WO2023124695A1 - 数字货币交易方法、装置、电子设备及计算机可读介质 - Google Patents

数字货币交易方法、装置、电子设备及计算机可读介质 Download PDF

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WO2023124695A1
WO2023124695A1 PCT/CN2022/134773 CN2022134773W WO2023124695A1 WO 2023124695 A1 WO2023124695 A1 WO 2023124695A1 CN 2022134773 W CN2022134773 W CN 2022134773W WO 2023124695 A1 WO2023124695 A1 WO 2023124695A1
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Prior art keywords
digital currency
transaction
deduction
wallet
transaction request
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PCT/CN2022/134773
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English (en)
French (fr)
Inventor
穆长春
狄刚
吕远
赵新宇
张湛
崔沛东
张明明
彭美玲
陈松
Original Assignee
中国人民银行数字货币研究所
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Publication of WO2023124695A1 publication Critical patent/WO2023124695A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—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
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • 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
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • 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
    • 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
    • G06Q20/381—Currency conversion

Definitions

  • the present disclosure relates to the technical field of digital currency, and in particular, to a digital currency transaction method, device, electronic equipment, and computer-readable medium.
  • the embodiments of the present disclosure provide a digital currency transaction method, device, electronic equipment, and computer-readable medium.
  • a digital currency transaction method applied to a terminal including:
  • a digital currency transaction method is provided, which is applied to a digital currency operating institution, including:
  • a digital currency transaction device which is set in a terminal, including:
  • the receiving unit is configured to receive a transaction request in response to being connected to the digital currency wallet, and then obtain feature negotiation information from the hardware carrier of the digital currency wallet;
  • a transaction type determining unit configured to determine the transaction type based on feature negotiation information
  • the request generation unit is configured to obtain the deduction amount corresponding to the transaction request, and generate an interconnection-based transaction request based on the deduction amount and feature negotiation information in response to the transaction type being an interconnection-based transaction;
  • the sending unit is configured to send the interconnection-based transaction request to the interconnection platform, so as to call the corresponding institutional interface through the interconnection platform to send the interconnection-based transaction request to the corresponding digital currency operating institution;
  • the output unit is configured to receive and output deduction information generated by the digital currency operating institution after deduction is performed based on the interconnection-based transaction request.
  • a digital currency transaction device which is set in a digital currency operating institution, including:
  • the receiving unit is used to receive the institutional transaction request, and then determine the corresponding digital currency wallet balance and deduction amount according to the institutional transaction request;
  • the deduction execution unit is used to determine the type of the digital currency wallet, and then perform deduction to the digital currency wallet according to the type of the digital currency wallet, the balance of the digital currency wallet and the deduction amount, generate deduction information and return it.
  • a digital currency transaction electronic device including: one or more processors; a storage device for storing one or more programs, when one or more programs Executed by one or more processors, so that one or more processors implement the digital currency transaction method according to any one of the above embodiments.
  • FIG. 1 is a schematic diagram of the main flow of a digital currency transaction method according to a first embodiment of the present disclosure
  • Fig. 2 is a schematic diagram of a transaction process of a digital currency hardware wallet in quasi-account mode according to a digital currency transaction method according to an embodiment of the present disclosure
  • Fig. 3 is a schematic diagram of the parent-child ownership relationship of the digital currency hardware wallet in quasi-account mode according to the digital currency transaction method according to an embodiment of the present disclosure
  • FIG. 4 is a schematic diagram of the management of the digital currency hardware wallet of the mobile client APP aligned with the account mode according to the digital currency transaction method of an embodiment of the present disclosure
  • FIG. 5 is a schematic diagram of feature negotiation between a quasi-account mode digital currency wallet and a POS terminal according to a digital currency transaction method according to an embodiment of the present disclosure
  • Fig. 6 is a schematic diagram of the main flow of the digital currency transaction method according to the second embodiment of the present disclosure.
  • FIG. 7 is a schematic diagram of the main flow of a digital currency transaction method according to a third embodiment of the present disclosure.
  • FIG. 8 is a schematic diagram of the main flow of a digital currency transaction method according to a fourth embodiment of the present disclosure.
  • Fig. 9 is a schematic diagram of main units of a digital currency transaction device according to an embodiment of the present disclosure.
  • Fig. 10 is a schematic diagram of main units of a digital currency transaction device according to an embodiment of the present disclosure.
  • Fig. 1 is a schematic diagram of the main flow of the digital currency transaction method according to the first embodiment of the present disclosure. As shown in Fig. 1, the digital currency transaction method is applied to the terminal, including:
  • Step S101 receiving a transaction request in response to connecting to the digital currency wallet, and then obtaining feature negotiation information from the hardware carrier of the digital currency wallet.
  • digital currency transactions involve digital currency wallets, POS terminals, digital currency operating agencies and interconnection platforms.
  • the digital currency wallet is a digital currency hardware wallet in quasi-account mode, which provides a digital currency wallet that records the value of digital currency in the form of an account and does not establish a relationship between the user's identity and the value of digital currency in the account.
  • the security chip is the storage medium, which can be used for single-offline transactions on the POS terminal, and can be read and written through the mobile phone client. usage of. At the same time, users can choose to use it anonymously or with their real names to fully protect their privacy rights.
  • the digital currency wallet in the embodiment of the present disclosure establishes a connection with the POS terminal through the NFC near-field communication protocol, obtains the feature negotiation information in the hardware carrier, and judges according to the feature negotiation information that if it belongs to the institution, it will directly process it according to the current transaction mode ( Among them, the transaction mode of this generation is that the executive body directly sends the deduction application to the digital currency operating agency, so as to execute the corresponding deduction through the digital currency operating agency), if it is inter-institutional, the inter-institutional payment is forwarded through the central bank interconnection platform Apply to a digital currency operating institution. After the payment wallet operator deducts the money, return to the POS terminal in the same way. If the password-free limit is exceeded, the user needs to enter the hardware wallet payment password at the POS terminal.
  • the execution subject of the digital currency transaction method can establish a connection with the hardware carrier set in the digital currency wallet through a wired connection or a wireless connection.
  • the executive body confirms the connection with the digital currency wallet, it receives the transaction request initiated by the user, and then can send an encrypted deduction application message to the hardware carrier in the digital currency wallet, and the hardware carrier in the digital currency wallet receives the encrypted deduction application message.
  • the processing result message is returned to the execution subject, wherein the result message can carry feature negotiation information.
  • the execution subject can obtain the feature negotiation information in the processing result message sent by the hardware carrier of the digital currency wallet.
  • the characteristic negotiation information may contain the identifications of the digital currency operating institutions corresponding to the two parties to the transaction (or multiple parties to the transaction). It can be determined whether the transaction is conducted between the same digital currency operating institutions or between different digital currency operating institutions through the characteristic negotiation information.
  • the feature negotiation information may include information such as the operating institution identifier G corresponding to the digital currency wallet account opened by the seller and the operating institution identifier H corresponding to the buyer's digital currency wallet account.
  • the digital currency transaction method before receiving the transaction request, further includes: establishing a connection with the digital currency wallet through a near field communication protocol or Bluetooth connection technology.
  • the execution subject can only receive the transaction request after establishing a connection with the digital currency wallet.
  • the executive body can provide post-post reading and writing management services, based on the NFC near-field communication protocol, read the digital currency wallet, and bind it to the personal digital wallet, and can receive the transaction request initiated by the digital currency wallet anytime and anywhere, according to Transaction requests, recharge and management of digital currency wallets, including redemption, redemption, password management, cancellation, application update, limit management, small-amount password-free management, loss reporting and unlocking functions, etc.
  • the digital currency wallet in the embodiment of the present disclosure is a quasi-account mode hardware wallet.
  • quasi-account The meaning of the digital renminbi based on the quasi-account model is that the operating agency records the value of the digital renminbi in the form of an account, but does not establish a relationship between the user's identity and the value of the digital renminbi in the account.
  • the digital renminbi products of the quasi-account model are issued for users with unspecified identities, and the payment process is consistent with the account model.
  • the feature of the quasi-account mode hardware wallet is mainly to record the value of digital currency in the form of an account.
  • the wallet feature negotiation information is stored in the hardware carrier.
  • the association between the user identity and the digital currency value in the account is not established at the time of issuance.
  • the mother wallet of the user can recharge it, and the consumption amount can be echoed on the display screen when consuming on the terminal.
  • the method further includes:
  • the execution subject initiates a feature negotiation to a receiver, such as a hardware wallet carrier (that is, the hardware carrier in the digital currency wallet in this disclosure), and sends a feature negotiation command , and then send the selected application identifier Select AID to the receiver (hardware wallet carrier), and receive the response Response returned by the hardware wallet carrier.
  • the response Response carries transaction parameters, and the example can be the application parameter selected by the receiver (hardware wallet carrier) , for example, may include parameters such as expression version information, application version information, transaction model, terminal type, and networking capabilities.
  • a feature negotiation mechanism is added for version negotiation, interaction capability parameter exchange and subsequent function expansion, and the characteristics of the transaction between the two parties are determined through negotiation, including expression version information and application version information , transaction model, terminal type, networking capabilities and other parameters.
  • Step S102 based on the feature negotiation information, determine the transaction type.
  • the feature negotiation information may include information such as the operating institution identifier G corresponding to the digital currency wallet account opened by the seller and the operating institution identifier H corresponding to the buyer's digital currency wallet account.
  • the seller can be a merchant, and the buyer can be a consumer.
  • the associated objects may specifically be the identity of the digital currency operating institution corresponding to user A and the identity of the digital currency operating institution corresponding to user B who has a transaction with user A.
  • the executive body can determine that the transaction type is a transaction of the same institution.
  • the executive body can determine that the transaction type is an interconnection-based transaction.
  • the feature negotiation information may also include encrypted payment amount, whether to pay in installments, and other information, and the embodiment of the present disclosure does not specifically limit the content included in the feature negotiation information.
  • the executed digital currency transaction is as follows: User A uses Open a digital currency wallet at line a and deposit 100 yuan from the personal bank account at line b into it, and then pay to merchant B through the digital wallet, and the digital wallet for merchant B to receive money is opened at line b, and It was exchanged back to B's personal bank account of line b.
  • the specific flow of funds may be that Bank a, the digital currency operating institution of A, first confirms the fund inventory in its digital currency bank library, and after feeding back the information to the central bank registration center, the central bank changes the owner of the 100 yuan digital currency from the bank a bank to It is user A; when user A pays 100 yuan to B, bank b, the digital currency operating institution of B, first confirms the inventory of its digital currency bank treasury, and feeds back the information to the central bank registration center, and the registration center assigns the owner of the 100 yuan digital currency by User A changes to user B.
  • bank b When user B deposits 100 yuan into the bank account of bank b, bank b will feed back the information to the central bank registration center, and then the central bank will cancel and record the 100 yuan digital currency from the digital currency bank library of bank b, and restore Line b is a digital currency exchange quota of 100 yuan.
  • Step S103 acquiring the deducted amount corresponding to the transaction request, and generating a transaction request based on interconnection based on the deducted amount and feature negotiation information in response to the transaction type being an interconnection-based transaction.
  • the execution subject When the execution subject determines that the transaction type is an interconnection-based transaction according to the characteristic negotiation information, it can generate a request for an inter-agency deduction application as shown in Figure 2 according to the deduction amount corresponding to the obtained transaction request (that is, an interconnection-based transaction request) to the interconnection platform.
  • the interconnection platform is responsible for the interconnection of digital currency wallets of different institutions.
  • Step S104 sending the interconnection-based transaction request to the interconnection platform, so as to call the corresponding institutional interface through the interconnection platform to send the interconnection-based transaction request to the corresponding digital currency operating institution.
  • the executive body After the executive body sends the interconnection-based transaction request to the interconnection platform, it can forward the interconnection-based transaction request (that is, forward the inter-institutional deduction application in Figure 2) to the digital currency wallet to be deducted through the interconnection platform Corresponding digital currency operating institutions.
  • Digital currency strings are stored in the background system of the digital currency operating agency for digital currency payment.
  • Step S105 receiving and outputting the deduction information generated by the digital currency operating institution after performing deduction based on the transaction request based on interconnection.
  • the executive body After the executive body sends the interconnection-based transaction request to the digital currency operating institution, it can receive the deduction information returned by the digital currency operating institution, and output and display it through visual screens and other devices.
  • the method further includes: obtaining the balance in the deduction information, the recharge amount, the deduction amount, and the digital currency wallet Type and transaction type identification; display the balance, recharge amount, deduction amount, digital currency wallet type and transaction type identification on the visual screen.
  • the executive body can display any one or several of the balance, recharge amount, deduction amount, type of digital currency wallet, and transaction type identification on the visual screen, and it does not need to display all of them.
  • the executive body can also obtain the user's display requirement configuration information, and display one or several corresponding information of the balance, recharge amount, deduction amount, type of digital currency wallet, and transaction type identifier according to the user's display requirement configuration information.
  • the balance is the remaining amount of the digital currency wallet that performs the deduction after the deduction.
  • the embodiment of the present disclosure provides a digital currency transaction method, which uses a digital currency in quasi-account mode based on a hardware carrier, and the currency string is stored in the background of the digital currency operating organization, and only the acceptance terminal needs to be connected to the Internet during the transaction. It solves the problem of coin storage and user privacy security protection.
  • the user handles the digital currency wallet of the present disclosure anonymously on the side of the digital currency operating institution or agent, that is, the digital currency hardware wallet in the quasi-account mode.
  • the digital currency wallet according to the embodiment of the present disclosure is based on the NFC near-field communication protocol for one-touch consumption on the POS terminal, and supports password-free small amounts.
  • the current transaction amount will be displayed on the display screen of the card.
  • the POS terminal reads the information in the hardware carrier and sends it to the background system to make a payment request. After the background completes the deduction processing, the result is returned to the POS terminal through the original path, and the POS terminal prompts for the payment result.
  • feature negotiation is required first. Through the feature negotiation mechanism, the hardware wallet can realize fast transaction model selection and shorten transaction time.
  • This embodiment receives a transaction request in response to connecting to a digital currency wallet, and then obtains feature negotiation information from the hardware carrier of the digital currency wallet; determines the transaction type based on the feature negotiation information; obtains the deduction amount corresponding to the transaction request, and responds to
  • the transaction type is an interconnection-based transaction, and an interconnection-based transaction request is generated based on the deducted amount and feature negotiation information; the interconnection-based transaction request is sent to the interconnection platform to call the corresponding institutional interface through the interconnection platform.
  • the interconnected transaction request is sent to the corresponding digital currency operating institution; the deduction information generated by the receiving digital currency operating institution after performing the deduction based on the interconnected transaction request is output.
  • the transaction type is determined. Based on the transaction type, the forwarding of requests between the front end and the terminal background, and the execution of transaction requests, using a digital currency wallet that does not establish a relationship between the user's identity and the value of digital currency in the account, and using a security chip as a storage medium, can be used in Offline transactions on the POS terminal can be managed through the terminal for post-post reading and writing. Solved the capacity and algorithm capacity limitations of the front-end storage coin string.
  • Fig. 6 is a schematic diagram of the main flow of a digital currency transaction method according to a second embodiment of the present disclosure. As shown in Fig. 6, the digital currency transaction method includes:
  • Step S601 receiving a transaction request in response to connecting to the digital currency wallet, and then obtaining feature negotiation information from the hardware carrier of the digital currency wallet.
  • Step S602 determine the transaction type based on the feature negotiation information.
  • Step S603 acquiring the deduction amount corresponding to the transaction request.
  • Step S604 in response to the transaction type being a transaction based on interconnection, a transaction request based on interconnection is generated based on the deducted amount and feature negotiation information.
  • Step S605 sending the interconnection-based transaction request to the interconnection platform, so as to call the corresponding institutional interface through the interconnection platform to send the interconnection-based transaction request to the corresponding digital currency operating institution.
  • steps S601 to S605 are similar to those of steps S101 to S104, and will not be repeated here.
  • the method before sending the interconnection-based transaction request to the interconnection platform, the method further includes:
  • the execution subject Before the execution subject sends a transaction request based on interconnection to the interconnection platform, it can first judge whether the deducted amount exceeds the password-free limit set by the user. If it exceeds, the user is required to enter the hardware wallet payment password at the POS terminal for further processing. Payment verification, when the verification is passed, the transaction request sending process based on interconnection or the same institution transaction request sending process is executed, and then the transaction request is sent to the digital currency operating institution for deduction processing.
  • Step S606 receiving and outputting the deduction information generated by the digital currency operating institution after performing the deduction based on the transaction request based on interconnection.
  • step S606 is similar to the principle of step S105, and will not be repeated here.
  • Step S607 generating a same-institution transaction request in response to the transaction type being same-institution transaction.
  • Step When the executive body judges that the institution identifiers are consistent based on the feature negotiation information, it can be determined as a transaction with the same institution, and a transaction request with the same institution is generated, that is, a transaction request that is sent directly to the corresponding digital currency operating institution without going through the interconnection platform.
  • the execution subject After the execution subject generates a same-institution transaction request, it can send it to the digital currency operating institution corresponding to the operating institution identifier in the characteristic negotiation information.
  • Step S609 receiving and outputting the deduction information generated by the digital currency operating institution after performing the deduction based on the same-institution transaction request.
  • the deduction information can include the balance of the digital currency wallet, the identification of the operating institution, and the deduction amount, etc. information.
  • the executive body can output the deduction information in the form of voice broadcast, or output the deduction information through the display screen.
  • the embodiment of the present disclosure does not specifically limit the output manner of the deduction information.
  • the embodiment of the present disclosure generates a transaction request corresponding to the transaction type determined according to the feature negotiation information, and executes the deduction of the digital currency wallet through the interconnection platform or directly to the corresponding digital currency operating organization, without manual lines Select the sending method of the transaction request under , so that the deduction of the digital currency wallet can be made smarter and faster.
  • Fig. 7 is a schematic diagram of the main flow of a digital currency transaction method according to a third embodiment of the present disclosure.
  • the digital currency transaction method is applied to a digital currency operating institution, which may include:
  • Step S701 receiving the institutional transaction request, and then determining the corresponding digital currency wallet balance and deduction amount according to the institutional transaction request.
  • the executor of the embodiment of the present disclosure is a digital currency operating institution.
  • a digital currency operating institution receives an institutional transaction request, it first needs to determine the debit amount corresponding to the institution's transaction request and the balance of the corresponding digital currency wallet.
  • Step S702 determine the type of digital currency wallet, and then perform deduction to the digital currency wallet according to the type of digital currency wallet, digital currency wallet balance and deduction amount, generate deduction information and return.
  • the digital currency operating institution After receiving the institutional transaction request, the digital currency operating institution needs to determine whether the transaction request is sent by the terminal or the interconnection platform.
  • the specific determination method may be to obtain the sender's identifier in the institution's transaction request, such as POS, HLHT, etc., which respectively identify the POS terminal and the interconnection platform, and determine the specific name of the request sender according to the sender's identifier. After determining the sender of the request, it can be determined whether the transaction type is a same-institution transaction or an interconnection-based transaction, and then a corresponding transaction type identifier is generated and saved for future use.
  • the digital currency operating institution After receiving the institutional transaction request, the digital currency operating institution also needs to determine the type of digital currency wallet, and judge whether it is a digital currency wallet for anonymous collection and anonymous use or a digital currency wallet for real-name binding and real-name use.
  • digital currency wallets for anonymous collection and anonymous use belong to the public wallet when they are issued, and digital currency wallets for real-name binding and real-name use are bound to personal wallets after issuance.
  • the public wallet is defined as legal person and unincorporated institutions to determine the transaction and balance limits according to the counter opening or remote opening, and supports customization of user needs.
  • Personal wallets are defined as natural persons and individual industrial and commercial households that use classified transactions and balance limit management according to the strength of customer identification.
  • the digital currency wallet can be handled and used anonymously when it is issued, so that users can choose to bind their real names during use. Specifically, it can be bound with one key through the mobile client APP, which is convenient and fast, and can be recharged and managed anytime, anywhere.
  • the types of digital currency wallets may also include Type I wallets (no limit), Type II wallets (a single transaction limit of 50,000 is just an example, and this disclosure is not limited in this embodiment), Type III wallets (a single transaction limit of 50,000 A limit of 5000 is just an example, which is not limited in this embodiment of the present disclosure), four types of wallets (a single transaction limit of 2000 is only an example, and is not limited in this embodiment of the present disclosure).
  • the type of digital currency wallet can also include a master wallet (main wallet, similar to a money box), a sub-wallet (secondary wallet, opened under the master wallet, similar to a money bag.
  • Personal sub-wallets support functions such as limit payment, conditional payment, and personal privacy protection; corporate sub-wallets support functions such as fund attribution and distribution, accounting processing, and financial management).
  • the types of digital currency wallets can also be divided into soft wallets (the carriers of soft wallets can be APP, SDK, etc.) and hard wallets (the carriers of hard wallets can be IC cards, wearable devices, Internet of Things devices, etc.).
  • a hard wallet is a wallet equipped with a hardware carrier, which is the digital currency wallet described in the embodiments of the present disclosure.
  • the digital currency wallet in this disclosure provides a digital currency wallet that records the value of digital currency in the form of an account and does not establish an association between the user identity and the value of digital currency in the account.
  • the security chip is used as the storage medium, which can be used for offline transactions on the POS terminal, and can be read and written through the mobile phone client. It solves the capacity and algorithm capacity limitations of the front-end storage coin string, and can also meet the use problems when the user's mobile phone has no network side. At the same time, users can choose to use it anonymously or with their real names to fully protect their privacy rights.
  • the digital currency wallet is a digital currency wallet for anonymous collection and anonymous use, it is bound to the public wallet, and the balance of the public wallet can be customized according to user needs.
  • the insufficient balance deduction information includes the difference information between the deduction amount and the balance of the public wallet. Prompt the user using the terminal to recharge the public wallet based on the difference information, and in response to detecting the recharge success flag of the public wallet, initiate a deduction of the recharged public wallet based on the deducted amount again, and respond to the successful deduction , return the successful deduction information and the transaction type identifier to the terminal.
  • the quasi-account mode digital currency hardware wallet in the embodiment of the present disclosure is not named at the time of issuance, and can be used anonymously, which can better meet the privacy protection rights of users.
  • the quasi-account mode digital currency wallet does not have so high requirements for the hardware equipment of both the payer and the receiver, and does not require high-speed algorithm processing capabilities and large-capacity storage space, making it more convenient to promote and expand.
  • the digital currency wallet in the embodiment of the present disclosure can be managed through the mobile phone client for post-post reading and writing, which increases the convenience of use.
  • Fig. 8 is a schematic diagram of the main flow of a digital currency transaction method according to a fourth embodiment of the present disclosure.
  • a digital currency transaction method applied to a digital currency operating institution may include:
  • Step S801 receiving the institutional transaction request, and then determining the corresponding digital currency wallet balance and deduction amount according to the institutional transaction request.
  • Step S802 determine the type of digital currency wallet.
  • Step S803 in response to the digital currency wallet being a personal wallet.
  • the digital currency operating institution determines that the type of digital currency wallet is a personal wallet
  • the personal wallet is determined as the master wallet of the digital currency wallet
  • the digital currency wallet is used as a sub-wallet of the master wallet.
  • the master wallet can recharge to the sub-wallet.
  • Step S804 judging whether the deducted amount is greater than the balance of the digital currency wallet.
  • the debit amount is the amount requested to be debited by the institutional transaction request.
  • the digital currency wallet balance refers to the remaining amount in the digital currency wallet opened by the purchaser.
  • the digital currency operating agency can determine whether the deducted amount is greater than the balance of the digital currency wallet to determine whether it is necessary to further recharge the digital currency wallet to meet the successful deduction requirements.
  • Step S805 if so, call the personal wallet associated with the digital currency wallet (the personal wallet is the corresponding parent wallet) to recharge the digital currency wallet, and perform a deduction corresponding to the deduction amount for the recharged digital currency wallet.
  • the executive body determines that the deduction amount is greater than the balance of the digital currency wallet, indicating that the balance of the digital currency wallet is not enough to pay the deduction amount, it needs to obtain the deduction amount from the bound parent wallet and its name.
  • Step S806 if not, deduct the deduction amount from the balance of the digital currency wallet.
  • the digital currency wallet in the embodiment of the present disclosure supports the establishment of a binding relationship with a terminal (such as a mobile client App) (based on NFC near-field communication technology and Bluetooth connection technology) and a personal wallet. After binding to a personal wallet, the quasi-account mode changes to an account mode. After binding, a parent-child ownership relationship is established with the personal wallet, the personal wallet is the corresponding parent wallet, and the digital currency wallet is the child wallet.
  • a terminal such as a mobile client App
  • the quasi-account mode changes to an account mode.
  • a parent-child ownership relationship is established with the personal wallet, the personal wallet is the corresponding parent wallet, and the digital currency wallet is the child wallet.
  • the digital currency operating organization can provide service capabilities for the hardware wallet (that is, the digital currency wallet in this disclosure) through the mobile client APP, bind the sub-wallet to the parent wallet, perform password management on the sub-wallet, and log out , update, limit management, small-amount password-free management, loss report and release, etc., and also supports redemption or redemption to the parent wallet.
  • the single wallet of the digital currency wallet in the embodiment of the present disclosure has an upper limit requirement on the balance, and can pay for a small amount without password, or a large amount of password-checked payment. After binding to the personal wallet, it can follow the limit of the parent wallet.
  • the digital currency operating agency determines that the balance of the digital currency wallet is not enough to pay the deducted amount, it can call the parent wallet corresponding to the digital currency wallet to recharge, and then continue to deduct money after recharging.
  • deduction failure information and transaction type identification can be returned to the terminal.
  • the deduction of the recharged digital currency wallet is performed based on the deduction amount, and the deduction success information and the transaction type identification can be returned to the terminal.
  • Step S807 generate deduction information and return.
  • generating deduction information includes: obtaining the sender ID corresponding to the institution's transaction request, and then generating a transaction type ID based on the sender ID; determining the balance and recharge amount of the digital currency wallet after the deduction; , deduction amount, digital currency wallet type and transaction type identifier to generate deduction information and return it. Specifically, it can be returned to the terminal.
  • the digital currency wallet in the present disclosure is a physical wallet in which the value of digital currency is recorded in the form of an account, and the associated code is stored in a hardware carrier.
  • the association code in the hardware carrier is used as the verification certificate during the transaction.
  • the digital currency wallet belongs to the public wallet, and the public wallet serves as a node for asset tracing and management.
  • the digital currency wallet has an independent wallet balance, and the wallet balance comes from the parent wallet to which it belongs and the bank card bound under the parent wallet.
  • the digital currency wallet can be used on the POS terminal for one-touch consumption, and the connection is established through the near-field NFC communication protocol.
  • the digital currency wallet can be used at the online cash register.
  • the connection is established through the near field communication protocol NFC technology, and the connection is established through the NFC reading and writing module of the mobile phone client. You can also enter the wallet number as the payment certificate sent to the background.
  • the digital currency wallet supports a feature negotiation mechanism. Before the hardware wallet executes a transaction, a feature negotiation mechanism is added to perform version negotiation, interaction capability parameter exchange, and subsequent function expansion. The characteristics of this transaction between the two parties are determined through negotiation, including: expression version Information, application version information, transaction model, terminal type, networking capabilities and other parameters.
  • the hardware wallet can realize fast transaction model selection through the feature negotiation process.
  • the digital currency wallet carrier supports visual screen information display, and the transaction amount can be echoed back on the visual screen when trading on the terminal device.
  • the digital currency wallet uses the transaction counter ATC+1 mechanism in the transaction, that is, the transaction counter of each transaction is unique, and the counter is incremented by one after each transaction, which is used to judge the multi-terminal consistency during the transaction.
  • the digital currency wallet can be bound to a personal wallet. When binding, the wallet code ID is used to verify whether it is the same institutional wallet, and at the same time, it is necessary to judge whether the wallet limit is exceeded. After binding, you can do basic management of the hardware wallet through the parent wallet, including basic management functions such as digital currency redemption and redemption, password management, limit setting, loss reporting and unlinking.
  • the management of digital currency wallet amount needs to satisfy the sum of the master wallet balance and all quasi-account mode hardware wallet balances should be less than or equal to the upper limit of the master wallet balance. Transactions are no longer included in the parent wallet payment limit.
  • the digital currency wallet supports small-amount password-free, and the password-free amount is stored in the background, and users can open or close it on the client side. Transactions within the password-free limit do not need to verify the wallet payment password. If the transaction exceeds the password-free limit, the user needs to enter the wallet payment password on the payee's terminal device.
  • the digital currency wallet uses the national secret SM2/SM3/SM4 algorithm. The key is stored in the hardware carrier according to the principle of "one card, one secret”. The key is used to encrypt the wallet association code and transaction amount information, and transmit it to the backstage of the digital currency operating institution The debit is performed after verification is done.
  • the embodiment of the present disclosure is to record the value of digital currency in the form of an account, and store the associated code of the digital currency wallet in the hardware carrier.
  • the acceptance terminal (for example, it can be a POS terminal or a mobile client APP) reads the associated code in the hardware carrier of the digital currency wallet and sends the transaction application request to the backstage of the digital currency operating institution, and the backstage of the digital currency operating institution sends it after encryption processing To the payment institution, the payment institution decrypts the message after receiving the message, completes the deduction processing, and returns the result to the acceptance terminal.
  • the digital currency wallet (that is, the quasi-account mode hardware wallet) can establish a connection with the mobile client APP by posting a sticker, and can read and write and manage the digital currency wallet (carrying a hardware carrier) through the mobile client.
  • NFC Near Field Communication
  • Digital RMB Digital RMB is a legal currency in digital form issued by the People's Bank of China. It is operated by a designated operating agency. It is based on a broad account system and supports the loose coupling function of bank accounts. It is equivalent to physical RMB and has value characteristics and legal compensation. .
  • APIDU Application Protocol data unit
  • the internal hardware carrier sends an encrypted message, and the hardware carrier performs corresponding processing after receiving the encrypted message, returns the encrypted result message to the mobile client, and the mobile client sends the result to the background of the digital currency operating institution, and the digital currency operation
  • the organization background decrypts the message, it will do the corresponding deduction processing, and return the deduction result to the mobile client.
  • the mobile client analyzes it, it will give the user a reminder, or send it to the hardware carrier of the digital currency wallet again.
  • the mobile phone client can also be replaced by a POS terminal.
  • the embodiment of the present disclosure does not specifically limit the type of the terminal.
  • Fig. 9 is a schematic diagram of main units of a digital currency transaction device according to an embodiment of the present disclosure.
  • the digital currency transaction device includes a receiving unit 901 , a transaction type determining unit 902 , a request generating unit 903 , a sending unit 904 and an output unit 905 .
  • the receiving unit 901 is configured to receive a transaction request in response to connecting to the digital currency wallet, and then obtain feature negotiation information from the hardware carrier of the digital currency wallet.
  • the transaction type determining unit 902 is configured to determine the transaction type based on the feature negotiation information.
  • the request generating unit 903 is configured to obtain the deduction amount corresponding to the transaction request, and generate an interconnection-based transaction request based on the deduction amount and feature negotiation information in response to the transaction type being an interconnection-based transaction.
  • the sending unit 904 is configured to send the interconnection-based transaction request to the interconnection platform, so as to call the corresponding institution interface through the interconnection platform to send the interconnection-based transaction request to the corresponding digital currency operating institution.
  • the output unit 905 is configured to receive and output deduction information generated by the digital currency operating institution after deduction is performed based on the interconnection-based transaction request.
  • the request generating unit 903 is also used to: generate a same-institution transaction request in response to the transaction type being a same-institution transaction; the sending unit 904 is also used to: send to the corresponding digital currency operating institution; the output unit 905 is also used to Yu: Receive and output the deduction information generated by the digital currency operating institution after performing the deduction based on the transaction request of the same institution.
  • the device also includes a verification unit not shown in FIG. 9, which is used to: determine whether the deducted amount exceeds the password-free limit, and if so, display the password input interface, and then obtain the password entered by the user. The password is verified; in response to passing the verification, the transaction request sending process based on interconnection or the transaction request sending process of the same institution is executed.
  • a verification unit not shown in FIG. 9, which is used to: determine whether the deducted amount exceeds the password-free limit, and if so, display the password input interface, and then obtain the password entered by the user. The password is verified; in response to passing the verification, the transaction request sending process based on interconnection or the transaction request sending process of the same institution is executed.
  • the device further includes a connection unit not shown in FIG. 9 , configured to: establish a connection with the digital currency wallet through a near field communication protocol or a Bluetooth connection technology.
  • the device further includes a transaction model determination unit not shown in FIG. 9, configured to: send a feature negotiation request to the digital currency wallet; receive the transaction parameters returned by the digital currency wallet; determine the corresponding transaction model based on the transaction parameters ; Execute the transaction process based on the transaction request based on the transaction model.
  • a transaction model determination unit not shown in FIG. 9, configured to: send a feature negotiation request to the digital currency wallet; receive the transaction parameters returned by the digital currency wallet; determine the corresponding transaction model based on the transaction parameters ; Execute the transaction process based on the transaction request based on the transaction model.
  • the device also includes a display unit not shown in FIG. 9, which is used to: obtain the balance, recharge amount, deduction amount, type of digital currency wallet, and transaction type identification in the deduction information; The recharge amount, deduction amount, digital currency wallet type and transaction type identification are displayed on the visual screen.
  • Fig. 10 is a schematic diagram of main units of a digital currency transaction device according to an embodiment of the present disclosure. As shown in FIG. 10 , the digital currency transaction device includes a receiving unit 1001 and a deduction execution unit 1002 .
  • the receiving unit 1001 is used to receive the institutional transaction request, and then determine the corresponding digital currency wallet balance and deduction amount according to the institutional transaction request;
  • the deduction execution unit 1002 is used to determine the type of the digital currency wallet, and then perform deduction to the digital currency wallet according to the type of digital currency wallet, the balance of the digital currency wallet and the deduction amount, generate deduction information and return it.
  • the deduction execution unit 1002 is also used for: in response to the type of the digital currency wallet being a personal wallet, determine whether the deducted amount is greater than the balance of the digital currency wallet; The currency wallet is recharged, and the deduction corresponding to the deduction amount is performed on the recharged digital currency wallet; otherwise, the deduction amount is deducted from the digital currency wallet balance.
  • the deduction execution unit 1002 is also used to: obtain the sender ID corresponding to the institution's transaction request, and then generate a transaction type ID according to the sender ID; determine the balance and recharge amount of the digital currency wallet after the deduction; Generate and return deduction information based on balance, recharge amount, deduction amount, type of digital currency wallet, and transaction type identifier.
  • each block in a flowchart or block diagram may represent a module, program segment, or portion of code that includes one or more logical functions for implementing specified executable instructions.
  • the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or they may sometimes be executed in the reverse order, depending upon the functionality involved.
  • each block in the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a A combination of dedicated hardware and computer instructions.
  • the embodiment of the present disclosure also discloses a digital currency transaction electronic device, and the digital currency transaction electronic device may include:
  • processors one or more processors
  • the one or more processors When the one or more programs are executed by the one or more processors, the one or more processors implement the method in any of the foregoing embodiments.
  • the digital currency transaction electronic device can be installed on a POS terminal or a mobile phone client APP, and the embodiment of the present disclosure does not limit the specific placement of the digital currency transaction electronic device.
  • the units involved in the embodiments described in the present disclosure may be implemented by software or by hardware.
  • the described units can also be set in the processor, for example, it can be described as: a processor includes a receiving unit, a transaction type determining unit, a request generating unit, a sending unit and an output unit, wherein the names of these units are in some The case does not constitute a limitation of the module itself.
  • the units involved in the embodiments described in the present disclosure may be implemented by software or by hardware.
  • the described unit can also be set in the processor, for example, it can be described as: a processor includes a receiving unit and a deduction execution unit, wherein the names of these units do not constitute a reference to the module itself in some cases. limited.
  • the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently without being assembled into the device.
  • the above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by a device, the device implements the following method: in response to connecting to a digital currency wallet, receiving a transaction request, and then receiving a transaction request from the digital currency wallet Obtain feature negotiation information from the hardware carrier; determine the transaction type based on the feature negotiation information; obtain the deduction amount corresponding to the transaction request, and generate an interconnection-based transaction based on the deduction amount and feature negotiation information in response to the transaction type being an interconnection-based transaction transaction request; send the transaction request based on the interconnection to the interconnection platform, so as to call the corresponding institutional interface through the interconnection platform to send the transaction request based on the interconnection to the corresponding digital currency operating institution; the receiving digital currency operating institution is based on the The deduction information generated after the execution of deduction in the
  • the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently without being assembled into the device.
  • the above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by a device, the device implements the following method: receiving an institutional transaction request, and then determining the corresponding digital currency wallet balance according to the institutional transaction request and the deduction amount; determine the type of the digital currency wallet, and then execute the deduction of the digital currency wallet according to the type of digital currency wallet, the balance of the digital currency wallet and the deduction amount, generate deduction information and return it.
  • the computer readable medium may include ROM, RAM, magnetic disks, optical disks, or USB flash drives, among others.
  • the digital currency wallet by connecting to the digital currency wallet, receiving the transaction request, and then obtaining the feature negotiation information from the hardware carrier of the digital currency wallet; based on the feature negotiation information, determining the transaction type; obtaining the transaction request corresponding
  • the deduction amount in response to the transaction type being an interconnection-based transaction, generates an interconnection-based transaction request based on the deducted amount and feature negotiation information; sends the interconnection-based transaction request to the interconnection platform to call the corresponding transaction through the interconnection platform
  • the institutional interface to send the transaction request based on interconnection to the corresponding digital currency operating institution; receive and output the deduction information generated by the digital currency operating institution after performing deduction based on the transaction request based on interconnection.
  • the transaction type is determined. Based on the transaction type, the forwarding of requests between the front end and the terminal background, and the execution of transaction requests, using a digital currency wallet that does not establish a relationship between the user's identity and the value of digital currency in the account, and using a security chip as a storage medium, can be used in Offline transactions on the POS terminal can be managed through the terminal for post-post reading and writing. Solved the capacity and algorithm capacity limitations of the front-end storage coin string.

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Abstract

一种数字货币交易方法、装置、电子设备及计算机可读介质，涉及数字货币技术领域，该方法包括：响应于连接至数字货币钱包，接收交易请求，从数字货币钱包的硬件载体中获取特征协商信息；基于特征协商信息，确定交易类型；获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求；发送基于互联互通的交易请求至互联互通平台，通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构；接收数字货币运营机构基于互联互通的交易请求执行扣款后生成的扣款信息并输出。解决了前端存储币串的容量和算法能力限制。

Description

数字货币交易方法、装置、电子设备及计算机可读介质
相关申请的交叉引用
本公开要求享有2021年12月31日提交的公开名称为“数字货币 交易方法、装置、电子设备及计算机可读介质”的中国专利申请No. 202111667222.5的优先权，在此全文引用上述中国专利申请公开的内 容以作为本公开的一部分或全部。
技术领域
本公开涉及数字货币技术领域，尤其涉及一种数字货币交易方法、装置、电子设备及计算机可读介质。
背景技术
数字货币有多种类型，正在试点的数字人民币是数字货币的一种具体应用形式。目前，市面上的数字货币钱包大多数基于软件***，即使有基于硬件的前端存储币串方案，其容量和算法能力也非常有限，无法较好地满足用户多样化的业务需求。
发明内容
有鉴于此，本公开实施例提供一种数字货币交易方法、装置、电子设备及计算机可读介质。
根据本公开实施例的一个方面，提供了一种数字货币交易方法，应用于终端，包括：
响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息；
基于特征协商信息，确定交易类型；
获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求；
发送基于互联互通的交易请求至互联互通平台，以通过互联互通 平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构；
接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
另外，根据本公开实施例的一个方面，提供了一种数字货币交易方法，应用于数字货币运营机构，包括：
接收机构交易请求，进而根据机构交易请求确定对应的数字货币钱包余额和扣款金额；
确定数字货币钱包的类型，进而根据数字货币钱包的类型、数字货币钱包余额和扣款金额执行对数字货币钱包的扣款，生成扣款信息并返回。
另外，根据本公开实施例的另一个方面，提供了一种数字货币交易装置，设置于终端，包括：
接收单元，用于响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息；
交易类型确定单元，用于基于特征协商信息，确定交易类型；
请求生成单元，用于获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求；
发送单元，用于发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构；
输出单元，用于接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
另外，根据本公开实施例的另一个方面，提供了一种数字货币交易装置，设置于数字货币运营机构，包括：
接收单元，用于接收机构交易请求，进而根据机构交易请求确定 对应的数字货币钱包余额和扣款金额；
扣款执行单元，用于确定数字货币钱包的类型，进而根据数字货币钱包的类型、数字货币钱包余额和扣款金额执行对数字货币钱包的扣款，生成扣款信息并返回。
另外，根据本公开实施例的另一个方面，还提供了一种数字货币交易电子设备，包括：一个或多个处理器；存储装置，用于存储一个或多个程序，当一个或多个程序被一个或多个处理器执行，使得一个或多个处理器实现如上述任一实施例的数字货币交易方法。
另外，根据本公开实施例的另一个方面，还提供了一种计算机可读介质，其上存储有计算机程序，程序被处理器执行时实现如上述任一实施例的数字货币交易方法。
上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。
附图说明
附图用于更好地理解本公开，不构成对本公开的不当限定。其中：
图1是根据本公开第一实施例的数字货币交易方法的主要流程的示意图；
图2是根据本公开实施例的数字货币交易方法的准账户模式数字货币硬件钱包的交易流程的示意图；
图3是根据本公开实施例的数字货币交易方法的准账户模式数字货币硬件钱包的母子归属关系的示意图；
图4是根据本公开实施例的数字货币交易方法的手机客户端APP对准账户模式数字货币硬件钱包的管理的示意图；
图5是根据本公开实施例的数字货币交易方法的准账户模式数字货币钱包与POS终端特征协商的示意图；
图6是根据本公开第二实施例的数字货币交易方法的主要流程的 示意图；
图7是根据本公开第三实施例的数字货币交易方法的主要流程示意图；
图8是根据本公开第四实施例的数字货币交易方法的主要流程示意图；
图9是根据本公开实施例的数字货币交易装置的主要单元的示意图；
图10是根据本公开实施例的数字货币交易装置的主要单元的示意图。
具体实施方式
以下结合附图对本公开的示范性实施例做出说明，其中包括本公开实施例的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施例做出各种改变和修改，而不会背离本公开的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。本公开技术方案中对数据的获取、存储、使用、处理等均符合国家法律法规的相关规定。
图1是根据本公开第一实施例的数字货币交易方法的主要流程的示意图，如图1所示，数字货币交易方法应用于终端，包括：
步骤S101，响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息。
如图2所示，数字货币交易涉及到数字货币钱包、POS终端、数字货币运营机构和互联互通平台。其中，数字货币钱包为准账户模式数字货币硬件钱包，提供了一种以账户形式记载数字货币的价值、不建立使用者身份与账户中的数字货币价值间的关联关系的数字货币钱包，同时以安全芯片为存储介质，可在POS终端上单离线交易，可通过手机客户端做贴一贴读写管理，解决了前端存储币串的容量和算法 能力限制，也能满足用户手机无网络侧时的使用。同时，用户可选匿名或实名使用，充分维护用户隐私权益。本公开实施例的数字货币钱包通过NFC近场通讯协议与POS终端建立连接，获取硬件载体内的特征协商信息，根据特征协商信息判断如果是本机构的，则直接按照本代本交易模式处理(其中，本代本交易模式为执行主体直接发送扣款申请至数字货币运营机构，以通过数字货币运营机构执行对应的扣款)，如果是跨机构的，则通过央行互联互通平台转发跨机构付款申请至数字货币运营机构。付款钱包运营机构扣款后原路返回至POS终端，若超出免密限额则需要用户在POS终端输入硬件钱包支付密码。
本实施例中，数字货币交易方法的执行主体(例如，可以是POS终端、手机客户端APP等终端设备)可以通过有线连接或无线连接的方式与数字货币钱包中设置的硬件载体建立连接。当执行主体确定与数字货币钱包连接后，接收用户发起的交易请求，进而可以向数字货币钱包中的硬件载体发送加密扣款申请报文，数字货币钱包中的硬件载体接收到加密扣款申请报文后，进行相应解密处理，返回处理结果报文给执行主体，其中结果报文中可以携带特征协商信息。执行主体可以获取数字货币钱包的硬件载体发送的处理结果报文中的特征协商信息。特征协商信息中可以包含有交易双方(也可以是交易多方)对应的数字货币运营机构的标识。通过特征协商信息可以确定是相同数字货币运营机构之间进行的交易还是不同数字货币运营机构之间进行的交易。示例的，特征协商信息可以包括售卖方所开立的数字货币钱包账户对应的运营机构标识G和购买方的数字货币钱包账户对应的运营机构标识H等信息。执行主体获取到数字货币钱包中的硬件载体内的特征协商信息后将交易申请发送到后台，后台经过加密处理发送到对应的数字货币运营机构，对应的数字货币运营机构接收到报文后做解密处理，并完成扣款处理，返回结果给执行主体。
具体地，在接收交易请求之前，数字货币交易方法还包括：通过近场通讯协议或蓝牙连接技术与数字货币钱包建立连接。
执行主体在与数字货币钱包建立连接之后，才能接收到交易请求。示例的，执行主体可以提供贴一贴读写管理服务，基于NFC近场通讯协议，读取数字货币钱包，并绑定至个人数字钱包下，可随时随地接收数字货币钱包发起的交易请求，根据交易请求，对数字货币钱包执行充值及管理，包括兑入、兑出、密码管理、注销、应用更新、限额管理、小额免密管理、挂失解挂功能等。需要指出的是，本公开实施例中的数字货币钱包为准账户模式硬件钱包。具体地，准账户：基于准账户模式的数字人民币的含义是，运营机构以账户的形式记载数字人民币的价值，但不建立使用者身份与账户中的数字人民币价值间的关联关系。准账户模式的数字人民币产品针对不特定身份使用者发行，支付流程与账户模式一致。准账户模式硬件钱包的特点主要是以账户形式记载数字货币的价值，硬件载体内存储钱包特征协商信息，发行时不建立使用者身份与账户中的数字货币价值间的关联关系，可以通过所关联的母钱包为其充值，在终端上消费时可将消费金额回显在显示屏上。
具体地，在接收交易请求之后，方法还包括：
向数字货币钱包发送特征协商请求；接收数字货币钱包返回的交易参数；基于交易参数确定对应的交易模型；基于交易模型执行基于交易请求的交易进程。
示例的，如图5所示，执行主体(发起方，例如终端设备)向接收方，例如硬件钱包载体(即为本公开中的数字货币钱包中的硬件载体)发起特征协商，发送特征协商指令，进而向接收方(硬件钱包载体)发送选择应用标识Select AID，接收硬件钱包载体返回的响应Response，该响应Response中携带有交易参数，示例的可以是接收方(硬件钱包载体)选择的应用参数，例如可以包括表达式版本信息、应用版本信息、交易模型、终端类型、联网能力等参数。通过特征协商流程，可实现快速交易模型的选择。
本公开实施例中，数字货币钱包在执行交易前，加入特征协商机制进行版本协商、交互能力参数交换以及后续功能扩展，通过协商确定双方本次交易的特征，包括表达式版本信息、应用版本信息、交易模型、终端类型、联网能力等参数。通过特征协商流程，可实现快速交易模型选择。
步骤S102，基于特征协商信息，确定交易类型。
在特征协商信息中可以包括有售卖方所开立的数字货币钱包账户对应的运营机构标识G和购买方的数字货币钱包账户对应的运营机构标识H等信息。售卖方可以是商户，购买方可以是消费用户。特征协商信息，关联的对象具体可以是用户A对应的数字货币运营机构标识和与用户A发生交易的用户B对应的数字货币运营机构标识。当用户A对应的数字货币运营机构标识和与用户A发生交易的用户B对应的数字货币运营机构标识相同时，执行主体可以确定交易类型为同机构交易，当用户A对应的数字货币运营机构标识和与用户A发生交易的用户B对应的数字货币运营机构标识不相同时，执行主体可以确定交易类型为基于互联互通的交易。具体地，特征协商信息中还可以包含加密的付款金额、是否分期支付等信息，本公开实施例对特征协商信息所包含的内容不做具体限定。
示例的，当特征协商信息中的用户A对应的数字货币运营机构标识和与用户A发生交易的用户B对应的数字货币运营机构标识不相同时，执行的数字货币交易如下所示：用户A使用在a行开立数字货币钱包并从b行个人银行账户兑换了100元存入其中，然后通过数字钱包支付给了商户B，而商户B收款的数字钱包是在b行开立的，并被兑换回了B的b行个人银行账户。那么具体的资金流转可能是，A的数字货币运营机构a行先确认其数字货币银行库中的资金库存，向央行登记中心反馈信息之后，央行将100元数字货币的属主由a行资金库改 为用户A；用户A将100元支付给B时，B的数字货币运营机构b行先确认其数字货币银行资金库库存，并向央行登记中心反馈信息，登记中心将100元数字货币的属主由用户A改为用户B，用户B将100元存入b行银行账户时，b行向央行登记中心反馈信息，然后央行将100元数字货币从b行的数字货币银行库中注销并记录，恢复b行100元的数字货币兑换额度。
步骤S103，获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求。
当执行主体根据特征协商信息确定交易类型为基于互联互通的交易时，可以根据获取的交易请求对应的扣款金额，生成如图2所示的跨机构扣款申请的请求(也就是基于互联互通的交易请求)发送至互联互通平台。互联互通平台负责实现不同机构数字货币钱包的互联互通。
步骤S104，发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构。
执行主体在将基于互联互通的交易请求发送至互联互通平台后，可以通过互联互通平台转发基于互联互通的交易请求(即图2中的转发跨机构扣款申请)至待扣款的数字货币钱包对应的数字货币运营机构。在数字货币运营机构后台***存储有数字货币币串，用于进行数字货币的支付。
步骤S105，接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
执行主体在将基于互联互通的交易请求发送至数字货币运营机构后，可以接收数字货币运营机构返回的扣款信息，并通过可视屏等设备进行输出显示。
具体地，在接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息之后，方法还包括：获取扣款信息中的余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识；将余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识显示于可视屏。
可以理解的是，执行主体可以将余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识中的任意一种或几种显示于可视屏，并不需要全部显示。执行主体也可以获取用户的显示需求配置信息，根据用户的显示需求配置信息进行余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识中的一个或几个相应的信息的显示。余额，即为执行扣款的数字货币钱包在扣款后剩余的金额。
本公开实施例提供了一种数字货币交易方法，使用基于硬件载体的准账户模式数字货币，币串存储在数字货币运营机构后台，交易时只需受理终端联网。解决了币串存储的问题，以及用户隐私安全保护问题。用户在数字货币运营机构或代理商侧匿名办理本公开的数字货币钱包也即准账户模式数字货币硬件钱包。
本公开实施例的数字货币钱包在POS终端上碰一碰消费，基于NFC近场通讯协议，支持小额免密。在碰一碰消费时，卡面显示屏上会显示当前交易金额。POS终端读取到硬件载体内的信息后上送到后台***做付款请求，后台完成扣款处理后将结果原路返回至POS终端，POS终端做收款结果提示。硬件钱包与POS终端建立连接关系时需要先做特征协商，硬件钱包通过特征协商机制可实现快速交易模型选择，可缩短交易时间。
本实施例通过响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息；基于特征协商信息，确定交易类型；获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求；发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构；接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。通过从数字货币钱包的硬件载体中获取特征协商信息，基于特征协商信息，确定交易类型。基于交易类型执行前端和终端后台之间的请求转发、交易请求执行，使用不建立使用者身份与账户中的数字货币价值间的关联关系的数字货币钱包，同时以安全芯片为存储介质，可在POS终端上单离线交易，可通过终端做贴一贴读写管理。解决了前端存储币串的容量和算法能力限制。
图6是根据本公开第二实施例的数字货币交易方法的主要流程示意图，如图6所示，数字货币交易方法包括：
步骤S601，响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息。
步骤S602，基于特征协商信息，确定交易类型。
步骤S603，获取交易请求对应的扣款金额。
步骤S604，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求。
步骤S605，发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发 送至对应的数字货币运营机构。
步骤S601～步骤S605的原理与步骤S101～步骤S104的原理类似，此处不再赘述。
具体地，作为本公开实施例的另一种实现方式，在发送基于互联互通的交易请求至互联互通平台之前，方法还包括：
判断扣款金额是否超出免密限额，若是则展示密码输入界面，进而获取用户输入的密码，对获取的密码进行校验；
响应于校验通过，执行基于互联互通的交易请求发送进程或执行同机构交易请求发送进程。
执行主体在发送基于互联互通的交易请求至互联互通平台之前，可以首先判断扣款金额是否超出了用户设置的免密限额，如果超出，则需要用户在POS终端输入硬件钱包支付密码以进行进一步的付款验证，当验证通过后，执行基于互联互通的交易请求发送进程或执行同机构交易请求发送进程，进而将交易请求发送至数字货币运营机构，以供做扣款处理。
步骤S606，接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
步骤S606的原理与步骤S105的原理类似，此处不再赘述。
步骤S607，响应于交易类型为同机构交易，生成同机构交易请求。
步骤当执行主体基于特征协商信息判断其中的机构标识一致时，可以确定为同机构交易，生成同机构交易请求，即生成不经过互联互通平台直接发送至对应的数字货币运营机构的交易请求。
S608，发送同机构交易请求至对应的数字货币运营机构。
执行主体在生成同机构交易请求后，可以发送至特征协商信息中的运营机构标识所对应的数字货币运营机构。
步骤S609，接收数字货币运营机构基于同机构交易请求执行扣款后生成的扣款信息并输出。
在将同机构交易请求发送至对应的数字货币运营机构后，可以接收对应的数字货币运营机构返回的扣款信息，扣款信息中可以包括数字货币钱包的余额、运营机构标识、扣款金额等信息。执行主体可以将扣款信息通过语音播报形式输出，也可以将扣款信息通过显示屏输出。本公开实施例对扣款信息的输出方式不做具体限定。
本公开实施例通过根据特征协商信息确定的交易类型，相对应地生成交易请求，并通过互联互通平台或通过直接发送给对应的数字货币运营机构的方式执行数字货币钱包的扣款，无需人工线下选择交易请求发送方式，从而可以使得对数字货币钱包的扣款更智能、快捷。
图7是根据本公开第三实施例的数字货币交易方法的主要流程示意图。作为本公开的一个实施例，如图7所示，数字货币交易方法应用于数字货币运营机构，可以包括：
步骤S701，接收机构交易请求，进而根据机构交易请求确定对应的数字货币钱包余额和扣款金额。
本公开实施例的执行主体为数字货币运营机构。当数字货币运营机构接收到机构交易请求后，首先需要确定该机构交易请求对应的扣款金额，以及对应的数字货币钱包的余额。
步骤S702，确定数字货币钱包的类型，进而根据数字货币钱包的 类型、数字货币钱包余额和扣款金额执行对数字货币钱包的扣款，生成扣款信息并返回。
数字货币运营机构在接收到机构交易请求后，需要确定发送该交易请求的是终端还是互联互通平台。具体的确定方式可以为，获取机构交易请求中的发送方标识，例如可以是POS、HLHT等，分别标识POS终端、互联互通平台，根据发送方标识即可确定请求发送方的具体名称。在确定请求发送方后，可以确定出交易类型是同机构交易还是基于互联互通的交易进而生成对应的交易类型标识并保存备用。
数字货币运营机构在接收到机构交易请求后，还需要确定数字货币钱包的类型，判断是匿名领取、匿名使用的数字货币钱包还是实名绑定、实名使用的数字货币钱包。示例的，如图3所示，匿名领取、匿名使用的数字货币钱包在发行时归属在对公钱包下，实名绑定、实名使用的数字货币钱包发行后绑定至个人钱包下。对公钱包定义为法人和非法人机构根据临柜开立或远程开立确定交易和余额限额，并支持用户需求定制。个人钱包定义为自然人和个人工商户根据客户识别强度采用分类交易和余额限额管理。数字货币钱包在发行时可匿名办理、匿名使用，从而用户在使用过程中可选做实名绑定，具体为通过手机客户端APP一键绑定即可，方便快捷，可随时随地充值及管理。
具体地，数字货币钱包的类型还可以包括一类钱包(无限额)、二类钱包(单笔限额5万，仅为示例，本公开实施例对此不做限定)、三类钱包(单笔限额5000，仅为示例，本公开实施例对此不做限定)、四类钱包(单笔限额2000，仅为示例，本公开实施例对此不做限定)。数字货币钱包的类型还可以包括母钱包(主要钱包，类似于钱箱子)、子钱包(次要钱包，在母钱包下开设，类似于钱袋子。
个人子钱包支持限额支付、条件支付、个人隐私保护等功能；企业子钱包支持资金归属和分发、会计处理、财务管理等功能)。数字 货币钱包的类型还可以分为软钱包(软钱包的载体可以为APP、SDK等)和硬钱包(硬钱包的载体可以为IC卡、可穿戴设备、物联网设备等)。硬钱包即为装有硬件载体的钱包，即为本公开实施例重点描述的数字货币钱包。
本公开中的数字货币钱包(即准账户模式数字货币硬件钱包)提供一种以账户形式记载数字货币的价值、不建立使用者身份与账户中的数字货币价值间的关联关系的数字货币钱包，同时以安全芯片为存储介质，可在POS终端上单离线交易，可通过手机客户端做贴一贴读写管理。解决了前端存储币串的容量和算法能力限制，也能满足用户手机无网络侧时的使用问题。同时，用户可选匿名或实名使用，充分维护用户隐私权益。
当数字货币钱包为匿名领取、匿名使用的数字货币钱包时，绑定至对公钱包，可以根据用户需求定制对公钱包的余额。当数字货币运营机构对公钱包的余额不足以支付扣款金额时，则向终端返回余额不足抵扣信息，该余额不足抵扣信息中包括扣款金额与对公钱包的余额的差额信息，以提示使用终端的用户基于该差额信息向对公钱包充值，响应于检测到对公钱包的充值成功标识，再次发起基于扣款金额的对充值后的对公钱包的扣款，响应于扣款成功，向终端返回扣款成功信息并返回交易类型标识。
本公开实施例中的准账户模式数字货币硬件钱包相对于其它产品，在发行时不记名，可以匿名使用，更能满足用户隐私保护权益。准账户模式数字货币钱包对收付款双方的硬件设备要求不那么高，不要求必须支持高速的算法处理能力、以及大容量的存储空间，推广拓展更便利。相对于其它卡片等外设类产品，本公开实施例的数字货币钱包包可以通过手机客户端做贴一贴读写管理，增加了使用的便捷性。
图8是根据本公开第四实施例的数字货币交易方法的主要流程示 意图。作为本公开的一个实施例，如图8所示，数字货币交易方法应用于数字货币运营机构，可以包括：
步骤S801，接收机构交易请求，进而根据机构交易请求确定对应的数字货币钱包余额和扣款金额。
步骤S802，确定数字货币钱包的类型。
步骤S803，响应于数字货币钱包的类型为个人钱包。
当数字货币运营机构确定数字货币钱包的类型为个人钱包时，将该个人钱包确定为该数字货币钱包的母钱包，而该数字货币钱包则作为该母钱包的子钱包。母钱包可以向子钱包中进行充值。
步骤S804，判断扣款金额是否大于数字货币钱包余额。
扣款金额即为机构交易请求所请求扣款的金额。数字货币钱包余额即可以为购买方所开立的数字货币钱包中的剩余额度。数字货币运营机构可以判断扣款金额是否大于数字货币钱包余额，以确定是否需要进一步对数字货币钱包进行充值，以满足成功扣款需求。
步骤S805，若是则调用数字货币钱包关联的个人钱包(个人钱包即为对应的母钱包)以对数字货币钱包进行充值，对充值后的数字货币钱包执行扣款金额对应的扣款。
当执行主体确定扣款金额大于数字货币钱包余额时，表明数字货币钱包的余额不足以支付扣款金额，则需要从绑定的母钱包及其名下绑定的
步骤S806，若否则从数字货币钱包余额中扣除扣款金额。
本公开实施例的数字货币钱包支持与终端(例如手机客户端App) 贴一贴(可基于NFC近场通讯技术、以及蓝牙连接技术)与个人钱包建立绑定关系。绑定至个人钱包后，准账户模式转变为账户模式。绑定后即与个人钱包建立母子归属关系，个人钱包即为对应的母钱包，数字货币钱包即为子钱包。如图4所示，数字货币运营机构可通过手机客户端APP为硬件钱包(即本公开中的数字货币钱包)提供服务能力，将子钱包绑定至母钱包、对子钱包执行密码管理、注销、更新、限额管理、小额免密管理、挂失解挂等，同时也支持兑入或兑出至母钱包。本公开实施例的数字货币钱包单个钱包有余额上限要求，可以小额免密支付，也可以大额验密支付。绑定至个人钱包后即可跟随母钱包的限额。
当数字货币运营机构确定数字货币钱包的余额不足以支付扣款金额时，可以调用该数字货币钱包对应的母钱包进行充值，充值后再继续进行扣款。充值后，当扣款金额大于对应的母钱包的余额和该数字货币钱包的余额之和时，可以向终端返回扣款失败信息和交易类型标识。充值后，当该数字货币钱包的余额大于扣款金额时，基于该扣款金额执行对该充值后的数字货币钱包的扣款，并可以向终端返回扣款成功信息和交易类型标识。
步骤S807，生成扣款信息并返回。
具体地，生成扣款信息，包括：获取机构交易请求对应的发送方标识，进而根据发送方标识生成交易类型标识；确定执行扣款后的数字货币钱包的余额和充值金额；根据余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识生成扣款信息并返回。具体可以是返回至终端。
作为本公开的又一个实施例，本公开中的数字货币钱包是以账户的形式记载数字货币的价值、关联码存储于硬件载体内的实体钱包。硬件载体内的关联码作为交易时的验证凭证。数字货币钱包发行时不 记用户名，不建立使用者身份与账户中的数字货币价值间的关联关系。数字货币钱包归属在对公钱包下，对公钱包作为资产追溯和管理的节点。数字货币钱包有独立的钱包余额，钱包余额来源于所归属的母钱包以及母钱包下绑定的银行卡。数字货币钱包可在POS终端上碰一碰消费使用，通过近场NFC通讯协议建立连接。数字货币钱包可在线上收银台使用，通过近场通讯协议NFC技术建立连接，通过手机客户端的NFC读写模块建立连接，也可以输入钱包编号作为发送到后台的支付凭证。数字货币钱包支持特征协商机制，在硬件钱包执行交易前，加入了特征协商机制，进行版本协商、交互能力参数交换以及后续功能扩展，通过协商确定双方本次交易的特征，具体包括：表达式版本信息、应用版本信息、交易模型、终端类型、联网能力等参数。硬件钱包通过特征协商流程，可实现快速交易模型选择。数字货币钱包载体支持可视屏信息显示，在终端设备上交易时交易金额可回显在可视屏上。数字货币钱包到交易中使用到了交易计数器ATC+1机制，即每笔交易的交易计数器唯一，每次交易后计数器加一，用于交易时多端一致性的判断依据。数字货币钱包可以绑定至个人钱包，绑定时通过钱包编码ID校验是否为同一机构钱包，同时需要做是否超出钱包限额的判断。绑定后即可通过母钱包对硬件钱包做基础管理，包括数字货币的兑出兑回、密码管理、限额设置、挂失解挂等基础管理功能。数字货币钱包额管理需要满足母钱包余额与所有准账户模式硬件钱包余额之和应小于等于母钱包余额上限，母钱包向准账户模式硬件钱包充值需要在母钱包支付限额内，准账户模式硬件钱包交易时不再计入母钱包支付限额。数字货币钱包支持小额免密，免密额度存储在后台，用户可以在客户端侧操作开启或关闭。免密额度内的交易无需验证钱包支付密码，超出免密额度的需要用户在收款方终端设备上输入钱包支付密码。数字货币钱包使用国密SM2/SM3/SM4算法，硬件载体内按照“一卡一密”的原则存储密钥，使用密钥对钱包关联码以及交易金额信息进行加密，传到数字货币运营机构后台进行验证后执行扣款。
本公开实施例是以账户形式记载数字货币的价值、在硬件载体内 存储数字货币钱包的关联码，数字货币钱包发行时不建立使用者身份与账户中的数字货币价值间的关联关系，可以通过所关联的母钱包为其充值，在终端上消费时可将消费金额回显在显示屏上。受理终端(例如可以是POS终端或者是手机客户端APP)读取到数字货币钱包的硬件载体内的关联码后将交易申请请求发送到数字货币运营机构后台，数字货币运营机构后台经过加密处理发送到付款机构，付款机构接收到报文后做解密处理，并完成扣款处理，返回结果给到受理终端。数字货币钱包(即准账户模式硬件钱包)可以通过贴一贴与手机客户端APP建立连接，可以通过手机客户端读写管理(携带有硬件载体的)数字货币钱包。NFC：近场通信Near Field Communication，简称NFC。数字人民币：数字人民币是人民银行发行的数字形式的法定货币，由指定运营机构参与运营，以广义账户体系为基础，支持银行账户松耦合功能，与实物人民币等价，具有价值特征和法偿性。示例的，手机客户端通过NFC近场通讯协议与硬件载体建立链接，发送特定的APDU指令(APDU＝Application Protocol data unit,是智能卡与智能卡读卡器之间传送的信息单元)，向数字货币钱包内的硬件载体发送加密报文，硬件载体收到加密报文后进行相应处理，返回加密后到结果报文给到手机客户端，手机客户端将结果发送到数字货币运营机构后台，数字货币运营机构后台解密报文后做相应扣款处理，将扣款结果返回到手机客户端，手机客户端解析后给予用户提示，或者再次发送到数字货币钱包的硬件载体内。当然，手机客户端也可以替换为POS终端。本公开实施例对终端的类型不做具体限定。
图9是根据本公开实施例的数字货币交易装置的主要单元的示意图。如图9所示，数字货币交易装置包括接收单元901、交易类型确定单元902、请求生成单元903、发送单元904和输出单元905。
接收单元901，用于响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息。
交易类型确定单元902，用于基于特征协商信息，确定交易类型。
请求生成单元903，用于获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求。
发送单元904，用于发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构。
输出单元905，用于接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
在一些实施例中，请求生成单元903还用于：响应于交易类型为同机构交易，生成同机构交易请求；发送单元904还用于：发送至对应的数字货币运营机构；输出单元905还用于：接收数字货币运营机构基于同机构交易请求执行扣款后生成的扣款信息并输出。
在一些实施例中，装置还包括图9中未示出的校验单元，用于：判断扣款金额是否超出免密限额，若是则展示密码输入界面，进而获取用户输入的密码，对获取的密码进行校验；响应于校验通过，执行基于互联互通的交易请求发送进程或执行同机构交易请求发送进程。
在一些实施例中，装置还包括图9中未示出的连接单元，用于：通过近场通讯协议或蓝牙连接技术与数字货币钱包建立连接。
在一些实施例中，装置还包括图9中未示出的交易模型确定单元，用于：向数字货币钱包发送特征协商请求；接收数字货币钱包返回的交易参数；基于交易参数确定对应的交易模型；基于交易模型执行基于交易请求的交易进程。
在一些实施例中，装置还包括图9中未示出的显示单元，用于：获取扣款信息中的余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识；将余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识显示于可视屏。
需要说明的是，在本公开数字货币交易方法和数字货币交易装置在具体实施内容上具有相应关系，故重复内容不再说明。
图10是根据本公开实施例的数字货币交易装置的主要单元的示意图。如图10所示，数字货币交易装置包括接收单元1001和扣款执行单元1002。
接收单元1001，用于接收机构交易请求，进而根据机构交易请求确定对应的数字货币钱包余额和扣款金额；
扣款执行单元1002，用于确定数字货币钱包的类型，进而根据数字货币钱包的类型、数字货币钱包余额和扣款金额执行对数字货币钱包的扣款，生成扣款信息并返回。
在一些实施例中，扣款执行单元1002还用于：响应于数字货币钱包的类型为个人钱包，判断扣款金额是否大于数字货币钱包余额，若是则调用数字货币钱包关联的个人钱包以对数字货币钱包进行充值，对充值后的数字货币钱包执行扣款金额对应的扣款；若否则从数字货币钱包余额中扣除扣款金额。
在一些实施例中，扣款执行单元1002还用于：获取机构交易请求对应的发送方标识，进而根据发送方标识生成交易类型标识；确定执行扣款后的数字货币钱包的余额和充值金额；根据余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识生成扣款信息并返回。
需要说明的是，在本公开数字货币交易方法和数字货币交易装置在具体实施内容上具有相应关系，故重复内容不再说明。
附图中的流程图和框图，图示了按照本公开各种实施例的***、方法和计算机程序的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的***来实现，或者可以用专用硬件与计算机指令的组合来实现。
本公开实施例还公开了一种数字货币交易电子设备，数字货币交易电子设备可以包括：
一个或多个处理器；
存储装置，用于存储一个或多个程序，
当一个或多个程序被一个或多个处理器执行时，一个或多个处理器实现上述任一实施例的方法。
在具体实施中，数字货币交易电子设备可以设置于POS终端或者手机客户端APP，本公开实施例对数字货币交易电子设备的具体放置位置不做限定。
描述于本公开实施例中所涉及到的单元可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的单元也可以设置在处理器中，例如，可以描述为：一种处理器包括接收单元、交易类型确定单元、请求生成单元、发送单元和输出单元，其中，这些单元的名称 在某种情况下并不构成对该模块本身的限定。
描述于本公开实施例中所涉及到的单元可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的单元也可以设置在处理器中，例如，可以描述为：一种处理器包括接收单元和扣款执行单元，其中，这些单元的名称在某种情况下并不构成对该模块本身的限定。
作为另一方面，本公开还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，该设备实现如下方法：响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息；基于特征协商信息，确定交易类型；获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求；发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构；接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。计算机可读介质可以包括ROM、RAM、磁盘、光盘或者优盘等。
作为另一方面，本公开还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，该设备实现如下方法：接收机构交易请求，进而根据机构交易请求确定对应的数字货币钱包余额和扣款金额；确定数字货币钱包的类型，进而根据数字货币钱包的类型、数字货币钱包余额和扣款金额执行对数字货币钱包的扣款，生成扣款信息并返回。计算机可读介质可以包括ROM、RAM、磁盘、光盘或者优盘等。
根据本公开实施例的技术方案，通过响应于连接至数字货币钱包，接收交易请求，进而从数字货币钱包的硬件载体中获取特征协商信息；基于特征协商信息，确定交易类型；获取交易请求对应的扣款金额，响应于交易类型为基于互联互通的交易，基于扣款金额和特征协商信息生成基于互联互通的交易请求；发送基于互联互通的交易请求至互联互通平台，以通过互联互通平台调用对应的机构接口以将基于互联互通的交易请求发送至对应的数字货币运营机构；接收数字货币运营机构基于基于互联互通的交易请求执行扣款后生成的扣款信息并输出。通过从数字货币钱包的硬件载体中获取特征协商信息，基于特征协商信息，确定交易类型。基于交易类型执行前端和终端后台之间的请求转发、交易请求执行，使用不建立使用者身份与账户中的数字货币价值间的关联关系的数字货币钱包，同时以安全芯片为存储介质，可在POS终端上单离线交易，可通过终端做贴一贴读写管理。解决了前端存储币串的容量和算法能力限制。
上述具体实施方式，并不构成对本公开保护范围的限制。本领域技术人员应该明白的是，取决于设计要求和其他因素，可以发生各种各样的修改、组合、子组合和替代。任何在本公开的精神和原则之内所作的修改、等同替换和改进等，均应包含在本公开保护范围之内。

Claims (20)

  1. 一种数字货币交易方法，应用于终端，包括：
    响应于连接至数字货币钱包，接收交易请求，进而从所述数字货币钱包的硬件载体中获取特征协商信息；
    基于所述特征协商信息，确定交易类型；
    获取所述交易请求对应的扣款金额，响应于所述交易类型为基于互联互通的交易，基于所述扣款金额和所述特征协商信息生成基于互联互通的交易请求；
    发送所述基于互联互通的交易请求至互联互通平台，以通过所述互联互通平台调用对应的机构接口以将所述基于互联互通的交易请求发送至对应的数字货币运营机构；
    接收所述数字货币运营机构基于所述基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
  2. 根据权利要求1所述的方法，其中，在所述基于所述扣款金额和所述特征协商信息生成基于互联互通的交易请求之前，所述方法还包括：
    响应于所述交易类型为同机构交易，生成同机构交易请求；
    发送所述同机构交易请求至对应的数字货币运营机构；
    接收所述数字货币运营机构基于所述同机构交易请求执行扣款后生成的扣款信息并输出。
  3. 根据权利要求1或2所述的方法，其中，在所述发送所述基于互联互通的交易请求至互联互通平台之前，所述方法还包括：
    判断所述扣款金额是否超出免密限额，若是则展示密码输入界面，进而获取用户输入的密码，对获取的密码进行校验；
    响应于校验通过，执行基于互联互通的交易请求发送进程或执行同机构交易请求发送进程。
  4. 根据权利要求1所述的方法，其中，在接收交易请求之前，所述方法还包括：
    通过近场通讯协议或蓝牙连接技术与数字货币钱包建立连接。
  5. 根据权利要求1所述的方法，其中，在接收交易请求之后，所述方法还包括：
    向数字货币钱包发送特征协商请求；
    接收数字货币钱包返回的交易参数；
    基于所述交易参数确定对应的交易模型；
    基于所述交易模型执行基于所述交易请求的交易进程。
  6. 根据权利要求1-6中任一项所述的方法，其中，在所述接收所述数字货币运营机构基于所述基于互联互通的交易请求执行扣款后生成的扣款信息之后，所述方法还包括：
    获取所述扣款信息中的余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识；
    将所述余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识显示于可视屏。
  7. 一种数字货币交易方法，应用于数字货币运营机构，包括：
    接收机构交易请求，进而根据所述机构交易请求确定对应的数字货币钱包余额和扣款金额；
    确定数字货币钱包的类型，进而根据所述数字货币钱包的类型、所述数字货币钱包余额和所述扣款金额执行对所述数字货币钱包的扣款，生成扣款信息并返回。
  8. 根据权利要求7所述的方法，其中，所述根据所述数字货币钱包的类型、所述数字货币钱包余额和所述扣款金额执行对所述数字货币钱包的扣款，包括：
    响应于所述数字货币钱包的类型为个人钱包，判断所述扣款金额 是否大于所述数字货币钱包余额，
    若是则调用所述数字货币钱包关联的个人钱包以对所述数字货币钱包进行充值，对充值后的数字货币钱包执行所述扣款金额对应的扣款；
    若否则从所述数字货币钱包余额中扣除所述扣款金额。
  9. 根据权利要求7所述的方法，其中，所述生成扣款信息，包括：
    获取所述机构交易请求对应的发送方标识，进而根据所述发送方标识生成交易类型标识；
    确定执行扣款后的所述数字货币钱包的余额和充值金额；
    根据所述余额、所述充值金额、所述扣款金额、所述数字货币钱包的类型和所述交易类型标识生成扣款信息并返回。
  10. 一种数字货币交易装置，设置于终端，包括：
    接收单元，用于响应于连接至数字货币钱包，接收交易请求，进而从所述数字货币钱包的硬件载体中获取特征协商信息；
    交易类型确定单元，用于基于所述特征协商信息，确定交易类型；
    请求生成单元，用于获取所述交易请求对应的扣款金额，响应于所述交易类型为基于互联互通的交易，基于所述扣款金额和所述特征协商信息生成基于互联互通的交易请求；
    发送单元，用于发送所述基于互联互通的交易请求至互联互通平台，以通过所述互联互通平台调用对应的机构接口以将所述基于互联互通的交易请求发送至对应的数字货币运营机构；
    输出单元，用于接收所述数字货币运营机构基于所述基于互联互通的交易请求执行扣款后生成的扣款信息并输出。
  11. 根据权利要求10所述的装置，其中，
    所述请求生成单元还用于：响应于所述交易类型为同机构交易，生成同机构交易请求；
    所述发送单元还用于：发送至对应的数字货币运营机构；
    所述输出单元还用于：接收所述数字货币运营机构基于所述同机构交易请求执行扣款后生成的扣款信息并输出。
  12. 根据权利要求10或11所述的装置，其中，所述装置还包括校验单元，用于：
    判断所述扣款金额是否超出免密限额，若是则展示密码输入界面，进而获取用户输入的密码，对获取的密码进行校验；
    响应于校验通过，执行基于互联互通的交易请求发送进程或执行同机构交易请求发送进程。
  13. 根据权利要求10所述的装置，其中，所述装置还包括连接单元，用于：
    通过近场通讯协议或蓝牙连接技术与数字货币钱包建立连接。
  14. 根据权利要求10所述的装置，其中，所述装置还包括交易模型确定单元，用于：
    向数字货币钱包发送特征协商请求；
    接收数字货币钱包返回的交易参数；
    基于所述交易参数确定对应的交易模型；
    基于所述交易模型执行基于所述交易请求的交易进程。
  15. 根据权利要求10-14中任一项所述的装置，其中，所述装置还包括显示单元，用于：
    获取所述扣款信息中的余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识；
    将所述余额、充值金额、扣款金额、数字货币钱包的类型和交易类型标识显示于可视屏。
  16. 一种数字货币交易装置，设置于数字货币运营机构，包括：
    接收单元，用于接收机构交易请求，进而根据所述机构交易请求 确定对应的数字货币钱包余额和扣款金额；
    扣款执行单元，用于确定数字货币钱包的类型，进而根据所述数字货币钱包的类型、所述数字货币钱包余额和所述扣款金额执行对所述数字货币钱包的扣款，生成扣款信息并返回。
  17. 根据权利要求16所述的装置，其中，所述扣款执行单元还用于：
    响应于所述数字货币钱包的类型为个人钱包，判断所述扣款金额是否大于所述数字货币钱包余额，
    若是则调用所述数字货币钱包关联的个人钱包以对所述数字货币钱包进行充值，对充值后的数字货币钱包执行所述扣款金额对应的扣款；
    若否则从所述数字货币钱包余额中扣除所述扣款金额。
  18. 根据权利要求16所述的装置，其中，所述扣款执行单元还用于：
    获取所述机构交易请求对应的发送方标识，进而根据所述发送方标识生成交易类型标识；
    确定执行扣款后的所述数字货币钱包的余额和充值金额；
    根据所述余额、所述充值金额、所述扣款金额、所述数字货币钱包的类型和所述交易类型标识生成扣款信息并返回。
  19. 一种数字货币交易电子设备，其中，包括：
    一个或多个处理器；
    存储装置，用于存储一个或多个程序，
    当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现如权利要求1-9中任一所述的方法。
  20. 一种计算机可读介质，其上存储有计算机程序，其中，所述程序被处理器执行时实现如权利要求1-9中任一所述的方法。
PCT/CN2022/134773 2021-12-31 2022-11-28 数字货币交易方法、装置、电子设备及计算机可读介质 WO2023124695A1 (zh)

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CN111144862A (zh) * 2019-12-31 2020-05-12 深圳四方精创资讯股份有限公司 数字货币双离线支付的实现方法、装置、设备、存储介质
CN113128983A (zh) * 2021-03-18 2021-07-16 西安艾润物联网技术服务有限责任公司 数字货币的支付方法、电子设备和计算机存储介质
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