CN115907754A

CN115907754A - Transaction method, device, system, equipment and storage medium

Info

Publication number: CN115907754A
Application number: CN202211715625.7A
Authority: CN
Inventors: 穆长春; 狄刚; 郭建昌; 赵新宇; 张鹏程
Original assignee: Digital Currency Institute of the Peoples Bank of China
Current assignee: Digital Currency Institute of the Peoples Bank of China
Priority date: 2022-12-29
Filing date: 2022-12-29
Publication date: 2023-04-04

Abstract

The application relates to a transaction method, a device, a system, equipment and a storage medium, relates to the technical field of payment transaction, and at least solves the technical problem that a hardware wallet is low in transaction reliability in an offline state. The transaction method is applied to a first money collection hardware wallet and comprises the following steps: receiving payment information corresponding to the target transaction from a payment device; when the current communication condition between the wallet management server and the wallet management server meets a preset condition, sending a collection voucher corresponding to the target transaction to the relay equipment, so that the relay equipment sends a transaction update indication message carrying the collection voucher to the wallet management server; the transaction updating indication message is used for indicating the wallet management server to synchronously update the target transaction with the first money collection hardware wallet according to the money collection voucher; the relay device includes a second payment hardware wallet and a payment device.

Description

Transaction method, device, system, equipment and storage medium

Technical Field

The present application relates to the field of payment transaction technologies, and in particular, to a transaction method, an apparatus, a system, a device, and a storage medium.

Background

With the development of digital currency technology, hardware wallets for supporting digital currency transactions have emerged. The hardware wallet can generally establish a remote communication connection with the digital currency management platform so as to update transaction information such as collection information and payment information, thereby ensuring the security and reliability of the transaction.

In addition, in order to ensure the convenience of the user in the using process, the hardware wallet can support off-line transaction when being in an off-line state with the digital currency management platform due to communication faults and the like. In the off-line transaction process, the hardware wallet as the payee usually needs to store the collection information such as collection voucher and transaction record in advance, so as to complete collection after the communication connection with the digital currency management platform is restored.

However, if the hardware wallet of the payee is in an offline state and the receiving information is lost due to equipment failure, the payee may be lost, which affects the use and popularization of the digital money. Therefore, how to ensure the transaction reliability of the hardware wallet in the offline state becomes a problem to be urgently solved.

Disclosure of Invention

The application provides a transaction method, a device, a system, equipment and a storage medium, which are used for at least solving the technical problem of low transaction reliability of a hardware wallet in an offline state. The technical scheme of the application is as follows:

according to a first aspect of embodiments of the present application, there is provided a transaction method applied to a first hardware wallet for receiving money; the transaction method comprises the following steps: receiving payment information corresponding to the target transaction from the payment device; when the current communication condition between the wallet management server and the wallet management server meets a preset condition, sending a collection voucher corresponding to the target transaction to the relay equipment, so that the relay equipment sends a transaction update indication message carrying the collection voucher to the wallet management server; the transaction update indication message is used for indicating the wallet management server to synchronously update the target transaction with the first payment hardware wallet according to the payment voucher; the relay device includes a second checkout hardware wallet and a payment device.

In one implementation, when the relay device is a payment device, sending a receipt credential corresponding to the target transaction to the relay device, so that the relay device sends a transaction update indication message carrying the receipt credential to the wallet management server, the method includes: and sending a transaction update request message carrying the collection voucher to the payment device, so that the payment device displays a page for confirming whether to respond to the transaction update request message to the user, and the payment device sends a transaction update indication message to the wallet management server after recognizing a request confirmation operation executed by the user.

In one implementation, a key corresponding to the first cash-receiving hardware wallet is stored in the first cash-receiving hardware wallet; after receiving the payment information corresponding to the target transaction from the payment device, the method further comprises the following steps: verifying the validity of the payment information and generating a collection voucher when the verification is passed; and encrypting the collection voucher based on the key, and storing the encrypted collection voucher.

In one implementation, the current communication status includes a communication connection status between the first payment hardware wallet and the wallet management server, and a duration of the communication connection status; the communication connection state is communication connection interruption or normal; the preset conditions comprise that the communication connection between the wallet management server and the wallet management server is interrupted, and the duration of the interrupted communication connection is greater than or equal to a preset duration threshold; before sending the collection voucher corresponding to the target transaction to the relay device, the method further comprises the following steps: when the communication connection with the wallet management server is interrupted, determining the duration of the interrupted communication connection, and determining the relationship between the duration of the interrupted communication connection and a preset duration threshold.

In one implementation manner, the method further includes: and determining the communication connection state with the wallet management server according to a preset period.

In one implementation, the first payment hardware wallet is configured with a short-range communication module for supporting a preset communication mode; sending a receipt credential associated with the payment information to the relay device, comprising: sending a transaction request message to the relay equipment based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

According to a second aspect of embodiments of the present application, there is provided a transaction method applied to a second payment hardware wallet; the transaction method comprises the following steps: receiving a transaction update request message from a first checkout hardware wallet; the transaction update request message includes a receipt credential corresponding to the target transaction; and sending a transaction update indication message carrying the collection voucher to the wallet management server so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

In one implementation, after receiving the transaction update request message from the first payment hardware wallet, the method further includes: a receipt credential corresponding to the target transaction is stored.

In one implementation, the second cash register hardware wallet is configured with a short-range communication module for supporting a preset communication mode; receiving a transaction update request message from a first checkout hardware wallet, comprising: receiving a transaction updating request message based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

According to a third aspect of embodiments of the present application, there is provided a transaction method, characterized by being applied to a payment apparatus; the transaction method comprises the following steps: receiving a transaction update request message from a first checkout hardware wallet; the transaction update request message includes a receipt credential corresponding to the target transaction; and in response to the request confirmation operation executed by the user, sending a transaction update indication message carrying the collection voucher to the wallet management server so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

In one implementation, after receiving the transaction update request message from the first payment hardware wallet, 5 further includes: and displaying a page for confirming whether to respond to the transaction update request message in response to the transaction update request message.

In one implementation manner, before sending the transaction update indication message carrying the collection credential to the wallet management server, the method further includes: a receipt credential corresponding to the target transaction is stored.

In one possible implementation, the payment device is provided with a short-range communication module for supporting a preset communication mode;

receiving a transaction update request message from a first checkout hardware wallet, comprising: receiving a transaction update 0 update request message based on a preset communication mode; the preset communication mode comprises a Bluetooth communication mode, a wireless network communication mode, a near field communication mode and an ultra wide communication mode

A band communication system and/or a wired communication system.

According to a fourth aspect of the embodiments of the present application, there is provided a transaction apparatus, which is applied to a first cash collecting hardware wallet; the transaction apparatus includes: a receiving unit and a transmitting unit; a receiving unit for receiving the data from the payment device

Payment information corresponding to the target transaction; a transmitting unit for transmitting a receipt corresponding to the target transaction to the relay device when a current communication status with the wallet management server meets 5 preset conditions, so that the relay device transmits a receipt to the wallet management server

The server sends a transaction updating indication message carrying the collection voucher; the transaction update indication message is used for indicating the wallet management server to synchronously update the target transaction with the first payment hardware wallet according to the payment voucher; the relay device includes a second payment hardware wallet and a payment device.

In an implementation manner, the sending unit is specifically configured to: sending a 0 transaction update request message carrying a receipt voucher to the payment device so that the payment device presents a page for confirming whether to respond to the transaction update request message to the user

And causing the payment apparatus to transmit a transaction update indication message to the wallet management server after recognizing the request confirmation operation performed by the user.

In one implementation, the first collection hardware wallet stores a secret corresponding to the first collection hardware wallet

A key; further comprising: an authentication unit and an encryption unit; the verification unit is used for verifying the validity of the payment information and generating a collection voucher when the verification is passed 5; an encryption unit for encrypting the receipt certificate based on the key and storing the encrypted receipt

A credential.

In one implementation, the current communication status includes a communication connection status between the first payment hardware wallet and the wallet management server, and a duration of the communication connection status; the communication connection state is communication connection interruption or communication

The connection is normal; the preset conditions comprise that the communication connection with the wallet management server is interrupted, and the duration 0 of the interrupted communication connection is greater than or equal to a preset duration threshold; further comprising: a determination unit; and the determining unit is used for determining the duration of the communication connection interruption when the communication connection with the wallet management server is interrupted, and determining the relationship between the duration of the communication connection interruption and a preset duration threshold value.

In one implementation manner, the determining unit is further configured to determine the communication connection state with the wallet management server according to a preset period.

In one implementation, the first payment hardware wallet is configured with a short-range communication module for supporting a preset communication mode; a sending unit, specifically configured to: sending a transaction request message to the relay equipment based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

According to a fifth aspect of embodiments of the present application, there is provided a transaction apparatus, characterized by being applied to a second payment hardware wallet; the transaction device comprises: a receiving unit and a transmitting unit; a receiving unit for receiving a transaction update request message from a first payment hardware wallet; the transaction update request message includes a receipt credential corresponding to the target transaction; and the sending unit is used for sending a transaction update indication message carrying the collection certificate to the wallet management server so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection certificate.

In one implementation manner, the method further includes: and the storage unit is used for storing the collection voucher corresponding to the target transaction.

In one implementation, the second cash register hardware wallet is configured with a short-range communication module for supporting a preset communication mode; a sending unit, specifically configured to: receiving a transaction updating request message based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

According to a sixth aspect of an embodiment of the present application, there is provided a transaction apparatus, characterized by being applied to a payment device; the transaction apparatus includes: a receiving unit and a transmitting unit; a receiving unit for receiving a transaction update request message from a first payment hardware wallet; the transaction update request message includes a receipt credential corresponding to the target transaction; and the sending unit is used for responding to the request confirmation operation executed by the user and sending a transaction update indication message carrying the collection voucher to the wallet management server so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

In one implementation manner, the method further includes: a display unit; and the display unit is used for responding to the transaction updating request message and displaying a page for confirming whether to respond to the transaction updating request message.

In one implementation manner, the method further includes: a storage unit; and the storage unit is used for storing the collection voucher corresponding to the target transaction.

In one possible implementation, the payment device is provided with a short-range communication module for supporting a preset communication mode; a receiving unit, specifically configured to: receiving a transaction updating request message based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

According to a seventh aspect of the embodiments of the present application, there is provided a transaction system, including: a first collection hardware wallet, a second collection hardware wallet, and a payment device; a first payment hardware wallet for performing a transaction method as in any one of the first aspects; a second checkout hardware wallet for performing the transaction method of any of the second aspects; payment apparatus for carrying out a transaction method as in any one of the third aspects.

According to an eighth aspect of embodiments herein, there is provided a first checkout hardware wallet comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the transaction method as in any one of the first aspect.

According to a ninth aspect of embodiments herein, there is provided a second checkout hardware wallet comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the transaction method as in any one of the second aspect.

According to a tenth aspect of embodiments of the present application, there is provided a payment apparatus comprising: a processor; a memory for storing processor-executable instructions; wherein the processor is configured to execute the instructions to implement the transaction method as in any one of the third aspects.

According to an eleventh aspect of embodiments herein there is provided a computer readable storage medium having instructions stored thereon which, when executed by a processor of a first payment hardware wallet, enable the first payment hardware wallet to perform a transaction method as in any one of the first aspects; alternatively, the instructions in the computer readable storage medium, when executed by the processor of the second payment hardware wallet, enable the second payment hardware wallet to perform the transaction method as in any one of the second aspects; alternatively, the instructions in the computer readable storage medium, when executed by the processor of the payment device, enable the payment device to perform the transaction method as in any one of the third aspects.

According to a twelfth aspect of embodiments of the present application, there is provided a computer program product comprising a computer program which, when executed by a hardware wallet, implements the transaction method of the first aspect; alternatively, the computer program when executed by the near-end device implements the transaction method of the first aspect.

The technical scheme of the first aspect provided by the embodiment of the application at least brings the following beneficial effects: the application provides a transaction method which can be applied to a first money collection hardware wallet. The first money receiving hardware wallet may send a money receiving voucher corresponding to the target transaction to the relay device after receiving payment information corresponding to the target transaction from the payment device and when a current communication status between the first money receiving hardware wallet and the wallet management server meets a preset condition, so that the relay device sends a transaction update indication message carrying the money receiving voucher to the wallet management server. Wherein the relay device comprises a second payment hardware wallet and a payment device. Based on this, the wallet management server may update the target transaction in synchronization with the first payment hardware wallet based on the payment credentials.

As can be seen from the above, under the condition of a remote communication capability failure and the like, the first money collection hardware wallet provided in the embodiment of the present application may implement interaction with the wallet management server through the relay device when the current communication status between the first money collection hardware wallet and the wallet management server meets a preset condition, thereby implementing synchronous update of a target transaction, avoiding a possible loss caused by a missing of money collection information in an offline state of the first money collection hardware wallet, and facilitating digital currency use and popularization. Therefore, the method and the device can solve the technical problem that the transaction reliability of the hardware wallet is low in an offline state.

It should be noted that, for technical effects brought by any implementation manner in the second aspect to the eleventh aspect, reference may be made to technical effects brought by a corresponding implementation manner in the first aspect, and details are not described here.

It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of the application.

Drawings

The accompanying drawings, which are incorporated in and constitute a part of this specification, illustrate embodiments consistent with the present application and, together with the description, serve to explain the principles of the application and are not to be construed as limiting the application.

Fig. 1 is a schematic diagram of an implementation architecture shown in an embodiment of the present application;

FIG. 2 is a flow chart illustrating a transaction method according to an embodiment of the present application;

FIG. 3 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 4 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 5 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 6 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 7 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 8 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 9 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 10 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 11 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 12 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 13 is a flow chart of another transaction method shown in an embodiment of the present application;

FIG. 14 is a schematic diagram of another transaction flow illustrated in an embodiment of the present application;

FIG. 15 is a block diagram of a transaction device shown in an embodiment of the present application;

FIG. 16 is a block diagram of another transaction device shown in an embodiment of the present application;

FIG. 17 is a block diagram of another transaction device shown in an embodiment of the present application;

fig. 18 is a block diagram of an electronic device according to an embodiment of the present application.

Detailed Description

In order to make the technical solutions of the present application better understood by those of ordinary skill in the art, the technical solutions in the embodiments of the present application will be clearly and completely described below with reference to the accompanying drawings.

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

Before describing the transaction method provided by the present application in detail, application scenarios and implementation environments related to the present application are briefly described.

In addition, in order to ensure the convenience of the user in the using process, the hardware wallet can support off-line transaction when being in an off-line state with the digital currency management platform due to communication faults and the like. In the off-line transaction process, the hardware wallet as the payee usually needs to store the receipt information such as the receipt voucher and the transaction record in advance, so as to complete the receipt after the communication connection with the digital currency management platform is restored.

However, if the hardware wallet of the payee is in an offline state and the like, the loss of the payee information is caused by equipment failure and the like, the loss of the payee may be caused, and the use and popularization of the digital money are affected. Therefore, how to ensure the transaction reliability of the hardware wallet in the offline state becomes a problem to be urgently solved.

In view of the above problems, the present application provides a transaction method, where after receiving payment information corresponding to a target transaction from a payment device, a first collection hardware wallet may send a collection credential corresponding to the target transaction to a relay device when a current communication status between the first collection hardware wallet and a wallet management server meets a preset condition, so that the relay device sends a transaction update indication message carrying the collection credential to the wallet management server. Wherein the relay device comprises a second payment hardware wallet and a payment device. Based on this, the wallet management server may update the target transaction in synchronization with the first payment hardware wallet based on the payment credentials.

As can be seen from the above, under the conditions of a remote communication capability failure and the like, the first money collection hardware wallet provided in the embodiment of the present application can implement interaction with the wallet management server through the relay device when the current communication status between the first money collection hardware wallet and the wallet management server meets a preset condition, thereby implementing synchronous update of a target transaction, avoiding possible loss caused by missing money collection information in an offline state of the first money collection hardware wallet, and facilitating use and popularization of digital money. Therefore, the method and the device can solve the technical problem that the transaction reliability of the hardware wallet is low in an offline state.

Fig. 1 is an architecture diagram of an embodiment of the present application. As shown in fig. 1, a transaction system 100 provided in this embodiment of the present application may include a first hardware wallet 101, a second hardware wallet 102, a payment device 103, and a wallet management server 104.

In one implementation, the first hardware wallet 101, the second hardware wallet 102, and the payment device 103 of fig. 1 may each be configured with a remote communication module. Based on this, the first hardware wallet 101 may be based on a communication connection between the remote communication module and the wallet management server 104. The second checkout hardware wallet 102 may be based on a communication connection between the remote communication module and the wallet management server 104. The payment device 103 may be based on a communication connection between the remote communication module and the wallet management server 104.

In one implementation, the first hardware wallet 101, the second hardware wallet 102, and the payment device 103 in fig. 1 may be configured with a short-range communication module. Based on this, the first payment hardware wallet 101 may be in communication connection with the second payment hardware wallet 102 based on the short-range communication module, and may also be in communication connection with the payment device 103 based on the short-range communication module, so as to implement secure payment interaction within the trusted controllable communication distance range.

In one possible mode, the short-range Communication module may be a Communication module supporting a bluetooth Communication mode, a Communication module supporting a wireless network Communication technology (Wi-Fi) mode, a Communication module supporting a Near Field Communication (NFC) mode, a Communication module supporting an Ultra Wide Band (UWB) Communication mode, or a Communication module supporting a wired Communication mode. The embodiments of the present application do not limit this.

In one implementation, the first payment hardware wallet 101 may have a client installed thereon corresponding to the short-range communication module. The client may also be an Application (APP). Based on this, when a connection between the first hardware wallet 101 and the second hardware wallet 102 needs to be established, or a connection between the first hardware wallet 101 and the payment device 103 needs to be established, the user may perform relevant parameter configuration operations in the client or APP on the first hardware wallet 101. For example, when the short-range communication module is a communication module supporting a bluetooth communication method, the user may perform a parameter configuration operation for setting a bluetooth pairing key in the client or APP on the first payment hardware wallet 101.

In an alternative manner, the physical forms of the first hardware wallet 101, the second hardware wallet 102 and the payment device 103 may be a mobile terminal, a card, or various forms such as a wearable device, for example, a visible card wallet, a watch, a bracelet, and the like. These physical forms of the device may be configured with a transaction module and a storage module. The transaction module can support payment transaction of digital currency (such as digital RMB) in an off-line state, complete verification of transaction validity, authenticity and the like, signature encryption of transaction credentials (such as collection credentials) and the like. The storage module can be used for storing and managing the transaction certificate after signature encryption and synchronizing the transaction certificate with adjacent equipment, a wallet management server and the like according to preset conditions. The storage module can also be used for storing encrypted transaction certificates sent by other nearby devices.

The offline state refers to a state in which the payment receiving device (e.g., a payment receiving hardware wallet) or the payment device does not establish a communication connection with the wallet management background server 104.

In an implementation manner, the physical form of the first and second hardware wallet 101 and 102 in fig. 1 may also be a Road Side Unit (RSU) device in an Electronic Toll Collection (ETC) system. The payment apparatus 103 in fig. 1 may be installed with a client of the ETC system. The client may also be an APP. In the highway or bridge automatic toll collection scenario, the first hardware wallet 101 as the RSU device can perform digital money transaction with the payment device 103 installed with the ETC client.

Optionally, the payment device 103 may also be in the form of a mobile terminal (e.g., a mobile phone, a tablet computer, etc.), or may also be in the form of a smart car terminal.

In one implementation, the wallet management server 104 in fig. 1 may store a correspondence between a plurality of hardware wallets and a plurality of keys. For example, the wallet management server 104 may store a key corresponding to the first cash receiving hardware wallet 101. Based on this, the wallet managing server 104 may decrypt and verify the received receipt, and complete the synchronous update of the transaction information after determining the validity thereof.

For ease of understanding, the transaction methods provided herein are described in detail below with reference to the figures.

Fig. 2 is a flow diagram illustrating a transaction method applied to the first payment hardware wallet 101 of fig. 1, according to an example embodiment. As shown in fig. 2, the transaction method includes: S201-S202.

S201, the first collection hardware wallet receives payment information corresponding to the target transaction from the payment device.

In one possible implementation, the user may perform a payment confirmation operation on the payment device upon confirming payment for the target transaction. In this case, the payment device may transmit payment information to the first payment hardware wallet in response to a payment confirmation operation performed by the user.

In one implementation, the first cash registering hardware wallet may also be an RSU device in an ETC system. Accordingly, the payment device may also be a hardware wallet installed in a user's riding vehicle and configured with an ETC client. When the user drives the vehicle proximate to the payment device, the first payment hardware wallet may send a request message to the payment device regarding the target transaction. Accordingly, the payment device may receive the request message from the first payment hardware wallet and transmit payment information corresponding to the target transaction to the first payment hardware wallet in response to the request message, so that the user driving the vehicle may smoothly pass through the road section provided with the first payment hardware wallet.

In one example, the first checkout hardware wallet may also be a POS terminal. When initiating a target transaction, a merchant may perform a trigger operation on a transaction initiation control (e.g., a payment control) on a target transaction initiation page (e.g., a payment page) of a POS terminal, and input payment information (e.g., a payment amount, a payment method, etc.) corresponding to the target transaction. The POS terminal may then send a transaction request to the payment device in response to a triggering operation performed by the merchant. Accordingly, the payment device may receive a transaction request from the POS terminal and send payment information corresponding to the target transaction to the POS terminal in response to the request.

In a possible manner, the target transaction may be a transaction initiated by the first hardware wallet online with the payment device in an offline transaction scenario (e.g., a small retail scenario, etc.), may also be a transaction initiated by the first hardware wallet online with the payment device in an online cash register, and may also be another type of transaction, which is not limited in this embodiment of the present application. The payment information corresponding to the target transaction may include information such as a payment amount and payment account information.

S202, when the current communication condition between the first money collection hardware wallet and the wallet management server meets a preset condition, sending a money collection certificate corresponding to the target transaction to the relay device, so that the relay device sends a transaction update indication message carrying the money collection certificate to the wallet management server.

The transaction update indication message is used for indicating the wallet management server to synchronously update the target transaction with the first payment hardware wallet according to the payment voucher. The relay device includes a second payment hardware wallet and a payment device.

In one possible approach, the receipt credentials may include information such as the number of digital currency transactions and the time of the transactions corresponding to the target transaction.

In one implementation, the first collection hardware wallet may verify the validity of the payment information after receiving the payment information corresponding to the target transaction, and update the target transaction (e.g., update the amount of digital currency stored) when the verification passes, and generate a collection credential.

In one implementation, the first cash-receiving hardware wallet may be configured with a remote communication module to facilitate updating of occurring transaction information in real-time with the wallet management server, thereby ensuring timeliness and reliability of the transaction.

In one possible approach, the current communication conditions between the first payment hardware wallet and the wallet management server may include a communication connection status between the first payment hardware wallet and the wallet management server, and a duration of the communication connection status. The communication connection state is that the communication connection is interrupted or the communication connection is normal.

In one possible approach, the preset condition may include that the communication connection with the wallet management server is interrupted, and the duration of the interrupted communication connection is greater than or equal to a preset duration threshold. The preset duration threshold may be preset by the staff in the first cash register hardware wallet. For example, 10 minutes or 30 minutes, etc.

In one implementation, if the first hardware wallet for collecting money is damaged due to a fault of a communication line or a damage of a remote communication module, the communication connection with the wallet management server is interrupted. When the current communication condition meets the preset condition, in order to ensure the reliability of the transaction, the first collection hardware wallet may send a collection credential corresponding to the target transaction to the payment device, so that the payment device sends a transaction update indication message carrying the collection credential to the wallet management server. Accordingly, the wallet managing server may receive the transaction update indication message from the payment device and parse the transaction update indication message to determine the receipt credential corresponding to the target transaction. Subsequently, the wallet management server can perform validity verification on the collection certificate and update the target transaction synchronously with the first collection hardware wallet after the verification is passed.

In one implementation, if the first hardware wallet for collecting money is damaged due to a fault of a communication line or a damage of a remote communication module, the communication connection with the wallet management server is interrupted. When the current communication condition meets the preset condition, in order to ensure the reliability of the transaction, the first collection hardware wallet may further send a collection credential corresponding to the target transaction to the second collection hardware wallet when establishing a communication connection with the second collection hardware wallet, so that the second collection hardware wallet sends a transaction update indication message carrying the collection credential to the wallet management server. Accordingly, the wallet management server may receive a transaction update indication message from the second payment hardware wallet and parse the transaction update indication message to determine payment credentials corresponding to the target transaction. Subsequently, the wallet management server can perform validity verification on the collection certificate and update the target transaction synchronously with the first collection hardware wallet after the verification is passed.

In an embodiment, when the relay device is a payment device, with reference to fig. 2, in the above S202, that is, when the first hardware wallet sends a receipt associated with payment information to the relay device, so that the relay device sends a transaction update indication message carrying the receipt to the wallet management server, as shown in fig. 3, an optional implementation manner is provided in this embodiment of the present application, including: and S301.

S301, the first collection hardware wallet sends a transaction update request message carrying a collection certificate to the payment device, so that the payment device displays a page for confirming whether to respond to the transaction update request message to the user, and the payment device sends a transaction update indication message to the wallet management server after recognizing a request confirmation operation executed by the user.

In one implementation, a display module may be configured on the payment device. Based on this, the payment device may present a page for confirming whether to respond to the transaction update request message to the user through the configured display module after receiving the transaction update request message from the first payment hardware wallet. Subsequently, if the payment device recognizes a request confirmation operation performed by the user (e.g., clicking a confirmation button), a transaction update indication message may be sent to the wallet management server. If the payment device recognizes that the user performs a request denial operation (e.g., clicking a denial button), no transaction update indication message is sent to the wallet management server.

In one embodiment, after the first collecting hardware wallet receives the payment information corresponding to the target transaction from the payment device, as shown in fig. 4, the transaction method of the embodiment of the present application further includes: S401-S402.

S401, the first collection hardware wallet verifies the validity of the payment information and generates a collection voucher when the verification is passed.

In one implementation, the first checkout hardware wallet may be configured with a transaction module. Upon receiving payment information from the payment device, the first payment hardware wallet may verify the validity, authenticity, etc. of the payment information based on the transaction module and confirm completion of the target transaction upon verification. Specifically, the first checkout hardware wallet may update information such as the amount of digital currency stored and generate a checkout credential corresponding to the target transaction.

S402, the first collection hardware wallet encrypts collection certificates based on the keys and stores the encrypted collection certificates.

In one implementation, the first payment hardware wallet stores a key corresponding to the first payment hardware wallet. After generating the collection voucher corresponding to the target transaction, in order to ensure the security and uniqueness in the process of forwarding the transaction voucher, the first collection hardware wallet may further encrypt the collection voucher based on the stored key, and store the encrypted collection voucher.

In a possible manner, the key corresponding to the first payment hardware wallet may be generated in advance based on a cryptographic algorithm. The key is stored in the hardware wallet according to the principle of one card and one secret. The first money receiving hardware wallet can encrypt the money receiving voucher stored in the hardware wallet by using the key and send the money receiving voucher to the wallet management server for payment transaction, so that the security of the transaction is improved.

In an embodiment, with reference to fig. 2, before the first collection hardware wallet sends a collection credential corresponding to the target transaction to the relay device, as shown in fig. 5, the transaction method provided in this embodiment of the application further includes: and S501.

S501, when the communication connection between the first money collection hardware wallet and the wallet management server is interrupted, determining the duration of the communication connection interruption, and determining the relationship between the duration of the communication connection interruption and a preset duration threshold.

It should be noted that, if the communication connection between the first collection hardware wallet and the wallet management server is only interrupted for a short time, the first collection hardware wallet may store the collection credential by itself, and after the communication connection with the wallet management server is restored, send the collection credential corresponding to the target transaction to the wallet management server by itself, and complete the synchronous update of the transaction information.

In one implementation, to determine whether a synchronous update of the target transaction in the wallet management server needs to be assisted by the relay device, the first payment hardware wallet may determine a duration of the communication connection interruption when the communication connection with the wallet management server is interrupted, and determine a relationship between the duration of the communication connection interruption and a preset duration threshold. If the duration of the communication connection interruption is less than the preset duration threshold, the first payment hardware wallet may not send a payment credential corresponding to the target transaction to the relay device. If the duration of the communication connection interruption is greater than or equal to the preset duration threshold, the first payment hardware wallet may send a payment credential corresponding to the target transaction to the relay device.

In an embodiment, with reference to fig. 2, before the first collection hardware wallet sends a collection credential corresponding to the target transaction to the relay device, as shown in fig. 6, the transaction method provided in this embodiment of the application further includes: and S601.

S601, the first money collection hardware wallet determines the communication connection state with the wallet management server according to a preset period.

In one possible approach, the preset period may be preset by the staff in the first cash register hardware wallet. For example, the preset period may be 3 minutes or 5 minutes, etc.

In one implementation, to ensure the reliability of the transaction, the first payment hardware wallet determines the communication connection status with the wallet management server according to a preset period to determine whether the synchronous update of the target transaction in the wallet management server needs to be assisted by the relay device. If the first payment hardware wallet may be interrupted in a communication connection with the wallet management server, the first payment hardware wallet may send payment credentials corresponding to the target transaction to the relay device.

In one embodiment, the first payment hardware wallet may be configured with a short range communication module to support a pre-set communication mode. When the first collection hardware wallet sends a collection credential associated with payment information to the relay device, an alternative implementation manner is provided in an embodiment of the present application, including: and S701.

S701, the first money receiving hardware wallet sends a transaction request message to the relay device based on a preset communication mode.

In one possible mode, the preset communication mode includes at least one of a bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wideband communication mode, and a wired communication mode.

Optionally, the preset communication manner may further include, but is not limited to: infrared transaction communication mode, purple bee transaction communication mode and wireless fidelity transaction communication mode.

In a possible mode, the relay device (namely, the second collection hardware wallet or the payment device) can also be configured with a short-range communication module, and the short-range communication module is adapted to the type of the short-range communication module configured by the first collection hardware wallet so as to facilitate the trusted and controllable short-range communication with the first collection hardware wallet.

In one implementation, the user may pre-establish a communication connection between the first payment hardware wallet and the relay device based on the close-range communication module. For example, when the short-range communication module is a communication module supporting a bluetooth communication mode, the user may perform a parameter configuration operation for setting a bluetooth pairing key in the client or APP on the first payment hardware wallet to establish a communication connection between the first payment hardware wallet and the relay device based on the short-range communication module. Alternatively, when the short-range communication module is a communication module supporting wired communication, the user may install a tangible medium such as a metal wire or an optical fiber between the first hardware wallet and the relay device to establish a communication connection between the first hardware wallet and the payment device based on the short-range communication module. Based on this, the first collection hardware wallet may send collection credentials corresponding to the target transaction to the relay device based on the preset communication means.

In one implementation, the first payment hardware wallet may also automatically establish a communication connection with the relay device based on the close-range communication module. For example, when the preset communication mode is the near field communication mode, the first money receiving hardware wallet may exchange data when being close to the relay device. That is, the first money-receiving hardware wallet can scan whether a connectable device exists in the periphery through the short-range communication module. After the relay device is scanned, the first collection hardware wallet can automatically establish communication connection with the relay device through the short-range communication module, and sends collection certificates corresponding to target transactions to the relay device based on a preset communication mode.

The transaction method may also be applied to the second payment hardware wallet 102 of fig. 1. As shown in fig. 7, the transaction method includes: S801-S802.

S801, the second hardware wallet receives the transaction update request message from the first hardware wallet.

Wherein the transaction update request message includes a receipt credential corresponding to the target transaction.

S802, the second collection hardware wallet sends a transaction update indication message carrying the collection voucher to the wallet management server, so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

In an embodiment, referring to fig. 7, after S801, that is, after the second hardware wallet receives the transaction update request message from the first hardware wallet, as shown in fig. 8, the transaction method provided in this embodiment of the present application includes: and S901.

S901, the second collection hardware wallet stores collection certificates corresponding to the target transactions.

In an implementation manner, if the second collection hardware wallet is also in a communication interruption state with the wallet management server, the second collection hardware wallet may store a collection credential corresponding to the target transaction in advance after receiving the transaction update request message from the first collection hardware wallet, so as to restore the communication connection with the wallet management server, and then send a transaction update indication message carrying the collection credential to the wallet management server, so that the wallet management server updates the target transaction synchronously with the first collection hardware wallet according to the collection credential.

In one embodiment, the second payment hardware wallet may be configured with a short-range communication module to support a pre-set communication mode. Based on this, with reference to fig. 7, in the above S801, when the second payment hardware wallet receives the transaction update request message from the first payment hardware wallet, as shown in fig. 9, an alternative implementation manner is provided in the embodiment of the present application, including: and S1001.

And S1001, the second money receiving hardware wallet receives a transaction updating request message based on a preset communication mode.

In one implementation, the second collection hardware wallet may be a digital money collection device affiliated with the same merchant as the first collection hardware wallet. In this case, the second and first purses may establish a connection based on a preset communication means. The preset communication mode may include at least one of a bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wideband communication mode, and a wired communication mode.

The transaction method may also be applied to the payment device 103 in fig. 1. As shown in fig. 10, the transaction method includes: S1101-S1102.

S1101, the payment device receives a transaction update request message from a first payment hardware wallet.

And S1102, the payment device responds to the request confirmation operation executed by the user, and sends a transaction update indication message carrying the collection certificate to the wallet management server, so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection certificate.

In an embodiment, referring to fig. 10, after S1101 above, that is, after the payment device receives the transaction update request message from the first payment hardware wallet, as shown in fig. 11, the transaction method provided in the embodiment of the present application includes: and S1201.

S1201, the payment device responds to the transaction update request message and displays a page for confirming whether to respond to the transaction update request message.

In an embodiment, referring to fig. 10, before S1102, that is, before the payment device sends, to the wallet management server, a transaction update indication message carrying the receipt credential in response to the request confirmation operation performed by the user, as shown in fig. 12, the transaction method provided in this embodiment of the present application includes: and S1301.

S1301, the payment device stores a collection voucher corresponding to the target transaction.

In an implementation manner, if the payment device and the wallet management server are also in a communication interruption state, the payment device may store a receipt credential corresponding to the target transaction in advance after receiving a transaction update request message from the first receipt hardware wallet, so as to restore a communication connection with the wallet management server, and then send a transaction update indication message carrying the receipt credential to the wallet management server, so that the wallet management server updates the target transaction synchronously with the first receipt hardware wallet according to the receipt credential.

In one embodiment, the payment device may be configured with a short-range communication module for supporting a preset communication mode. Based on this, with reference to fig. 10, in the above S1101, when the payment device receives the transaction update request message from the first payment hardware wallet, as shown in fig. 13, an alternative implementation manner is provided in the embodiment of the present application, including: s1401.

S1401, the payment device receives a transaction updating request message based on a preset communication mode.

The preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

In an embodiment, as shown in fig. 14, a schematic diagram of a transaction flow provided in the embodiment of the present application is shown. After receiving the payment information from the payment device, the first collection hardware wallet may send a collection credential corresponding to the target transaction to the second collection hardware wallet or the payment device when the current communication status between the first collection hardware wallet and the wallet management server meets a preset condition, so that the second collection hardware wallet or the payment device sends the collection credential corresponding to the target transaction to the wallet management server. Subsequently, the wallet management server may update the target transaction in synchronization with the first checkout hardware wallet based on the transaction credentials.

The scheme provided by the embodiment of the application is mainly introduced from the perspective of a method. In order to implement the above functions, the transaction device or the electronic device includes a hardware structure and/or a software module corresponding to each function. Those of skill in the art would readily appreciate that the various illustrative elements and algorithm steps described in connection with the embodiments disclosed herein may be implemented as hardware or combinations of hardware and computer software. Whether a function is performed as hardware or computer software drives hardware depends upon the particular application and design constraints imposed on the solution. Skilled artisans may implement the described functionality in varying ways for each particular application, but such implementation decisions should not be interpreted as causing a departure from the scope of the present application.

The embodiment of the application can exemplarily perform functional module scratch on a hardware wallet or a near-end device according to the method

For example, the hardware wallet or the near-end device may include respective functional modules corresponding to respective functional divisions, or two or more functions may be integrated into one processing module. The integrated module can be implemented in a hardware form

Now, the implementation can also be in the form of software functional modules. It should be noted that, in the embodiment of the present application, the division of the module is schematic, and is only one logic function division, and there may be another division manner in actual implementation.

For example, the embodiment of the application also provides a transaction device.

FIG. 15 is a block diagram illustrating a transaction device according to an example embodiment. Referring to fig. 14, the transaction device applies 0 to the first payment hardware wallet; the transaction apparatus includes: a reception unit 1501 and a transmission unit 1502; a reception unit 1501 for receiving the received signals,

the payment device is used for receiving payment information corresponding to the target transaction from the payment device; a sending unit 1502, configured to send a payment receipt corresponding to the target transaction to the relay device when a current communication status between the relay device and the wallet management server meets a preset condition, so that the relay device sends a transaction update indication message carrying the payment receipt to the wallet management server; trading

The update indication message is used for indicating the wallet management server to synchronously update the target 5 transaction with the first payment hardware wallet according to the payment voucher; the relay device includes a second checkout hardware wallet and a payment device.

In an implementation manner, the sending unit 1502 is specifically configured to: and sending a transaction update request message carrying the collection voucher to the payment device, so that the payment device displays a page for confirming whether to respond to the transaction update request message to the user, and the payment device sends a transaction update indication message to the wallet management server after recognizing a request confirmation operation executed by the user.

0 in an implementation manner, the first money collection hardware wallet stores a secret corresponding to the first money collection hardware wallet

A key; further comprising: an authentication unit 1503 and an encryption unit 1504; the verification unit 1503 is used for verifying the validity of the payment information and generating a collection voucher when the verification is passed; an encrypting unit 1504, configured to encrypt the receipt voucher based on the key, and store the encrypted receipt voucher.

In one possible implementation, the current communication conditions include a communication connection status between the first checkout hardware wallet and the wallet management server 5, and a duration of the communication connection status; the communication connection state is communication connection interruption or communication

The connection is normal; the preset conditions comprise that the communication connection between the wallet management server and the wallet management server is interrupted, and the duration of the interrupted communication connection is greater than or equal to a preset duration threshold; further comprising: a determination unit 1505; a determining unit 1505 is used for determining the duration of the communication connection interruption when the communication connection with the wallet management server is interrupted, and determining the relationship between the duration of the communication connection interruption and the size of the preset duration threshold.

0 in one possible implementation manner, the determining unit 1505 is further configured to determine a communication connection status with the wallet management server according to a preset period.

In one implementation, the first payment hardware wallet is configured with a short-range communication module for supporting a preset communication mode; the sending unit 1502 is specifically configured to: sending a transaction request message to the relay equipment based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

FIG. 16 is a block diagram illustrating another transaction device according to an example embodiment. Referring to fig. 16, the transaction device is applied to a second checkout hardware wallet; the transaction device comprises: a receiving unit 1601 and a transmitting unit 1602; a receiving unit 1601, configured to receive a transaction update request message from a first cash receiving hardware wallet; the transaction update request message includes a receipt credential corresponding to the target transaction; a sending unit 1602, configured to send a transaction update indication message carrying the receiving credential to the wallet management server, so that the wallet management server updates the target transaction in synchronization with the first receiving hardware wallet according to the receiving credential.

In one implementation manner, the method further includes: storage 1603, is used to store the receipt voucher corresponding to the target transaction.

In one implementation, the second cash-receiving hardware wallet is configured with a short-range communication module for supporting a preset communication mode; the sending unit 1602 is specifically configured to: receiving a transaction updating request message based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

FIG. 17 is a block diagram of another transaction device, according to an example embodiment. Referring to fig. 17, the transaction apparatus is applied to a payment device; the transaction device comprises: a reception unit 1701 and a transmission unit 1702; a receiving unit 1701 for receiving a transaction update request message from the first money receiving hardware wallet; the transaction update request message includes a receipt credential corresponding to the target transaction; a sending unit 1702, configured to send, in response to a request confirmation operation performed by a user, a transaction update indication message carrying a collection credential to a wallet management server, so that the wallet management server updates a target transaction in synchronization with a first collection hardware wallet according to the collection credential.

In one implementation manner, the method further includes: a display unit 1703; a display unit 1703, configured to display a page for confirming whether to respond to the transaction update request message in response to the transaction update request message.

In one implementation manner, the method further includes: a storage unit 1704; a storage unit 1704 is configured to store a receipt credential corresponding to the target transaction.

In one possible implementation, the payment device is provided with a short-range communication module for supporting a preset communication mode; the receiving unit 1701 is specifically configured to: receiving a transaction updating request message based on a preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

With regard to the apparatus in the above-described embodiment, the specific manner in which each module performs the operation has been described in detail in the embodiment related to the method, and will not be elaborated here.

FIG. 18 is a block diagram illustrating an electronic device in accordance with an example embodiment. The electronic device may be the hardware wallet or the near-end device.

As shown in fig. 18, electronic device 100 includes, but is not limited to: a processor 110 and a memory 120.

The memory 120 is used for storing the executable instructions of the processor 110. It will be appreciated that the processor 110 is configured to execute instructions to implement the transaction method of the above embodiments.

It should be noted that, as those skilled in the art will appreciate, the electronic device structure shown in fig. 18 does not constitute a limitation of the electronic device, and the electronic device may include more or less components than those shown in fig. 18, or may combine some components, or may have different component arrangements.

The processor 110 is a control center of the electronic device, connects various parts of the entire electronic device using various interfaces and lines, performs various functions of the electronic device and processes data by operating or executing software programs and/or modules stored in the memory 120 and calling data stored in the memory 120, thereby integrally monitoring the electronic device. Processor 110 may include one or more processing units; alternatively, the processor 110 may integrate an application processor, which mainly handles operating systems, user interfaces, application programs, etc., and a modem processor, which mainly handles wireless communications. It will be appreciated that the modem processor described above may not be integrated into the processor 110.

The memory 120 may be used to store software programs as well as various data. The memory 120 may mainly include a program storage area and a data storage area, wherein the program storage area may store an operating system, an application program required for at least one functional module), and the like. Further, the memory 120 may include high speed random access memory, and may also include non-volatile memory, such as at least one magnetic disk storage device, flash memory device, or other volatile solid state storage device.

In an exemplary embodiment, there is also provided a computer readable storage medium comprising instructions, such as a memory 120 comprising instructions executable by the processor 110 of the electronic device 100 to implement the transaction method in the above embodiments.

Alternatively, the computer-readable storage medium may be a non-transitory computer-readable storage medium, which may be, for example, a Read-Only Memory (ROM), a Random Access Memory (RAM), a CD-ROM, a magnetic tape, a floppy disk, an optical data storage device, and the like.

In an exemplary embodiment, the present application further provides a computer program product including one or more instructions, which can be executed by the processor 110 of the electronic device 100 to complete the transaction method in the foregoing embodiment.

It should be noted that the instructions in the computer-readable storage medium or one or more instructions in the computer program product are executed by the processor 110 of the electronic device 100 to implement the processes of the transaction method embodiment, and the same technical effects as the transaction method can be achieved, and are not described herein again to avoid repetition.

Through the above description of the embodiments, it is clear to those skilled in the art that, for convenience and simplicity of description, the foregoing division of the functional modules is merely used as an example, and in practical applications, the above function distribution may be completed by different functional modules according to needs, that is, the internal structure of the device may be divided into different functional modules to complete the above-described full-classification part or part of the functions.

In the several embodiments provided in the present application, it should be understood that the disclosed apparatus and method may be implemented in other ways. For example, the above-described embodiments of the apparatus are merely illustrative, and for example, a module or a unit may be divided into only one logic function, and may be implemented in other ways, for example, a plurality of units or components may be combined or integrated into another apparatus, or some features may be omitted, or not executed. In addition, the shown or discussed mutual coupling or direct coupling or communication connection may be an indirect coupling or communication connection through some interfaces, devices or units, and may be in an electrical, mechanical or other form.

Units described as separate parts may or may not be physically separate, and parts displayed as units may be one physical unit or a plurality of physical units, may be located in one place, or may be distributed to a plurality of different places. The purpose of the scheme of the embodiment can be realized by selecting a part of or a whole classification part unit according to actual needs.

In addition, functional units in the embodiments of the present application may be integrated into one processing unit, or each unit may exist alone physically, or two or more units are integrated into one unit. The integrated unit can be realized in a form of hardware, and can also be realized in a form of a software functional unit.

The integrated unit, if implemented in the form of a software functional unit and sold or used as a stand-alone product, may be stored in a readable storage medium. Based on such understanding, the technical solutions of the embodiments of the present application, or portions thereof that contribute to general technology, or the whole classification part or portions thereof, may be embodied in the form of a software product, which is stored in a storage medium and includes several instructions to enable a device (which may be a single chip, a chip, etc.) or a processor (processor) to execute the whole classification part or some steps of the methods of the embodiments of the present application. And the aforementioned storage medium includes: various media capable of storing program codes, such as a U disk, a removable hard disk, a ROM, a RAM, a magnetic disk, or an optical disk.

The above is only an embodiment of the present application, but the scope of the present application is not limited thereto, and any changes or substitutions within the technical scope of the present disclosure should be covered by the scope of the present application. Therefore, the protection scope of the present application shall be subject to the protection scope of the claims.

Claims

1. A transaction method, applied to a first checkout hardware wallet; the transaction method comprises the following steps:

receiving payment information corresponding to the target transaction from a payment device;

when the current communication condition between the wallet management server and the wallet management server meets a preset condition, sending a collection certificate corresponding to the target transaction to a relay device, so that the relay device sends a transaction update indication message carrying the collection certificate to the wallet management server; the transaction update indication message is used for indicating the wallet management server to update the target transaction synchronously with the first payment hardware wallet according to the payment voucher; the relay device includes a second payment hardware wallet and the payment device.

2. The transaction method according to claim 1, wherein when the relay device is the payment device, the sending a receipt credential corresponding to the target transaction to the relay device, so that the relay device sends a transaction update indication message carrying the receipt credential to the wallet management server, comprises:

and sending a transaction update request message carrying the collection voucher to the payment equipment, so that the payment equipment displays a page for confirming whether to respond to the transaction update request message to a user, and the payment equipment sends the transaction update indication message to the wallet management server after recognizing a request confirmation operation executed by the user.

3. The transaction method according to claim 1, wherein the first payment hardware wallet has stored therein a key corresponding to the first payment hardware wallet; after receiving the payment information corresponding to the target transaction from the payment device, the method further comprises the following steps:

verifying the validity of the payment information, and generating the collection voucher when the verification is passed;

and encrypting the collection voucher based on the key, and storing the encrypted collection voucher.

4. The transaction method of claim 1, wherein the current communication conditions include a communication connection status between the first payment hardware wallet and the wallet management server, and a duration of the communication connection status; the communication connection state is communication connection interruption or normal communication connection; the preset condition comprises that the communication connection between the wallet management server and the wallet management server is interrupted, and the duration of the interrupted communication connection is greater than or equal to a preset duration threshold; before sending a receipt credential corresponding to the target transaction to a relay device, the method further includes:

when the communication connection between the wallet management server and the wallet management server is interrupted, determining the duration of the interrupted communication connection, and determining the relationship between the duration of the interrupted communication connection and the preset duration threshold.

5. The transaction method according to claim 4, further comprising:

and determining the communication connection state with the wallet management server according to a preset period.

6. A transaction method according to any of claims 1 to 5, wherein the first payment hardware wallet is configured with a short-range communication module for supporting a pre-set communication means; the sending a receipt associated with the payment information to a relay device includes:

sending the transaction request message to the relay equipment based on the preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

7. A transaction method, characterised by being applied to a second payment hardware wallet; the transaction method comprises the following steps:

receiving a transaction update request message from a first checkout hardware wallet; the transaction update request message includes a receipt credential corresponding to a target transaction;

and sending a transaction update indication message carrying the collection voucher to a wallet management server, so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

8. The transaction method according to any one of claim 7, wherein after receiving the transaction update request message from the first hardware wallet, further comprising:

storing the receipt credential corresponding to the target transaction.

9. A transaction method according to any of claims 7 to 8, wherein the second payment hardware wallet is configured with a short-range communication module for supporting a pre-set communication means; the receiving a transaction update request message from a first checkout hardware wallet includes:

receiving the transaction updating request message based on the preset communication mode; the preset communication mode comprises at least one of a Bluetooth communication mode, a wireless network communication mode, a near field communication mode, an ultra wide band communication mode and a wired communication mode.

10. A transaction method, characterized by being applied to a payment device; the transaction method comprises the following steps:

and in response to a request confirmation operation executed by a user, sending a transaction update indication message carrying the collection voucher to a wallet management server, so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

11. The transaction method of claim 10, wherein after receiving the transaction update request message from the first checkout hardware wallet, further comprising:

and responding to the transaction updating request message, and displaying a page for confirming whether to respond to the transaction updating request message.

12. The transaction method according to claim 10, wherein before sending the transaction update indication message carrying the receipt credential to the wallet managing server, further comprising:

storing the receipt credential corresponding to the target transaction.

13. The transaction method according to any one of claims 10 to 12, wherein the payment device is provided with a short-range communication module for supporting a preset communication means; the receiving a transaction update request message from a first checkout hardware wallet, comprising:

14. A transaction arrangement for use with a first payment hardware wallet; the transaction device comprises: a receiving unit and a transmitting unit;

the receiving unit is used for receiving payment information corresponding to the target transaction from the payment equipment;

the sending unit is used for sending a collection certificate corresponding to the target transaction to the relay equipment when the current communication condition between the sending unit and the wallet management server meets a preset condition, so that the relay equipment sends a transaction update indication message carrying the collection certificate to the wallet management server; the transaction update indication message is used for indicating the wallet management server to synchronously update the target transaction with the first payment hardware wallet according to the payment voucher; the relay device includes a second payment hardware wallet and the payment device.

15. A transaction arrangement for use with a second payment hardware wallet; the transaction apparatus includes: a receiving unit and a transmitting unit;

the receiving unit is used for receiving a transaction update request message from the first money collection hardware wallet; the transaction update request message includes a receipt credential corresponding to a target transaction;

the sending unit is used for sending a transaction update indication message carrying the collection voucher to a wallet management server so that the wallet management server can synchronously update the target transaction with the first collection hardware wallet according to the collection voucher.

16. A transaction arrangement, characterised by being applied to a payment device; the transaction apparatus includes: a receiving unit and a transmitting unit;

a receiving unit for receiving a transaction update request message from a first checkout hardware wallet; the transaction update request message includes a receipt credential corresponding to a target transaction;

and the sending unit is used for responding to a request confirmation operation executed by a user, and sending a transaction update indication message carrying the collection voucher to the wallet management server so that the wallet management server synchronously updates the target transaction with the first collection hardware wallet according to the collection voucher.

17. A transaction system, comprising: a first collection hardware wallet, a second collection hardware wallet, and a payment device;

the first checkout hardware wallet for performing the transaction method of any one of claims 1-6;

the second checkout hardware wallet for performing the transaction method of any one of claims 7 to 9;

the payment device for performing the transaction method of any one of claims 10-13.

18. A first checkout hardware wallet, comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the transaction method of any of claims 1-6.

19. A second checkout hardware wallet, comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the transaction method of any of claims 7-9.

20. A payment device, the payment device comprising:

a processor;

a memory for storing the processor-executable instructions;

wherein the processor is configured to execute the instructions to implement the transaction method of any of claims 10-13.

21. A computer-readable storage medium having instructions stored thereon, wherein,

the instructions in the computer readable storage medium, when executed by a processor of a first cash-out hardware wallet, enable the first cash-out hardware wallet to perform the transaction method of any one of claims 1-6;

or, when the instructions in the computer readable storage medium are executed by a processor of a second cash-receiving hardware wallet, to enable the second cash-receiving hardware wallet to perform the transaction method of any one of claims 7-9;

alternatively, the instructions in the computer readable storage medium, when executed by a processor of a payment device, enable the payment device to perform the transaction method of any of claims 10-13.