Consumption system and method based on digital currency hard wallet

The invention relates to a consumption system and method based on a digital currency hard wallet. The system comprises the digital currency hard wallet loaded with a consumption intelligent contract, a digital currency system, a commodity sales system, a transaction terminal, a server and a prepayment card management system. The prepaid card management system is used for adjusting service parameters of the consumption smart contract according to service requirements to obtain a newly configured service rule and generating a configuration file; the server is used for performing message conversion on the configuration file to form an editable smart contract parameter file, loading the editable smart contract parameter file to the commodity sales system, and updating the original smart contract based on the editable smart contract parameter file to obtain a current smart contract; and the commodity sales system is used for loading the current smart contract to each authenticated transaction terminal. According t