of stealing transaction information by lawbreakers.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
An embodiment of the present invention further provides an electronic device, including:
the transaction processing system comprises a processor, a memory and a computer program which is stored on the memory and can run on the processor, wherein when the computer program is executed by the processor, each process of the transaction processing method embodiment of the acceptance terminal device and the digital currency wallet is realized, the same technical effect can be achieved, and the process is not repeated here to avoid repetition.
The embodiment of the invention also provides a computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when being executed by a processor, the computer program realizes each process of the transaction method embodiment of the acceptance terminal device and the digital money wallet, and can achieve the same technical effect, and is not repeated here to avoid repetition.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the invention.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The transaction method of the acceptance terminal device and the digital currency wallet and the acceptance terminal device provided by the invention are described in detail, a specific example is applied in the text to explain the principle and the implementation mode of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (14)
1. A transaction method for accepting a terminal device and a digital currency wallet is characterized by comprising the following steps:
the acceptance terminal equipment establishes communication with the digital currency wallet after determining that the user agrees to the transaction;
after establishing communication with the digital money wallet, the acceptance terminal device determines whether the digital money wallet is located in a secure transaction area;
and if the digital money wallet is positioned in the safe transaction area, the acceptance terminal device conducts transaction with the digital money wallet.
2. The method of claim 1, further comprising:
and after the acceptance terminal equipment identifies the user identity, determining whether the user agrees to the transaction.
3. The method of claim 2, wherein the accepting terminal device transacts with the digital currency wallet, comprising:
the acceptance terminal equipment judges whether the user legally owns the digital currency wallet of the current communication;
and if the user legally owns the currently communicated digital money wallet, the acceptance terminal device conducts transaction with the currently communicated digital money wallet.
4. The method of claim 3, wherein the accepting terminal device conducts transactions with the digital currency wallet, further comprising:
the acceptance terminal equipment judges whether the digital currency wallet of the current communication is legal or not;
the acceptance terminal device judges whether the user legally owns the digital money wallet of the current communication, and the judgment comprises the following steps:
and if the acceptance terminal equipment determines that the digital money wallet of the current communication is legal, the acceptance terminal equipment judges whether the user has the digital money wallet of the current communication legally.
5. The method of claim 3, wherein said accepting terminal device determining whether said user has a legitimate digital currency wallet for current communications comprises:
if the digital money wallet of the current communication belongs to the name wallet, the acceptance terminal device acquires the authentication information of the digital money wallet which can be legally used by the user;
the acceptance terminal equipment judges whether the authentication information is matched with the currently communicated digital money wallet;
and if the authentication information is matched with the currently communicated digital money wallet, the acceptance terminal equipment determines that the user legally owns the currently communicated digital money wallet.
6. The method of claim 5, wherein the accepting terminal device determines whether the user is in legitimate possession of the currently communicating digital currency wallet, further comprising:
and if the digital money wallet of the current communication belongs to an anonymous wallet, the acceptance terminal device determines that the user legally owns the digital money wallet of the current communication.
7. The method of claim 5, wherein the acquiring, by the accepting terminal device, authentication information of a digital money wallet legitimately usable by the user comprises:
and the acceptance terminal equipment acquires the authentication information of the digital currency wallet which can be legally used by the user from a bank system.
8. The method of claim 1, wherein if the digital currency wallet comprises a plurality of digital currency wallets; the acceptance terminal device transacts with the digital currency wallet, and the acceptance terminal device comprises:
the acceptance terminal equipment determines a target digital money wallet which is selected by a user and needs to be transacted from the plurality of digital money wallets;
the acceptance terminal device conducts a transaction with the target digital currency wallet.
9. The method of claim 1, further comprising:
and in the process of the transaction between the acceptance terminal device and the digital money wallet, if the acceptance terminal device recognizes that the digital money wallet leaves the safe transaction area, the acceptance terminal device terminates the transaction with the digital money wallet.
10. The method of claim 1, wherein the digital currency wallet comprises a digital currency chip card.
11. The method of claim 1, wherein the accepting terminal device comprises an ATM machine.
12. A reception terminal device, comprising:
a communication module for establishing communication with the digital currency wallet after determining that the user agrees to the transaction;
an area determination module, configured to determine whether the digital money wallet is located in a secure transaction area after the acceptance terminal device establishes communication with the digital money wallet;
and the transaction execution module is used for performing transaction between the acceptance terminal device and the digital money wallet if the digital money wallet is positioned in the safe transaction area.
13. An electronic device, comprising: a processor, a memory and a computer program stored on the memory and operable on the processor, the computer program when executed by the processor implementing the steps of the method of accepting a transaction of a terminal device with a digital money wallet as claimed in any one of claims 1 to 11.
14. A computer-readable storage medium, on which a computer program is stored, which, when executed by a processor, carries out the steps of the method of accepting a transaction of a terminal device with a digital money wallet as claimed in any one of claims 1 to 11.
Priority Applications (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110322614.1A CN113450090A (en) | 2021-03-25 | 2021-03-25 | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device |
| CN202111582869.8A CN115131009A (en) | 2021-03-25 | 2021-12-22 | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN202110322614.1A CN113450090A (en) | 2021-03-25 | 2021-03-25 | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device |
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| Publication Number | Publication Date |
|---|---|
| CN113450090A true CN113450090A (en) | 2021-09-28 |
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|---|---|---|---|
| CN202110322614.1A Pending CN113450090A (en) | 2021-03-25 | 2021-03-25 | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device |
| CN202111582869.8A Pending CN115131009A (en) | 2021-03-25 | 2021-12-22 | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device |
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| Application Number | Title | Priority Date | Filing Date |
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| CN202111582869.8A Pending CN115131009A (en) | 2021-03-25 | 2021-12-22 | Transaction method of acceptance terminal device and digital currency wallet and acceptance terminal device |
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Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114466306A (en) * | 2021-12-31 | 2022-05-10 | 中国人民银行数字货币研究所 | Payment method and device |
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2021
- 2021-03-25 CN CN202110322614.1A patent/CN113450090A/en active Pending
- 2021-12-22 CN CN202111582869.8A patent/CN115131009A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN114466306A (en) * | 2021-12-31 | 2022-05-10 | 中国人民银行数字货币研究所 | Payment method and device |
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| CN115131009A (en) | 2022-09-30 |
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Application publication date: 20210928 |