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WO2022218432A1 - 数字货币的支付方法、装置、系统安全芯片及应用方法 - Google Patents

数字货币的支付方法、装置、系统安全芯片及应用方法 Download PDF

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Publication number
WO2022218432A1
WO2022218432A1 PCT/CN2022/087234 CN2022087234W WO2022218432A1 WO 2022218432 A1 WO2022218432 A1 WO 2022218432A1 CN 2022087234 W CN2022087234 W CN 2022087234W WO 2022218432 A1 WO2022218432 A1 WO 2022218432A1
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WO
WIPO (PCT)
Prior art keywords
client
digital currency
currency
transaction amount
payment
Prior art date
Application number
PCT/CN2022/087234
Other languages
English (en)
French (fr)
Inventor
穆长春
狄刚
赵新宇
崔沛东
闫建丽
于鹏
梁伟
Original Assignee
中国人民银行数字货币研究所
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from CN202110414592.1A external-priority patent/CN115222529A/zh
Priority claimed from CN202110414597.4A external-priority patent/CN115222404A/zh
Priority claimed from CN202110414600.2A external-priority patent/CN115222530A/zh
Application filed by 中国人民银行数字货币研究所 filed Critical 中国人民银行数字货币研究所
Priority to EP23211407.4A priority Critical patent/EP4328836A3/en
Priority to EP22787654.7A priority patent/EP4325412A4/en
Priority to US18/287,177 priority patent/US20240202676A1/en
Priority to EP23211409.0A priority patent/EP4328837A1/en
Publication of WO2022218432A1 publication Critical patent/WO2022218432A1/zh
Priority to US18/381,172 priority patent/US20240062198A1/en
Priority to US18/381,171 priority patent/US20240062195A1/en

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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
    • G06Q20/22—Payment schemes or models
    • G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
    • 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
    • G06Q20/30—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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3827—Use of message hashing
    • 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
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
    • 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
    • G06Q20/389—Keeping log of transactions for guaranteeing non-repudiation of a transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • G06Q2220/00—Business processing using cryptography

Definitions

  • the present application relates to the field of computer technology, and in particular, to a payment method, device, system security chip and application method of digital currency.
  • the money used in traditional electronic payment comes from bank accounts, that is, it actually corresponds to a piece of paper money, and digital currency itself is money. Payment is made directly with money, so the current electronic payment scheme cannot be applied to the payment of digital currency.
  • the embodiments of the present application provide a digital currency payment method, device, system security chip and application method, which can realize online payment of digital currency based on the communication connection between different clients, which is convenient and fast.
  • a payment method for digital currency is provided, applied to the first client, including:
  • a payment request is sent to the second client through the communication connection, the payment request indicating the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency, so that the second The second currency management device corresponding to the client exchanges the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the method further includes: establishing a connection between the first client and the second client. A communication connection between the second client;
  • the communication connection between the first client and the second client is re-established.
  • the communication connection between the first client and the second client is re-established based on one or more of the following: transaction identifier, transaction amount, Timestamp, transaction counter, transaction flow, first client information, second client information.
  • the payment method for the above-mentioned digital currency also includes:
  • the payment request also indicates the payment password.
  • the payment method for the above-mentioned digital currency also includes:
  • an embodiment of the present application provides a digital currency payment method, which is applied to a first currency management device, including:
  • the digital currency record corresponding to the first client is updated.
  • the verifying the first digital currency or the circulation identifier includes:
  • the first digital currency or the circulation identifier is verified according to the digital currency record corresponding to the first client.
  • the payment method for digital currency in the embodiment of the second aspect further includes:
  • the payment password is verified according to the digital currency record corresponding to the first client.
  • an embodiment of the present application provides a digital currency payment method, which is applied to a second client, including:
  • a payment request sent by the first client is received, where the payment request indicates the first digital currency corresponding to the transaction amount or the circulation of the first digital currency identification;
  • the method before the receiving the payment request sent by the first client, the method further includes: establishing a communication connection between the first client and the second client;
  • the method further includes: between the first client and the second client If the communication connection between the terminals is disconnected, the communication connection between the first client and the second client is re-established.
  • the payment method for digital currency in the embodiment of the third aspect further includes:
  • the payment request when the transaction amount is greater than the threshold amount, the payment request further indicates a payment password corresponding to the transaction amount;
  • the communication connection between the first client and the second client is re-established based on one or more of the following: transaction identifier, transaction amount, Timestamp, transaction counter, transaction flow, first client information, second client information.
  • the embodiment of the present application provides a payment method of a digital currency, applied to the second currency management device, comprising:
  • the payment method for digital currency in the embodiment of the fourth aspect further includes:
  • the digital currency redemption request further indicates a payment password corresponding to the transaction amount, and the payment password is sent to the first currency management device to receive the payment password verification result.
  • an embodiment of the present application provides a first client for digital currency payment, including: a transaction amount acquisition module and a payment request sending module; wherein,
  • the transaction amount obtaining module configured to generate a transaction amount, or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client;
  • the payment request sending module is configured to send a payment request to the second client through the communication connection, where the payment request indicates the first digital currency corresponding to the transaction amount or the amount of the first digital currency.
  • a circulation identifier so that the second currency management device corresponding to the second client can redeem the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the first client for digital currency payment according to the embodiment of the fifth aspect further includes: a communication connection establishment module; wherein,
  • the communication connection establishing module is configured to establish a communication connection between the first client and the second client based on any one of the following methods: wireless local area network, near field communication, and Bluetooth.
  • the first client for digital currency payment according to the embodiment of the fifth aspect further includes: a communication connection establishment module, wherein:
  • the communication connection establishment module is configured to establish a communication connection between the first client and the second client; in the case of disconnection of the communication connection, re-establish the first client and the second client communication connection between terminals.
  • an embodiment of the present application provides a first currency management device for digital currency payment, including: an export request receiving module, a digital currency generating module, and a digital currency issuing module; wherein,
  • the export request receiving module is configured to receive a digital currency export request sent by the first client, where the digital currency export request indicates a transaction amount;
  • the digital currency generation module is used to generate the first digital currency corresponding to the transaction amount
  • the digital currency issuing module is configured to issue the first digital currency or the circulation identifier of the first digital currency to the first client.
  • an embodiment of the present application provides a second client for digital currency payment, including: a payment request receiving module and a digital currency redemption module; wherein,
  • the payment request receiving module is configured to receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency;
  • the digital currency redemption module is configured to send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request indicates the first digital currency or the circulation identifier, so that all The second currency management device redeems the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • an embodiment of the present application provides a second client for digital currency payment, including: a communication connection establishment module, a payment request receiving module, and a redemption request sending module; wherein,
  • the communication connection establishment module is used to establish a communication connection between the first client and the second client;
  • the communication connection establishment module is further configured to re-establish the communication between the first client and the second client when the communication connection between the first client and the second client is disconnected connect;
  • the payment request receiving module is configured to receive a payment request sent by the first client through the communication connection, where the payment request indicates the first digital currency used for payment or the circulation identifier of the first digital currency ;
  • the redemption request sending module is configured to send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request indicates the first digital currency or the circulation identifier, to causing the second money management device to redeem the second digital currency corresponding to the first digital currency to the first money management device corresponding to the first client.
  • an embodiment of the present application provides a second currency management device for digital currency payment, including: a payment request receiving module, a digital currency sending module, a verification result receiving module, and a digital currency generating module; wherein,
  • the redemption request receiving module is configured to receive a digital currency redemption request sent by the second client, the digital currency redemption request indicating the first digital currency or the first digital currency corresponding to the transaction amount sent by the first client currency identification;
  • the digital currency sending module is configured to send the first digital currency or the circulation identifier to the first currency management device corresponding to the first client, so that the first currency management device can A digital currency or the said circulation identifier for verification;
  • the verification result receiving module is configured to receive the verification result of the first digital currency or the circulation identification sent by the first currency management device;
  • the digital currency generation module is used to generate a second digital currency corresponding to the transaction amount when the first digital currency or the circulation identifier is verified, and update the second digital currency corresponding to the second client. digital currency records.
  • an embodiment of the present application provides a digital currency payment system, including: a first client, a second client, a first currency management device corresponding to the first client, and a second currency corresponding to the second client management device; wherein,
  • the first client is used to generate a transaction amount or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client, and send the transaction amount to the second client through the communication connection.
  • the second client sends a payment request, where the payment request indicates the first digital currency corresponding to the transaction amount or a circulation identifier of the first digital currency;
  • the second client is configured to receive the payment request sent by the first client through the communication connection between the first client and the second client, and send the payment request to the second money management device corresponding to the second client
  • a digital currency redemption request, the digital currency redemption request indicates the first digital currency or the circulation identifier
  • the first currency management device is configured to receive a digital currency export request sent by a first client, where the digital currency export request indicates the transaction amount, generate a first digital currency corresponding to the transaction amount, and transfer the digital currency to the transaction amount.
  • the first digital currency or the circulation identifier of the first digital currency is issued to the first client;
  • the second currency management device is configured to receive a digital currency redemption request sent by the second client, and redeem the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the first client is further configured to establish a communication connection between the first client and the second client, and when the communication connection is disconnected, re-establish the communication connection between the first client and the second client. a communication connection between the second clients;
  • the second client is configured to establish a communication connection between the first client and the second client, and in the case of disconnection of the communication connection, re-establish the first client and the second client communication connection between terminals;
  • the second currency management device is further configured to pay the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client.
  • an embodiment of the present application provides a digital currency payment method, which is applied to the first client, including:
  • the digital currency corresponding to the first client is updated according to the transaction amount.
  • the payment method for digital currency provided by the embodiment of the eleventh aspect above further includes: establishing a communication connection between the first client and the second client;
  • the method further includes:
  • the communication connection between the first client and the second client is re-established.
  • the payment method for digital currency according to the embodiment of the eleventh aspect further includes:
  • the payment request also indicates the payment password.
  • an embodiment of the present application provides a digital currency payment method, which is applied to a second client, including:
  • the signature information of the first client is verified, and if the verification is passed, the digital currency of the second client is updated according to the transaction amount.
  • the payment method for digital currency provided by the embodiment of the twelfth aspect further includes:
  • the communication connection between the first client and the second client is re-established.
  • the digital currency payment method of the embodiment of the twelfth aspect further includes:
  • the transaction amount Before receiving the payment request sent by the first client through the communication connection, the transaction amount is generated, and the transaction amount is sent to the first client through the communication connection.
  • the payment request when the transaction amount is greater than a threshold amount, the payment request further indicates a payment password corresponding to the transaction amount;
  • the payment password is verified to update the digital currency corresponding to the second client terminal according to the digital currency corresponding to the transaction amount when the verification is passed.
  • an embodiment of the present application provides a first client for digital currency payment, including: a transaction amount acquisition module, a digital currency signature module, a payment request sending module, and a digital currency update module; wherein,
  • the transaction amount obtaining module configured to generate a transaction amount, or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client;
  • the digital currency signature module is used to sign the data currency corresponding to the transaction amount
  • the payment request sending module is configured to send a payment request to the second client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client;
  • the digital currency update module is configured to update the digital currency corresponding to the first client terminal according to the transaction amount.
  • an embodiment of the present application provides a second client for digital currency payment, including: a payment request receiving module and a signature information verification module; wherein,
  • the payment request receiving module is configured to receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the digital currency corresponding to the transaction amount , the signature information of the first client;
  • the signature information verification module is configured to verify the signature information of the first client, and update the digital currency of the second client according to the transaction amount when the verification is passed.
  • an embodiment of the present application provides a digital currency payment system, including: a first client and a second client; wherein,
  • the first client is used to generate the transaction amount, or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client;
  • the data currency is signed;
  • a payment request is sent to the second client through the communication connection, and the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client; according to the transaction amount updating the digital currency corresponding to the first client;
  • the second client is configured to receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the digital currency corresponding to the transaction amount , the signature information of the first client; verify the signature information of the first client, and update the digital currency of the second client according to the transaction amount when the verification is passed.
  • an embodiment of the present application provides a security chip for digital currency storage, including: a storage module and a first communication module; wherein,
  • the storage module is used to store confidential information related to digital currency
  • the first communication module is configured to, when receiving an information request sent by an application or a terminal, send the confidential information to the application or the terminal according to the information request; wherein the application or the terminal uses the The application or terminal for the transaction of the above-mentioned digital currency.
  • the confidential information includes any one or more of the following: the private key and public key of the first user corresponding to the terminal, the public key of the second user designated by the first user, the Public key, digital currency, identification information of the digital currency, transaction times threshold of the digital currency, offline duration threshold of the digital currency, payment key of the user, payment amount of the user, the application status information of the application, identification information of the application, and identification information of the terminal.
  • the storage module is configured to determine the storage status of the confidential information according to the confidentiality level of the confidential information, and store the confidential information according to the storage status; wherein the storage status indicates the storage status. Whether the confidential information is visible to users.
  • the first communication module is configured to send to the application or terminal information about online updating of the digital currency and/or limiting the number of transactions. prompt information.
  • an embodiment of the present application provides a first terminal for digital currency storage, including: an application for conducting transactions using the digital currency, and the security chip provided in the sixteenth aspect; wherein,
  • the security chip is used to store confidential information related to digital currency
  • the application is configured to send an information request to the security chip when a transaction request related to the digital currency is received, so as to obtain the confidentiality related to the digital currency from the security chip according to the information request information.
  • the security chip is provided in the first terminal in the form of a full terminal, SIM card, SD card, IC chip, SIF or PSAM card.
  • the application is further configured to verify the transaction request according to the confidential information, and determine whether to execute the transaction corresponding to the transaction request according to the verification result.
  • the first terminal provided in the seventeenth aspect further includes:
  • the application is further configured to encrypt the transaction information indicated by the transaction request according to the confidential information, and send the encrypted transaction information to the second terminal indicated by the transaction request.
  • the first terminal provided in the seventeenth aspect further includes: a processing module; wherein,
  • the processing module is configured to receive the security level of the digital currency-related information sent by the money management device; according to the security level, determine the security information that can be stored in the security chip from the information, and store the security information in the security chip.
  • the secret information is stored in the security chip.
  • the processing module is further configured to determine a security level of the security chip, and determine a transaction amount threshold related to the digital currency according to the security level.
  • an embodiment of the present application provides a currency management device for digital currency storage, comprising: a level determination module and a second communication module; wherein,
  • the level determination module is used to determine the security level of the information related to the digital currency
  • the second communication module is used to send the information and the confidentiality level of the information to the terminal that uses the digital currency to conduct transactions; make the terminal determine the confidential information according to the confidentiality level of the information, and send the information to the terminal.
  • the secret information is stored in the security chip of the terminal.
  • an embodiment of the present application provides an application method of a security chip for digital currency storage, including:
  • the storage of confidential information related to digital currency includes:
  • the secret information is stored according to the storage state; wherein the storage state indicates whether the secret information is visible to the user.
  • the confidential information includes any one or more of the following: the private key and public key of the first user corresponding to the terminal, the public key of the second user designated by the first user, the Public key, digital currency, identification information of the digital currency, transaction times threshold of the digital currency, offline duration threshold of the digital currency, payment key of the user, payment amount of the user, the application status information of the application, identification information of the application, and identification information of the terminal.
  • the available storage space of the security chip is less than a preset threshold
  • prompt information about online updating of the digital currency and/or limiting the number of transactions is sent to the application or terminal.
  • an embodiment of the present application provides an application method for a first terminal for digital currency storage, including:
  • an information request is sent to the security chip, so as to obtain confidential information related to the digital currency from the security chip according to the information request.
  • a security chip to store confidential information related to digital currency includes:
  • the security information that can be stored in the security chip is determined from the information, and the security information is stored in the security chip.
  • the first digital currency or the identification of the first digital currency used for payment is transmitted through the communication connection between the first client and the second client, so that the second client can communicate with the corresponding
  • the second currency management device of the invention redeems the first digital currency corresponding to the first digital currency, and realizes the online payment of the digital currency and the circulation between different clients, which is convenient and fast.
  • FIG. 1 is a schematic diagram of the main flow of a payment method for digital currency applied to a first client according to an embodiment of the present application
  • FIG. 2 is a schematic diagram of the main flow of another digital currency payment method applied to a first client according to an embodiment of the present application
  • FIG. 3 is a schematic diagram of a main flow of a payment method for digital currency applied to a first currency management device according to an embodiment of the present application
  • FIG. 4 is a schematic diagram of the main flow of the payment method for digital currency applied to the second client according to an embodiment of the present application
  • FIG. 5 is a schematic diagram of the main flow of another digital currency payment method applied to a second client according to an embodiment of the present application
  • FIG. 6 is a schematic diagram of a main flow of a payment method for digital currency applied to a second currency management device according to an embodiment of the present application
  • FIG. 7 is a schematic diagram of the main flow of the payment method for digital currency applied to the first client according to an embodiment of the present application.
  • FIG. 8 is a schematic diagram of the main flow of another digital currency payment method applied to the first client according to an embodiment of the present application.
  • FIG. 9 is a schematic diagram of the main flow of the payment method for digital currency applied to the first currency management device according to an embodiment of the present application.
  • FIG. 10 is a schematic diagram of the main flow of another digital currency payment method applied to the first currency management device according to an embodiment of the present application;
  • FIG. 11 is a schematic diagram of the main flow of a payment method for digital currency applied to a second client according to an embodiment of the present application
  • FIG. 12 is a schematic diagram of the main flow of another digital currency payment method applied to a second client according to an embodiment of the present application
  • FIG. 13 is a schematic diagram of the main flow of the payment method for digital currency applied to the second currency management device according to an embodiment of the present application;
  • FIG. 14 is a schematic diagram of the main modules of a first client for digital currency payment according to an embodiment of the present application.
  • 15 is a schematic diagram of the main modules of another first client for digital currency payment according to an embodiment of the present application.
  • 16 is a schematic diagram of main modules of a first currency management device for digital currency payment according to an embodiment of the present application
  • 17 is a schematic diagram of the main modules of a second client for digital currency payment according to an embodiment of the present application.
  • FIG. 18 is a schematic diagram of the main modules of another second client for digital currency payment according to an embodiment of the present application.
  • 19 is a schematic diagram of the main modules of the second currency management apparatus for digital currency payment according to an embodiment of the present application.
  • 20 is a schematic diagram of the main structure of a digital currency payment system according to an embodiment of the present application.
  • FIG. 21 is a schematic flowchart of the main flow of the digital currency payment method applied to the digital currency payment system according to an embodiment of the present application.
  • Fig. 22 is the main flow diagram of the payment method of another digital currency applied to the payment system of digital currency according to the embodiment of the present application;
  • FIG. 23 is a schematic diagram of the main flow of another digital currency payment method applied to the first client according to an embodiment of the present application.
  • 24 is a schematic diagram of the main flow of another digital currency payment method applied to the first client according to an embodiment of the present application.
  • FIG. 25 is a schematic diagram of the main flow of another digital currency payment method applied to a second client according to an embodiment of the present application.
  • 26 is a schematic diagram of the main flow of another digital currency payment method applied to a second client according to an embodiment of the present application
  • 27 is a schematic diagram of the main modules of another first client for digital currency payment according to an embodiment of the present application.
  • FIG. 28 is a schematic diagram of the main modules of another first client for digital currency payment according to an embodiment of the present application.
  • 29 is a schematic diagram of the main modules of another second client for digital currency payment according to an embodiment of the present application.
  • FIG. 30 is a schematic diagram of the main modules of another second client for digital currency payment according to an embodiment of the present application.
  • 31 is a schematic diagram of the main structure of another digital currency payment system according to an embodiment of the present application.
  • 32 is a schematic diagram of the main modules of a security chip for digital currency storage according to an embodiment of the present application.
  • 33 is a schematic diagram of main steps of a method for applying a security chip for digital currency storage according to an embodiment of the present application.
  • 34 is a schematic diagram of the main modules of a first terminal for digital currency storage according to an embodiment of the present application.
  • 35 is a schematic diagram of main steps of a method for applying a first terminal for digital currency storage according to an embodiment of the present application
  • 36 is a schematic diagram of the main modules of a currency management device for digital currency storage according to an embodiment of the present application.
  • FIG. 37 is a schematic diagram of the main steps of an application method of a currency management device for digital currency storage according to an embodiment of the present application;
  • FIG. 38 is an exemplary system architecture diagram to which embodiments of the present application may be applied.
  • FIG. 39 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present application.
  • FIG. 1 is a schematic diagram of the main process of a payment method for digital currency applied to a first client according to an embodiment of the present application.
  • the digital currency payment method may specifically include the following steps:
  • Step S101 generating a transaction amount, or acquiring the transaction amount sent by the second client through the communication connection between the first client and the second client.
  • Digital currency refers to the currency that can be used for various circulation operations in place of paper currency, such as using the data currency for payment, realizing the transfer of digital currency holders, or directly transferring digital currency.
  • the digital currency includes one or more of the following information: the circulation identification of the digital currency, the identification of the digital currency management device to which the digital currency belongs, and the signature of the digital currency management device.
  • the circulation identification of digital currency refers to the unique circulation identification (such as a serial number) corresponding to the digital currency.
  • the transaction amount may refer to either the amount generated by the first client terminal according to the actual amount to be paid, or may refer to the transaction amount generated by the second client terminal and received by the first client terminal. Therefore, before sending the transaction amount to the first money management device, the first client also needs to generate the transaction amount or receive the second client through the communication connection between the first client and the second client The transaction amount sent.
  • the first client sends a digital currency export request to the first currency management device, the digital currency export request indicating the transaction amount, so that the first client
  • the money management device generates the first digital money corresponding to the transaction amount.
  • the first client in the case of receiving the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency issued by the first currency management device, the first client establishes a communication connection with the second client, and send a payment request to the second client through the communication connection.
  • the second client When the second client generates the transaction amount, the second client establishes a communication connection with the first client, and sends the transaction amount to the first client through the communication connection.
  • the first client sends a digital currency export request to the first currency management device corresponding to the first client, so that the first currency management device generates a first number corresponding to the transaction amount currency.
  • the first client terminal receives the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency issued by the first currency management device, and passes the established connection between the first client terminal and the second client terminal.
  • the communication connection sends a payment request to the second client.
  • the first client or the second client establishes a communication connection between the first client and the second client based on any one of the following methods: wireless local area network, near field communication, and Bluetooth.
  • WLAN wireless local area network
  • both the first client and the second client enable WLAN direct connection to establish a WLAN point-to-point connection, and transmit transaction amount and payment request through an interactive protocol.
  • NFC Near Field Communication
  • the first client approaches the second client to establish an NFC channel upon touching, and transmits the transaction amount and payment request through the NFC channel.
  • both the first client and the second client enable the Bluetooth function to establish a communication connection through Bluetooth pairing, and transmit the transaction amount and payment request through the communication connection.
  • Step S102 sending a payment request to the second client through the communication connection, the payment request indicating the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency, so that all The second currency management device corresponding to the second client exchanges the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the second client after receiving the payment request sent by the first client, the second client sends a digital currency redemption request to the second currency management device, where the digital currency redemption request indicates the first digital currency or the circulation of the first digital currency logo.
  • the second currency management device sends the first digital currency or the circulation identification of the first digital currency to the first currency management device, so that the first currency management device verifies the circulation identification of a digital currency or the first digital currency, And in the case where the verification of the first digital currency or the circulation identification of the first digital currency is passed, the second digital currency corresponding to the transaction amount or the first digital currency is generated, thereby realizing the digital currency between the first client and the second digital currency. flow between clients.
  • the second currency management device should update the digital currency record corresponding to the second client to manage the digital currency.
  • the first currency management device updates the digital currency record corresponding to the first client, so as to realize the digital currency transaction process. , the balance of payments of the total amount of digital currency.
  • the currency management devices corresponding to the first client and the second client may be the same or different.
  • the second currency management device uses a third-party currency management device that supervises the different currency management devices, Sending the first digital currency or the circulation identification of the first digital currency to the first currency management device.
  • the first currency management device verifies the first digital currency or the circulation identifier of the first digital currency
  • the first currency management device also sends the corresponding verification result to the second currency management device through the third-party currency management device .
  • the first digital currency or the identifier of the first digital currency used for payment is transmitted through the communication connection between the first client and the second client, so that the second client can manage the corresponding second currency
  • the device redeems the first digital currency corresponding to the first digital currency, and realizes the online payment of the digital currency and the transfer between different clients.
  • the first client directly generates the transaction amount
  • the first client only needs to transmit the payment request through the communication connection between the first client and the second client, that is, it only needs to establish Online payment of digital currency can be completed with one communication connection, which is convenient and fast.
  • the embodiment of the present application provides a digital currency payment method applied to the first client terminal, and the method may specifically include: The steps are as follows:
  • Step S201 generating a transaction amount.
  • Step S202 sending a digital currency export request to the first currency management device, where the digital currency export request indicates the transaction amount, so that the first currency management device generates the first number corresponding to the transaction amount currency. It can be understood that, in the case of generating the first digital currency, the first currency management apparatus needs to update the digital currency record corresponding to the first client to manage the digital currency.
  • Step S203 receiving the first digital currency or the circulation identifier of the first digital currency issued by the first currency management device.
  • Step S204 establishing a communication connection between the first client and the second client.
  • the communication connection between the first client and the second client may be established using any one of wireless local area network, near field communication, and Bluetooth.
  • Step S205 send a payment request to the second client through the communication connection, where the payment request indicates the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency, so that all
  • the second currency management device corresponding to the second client exchanges the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the payment request only needs to be transmitted through the communication connection between the first client and the second client, that is, the online payment of digital currency can be completed only by establishing a communication connection once, which is convenient and fast.
  • the embodiment of the present application provides a payment method for digital currency applied to the first currency management device.
  • the method may specifically include the following steps:
  • Step S301 Receive a digital currency export request sent by the first client, where the digital currency export request indicates the transaction amount.
  • the transaction amount can either be directly generated by the first client according to actual needs, or directly generated by the second client and sent to the first client through the communication connection between the first client and the second client. .
  • Step S302 generating a first digital currency corresponding to the transaction amount.
  • the first currency management device updates the digital currency record corresponding to the first client to realize unified management of digital goods.
  • Step S303 delivering the first digital currency or the circulation identifier of the first digital currency to the first client.
  • Step S304 in the case of receiving the first digital currency or the circulation identification sent by the second currency management device corresponding to the second client, verify the first digital currency or the circulation identification.
  • the first currency management device receives the first digital currency or the circulation identifier of the first digital currency sent by the second currency management device corresponding to the second client, according to the digital currency corresponding to the first client Currency record, verify the first digital currency or the first digital currency's circulation identifier as follows: determine whether the first digital currency or the first digital currency is the first digital currency that has been recorded or stored, so as to verify the legality of the source of the digital currency or according to the identification of the currency management device indicated by the first digital currency, determine whether the identification of the currency management device is consistent with the identification of the first currency management device, and verify the legitimacy of the source of the digital currency; or according to the first digital currency includes The signature of the currency management device is verified.
  • the signature of the currency management device is generated using an asymmetric encryption algorithm as an example.
  • the first currency management device can use the private key corresponding to the public key when the signature information is generated.
  • the signature of the money management device in a digital currency is decrypted to verify the authenticity of the signature information. In this way, both the legitimacy of the source of the first digital currency and the security of the digital currency payment can be ensured.
  • Step S305 sending the verification result of the first digital currency or the circulation identifier to the second currency management device.
  • the first currency management device sends the verification result of the first digital currency or the circulation identifier to the second currency management device, so that the second currency management device is in the first digital currency or the first digital currency.
  • the verification of the circulation identification is passed, the second digital currency corresponding to the first digital currency or the transaction amount is generated, thereby realizing the circulation of the digital currency between the first client and the second client.
  • Step S306 in the case that the verification of the first digital currency or the circulation identifier is passed, update the digital currency record corresponding to the first client. In this way, it is possible to maintain the balance of payments of the total amount of digital currency in the process of digital currency payment.
  • the embodiment of the present application provides a payment method for digital currency applied to a second client.
  • the method may specifically include the following steps:
  • Step S401 Receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the first digital currency or the first number corresponding to the transaction amount Currency symbol for circulation.
  • the transaction amount can be directly generated by the first client according to actual needs, or directly generated by the second client, and is connected through the communication between the first client and the second client. Sent to the first client.
  • the second client Before receiving the payment request sent by the first client through the communication connection between the first client and the second client, the second client also needs to establish the connection between the first client and the second client based on any of the following methods.
  • the communication connection between the second clients wireless local area network, near field communication, Bluetooth.
  • Step S402 sending a digital currency redemption request to the second currency management device corresponding to the second client, the digital currency redemption request indicating the first digital currency or the circulation identifier, so that the second currency management device The second digital currency corresponding to the transaction amount is redeemed to the first currency management device corresponding to the first client.
  • an embodiment of the present application provides a method for payment of digital currency applied to the second client.
  • the method may specifically include the following steps:
  • Step S501 generating a transaction amount.
  • Step S502 establishing a communication connection between the first client and the second client.
  • the communication connection between the first client and the second client is established in any of the following manners: wireless local area network, near field communication, and Bluetooth.
  • Step S503 Send the transaction amount to the first client through the connection between the first client and the second client.
  • the first client After receiving the transaction amount, the first client sends a digital currency export request to the first currency management device corresponding to the first client, where the digital currency export request indicates the transaction amount, so that the first currency management device generates and trades The first digital currency corresponding to the amount, and the first digital currency or the circulation identifier of the first digital currency is issued to the first client.
  • Step S504 Receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the first digital currency or the first number corresponding to the transaction amount Currency symbol for circulation.
  • Step S505 sending a digital currency redemption request to the second currency management device corresponding to the second client, the digital currency redemption request indicating the first digital currency or the circulation identifier, so that the second currency management device The second digital currency corresponding to the transaction amount is redeemed to the first currency management device corresponding to the first client.
  • the embodiment of the present application provides a payment method for digital currency applied to a second currency management device.
  • the method may specifically include the following steps:
  • Step S601 receiving a digital currency redemption request sent by the second client, the digital currency redemption request indicating the first digital currency corresponding to the transaction amount sent by the first client or the circulation identifier of the first digital currency.
  • Step S602 Send the first digital currency or the circulation identifier to the first currency management device corresponding to the first client, so that the first currency management device can control the first digital currency or the first currency. Circulation identification for verification.
  • Step S603 Receive the verification result of the first digital currency or the circulation identifier sent by the first currency management device.
  • Step S604 in the case that the verification of the first digital currency or the circulation identifier is passed, a second digital currency corresponding to the transaction amount is generated, and the digital currency record corresponding to the second client is updated.
  • the second currency management device generates a second digital currency corresponding to the transaction amount or the first digital currency if and only when the first digital currency or the circulation identification of the first digital currency is verified to pass. Ensure the security and legitimacy of digital currency.
  • FIG. 7 is a schematic diagram of the main process of a payment method for digital currency applied to a first client according to an embodiment of the present application. As shown in FIG. 7 , the specific steps that the digital currency payment method may include are as follows:
  • Step S701 establishing a communication connection between the first client and the second client.
  • the first client or the second client establishes a communication connection between the first client and the second client based on any one of the following manners: wireless local area network, near field communication, and Bluetooth.
  • WLAN wireless local area network
  • both the first client and the second client enable WLAN direct connection to establish a WLAN point-to-point connection, and transmit transaction amount and payment request through an interactive protocol.
  • NFC Near Field Communication
  • the first client approaches the second client to establish an NFC channel upon touching, and transmits the transaction amount and payment request through the NFC channel.
  • both the first client and the second client enable the Bluetooth function to establish a communication connection through Bluetooth pairing, and transmit the transaction amount and payment request through the communication connection.
  • Step S702 generating a transaction amount, or receiving the transaction amount sent by the second client through the communication connection.
  • the transaction amount may refer to either the amount generated by the first client terminal according to the actual amount to be paid, or may refer to the transaction amount generated by the second client terminal and received by the first client terminal. Therefore, before sending the transaction amount to the first money management device, the first client also needs to generate the transaction amount or receive the second client through the communication connection between the first client and the second client The transaction amount sent.
  • the first client sends a digital currency export request to the first currency management device, the digital currency export request indicating the transaction amount, so that the first client
  • the money management device generates the first digital money corresponding to the transaction amount.
  • the first client in the case of receiving the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency issued by the first currency management device, the first client establishes a communication connection with the second client, and send a payment request to the second client through the communication connection.
  • the second client When the second client generates the transaction amount, the second client establishes a communication connection with the first client, and sends the transaction amount to the first client through the communication connection.
  • the first client sends a digital currency export request to the first currency management device corresponding to the first client, so that the first currency management device generates a first number corresponding to the transaction amount currency.
  • the first client terminal receives the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency issued by the first currency management device, and passes the established connection between the first client terminal and the second client terminal.
  • the communication connection sends a payment request to the second client.
  • Step S703 in the case that the communication connection is disconnected, re-establish the communication connection between the first client and the second client.
  • the communication connection between the first client and the second client may also be disconnected.
  • the communication connection between the first client and the second client is still re-established in the manner of establishing the communication connection for the first time, that is, the communication connection is established based on any one of the wireless local area network, near field communication, and Bluetooth. .
  • the transaction identifier refers to the randomly generated serial number, index number, etc.
  • the timestamp refers to the time point corresponding to the payment transaction
  • the transaction counter is used to record the number of transactions performed, so that it can The number of times corresponding to the transaction, re-establish the communication connection to continue to complete the unfinished transaction
  • the transaction flow refers to the detailed information generated according to the timestamp, transaction information, etc. that can distinguish different transactions
  • the first client information or the second client information Including but not limited to the public key, user name, device identification and other information transmitted by both parties to the transaction.
  • the communication connection establishment requesting client can send a communication connection establishment request to another client with information such as transaction identifier, transaction amount, time stamp, etc., so that the other client can receive the communication
  • a connection establishment request is made, according to the pre-stored transaction identifier, transaction amount, timestamp and other information, verify whether the transaction identifier, transaction amount, timestamp and other information carried in the communication connection establishment request are consistent with the pre-stored information: if they are consistent, verify Passed, it means that the communication connection established by this request and the aforementioned communication connection are for the same payment transaction, and the communication connection between the first client and the second client is re-established; if they are inconsistent, the verification fails, and the first client is not established.
  • a communication connection between a client and a second client is if they are inconsistent, the verification fails, and the first client is not established.
  • Step S704 sending a payment request to the second client through the communication connection, the payment request indicating the first digital currency corresponding to the transaction amount or the circulation identifier of the first digital currency, so that all The second currency management device corresponding to the second client exchanges the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client.
  • the second client after receiving the payment request sent by the first client, the second client sends a digital currency redemption request to the second currency management device, where the digital currency redemption request indicates the first digital currency or the circulation of the first digital currency logo.
  • the second currency management device sends the first digital currency or the circulation identification of the first digital currency to the first currency management device, so that the first currency management device verifies the circulation identification of a digital currency or the first digital currency, And in the case where the verification of the first digital currency or the circulation identification of the first digital currency is passed, the second digital currency corresponding to the transaction amount or the first digital currency is generated, thereby realizing the digital currency between the first client and the second digital currency. flow between clients.
  • the method further includes: before sending a payment request to the second client through the communication connection, judging whether the transaction amount is greater than a threshold amount, and when the transaction amount is greater than the threshold amount If the transaction amount is greater than the threshold amount, the payment request also indicates the payment password.
  • the threshold amount is set according to the actual demand. In this way, by setting a threshold amount and setting a payment password for the transaction amount larger than the threshold amount, the security of the digital currency in the large-amount payment transaction process can be ensured.
  • the user corresponding to the first client can preset a threshold amount and a payment password corresponding to a transaction amount greater than the threshold amount, so that the first currency management device pre-stores in the digital currency record corresponding to the first client.
  • the transaction amount and the payment password so that the payment password is verified based on the digital currency record corresponding to the first client during the payment process of the digital currency to ensure the security of the digital currency.
  • the encryption method used can be any one of a string encryption method (a string encryption method of letters, numbers, or a combination of letters and numbers), a question-and-answer method, a voiceprint recognition method, a face recognition method, and a picture recognition method. or a combination of various methods, the payment passwords corresponding to different encryption methods are also different.
  • the key corresponding to the string encryption method is a string of all letters (alphabet encryption method), or a character of all numbers.
  • the user corresponding to the first client can define the encryption method, or the first currency management device can also define the encryption method according to factors such as ease of management or its own operation.
  • the second client after receiving the payment request sent by the first client, the second client sends a digital currency redemption request to the second currency management device, where the digital currency redemption request indicates the first digital currency or the circulation of the first digital currency ID, and the payment password corresponding to the transaction amount.
  • the second currency management device sends the first digital currency or the circulation identifier of the first digital currency and the payment password corresponding to the transaction amount to the first currency management device, so that the first currency management device can process the first digital currency or the first digital currency.
  • a circulation identifier of a digital currency and a payment password are verified, and when the verification of the first digital currency or the circulation identifier of the first digital currency and the payment password is passed, a first digital currency corresponding to the transaction amount or the first digital currency is generated. Two digital currencies, thereby realizing the circulation of digital currencies between the first client and the second client.
  • the second currency management device should update the digital currency record corresponding to the second client to manage the digital currency.
  • the first currency management device updates the digital currency record corresponding to the first client, so as to realize the digital currency transaction process.
  • the balance of payments of the monetary aggregate quota is the balance of payments of the monetary aggregate quota.
  • the currency management devices corresponding to the first client and the second client may be the same or different.
  • the second currency management device uses a third-party currency management device that supervises the different currency management devices, Sending the first digital currency or the circulation identification of the first digital currency to the first currency management device.
  • the first currency management device verifies the first digital currency or the circulation identifier of the first digital currency
  • the first currency management device also sends the corresponding verification result to the second currency management device through the third-party currency management device .
  • the second currency management device when the transaction amount is greater than the threshold amount, the second currency management device also sends the payment password corresponding to the transaction amount to the first currency management device through the third-party management device, and receives the first currency management device through the third-party management device. The verification result of the payment password by the device.
  • the first digital currency or the identifier of the first digital currency used for payment is transmitted through the communication connection between the first client and the second client, so that the second client can manage the corresponding second currency
  • the device redeems the first digital currency corresponding to the first digital currency, which realizes the online payment of the digital currency and the transfer between different clients, which is convenient and fast; in addition, by setting the payment when the transaction amount is greater than the threshold amount
  • the password ensures the security of the digital currency in the process of large-amount payment transactions; in order to avoid the impact of disconnection of the communication connection in the process of obtaining the payment password, the normal progress of the payment transaction is ensured by re-establishing the communication connection corresponding to the payment transaction.
  • the embodiment of the present application provides another payment method for digital currency applied to the first client.
  • the method may specifically include the following steps:
  • Step S801 generating a transaction amount.
  • the transaction amount can refer to either the amount generated by the first client based on the actual amount to be paid, or the transaction amount received by the first client and generated by the second client. In this embodiment, only the first client is used. The client directly generates the transaction amount as an example to illustrate.
  • Step S802 establishing a communication connection between the first client and the second client.
  • Step S803 sending a digital currency export request to the first currency management device corresponding to the first client, so that the first currency management device generates the first digital currency corresponding to the transaction amount.
  • the first currency management apparatus may issue the first digital currency or the circulation identifier of the first digital currency to the first client, so that the first client sends a payment request.
  • Step S804 in the case that the transaction amount is greater than the threshold amount, obtain a payment password corresponding to the transaction amount.
  • the transaction amount may be larger than the threshold amount or smaller than the threshold amount.
  • the transaction amount is greater than the threshold amount as an example for description.
  • Step S805 in the case that the communication connection is disconnected, re-establish the communication connection. That is to say, after the communication connection is established for the first time and before the payment request is sent, the communication connection established for the first time may be disconnected due to various reasons such as signal and network. In order to ensure the smooth progress of the payment transaction, it is necessary to Re-establish the communication connection. More specifically, when the communication connection is disconnected, the communication connection between the first client and the second client is re-established based on one or more of the following: transaction identifier, transaction amount, Timestamp, first client information, and second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • Step S806 sending a payment request to the second client through the communication connection, where the payment request indicates the first digital currency used for payment or the circulation identifier of the first digital currency, and the payment password.
  • an embodiment of the present application provides a payment method for digital currency applied to a first currency management device.
  • the method may specifically include the following steps:
  • Step S901 Receive a digital currency export request sent by the first client, where the digital currency export request indicates the transaction amount.
  • Step S902 generating a first digital currency corresponding to the transaction amount.
  • Step S903 delivering the first digital currency or the circulation identifier of the first digital currency to the first client.
  • Step S904 receiving the first digital currency or the circulation identifier of the first digital currency sent by the second currency management device corresponding to the second client.
  • Step S905 verifying the first digital currency or the circulation identifier.
  • the first currency management device can perform the following verification according to the digital currency record corresponding to the first client: judging the first digital currency or circulation Whether the identification is the recorded or stored first digital currency to verify the legitimacy of the source of the digital currency; or according to the identification of the currency management device indicated by the first digital currency, determine the identification of the currency management device and the first currency management device. Whether the device identifiers are consistent, verify the legitimacy of the source of the digital currency; or verify according to the signature of the currency management device included in the first digital currency, for example, the signature of the currency management device is generated using an asymmetric encryption algorithm.
  • the first money management device can decrypt the signature of the money management device in the first digital currency by using the private key corresponding to the public key when the signature information was generated to verify the reliability of the signature information. In this way, both the legitimacy of the source of the first digital currency and the security of the digital currency payment can be ensured.
  • the payment password corresponding to the transaction amount sent by the second currency management device corresponding to the second client is also received, and according to the first client
  • the digital currency record corresponding to the terminal is used to determine the password corresponding to the payment password and the recorded transaction amount.
  • the first currency management device updates the digital currency record corresponding to the first client, and the second currency management device generates an The second digital currency corresponding to the digital currency to realize the circulation of the digital currency between different clients.
  • Step S906 sending the verification result of the first digital currency or the circulation identifier to the second currency management device.
  • Step S907 in the case that the verification of the first digital currency or the circulation identification is passed, update the digital currency record corresponding to the first client.
  • the embodiment of the present application provides another payment method for digital currency applied to the first currency management device.
  • the method may specifically include the following steps:
  • Step S1001 Receive a digital currency export request sent by a first client, where the digital currency export request indicates a transaction amount.
  • Step S1002 generating a first digital currency corresponding to the transaction amount.
  • Step S1003 delivering the first digital currency or the circulation identifier of the first digital currency to the first client.
  • Step S1004 when the transaction amount is greater than the threshold amount, receive the first digital currency or the first digital currency's circulation identifier and the payment password sent by the second currency management device corresponding to the second client.
  • Step S1005 verifying the first digital currency or the circulation identifier and the payment password.
  • Step S1006 sending the verification result of the first digital currency or the circulation identifier and the payment password to the second currency management device.
  • Step S1007 in the case that the first digital currency or the circulation identifier and the payment password pass the verification, update the digital currency record corresponding to the first client.
  • the embodiment of the present application provides another payment method for digital currency applied to the second client.
  • the method specifically includes the following steps:
  • Step S1101 establishing a communication connection between the first client and the second client.
  • the second client and the first client may establish a communication connection between the first client and the second client based on any one of the following manners: wireless local area network, near field communication, and Bluetooth.
  • the second client may directly generate the transaction amount, and send the transaction amount to the first client through a communication connection between the first client and the second client transaction amount, so that the first client can obtain the payment password corresponding to the transaction amount when the transaction amount is greater than a threshold amount.
  • the first client can also directly generate the transaction amount.
  • Step S1102 in the case that the communication connection between the first client and the second client is disconnected, re-establish the communication connection between the first client and the second client.
  • the communication connection established for the first time may be disconnected due to various reasons such as signals and networks.
  • the communication connection needs to be re-established. Specifically, when the communication connection between the first client and the second client is disconnected, re-establish the A communication connection between the first client and the second client. More specifically, when the communication connection is disconnected, the communication connection between the first client and the second client may be re-established based on one or more of the following: transaction identifier, transaction amount , timestamp, first client information, and second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • Step S1103 Receive a payment request sent by the first client through the communication connection, where the payment request indicates the first digital currency used for payment or the circulation identifier of the first digital currency.
  • Step S1104 Send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request indicates the first digital currency or the circulation identifier, so that the second currency The management device pays the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client.
  • the payment request also indicates a payment password corresponding to the transaction amount; a digital currency redemption request is sent to the second currency management device corresponding to the second client, so The digital currency redemption request also indicates the payment password, so that the first currency management device verifies the payment password, so as to ensure the security of the large-amount digital currency payment transaction.
  • another digital currency payment method applied to the second client terminal may specifically include the following steps:
  • Step S1201 generating a transaction amount.
  • Step S1202 establishing a communication connection between the first client and the second client.
  • Step S1203 Send the transaction amount to the first client through the connection between the first client and the second client.
  • Step S1204 in the case that the communication connection between the first client and the second client is disconnected, re-establish the communication connection between the first client and the second client. Specifically, when the communication connection between the first client and the second client is disconnected, re-establish the A communication connection between the first client and the second client. More specifically, when the communication connection is disconnected, the communication connection between the first client and the second client may be re-established based on one or more of the following: transaction identifier, transaction amount , timestamp, first client information, and second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • Step S1205 Receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the first digital currency or the first number corresponding to the transaction amount Circulation identification of currency, and payment password.
  • Step S1206 Send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request indicates the first digital currency or the circulation identifier, and the payment password.
  • the embodiment of the present application provides a payment method for digital currency applied to a second currency management device.
  • the method may specifically include the following steps:
  • Step S1301 Receive a digital currency redemption request sent by the second client, the digital currency redemption request indicating the first digital currency sent by the first client for payment or the circulation identifier of the first digital currency.
  • the digital currency redemption request further indicates a payment password corresponding to the transaction amount.
  • Step S1302 sending the first digital currency or the circulation identifier of the first digital currency to the first currency management device corresponding to the first client, so that the first currency management device can monitor the first currency. A digital currency or the circulation identifier is verified.
  • Step S1303 Receive the verification result of the first digital currency or the circulation identifier by the first currency management device.
  • Step S1304 in the case that the verification of the first digital currency or the circulation identifier is passed, generate a second digital currency corresponding to the first digital currency, and update the digital currency record corresponding to the second client.
  • the digital currency redemption request further indicates a payment password corresponding to the transaction amount.
  • the second money management device sends the payment password to the first money management device, so that the first money management device verifies the payment password.
  • the first currency management device updates the digital currency record corresponding to the first client, and the second currency management device generates an The second digital currency corresponding to the digital currency to realize the circulation of the digital currency between different clients.
  • an embodiment of the present application provides a first client for digital currency payment, including: a transaction amount acquisition module 1402 , a payment request sending module 1404; wherein,
  • the transaction amount obtaining module 1402 is configured to generate a transaction amount, or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client;
  • the payment request sending module 1404 is configured to send a payment request to the second client through the communication connection, where the payment request indicates the first digital currency or the first digital currency corresponding to the transaction amount , so that the second currency management device corresponding to the second client can redeem the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • it further includes: a communication connection establishment module 1401; wherein,
  • the communication connection establishing module is configured to establish a communication connection between the first client and the second client based on any one of the following methods: wireless local area network, near field communication, and Bluetooth.
  • it further includes: a digital currency export module 1403; wherein,
  • the digital currency export module is configured to send a digital currency export request to the first currency management device, the digital currency export request indicating the transaction amount, so that the first currency management device generates a transaction with the transaction amount.
  • an embodiment of the present application provides a first client for digital currency payment, including: a communication connection establishment module 1501 , a transaction Amount obtaining module 1502, payment request sending module 1505; wherein,
  • the communication connection establishing module 1501 is used to establish a communication connection between the first client and the second client;
  • the transaction amount obtaining module 1502 configured to generate a transaction amount, or receive the transaction amount sent by the second client through the communication connection;
  • the communication connection establishment module 1501 is further configured to re-establish the communication connection between the first client and the second client when the communication connection between the first client and the second client is disconnected. communication connection;
  • the payment request sending module 1505 is configured to send a payment request to the second client through the communication connection, where the payment request indicates the first digital currency or the first digital currency corresponding to the transaction amount , so that the second currency management device corresponding to the second client can redeem the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client.
  • it further includes: a transaction amount verification module 1504; wherein,
  • the transaction amount verification module 1504 is configured to determine whether the transaction amount is greater than a threshold amount, and in the case that the transaction amount is greater than the threshold amount, obtain a payment password corresponding to the transaction amount;
  • the payment request also indicates the payment password.
  • the communication connection establishing module 1501 is configured to establish a communication connection between the first client and the second client based on any one of the following methods: a wireless local area network , Near Field Communication, Bluetooth.
  • the communication connection establishing module 1501 is configured to re-establish the first client and the said first client based on one or more of the following when the communication connection is disconnected Communication connection between the second clients: transaction identifier, transaction amount, timestamp, transaction counter, transaction flow, first client information, and second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • it further includes: a digital currency export module 1503; wherein,
  • the digital currency export module 1503 is configured to send a digital currency export request to the first currency management device, where the digital currency export request indicates the transaction amount, so that the first currency management device generates a The first digital currency corresponding to the transaction amount.
  • an embodiment of the present application provides a first currency management device for digital currency payment, including: an export request receiving module 1601 and a digital currency generating module 1602 , the digital currency issuing module 1603; wherein,
  • the export request receiving module 1601 is configured to receive a digital currency export request sent by the first client, where the digital currency export request indicates the transaction amount;
  • the digital currency generation module 1602 is used to generate the first digital currency corresponding to the transaction amount
  • the digital currency issuing module 1603 is used for issuing the first digital currency or the circulation identifier of the first digital currency to the first client.
  • it further includes: a digital currency verification module 1604; wherein,
  • the digital currency verification module 1604 is configured to, in the case of receiving the first digital currency or the circulation identifier sent by the second currency management device corresponding to the second client, verify the first digital currency or the circulation identification for verification;
  • the digital currency record corresponding to the first client is updated.
  • an embodiment of the present application provides a first currency management device for digital currency payment, including: an export request receiving module 1601 , a digital currency Generation module 1602, digital currency issuance module 1603; wherein,
  • the export request receiving module 1601 is configured to receive a digital currency export request sent by the first client, where the digital currency export request indicates the transaction amount;
  • the digital currency generation module 1602 is used to generate the first digital currency corresponding to the transaction amount
  • the digital currency issuing module 1603 is configured to issue the first digital currency or the circulation identifier of the first digital currency to the first client.
  • it further includes: a digital currency verification module 1604; wherein,
  • the digital currency verification module 1604 is configured to receive the first digital currency or the circulation identifier of the first digital currency sent by the second currency management device corresponding to the second client;
  • the digital currency record corresponding to the first client is updated.
  • the digital currency verification module 904 is further configured to:
  • the payment password is verified according to the digital currency record corresponding to the first client.
  • the embodiment of the present application provides a second client for digital currency payment, including: a payment request receiving module 1703, a digital currency currency exchange module 1704; wherein,
  • the payment request receiving module 1703 is configured to receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the first number corresponding to the transaction amount The currency or the circulation identifier of the first digital currency;
  • the digital currency redemption module 1704 is configured to send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request indicates the first digital currency or the circulation identifier, so that the The second currency management device pays the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the transaction amount generating module 1701 wherein,
  • the transaction amount generating module is configured to generate the transaction amount and send the transaction amount to the first client through the communication connection between the first client and the second client.
  • it further includes: a communication connection establishment module 1702; wherein,
  • the communication connection establishing module 1702 is configured to establish a communication connection between the first client and the second client based on any one of the following methods: wireless local area network, near field communication, and Bluetooth.
  • an embodiment of the present application provides a second client for digital currency payment, including: a communication connection establishment module 1802 , a payment Request receiving module 1803, redemption request sending module 1804; wherein,
  • the communication connection establishing module 1802 is used to establish a communication connection between the first client and the second client;
  • the communication connection establishing module 1802 is further configured to re-establish the communication connection between the first client and the second client when the communication connection between the first client and the second client is disconnected. communication connection;
  • the payment request receiving module 1803 is configured to receive a payment request sent by the first client through the communication connection, where the payment request indicates the first digital currency used for payment or the circulation of the first digital currency identification;
  • the redemption request sending module 1804 is configured to send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request indicates the first digital currency or the circulation identifier, so that the second currency management device can redeem the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client.
  • it further includes: a transaction amount generating module 1801;
  • the transaction amount generating module is configured to generate a transaction amount, and send the transaction amount to the first client through the communication connection between the first client and the second client, so that the first client The client obtains the payment password corresponding to the transaction amount when the transaction amount is greater than the threshold amount.
  • the payment request when the transaction amount is greater than a threshold amount, the payment request further indicates a payment password corresponding to the transaction amount;
  • the redemption request sending module 1804 is configured to send a digital currency redemption request to the second currency management device corresponding to the second client, where the digital currency redemption request also indicates the payment password.
  • the communication connection establishing module 1802 is configured to establish a communication connection between the first client and the second client based on any one of the following methods: a wireless local area network , Near Field Communication, Bluetooth.
  • the communication connection establishment module 1802 is configured to re-establish the first client and the said first client based on one or more of the following when the communication connection is disconnected Communication connection between the second clients: transaction identifier, transaction amount, timestamp, transaction counter, transaction flow, first client information, and second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • an embodiment of the present application provides a second currency management device for digital currency payment, including: a payment request receiving module 1901, a digital currency sending module Module 1902, verification result receiving module 1903, digital currency generation module 1904; wherein,
  • the redemption request receiving module 1901 is configured to receive a digital currency redemption request sent by the second client, the digital currency redemption request indicating the first digital currency or the first digital currency corresponding to the transaction amount sent by the first client Circulation identification of digital currency;
  • the digital currency sending module 1902 is configured to send the first digital currency or the circulation identifier to the first currency management device corresponding to the first client, so that the first currency management device can Verify the first digital currency or the circulation identifier;
  • the verification result receiving module 1903 is configured to receive the verification result of the first digital currency or the circulation identifier sent by the first currency management device;
  • the digital currency generation module 1904 is configured to generate a second digital currency corresponding to the transaction amount when the first digital currency or the circulation identification is verified, and update the corresponding second client terminal. digital currency records.
  • the embodiment of the present application provides a second currency management device for digital currency payment, including: a payment request receiving module 1901, a digital currency sending module Module 1902, verification result receiving module 1903, digital currency generation module 1904; wherein,
  • the redemption request receiving module 1901 is configured to receive a digital currency redemption request sent by the second client, where the digital currency redemption request indicates the first digital currency or the first digital currency sent by the first client for payment currency identification;
  • the digital currency sending module 1902 is configured to send the first digital currency or the circulation identifier of the first digital currency to the first currency management device corresponding to the first client, so that the first The currency management device verifies the first digital currency or the circulation identifier;
  • the verification result receiving module 1903 is configured to receive the verification result of the first digital currency or the circulation identification by the first currency management device;
  • the digital currency generation module 1904 is configured to generate a second digital currency corresponding to the first digital currency and update the second customer when the verification of the first digital currency or the circulation identification is passed.
  • the corresponding digital currency record of the terminal is configured to generate a second digital currency corresponding to the first digital currency and update the second customer when the verification of the first digital currency or the circulation identification is passed.
  • the digital currency redemption request when the transaction amount is greater than a threshold amount, the digital currency redemption request further indicates a payment password corresponding to the transaction amount, and the digital currency sending module 1902 is further configured to Sending the payment password to the first money management device to receive a verification result of the payment password.
  • the embodiment of the present application provides a digital currency payment system, including: a first client 2001, a second client 2002, and a first currency management corresponding to the first client The device 2003, the second currency management device 2004 corresponding to the second client.
  • the first client 2001 is configured to generate a transaction amount or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client, and send the transaction amount to the transaction through the communication connection.
  • the second client sends a payment request, where the payment request indicates the first digital currency corresponding to the transaction amount or a circulation identifier of the first digital currency;
  • the second client 2002 is configured to receive the payment request sent by the first client through the communication connection between the first client and the second client, and send the payment request to the second money management device corresponding to the second client sending a digital currency redemption request, the digital currency redemption request indicating the first digital currency or the circulation identifier;
  • the first currency management device 2003 is configured to receive a digital currency export request sent by a first client, where the digital currency export request indicates the transaction amount, generate a first digital currency corresponding to the transaction amount, and sending the first digital currency or the circulation identifier of the first digital currency to the first client;
  • the second currency management device 2004 is configured to receive a digital currency redemption request sent by the second client, and redeem the second digital currency corresponding to the transaction amount to the first currency management device corresponding to the first client.
  • the first client 2001 is configured to establish a communication connection between the first client and the second client, generate a transaction amount or obtain the transaction amount sent by the second client through the communication connection, and When the communication connection is disconnected, the communication connection between the first client and the second client is re-established, and a payment request is sent to the second client through the communication connection.
  • the request indicates the first digital currency corresponding to the transaction amount or a circulation identifier of the first digital currency;
  • the second client 2002 is configured to establish a communication connection between the first client and the second client, and when the communication connection is disconnected, re-establish the first client and the second client A communication connection between clients, receiving the payment request sent by the first client through the communication connection, and sending a digital currency redemption request to the second currency management device corresponding to the second client, the digital currency
  • the currency redemption request indicates the first digital currency or the circulation identifier
  • the first currency management device 2003 is configured to receive a digital currency export request sent by a first client, where the digital currency export request indicates the transaction amount, generate a first digital currency corresponding to the transaction amount, and sending the first digital currency or the circulation identifier of the first digital currency to the first client;
  • the second currency management device 2004 is configured to receive the digital currency redemption request sent by the second client, and redeem the second digital currency corresponding to the first digital currency to the first currency management device corresponding to the first client .
  • an embodiment of the present application provides a digital currency payment method applied to a digital currency payment system.
  • the method may specifically include the following steps :
  • Step S2101 the first client sends a digital currency export request to the first currency management device, where the digital currency export request indicates the transaction amount.
  • the transaction amount may refer to either the amount generated by the first client terminal according to the amount that actually needs to be paid, or the transaction amount received by the first client terminal and generated by the second client. Therefore, before sending the transaction amount to the first money management device, the first client also needs to generate the transaction amount or receive the second client through the communication connection between the first client and the second client The transaction amount sent. This embodiment is only described by taking the first client terminal directly generating the transaction amount as an example.
  • Step S2102 the first currency management apparatus receives the digital currency export request sent by the first client.
  • Step S2103 the first currency management device generates a first digital currency corresponding to the transaction amount. After the first digital currency is generated, the first currency management device updates the digital currency record corresponding to the first client to manage the circulation of the digital currency.
  • Step S2104 the first currency management device delivers the first digital currency or the circulation identifier of the first digital currency to the first client.
  • Step S2105 the first client terminal receives the first digital currency or the circulation identifier of the first digital currency issued by the first currency management device.
  • Step S2106 the first client establishes a communication connection with the second client.
  • the communication connection between the first client and the second client is established based on any one of the following manners: wireless local area network, near field communication, and Bluetooth.
  • Step S2107 the second client establishes the communication connection with the first client.
  • Step S2108 the first client sends a payment request to the second client through the same link, where the payment request indicates the first digital currency used for payment or the circulation identifier of the first digital currency.
  • Step S2109 the second client receives the payment request sent by the first client through the communication connection.
  • Step S2110 the second client sends a digital currency redemption request to the second currency management apparatus, where the digital currency redemption request indicates the first digital currency or a circulation identifier of the first digital currency.
  • Step S2111 the second currency management apparatus receives the digital currency redemption request sent by the second client.
  • Step S2112 the second currency management device sends the first digital currency or the circulation identifier of the first digital currency to the first currency management device.
  • Step S2113 the first currency management device receives the first digital currency or the circulation identifier of the first digital currency sent by the second currency management device.
  • Step S2114 the first currency management device verifies the first digital currency or the circulation identifier of the first digital currency.
  • Step S2115 the first currency management device sends the verification result of the first digital currency or the circulation identifier of the first digital currency to the second currency management device.
  • Step S2116 the second currency management device receives the verification result of the first digital currency or the circulation identifier of the first digital currency sent by the first currency management device.
  • Step S2117 in the case that the first digital currency or the circulation identifier of the first digital currency is verified, the second currency management device generates a second digital currency. At the same time, the second currency management device should update the digital currency record corresponding to the second client.
  • Step S2118 in the case that the verification of the first digital currency or the circulation identifier of the first digital currency is passed, the first currency management apparatus updates the digital currency record corresponding to the first client.
  • an embodiment of the present application provides a digital currency payment method applied to a digital currency payment system.
  • the method may specifically include the following steps :
  • Step S2201 the second client generates a transaction amount. It can be understood that the transaction amount may be generated by the second client or the first client, and this embodiment only takes the transaction amount generated by the second client as an example for description.
  • Step S2202 the second client establishes a communication connection with the first client.
  • the communication connection can be established by any one of wireless local area network, near field communication, Bluetooth and the like.
  • Step S2203 the first client establishes a communication connection with the second client.
  • the communication connection is established by any one of wireless local area network, near field communication, Bluetooth and the like.
  • Step S2204 the second client sends the transaction amount to the first client through the communication connection.
  • Step S2205 the first client receives the transaction amount sent by the second client through the communication connection.
  • Step S2206 the first client sends a digital currency export request to the first currency management apparatus, where the digital currency export request indicates the transaction amount.
  • Step S2207 the first currency management apparatus receives the digital currency export request sent by the first client.
  • Step S2208 the first currency management device generates a first digital currency corresponding to the transaction amount.
  • Step S2209 the first currency management apparatus delivers the first digital currency or the circulation identifier of the first digital currency to the first client.
  • Step S2210 the first client receives the first digital currency or the circulation identifier of the first digital currency under the first currency management device.
  • Step S2211 the first client determines whether the transaction amount is greater than a threshold amount.
  • Step S2212 when the transaction amount is greater than the threshold amount, the first client obtains a payment password corresponding to the transaction amount.
  • Step S2213 in the case that the communication connection is disconnected, the first client re-establishes the communication connection with the second client. Specifically, when the communication connection is disconnected, the communication connection between the first client and the second client is re-established based on one or more of the following: transaction identifier, transaction amount, time stamp, transaction counter, transaction flow, first client information, second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • Step S2214 in the case that the communication connection is disconnected, the second client re-establishes the communication connection with the first client. Specifically, when the communication connection is disconnected, the communication connection between the first client and the second client is re-established based on one or more of the following: transaction identifier, transaction amount, time stamp, first client information, and second client information. In this way, it can be guaranteed that the re-established communication connection is still used for the same payment transaction.
  • Step S2215 the first client sends a payment request to the second client through the re-established communication connection, the payment request indicates the first digital currency or the circulation identifier of the first digital currency, and the payment password .
  • Step S2216 the second client receives the payment request sent by the first client through the re-established communication connection.
  • Step S2217 the second client sends a digital currency redemption request to the second currency management device, where the digital currency redemption request indicates the first digital currency or the circulation identifier of the first digital currency, and the payment password.
  • Step S2218 the second currency management apparatus receives the digital currency redemption request sent by the second client.
  • Step S2219 the second currency management device sends the first digital currency or the circulation identifier of the first digital currency, and the payment password to the first currency management device.
  • Step S2220 the first currency management device receives the first digital currency or the circulation identifier of the first digital currency and the payment password sent by the second currency management device.
  • Step S2221 the first currency management device verifies the first digital currency or the circulation identifier of the first digital currency, and the payment password.
  • Step S2222 the first currency management device sends the first digital currency or the circulation identifier of the first digital currency and the verification result of the payment password to the second currency management device.
  • Step S2223 the second currency management device receives the first digital currency or the circulation identifier of the first digital currency and the verification result of the payment password sent by the first currency management device.
  • Step S2224 in the case that the first digital currency or the circulation identifier of the first digital currency and the payment password are verified, the second currency management device generates a second digital currency corresponding to the first digital currency. currency. In addition, the second currency management device also updates the digital currency record corresponding to the second client.
  • Step S2225 in the case that the first digital currency or the circulation identifier of the first digital currency and the payment password are verified, the first currency management device updates the digital currency record corresponding to the first client.
  • the embodiment of the present application provides another payment method for digital currency applied to the first client, and the specific steps are as follows:
  • Step S2301 generating a transaction amount, or acquiring the transaction amount sent by the second client through the communication connection between the first client and the second client.
  • Step S2302 sign the digital currency corresponding to the transaction amount.
  • the first client can use the private key of the first client to sign the digital currency corresponding to the transaction amount, so that the second client can use the public key corresponding to the first client to verify the signature information to ensure the digital currency Security and legitimacy of the source of money.
  • the first client can also use other signature methods agreed with the second client to encrypt the digital currency according to the actual situation, such as encrypting the digital currency by using the public key of the second client, so that the second client can use the private key to encrypt the digital currency. key to decrypt the digital currency.
  • the first client can also sign transaction information such as the transaction amount, transaction identifier, and timestamp, so as to further improve the security of the transaction.
  • the first client already has digital currency that can be directly used for transactions obtained through transactions, recharges, etc., without the need to export digital currency, which makes the payment method of digital currency more convenient. Convenient and versatile.
  • Step S2303 Send a payment request to the second client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client.
  • Step S2304 updating the digital currency corresponding to the first client terminal according to the transaction amount. Specifically, taking the digital currency denomination corresponding to the first client or the available balance of the digital currency as 80 as an example, if the transaction amount is 30, the updated digital currency denomination or the available balance of the digital currency corresponding to the first client is: 50.
  • the embodiment of the present application provides another payment method for digital currency applied to the first client.
  • the method may specifically include the following steps:
  • Step S2401 establishing a communication connection between the first client and the second client.
  • Step S2402 generating a transaction amount, or receiving the transaction amount sent by the second client through the communication connection.
  • Step S2403 sign the digital currency corresponding to the transaction amount.
  • the first client can use the private key of the first client to sign the digital currency corresponding to the transaction amount, so that the second client can use the public key corresponding to the first client to verify the signature information to ensure the digital currency Security and legitimacy of the source of money.
  • the first client can also use other signature methods agreed with the second client to encrypt the digital currency according to the actual situation, such as encrypting the digital currency by using the public key of the second client, so that the second client can use the private key to encrypt the digital currency. key to decrypt the digital currency.
  • the first client already has digital currency that can be directly used for transactions obtained through transactions, recharges, etc., without the need to export digital currency, which makes the payment method of digital currency more convenient. Convenient and versatile.
  • Step S2403 in the case that the communication connection is disconnected, re-establish the communication connection between the first client and the second client.
  • Step S2405 Send a payment request to the second client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client.
  • the payment request when the transaction amount is greater than a threshold amount, the payment request further indicates the payment password.
  • it also includes:
  • the digital currency corresponding to the first client is updated according to the transaction amount.
  • the communication connection between the first client and the second client is established based on any one of the following manners: wireless local area network, near field communication, and Bluetooth.
  • the communication connection between the first client and the second client is re-established based on one or more of the following: Transaction identifier, transaction amount, timestamp, transaction counter, transaction flow, first client information, and second client information.
  • the embodiment of the present application provides another payment method for digital currency applied to the second client, which may specifically include the following steps:
  • Step S2501 Receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates the digital currency corresponding to the transaction amount and the signature of the first client information.
  • Step S2502 verify the signature information of the first client, and update the digital currency of the second client according to the transaction amount when the verification is passed.
  • the second client uses the private key of the first client to decrypt the signature information for verification. It can be understood that, when the first client uses other methods such as the public key of the second client to perform encryption, the second client uses a corresponding method such as the private key of the second client to decrypt.
  • the embodiment of the present application provides another digital currency payment method applied to the second client.
  • the method may specifically include the following steps:
  • Step S2601 establishing a communication connection between the first client and the second client.
  • Step S2602 in the case that the communication connection is disconnected, re-establish the communication connection between the first client and the second client.
  • Step S2603 Receive a payment request sent by the first client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client.
  • the payment request when the transaction amount is greater than a threshold amount, the payment request further indicates a payment password corresponding to the transaction amount.
  • Step S2604 verify the signature information of the first client, and update the digital currency corresponding to the second client according to the digital currency corresponding to the transaction amount when the verification is passed.
  • the second client uses the private key of the first client to decrypt the signature information for verification. It can be understood that, in the case where the first client uses the public key of the second client and other methods for encryption, the second client uses the private key of the second client and other corresponding methods to decrypt.
  • the transaction amount is greater than the threshold amount, it is also necessary to verify the payment password corresponding to the transaction amount indicated by the payment request, if and only if the payment password and the verification information of the first client are passed.
  • the digital currency that can be directly used for the transaction corresponding to the second client is updated according to the digital currency corresponding to the transaction amount.
  • it also includes:
  • the client Before receiving the payment request sent by the first client through the communication connection, generate the transaction amount, and send the transaction amount to the first client through the communication connection, so that the first client The client obtains the payment password corresponding to the transaction amount when the transaction amount is greater than the threshold amount.
  • the communication connection between the first client and the second client is established based on any one of the following manners: wireless local area network, near field communication, and Bluetooth.
  • the communication connection between the first client and the second client is re-established based on one or more of the following: Transaction identifier, transaction amount, timestamp, transaction counter, transaction flow, first client information, and second client information.
  • the embodiment of the present application provides another first client for digital currency payment, including: a transaction amount acquisition module 2701, a digital currency signature module 2702, a payment request sending module 2703, and a digital currency update module 2704; wherein ,
  • the transaction amount obtaining module 2701 is configured to generate a transaction amount, or obtain the transaction amount sent by the second client through the communication connection between the first client and the second client;
  • the digital currency signature module 2702 is used to sign the data currency corresponding to the transaction amount
  • the payment request sending module 2703 is configured to send a payment request to the second client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client;
  • the digital currency update module 2704 is configured to update the digital currency corresponding to the first client terminal according to the transaction amount.
  • the embodiment of the present application provides another first client for digital currency payment, including: a communication connection establishment module 2801 , a transaction amount acquisition module 2802 , and a digital currency signature module 2804 , payment request sending module 2805; wherein,
  • the communication connection establishing module 2801 is used to establish a communication connection between the first client and the second client;
  • the transaction amount obtaining module 2802 is configured to generate a transaction amount, or receive the transaction amount sent by the second client through the communication connection;
  • the digital currency signature module 2804 is used to sign the digital currency corresponding to the transaction amount
  • the communication connection establishment module is further configured to re-establish the communication connection between the first client and the second client when the communication connection is disconnected;
  • the payment request sending module 2805 is configured to send a payment request to the second client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client .
  • it further includes: a digital currency update module 2806; wherein,
  • the digital currency update module 2806 is configured to update the digital currency corresponding to the first client terminal according to the transaction amount.
  • it further includes: a payment password acquisition module 2802;
  • the payment password acquisition module 2802 is used to judge whether the transaction amount is greater than the threshold amount, and in the case that the transaction amount is greater than the threshold amount, acquire the payment password corresponding to the transaction amount;
  • the payment request also indicates the payment password.
  • the communication connection establishing module 2801 is configured to establish a communication connection between the first client and the second client based on any one of the following methods: a wireless local area network , Near Field Communication, Bluetooth.
  • the communication connection establishment module 2801 is configured to re-establish the first client and the said first client based on one or more of the following when the communication connection is disconnected Communication connection between the second clients: transaction identifier, transaction amount, timestamp, transaction counter, transaction flow, first client information, and second client information.
  • the embodiment of the present application provides another second client for digital currency payment, including: a payment request receiving module 2901 and a signature information verification module 2902; wherein,
  • the payment request receiving module 2901 is configured to receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates a number corresponding to the transaction amount Currency, signature information of the first client;
  • the signature information verification module 2902 is configured to verify the signature information of the first client, and update the digital currency of the second client according to the transaction amount when the verification is passed.
  • the embodiment of the present application provides another second client for digital currency payment, including: a communication connection establishment module 3001 , a payment request receiving module 3003 , and a digital currency verification module 3004 ;in,
  • the communication connection establishment module 3001 is used to establish a communication connection between the first client and the second client;
  • the communication connection establishing module 3001 is further configured to re-establish the communication connection between the first client and the second client when the communication connection is disconnected;
  • the payment request receiving module 3003 is configured to receive a payment request sent by the first client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client;
  • the digital currency verification module 3004 is used to verify the signature information of the first client, and if the verification is passed, update the digital currency corresponding to the second client according to the digital currency corresponding to the transaction amount .
  • it further includes: a transaction amount obtaining module 3002; wherein,
  • the transaction amount obtaining module 3002 is configured to generate the transaction amount before receiving the payment request sent by the first client through the communication connection, and send the transaction amount to the first client through the communication connection. the transaction amount.
  • the first client determines whether the transaction amount is greater than a threshold amount, so as to obtain the payment password corresponding to the transaction amount when the transaction amount is greater than the threshold amount.
  • the payment request when the transaction amount is greater than a threshold amount, the payment request further indicates a payment password corresponding to the transaction amount; In the case of passing, the digital currency corresponding to the second client is updated according to the digital currency corresponding to the transaction amount.
  • the communication connection establishing module 3001 is configured to establish a communication connection between the first client and the second client based on any one of the following methods: a wireless local area network , Near Field Communication, Bluetooth.
  • the communication connection establishment module 3001 is configured to re-establish the first client and the said first client based on one or more of the following when the communication connection is disconnected Communication connection between the second clients: transaction identifier, transaction amount, timestamp, transaction counter, transaction flow, first client information, and second client information.
  • an embodiment of the present application provides another digital currency payment system, including: a first client 3101 and a second client 3102 .
  • the first client 3101 is used to generate a transaction amount, or obtain the transaction amount sent by the second client through a communication connection between the first client and the second client ; Sign the data currency corresponding to the transaction amount; send a payment request to the second client through the communication connection, and the payment request indicates the digital currency corresponding to the transaction amount, the first client's Signature information; update the digital currency corresponding to the first client according to the transaction amount;
  • the second client 3102 is configured to receive a payment request sent by the first client through the communication connection between the first client and the second client, where the payment request indicates a number corresponding to the transaction amount Currency, the signature information of the first client; verify the signature information of the first client, and update the digital currency of the second client according to the transaction amount if the verification is passed.
  • the first client 3101 is used to establish a communication connection between the first client and the second client; generate a transaction amount, or receive the second client through the communication connection The transaction amount sent by the client; the digital currency corresponding to the transaction amount is signed; when the communication connection is disconnected, re-establish the communication between the first client and the second client.
  • a communication connection sending a payment request to the second client through the communication connection, where the payment request indicates the digital currency corresponding to the transaction amount and the signature information of the first client.
  • the second client 3102 is used to establish a communication connection between the first client and the second client; when the communication connection is disconnected, re-establish the first client and the second client A communication connection between clients; receiving a payment request sent by the first client through the communication connection, the payment request indicating the digital currency corresponding to the transaction amount and the signature information of the first client; The signature information of the first client is verified, and if the verification is passed, the digital currency corresponding to the second client is updated according to the digital currency corresponding to the transaction amount.
  • FIG. 32 is a schematic diagram of main modules of a security chip for digital currency storage provided according to an embodiment of the present application.
  • a security chip 3200 for digital currency storage includes: a storage module 3201 and a first communication module 3202; wherein,
  • the storage module 3201 is used to store confidential information related to digital currency
  • the first communication module 3202 is configured to, when receiving an information request sent by an application or a terminal, send the confidential information to the application or the terminal according to the information request; The application or terminal for the transaction of the digital currency.
  • the confidential information related to digital currency can be any one or more: the private key and public key of the first user corresponding to the terminal, the public key of the second user designated by the first user, the currency management device the public key, digital currency, identification information of the digital currency, the threshold of the number of transactions of the digital currency, the offline duration threshold of the digital currency, the payment key of the user, the payment amount of the user, the Status information of the application, identification information of the application, and identification information of the terminal.
  • the second user designated by the first user may be a second user who conducts transactions with the first user or a fixed contact designated by the first user.
  • the fixed contact has also traded with the first user or
  • a user who is ready to conduct a transaction that is, the public key of the second user can be used for the transaction between the first user and the second user using digital currency.
  • the currency management device corresponds to an operating organization (such as a bank) of the digital currency, and the public key of the currency management device is the public key of the corresponding digital currency operating organization.
  • the identification information of the digital currency may be the circulation identification of the digital currency, and the circulation identification may be in the form of a character string or a two-dimensional code.
  • the threshold for the number of transactions of digital currency is used to verify the number of transactions of digital currency. For each transaction of digital currency, the number of transactions increases by one, and only when the number of transactions of digital currency is less than the threshold of the number of transactions, it is allowed to use the digital currency to continue trading. .
  • the offline duration threshold of the digital currency is used to verify the offline duration of the digital currency. Only when the offline duration of the digital currency is less than the offline duration threshold, the digital currency is allowed to continue trading.
  • the user's payment key can be a user-defined key for digital currency, which can be in various forms such as character strings, voiceprints or facial features.
  • digital currency for payment transactions
  • the user needs to enter the corresponding payment key.
  • the payment transaction is only allowed when the payment key entered by the user is the same as the payment key stored in the security chip.
  • the user's payment limit can be the maximum amount of digital currency that the user can spend when performing a single transaction, or the total amount of digital currency that the user can use within a certain period of time.
  • the application can be a wallet that manages digital currency in the terminal, and the status information of the application is the status of the wallet that manages digital currency, such as a logged-in state or an unlogged-in state. Confidential information is obtained from the chip.
  • the identification information of the application may be identification information such as the ID of the wallet that manages the digital currency.
  • the identification information of the terminal can be the identification code of the terminal, etc. When using digital currency to conduct transactions, the corresponding digital currency information can be obtained by reading the identification code of the terminal, so as to conduct digital currency transactions according to the identification code of the terminal.
  • the storage module 3201 is configured to determine the storage state of the confidential information according to the confidentiality level of the confidential information, and according to the storage state The secret information is stored; wherein the storage state indicates whether the secret information is visible to the user.
  • the security level of the confidential information may be determined by the currency management device corresponding to the security chip. After the currency management device determines the security level of the information related to the digital currency, it sends the information related to the digital currency and its security level to The terminal where the security chip is located enables the terminal to determine the confidential information that can be stored in the security chip according to the security level of the information, and then store the confidential information in the security chip according to the storage states corresponding to different security levels.
  • the information related to digital currency is determined into three security levels, of which the first level is the highest level of security, and the corresponding security information is stored in the security chip in a storage state that is invisible to the user.
  • the first level has a lower security level than the first level, and the corresponding confidential information is stored in the security chip in a storage state visible to the user, for example, digital currency, digital currency identification information, digital currency transaction times threshold, The offline duration threshold of digital currency belongs to the second level.
  • the third level is the lowest level of confidentiality, and corresponding information may not be stored in the security chip, such as the user's identification information (user's login name, etc.) and the available balance of digital currency.
  • the first communication module is configured to send to the application or terminal prompt information about updating the digital currency online and/or limiting the number of transactions .
  • the preset threshold may be determined according to the total storage space of the security chip, for example, the preset threshold is 10% of the total storage space of the security chip.
  • the total storage space of the security chip refers to the storage space related to digital currency transactions.
  • the available storage space of the security chip when the available storage space of the security chip is less than 10% of its total storage space, it means that the confidential information saved in the security chip occupies a large space, and the transaction of digital currency will inevitably generate corresponding Transaction information, and the digital currency itself occupies the corresponding storage space. If the number of transactions is not limited, the security chip may not be able to store the digital currency and the corresponding transaction information in the continuing transaction process, thereby reducing the transaction security and success rate. Therefore, in this embodiment of the present application, when the available storage space of the security chip is less than the preset threshold, prompt information for limiting the number of transactions is sent.
  • the limited number of transactions corresponding to the prompt information is related to the preset threshold, the space occupied by digital currency, and the storage space required for transaction information.
  • the preset threshold is 500 bytes
  • each The space occupied by digital currency needs to be 400 bytes
  • the space occupied by other transaction information needs to be 200 bytes, indicating that when the available storage space of the security chip is less than the preset threshold, if the transaction continues, the security chip cannot store the next transaction process.
  • the number of transactions is limited to 0, that is, the number of transactions cannot be continued.
  • the storage space of the security chip is less than the preset threshold, prompt information about the online update of digital currency can also be output. Therefore, when the user of the application or terminal goes online to update the digital currency according to the prompt information, the plurality of digital currencies can be combined into a corresponding denomination digital currency according to the plurality of digital currencies stored in the security chip and the corresponding transaction information. For example, digital currency A with a face value of 10, digital currency B with a face value of 20, and digital currency C with a face value of 30 are stored in the security chip. Three digital currencies were updated to one digital currency with a denomination of 60. Therefore, by prompting the user to update online, multiple digital currencies stored in the security chip are combined into one digital currency, thereby increasing the available storage space of the security chip, thereby facilitating the success of subsequent transactions.
  • Embodiment 1 According to the total storage space of the security chip, preset the upper limit of the number of transactions (such as the upper limit of the number of receipts and/or the upper limit of the number of payments), after each successful transaction, according to the remaining number of transactions (the upper limit of the number of transactions and the total number of transactions difference) to issue a prompt message.
  • the total storage space here is also the storage space related to digital currency transactions in the security chip.
  • Embodiment 2 According to the available storage space of the security chip, determine the total number of remaining transactions (such as the total number of remaining receipts and/or the total number of payments remaining), and after each subsequent transaction is successful, send a prompt according to the remaining number of transactions information.
  • the available storage space here refers to the remaining storage space related to digital currency in the security chip as the digital currency transaction proceeds, and the available storage space may be less than or equal to the total storage space of the security chip.
  • Embodiment 3 When the available storage space is less than the preset threshold, for example, when the preset threshold is 100K, if the current available storage space is 100K, or the current storage space is only 90K, an online update digital currency, and/or Or a prompt message to limit the number of transactions.
  • the preset threshold is 100K
  • the current available storage space is 100K
  • the current storage space is only 90K
  • an online update digital currency and/or Or a prompt message to limit the number of transactions.
  • the storage module of the security chip stores the confidential information related to the digital currency.
  • the confidential information is sent to the application or terminal, thereby realizing the safe storage of the confidential information related to the digital currency, ensuring the security of the confidential information, and further improving the security of the digital currency transaction.
  • FIG. 33 is a schematic diagram of main steps of a method for applying a security chip for digital currency storage according to an embodiment of the present application.
  • an application method of a security chip for digital currency storage may include the following steps:
  • Step S3301 Store confidential information related to digital currency.
  • Step S3302 When receiving the information request sent by the application or terminal, send the confidential information to the application or the terminal according to the information request; wherein, the application or terminal uses the digital currency to conduct transactions application or terminal.
  • the confidential information includes any one or more of the following: the private key and public key of the first user corresponding to the terminal, the public key of the second user specified by the first user, The public key of the currency management device, the digital currency, the identification information of the digital currency, the transaction frequency threshold of the digital currency, the offline duration threshold of the digital currency, the user's payment key, and the user's payment amount , the status information of the application, the identification information of the application, and the identification information of the terminal.
  • the security chip may determine the storage state of the confidential information according to the confidentiality level of the confidential information; store the confidential information according to the storage state; wherein the storage state indicates the Whether confidential information is visible to users.
  • the storage module of the security chip stores the confidential information related to the digital currency.
  • the confidential information is sent to the application or terminal, thereby realizing the safe storage of the confidential information related to the digital currency, ensuring the security of the confidential information, and improving the security of the digital currency transaction. .
  • FIG. 34 is a schematic diagram of main modules of a first terminal for digital currency storage provided according to an embodiment of the present application.
  • a first terminal for digital currency storage includes: an application 3401 for conducting transactions using the digital currency, and the security chip 3200 provided in any of the above embodiments; wherein,
  • the security chip 3200 is used to store confidential information related to digital currency
  • the application 3401 is configured to send an information request to the security chip 3200 when a transaction request related to the digital currency is received, so as to obtain the digital currency from the security chip 3200 according to the information request. related confidential information.
  • the security chip 3401 is in the form of full terminal, SIM card (Subscriber Identity Module Card, user identification card) or SD card (Secure Digital Memory Card, secure digital card), IC chip, SIF, PSAM (pilot symbol assisted modulation), etc. set in the first terminal.
  • the connection between the first terminal body and the security chip can be established through the SWP (Single Wire Protocol, single wire protocol) interface or the internal interface, and the connection between the application and the security chip can be established through the OMA (Open Mobile Alliance, Open Mobile Alliance) channel.
  • the first terminal body can call the application through a system call command (eg OS-API).
  • the security chip can store the confidential information according to the confidentiality level of the information, and the security level can be determined by the currency management device corresponding to the first terminal.
  • the currency-related information and its security level are sent to the first terminal, so that the first terminal can store the security information according to the security level of the information.
  • the first terminal further includes a processing module 3402; wherein the processing module 3402 is configured to receive the security level of the digital currency-related information sent by the currency management device; according to the security level, from The confidential information that can be stored in the security chip is determined from the information, and the confidential information is stored in the security chip.
  • the security chip When the security chip stores confidential information, it can store the confidential information in the security chip according to the storage states corresponding to different security levels.
  • the information related to digital currency is determined into three security levels, of which the first level is the highest level of security, and the corresponding security information is stored in the security chip in a storage state that is invisible to the user.
  • the private key and public key of the first user, the public key of the second user designated by the first user, and the like all belong to the first level.
  • the second level has a lower security level than the first level, and the corresponding confidential information is stored in the security chip in a storage state visible to the user, for example, digital currency, digital currency identification information, digital currency transaction times threshold,
  • the offline duration threshold of digital currency belongs to the second level.
  • the third level is the lowest level of confidentiality, and corresponding information may not be stored in the security chip, such as the user's identification information (user's login name, etc.) and the available balance of digital currency.
  • the processing module can also determine the security level of the security chip, and then determine the transaction amount threshold related to the digital currency according to the security level of the security chip. For example, when the security level of the security chip is higher, the corresponding transaction amount threshold is larger, that is, in each transaction, the amount of digital currency allowed to be traded is larger.
  • the security level of the security chip can be customized and configured in advance according to business requirements. For example, different types of security chips are configured to correspond to different security levels.
  • the application 3401 is further configured to verify the transaction request according to the confidential information, and determine whether to execute the transaction corresponding to the transaction request according to the verification result.
  • the application using digital currency for transaction may be a wallet for managing digital currency in the first terminal.
  • the application 3401 receives a transaction request related to digital currency sent by the second terminal, it can obtain the corresponding confidential information from the security chip to verify the transaction information indicated by the transaction request according to the confidential information, and then determine whether to Execute the transaction corresponding to the transaction request.
  • the transaction request may be automatically generated by the second terminal (payer) during the transaction.
  • the second user corresponding to the second terminal wants to use digital currency to transfer money for the first user (payee) corresponding to the first terminal.
  • a transaction request corresponding to the transfer transaction can be generated.
  • the transaction information not only indicates transaction information such as transaction amount, transaction identification and transaction time, but also indicates the digital currency to be traded.
  • the first terminal can obtain the public key of the second user corresponding to the second terminal from the security chip, and use the public key of the second user to perform the transaction information on the transaction information.
  • Decrypt obtain the decrypted transaction information, and verify the decrypted transaction information to determine whether the digital currency indicated by the transaction request is credible.
  • the transaction corresponding to the transaction request can be executed according to the verification result. That is, the first terminal can conduct transactions with the second terminal according to the verification result.
  • the digital currency generally includes a signature generated by the corresponding currency management device according to its private key.
  • the first terminal can obtain the public key of the currency management device from the security chip, and use the digital currency indicated by the transaction request. The currency is verified, and when it is verified that the digital currency is credible, the transaction is conducted with the second terminal according to the credible digital currency.
  • the application can also be used to encrypt the transaction information indicated by the transaction request according to the confidential information, and send the encrypted transaction information to the transaction request the indicated second terminal.
  • the first terminal is the payer
  • the second terminal is the payee.
  • the first terminal may first obtain the private key of the first user from its security chip, use the private key of the first user to sign the corresponding transaction information, and then send the signed transaction information to the second terminal.
  • the second terminal can obtain the public key of the first user from its security chip, and then use the public key of the first user to verify the received transaction information. Transactions can be made with the first terminal.
  • the security chip in the first terminal stores confidential information related to digital currency
  • the application in the first terminal receives a transaction request
  • the corresponding confidential information can be obtained from the security chip, and the transaction request can be verified by using the confidential information, and then whether to execute the transaction corresponding to the transaction request is determined according to the verification result.
  • the secure storage of the confidential information related to digital currency through the security chip, and the access control of the security chip enables the application in the first terminal to obtain the confidential information during the transaction, thereby ensuring the security of the confidential information, thereby improving the security of the confidential information. security in digital currency transactions.
  • FIG. 35 is a schematic diagram of main steps of an application method of a first terminal for digital currency storage according to an embodiment of the present application.
  • an application method of a first terminal for digital currency storage may include the following steps:
  • Step S3501 use a security chip to store confidential information related to digital currency.
  • Step S3502 When a transaction request related to the digital currency is received, an information request is sent to the security chip, so as to obtain confidential information related to the digital currency from the security chip according to the information request.
  • using a security chip to store confidential information related to digital currency includes: receiving a security level of the information related to digital currency sent by a currency management device; determining from the information according to the security level The secret information that can be stored in the security chip, and the secret information is stored in the security chip.
  • the application in the first terminal may further verify the transaction request according to the confidential information, and determine whether to execute the transaction corresponding to the transaction request according to the verification result.
  • the application in the first terminal may further encrypt the transaction information indicated by the transaction request according to the confidential information, and send the encrypted transaction information to the first terminal indicated by the transaction request.
  • the confidential information related to the digital currency is stored by the security chip in the first terminal, and when the application in the first terminal receives When a transaction request is made, the corresponding confidential information can be obtained from the security chip, and the transaction request can be verified by using the confidential information, and then whether to execute the transaction corresponding to the transaction request is determined according to the verification result.
  • the secure storage of the confidential information related to digital currency through the security chip, and the access control of the security chip enables the application in the first terminal to obtain the confidential information during the transaction, thereby ensuring the security of the confidential information, thereby improving the security of the confidential information. security in digital currency transactions.
  • FIG. 36 is a schematic diagram of main modules of a currency management device for digital currency storage provided according to an embodiment of the present application.
  • a currency management device for digital currency storage includes: a level determination module 3601 and a second communication module 3602; wherein,
  • the level determination module 3601 is used to determine the security level of information related to digital currency
  • the second communication module 3602 is configured to send the information and the confidentiality level of the information to the terminal that uses the digital currency to conduct transactions; make the terminal determine the confidential information according to the confidentiality level of the information, and The secret information is stored in the security chip of the terminal.
  • an application method of a currency management device for digital currency storage may include the following steps:
  • Step S3701 Determine the security level of the information related to the digital currency.
  • Step S3702 Send the information and the confidentiality level of the information to the terminal that uses the digital currency to conduct transactions; make the terminal determine the confidential information according to the confidentiality level of the information, and store the confidential information in the terminal. in the security chip of the terminal.
  • the security chip can store the confidential information according to the confidentiality level of the information, and the security level can be determined by the currency management device corresponding to the first terminal.
  • the currency-related information and its security level are sent to the first terminal, so that the first terminal can store the security information according to the security level of the information.
  • the currency management device may determine the information related to digital currency into three security levels, of which the first level is the highest level of security, and the corresponding security information is stored in the security chip in a storage state that is invisible to the user .
  • the private key and public key of the first user, the public key of the second user designated by the first user, and the like all belong to the first level.
  • the second level has a lower security level than the first level, and the corresponding confidential information is stored in the security chip in a storage state visible to the user, for example, digital currency, digital currency identification information, digital currency transaction times threshold,
  • the offline duration threshold of digital currency belongs to the second level.
  • the third level is the lowest level of confidentiality, and corresponding information may not be stored in the security chip, such as the user's identification information (user's login name, etc.) and the available balance of digital currency.
  • FIG. 38 shows an exemplary system architecture 3800 of a digital currency payment method or a digital currency payment device to which embodiments of the present application can be applied.
  • the system architecture 3800 may include terminal devices 3801 , 3802 , 3803 , a network 3804 and a server 3805 .
  • the network 3804 is a medium used to provide a communication link between the terminal devices 3801 , 3802 , 3803 and the server 3805 .
  • Network 3804 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.
  • the user can use the terminal devices 3801, 3802, 3803 to interact with the server 3805 through the network 3804 to receive or send messages and the like.
  • Various communication client applications may be installed on the terminal devices 3801 , 3802 and 3803 , such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, and the like.
  • the terminal devices 3801, 3802, 3803 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers, and the like.
  • the server 3805 may be a server that provides various services, for example, a background management server that provides support for shopping websites browsed by the terminal devices 3801 , 3802 and 3803 .
  • the background management server can analyze and process the received product information query request and other data, and feed back the processing result to the terminal device.
  • the payment method for digital currency provided by the embodiments of the present application is generally performed by the server 3805 , and accordingly, the payment device for digital currency is generally set in the server 3805 .
  • terminal devices, networks and servers in FIG. 38 are merely illustrative. There can be any number of terminal devices, networks and servers according to implementation needs.
  • FIG. 39 shows a schematic structural diagram of a computer system 1900 suitable for implementing the terminal device of the embodiment of the present application.
  • the terminal device shown in FIG. 39 is only an example, and should not impose any limitations on the functions and scope of use of the embodiments of the present application.
  • a computer system 3900 includes a central processing unit (CPU) 3901, which can be loaded into a random access memory (RAM) 3903 according to a program stored in a read only memory (ROM) 3902 or a program from a storage section 3908 Instead, various appropriate actions and processes are performed.
  • RAM random access memory
  • ROM read only memory
  • various programs and data necessary for the operation of the system 3900 are also stored.
  • the CPU 3901, the ROM 3902, and the RAM 3903 are connected to each other through a bus 3904.
  • An input/output (I/O) interface 3905 is also connected to bus 3904.
  • the following components are connected to the I/O interface 3905: an input section 3906 including a keyboard, a mouse, etc.; an output section 3907 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 3908 including a hard disk, etc. ; and a communication section 3909 including a network interface card such as a LAN card, a modem, and the like.
  • the communication section 3909 performs communication processing via a network such as the Internet.
  • Drivers 3910 are also connected to I/O interface 3905 as needed.
  • a removable medium 3911 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is mounted on the drive 3910 as needed so that a computer program read therefrom is installed into the storage section 3908 as needed.
  • embodiments disclosed herein include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the method illustrated in the flowchart.
  • the computer program may be downloaded and installed from the network through the communication portion 3909, and/or installed from the removable medium 3911.
  • CPU central processing unit
  • the computer-readable medium shown in this application may be a computer-readable signal medium or a computer-readable storage medium, or any combination of the above two.
  • the computer-readable storage medium can be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus or device, or a combination of any of the above. More specific examples of computer readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer disks, hard disks, random access memory (RAM), read only memory (ROM), erasable Programmable read only memory (EPROM or flash memory), fiber optics, portable compact disk read only memory (CD-ROM), optical storage devices, magnetic storage devices, or any suitable combination of the foregoing.
  • a computer-readable storage medium can be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.
  • a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code therein. Such propagated data signals may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • a computer-readable signal medium can also be any computer-readable medium other than a computer-readable storage medium that can transmit, propagate, or transport the program for use by or in connection with the instruction execution system, apparatus, or device .
  • Program code embodied on a computer readable medium may be transmitted using any suitable medium including, but not limited to, wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
  • each block in the flowchart or block diagrams may represent a module, segment, or portion of code that contains one or more logical functions for implementing the specified functions executable instructions.
  • the functions noted in the blocks 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 the blocks may sometimes be executed in the reverse order, depending upon the functionality involved.
  • the modules involved in the embodiments of the present application may be implemented in a software manner, and may also be implemented in a hardware manner.
  • the described module can also be set in the processor, for example, it can be described as: a processor includes: a transaction amount acquisition module and a payment request sending module.
  • a processor includes: a transaction amount acquisition module and a payment request sending module.
  • the names of these modules do not constitute a limitation of the module itself under certain circumstances, for example, the transaction amount acquisition module can also be described as "used to generate transaction amount, or through the first client and the second client.
  • the communication connection between the modules for obtaining the transaction amount sent by the second client can be implemented in a software manner, and may also be implemented in a hardware manner.
  • the described module can also be set in the processor, for example, it can be described as: a processor includes: a transaction amount acquisition module and a payment request sending module.
  • the names of these modules do not constitute a limitation of the module itself under certain circumstances, for example, the transaction amount acquisition module can
  • the present application also provides a computer-readable medium.
  • the computer-readable medium may be included in the device described in the above embodiments, or may exist alone 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 includes: obtaining the transaction amount sent by the second client through a communication connection; sending a payment request to the second client through the communication connection, the payment request indicating the first digital currency or the first digital currency corresponding to the transaction amount The circulation identifier of the first digital currency, so that the second currency management device corresponding to the second client can redeem the second number corresponding to the transaction amount to the first currency management device corresponding to the first client currency.
  • 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 includes: establishing a communication connection between the first client and the second client; generating a transaction amount, or receive the transaction amount sent by the second client through the communication connection; determine whether the transaction amount is greater than the threshold amount, and in the case that the transaction amount is greater than the threshold amount, obtain the transaction amount with the transaction amount corresponding payment password; send a payment request to the second client through the communication connection, the payment request indicates the first digital currency used for payment or the circulation identifier of the first digital currency, and in the transaction In the case where the amount is greater than the threshold amount, the payment request further indicates the payment password, so that the second currency management device corresponding to the second client pays the first currency management device corresponding to the first client a second digital currency corresponding to the first digital currency.
  • 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 includes: storing confidential information related to digital currency; When an information request is made, the confidential information is sent to the application or the terminal according to the information request; wherein the application or the terminal is an application or terminal that uses the digital currency to conduct transactions.
  • the first digital currency or the identifier of the first digital currency used for payment is transmitted through the communication connection between the first client and the second client, so that the second client sends the corresponding
  • the second currency management device redeems the first digital currency corresponding to the first digital currency, and realizes the online payment of the digital currency and the transfer between different clients, which is convenient and fast.
  • the first digital currency or the identifier of the first digital currency used for payment is transmitted through the communication connection between the first client and the second client, so that the second client sends the corresponding
  • the second currency management device redeems the first digital currency corresponding to the first digital currency, which realizes the online payment of the digital currency and the transfer between different clients, which is convenient and fast;
  • the communication connection corresponding to the payment transaction is re-established to ensure the payment transaction. normal progress.
  • the storage module of the security chip stores confidential information related to digital currency, and when receiving an information request sent by an application or terminal that uses the digital currency to conduct transactions, the confidential information is stored. It is sent to the application or terminal, thereby realizing the safe storage of confidential information related to digital currency, ensuring the security of confidential information, and thus improving the security of digital currency transactions.

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Abstract

一种数字货币的支付方法、装置、系统安全芯片及应用方法，涉及计算机技术领域。该支付方法包括：生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。该方法基于不同客户端之间的通信连接，实现了数字货币的在线支付，既方便又快捷。

Description

数字货币的支付方法、装置、系统安全芯片及应用方法
本申请要求于2021年4月16日提交的题为“一种数字货币的支付方法、装置和系统”的中国专利申请No.202110414597.4、于2021年4月16日提交的题为“一种数字货币的支付方法、装置和系统”的中国专利申请No.202110414600.2、以及于2021年4月16日提交的题为“一种安全芯片、终端及货币管理装置及其应用方法”的中国专利申请No.202110414592.1，在此全文引用上述中国专利申请公开的内容以作为本申请的一部分或全部。
技术领域
本申请涉及计算机技术领域，尤其涉及数字货币的支付方法、装置、系统安全芯片及应用方法。
背景技术
在数字经济时代，数字货币因其低成本和便捷性等特点，日益受过各国银行以及消费者的关注，而将数字货币用于支付则是实现数字货币流通及应用的关键。
与传统的电子支付方式不同的是，传统电子方式支付时所用的钱均是通过银行账户而来，即实际上仍对应着一张张纸币，而数字货币本身就是钱，使用数字货币进行支付就是直接用钱在支付，因而目前现有的电子支付方案无法适用于数字货币的支付。
申请内容
有鉴于此，本申请实施例提供了一种数字货币的支付方法、装置、系统安全芯片及应用方法，能够基于不同客户端之间的通信连接实现数字货币的在线支付，方便快捷。
为实现上述目的，根据本申请实施例的第一方面，提供了一种数 字货币的支付方法，应用于第一客户端，包括：
生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
可选地，在所述生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额之前，还包括：建立第一客户端与第二客户端之间的通信连接；
在所述生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额之后，所述通过所述通信连接向所述第二客户端发送支付请求之前，还包括：
在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
可选地，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
可选地，上述数字货币的支付方法，还包括：
在通过所述通信连接向所述第二客户端发送支付请求之前，判断所述交易金额是否大于阈值金额，在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；
在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
可选地，上述数字货币的支付方法，还包括：
向所述第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。
第二方面，本申请实施例提供一种数字货币的支付方法，应用于第一货币管理装置，包括：
接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额；
生成与所述交易金额对应的第一数字货币；
将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
可选地，在接收到第二客户端对应的第二货币管理装置发送的第一数字货币或所述流通标识的情况下，对所述第一数字货币或所述流通标识进行验证；
将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置；
在所述第一数字货币或所述流通标识验证通过的情况下，更新所述第一客户端对应的数字货币记录。
可选地，所述对所述第一数字货币或所述流通标识进行验证，包括：
根据所述第一客户端对应的数字货币记录，对所述第一数字货币或所述流通标识进行验证。
可选地，上述第二方面实施例的数字货币的支付方法，还包括：
在所述交易金额大于阈值金额的情况下，接收第二客户端对应的第二货币管理装置发送的与所述交易金额对应的支付密码；
根据所述第一客户端对应的数字货币记录，对所述支付密码进行 验证。
第三方面，本申请实施例提供一种数字货币的支付方法，应用于第二客户端，包括：
通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
可选地，在所述接收第一客户端发送的支付请求之前，还包括：建立第一客户端与第二客户端之间的通信连接；
在所述接收第一客户端发送的支付请求之后，在所述向第二客户端对应的第二货币管理装置发送数字货币兑付请求之前，还包括：在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接。
可选地，上述第三方面实施例的数字货币的支付方法，还包括：
生成所述交易金额，并通过所述第一客户端与第二客户端之间的通信连接向所述第一客户端发送所述交易金额，以使所述第一客户端在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的所述支付密码。
可选地，在交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；
向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求还指示了所述支付密码。
可选地，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
第四方面，本申请实施例提供一种数字货币的支付方法，应用于第二货币管理装置，包括:
接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的与交易金额对应的第一数字货币或用于支付的第一数字货币或所述第一数字货币的流通标识；
将所述第一数字货币或所述流通标识发送至所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证；
接收所述第一货币管理装置发送的所述第一数字货币或所述流通标识的验证结果；
在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述交易金额对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
可选地，上述第四方面实施例的数字货币的支付方法，还包括：
在交易金额大于阈值金额的情况下，所述数字货币兑付请求还指示了与所述交易金额对应的支付密码，将所述支付密码发送至所述第一货币管理装置，以接收所述支付密码的验证结果。
第五方面，本申请实施例提供一种用于数字货币支付的第一客户端，包括：交易金额获取模块、支付请求发送模块；其中，
所述交易金额获取模块，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
所述支付请求发送模块，用于通过所述通信连接向所述第二客户 端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
可选地，上述第五方面实施例的用于数字货币支付的第一客户端，还包括：通信连接建立模块；其中，
所述通信连接建立模块，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
可选地，上述第五方面实施例的用于数字货币支付的第一客户端，还包括：通信连接建立模块，其中，
所述通信连接建立模块，用于建立第一客户端与第二客户端之间的通信连接；在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
第六方面，本申请实施例提供一种用于数字货币支付的第一货币管理装置，包括：导出请求接收模块、数字货币生成模块、数字货币下发模块；其中，
所述导出请求接收模块，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额；
所述数字货币生成模块，用于生成与所述交易金额对应的第一数字货币；
所述数字货币下发模块，用于将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
第七方面，本申请实施例提供一种用于数字货币支付的第二客户端，包括：支付请求接收模块、数字货币兑付模块；其中，
所述支付请求接收模块，用于通过第一客户端与第二客户端之间 的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
所述数字货币兑付模块，用于向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
第八方面，本申请实施例提供一种用于数字货币支付的第二客户端，包括：通信连接建立模块、支付请求接收模块、兑付请求发送模块；其中，
所述通信连接建立模块，用于建立第一客户端与第二客户端之间的通信连接；
所述通信连接建立模块，还用于在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接；
所述支付请求接收模块，用于接收所述第一客户端通过所述通信连接发送的支付请求，所述支付请求指示了用于支付的第一数字货币或所述第一数字货币的流通标识；
所述兑付请求发送模块，用于向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
第九方面，本申请实施例提供一种用于数字货币支付的第二货币管理装置，包括：兑付请求接收模块、数字货币发送模块、验证结果接收模块、数字货币生成模块；其中，
所述兑付请求接收模块，用于接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的与交易金额 对应的第一数字货币或所述第一数字货币的流通标识；
所述数字货币发送模块，用于将所述第一数字货币或所述流通标识发送至所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证；
所述验证结果接收模块，用于接收所述第一货币管理装置发送的所述第一数字货币或所述流通标识的验证结果；
所述数字货币生成模块，用于在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述交易金额对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
第十方面，本申请实施例提供一种数字货币的支付系统，包括：第一客户端、第二客户端、第一客户端对应的第一货币管理装置、第二客户端对应的第二货币管理装置；其中，
所述第一客户端，用于生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额，并通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识；
所述第二客户端，用于通过第一客户端与第二客户端之间的通信连接接收第一客户端发送的所述支付请求，并向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识；
所述第一货币管理装置，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了所述交易金额，生成与所述交易金额对应的第一数字货币，并将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端；
所述第二货币管理装置，用于接收第二客户端发送的数字货币兑付请求，并向第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
可选地，所述第一客户端，进一步用于建立第一客户端与第二客户端之间的通信连接，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接；
所述第二客户端，用于建立第一客户端与第二客户端之间的通信连接，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接；
所述第二货币管理装置，进一步用于并向第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
第十一方面，本申请实施例提供一种数字货币的支付方法，应用于第一客户端，包括：
生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
对所述交易金额对应的数据货币进行签名；
通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；
根据所述交易金额更新所述第一客户端对应的数字货币。
可选地，上述第十一方面实施例提供的数字货币的支付方法，还包括：建立第一客户端与第二客户端之间的通信连接；
在所述对所述交易金额对应的数字货币进行签名之后，还包括：
在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
可选地，上述第十一方面实施例的数字货币的支付方法，还包括：
判断所述交易金额是否大于阈值金额，并在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；
在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
第十二方面，本申请实施例提供一种数字货币的支付方法，应用于第二客户端，包括：
通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；
对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
可选地，上述第十二方面实施例提供的数字货币的支付方法，还包括：
建立第一客户端与第二客户端之间的通信连接；
在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
可选地，第十二方面实施例的数字货币的支付方法，还包括：
在通过所述通信连接接收所述第一客户端发送的支付请求之前，生成所述交易金额，并通过所述通信连接向所述第一客户端发送所述交易金额。
可选地，在所述交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；
对所述支付密码进行验证，以在验证通过的情况下，根据所述交易金额对应的数字货币更新所述第二客户端对应的数字货币。
第十三方面，本申请实施例提供一种用于数字货币支付的第一客户端，包括：交易金额获取模块、数字货币签名模块、支付请求发送模块、数字货币更新模块；其中，
所述交易金额获取模块，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
所述数字货币签名模块，用于对所述交易金额对应的数据货币进行签名；
所述支付请求发送模块，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；
所述数字货币更新模块，用于根据所述交易金额更新所述第一客户端对应的数字货币。
第十四方面，本申请实施例提供一种用于数字货币支付的第二客户端，包括：支付请求接收模块、签名信息验证模块；其中，
所述支付请求接收模块，用于通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；
所述签名信息验证模块，用于对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
第十五方面，本申请实施例提供一种数字货币的支付系统，包括：第一客户端、第二客户端；其中，
所述第一客户端，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；对所述交易金额对应的数据货币进行签名；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；根据所述交易金额更新所述第一客户端对应的数字货币；
所述第二客户端，用于通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
第十六方面，本申请实施例提供一种用于数字货币存储的安全芯片，包括：存储模块和第一通信模块；其中，
所述存储模块，用于存储与数字货币的相关的保密信息；
所述第一通信模块，用于当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
可选地，所述保密信息包括以下任意一个或多个：所述终端对应的第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥、货币管理装置的公钥、数字货币、所述数字货币的标识信息、所述数字货币的交易次数阈值、所述数字货币的离线时长阈值、所述用户的支付密钥、所述用户的支付额度、所述应用的状态信息、所述应用的标识信息以及所述终端的标识信息。
可选地，所述存储模块，用于根据保密信息的保密级别，确定所述保密信息的存储状态，并根据所述存储状态对所述保密信息进行存储；其中，所述存储状态指示了所述保密信息是否对用户可见。
可选地，当所述安全芯片的可用存储空间小于预设阈值时，所述第一通信模块，用于向所述应用或终端发送关于上线更新所述数字货币、和/或限制交易次数的提示信息。
第十七方面，本申请实施例提供一种用于数字货币存储的第一终端，包括：利用所述数字货币进行交易的应用、以及上述第十六方面提供的安全芯片；其中，
所述安全芯片，用于存储与数字货币相关的保密信息；
所述应用，用于当接收到与所述数字货币相关的交易请求时，向所述安全芯片发送信息请求，以根据所述信息请求从所述安全芯片中获取与所述数字货币相关的保密信息。
可选地，所述安全芯片以全终端、SIM卡、SD卡、IC芯片、SIF或PSAM卡的形式设置于所述第一终端中。
可选地，所述应用，还用于根据所述保密信息，对所述交易请求进行验证，根据验证结果确定是否执行所述交易请求对应的交易。
可选地，上述第十七方面提供的第一终端，还包括：
所述应用，还用于根据所述保密信息对所述交易请求指示的交易信息进行加密，并将加密后的所述交易信息发送给所述交易请求指示的第二终端。
可选地，上述第十七方面提供的第一终端，还包括：处理模块；其中，
所述处理模块，用于接收货币管理装置发送的与数字货币相关的信息的保密级别；根据所述保密级别，从所述信息中确定可存储于所述安全芯片的所述保密信息，并将所述保密信息存储于所述安全芯片中。
可选地，所述处理模块，还用于确定所述安全芯片的安全等级，根据所述安全等级确定与所述数字货币相关的交易金额阈值。
第十八方面，本申请实施例提供一种用于数字货币存储的货币管理装置，包括：级别确定模块和第二通信模块；其中，
所述级别确定模块，用于确定与数字货币相关的信息的保密级别；
所述第二通信模块，用于将所述信息以及所述信息的保密级别发送给利用所述数字货币进行交易的终端；使得所述终端根据所述信息的保密级别确定出保密信息，并将所述保密信息存储于所述终端的安全芯片中。
第十九方面，本申请实施例提供一种用于数字货币存储的安全芯片的应用方法，包括：
存储与数字货币的相关的保密信息；
当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
可选地，所述存储与数字货币的相关的保密信息，包括：
根据保密信息的保密级别，确定所述保密信息的存储状态；
根据所述存储状态对所述保密信息进行存储；其中，所述存储状态指示了所述保密信息是否对用户可见。
可选地，所述保密信息包括以下任意一个或多个：所述终端对应的第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥、货币管理装置的公钥、数字货币、所述数字货币的标识信息、所述数字货币的交易次数阈值、所述数字货币的离线时长阈值、所述用户的支付密钥、所述用户的支付额度、所述应用的状态信息、所述应用的标识信息以及所述终端的标识信息。
可选地，当所述安全芯片的可用存储空间小于预设阈值时，向所述应用或终端发送关于上线更新所述数字货币、和/或限制交易次数的提示信息。
第二十方面，本申请实施例提供一种用于数字货币存储的第一终端的应用方法，包括：
利用安全芯片存储与数字货币相关的保密信息；
当接收到与所述数字货币相关的交易请求时，向所述安全芯片发送信息请求，以根据所述信息请求从所述安全芯片中获取与所述数字货币相关的保密信息。
可选地，所述利用安全芯片存储与数字货币相关的保密信息，包括：
接收货币管理装置发送的与数字货币相关的信息的保密级别；
根据所述保密级别，从所述信息中确定可存储于所述安全芯片的所述保密信息，并将所述保密信息存储于所述安全芯片中。
上述申请中具有如下优点或有益效果：通过第一客户端与第二客户端之间的通信连接传递用于支付的第一数字货币或第一数字货币的标识，以使第二客户端向对应的第二货币管理装置兑付与第一数字货币对应的第一数字货币，实现了数字货币的在线支付及在不同客户端之间的流转，既方便又快捷。
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申请，不构成对本申请的不当限定。其中：
图1是根据本申请实施例的应用于第一客户端的数字货币的支付方法的主要流程的示意图；
图2是根据本申请实施例的另一个应用于第一客户端的数字货币的支付方法的主要流程的示意图；
图3是根据本申请实施例的应用于第一货币管理装置的数字货币的支付方法的主要流程的示意图；
图4是根据本申请实施例的应用于第二客户端的数字货币的支付方法的主要流程的示意图；
图5是根据本申请实施例的另一个应用于第二客户端的数字货币的支付方法的主要流程的示意图；
图6是根据本申请实施例的应用于第二货币管理装置的数字货币的支付方法的主要流程的示意图；
图7是根据本申请实施例的应用于第一客户端的数字货币的支付 方法的主要流程的示意图；
图8是根据本申请实施例的另一个应用于第一客户端的数字货币的支付方法的主要流程的示意图；
图9是根据本申请实施例的应用于第一货币管理装置的数字货币的支付方法的主要流程的示意图；
图10是根据本申请实施例的另一个应用于第一货币管理装置的数字货币的支付方法的主要流程的示意图；
图11是根据本申请实施例的应用于第二客户端的数字货币的支付方法的主要流程的示意图；
图12是根据本申请实施例的另一个应用于第二客户端的数字货币的支付方法的主要流程的示意图；
图13是根据本申请实施例的应用于第二货币管理装置的数字货币的支付方法的主要流程的示意图；
图14是根据本申请实施例的用于数字货币支付的第一客户端的主要模块的示意图；
图15是根据本申请实施例的另一用于数字货币支付的第一客户端的主要模块的示意图；
图16是根据本申请实施例的用于数字货币支付的第一货币管理装置的主要模块的示意图；
图17是根据本申请实施例的用于数字货币支付的第二客户端的主要模块的示意图；
图18是根据本申请实施例的另一用于数字货币支付的第二客户端的主要模块的示意图；
图19是根据本申请实施例的用于数字货币支付的第二货币管理装置的主要模块的示意图；
图20是根据本申请实施例的数字货币的支付系统的主要结构的示意图；
图21是根据本申请实施例的应用于数字货币的支付系统的数字货币的支付方法的主要流程示意图；
图22是根据本申请实施例的应用于数字货币的支付系统的另一数 字货币的支付方法的主要流程示意图；
图23是根据本申请实施例的又一应用于第一客户端的数字货币的支付方法的主要流程的示意图；
图24是根据本申请实施例的另一应用于第一客户端的数字货币的支付方法的主要流程的示意图；
图25是根据本申请实施例的又一应用于第二客户端的数字货币的支付方法的主要流程的示意图；
图26是根据本申请实施例的另一应用于第二客户端的数字货币的支付方法的主要流程的示意图；
图27是根据本申请实施例的另一用于数字货币支付的第一客户端的主要模块的示意图；
图28是根据本申请实施例的又一用于数字货币支付的第一客户端的主要模块的示意图；
图29是根据本申请实施例的另一用于数字货币支付的第二客户端的主要模块的示意图；
图30是根据本申请实施例的又一用于数字货币支付的第二客户端的主要模块的示意图；
图31是根据本申请实施例的另一数字货币的支付系统的主要结构的示意图；
图32是根据本申请实施例的一种用于数字货币存储的安全芯片的主要模块的示意图；
图33是根据本申请实施例的一种用于数字货币存储的安全芯片的应用方法的主要步骤的示意图；
图34是根据本申请实施例的一种用于数字货币存储的第一终端的主要模块的示意图；
图35是根据本申请实施例的一种用于数字货币存储的第一终端的应用方法的主要步骤的示意图；
图36是根据本申请实施例的一种用于数字货币存储货币管理装置的主要模块的示意图；
图37是根据本申请实施例的一种用于数字货币存储的货币管理装 置的应用方法的主要步骤的示意图；
图38是本申请实施例可以应用于其中的示例性系统架构图；
图39是适于用来实现本申请实施例的终端设备或服务器的计算机系统的结构示意图。
具体实施方式
以下结合附图对本申请的示范性实施例做出说明，其中包括本申请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，而不会背离本申请的范围和精神。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。
图1是根据本申请实施例的应用于第一客户端的数字货币的支付方法的主要流程的示意图，如图1所示，该数字货币支付方法具体可以包括步骤如下：
步骤S101，生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额。
数字货币是指可用于代替纸币进行多种流通操作的货币，例如使用该数据货币进行支付，实现数字货币持有者的转移，或者直接转让数字货币等。具体地，数字货币包括如下一种或多种信息：数字货币的流通标识、数字货币所属的数字货币管理装置标识、数字货币管理装置的签名。其中，数字货币的流通标识是指与数字货币对应的唯一流通标识(如冠字号)，该流通标识可以为字符串，也可以为二维码等形式，以便于该数字货币的流通。
交易金额既可以是指第一客户端根据实际需要支付的金额生成的，也可以是指第一客户端接收的第二客户端生成的交易金额。因而，在向所述第一货币管理装置发送交易金额之前，第一客户端还需生成所述交易金额或通过第一客户端与第二客户端之间的通信连接接收所述 第二客户端发送的所述交易金额。
在第一客户端直接生成交易金额的情况下，第一客户端向所述第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。基于此，在接收第一货币管理装置下发的与交易金额对应的第一数字货币或第一数字货币的流通标识的情况下，第一客户端建立与第二客户端之间的通信连接，并通过该通信连接向第二客户端发送支付请求。
在第二客户端生成交易金额的情况下，第二客户端建立与第一客户端之间的通信连接，并通过该通信连接将交易金额发送至第一客户端。在基于通信连接接收到交易金额的情况下，第一客户端向第一客户端对应的第一货币管理装置发送数字货币导出请求，以使第一货币管理装置生成与交易金额对应的第一数字货币。基于此，第一客户端接收第一货币管理装置下发的与交易金额对应的第一数字货币或第一数字货币的流通标识，并通过已经建立的第一客户端与第二客户端之间的通信连接向第二客户端发送支付请求。
更进一步地，第一客户端或第二客户端基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。具体地，在使用无线局域网络(WLAN)建立通信连接的情况下，第一客户端与第二客户端均开启WLAN直连，以建立WLAN点对点连接，并通过交互协议传递交易金额、支付请求。在使用近场通信(NFC)建立通信连接的情况下，第一客户端向第二客户端靠近，以在碰触时建立NFC通道，并通过该NFC通道传递交易金额、支付请求。在使用蓝牙建立通信连接的情况下，第一客户端与第二客户端均开启蓝牙功能，以通过蓝牙配对建立通信连接，并通过该通信连接传递交易金额、支付请求。
步骤S102，通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
具体地，第二客户端在接收到第一客户端发送的支付请求后，向第二货币管理装置发送数字货币兑付请求，该数字货币兑付请求指示了第一数字货币或第一数字货币的流通标识。基于此，第二货币管理装置向第一货币管理装置发送第一数字货币或第一数字货币的流通标识，以使第一货币管理装置对一数字货币或第一数字货币的流通标识进行验证，并在第一数字货币或第一数字货币的流通标识的验证通过的情况下，生成与交易金额或第一数字货币对应的第二数字货币，从而实现了数字货币在第一客户端与第二客户端之间的流转。
可以理解的是，第二货币管理装置在生成第二数字货币后，应更新第二客户端对应的数字货币记录，是对数字货币进行管理。
与此相对应，在所述第二货币管理装置兑付完所述第二数字货币的情况下，所述第一货币管理装置更新第一客户端对应的数字货币记录，以实现数字货币交易过程中，数字货币总额度的收支平衡。
值得一提的是，第一客户端与第二客户端对应的货币管理装置即可能相同也可能不相同，为实现对不同货币管理装置之间货币流通的监管，避免不同货币管理之间非法交易，以进一步保证数字货币的合法性及安全性，在第一货币管理装置不同于第二货币管理装置的情况下，第二货币管理装置通过对不同货币管理装置进行监管的第三方货币管理装置，将第一数字货币或第一数字货币的流通标识发送至第一货币管理装置。同时，在第一货币管理装置在对第一数字货币或第一数字货币的流通标识进行验证后，第一货币管理装置也通过第三方货 币管理装置将对应的验证结果发送至第二货币管理装置。
基于上述实施例，通过第一客户端与第二客户端之间的通信连接传递用于支付的第一数字货币或第一数字货币的标识，以使第二客户端向对应的第二货币管理装置兑付与第一数字货币对应的第一数字货币，实现了数字货币的在线支付及在不同客户端之间的流转。此外，值得注意的是，在第一客户端直接生成交易金额的情况下，第一客户端仅需要通过第一客户端与第二客户端之间的通信连接传递支付请求，也即仅需建立一次通信连接即可完成数字货币的在线支付，既方便又由快捷。
参见图2，在上述实施例的基础上，在第一客户端直接生成交易金额的情况下，本申请实施例提供了一种应用于第一客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S201，生成交易金额。
步骤S202，向第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。可以理解的是，第一货币管理装置在生成第一数字货币的情况下，需要更新第一客户端对应的数字货币记录，以对数字货币进行管理。
步骤S203，接收所述第一货币管理装置下发的所述第一数字货币或所述第一数字货币的流通标识。
步骤S204，建立第一客户端与第二客户端之间的通信连接。具体地，可以使用无线局域网络、近场通信、蓝牙中的任一种方式建立第一客户端与第二客户端之间的通信连接。
步骤S205，通过所述通信连接向所述第二客户端发送支付请求， 所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。如此，仅需要通过第一客户端与第二客户端之间的通信连接传递支付请求，也即仅需建立一次通信连接即可完成数字货币的在线支付，既方便又由快捷。
参见图3，在上述实施例的基础上，本申请实施例提供了一种应用于第一货币管理装置的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S301，接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额。
交易金额既可以是第一客户端根据实际需求直接生成的，也可以是第二客户端直接生成的，并通过第一客户端与第二客户端之间的通信连接下发至第一客户端的。
步骤S302，生成与所述交易金额对应的第一数字货币。
在生成第一数字货币后，第一货币管理装置更新第一客户端对应的数字货币记录，以实现数字货的统一管理。
步骤S303，将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
步骤S304，在接收到第二客户端对应的第二货币管理装置发送的第一数字货币或所述流通标识的情况下，对所述第一数字货币或所述流通标识进行验证。
具体地，第一货币管理装置在接收到所述第二客户端对应的第二 货币管理装置发送的第一数字货币或第一数字货币的流通标识的情况下，根据第一客户端对应的数字货币记录，对第一数字货币或第一数字货币的流通标识进行如下验证：判断该第一数字货币或流通标识是否为已记录或已存储的第一数字货币，以验证该数字货币来源的合法性；或根据第一数字货币指示的货币管理装置的标识，判断该货币管理装置的标识与第一货币管理装置标识是否一致，验证该数字货币来源的合法性；又或根据第一数字货币包括的货币管理装置的签名进行验证，如以货币管理装置的签名是使用非对称加密算法生成的为例进行说明，则第一货币管理装置可以使用生成签名信息时的公钥对应的私钥对第一数字货币中的货币管理装置的签名进行解密以验证该签名信息的可靠性。如此，既可以保证第一数字货币来源的合法性，又可以保证数字货币兑付的安全性。
步骤S305，将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置。
具体地，第一货币管理装置将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置，使得第二货币管理装置在第一数字货币或第一数字货币的流通标识的验证通过的情况下，生成与第一数字货币或交易金额对应的第二数字货币，从而实现了数字货币在第一客户端与第二客户端之间的流转。
步骤S306，在所述第一数字货币或所述流通标识验证通过的情况下，更新所述第一客户端对应的数字货币记录。如此，可以保持数字货币支付过程中，数字货币总额度的收支平衡。
参见图4，在上述实施例的基础上，本申请实施例提供了一种应用于第二客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S401，通过第一客户端与第二客户端之间的通信连接，接收 第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识。
可以理解的是，该交易金额既可以是第一客户端根据实际需求直接生成的，也可以是第二客户端直接生成的，并通过第一客户端与第二客户端之间的通信连接下发至第一客户端的。
在通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求之前，第二客户端还需要基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
步骤S402，向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
参见图5，在第二客户端直接生成交易金额的情况下，本申请实施例提供了一种应用于第二客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S501，生成交易金额。
步骤S502，建立第一客户端与第二客户端之间的通信连接。具体地，通过下述任一种方式建立第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
步骤S503，通过第一客户端与第二客户端之间的连接向所述第一客户端发送所述交易金额。
第一客户端在接收到交易金额后，向第一客户端对应的第一货币 管理装置发送的数字货币导出请求，该数字货币导出请求指示了交易金额，以使第一货币管理装置生成与交易金额对应的第一数字货币，并将第一数字货币或第一数字货币的流通标识下发至第一客户端。
步骤S504，通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识。
步骤S505，向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
参见图6，在上述实施例的基础上，本申请实施例提供了一种应用于第二货币管理装置的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S601，接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的与交易金额对应的第一数字货币或所述第一数字货币的流通标识。
步骤S602，将所述第一数字货币或所述流通标识发送至所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证。
步骤S603，接收所述第一货币管理装置发送的所述第一数字货币或所述流通标识的验证结果。
步骤S604，在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述交易金额对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
可以理解的是，当且仅当第一数字货币或第一数字货币的流通标识验证通过的情况下，第二货币管理装置才生成与交易金额或第一数字货币对应的第二数字货币，以确保数字货币的安全性、合法性。
图7是根据本申请实施例的应用于第一客户端的数字货币的支付方法的主要流程的示意图，如图7所示，该数字货币支付方法具体可以包括的步骤如下：
步骤S701，建立第一客户端与第二客户端之间的通信连接。
数字货币、数字货币的流通标识在前面已经陈述，在此不再赘述。
第一客户端或第二客户端基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。具体地，在使用无线局域网络(WLAN)建立通信连接的情况下，第一客户端与第二客户端均开启WLAN直连，以建立WLAN点对点连接，并通过交互协议传递交易金额、支付请求。在使用近场通信(NFC)建立通信连接的情况下，第一客户端向第二客户端靠近，以在碰触时建立NFC通道，并通过该NFC通道传递交易金额、支付请求。在使用蓝牙建立通信连接的情况下，第一客户端与第二客户端均开启蓝牙功能，以通过蓝牙配对建立通信连接，并通过该通信连接传递交易金额、支付请求。
步骤S702，生成交易金额，或通过所述通信连接接收所述第二客户端发送的所述交易金额。
交易金额既可以是指第一客户端根据实际需要支付的金额生成的，也可以是指第一客户端接收的第二客户端生成的交易金额。因而，在向所述第一货币管理装置发送交易金额之前，第一客户端还需生成所述交易金额或通过第一客户端与第二客户端之间的通信连接接收所述 第二客户端发送的所述交易金额。
在第一客户端直接生成交易金额的情况下，第一客户端向所述第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。基于此，在接收第一货币管理装置下发的与交易金额对应的第一数字货币或第一数字货币的流通标识的情况下，第一客户端建立与第二客户端之间的通信连接，并通过该通信连接向第二客户端发送支付请求。
在第二客户端生成交易金额的情况下，第二客户端建立与第一客户端之间的通信连接，并通过该通信连接将交易金额发送至第一客户端。在基于通信连接接收到交易金额的情况下，第一客户端向第一客户端对应的第一货币管理装置发送数字货币导出请求，以使第一货币管理装置生成与交易金额对应的第一数字货币。基于此，第一客户端接收第一货币管理装置下发的与交易金额对应的第一数字货币或第一数字货币的流通标识，并通过已经建立的第一客户端与第二客户端之间的通信连接向第二客户端发送支付请求。
步骤S703，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
可以理解的是，在第一客户端在生成交易金额或者传输交易金额的过程中，可能会出现第一客户端与第二客户端之间的通信连接断开的情况。此外，在交易金额大于阈值金额第一客户端需要获取支付密码的情况下，也可能会出现第一客户端与第二客户端之间的通信连接断开的情况。如此，为保证支付交易的正常进行，则需在通过所述通信连接向所述第二客户端发送支付请求之前，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。具体地，仍采用初次建立第一客户端与所述第二客户端之间的通信连 接的方式重新建立该通信连接，即基于无线局域网络、近场通信、蓝牙中任一种方式建立通信连接。
值得注意的是，在重新建立通信连接的过程中，为保证建立的通信连接仍用于传输同一支付交易对应的信息(如支付请求、支付密码等)，可以基于交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息等信息在应用层或者代码层保证多次重新建立的底层通信连接承载的是同一支付交易对应的信息。此外，还可以通过用户手动输入付款留言等与支付交易对应的信息以维持通信连接，或者保证重新建立通信连接的可用性。其中，交易标识是指随机生成的与交易对应的流水号、索引号等；时间戳则是指支付交易发时对应的时间点；交易计数器则用以记录进行的交易次数，如此可以根据未完成交易对应的次数，重新建立通信连接，以继续完成未完成交易；交易流水则是指根据时间戳、交易信息等生成的可以区分不同交易的详细信息；第一客户端信息或第二客户端信息包括但不限于交易双方相互传输的公钥、用户名称、设备标识等信息。具体地，在重新建立通信连接得过程，通信连接建立请求客户端可以携带交易标识、交易金额、时间戳等信息向另一客户端发送通信连接建立请求，以使另一客户端在接收到通信连接建立请求时，根据预先存储的交易标识、交易金额、时间戳等信息，验证通信连接建立请求携带的交易标识、交易金额、时间戳等信息与预先存储的信息是否一致：若一致，则验证通过，即表明该次请求建立的通信连接与前述通信连接是用于同一支付交易，重新建立第一客户端与第二客户端之间的通信连接；若不一致，则验证不通过，不建立第一客户端与第二客户端之间的通信连接。
步骤S704，通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述第一数字货币 对应的第二数字货币。
具体地，第二客户端在接收到第一客户端发送的支付请求后，向第二货币管理装置发送数字货币兑付请求，该数字货币兑付请求指示了第一数字货币或第一数字货币的流通标识。基于此，第二货币管理装置向第一货币管理装置发送第一数字货币或第一数字货币的流通标识，以使第一货币管理装置对一数字货币或第一数字货币的流通标识进行验证，并在第一数字货币或第一数字货币的流通标识的验证通过的情况下，生成与交易金额或第一数字货币对应的第二数字货币，从而实现了数字货币在第一客户端与第二客户端之间的流转。
在一种可选的实施方式中，还包括：在通过所述通信连接向所述第二客户端发送支付请求之前，判断所述交易金额是否大于阈值金额，在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
其中，阈值金额是根据实际需求设定的。如此，可以通过设定阈值金额，并为大于阈值金额的交易金额设定支付密码的方式，保证大额支付交易过程中数字货币的安全性。可以理解的是，第一客户端对应的用户可以预先设置阈值金额，以及大于阈值金额的交易金额对应的支付密码，以使第一货币管理装置在第一客户端对应的数字货币记录中预先存储交易金额、支付密码，从而在数字货币的支付过程中基于第一客户端对应的数字货币记录对支付密码进行验证，以保证数字货币的安全性。具体地，使用的加密方式可以为字符串加密方式(字母、数字或字母与数字组合的字符串加密方式)、问答方式、声纹识别方式、人脸识别方式、图片识别方式中的任意一种或多种方式的组合，不同加密方式所对应的支付密码也有所不同，例如，字符串加密方式所对应的密钥即为全为字母的字符串(字母加密方式)、或者全为数字的字符串(数字加密方式)或者同时包含字母与数字的字符串 (字母与数字组合的加密方式)等。此外，第一客户端对应的用户可自定义加密方式，或第一货币管理装置也可根据便于管理或自身运营情况等因素来定义加密方式。
具体地，第二客户端在接收到第一客户端发送的支付请求后，向第二货币管理装置发送数字货币兑付请求，该数字货币兑付请求指示了第一数字货币或第一数字货币的流通标识，以及与交易金额对应的支付密码。基于此，第二货币管理装置向第一货币管理装置发送第一数字货币或第一数字货币的流通标识，以及与交易金额对应的支付密码，以使第一货币管理装置对一数字货币或第一数字货币的流通标识，以及支付密码进行验证，并在第一数字货币或第一数字货币的流通标识，以及支付密码的验证通过的情况下，生成与交易金额或第一数字货币对应的第二数字货币，从而实现了数字货币在第一客户端与第二客户端之间的流转。
可以理解的是，第二货币管理装置在生成第二数字货币后，应更新第二客户端对应的数字货币记录，是对数字货币进行管理。
与此相对应，在所述第二货币管理装置兑付完所述第二数字货币的情况下，第一货币管理装置更新第一客户端对应的数字货币记录，以实现数字货币交易过程中，数字货币总额度的收支平衡。
值得一提的是，第一客户端与第二客户端对应的货币管理装置即可能相同也可能不相同，为实现对不同货币管理装置之间货币流通的监管，避免不同货币管理之间非法交易，以进一步保证数字货币的合法性及安全性，在第一货币管理装置不同于第二货币管理装置的情况下，第二货币管理装置通过对不同货币管理装置进行监管的第三方货币管理装置，将第一数字货币或第一数字货币的流通标识发送至第一货币管理装置。同时，在第一货币管理装置在对第一数字货币或第一数字货币的流通标识进行验证后，第一货币管理装置也通过第三方货 币管理装置将对应的验证结果发送至第二货币管理装置。此外，在交易金额大于阈值金额的情况下，第二货币管理装置也通过第三方管理装置将与交易金额对应的支付密码送至第一货币管理装置，并通过第三方管理装置接收第一货币管理装置对支付密码的验证结果。
基于上述实施例，通过第一客户端与第二客户端之间的通信连接传递用于支付的第一数字货币或第一数字货币的标识，以使第二客户端向对应的第二货币管理装置兑付与第一数字货币对应的第一数字货币，实现了数字货币的在线支付及在不同客户端之间的流转，既方便又快捷；此外，通过在交易金额大于阈值金额的情况下设置支付密码，保证了大额支付交易过程中数字货币的安全性；在获取支付密码的过程中为避免通信连接断开的影响，通过重新建立支付交易对应的通信连接，保证了支付交易的正常进行。
参见图8，在上述实施例的基础上，本申请实施例提供了另一个应用于第一客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S801，生成交易金额。可以理解的是，交易金额既可以是指第一客户端根据实际需要支付的金额生成的，也可以是指第一客户端接收的第二客户端生成的交易金额，本实施例仅以第一客户端直接生成交易金额为例进行说明。
步骤S802，建立第一客户端与第二客户端之间的通信连接。
步骤S803，向第一客户端对应的第一货币管理装置发送数字货币导出请求，以使所述第一货币管理装置生成与所述交易金额对应的第一数字货币。可以理解的是，第一货币管理装置在生成第一数字货币之后，可以将第一数字货币或第一数字货币的流通标识下发至第一客户端，以使第一客户端发送支付请求。
步骤S804，在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码。可以理解的是，交易金额既可能大于阈值金额，也可能小于阈值金额，本实施例金额交易金额大于阈值金额为例进行说明。
步骤S805，在所述通信连接断开的情况下，重新建立所述通信连接。也即是说，在初次建立通信连接之后，及在发送支付请求之前，初次建立的通信连接可能会因为信号、网络等各种各样的原因而断开，为保证支付交易的顺利进行，需要重新建立通信连接。更具体地，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
步骤S806，通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了用于支付的第一数字货币或所述第一数字货币的流通标识，以及所述支付密码。
参见图9，在上实施的基础上，本申请实施例提供了一种应用于第一货币管理装置的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S901，接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额。
步骤S902，生成与所述交易金额对应的第一数字货币。
步骤S903，将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
步骤S904，接收第二客户端对应的第二货币管理装置发送的第一 数字货币或第一数字货币的流通标识。
步骤S905，对所述第一数字货币或所述流通标识进行验证。
第一货币管理装置在接收到第二货币管理装置发送的第一数字货币或流通标识后，可以根据第一客户端对应的数字货币记录，对其进行如下验证：判断该第一数字货币或流通标识是否为已记录或已存储的第一数字货币，以验证该数字货币来源的合法性；或根据第一数字货币指示的货币管理装置的标识，判断该货币管理装置的标识与第一货币管理装置标识是否一致，验证该数字货币来源的合法性；又或根据第一数字货币包括的货币管理装置的签名进行验证，如以货币管理装置的签名是使用非对称加密算法生成的为例进行说明，则第一货币管理装置可以使用生成签名信息时的公钥对应的私钥对第一数字货币中的货币管理装置的签名进行解密以验证该签名信息的可靠性。如此，既可以保证第一数字货币来源的合法性，又可以保证数字货币兑付的安全性。
更进一步地，在交易金额大于在所述交易金额大于阈值金额的情况下，还接收第二客户端对应的第二货币管理装置发送的与所述交易金额对应的支付密码，并根据第一客户端对应的数字货币记录，判断支付密码与记录的交易金额对应的密码。当且仅当第一数字货币标识或流通标识，以及支付密码均验证通过的情况下，第一货币管理装置才更新第一客户端对应的数字货币记录，第二货币管理装置才生成与第一数字货币对应的第二数字货币，以实现数字货币在不同客户端之间的流转。
步骤S906，将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置。
步骤S907，在所述第一数字货币或所述流通标识验证通过的情况 下，更新所述第一客户端对应的数字货币记录。
参见图10，在上述实施例的基础上，本申请实施例提供了另一个应用于第一货币管理装置的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S1001，接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额。
步骤S1002，生成与所述交易金额对应的第一数字货币。
步骤S1003，将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
步骤S1004，在所述交易金额大于阈值金额的情况下，接收第二客户端对应的第二货币管理装置发送的第一数字货币或第一数字货币的流通标识，以及支付密码。
步骤S1005，对所述第一数字货币或所述流通标识，以及支付密码进行验证。
步骤S1006，将所述第一数字货币或所述流通标识，以及支付密码的验证结果发送至所述第二货币管理装置。
步骤S1007，在所述第一数字货币或所述流通标识，以及支付密码验证通过的情况下，更新所述第一客户端对应的数字货币记录。
参见图11，在上述实施例的基础上，本申请实施例提供了另一种应用于第二客户端的数字货币的支付方法，该方法具体包括的步骤如下：
步骤S1101，建立第一客户端与第二客户端之间的通信连接。
具体地，第二客户端与第一客户端可以基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，第二客户端可以直接生成所述交易金额，并通过所述第一客户端与第二客户端之间的通信连接向所述第一客户端发送所述交易金额，以使所述第一客户端在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的所述支付密码。此外，第一客户端也可以直接生成交易金额。
步骤S1102，在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接。
可以理解的是，在初次建立通信连接之后，及在接收送支付请求之前，初次建立的通信连接可能会因为信号、网络等各种各样的原因而断开，为保证支付交易的顺利进行，需要重新建立通信连接。具体地，在所述第一客户端与第二客户端之间的通信连接断开的情况下，基于初次建立通信连接使用的蓝牙、近场通信、WLAN等任一种方式，重新建立所述第一客户端与第二客户端之间的通信连接。更具体地，在所述通信连接断开的情况下，可基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
步骤S1103，接收所述第一客户端通过所述通信连接发送的支付请求，所述支付请求指示了用于支付的第一数字货币或所述第一数字货币的流通标识。
步骤S1104，向所述第二客户端对应的第二货币管理装置发送数字 货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
此外，在交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求还指示了所述支付密码，以使第一货币管理装置对支付密码进行验证，以保证大额数字货币支付交易的安全性。
参见图12，在上述实施例的基础上，本申请实施例提供了的另一个应用于第二客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S1201，生成交易金额。
步骤S1202，建立第一客户端与第二客户端之间的通信连接。
步骤S1203，通过第一客户端与第二客户端之间的连接向所述第一客户端发送所述交易金额。
步骤S1204，在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接。具体地，在所述第一客户端与第二客户端之间的通信连接断开的情况下，基于初次建立通信连接使用的蓝牙、近场通信、WLAN等任一种方式，重新建立所述第一客户端与第二客户端之间的通信连接。更具体地，在所述通信连接断开的情况下，可基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
步骤S1205，通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识，以及支付密码。
步骤S1206，向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以及所述支付密码。
参见图13，在上述实施例的基础上，本申请实施例提供了一种应用于第二货币管理装置的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S1301，接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的用于支付的第一数字货币或所述第一数字货币的流通标识。在交易金额大于阈值金额的情况下，所述数字货币兑付请求还指示了与所述交易金额对应的支付密码。
步骤S1302，将所述第一数字货币或所述第一数字货币的流通标识发送至与所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证。
步骤S1303，接收所述第一货币管理装置对所述第一数字货币或所述流通标识的验证结果。
步骤S1304，在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述第一数字货币对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
此外，在交易金额大于阈值金额的情况下，为保证大额交易金额的安全性，所述数字货币兑付请求还指示了与所述交易金额对应的支付密码。第二货币管理装置在接收到支付密码的情况下，将所述支付 密码发送至第一货币管理装置，以使第一货币管理装置对该支付密码进行验证。当且仅当第一数字货币标识或流通标识，以及支付密码均验证通过的情况下，第一货币管理装置才更新第一客户端对应的数字货币记录，第二货币管理装置才生成与第一数字货币对应的第二数字货币，以实现数字货币在不同客户端之间的流转。
参见图14，在与上述图1或图2相关的任一实施例的基础上，本申请实施例提供了一种用于数字货币支付的第一客户端，包括：交易金额获取模块1402、支付请求发送模块1404；其中，
所述交易金额获取模块1402，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
所述支付请求发送模块1404，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
在一种可选的实施方式中，还包括：通信连接建立模块1401；其中，
所述通信连接建立模块，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，还包括：数字货币导出模块1403；其中，
所述数字货币导出模块，用于向所述第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。
参见图15，在与上述图7或图8相关的任一实施例的基础上，本申请实施例提供了一种用于数字货币支付的第一客户端，包括：通信连接建立模块1501、交易金额获取模块1502、支付请求发送模块1505；其中，
所述通信连接建立模块1501，用于建立第一客户端与第二客户端之间的通信连接；
所述交易金额获取模块1502，用于生成交易金额，或通过所述通信连接接收所述第二客户端发送的所述交易金额；
所述通信连接建立模块1501，还用于在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接；
所述支付请求发送模块1505，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
在一种可选的实施方式中，还包括：交易金额验证模块1504；其中，
所述交易金额验证模块1504，用于判断所述交易金额是否大于阈值金额，在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；
在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
在一种可选的实施方式中，所述通信连接建立模块1501，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，所述通信连接建立模块1501，用于在 所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
在一种可选的实施方式中，还包括：数字货币导出模块1503；其中，
所述数字货币导出模块1503，用于向所述第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。
参见图16，在上述与图3相关的实施例的基础上，本申请实施例提供了一种用于数字货币支付的第一货币管理装置，包括：导出请求接收模块1601、数字货币生成模块1602、数字货币下发模块1603；其中，
所述导出请求接收模块1601，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额；
所述数字货币生成模块1602，用于生成与所述交易金额对应的第一数字货币；
所述数字货币下发模1603，用于将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
在一种可选的实施方式中，还包括：数字货币验证模块1604；其中，
所述数字货币验证模块1604，用于在接收到第二客户端对应的第二货币管理装置发送的第一数字货币或所述流通标识的情况下，对所述第一数字货币或所述流通标识进行验证；
将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置；
在所述第一数字货币或所述流通标识验证通过的情况下，更新所述第一客户端对应的数字货币记录。
参见图16，在与上述图9或图10相关的实施例的基础上，本申请实施例提供了一种用于数字货币支付的第一货币管理装置，包括：导出请求接收模块1601、数字货币生成模块1602、数字货币下发模块1603；其中，
所述导出请求接收模块1601，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额；
所述数字货币生成模块1602，用于生成与所述交易金额对应的第一数字货币；
所述数字货币下发模块1603，用于将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
在一种可选的实施方式中，还包括：数字货币验证模块1604；其中，
所述数字货币验证模块1604，用于接收第二客户端对应的第二货币管理装置发送的第一数字货币或所述第一数字货币的流通标识；
根据所述第一客户端对应的数字货币记录，对所述第一数字货币或所述流通标识进行验证；
将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置；
在所述第一数字货币或所述流通标识验证通过的情况下，更新所述第一客户端对应的数字货币记录。
在一种可选的实施方式中，所述述数字货币验证模块904，还用于，
在所述交易金额大于阈值金额的情况下，接收第二客户端对应的第二货币管理装置发送的与所述交易金额对应的支付密码；
根据所述第一客户端对应的数字货币记录，对所述支付密码进行验证。
参见图17，在与上述图4或图5相关的任一实施例的基础上，本申请实施例提供了一种用于数字货币支付的第二客户端，包括：支付请求接收模块1703、数字货币兑付模块1704；其中，
所述支付请求接收模块1703，用于通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
所述数字货币兑付模块1704，用于向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
在一种可选的实施方式中，交易金额生成模块1701；其中，
所述交易金额生成模块，用于生成所述交易金额，并通过第一客户端与第二客户端之间的通信连接向所述第一客户端发送所述交易金额。
在一种可选的实施方式中，还包括：通信连接建立模块1702；其中，
所述通信连接建立模块1702，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
参见图18，在与上述图11或图12相关的任一实施例的基础上，本申请实施例提供了一种用于数字货币支付的第二客户端，包括：通信连接建立模块1802、支付请求接收模块1803、兑付请求发送模块1804；其中，
所述通信连接建立模块1802，用于建立第一客户端与第二客户端之间的通信连接；
所述通信连接建立模块1802，还用于在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接；
所述支付请求接收模块1803，用于接收所述第一客户端通过所述通信连接发送的支付请求，所述支付请求指示了用于支付的第一数字货币或所述第一数字货币的流通标识；
所述兑付请求发送模块1804，用于向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
在一种可选的实施方式中，还包括：交易金额生成模块1801；
所述交易金额生成模块，用于生成交易金额，并通过所述第一客户端与第二客户端之间的通信连接向所述第一客户端发送所述交易金额，以使所述第一客户端在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的所述支付密码。
在一种可选的实施方式中，在交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；
所述兑付请求发送模块1804，用于向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求还指示了所述支付密码。
在一种可选的实施方式中，所述通信连接建立模块1802，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，所述通信连接建立模块1802，用于在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一 客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
参见图19，在上述与图6相关的任一实施例的基础上，本申请实施例提供了一种用于数字货币支付的第二货币管理装置，包括：兑付请求接收模块1901、数字货币发送模块1902、验证结果接收模块1903、数字货币生成模块1904；其中，
所述兑付请求接收模块1901，用于接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
所述数字货币发送模块1902，用于将所述第一数字货币或所述流通标识发送至所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证；
所述验证结果接收模块1903，用于接收所述第一货币管理装置发送的所述第一数字货币或所述流通标识的验证结果；
所述数字货币生成模块1904，用于在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述交易金额对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
参见图19，在与上述图13相关的任一实施例的基础上，本申请实施例提供了一种用于数字货币支付的第二货币管理装置，包括：兑付请求接收模块1901、数字货币发送模块1902、验证结果接收模块1903、数字货币生成模块1904；其中，
所述兑付请求接收模块1901，用于接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的用于支付的第一数字货币或所述第一数字货币的流通标识；
所述数字货币发送模块1902，用于将所述第一数字货币或所述第一数字货币的流通标识发送至与所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标 识进行验证；
所述验证结果接收模块1903，用于接收所述第一货币管理装置对所述第一数字货币或所述流通标识的验证结果；
所述数字货币生成模块1904，用于在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述第一数字货币对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
在一种可选的实施方式中，在交易金额大于阈值金额的情况下，所述数字货币兑付请求还指示了与所述交易金额对应的支付密码，所述数字货币发送模块1902，还用于将所述支付密码发送至所述第一货币管理装置，以接收所述支付密码的验证结果。
参见图20，在上述实施例的基础上，本申请实施例提供了一种数字货币的支付系统，包括：第一客户端2001、第二客户端2002、第一客户端对应的第一货币管理装置2003、第二客户端对应的第二货币管理装置2004。
其中，在与上述图1至图6相关的任一实施例的基础上，
所述第一客户端2001，用于生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额，并通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识；
所述第二客户端2002，用于通过第一客户端与第二客户端之间的通信连接接收第一客户端发送的所述支付请求，并向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识；
所述第一货币管理装置2003，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了所述交易金额，生成与所述交易金额对应的第一数字货币，并将所述第一数字货币或所述第一 数字货币的流通标识下发至所述第一客户端；
所述第二货币管理装置2004，用于接收第二客户端发送的数字货币兑付请求，并向第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
其中，在与上述图7至图13相关的任一实施例的基础上，
所述第一客户端2001，用于建立第一客户端与第二客户端之间的通信连接，生成交易金额或通过所述通信连接获取所述第二客户端发送的所述交易金额，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接，通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识；
所述第二客户端2002，用于建立第一客户端与第二客户端之间的通信连接，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接，接收所述第一客户端通过所述通信连接发送的所述支付请求，向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识；
所述第一货币管理装置2003，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了所述交易金额，生成与所述交易金额对应的第一数字货币，并将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端；
所述第二货币管理装置2004，用于接收第二客户端发送的数字货币兑付请求，并向第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
参见图21，在与上述图1至图6相关的实施例的基础上，本申请实施例提供了一种应用于数字货币的支付系统的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S2101，第一客户端向第一货币管理装置发送数字货币导出请 求，所述数字货币导出请求指示了交易金额。
可以理解的是，交易金额既可以是指第一客户端根据实际需要支付的金额生成的，也可以是指第一客户端接收的第二客户端生成的交易金额。因而，在向所述第一货币管理装置发送交易金额之前，第一客户端还需生成所述交易金额或通过第一客户端与第二客户端之间的通信连接接收所述第二客户端发送的所述交易金额。本实施例仅以第一客户端直接生成交易金额为例进行说明。
步骤S2102，第一货币管理装置接收第一客户端发送的所述数字货币导出请求。
步骤S2103，第一货币管理装置生成与交易金额对应的第一数字货币。在生成第一数字货币后，第一货币管理装置更新第一客户端对应的数字货币记录，以对数字货币的流通等进行管理。
步骤S2104，第一货币管理装置将第一数字货币或所述第一数字货币的流通标识下发至第一客户端。
步骤S2105，第一客户端接收第一货币管理装置下发的第一数字货币或所述第一数字货币的流通标识。
步骤S2106，第一客户端建立与第二客户端之间的通信连接。具体地，基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
步骤S2107，第二客户端建立与第一客户端之间的所述通信连接。
步骤S2108，第一客户端通过所述同链接向第二客户端发送支付请求，所述支付请求指示了用于支付的第一数字货币或所述第一数字货 币的流通标识。
步骤S2109，第二客户端通过所述通信连接接收第一客户端发送的所述支付请求。
步骤S2110，第二客户端向第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述第一数字货币的流通标识。
步骤S2111，第二货币管理装置接收第二客户端发送的所述数字货币兑付请求。
步骤S2112，第二货币管理装置将所述第一数字货币或所述第一数字货币的流通标识发送至第一货币管理装置。
步骤S2113，第一货币管理装置接收第二货币管理装置发送的所述第一数字货币或所述第一数字货币的流通标识。
步骤S2114，第一货币管理装置对所述第一数字货币或所述第一数字货币的流通标识进行验证。
步骤S2115，第一货币管理装置将所述第一数字货币或所述第一数字货币的流通标识的验证结果发送至第二货币管理装置。
步骤S2116，第二货币管理装置接收第一货币管理装置发送的所述第一数字货币或所述第一数字货币的流通标识的验证结果。
步骤S2117，在所述第一数字货币或所述第一数字货币的流通标识验证通过情况下，第二货币管理装置生成第二数字货币。同时，第二货币管理装置该应更新第二客户端对应的数字货币记录。
步骤S2118，在所述第一数字货币或所述第一数字货币的流通标识验证通过情况下，第一货币管理装置更新第一客户端对应的数字货币记录。
参见图22，在与上述图7至图13相关的实施例的基础上，本申请实施例提供了一种应用于数字货币的支付系统的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S2201，第二客户端生成交易金额。可以理解的是，该交易金额可以是第二客户端生成的，也可以是第一客户端生成的，本实施例仅以第二客户端生成交易金额为例进行说明。
步骤S2202，第二客户端建立与第一客户端之间的通信连接。具体地，可通过无线局域网络、近场通信、蓝牙等方式中任一种方式建立通信连接。
步骤S2203，第一客户端与第二客户端建立通信连接。具体地，通过无线局域网络、近场通信、蓝牙等方式中任一种方式建立通信连接。
步骤S2204，第二客户端通过所述通信连接向所述第一客户端发送所述交易金额。
步骤S2205，第一客户端通过所述通信连接接收所述第二客户端发送的所述交易金额。
步骤S2206，第一客户端向第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额。
步骤S2207，第一货币管理装置接收第一客户端发送的所述数字货币导出请求。
步骤S2208，第一货币管理装置生成与所述交易金额对应的第一数字货币。
步骤S2209，第一货币管理装置向第一客户端下发所述第一数字货币或所述第一数字货币的流通标识。
步骤S2210，第一客户端接收第一货币管理装置下的所述第一数字货币或所述第一数字货币的流通标识。
步骤S2211，第一客户端判断所述交易金额是否大于阈值金额。
步骤S2212，第一客户端在交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码。
步骤S2213，在所述通信连接断开的情况下，第一客户端重新建立与第二客户端之间的通信连接。具体地，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
步骤S2214，在所述通信连接断开的情况下，第二客户端重新建立与第一客户端之间的通信连接。具体地，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、第一客户端信息、第二客户端信息。如此，可以保证重新建立的通信连接仍用于同一支付交易。
步骤S2215，第一客户端通过重新建立的通信连接向第二客户端发 送支付请求，所述支付请求指示了所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码。
步骤S2216，第二客户端通过重新建立的通信连接接收第一客户端发送的所述支付请求。
步骤S2217，第二客户端向第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码。
步骤S2218，第二货币管理装置接收第二客户端发送的所述数字货币兑付请求。
步骤S2219，第二货币管理装置向第一货币管理装置发送所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码。
步骤S2220，第一货币管理装置接收第二货币管理装置发送的所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码。
步骤S2221，第一货币管理装置对所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码进行验证。
步骤S2222，第一货币管理装置将所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码的验证结果发送至第二货币管理装置。
步骤S2223，第二货币管理装置接收第一货币管理装置发送的所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码的验证结果。
步骤S2224，在所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码验证通过的情况下，第二货币管理装置生成与所述第一数字货币对应的第二数字货币。此外，第二货币管理装置还更新第二客户端对应的数字货币记录。
步骤S2225，在所述第一数字货币或所述第一数字货币的流通标识，以及所述支付密码验证通过的情况下，第一货币管理装置更新第一客户端对应的数字货币记录。
参见图23，本申请实施例提供了又一应用于第一客户端的数字货币的支付方法，具体步骤如下：
步骤S2301，生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额。
步骤S2302，对所述交易金额对应的数字货币进行签名。具体地，第一客户端可以采用第一客户端的私钥对交易金额对应的数字货币进行签名，以使第二客户端可以采用第一客户端对应的公钥对签名信息进行验证，以保证数字货币来源的安全性及合法性。此外，第一客户端还可以根据实际情况采用与第二客户端约定的其他签名方式对数字货币进行加密，如采用第二客户端的公钥对数字货币进行加密，以使第二客户端使用私钥对数字货币进行解密。
更进一步地，第一客户端除对交易金额对应的数字货币进行签名以外，还可以对交易金额、交易标识、时间戳等交易信息进行签名，以进一步提高交易的安全性。
值得注意的是，在本实施例中第一客户端中已经有通过交易、充值等方式获取的可直接用于交易的数字货币，而不需要进行数字货币导出，使得数字货币进行支付的方式更加便捷、通用。
步骤S2303，通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息。
步骤S2304，根据所述交易金额更新所述第一客户端对应的数字货币。具体地，以第一客户端对应的数字货币面额或者数字货币的可用余额为80为例，若交易金额为30，则更新后的第一客户端对应的数字货币面额或数字货币的可用余额为50。
参见图24，在上述实施例的基础上，本申请实施例提供了又一应用于第一客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S2401，建立第一客户端与第二客户端之间的通信连接。
步骤S2402，生成交易金额，或通过所述通信连接接收所述第二客户端发送的所述交易金额。
在一种可选的实施方式中，判断所述交易金额是否大于阈值金额，并在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码。
步骤S2403，对所述交易金额对应的数字货币进行签名。
具体地，第一客户端可以采用第一客户端的私钥对交易金额对应的数字货币进行签名，以使第二客户端可以采用第一客户端对应的公钥对签名信息进行验证，以保证数字货币来源的安全性及合法性。此外，第一客户端还可以根据实际情况采用与第二客户端约定的其他签名方式对数字货币进行加密，如采用第二客户端的公钥对数字货币进行加密，以使第二客户端使用私钥对数字货币进行解密。
值得注意的是，在本实施例中第一客户端中已经有通过交易、充值等方式获取的可直接用于交易的数字货币，而不需要进行数字货币导出，使得数字货币进行支付的方式更加便捷、通用。
步骤S2403，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
步骤S2405，通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息。
在一种可选的实施方式中，在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
在一种可选的实施方式中，还包括：
根据所述交易金额更新所述第一客户端对应的数字货币。
在一种可选的实施方式中，基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
参见图25，本申请实施例提供了又一应用于第二客户端的数字货币的支付方法，具体可以包括的步骤如下：
步骤S2501，通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对 应的数字货币、第一客户端的签名信息。
步骤S2502，对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。具体地，第二客户端采用第一客户端的私钥解密签名信息进行验证。可以理解的是，在第一客户端采用第二客户端的公钥等其他方式进行加密的情况下，则第二客户端采用第二客户端的私钥等对应的方式进行解密。
参见图26，在上述实施例的基础上，本申请实施例提供了又一应用于第二客户端的数字货币的支付方法，该方法具体可以包括的步骤如下：
步骤S2601，建立第一客户端与第二客户端之间的通信连接。
步骤S2602，在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
步骤S2603，通过所述通信连接接收所述第一客户端发送的支付请求，所述支付请求指示了交易金额对应的数字货币、所述第一客户端的签名信息。
在一种可选的实施方式中，在所述交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码。
步骤S2604，对所述第一客户端的签名信息进行验证，并在验证通过的情况下，根据所述交易金额对应的数字货币更新所述第二客户端对应的数字货币。
具体地，第二客户端采用第一客户端的私钥解密签名信息进行验证。可以理解的是，在第一客户端采用第二客户端的公钥等其他方式 进行加密的情况下，则第二客户端采用第二客户端的私钥等对应的方式进行解密。
可以理解的是，在交易金额大于阈值金额的情况下，还需要对支付请求所指示的与交易金额对应的支付密码进行验证，当且仅当支付密码、第一客户端的验证信息均通过的情况下，才根据交易金额对应的数字货币更新第二客户端对应的可直接用于交易的数字货币。
在一种可选的实施方式中，还包括：
在通过所述通信连接接收所述第一客户端发送的支付请求之前，生成所述交易金额，并通过所述通信连接向所述第一客户端发送所述交易金额，以使所述第一客户端在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的所述支付密码。
在一种可选的实施方式中，基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
参见图27，本申请实施例提供了另一用于数字货币支付的第一客户端，包括：交易金额获取模块2701、数字货币签名模块2702、支付请求发送模块2703、数字货币更新模块2704；其中，
所述交易金额获取模块2701，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
所述数字货币签名模块2702，用于对所述交易金额对应的数据货 币进行签名；
所述支付请求发送模块2703，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；
所述数字货币更新模块2704，用于根据所述交易金额更新所述第一客户端对应的数字货币。
参见图28，在上述实施例的基础上，本申请实施例提供了另一用于数字货币支付的第一客户端，包括：通信连接建立模块2801、交易金额获取模块2802、数字货币签名模块2804、支付请求发送模块2805；其中，
所述通信连接建立模块2801，用于建立第一客户端与第二客户端之间的通信连接；
所述交易金额获取模块2802，用于生成交易金额，或通过所述通信连接接收所述第二客户端发送的所述交易金额；
所述数字货币签名模块2804，用于对所述交易金额对应的数字货币进行签名；
所述通信连接建立模块，还用于在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接；
所述支付请求发送模块2805，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的数字货币、所述第一客户端的签名信息。
在一种可选的实施方式中，还包括：数字货币更新模块2806；其中，
所述数字货币更新模块2806，用于根据所述交易金额更新所述第一客户端对应的数字货币。
在一种可选的实施方式中，还包括：支付密码获取模块2802；
所述支付密码获取模块2802，用于判断所述交易金额是否大于阈 值金额，并在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；
在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
在一种可选的实施方式中，所述通信连接建立模块2801，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，所述通信连接建立模块2801，用于在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
参见图29，本申请实施例提供了另一用于数字货币支付的第二客户端，包括：支付请求接收模块2901、签名信息验证模块2902；其中，
所述支付请求接收模块2901，用于通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；
所述签名信息验证模块2902，用于对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
参见图30，在上述实施例的基础上，本申请实施例提供了另一用于数字货币支付的第二客户端，包括：通信连接建立模块3001、支付请求接收模块3003、数字货币验证模块3004；其中，
所述通信连接建立模块3001，用于建立第一客户端与第二客户端之间的通信连接；
所述通信连接建立模块3001，还用于在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接；
所述支付请求接收模块3003，用于通过所述通信连接接收所述第一客户端发送的支付请求，所述支付请求指示了交易金额对应的数字货币、所述第一客户端的签名信息；
所述数字货币验证模块3004，用于对所述第一客户端的签名信息进行验证，并在验证通过的情况下，根据所述交易金额对应的数字货币更新所述第二客户端对应的数字货币。
在一种可选的实施方式中，还包括：交易金额获取模块3002；其中，
所述交易金额获取模块3002，用于在通过所述通信连接接收所述第一客户端发送的支付请求之前，生成所述交易金额，并通过所述通信连接向所述第一客户端发送所述交易金额。
具体地，第一客户端判断交易金额是否大于阈值金额，以在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的所述支付密码。
在一种可选的实施方式中，在所述交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；对所述支付密码进行验证，以在验证通过的情况下，根据所述交易金额对应的数字货币更新所述第二客户端对应的数字货币。
在一种可选的实施方式中，所述通信连接建立模块3001，用于基于下述任一种方式建立所述第一客户端与所述第二客户端之间的通信连接：无线局域网络、近场通信、蓝牙。
在一种可选的实施方式中，所述通信连接建立模块3001，用于在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
参见图31，本申请实施例提供了另一数字货币的支付系统，包括：第一客户端3101、第二客户端3102。
在本申请实施例中，所述第一客户端3101，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；对所述交易金额对应的数据货币进行签名；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；根据所述交易金额更新所述第一客户端对应的数字货币；
所述第二客户端3102，用于通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
在本申请另一实施例中，所述第一客户端3101，用于建立第一客户端与第二客户端之间的通信连接；生成交易金额，或通过所述通信连接接收所述第二客户端发送的所述交易金额；对所述交易金额对应的数字货币进行签名；在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息。
所述第二客户端3102，用于建立第一客户端与第二客户端之间的通信连接；在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接；通过所述通信连接接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、所述第一客户端的签名信息；对所述第一客户端的签名信息进行验证，并在验证通过的情况下，根据所述交易金额对应的数字货币 更新所述第二客户端对应的数字货币。
图32是根据本申请实施例的提供的一种用于数字货币存储的安全芯片的主要模块的示意图。
如图32所示，本申请实施例的一种用于数字货币存储的安全芯片3200包括：存储模块3201和第一通信模块3202；其中，
所述存储模块3201，用于存储与数字货币的相关的保密信息；
所述第一通信模块3202，用于当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
其中，与数字货币相关的保密信息可以为任意一个或多个：所述终端对应的第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥、货币管理装置的公钥、数字货币、所述数字货币的标识信息、所述数字货币的交易次数阈值、所述数字货币的离线时长阈值、所述用户的支付密钥、所述用户的支付额度、所述应用的状态信息、所述应用的标识信息以及所述终端的标识信息。
所述第一用户所指定的第二用户可以为与第一用户进行交易的第二用户或者第一用户指定的固定联系人，一般来说，该固定联系人也是与第一用户交易过的或者准备进行交易的用户，也就是说，第二用户的公钥可用于第一用户与第二用户利用数字货币进行的交易。货币管理装置与数字货币的运营机构(如银行)相对应，货币管理装置的公钥即为相应数字货币的运营机构的公钥。
数字货币的标识信息可以为数字货币的流通标识，该流通标识可以为字符串或二维码等形式。数字货币的交易次数阈值用于验证数字货币的交易次数，数字货币每交易一次，其交易次数增加一次，而仅当数字货币的交易次数小于该交易次数阈值时，才允许利用该数字货 币继续交易。数字货币的离线时长阈值用于验证数字货币的离线时长，仅当数字货币的离线时长小于该离线时长阈值时，才允许该数字货币继续交易。
用户的支付密钥可以是用户自定义的针对数字货币的密钥，其可以为字符串、声纹或面部特征等多种形式，当利用数字货币进行支付交易时，需使得用户输入相应的支付密钥，当用户输入的支付密钥与存储于安全芯片中的支付密钥相同时，才允许进行支付交易。用户的支付额度可以是用户进行单次交易时，其最大可支出的数字货币的额度，也可以是某一段时间内，用户可使用的数字货币的总额度。
另外，所述应用可以终端中为管理数字货币的钱包，则应用的状态信息即为管理数字货币的钱包的状态，如登录状态或者未登录状态，仅当处于登录状态时，该应用才能从安全芯片中获取保密信息。相应地，应用的标识信息可以为管理数字货币的钱包的ID等标识信息。终端的标识信息可以为终端的识别码等，在利用数字货币进行交易时，可通过读取该终端的识别码获取相应的数字货币的信息，以根据该终端的识别码进行数字货币的交易。
为了便于对数字货币相关的保密信息进行管理，在本申请一个实施例中，所述存储模块3201，用于根据保密信息的保密级别，确定所述保密信息的存储状态，并根据所述存储状态对所述保密信息进行存储；其中，所述存储状态指示了所述保密信息是否对用户可见。
其中，保密信息的保密级别可以是安全芯片所对应的货币管理装置所确定的，货币管理装置确定出与数字货币相关的信息的保密级别后，将与数字货币相关的信息及其保密级别发送给安全芯片所处的终端，使得终端根据信息的保密级别确定出可存储于安全芯片的保密信息，然后按照不同保密级别所对应的存储状态，将保密信息存储于安全芯片中。
例如，将与数字货币相关的信息确定为三个保密级别，其中第一级为保密级别最高的级别，相应的保密信息存储于以对用户不可见的存储状态存储于安全芯片中。例如，第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥等均属于第一级。第二级相较于第一级的保密级别更低，相应的保密信息以对用户可见的存储状态存储于安全芯片中，例如，数字货币、数字货币的标识信息、数字货币的交易次数阈值、数字货币的离线时长阈值等属于第二级。第三级为保密级别最低的级别，相应的信息可不存储安全芯片中，例如用户的标识信息(用户的登录名等)和数字货币的可用余额等。
另外，当所述安全芯片的可用存储空间小于预设阈值时，所述第一通信模块，用于向所述应用或终端发送关于上线更新所述数字货币、和/或限制交易次数的提示信息。
其中，预设阈值可以根据安全芯片的总存储空间来确定，例如，预设阈值为安全芯片的总存储空间的10％。在本申请实施例中，安全芯片的总存储空间是指与数字货币交易相关的存储空间。当安全芯片的可用存储空间小于该预设阈值时，即安全芯片的可用存储空间已不足其总存储空间的10％时，安全芯片可通过第一通信模块向应用或终端发送关于上线更新数字货币的提示信息、和/或限制交易次数的提示信息。
在此例中，当安全芯片的可用存储空间已不足其总存储空间的10％时，说明安全芯片中已保存的保密信息占据了较大的空间，而数字货币的交易，势必会产生相应的交易信息，并且数字货币本身占用相应的存储空间，若不限制交易次数，则可能导致安全芯片无法存储继续交易过程中的数字货币以及对应的交易信息，从而降低交易安全性与成功率。因此，在本申请实施例中，当安全芯片的可用存储空间小于预设阈值时，则发送限制交易次数的提示信息。
可以理解的是，该提示信息对应的限制交易次数，与预设阈值、数字货币所占空间以及交易信息所需占用的存储空间相关，例如，假设预设阈值为500字节时，而每个数字货币占用的空间需为400字节，对应其他交易信息占用空间需为200字节，说明当安全芯片的可用存储空间小于预设阈值时，若继续交易，则安全芯片无法存储下一次交易过程中的数字货币，那么限制交易次数为0，即限制不能再继续交易，以保障数字交易的安全性及成功率。
另外，当安全芯片的存储空间小于预设阈值时，还可输出关于上线更新数字货币的提示信息。由此，当应用或终端的用户根据该提示信息上线更新数字货币时，可根据安全芯片中存储的多个数字货币以及相应的交易信息，将这多个数字货币合成一个相应面额的数字货币。例如，安全芯片中存储有面额为10的数字货币A、面额为20的数字货币B以及面额为30的数字货币C，在上线更新时，则可通过应用或终端对应的货币管理装置，将这三个数字货币更新为一个面额为60的数字货币。由此，通过提示用户上线更新，将安全芯片中存储的多个数字货币合并为一个数字货币，从而增大安全芯片的可用存储空间，由此便于后续交易成功。
另外，根据安全芯片的可用存储空间发出关于更新数字货币、和/或限制交易次数的提示信息时，可通过以下几种方式进行：
实施方式一：根据安全芯片的总存储空间，预设交易次数上限(如收款次数上限和/或付款次数上限)，每一次交易成功后，根据剩余交易次数(交易次数上限与已交易总次数之差)发出提示信息。可以理解的是，此处的总存储空间也即安全芯片中与数字货币交易相关的存储空间。
实施方式二：根据安全芯片的可用存储空间，确定剩余可交易总次数(如剩余收款总次数和/或剩余付款总次数)，并在后续每一次交 易成功后，根据剩余可交易次数发出提示信息。这里的可用存储空间指随着数字货币交易的进行，安全芯片中剩余的与数字货币相关的存储空间，该可用存储空间可小于或等于安全芯片的总存储空间。
实施方式三：当可用存储空间小于预设阈值时，如预设阈值为100K时，若当前的可用存储空间为100K，或者当前的存储空间仅为90K，则发出关于上线更新数字货币、和/或限制交易次数的提示信息。
根据本申请实施例的用于数字货币存储的安全芯片可以看出，通过安全芯片的存储模块对与数字货币相关的保密信息进行存储，当接收到利用所述数字货币进行交易的应用或终端所发送的信息请求时，将保密信息发送给应用或终端，从而实现了与数字货币相关的保密信息进行安全存储，保证了保密信息的安全性，进而提高了数字货币交易时的安全性。
图33是根据本申请实施例的一种用于数字货币存储的安全芯片的应用方法的主要步骤的示意图。
如图33所示，本申请实施例的一种用于数字货币存储的安全芯片的应用方法可以包括以下步骤：
步骤S3301：存储与数字货币的相关的保密信息。
步骤S3302：当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
在本申请一个实施例中，所述保密信息包括以下任意一个或多个：所述终端对应的第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥、货币管理装置的公钥、数字货币、所述数字货币的标识信息、所述数字货币的交易次数阈值、所述数字货币的离线时长阈值、 所述用户的支付密钥、所述用户的支付额度、所述应用的状态信息、所述应用的标识信息以及所述终端的标识信息。
在本申请一个实施例中，安全芯片可根据保密信息的保密级别，确定所述保密信息的存储状态；根据所述存储状态对所述保密信息进行存储；其中，所述存储状态指示了所述保密信息是否对用户可见。
根据本申请实施例的用于数字货币存储的安全芯片的应用方法可以看出，通过安全芯片的存储模块对与数字货币相关的保密信息进行存储，当接收到利用所述数字货币进行交易的应用或终端所发送的信息请求时，将保密信息发送给应用或终端，从而实现了与数字货币相关的保密信息进行安全存储，保证了保密信息的安全性，进而提高了数字货币交易时的安全性。
图34是根据本申请实施例的提供的一种用于数字货币存储的第一终端的主要模块的示意图。
如图34所示，本申请实施例的一种用于数字货币存储的第一终端包括：利用所述数字货币进行交易的应用3401、以及上述任一实施例提供的安全芯片3200；其中，
所述安全芯片3200，用于存储与数字货币相关的保密信息；
所述应用3401，用于当接收到与所述数字货币相关的交易请求时，向所述安全芯片3200发送信息请求，以根据所述信息请求从所述安全芯片3200中获取与所述数字货币相关的保密信息。
其中，安全芯片3401以全终端、SIM卡(Subscriber Identity Mod ule Card，用户识别卡)或SD卡(Secure Digital Memory Card，安全数码卡)、IC芯片、SIF、PSAM(pilot symbol assisted modulation)等形式设置于所述第一终端中。其中，第一终端本体与安全芯片之间可通过SWP(Single Wire Protocol，单线协议)接口或内部接口建立 连接，应用和安全芯片之间可通过OMA(Open Mobile Alliance，开放移动联盟)通道建立连接。第一终端本体可通过系统调用命令(如OS-API)对应用进行调用。
安全芯片可根据信息的保密级别对保密信息进行存储，该保密级别可以是第一终端对应的货币管理装置所确定的，货币管理装置确定出与数字货币相关的信息的保密级别后，将与数字货币相关的信息及其保密级别发送给第一终端，使得第一终端可根据信息的保密级别对保密信息进行存储。在本方法一个实施例中，第一终端还包括处理模块3402；其中，所述处理模块3402，用于接收货币管理装置发送的与数字货币相关的信息的保密级别；根据所述保密级别，从所述信息中确定可存储于所述安全芯片的所述保密信息，并将所述保密信息存储于所述安全芯片中。
安全芯片在存储保密信息时，可按照不同保密级别所对应的存储状态，将保密信息存储于安全芯片中。例如，将与数字货币相关的信息确定为三个保密级别，其中第一级为保密级别最高的级别，相应的保密信息存储于以对用户不可见的存储状态存储于安全芯片中。例如，第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥等均属于第一级。第二级相较于第一级的保密级别更低，相应的保密信息以对用户可见的存储状态存储于安全芯片中，例如，数字货币、数字货币的标识信息、数字货币的交易次数阈值、数字货币的离线时长阈值等属于第二级。第三级为保密级别最低的级别，相应的信息可不存储安全芯片中，例如用户的标识信息(用户的登录名等)和数字货币的可用余额等。
另外，处理模块还可以确定安全芯片的安全等级，然后根据安全芯片的安全等级确定与数字货币相关的交易金额阈值。例如，当安全芯片的安全等级越高时，相应的交易金额阈值越大，也就是说，在每次交易中，被允许交易的数字货币的金额越大。其中，安全芯片的安 全等级可以根据业务需求预先自定义配置，例如，配置不同形式的安全芯片分别对应不同的安全等级。
另外，在本申请一个实施例中，所述应用3401，还用于根据所述保密信息，对所述交易请求进行验证，根据验证结果确定是否执行所述交易请求对应的交易。
其中，利用数字货币进行交易的应用可以是第一终端中管理数字货币的钱包。当该应用3401接收到第二终端发送的数字货币相关的交易请求时，可从安全芯片中获取相应的保密信息，以根据保密信息对交易请求指示的交易信息进行验证，再根据验证结果确定是否执行交易请求对应的交易。
例如，交易请求可以是第二终端(付款方)在交易时自动生成的，例如，第二终端对应的第二用户想利用数字货币为第一终端对应的第一用户(收款方)进行转账时，则可生成与该转账交易对应的交易请求。该交易信息不仅指示交易金额、交易标识和交易时间等交易信息，还指示待交易的数字货币。当该交易信息是采用第二终端的私钥加密后的信息时，第一终端可从安全芯片中获取第二终端对应的第二用户的公钥，利用第二用户的公钥对交易信息进行解密，得到解密后的交易信息，并对解密后的交易信息进行验证，以确定交易请求指示的数字货币是否可信，当数字货币可信时，可根据验证结果执行与交易请求对应的交易，也就是第一终端可根据验证结果与第二终端进行交易。
再比如，数字货币中一般包括相应货币管理装置根据其私钥生成的签名，则第一终端在准备交易时，可从安全芯片中获取该货币管理装置的公钥，以对交易请求指示的数字货币进行验证，当验证出数字货币可信时，再根据可信的数字货币与第二终端进行交易。
另外，当第一终端作为付款方时，所述应用还可以用于根据所述 保密信息对所述交易请求指示的交易信息进行加密，并将加密后的所述交易信息发送给所述交易请求指示的第二终端。
仍以第一终端与第二终端进行交易为例，在此实施例中，第一终端为付款方，第二终端为收款方。第一终端可先从其安全芯片中获取第一用户的私钥，利用第一用户的私钥对相应的交易信息进行签名，然后将签名后的交易信息发送给第二终端。则第二终端可从其安全芯片中获取第一用户的公钥，然后利用第一用户的公钥对所接收的交易信息进行验证，当验证通过时，说明数字货币可信，则第二终端可与第一终端进行交易。
根据本申请实施例的用于数字货币存储的第一终端可以看出，通过第一终端中的安全芯片对与数字货币相关的保密信息进行存储，当第一终端中的应用接收到交易请求时，可从安全芯片中获取相应的保密信息，并利用保密信息对交易请求进行验证，再根据验证结果确定是否执行与交易请求对应的交易。由此通过安全芯片对与数字货币相关的保密信息的安全存储，并通过安全芯片的访问控制使得第一终端中的应用可在交易时获取保密信息，从而保证了保密信息的安全性，进而提高了数字货币交易时的安全性。
图35是根据本申请实施例的一种用于数字货币存储的第一终端的应用方法的主要步骤的示意图。
如图35所示，本申请实施例的一种用于数字货币存储的第一终端的应用方法可以包括以下步骤：
步骤S3501：利用安全芯片存储与数字货币相关的保密信息。
步骤S3502：当接收到与所述数字货币相关的交易请求时，向所述安全芯片发送信息请求，以根据所述信息请求从所述安全芯片中获取与所述数字货币相关的保密信息。
在本申请一个实施例中，利用安全芯片存储与数字货币相关的保密信息，包括：接收货币管理装置发送的与数字货币相关的信息的保密级别；根据所述保密级别，从所述信息中确定可存储于所述安全芯片的所述保密信息，并将所述保密信息存储于所述安全芯片中。
在本申请一个实施例中，第一终端中的应用还可以根据所述保密信息，对所述交易请求进行验证，根据验证结果确定是否执行所述交易请求对应的交易。
在本申请一个实施例中，第一终端中应用还可以根据所述保密信息对所述交易请求指示的交易信息进行加密，并将加密后的所述交易信息发送给所述交易请求指示的第二终端。
根据本申请实施例的用于数字货币存储的第一终端的应用方法可以看出，通过第一终端中的安全芯片对与数字货币相关的保密信息进行存储，当第一终端中的应用接收到交易请求时，可从安全芯片中获取相应的保密信息，并利用保密信息对交易请求进行验证，再根据验证结果确定是否执行与交易请求对应的交易。由此通过安全芯片对与数字货币相关的保密信息的安全存储，并通过安全芯片的访问控制使得第一终端中的应用可在交易时获取保密信息，从而保证了保密信息的安全性，进而提高了数字货币交易时的安全性。
图36是根据本申请实施例的提供的一种用于数字货币存储的货币管理装置的主要模块的示意图。
如图36所示，本申请实施例的一种用于数字货币存储的货币管理装置包括：级别确定模块3601和第二通信模块3602；其中，
所述级别确定模块3601，用于确定与数字货币相关的信息的保密级别；
所述第二通信模块3602，用于将所述信息以及所述信息的保密级别发送给利用所述数字货币进行交易的终端；使得所述终端根据所述信息的保密级别确定出保密信息，并将所述保密信息存储于所述终端的安全芯片中。
如图37所示，本申请实施例的一种用于数字货币存储的货币管理装置的应用方法，该方法可以包括以下步骤：
步骤S3701：确定与数字货币相关的信息的保密级别。
步骤S3702：将所述信息以及所述信息的保密级别发送给利用所述数字货币进行交易的终端；使得所述终端根据所述信息的保密级别确定出保密信息，并将所述保密信息存储于所述终端的安全芯片中。
安全芯片可根据信息的保密级别对保密信息进行存储，该保密级别可以是第一终端对应的货币管理装置所确定的，货币管理装置确定出与数字货币相关的信息的保密级别后，将与数字货币相关的信息及其保密级别发送给第一终端，使得第一终端可根据信息的保密级别对保密信息进行存储。
例如，货币管理装置可将与数字货币相关的信息确定为三个保密级别，其中第一级为保密级别最高的级别，相应的保密信息存储于以对用户不可见的存储状态存储于安全芯片中。例如，第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥等均属于第一级。第二级相较于第一级的保密级别更低，相应的保密信息以对用户可见的存储状态存储于安全芯片中，例如，数字货币、数字货币的标识信息、数字货币的交易次数阈值、数字货币的离线时长阈值等属于第二级。第三级为保密级别最低的级别，相应的信息可不存储安全芯片中，例如用户的标识信息(用户的登录名等)和数字货币的可用余额等。
图38示出了可以应用本申请实施例的数字货币的支付方法或数字 货币的支付装置的示例性系统架构3800。
如图38所示，系统架构3800可以包括终端设备3801、3802、3803，网络3804和服务器3805。网络3804用以在终端设备3801、3802、3803和服务器3805之间提供通信链路的介质。网络3804可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。
用户可以使用终端设备3801、3802、3803通过网络3804与服务器3805交互，以接收或发送消息等。终端设备3801、3802、3803上可以安装有各种通讯客户端应用，例如购物类应用、网页浏览器应用、搜索类应用、即时通信工具、邮箱客户端、社交平台软件等。
终端设备3801、3802、3803可以是具有显示屏并且支持网页浏览的各种电子设备，包括但不限于智能手机、平板电脑、膝上型便携计算机和台式计算机等等。
服务器3805可以是提供各种服务的服务器，例如对用户利用终端设备3801、3802、3803所浏览的购物类网站提供支持的后台管理服务器。后台管理服务器可以对接收到的产品信息查询请求等数据进行分析等处理，并将处理结果反馈给终端设备。
需要说明的是，本申请实施例所提供的数字货币的支付方法一般由服务器3805执行，相应地，数字货币的支付装置一般设置于服务器3805中。
应该理解，图38中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。
下面参考图39，其示出了适于用来实现本申请实施例的终端设备的计算机系统1900的结构示意图。图39示出的终端设备仅仅是一个 示例，不应对本申请实施例的功能和使用范围带来任何限制。
如图39所示，计算机系统3900包括中央处理单元(CPU)3901，其可以根据存储在只读存储器(ROM)3902中的程序或者从存储部分3908加载到随机访问存储器(RAM)3903中的程序而执行各种适当的动作和处理。在RAM 3903中，还存储有系统3900操作所需的各种程序和数据。CPU 3901、ROM 3902以及RAM 3903通过总线3904彼此相连。输入/输出(I/O)接口3905也连接至总线3904。
以下部件连接至I/O接口3905：包括键盘、鼠标等的输入部分3906；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的输出部分3907；包括硬盘等的存储部分3908；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分3909。通信部分3909经由诸如因特网的网络执行通信处理。驱动器3910也根据需要连接至I/O接口3905。可拆卸介质3911，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器3910上，以便于从其上读出的计算机程序根据需要被安装入存储部分3908。
特别地，根据本申请公开的实施例，上文参考流程图描述的过程可以被实现为计算机软件程序。例如，本申请公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中，该计算机程序可以通过通信部分3909从网络上被下载和安装，和/或从可拆卸介质3911被安装。在该计算机程序被中央处理单元(CPU)3901执行时，执行本申请的系统中限定的上述功能。
需要说明的是，本申请所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机 可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本申请中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本申请中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。
附图中的流程图和框图，图示了按照本申请各种实施例的系统、方法和计算机程序产品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系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
描述于本申请实施例中所涉及到的模块可以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的模块也可以设置在处理器中， 例如，可以描述为：一种处理器包括：交易金额获取模块、支付请求发送模块。其中，这些模块的名称在某种情况下并不构成对该模块本身的限定，例如，交易金额获取模块还可以被描述为“用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额的模块”。
作为另一方面，本申请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，使得该设备包括：生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
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，使得该设备包括：建立第一客户端与第二客户端之间的通信连接；生成交易金额，或通过所述通信连接接收所述第二客户端发送的所述交易金额；判断所述交易金额是否大于阈值金额，在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了用于支付的第一数字货币或所述第一数字货币的流通标识，在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述第一数字货币对应的第二数字货币。
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，使得该设备包括：存储与数字货币的相关的保密信息；当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
根据本申请实施例的技术方案，通过第一客户端与第二客户端之间的通信连接传递用于支付的第一数字货币或第一数字货币的标识，以使第二客户端向对应的第二货币管理装置兑付与第一数字货币对应的第一数字货币，实现了数字货币的在线支付及在不同客户端之间的流转，既方便又快捷。
根据本申请实施例的技术方案，通过第一客户端与第二客户端之间的通信连接传递用于支付的第一数字货币或第一数字货币的标识，以使第二客户端向对应的第二货币管理装置兑付与第一数字货币对应的第一数字货币，实现了数字货币的在线支付及在不同客户端之间的流转，既方便又快捷；此外，通过在交易金额大于阈值金额的情况下设置支付密码，保证了大额支付交易过程中数字货币的安全性；在获取支付密码的过程中为避免通信连接断开的影响，通过重新建立支付交易对应的通信连接，保证了支付交易的正常进行。
根据本申请实施例的技术方案，通过安全芯片的存储模块对与数字货币相关的保密信息进行存储，当接收到利用所述数字货币进行交易的应用或终端所发送的信息请求时，将保密信息发送给应用或终端，从而实现了与数字货币相关的保密信息进行安全存储，保证了保密信息的安全性，进而提高了数字货币交易时的安全性。
上述具体实施方式，并不构成对本申请保护范围的限制。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。任何在本申请的精神和原则之内所作的修改、等同替换和改进等，均应包含在本申请保护范围之内。

Claims (51)

  1. 一种数字货币的支付方法，其特征在于，应用于第一客户端，包括：
    生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
    通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
  2. 根据权利要求1所述的数字货币的支付方法，其特征在于，
    在所述生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额之前，还包括：建立第一客户端与第二客户端之间的通信连接；
    在所述生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额之后，所述通过所述通信连接向所述第二客户端发送支付请求之前，还包括：
    在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
  3. 根据权利要求2所述的数字货币的支付方法，其特征在于，
    在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
  4. 根据权利要求2所述的数字货币的支付方法，其特征在于，还包括：
    在通过所述通信连接向所述第二客户端发送支付请求之前，判断所述交易金额是否大于阈值金额，在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；
    在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
  5. 根据权利要求1或2所述的数字货币的支付方法，其特征在于，还包括：
    向所述第一货币管理装置发送数字货币导出请求，所述数字货币导出请求指示了所述交易金额，以使所述第一货币管理装置生成与所述交易金额对应的所述第一数字货币。
  6. 一种数字货币的支付方法，其特征在于，应用于第一货币管理装置，包括：
    接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了交易金额；
    生成与所述交易金额对应的第一数字货币；
    将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
  7. 根据权利要求6所述的数字货币的支付方法，其特征在于，还包括：
    在接收到第二客户端对应的第二货币管理装置发送的第一数字货币或所述流通标识的情况下，对所述第一数字货币或所述流通标识进行验证；
    将所述第一数字货币或所述流通标识的验证结果发送至所述第二货币管理装置；
    在所述第一数字货币或所述流通标识验证通过的情况下，更新所述第一客户端对应的数字货币记录。
  8. 根据权利要求7所述的数字货币的支付方法，其特征在于，所述对所述第一数字货币或所述流通标识进行验证，包括：
    根据所述第一客户端对应的数字货币记录，对所述第一数字货币或所述流通标识进行验证。
  9. 根据权利要求8所述的数字货币的支付方法，其特征在于，还包括：
    在所述交易金额大于阈值金额的情况下，接收第二客户端对应的第二货币管理装置发送的与所述交易金额对应的支付密码；
    根据所述第一客户端对应的数字货币记录，对所述支付密码进行验证。
  10. 一种数字货币的支付方法，其特征在于，应用于第二客户端，包括：
    通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
    向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
  11. 根据权利要求10所述的数字货币的支付方法，其特征在于，
    在所述接收第一客户端发送的支付请求之前，还包括：建立第一客户端与第二客户端之间的通信连接；
    在所述接收第一客户端发送的支付请求之后，在所述向第二客户端对应的第二货币管理装置发送数字货币兑付请求之前，还包括：在所述第一客户端与第二客户端之间的通信连接断开的情况下，重新建立所述第一客户端与第二客户端之间的通信连接。
  12. 根据权利要求11所述的数字货币的支付方法，其特征在于，还包括：
    生成所述交易金额，并通过所述第一客户端与第二客户端之间的通信连接向所述第一客户端发送所述交易金额，以使所述第一客户端在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的所述支付密码。
  13. 根据权利要求11所述的数字货币的支付方法，其特征在于，
    在交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；
    向所述第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求还指示了所述支付密码。
  14. 根据权利要求12所述的数字货币的支付方法，其特征在于，
    在所述通信连接断开的情况下，基于下述一种或多种重新建立所述第一客户端与所述第二客户端之间的通信连接：交易标识、交易金额、时间戳、交易计数器、交易流水、第一客户端信息、第二客户端信息。
  15. 一种数字货币的支付方法，其特征在于，应用于第二货币管理装置，包括:
    接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的与交易金额对应的第一数字货币或用于支付的第一数字货币或所述第一数字货币的流通标识；
    将所述第一数字货币或所述流通标识发送至所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证；
    接收所述第一货币管理装置发送的所述第一数字货币或所述流通标识的验证结果；
    在所述第一数字货币或所述流通标识验证通过的情况下，生成与 所述交易金额对应的第二数字货币，并更新所述第二客户端对应的数字货币记录。
  16. 根据权利要求15所述数字货币的支付方法，其特征在于，还包括：
    在交易金额大于阈值金额的情况下，所述数字货币兑付请求还指示了与所述交易金额对应的支付密码，将所述支付密码发送至所述第一货币管理装置，以接收所述支付密码的验证结果。
  17. 一种用于数字货币支付的第一客户端，其特征在于，包括：交易金额获取模块、支付请求发送模块；其中，
    所述交易金额获取模块，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
    所述支付请求发送模块，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识，以使所述第二客户端对应的第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
  18. 根据权利要求17所述的第一客户端，其特征在于，还包括：通信连接建立模块，其中，
    所述通信连接建立模块，用于建立第一客户端与第二客户端之间的通信连接；在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
  19. 一种用于数字货币支付的第一货币管理装置，其特征在于，包括：导出请求接收模块、数字货币生成模块、数字货币下发模块；其中，
    所述导出请求接收模块，用于接收第一客户端发送的数字货币导 出请求，所述数字货币导出请求指示了交易金额；
    所述数字货币生成模块，用于生成与所述交易金额对应的第一数字货币；
    所述数字货币下发模块，用于将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端。
  20. 一种用于数字货币支付的第二客户端，其特征在于，包括：支付请求接收模块、数字货币兑付模块；其中，
    所述支付请求接收模块，用于通过第一客户端与第二客户端之间的通信连接，接收第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
    所述数字货币兑付模块，用于向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识，以使所述第二货币管理装置向所述第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
  21. 一种用于数字货币支付的第二货币管理装置，其特征在于，包括：兑付请求接收模块、数字货币发送模块、验证结果接收模块、数字货币生成模块；其中，
    所述兑付请求接收模块，用于接收第二客户端发送的数字货币兑付请求，所述数字货币兑付请求指示了第一客户端发送的与交易金额对应的第一数字货币或所述第一数字货币的流通标识；
    所述数字货币发送模块，用于将所述第一数字货币或所述流通标识发送至所述第一客户端对应的第一货币管理装置，以使所述第一货币管理装置对所述第一数字货币或所述流通标识进行验证；
    所述验证结果接收模块，用于接收所述第一货币管理装置发送的所述第一数字货币或所述流通标识的验证结果；
    所述数字货币生成模块，用于在所述第一数字货币或所述流通标识验证通过的情况下，生成与所述交易金额对应的第二数字货币，并 更新所述第二客户端对应的数字货币记录。
  22. 一种数字货币的支付系统，其特征在于，包括：第一客户端、第二客户端、第一客户端对应的第一货币管理装置、第二客户端对应的第二货币管理装置；其中，
    所述第一客户端，用于生成交易金额或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额，并通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了与所述交易金额对应的第一数字货币或所述第一数字货币的流通标识；
    所述第二客户端，用于通过第一客户端与第二客户端之间的通信连接接收第一客户端发送的所述支付请求，并向第二客户端对应的第二货币管理装置发送数字货币兑付请求，所述数字货币兑付请求指示了所述第一数字货币或所述流通标识；
    所述第一货币管理装置，用于接收第一客户端发送的数字货币导出请求，所述数字货币导出请求指示了所述交易金额，生成与所述交易金额对应的第一数字货币，并将所述第一数字货币或所述第一数字货币的流通标识下发至所述第一客户端；
    所述第二货币管理装置，用于接收第二客户端发送的数字货币兑付请求，并向第一客户端对应的第一货币管理装置兑付与所述交易金额对应的第二数字货币。
  23. 一种数字货币的支付方法，其特征在于，应用于第一客户端，包括：
    生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
    对所述交易金额对应的数据货币进行签名；
    通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；
    根据所述交易金额更新所述第一客户端对应的数字货币。
  24. 根据权利要求23所述的数字货币的支付方法，其特征在于，
    还包括：建立第一客户端与第二客户端之间的通信连接；
    在所述对所述交易金额对应的数字货币进行签名之后，还包括：
    在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
  25. 根据权利要求24所述的数字货币的支付方法，其特征在于，还包括：
    判断所述交易金额是否大于阈值金额，并在所述交易金额大于阈值金额的情况下，获取与所述交易金额对应的支付密码；
    在所述交易金额大于阈值金额的情况下，所述支付请求还指示了所述支付密码。
  26. 一种数字货币的支付方法，其特征在于，应用于第二客户端，包括：
    通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；
    对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
  27. 根据权利要求26所述的数字货币的支付方法，其特征在于，还包括：
    建立第一客户端与第二客户端之间的通信连接；
    在所述通信连接断开的情况下，重新建立所述第一客户端与所述第二客户端之间的通信连接。
  28. 根据权利要求27所述的数字货币的支付方法，其特征在于，还包括：
    在通过所述通信连接接收所述第一客户端发送的支付请求之前，生成所述交易金额，并通过所述通信连接向所述第一客户端发送所述交易金额。
  29. 根据权利要求28所述的数字货币的支付方法，其特征在于，
    在所述交易金额大于阈值金额的情况下，所述支付请求还指示了与所述交易金额对应的支付密码；
    对所述支付密码进行验证，以在验证通过的情况下，根据所述交易金额对应的数字货币更新所述第二客户端对应的数字货币。
  30. 一种用于数字货币支付的第一客户端，包括：交易金额获取模块、数字货币签名模块、支付请求发送模块、数字货币更新模块；其中，
    所述交易金额获取模块，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；
    所述数字货币签名模块，用于对所述交易金额对应的数据货币进行签名；
    所述支付请求发送模块，用于通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；
    所述数字货币更新模块，用于根据所述交易金额更新所述第一客户端对应的数字货币。
  31. 一种用于数字货币支付的第二客户端，其特征在于，包括：支付请求接收模块、签名信息验证模块；其中，
    所述支付请求接收模块，用于通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；
    所述签名信息验证模块，用于对所述第一客户端的签名信息进行 验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
  32. 一种数字货币的支付系统，其特征在于，包括：第一客户端、第二客户端；其中，
    所述第一客户端，用于生成交易金额，或通过第一客户端与第二客户端之间的通信连接获取所述第二客户端发送的所述交易金额；对所述交易金额对应的数据货币进行签名；通过所述通信连接向所述第二客户端发送支付请求，所述支付请求指示了所述交易金额对应的数字货币、所述第一客户端的签名信息；根据所述交易金额更新所述第一客户端对应的数字货币；
    所述第二客户端，用于通过第一客户端与第二客户端之间的通信连接，接收所述第一客户端发送的支付请求，所述支付请求指示了与交易金额对应的数字货币、第一客户端的签名信息；对所述第一客户端的签名信息进行验证，并在验证通过的情况下根据所述交易金额更新所述第二客户端的数字货币。
  33. 一种用于数字货币存储的安全芯片，其特征在于，包括：存储模块和第一通信模块；其中，
    所述存储模块，用于存储与数字货币的相关的保密信息；
    所述第一通信模块，用于当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
  34. 根据权利要求33所述的安全芯片，其特征在于，
    所述保密信息包括以下任意一个或多个：所述终端对应的第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥、货币管理装置的公钥、数字货币、所述数字货币的标识信息、所述数字货币的交易次数阈值、所述数字货币的离线时长阈值、所述用户的支付密钥、所述用户的支付额度、所述应用的状态信息、所述应用的标识信息以 及所述终端的标识信息。
  35. 根据权利要求33所述的安全芯片，其特征在于，
    所述存储模块，用于根据保密信息的保密级别，确定所述保密信息的存储状态，并根据所述存储状态对所述保密信息进行存储；其中，所述存储状态指示了所述保密信息是否对用户可见。
  36. 根据权利要求34所述的安全芯片，其特征在于，
    当所述安全芯片的可用存储空间小于预设阈值时，所述第一通信模块，用于向所述应用或终端发送关于上线更新所述数字货币、和/或限制交易次数的提示信息。
  37. 一种用于数字货币存储的第一终端，包括：利用所述数字货币进行交易的应用、以及权利要求33至36任一所述的安全芯片；其中，
    所述安全芯片，用于存储与数字货币相关的保密信息；
    所述应用，用于当接收到与所述数字货币相关的交易请求时，向所述安全芯片发送信息请求，以根据所述信息请求从所述安全芯片中获取与所述数字货币相关的保密信息。
  38. 根据权利要求37所述的第一终端，其特征在于，
    所述安全芯片以全终端、SIM卡、SD卡、IC芯片、SIF或PSAM卡的形式设置于所述第一终端中。
  39. 根据权利要求37所述的第一终端，其特征在于，
    所述应用，还用于根据所述保密信息，对所述交易请求进行验证，根据验证结果确定是否执行所述交易请求对应的交易。
  40. 根据权利要求37所述的第一终端，其特征在于，还包括：
    所述应用，还用于根据所述保密信息对所述交易请求指示的交易信息进行加密，并将加密后的所述交易信息发送给所述交易请求指示 的第二终端。
  41. 根据权利要求37所述的第一终端，其特征在于，还包括：处理模块；其中，
    所述处理模块，用于接收货币管理装置发送的与数字货币相关的信息的保密级别；根据所述保密级别，从所述信息中确定可存储于所述安全芯片的所述保密信息，并将所述保密信息存储于所述安全芯片中。
  42. 根据权利要求41所述的第一终端，其特征在于，
    所述处理模块，还用于确定所述安全芯片的安全等级，根据所述安全等级确定与所述数字货币相关的交易金额阈值。
  43. 一种用于数字货币存储的货币管理装置，其特征在于，包括：级别确定模块和第二通信模块；其中，
    所述级别确定模块，用于确定与数字货币相关的信息的保密级别；
    所述第二通信模块，用于将所述信息以及所述信息的保密级别发送给利用所述数字货币进行交易的终端；使得所述终端根据所述信息的保密级别确定出保密信息，并将所述保密信息存储于所述终端的安全芯片中。
  44. 一种用于数字货币存储的安全芯片的应用方法，其特征在于，包括：
    存储与数字货币的相关的保密信息；
    当接收到应用或终端发送的信息请求时，根据所述信息请求向所述应用或所述终端发送所述保密信息；其中，所述应用或终端是利用所述数字货币进行交易的应用或终端。
  45. 根据权利要求44所述的方法，其特征在于，所述存储与数字货币的相关的保密信息，包括：
    根据保密信息的保密级别，确定所述保密信息的存储状态；
    根据所述存储状态对所述保密信息进行存储；其中，所述存储状态指示了所述保密信息是否对用户可见。
  46. 根据权利要求44所述的方法，其特征在于，
    所述保密信息包括以下任意一个或多个：所述终端对应的第一用户的私钥和公钥、所述第一用户所指定的第二用户的公钥、货币管理装置的公钥、数字货币、所述数字货币的标识信息、所述数字货币的交易次数阈值、所述数字货币的离线时长阈值、所述用户的支付密钥、所述用户的支付额度、所述应用的状态信息、所述应用的标识信息以及所述终端的标识信息。
  47. 根据权利要求46所述的方法，其特征在于，
    当所述安全芯片的可用存储空间小于预设阈值时，向所述应用或终端发送关于上线更新所述数字货币、和/或限制交易次数的提示信息。
  48. 一种用于数字货币存储的第一终端的应用方法，其特征在于，包括：
    利用安全芯片存储与数字货币相关的保密信息；
    当接收到与所述数字货币相关的交易请求时，向所述安全芯片发送信息请求，以根据所述信息请求从所述安全芯片中获取与所述数字货币相关的保密信息。
  49. 根据权利要求48所述的方法，其特征在于，所述利用安全芯片存储与数字货币相关的保密信息，包括：
    接收货币管理装置发送的与数字货币相关的信息的保密级别；
    根据所述保密级别，从所述信息中确定可存储于所述安全芯片的所述保密信息，并将所述保密信息存储于所述安全芯片中。
  50. 一种用于数字货币支付的电子设备，其特征在于，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1-16、23-29以及44-49中任一所述的方法。
  51. 一种计算机可读介质，其上存储有计算机程序，其特征在于，所述程序被处理器执行时实现如权利要求1-16、23-29以及44-49中任一所述的方法。
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