CN112950197A - Digital currency intelligent wallet application method and system, storage medium and intelligent wallet terminal - Google Patents
Digital currency intelligent wallet application method and system, storage medium and intelligent wallet terminalDownload PDFInfo
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- CN112950197A CN112950197ACN202110313260.4ACN202110313260ACN112950197ACN 112950197 ACN112950197 ACN 112950197ACN 202110313260 ACN202110313260 ACN 202110313260ACN 112950197 ACN112950197 ACN 112950197A
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- 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
- G06Q20/3674—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 involving authentication
- G—PHYSICS
- G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
- G06Q20/3821—Electronic credentials
- G06Q20/38215—Use of certificates or encrypted proofs of transaction rights
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Abstract
Description
Technical Field
The invention relates to the technical field of digital currency payment, in particular to an application method and system of a digital currency intelligent wallet, a storage medium and an intelligent wallet terminal.
Background
Any currency needs to be in a specific form and carrying mode, and legal digital currency is no exception. The specific form of national legal digital currency is encryption string. The encryption string includes the amount of the digital currency, an issuer identification, and an owner identification. Digital currency may be embodied or carried in a digital wallet that may be applied to a smart phone, computer, tablet or bank card, etc.
Digital currency systems issued by the central lines of our country may not be associated with existing bank account systems. However, the digital currency issuing follows a binary system from a central bank to a commercial bank, and the current social and economic activities are mainly developed based on a commercial bank account system, so that the function of the digital currency wallet is expanded based on the existing bank account system, the existing mature technology and business system of the bank can be fully utilized, and the issuing and application of the digital currency are further rapidly expanded.
However, for the existing electronic or digital wallet based on the account system, the function is an extension of the account function, which is only one entrance or medium for account access, and the transactions that these wallets take part in are actually the transactions of the back account system, and the wallet itself does not actually store any actual funds or assets, but only serves as a front-end display of the accounting data and functions of the background account system. Thus, none of these wallets are stand-alone wallets, but rely on the original account system.
Thus, if a digital currency wallet were built relying entirely on existing bank account architectures, the following disadvantages would exist:
(1) firstly, the whole functions of a complete digital currency wallet entity based on a terminal environment cannot be comprehensively realized, including the functions of a key and an authentication security module with complete bottom layers and high security level, as well as the functions of actual storage and keeping of digital currency, direct transaction transfer of the digital currency between wallets and the like, so that the self-adaptive service capability of restricting the application diversity of the front-end digital currency wallet can be limited;
(2) secondly, the existing wallet is too dependent on mechanisms such as wallet service providers or commercial banks in the aspect of key management, the wallet is insufficient in safety, and a localized safety technology is not fully utilized;
(3) finally, the account-centered wallet concentrates all transactions, management and data on the account center, so that the central load is large, and personal data cannot be autonomously controlled and controlled, and the transaction requirements of digital currency personalization and anonymity cannot be met.
Disclosure of Invention
In view of the above-mentioned shortcomings of the prior art, the present invention provides a method, a system, a storage medium and a smart wallet application terminal for digital currency, which can independently realize the storage, transaction and transaction data management of digital currency, and can be interconnected and synchronized with multiple bank currency wallets.
In order to achieve the above objects and other related objects, the present invention provides a method for applying a digital currency smart wallet to a smart wallet terminal, comprising the steps of: establishing and managing one or more digital currency smart wallets, each digital currency smart wallet being associated with a bank currency wallet; and performing digital currency transaction based on any one of the digital currency smart wallets, and performing digital currency transfer and storage after the associated bank currency wallet performs digital currency authorization.
In one embodiment of the present invention, establishing and managing one or more digital currency smart wallets further comprises performing security authentication on the digital currency smart wallets;
the security authentication of the digital currency smart wallet comprises the following steps:
performing self-checking on the intelligent wallet terminal;
applying and installing a user key and a digital certificate of the intelligent wallet terminal based on one or a combination of an account password and a biological characteristic;
logging in the digital currency intelligent wallet terminal based on one or a combination of an account password and a biological characteristic;
for each digital currency smart wallet, downloading, installing and configuring a user key and a digital certificate corresponding to the digital currency smart wallet, initializing a secure environment of the digital currency smart wallet, and connecting the digital currency smart wallet with an associated bank currency wallet.
In an embodiment of the present invention, the digital currency smart wallets operate independently of each other without data interaction.
In an embodiment of the present invention, the method further comprises performing statistical analysis on the transaction records of each digital currency smart wallet and all digital currency smart wallets.
In an embodiment of the present invention, the digital currency transaction includes one or more combinations of a two-party online transaction, a one-party offline transaction, and a two-party offline transaction.
In an embodiment of the invention, the method further comprises submitting the digital currency transaction record request in a batch manner to enable the associated bank currency wallet to perform digital currency validation.
In an embodiment of the present invention, a digital currency merging or splitting scheme is formulated visually and interactively, or a digital currency merging or splitting scheme recommended intelligently is accepted, and merging or splitting of digital currency is realized in the same digital currency smart wallet transaction mode.
The invention provides a digital currency intelligent wallet application system, which is applied to an intelligent wallet terminal and comprises a management module and a transaction module;
the management module is used for establishing and managing one or more digital currency smart wallets, each digital currency smart wallet being associated with a bank currency wallet;
the transaction module is used for conducting digital currency transaction based on any digital currency intelligent wallet and conducting digital currency transfer and storage after the associated bank currency wallet conducts digital currency authorization.
The present invention provides a storage medium having stored thereon a computer program which, when executed by a processor, implements the above-described digital currency smart wallet application method.
The invention provides an intelligent wallet terminal, comprising: a processor and a memory;
the memory is used for storing a computer program;
the processor is configured to execute the computer program stored by the memory to cause the smart wallet terminal to perform the digital money smart wallet application method described above.
The invention provides a digital currency intelligent wallet application system, which comprises the intelligent wallet terminal, a bank currency wallet associated with a digital currency intelligent wallet in the intelligent wallet terminal;
the bank currency wallet is used for issuing digital currency to the associated digital currency smart wallet and performing digital currency authorization according to a digital currency transaction request sent by the digital currency smart wallet.
As described above, the digital currency smart wallet application method, system, storage medium and smart wallet terminal of the present invention have the following advantages:
(1) the digital currency intelligent wallet is a real digital and independent entity terminal intelligent wallet realized according to a 'central bank-commercial bank' binary mode architecture, can be synchronously butted with a plurality of back-end bank digital currency wallets in real time/timing, can provide various digital currency wallet application functions in a terminal localization polymerization manner, becomes a personal mobile bank convenient for a user to carry, and meets the digital wallet functions of point-to-point online payment, offline payment, personal currency management, personal transaction record storage, intelligent analysis and the like of digital currency;
(2) the digital currency intelligent wallet terminal can directly realize a large amount of currency point-to-point transactions, reduce the load of a centralized transaction platform at a bank end, better protect the privacy requirement of the digital currency transactions, and is convenient to adapt to the popularization of various domestic and foreign digital currency personalized application scenes;
(3) the method is convenient to integrate into the mature technology and business process system of the existing bank/payment mechanism, has no requirements and restrictions on the specific technical architecture and the safety technical standard and process specification of the digital currency wallet operation environment, can realize the safety APP wallet based on a smart phone, can also realize the intelligent wallet based on a special handheld hardware carrier, and has low research and development and deployment cost and easy popularization.
Drawings
FIG. 1 is a flow chart illustrating a digital currency smart wallet application method of the present invention in one embodiment;
FIG. 2 is a schematic diagram of the relationship between the digital currency smart wallet and the bank currency wallet of the present invention in one embodiment;
FIG. 3 is a schematic diagram of the digital currency smart wallet of the present invention in one embodiment;
FIG. 4 is a schematic diagram of an embodiment of the digital currency smart wallet application system of the present invention;
fig. 5 is a schematic structural diagram of the smart wallet terminal according to an embodiment of the present invention;
fig. 6 is a schematic structural diagram of the digital currency smart wallet application system according to an embodiment of the present invention.
Description of the element reference numerals
41 management module
42 transaction module
51 processor
52 memory
61 intelligent wallet terminal
62 money purse for bank
Detailed Description
The embodiments of the present invention are described below with reference to specific embodiments, and other advantages and effects of the present invention will be easily understood by those skilled in the art from the disclosure of the present specification. The invention is capable of other and different embodiments and of being practiced or of being carried out in various ways, and its several details are capable of modification in various respects, all without departing from the spirit and scope of the present invention. It is to be noted that the features in the following embodiments and examples may be combined with each other without conflict.
It should be noted that the drawings provided in the following embodiments are only for illustrating the basic idea of the present invention, and the components related to the present invention are only shown in the drawings rather than drawn according to the number, shape and size of the components in actual implementation, and the type, quantity and proportion of the components in actual implementation may be changed freely, and the layout of the components may be more complicated.
The digital currency intelligent wallet application method, the system, the storage medium and the intelligent wallet terminal integrate the digital currency intelligent wallets related to a plurality of bank currency wallets into one intelligent wallet terminal, so that the storage, transaction and transaction data management of the digital currency of each bank can be independently realized, the digital currency intelligent wallet can be interconnected and synchronized with the bank currency wallets, the experience of using the digital currency by a user is greatly improved, and the intelligent wallet terminal has high practicability. The smart wallet terminal may have various implementation forms, including but not limited to: the safety APP based on the existing smart phone is a safety wallet system or an intelligent wallet card based on handheld and portable independent hardware. The APP issuing mechanism can be a financial mechanism such as a bank and can also be an intelligent wallet supplier of a non-financial mechanism. A general dedicated hardware device needs to have common components such as a camera, a touch screen, communication, an external interface, and a built-in rechargeable power supply.
As shown in fig. 1, in an embodiment, the method for applying a digital currency smart wallet of the present invention to a smart wallet terminal includes the following steps:
step S1, one or more digital currency smart wallets are established and managed, each digital currency smart wallet being associated with a bank currency wallet.
Specifically, it is first necessary to install a digital money smart wallet on a smart wallet terminal, and then to perform security authentication on the digital money smart wallet. In an embodiment of the present invention, the security authentication of the digital currency smart wallet includes the following steps:
A) and self-checking the intelligent wallet terminal.
Specifically, firstly, self-checking is performed on the smart wallet terminal to judge whether software and hardware of the current smart wallet terminal meet the security level requirement. Only when the self-test passes, the subsequent use can be carried out. Preferably, the self-check is performed based on a preset time interval, and the self-check is immediately turned off once the security of the smart wallet terminal is found to be not satisfactory.
B) And applying and installing a user key and a digital certificate of the intelligent wallet terminal based on one or the combination of the account password and the biological characteristics.
Specifically, for the smart wallet terminal, the user sets an account password and/or biometric features for subsequent login. The biological characteristics comprise one or more of fingerprints, human faces and irises. And simultaneously, applying for a user key and a digital certificate and installing.
C) Logging in the digital currency smart wallet terminal based on one or a combination of an account password and a biometric feature.
Specifically, the login of the intelligent wallet terminal is completed based on an account password and/or biological characteristics set by the user.
D) For each digital currency smart wallet, downloading, installing and configuring a user key and a digital certificate corresponding to the digital currency smart wallet, initializing a secure environment of the digital currency smart wallet, and connecting the digital currency smart wallet with an associated bank currency wallet.
Specifically, after the smart wallet terminal logs in, a digital currency smart wallet is established on the smart wallet terminal. Wherein each digital currency smart wallet is associated with a bank currency wallet of a bank, as shown in fig. 2, enabling free exchange of digital currency based on the bank currency wallet, thereby enabling linkage between the digital currency smart wallet of the front end and the bank currency wallet of the back end. In one embodiment of the present invention, establishing a digital currency smart wallet comprises the following steps:
a) and setting the intelligent wallet terminal to be in a safe networking state.
b) Downloading, installing and configuring a user key, a digital certificate and the like corresponding to the digital currency intelligent wallet on the intelligent wallet terminal, and initializing the security environment of the digital currency intelligent wallet.
c) And inputting account passwords of the bank and bank currency wallet corresponding to the digital currency intelligent wallet, identifying and verifying the biological characteristics of the user, verifying the digital certificate of the wallet user, and establishing connection with the bank currency wallet after verification is passed.
d) Synchronizing the digital currency, the transaction records and the like of the bank currency wallet to the digital currency intelligent wallet, so as to check all the information of the digital currency list string, the amount, the transaction records and the like of the digital currency intelligent wallet.
Because each user may set up the digital currency intelligent wallet in a plurality of bank institutions, each bank currency wallet needs independent digital certificate security authentication, and through a handheld intelligent wallet terminal, under the condition of satisfying the security identity authentication, a plurality of bank currency wallets can be directly and safely connected and loaded, thereby realizing the synchronization of the bank currency wallets and the intelligent wallet terminal. Through the interconnection and butt joint of the bank currency wallet and the intelligent wallet terminal, the closed-loop application of complete issuing, transaction, management and right confirmation of digital currency is effectively realized.
Step S2, conducting a digital money transaction based on any of the digital money smart wallets, and conducting a transfer storage of digital money after a digital money authorization is conducted in an associated bank money wallet.
Specifically, as shown in fig. 3, the digital currency smart wallet of each bank on the smart wallet terminal is a virtual and independent secure operating environment, and services such as respective secure authentication, currency storage, currency transaction, wallet interface and the like are independently and separately operated without sharing data. Preferably, the interface security authentication standards for each digital currency smart wallet are different. Meanwhile, each digital currency smart wallet can also share some data areas, such as historical transaction records, and can share the data areas to a single safe sharing area, so that each user can conveniently store and manage the transaction records of each digital currency smart wallet and all digital currency smart wallets and perform statistical analysis. For example, the smart wallet terminal home page can present the total digital currency amount of all wallets in real time, and intelligently analyze recent (day/month/season) digital currency transaction data and provide a globally visualized consumption/income/credit/points chart. Meanwhile, for each digital currency intelligent wallet, a visual and interactive scheme for merging or splitting digital currencies can be provided, or an intelligent recommendation scheme is accepted, and the merging or splitting of the digital currencies is realized in a transaction mode in the same digital currency intelligent wallet, so that the storage space optimization management and the requirement for offline payment of the digital currency change making are facilitated. Preferably, transaction records generated when the digital currency smart wallet transacts are stored in the transaction module of each digital currency smart wallet, and the transaction records generated after the right is confirmed are transferred and stored in the historical transaction record database module.
In addition, each digital currency intelligent wallet can share data analysis, transaction records, communication service, external data interfaces and the like, so that the architecture is simplified, and the cost is saved. The communication service can physically turn on/off the network state of the wallet terminal and support two use modes of off-line and on-line digital currency intelligent wallets; the device supports near-field offline payment through touch, shake and can comprise a Bluetooth module, a near-field communication module and the like. The transaction database records and the like can be imported into a fixed memory such as a computer, a magnetic disk, a mobile hard disk and the like through the external data interface.
Therefore, when a transaction based on digital currency is required, one digital currency smart wallet can be arbitrarily selected and entered into the selected wallet environment. The user may select a two-party online transaction, a one-party offline transaction, or a two-party offline transaction. The wallet can be identified by scanning the code or by near-field payment means such as touching/shaking the wallet and the like during transaction. During off-line transaction, the payment digital currency, the change digital currency and the signature transaction records are transferred and exchanged among digital currency intelligent wallets and stored, and the right is required to be confirmed. When the digital currency intelligent wallet is networked, the transaction record requests are submitted in batches in an automatic/manual mode, so that the requirement that proxy bank service is required for each transaction is reduced, and a large number of transactions can be processed in real time point-to-point and offline through the intelligent wallet terminal. And the associated bank money wallets request to perform digital money transaction authorization and corresponding bank wallet synchronization according to the transaction record. The digital currency intelligent wallet stores and manages the digital currency after the right is confirmed, thereby realizing the personalized management of transaction records and the digital currency and protecting the privacy of users. And finally, exiting the current digital currency intelligent wallet, and disconnecting the network or turning off the power supply of the intelligent wallet terminal.
Preferably, two digital currency smart wallets of the same user can conduct digital currency transfers by way of a transaction. It should be noted that, during the period when the digital currency smart wallet is not used, the smart wallet terminal may be turned off from the networking state as much as possible, for example, the power should be turned off directly by using independent hardware, so as to prevent the risk of network attack and digital currency theft.
Preferably, the smart wallet terminal can store digital money, store offline transaction digital money received by the smart wallet, display a digital money list and automatically remind the condition of the storage space and the residual size of the digital money; meanwhile, the validity of input and output digital currency can be independently verified, namely public keys of an issuing organization and a bank wallet are stored, and the digital currency verification device is provided with a currency verification module.
As shown in fig. 4, in an embodiment, the digital currency smart wallet application system of the present invention is applied to a smart wallet terminal, and includes amanagement module 41 and atransaction module 42.
Themanagement module 41 is used to establish and manage one or more digital currency smart wallets, each associated with a bank currency wallet.
Thetransaction module 42 is connected to theadministration module 41 for conducting digital money transactions based on any of the digital money smart wallets and for conducting digital money transfers and storage after digital money validation at the associated bank money wallet.
The structures and principles of themanagement module 41 and thetransaction module 42 correspond to the steps in the above-mentioned digital currency smart wallet application method, and thus are not described herein again.
It should be noted that the division of the modules of the above apparatus is only a logical division, and the actual implementation may be wholly or partially integrated into one physical entity, or may be physically separated. And the modules can be realized in a form that all software is called by the processing element, or in a form that all the modules are realized in a form that all the modules are called by the processing element, or in a form that part of the modules are called by the hardware. For example: the x module can be a separately established processing element, and can also be integrated in a certain chip of the device. In addition, the x-module may be stored in the memory of the apparatus in the form of program codes, and may be called by a certain processing element of the apparatus to execute the functions of the x-module. Other modules are implemented similarly. All or part of the modules can be integrated together or can be independently realized. The processing element described herein may be an integrated circuit having signal processing capabilities. In implementation, each step of the above method or each module above may be implemented by an integrated logic circuit of hardware in a processor element or an instruction in the form of software. These above modules may be one or more integrated circuits configured to implement the above methods, such as: one or more Application Specific Integrated Circuits (ASICs), one or more microprocessors (DSPs), one or more Field Programmable Gate Arrays (FPGAs), and the like. When a module is implemented in the form of a Processing element scheduler code, the Processing element may be a general-purpose processor, such as a Central Processing Unit (CPU) or other processor capable of calling program code. These modules may be integrated together and implemented in the form of a System-on-a-chip (SOC).
The storage medium of the present invention has stored thereon a computer program that, when executed by a processor, implements the above-described digital currency smart wallet application method. Preferably, the storage medium includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
As shown in fig. 5, in an embodiment, the smart wallet terminal of the present invention includes: aprocessor 51 and amemory 52.
Thememory 52 is used for storing computer programs.
Thememory 52 includes: various media that can store program codes, such as ROM, RAM, magnetic disk, U-disk, memory card, or optical disk.
Theprocessor 51 is connected to thememory 52 for executing the computer program stored in thememory 52 to cause the smart wallet terminal to execute the above-described digital money smart wallet application method.
Preferably, theProcessor 51 may be a general-purpose Processor, including a Central Processing Unit (CPU), a Network Processor (NP), and the like; the Integrated Circuit may also be a Digital Signal Processor (DSP), an Application Specific Integrated Circuit (ASIC), a Field Programmable Gate Array (FPGA) or other Programmable logic device, discrete Gate or transistor logic device, or discrete hardware components.
As shown in fig. 6, in one embodiment, the digital money smart wallet application system of the present invention includes the above-described smart wallet terminal 61 and a bank money wallet 62 associated with a digital money smart wallet in the smart wallet terminal 61.
The bank currency wallet 62 is used to issue digital currency to the associated digital currency smart wallet and to perform digital currency validation according to digital currency transaction record requests sent from the digital currency smart wallet.
Specifically, the intelligent wallet terminal can directly and synchronously transact and pay digital money with each bank and payment platform, so that the digital money intelligent wallets in the existing mode located in multiple banks and payment platforms are all aggregated to one handheld intelligent wallet terminal by taking an individual as a unit, the full aggregation of the digital money, payment channels and consumption records is realized, and the portable individual bank is formed.
The bank currency wallet only needs the issuer to fulfill the necessary digital currency legalization procedures, i.e., digital currency issuance and validation, based on the bank wallet side. When the electronic wallet is issued, the fund of the bank account is exchanged into the digital currency of the bank wallet; when the right is confirmed, the original money can be discarded, a new money is generated to confirm the right, and the right is confirmed only by providing the original digital money and original owner signature information (including key information required for confirming the right, such as a money serial number, an amount, a payee wallet number and the like, but not complete transaction information). In addition, the bank currency wallet is also used for recording information such as numbers, amounts and directions of incoming and outgoing digital currencies, and is convenient for financial supervision departments such as digital currency tracking and anti-money laundering.
Although the external data interface of the smart wallet terminal is capable of automatically/periodically synchronizing with the bank money wallet and submitting requests in a batch manner when networked, exchanging data with the bank money wallet, authorizations, etc. However, in order to prevent the wallet from being lost, damaged, and the like, digital money also needs to be held in the bank money wallet, which functions as a "safe deposit box". The bank can charge the keeping fee, and the amount of the keeping fee can be charged according to the storage space, the security level and the like. Therefore, the transaction records and the like can be stored in the intelligent wallet terminal to form a handheld personal bank and personal intelligent data center, so that the personal data is protected, the value can be generated for the personal data, and the effects of anonymization and privacy protection of digital currency transactions are really achieved.
In summary, the digital currency intelligent wallet application method, the system, the storage medium and the intelligent wallet terminal of the invention are real digital and independent entity terminal intelligent wallets realized according to a binary mode architecture of 'central bank-commercial bank', can be synchronously docked with a plurality of back-end bank digital currency wallets in real time/timing, can locally aggregate and provide various digital currency wallet application functions at the terminal, become a personal mobile bank convenient for users to carry, and meet the digital wallet functions of point-to-point online payment, offline payment, personal currency management, personal transaction record storage, intelligent analysis and the like of digital currency; the digital currency intelligent wallet terminal can directly realize a large amount of currency point-to-point transactions, reduce the load of a centralized transaction platform at a bank end, better protect the privacy requirement of the digital currency transactions, and is convenient to adapt to the popularization of various domestic and foreign digital currency personalized application scenes; the method is convenient to integrate into the mature technology and business process system of the existing bank/payment mechanism, has no requirements and restrictions on the specific technical architecture and the safety technical standard and process specification of the digital currency wallet operation environment, can realize the safety APP wallet based on a smart phone, can also realize the intelligent wallet based on a special handheld hardware carrier, and has low research and development and deployment cost and easy popularization. Therefore, the invention effectively overcomes various defects in the prior art and has high industrial utilization value.
The foregoing embodiments are merely illustrative of the principles and utilities of the present invention and are not intended to limit the invention. Any person skilled in the art can modify or change the above-mentioned embodiments without departing from the spirit and scope of the present invention. Accordingly, it is intended that all equivalent modifications or changes which can be made by those skilled in the art without departing from the spirit and technical spirit of the present invention be covered by the claims of the present invention.
Claims (11)
1. A digital currency intelligent wallet application method is applied to an intelligent wallet terminal, and is characterized in that: the method comprises the following steps:
establishing and managing one or more digital currency smart wallets, each digital currency smart wallet being associated with a bank currency wallet;
and performing digital currency transaction based on any one of the digital currency smart wallets, and performing digital currency transfer and storage after the associated bank currency wallet performs digital currency authorization.
2. The digital currency smart wallet application method of claim 1, wherein: establishing and managing one or more digital currency smart wallets further comprises performing security authentication on the digital currency smart wallets;
the security authentication of the digital currency smart wallet comprises the following steps:
performing self-checking on the intelligent wallet terminal;
applying and installing a user key and a digital certificate of the intelligent wallet terminal based on one or a combination of an account password and a biological characteristic;
logging in the digital currency intelligent wallet terminal based on one or a combination of an account password and a biological characteristic;
for each digital currency smart wallet, downloading, installing and configuring a user key and a digital certificate corresponding to the digital currency smart wallet, initializing a secure environment of the digital currency smart wallet, and connecting the digital currency smart wallet with an associated bank currency wallet.
3. The digital currency smart wallet application method of claim 1, wherein: the digital currency intelligent wallets operate independently of each other and do not perform data interaction.
4. The digital currency smart wallet application method of claim 1, wherein: further comprising statistically analyzing the transaction records for each digital currency smart wallet as well as all digital currency smart wallets.
5. The digital currency smart wallet application method of claim 1, wherein: the digital currency transaction comprises one or more combinations of two-party online transaction, one-party offline transaction and two-party offline transaction.
6. The digital currency smart wallet application method of claim 1, wherein: further comprising submitting a request for digital currency transaction records on a batch basis to enable an associated bank currency wallet to perform digital currency validation.
7. The digital currency smart wallet application method of claim 1, wherein: the method also comprises the steps of making a digital currency merging or splitting scheme in a visual and interactive mode, or receiving an intelligently recommended digital currency merging or splitting scheme, and merging or splitting digital currencies in the same digital currency intelligent wallet transaction mode.
8. The utility model provides a digital currency intelligence wallet application system, is applied to intelligent wallet terminal, its characterized in that: comprises a management module and a transaction module;
the management module is used for establishing and managing one or more digital currency smart wallets, each digital currency smart wallet being associated with a bank currency wallet;
the transaction module is used for conducting digital currency transaction based on any digital currency intelligent wallet and conducting digital currency transfer and storage after the associated bank currency wallet conducts digital currency authorization.
9. A storage medium having stored thereon a computer program, characterized in that the program, when executed by a processor, implements the digital currency smart wallet application method of any one of claims 1 to 7.
10. An intelligent wallet terminal, comprising: a processor and a memory;
the memory is used for storing a computer program;
the processor is operable to execute the memory-stored computer program to cause the smart wallet terminal to perform the digital currency smart wallet application method of any one of claims 1 to 7.
11. A digital currency intelligent wallet application system is characterized in that: a bank currency wallet comprising the smart wallet terminal of claim 10, associated with a digital currency smart wallet in the smart wallet terminal;
the bank currency wallet is used for issuing digital currency to the associated digital currency smart wallet and performing digital currency authorization according to a digital currency transaction request sent by the digital currency smart wallet.
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