Digital currency transaction method and device, electronic equipment and readable storage medium
阅读说明：本技术 一种数字货币交易方法、装置、电子设备和可读存储介质 (Digital currency transaction method and device, electronic equipment and readable storage medium ) 是由 陈盘中 王庆华 于 2021-06-10 设计创作，主要内容包括：本发明实施例提供了一种数字货币交易方法、装置、电子设备和可读存储介质,所述方法包括：在采用第一数字货币钱包进行数字货币交易的过程中,确定用于审核当前交易业务的第二数字货币钱包；向所述第二数字货币钱包发送针对所述当前交易业务的待审核信息,并获取审核结果；根据所述审核结果,确定是否对所述当前交易业务对应的交易账户进行支付交割。根据本发明实施例,提供一种能够自动进行审批的数字货币交易方法,在审批流程完成后,才可以进入支付流程,实现了数字货币交易过程中审批流程和支付流程的一体自动化处理。(The embodiment of the invention provides a digital currency transaction method, a device, electronic equipment and a readable storage medium, wherein the method comprises the following steps: determining a second digital currency wallet for auditing current transaction traffic during a digital currency transaction using the first digital currency wallet; sending information to be checked aiming at the current transaction business to the second digital currency wallet, and acquiring a checking result; and determining whether to carry out payment delivery on the transaction account corresponding to the current transaction service according to the auditing result. According to the digital currency transaction method capable of automatically carrying out approval, the payment process can be entered after the approval process is completed, and the integrated automatic processing of the approval process and the payment process in the digital currency transaction process is realized.)
1. A method of digital currency transactions, the method comprising:
determining a second digital currency wallet for auditing current transaction traffic during a digital currency transaction using the first digital currency wallet;
sending information to be checked aiming at the current transaction business to the second digital currency wallet, and acquiring a checking result;
and determining whether to carry out payment delivery on the transaction account corresponding to the current transaction service according to the auditing result.
2. The method of claim 1, wherein determining the second digital currency wallet for auditing current transaction traffic comprises:
acquiring the transaction amount of the current transaction service;
if the transaction amount is larger than a preset transaction amount threshold value, judging that the current transaction service is the transaction service needing to be audited;
and determining the second digital currency wallet corresponding to the transaction amount and used for auditing the current transaction service from preset transaction rules.
3. The method of claim 1, wherein sending the to-be-audited information for the current transaction to the second digital money wallet comprises:
determining an audit sequence for the second digital currency wallet;
and sequentially sending the information to be audited aiming at the current transaction business to each second digital currency wallet according to the auditing sequence.
4. The method according to claim 1, wherein the information to be audited includes transaction information, audit list information and first signature information of the current transaction; and the first signature information is audited by the first digital currency wallet, and is generated after the audit is passed.
5. The method according to claim 1 or 3, wherein the determining whether to perform payment delivery on the transaction account corresponding to the current transaction service according to the audit result comprises:
if the second digital currency purses pass the verification and the signature is successful, payment delivery is carried out on the transaction account corresponding to the current transaction business;
and if one of the second digital money purses fails to be audited and/or one of the second digital money purses fails to be signed, generating a transaction failure message aiming at the current transaction service, and sending the transaction failure message to the second digital money purse which passes the audit and succeeds in signing.
6. The method of claim 5, wherein the payment transaction for the transaction account corresponding to the current transaction service if the respective second digital currency wallet passes the audit and the signature is successful comprises:
if the second digital money purses pass the verification and the signature is successful, verifying the queue verification information returned by the last second digital money purse;
and after the verification is passed, payment delivery is carried out on the transaction account corresponding to the current transaction service.
7. The method of claim 6, wherein the queue audit information includes signature information for each second digital money wallet; the signature information of the nth second digital currency wallet is generated by performing hash operation on the information to be audited and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet by adopting a preset hash algorithm and encrypting a hash result obtained by the operation by using a private key; wherein n is a positive integer.
8. The method of claim 7, wherein verifying the queue audit information returned by the last second digital money wallet comprises:
obtaining a public key of each second digital money wallet;
and sequentially adopting the public keys of the second digital money purses to decrypt the signature information of the second digital money purses respectively from the last second digital money purse according to the reverse order of the signature, and respectively verifying the decrypted signature information.
9. The method of claim 5, wherein after the payment delivery is performed on the transaction account corresponding to the current transaction service, the method further comprises:
and after receiving the transaction results aiming at the current transaction service, sequentially sending the transaction results to each second digital currency wallet for auditing.
10. The method of claim 1, wherein the first digital money wallet and the second digital money wallet are hardware wallets, and wherein the first digital money wallet and the second digital money wallet communicate via short-range wireless communication or network communication.
11. A digital currency transaction apparatus, said apparatus comprising:
the first determining module is used for determining a second digital currency wallet used for auditing the current transaction business in the process of conducting digital currency transaction by adopting the first digital currency wallet;
the first sending module is used for sending the information to be audited aiming at the current transaction business to the second digital currency wallet and obtaining the audit result;
and the second determining module is used for determining whether to carry out payment delivery on the transaction account corresponding to the current transaction service according to the auditing result.
12. An electronic device, comprising: a processor, a memory and a computer program stored on the memory and operable on the processor, the computer program when executed by the processor implementing the steps of a digital currency transaction method as claimed in any one of claims 1 to 10.
13. A computer-readable storage medium, on which a computer program is stored which, when executed by a processor, carries out the steps of a method of digital money transactions according to any one of claims 1-10.
Technical Field
The present invention relates to the field of digital currency technologies, and in particular, to a digital currency transaction method, a digital currency transaction apparatus, an electronic device, and a computer-readable storage medium.
Background
In the current transaction process using digital currency, if the transaction needs to be checked, such as financial checking, the auditing personnel still need to perform approval according to the approval process on line by an auditor, and then perform transaction payment using digital currency on line, which is complicated to operate. The existing digital currency transaction technology does not integrate an automatic approval function.
Disclosure of Invention
In view of the above problems, embodiments of the present invention have been made to provide a digital money transaction method and a corresponding digital money transaction apparatus, an electronic device, and a computer-readable storage medium that overcome or at least partially address the above problems.
The embodiment of the invention discloses a digital currency transaction method, which comprises the following steps:
determining a second digital currency wallet for auditing current transaction traffic during a digital currency transaction using the first digital currency wallet;
sending information to be checked aiming at the current transaction business to the second digital currency wallet, and acquiring a checking result;
and determining whether to carry out payment delivery on the transaction account corresponding to the current transaction service according to the auditing result.
Optionally, the determining a second digital currency wallet for auditing current transaction traffic comprises:
acquiring the transaction amount of the current transaction service;
if the transaction amount is larger than a preset transaction amount threshold value, judging that the current transaction service is the transaction service needing to be audited;
and determining the second digital currency wallet corresponding to the transaction amount and used for auditing the current transaction service from preset transaction rules.
Optionally, the sending to-be-audited information for the current transaction to the second digital money wallet includes:
determining an audit sequence for the second digital currency wallet;
and sequentially sending the information to be audited aiming at the current transaction business to each second digital currency wallet according to the auditing sequence.
Optionally, the information to be audited includes transaction information, audit list information and first signature information of the current transaction service; and the first signature information is audited by the first digital currency wallet, and is generated after the audit is passed.
Optionally, the determining whether to perform payment delivery on the transaction account corresponding to the current transaction service according to the audit result includes:
if the second digital currency purses pass the verification and the signature is successful, payment delivery is carried out on the transaction account corresponding to the current transaction business;
and if one of the second digital money purses fails to be audited and/or one of the second digital money purses fails to be signed, generating a transaction failure message aiming at the current transaction service, and sending the transaction failure message to the second digital money purse which passes the audit and succeeds in signing.
Optionally, if each second digital money wallet passes the audit and the signature is successful, performing payment delivery on the transaction account corresponding to the current transaction service, including:
if the second digital money purses pass the verification and the signature is successful, verifying the queue verification information returned by the last second digital money purse;
and after the verification is passed, payment delivery is carried out on the transaction account corresponding to the current transaction service.
Optionally, the queue audit information comprises signature information for each second digital currency wallet; the signature information of the nth second digital currency wallet is generated by performing hash operation on the information to be audited and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet by adopting a preset hash algorithm and encrypting a hash result obtained by the operation by using a private key; wherein n is a positive integer.
Optionally, the verifying queue audit information returned by the last second digital money wallet includes:
obtaining a public key of each second digital money wallet;
and sequentially adopting the public keys of the second digital money purses to decrypt the signature information of the second digital money purses respectively from the last second digital money purse according to the reverse order of the signature, and respectively verifying the decrypted signature information.
Optionally, after the payment delivery is performed on the transaction account corresponding to the current transaction service, the method further includes:
and after receiving the transaction results aiming at the current transaction service, sequentially sending the transaction results to each second digital currency wallet for auditing.
Optionally, the first digital money wallet and the second digital money wallet are hardware wallets, and the first digital money wallet and the second digital money wallet communicate with each other in a short-distance wireless communication mode or a network communication mode.
The embodiment of the invention also discloses a digital currency transaction device, which comprises:
the first determining module is used for determining a second digital currency wallet used for auditing the current transaction business in the process of conducting digital currency transaction by adopting the first digital currency wallet;
the first sending module is used for sending the information to be audited aiming at the current transaction business to the second digital currency wallet and obtaining the audit result;
and the second determining module is used for determining whether to carry out payment delivery on the transaction account corresponding to the current transaction service according to the auditing result.
Optionally, the first determining module includes:
the acquisition submodule is used for acquiring the transaction amount of the current transaction service;
the judging submodule is used for judging that the current transaction service is the transaction service needing to be checked if the transaction amount is larger than a preset transaction amount threshold value;
and the first determining submodule is used for determining the second digital currency wallet which corresponds to the transaction amount and is used for auditing the current transaction business from a preset transaction rule.
Optionally, the first sending module includes:
a second determining submodule for determining an audit sequence of the second digital money wallet;
and the sending submodule is used for sequentially sending the information to be audited aiming at the current transaction business to each second digital currency wallet according to the auditing sequence.
Optionally, the information to be audited includes transaction information, audit list information and first signature information of the current transaction service; and the first signature information is audited by the first digital currency wallet, and is generated after the audit is passed.
Optionally, the second determining module includes:
the payment delivery sub-module is used for carrying out payment delivery on the transaction account corresponding to the current transaction business if each second digital currency wallet passes the verification and is signed successfully;
and the generation submodule is used for generating a transaction failure message aiming at the current transaction business if one of the second digital currency purses fails to be audited and/or one of the second digital currency purses fails to be signed, and sending the transaction failure message to the second digital currency purse which passes the audit and succeeds in signature.
Optionally, the payment delivery submodule includes:
the verification unit is used for verifying the queue verification information returned by the last second digital money wallet if each second digital money wallet passes verification and the signature is successful;
and the payment delivery unit is used for performing payment delivery on the transaction account corresponding to the current transaction service after the verification is passed.
Optionally, the queue audit information comprises signature information for each second digital currency wallet; the signature information of the nth second digital currency wallet is generated by performing hash operation on the information to be audited and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet by adopting a preset hash algorithm and encrypting a hash result obtained by the operation by using a private key; wherein n is a positive integer.
Optionally, the verification unit includes:
an acquisition subunit operable to acquire a public key of each of the second digital money purses;
and the verification subunit is used for sequentially adopting the public keys of the second digital money purses to respectively decrypt the signature information of the second digital money purses according to the reverse order of the signature from the last second digital money purse, and respectively verifying the decrypted signature information.
Optionally, the apparatus further comprises:
and the second sending module is used for sending the transaction results to each second digital currency wallet for auditing in sequence after receiving the transaction results aiming at the current transaction service.
Optionally, the first digital money wallet and the second digital money wallet are hardware wallets, and the first digital money wallet and the second digital money wallet communicate with each other in a short-distance wireless communication mode or a network communication mode.
The embodiment of the invention also discloses an electronic device, which comprises: a processor, a memory and a computer program stored on the memory and capable of running on the processor, the computer program when executed by the processor implementing the steps of a digital currency transaction method as described above.
An embodiment of the invention also discloses a computer readable storage medium, on which a computer program is stored, which when executed by a processor implements the steps of a digital money transaction method as described above.
The embodiment of the invention has the following advantages:
in the embodiment of the invention, in the process of conducting digital currency transaction, a digital currency wallet for auditing the transaction can be determined, and whether the payment of the digital currency is completed or not can be determined according to the auditing result. By adopting the method, the digital currency transaction method capable of automatically carrying out approval is provided, the payment process can be entered after the approval process is completed, and the integrated automatic processing of the approval process and the payment process in the digital currency transaction process is realized.
Drawings
FIG. 1 is a flow chart of the steps of a method of digital currency transaction in accordance with an embodiment of the present invention;
FIG. 2 is a flow chart of steps of another digital currency transaction method of an embodiment of the present invention;
fig. 3 is a block diagram showing a configuration of a digital money transaction apparatus according to an embodiment of the present invention.
Detailed Description
In order to make the aforementioned objects, features and advantages of the present invention comprehensible, embodiments accompanied with figures are described in detail below, and it is apparent that the described embodiments are only a part of the embodiments of the present invention, not all of them. All other embodiments that can be derived by one of ordinary skill in the art from the embodiments given herein are intended to be within the scope of the present invention.
The existing digital currency transaction technology can only execute a simple cashier function, does not effectively integrate with a financial function, and needs human intervention to complete a transaction process in most transaction scenes. For example, in a transaction scenario in which payment can be performed only after approval, an auditor is still required to perform approval according to an approval process on line, and then transaction payment can be performed on line by using digital currency, which is complicated to operate.
One of the core ideas of the embodiment of the invention is that in the process of conducting digital currency transaction, a digital currency wallet for auditing the transaction can be determined, and whether the payment of the digital currency is completed or not can be determined according to the auditing result. By adopting the method, the digital currency transaction method capable of automatically carrying out approval is provided, the payment process can be entered after the approval process is completed, and the integrated automatic processing of the approval process and the payment process in the digital currency transaction process is realized.
Referring to fig. 1, a flow chart illustrating steps of a digital currency transaction method according to an embodiment of the present invention may specifically include the following steps:
in step 101, during a digital money transaction using a first digital money wallet, a second digital money wallet is determined for auditing current transaction traffic.
In the embodiment of the present invention, the digital money wallet may include a hardware wallet, which may be a wallet for storing actual digital money, the digital money is a string of characters generated according to a certain encryption mechanism, and for digital money issued by the chinese national bank, the string of characters may represent a certain amount of renminbi. The hardware wallet can comprise various types, such as a visible Bluetooth IC card form, an IC card form, a mobile phone-eSE card form, a mobile phone-secure SD card form, a mobile phone-SIM card form and the like. In one embodiment, the digital currency wallet may include digital currency chip cards, which may include the various forms of cards described above. The first digital money wallet may be a digital money wallet owned by a current user, and when the user uses the first digital money wallet to perform a digital money transaction, it may be determined whether a current transaction service needs to be audited, and if the current transaction service is a transaction service that needs to be audited, a second digital money wallet used for auditing the current transaction service may be determined.
It should be noted that the first digital money wallet and the second digital money wallet are for the current transaction service, and when performing other transaction services, the first digital money wallet may also be used for auditing, and the second digital money wallet may also be used for performing transaction services.
And 102, sending information to be checked aiming at the current transaction service to the second digital money wallet, and acquiring a checking result.
In the embodiment of the present invention, after the second digital money wallet for auditing is determined, to-be-audited information corresponding to the current transaction service may be sent to the second digital money wallet, and after the second digital money wallet receives the to-be-audited information, the to-be-audited information may be audited, and a corresponding audit result may be obtained, and the first digital money wallet may obtain the audit result of the second digital money wallet.
And 103, determining whether to carry out payment delivery on the transaction account corresponding to the current transaction service according to the auditing result.
In the embodiment of the invention, if the audit result is that the audit is passed, the payment delivery of the transaction account corresponding to the current transaction service can be executed; and if the verification result is that the verification is not passed, not executing payment delivery of the transaction account corresponding to the current transaction service.
In summary, in the embodiment of the present invention, during the process of performing the digital currency transaction, the digital currency wallet for auditing the transaction may be determined, and whether to complete payment of the digital currency is determined according to the auditing result. By adopting the method, the digital currency transaction method capable of automatically carrying out approval is provided, the payment process can be entered after the approval process is completed, and the integrated automatic processing of the approval process and the payment process in the digital currency transaction process is realized.
Referring to fig. 2, a flow chart illustrating steps of another digital currency transaction method according to an embodiment of the present invention may specifically include the following steps:
in step 201, during a digital money transaction using a first digital money wallet, a second digital money wallet for auditing current transaction traffic is determined.
In one example, the first digital money wallet and the second digital money wallet are hardware wallets, and the first digital money wallet and the second digital money wallet can communicate with each other through a short-distance wireless communication mode (including NFC, infrared rays or Bluetooth) or a network communication mode (including a local area network, an Internet network and the like).
In an embodiment of the present invention, an approval process may be set in a media program of an internal chip of the first digital money wallet, and if the current transaction service meets a preset condition, the approval process is triggered to determine a second digital money wallet for auditing the current transaction service.
For step 201, the following sub-steps may be performed:
and a substep S11 of obtaining the transaction amount of the current transaction service.
And a substep S12, if the transaction amount is larger than a preset transaction amount threshold value, determining that the current transaction service is the transaction service needing to be checked.
And a substep S13 of determining from preset transaction rules the second digital money wallet corresponding to the transaction amount for auditing the current transaction.
In an embodiment of the present invention, the transaction amount of the current transaction service may be obtained, and whether the current transaction service is a transaction service that needs to be checked or not is determined according to the value of the transaction amount. For example, the transaction amount threshold may be set to be 5 thousands in advance, and if the transaction amount of the current transaction service is 6 thousands, it may be determined that the current transaction service needs to be checked before payment delivery can be performed.
Preferably, a transaction rule may be preset in an internal chip of the first digital money wallet, a mapping relationship between the transaction amount and the second digital money wallet for auditing is stored in the transaction rule, and the second digital money wallet for auditing, which corresponds to the transaction amount of the current transaction service, may be obtained from the preset transaction rule.
The transaction rules may also store conditional restrictions on various transaction services, and the conditional restrictions may be on the transaction service before the first digital currency wallet sends a digital currency transaction instruction to the digital rmb server, or before the first digital currency wallet sends a digital currency transaction instruction to another digital currency wallet or a transaction system (banking system) in an offline state, or before other operations are performed, which may change the account balance in the first digital currency wallet. For example, it may be arranged that when the transaction amount is greater than or equal to a preset transaction amount threshold, additional second digital money wallet authorizations are required; or when the first digital currency wallet executes transaction service, tax deduction is required to be performed according to transaction types every time, and the tax deduction amount directly enters a corresponding tax account; or, the transaction business carried out on the digital money wallet or transaction account suspected of money laundering is directly judged to be illegal, and the transfer of the funds governed by the first digital money wallet into the digital money wallet or transaction account can be refused.
The transaction rule may be a media program of the first digital money wallet, and when the first digital money wallet performs a transaction, it may be determined whether a current transaction is legal according to a preset transaction rule. The first digital money wallet is preconditioned to execute the preset transaction rules before sending the digital money transaction instructions to the digital money service system.
It should be noted that, the above method for determining whether the current transaction service is a transaction service that needs to be checked is only one of the determination methods, and a person skilled in the art may also determine in other manners according to actual situations, and therefore, the embodiment of the present invention is not limited specifically.
Step 202, sending the information to be checked for the current transaction service to the second digital money wallet, and obtaining the checking result.
In implementations of the invention, the first digital money wallet may send to the second digital money wallet information to be audited for the current transaction. In a preferred embodiment, the information to be audited includes transaction information of the current transaction service, audit list information and first signature information; the transaction information may include a transaction amount, a transaction account, a transaction reason, a transaction deadline, and the like; the audit list information is queue information for auditing the current transaction, and may include an identifier (e.g., ID or IP address) of the second digital money wallet, an audit order of the second digital money wallet, and the like; the first signature information is generated after the transaction information is audited by the first digital currency wallet. In one example, the first digital currency wallet may pre-review transaction information for a current transaction and sign after the pre-review passes. The first signature information is used to indicate that the transaction information was generated and confirmed by the first digital money wallet, and the second digital money wallet, which facilitates subsequent auditing, confirms the source of the transaction information.
For step 202, the following sub-steps may be performed:
and sub-step S21 of determining an audit sequence for the second digital money wallet.
And a substep S22, sequentially sending the information to be audited for the current transaction service to each second digital money wallet according to the auditing sequence.
In the embodiment of the present invention, an audit sequence of the second digital money wallet may be determined from the audit list information, and information to be audited is sequentially sent to the second digital money wallet according to the audit sequence.
In an example, the second digital money wallet may audit the information to be audited, and perform signature after the audit is passed, where a certain second digital money wallet in the audit queue may be automatically sent to the next second digital money wallet in the audit queue to be audited and signed after being audited and signed; or after one second digital money purse in the audit queue is audited and signed, the audit completion information is firstly sent to the first digital money purse for verification, and then sent to the next second digital money purse in the audit queue for auditing and signing.
And step 203, if the second digital currency purses pass the verification and the signatures are successful, performing payment delivery on the transaction account corresponding to the current transaction service.
In the embodiment of the invention, if each second digital currency wallet passes the verification and the signature is successful, a digital currency transaction instruction can be sent to the digital RMB server, so that the payment and delivery of a transaction account corresponding to the current transaction service are realized.
For step 203, the following sub-steps may be performed:
and a substep S31 of verifying the queue audit information returned by the last second digital money wallet if each second digital money wallet verifies that the audit passed and the signature was successful.
In the embodiment of the invention, if all the second digital money purses pass the verification and the signature is successful, the queue verification information returned by the last second digital money purse is obtained, and the queue verification information is verified.
In one example, the queue audit information includes signature information for each second digital money wallet; the signature information of the nth second digital currency wallet is generated by performing hash operation on the information to be audited and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet by adopting a preset hash algorithm and encrypting a private key on a hash result obtained by the operation; wherein n is a positive integer. In an embodiment of the present invention, prior signature information may be signed. In addition, the queue audit information may further include an audit result corresponding to each second digital money wallet.
In another example, the auditing of the second digital currency wallet may include auditing whether an owner of the digital currency for the transaction coincides with an owner of the first digital currency wallet and auditing whether a transaction amount of the current transaction matches a monetary value of the digital currency for the transaction.
In addition, the audit content of the second digital currency wallet may also include the verification of prior signature information. The verification process may refer to a process of verifying the queue audit information by the first digital money wallet, which is not described herein again.
In one embodiment of the invention, verifying the queue audit information returned by the last second digital money wallet comprises:
obtaining a public key of each second digital money wallet; and sequentially adopting the public keys of the second digital money purses to decrypt the signature information of the second digital money purses respectively from the last second digital money purse according to the reverse order of the signature, and respectively verifying the decrypted signature information.
In the embodiment of the invention, the queue audit information comprises signature information of each second digital currency wallet, transaction information of current transaction service, audit list information, first signature information and the like. The first digital currency wallet may verify the above. The first digital money wallet may further obtain a public key of each second digital money wallet, and from the last second digital money wallet, in reverse order of the signature of the second digital money wallet, after decrypting the signature information of each second digital money wallet with the public key, check each signature information separately to determine the accuracy and signature identity of each signed second digital money wallet signature.
And a substep S32, after the verification is passed, carrying out payment delivery on the transaction account corresponding to the current transaction service.
In an embodiment of the invention, payment delivery can be performed after the first digital currency wallet is verified and signed. The signature is carried out after the verification of the first digital currency wallet, so that each second digital currency wallet in the verification queue is ensured to be signed, the fact that the second digital currency wallet is subjected to regret and refusal after the fact that the second digital currency wallet is subjected to the verification is prevented, and the integrity of the signature queue is ensured.
Preferably, after the first digital money wallet is verified and signed, the transaction information and all signature information (including the signature of the first digital money wallet twice and/or the signature of all second digital money wallets) of the current transaction may be sent to each second digital money wallet for storage or uploaded to the private chain of the blockchain for storage as a stub.
In order to make the signature process of each digital money wallet of the present application better understood by those skilled in the art, the following description is made with an example:
assume that a company's first digital currency wallet is P and there are three additional second digital currency wallets for auditing current transaction transactions, in turn A, B and C. And if the transaction information of the current transaction service in the information to be audited is M, the audit list information is N, and the information after being signed by the A-B-C is as follows:
p-signed message (M + N) + SignP (M + N);
a-signed message ═ M + N) + P-signed message + SignA (P-signed message);
b-signed message is (M + N) + P-signed message + a-signed message + SignB (a-signed message);
c-signed message ═ M + N) + P-signed message + a-signed message + B-signed message + SignC (B-signed message);
the last P-signed message is (M + N) + P-signed message + a-signed message + B-signed message + C-signed message + SignP (C-signed message).
In an embodiment of the present invention, after the payment delivery is performed on the transaction account corresponding to the current transaction service, the method further includes:
and after receiving the transaction results aiming at the current transaction business, sequentially sending the transaction results to each second digital currency wallet for auditing.
In one example, the first digital currency wallet sends a digital currency transaction instruction to the digital rmb server to implement payment delivery to a transaction account corresponding to the current transaction service, and after changing the digital rmb entitlement database information, the digital rmb server may generate a corresponding payment result and return the payment result to the first digital currency wallet. Wherein the payment result comprises payment success and payment failure. The first digital money wallet may transmit the returned payment results to the respective second digital money wallets in turn for auditing to inform the respective second digital money wallets of the transaction results.
And step 204, if one of the second digital money purses fails to be audited and/or one of the second digital money purses fails to be signed, generating a transaction failure message aiming at the current transaction service, and sending the transaction failure message to the second digital money purse which passes the audit and succeeds in signature.
In the embodiment of the present invention, if one of the second digital money purses fails to be audited or one of the second digital money purses fails to be signed, which results in a failure of the transaction of the current transaction, a corresponding transaction failure message may be generated and sent to the second digital money purse that has passed the audit and succeeded in signing.
In summary, in the embodiment of the present invention, during the process of performing the digital currency transaction, the digital currency wallet for auditing the transaction may be determined, and whether to complete payment of the digital currency is determined according to the auditing result. By adopting the method, the digital currency transaction method capable of automatically carrying out approval is provided, the payment process can be entered after the approval process is completed, and the integrated automatic processing of the approval process and the payment process in the digital currency transaction process is realized.
It should be noted that, for simplicity of description, the method embodiments are described as a series of acts or combination of acts, but those skilled in the art will recognize that the present invention is not limited by the illustrated order of acts, as some steps may occur in other orders or concurrently in accordance with the embodiments of the present invention. Further, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred and that no particular act is required to implement the invention.
Referring to fig. 3, a block diagram of a digital money transaction apparatus according to an embodiment of the present invention is shown, which may specifically include the following modules:
a first determining module 301, configured to determine a second digital money wallet for auditing current transaction traffic during a digital money transaction using a first digital money wallet;
a first sending module 302, configured to send information to be checked for the current transaction service to the second digital money wallet, and obtain a checking result;
and a second determining module 303, configured to determine whether to perform payment delivery on the transaction account corresponding to the current transaction service according to the audit result.
In an embodiment of the present invention, the first determining module includes:
the acquisition submodule is used for acquiring the transaction amount of the current transaction service;
the judging submodule is used for judging that the current transaction service is the transaction service needing to be checked if the transaction amount is larger than a preset transaction amount threshold value;
and the first determining submodule is used for determining the second digital currency wallet which corresponds to the transaction amount and is used for auditing the current transaction business from a preset transaction rule.
In this embodiment of the present invention, the first sending module includes:
a second determining submodule for determining an audit sequence of the second digital money wallet;
and the sending submodule is used for sequentially sending the information to be audited aiming at the current transaction business to each second digital currency wallet according to the auditing sequence.
In the embodiment of the invention, the information to be audited comprises transaction information, audit list information and first signature information of the current transaction service; and the first signature information is audited by the first digital currency wallet, and is generated after the audit is passed.
In an embodiment of the present invention, the second determining module includes:
the payment delivery sub-module is used for carrying out payment delivery on the transaction account corresponding to the current transaction business if each second digital currency wallet passes the verification and is signed successfully;
and the generation submodule is used for generating a transaction failure message aiming at the current transaction business if one of the second digital currency purses fails to be audited and/or one of the second digital currency purses fails to be signed, and sending the transaction failure message to the second digital currency purse which passes the audit and succeeds in signature.
In an embodiment of the present invention, the payment delivery submodule includes:
the verification unit is used for verifying the queue verification information returned by the last second digital money wallet if each second digital money wallet passes verification and the signature is successful;
and the payment delivery unit is used for performing payment delivery on the transaction account corresponding to the current transaction service after the verification is passed.
In an embodiment of the present invention, the queue audit information includes signature information of each second digital money wallet; the signature information of the nth second digital currency wallet is generated by performing hash operation on the information to be audited and the signature information of n-1 second digital currency wallets before the nth second digital currency wallet by adopting a preset hash algorithm and encrypting a hash result obtained by the operation by using a private key; wherein n is a positive integer.
In an embodiment of the present invention, the verification unit includes:
an acquisition subunit operable to acquire a public key of each of the second digital money purses;
and the verification subunit is used for sequentially adopting the public keys of the second digital money purses to respectively decrypt the signature information of the second digital money purses according to the reverse order of the signature from the last second digital money purse, and respectively verifying the decrypted signature information.
In an embodiment of the present invention, the apparatus further includes:
and the second sending module is used for sending the transaction results to each second digital currency wallet for auditing in sequence after receiving the transaction results aiming at the current transaction service.
In an embodiment of the present invention, the first digital money wallet and the second digital money wallet are hardware wallets, and the first digital money wallet and the second digital money wallet communicate with each other by a short-range wireless communication method or a network communication method.
In summary, in the embodiment of the present invention, during the process of performing the digital currency transaction, the digital currency wallet for auditing the transaction may be determined, and whether to complete payment of the digital currency is determined according to the auditing result. By adopting the method, the digital currency transaction method capable of automatically carrying out approval is provided, the payment process can be entered after the approval process is completed, and the integrated automatic processing of the approval process and the payment process in the digital currency transaction process is realized.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
An embodiment of the present invention further provides an electronic device, including: the processor, the memory and the computer program stored in the memory and capable of running on the processor, wherein the computer program, when executed by the processor, implements the processes of the above embodiment of the digital currency transaction method, and can achieve the same technical effects, and the details are not repeated herein to avoid repetition.
The embodiment of the invention also provides a computer-readable storage medium, wherein a computer program is stored on the computer-readable storage medium, and when being executed by a processor, the computer program realizes each process of the digital currency transaction method embodiment, can achieve the same technical effect, and is not repeated here to avoid repetition.
For the device embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, refer to the partial description of the method embodiment.
The embodiments in the present specification are described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments are referred to each other.
As will be appreciated by one skilled in the art, embodiments of the present invention may be provided as a method, apparatus, or computer program product. Accordingly, embodiments of the present invention may take the form of an entirely hardware embodiment, an entirely software embodiment or an embodiment combining software and hardware aspects. Furthermore, embodiments of the present invention may take the form of a computer program product embodied on one or more computer-usable storage media (including, but not limited to, disk storage, CD-ROM, optical storage, and the like) having computer-usable program code embodied therein.
Embodiments of the present invention are described with reference to flowchart illustrations and/or block diagrams of methods, terminal devices (systems), and computer program products according to embodiments of the invention. It will be understood that each flow and/or block of the flow diagrams and/or block diagrams, and combinations of flows and/or blocks in the flow diagrams and/or block diagrams, can be implemented by computer program instructions. These computer program instructions may be provided to a processor of a general purpose computer, special purpose computer, embedded processor, or other programmable data processing terminal to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing terminal, create means for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be stored in a computer-readable memory that can direct a computer or other programmable data processing terminal to function in a particular manner, such that the instructions stored in the computer-readable memory produce an article of manufacture including instruction means which implement the function specified in the flowchart flow or flows and/or block diagram block or blocks.
These computer program instructions may also be loaded onto a computer or other programmable data processing terminal to cause a series of operational steps to be performed on the computer or other programmable terminal to produce a computer implemented process such that the instructions which execute on the computer or other programmable terminal provide steps for implementing the functions specified in the flowchart flow or flows and/or block diagram block or blocks.
While preferred embodiments of the present invention have been described, additional variations and modifications of these embodiments may occur to those skilled in the art once they learn of the basic inventive concepts. Therefore, it is intended that the appended claims be interpreted as including preferred embodiments and all such alterations and modifications as fall within the scope of the embodiments of the invention.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or terminal that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or terminal. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other like elements in a process, method, article, or terminal that comprises the element.
The present invention provides a digital currency transaction method, a digital currency transaction apparatus, an electronic device and a computer readable storage medium, which are introduced in detail above, and specific examples are applied herein to illustrate the principles and embodiments of the present invention, and the above description of the embodiments is only used to help understanding the method and the core ideas of the present invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.