The invention provides a virtual currency transaction method, a virtual currency hardware wallet system and a virtual currency transaction system. A computer device reads a private key, a public key and address information stored in an intelligent card through an NFC module; The computer device comprises a transaction construction module which uses read address information as a sender address to construct a transaction instruction and transmits the transaction instruction to the intelligent card through the NFC module; Wherein the intelligent card comprises a digital signature module and an NFC communication module, performs digital signature on a transaction by utilizing a stored private key, and sends a signed result to the computer device through the NFC communication module; And the computer device also comprises an information sending module which sends the transaction information to the blockchain node after receiving a result sent by the smart card to complete the transaction. The Existing mobile computer device is fully utilized, a simple and cheap smart card is combined to realize the virtual currency hardware wallet system, the cost is reduced, and the portability and thesafety are improved.