Resource exchange processing method, device, hardware wallet and product

Abstract

The present application discloses a resource exchange processing method, device, hardware wallet and product, which can be applied to the financial field or other fields. In the present application, if a resource exchange operation implemented on a hardware wallet is detected, a first resource exchange instruction is generated; the first resource exchange instruction is sent to the server to instruct the server to deduct the preset first exchange amount of the specified bank account to the hardware wallet with the wallet number; if the exchange success information fed back by the server is detected, the timing is started to obtain the accumulated time; if the accumulated time reaches the first preset time, the balance of the hardware wallet is determined; if the balance is greater than or equal to the preset upper limit threshold, a second resource exchange instruction is generated; the second resource exchange instruction is sent to the server to instruct the server to deduct the second exchange amount of the hardware wallet from the bank account, which can ensure that there is no situation where a large amount of money is held in the hardware wallet for a long time, and achieve the purpose of avoiding a large amount of property loss.

Description

Technical Field

[0001] The present application relates to the field of exchange, and more specifically, to a resource exchange processing method, device, hardware wallet and product. Background Art

[0002] With the development of digital currency, "hard wallet" or hardware wallet refers to a special electronic device that uses a security chip to generate and store private keys. It is isolated from the Internet and can be used at any time. For example, a wristband equipped with a hardware wallet chip can be used to pay by scanning it on the checkout device, or a cane equipped with a hardware wallet chip can be used to pay by touching it on the checkout device. Hardware wallets have also become more and more popular because of their ability to be used at any time, making payment more and more convenient.

[0003] However, while it brings convenience, it also creates the possibility that, for example, a hardware wallet may be lost and picked up by someone else and used for consumption, or the hardware wallet may be accidentally touched by a checkout device, thereby causing huge financial losses. Summary of the invention

[0004] In view of this, the present application provides a resource exchange processing method, device, hardware wallet and product.

[0005] To achieve the above objectives, this application provides the following technical solutions:

[0006] The first aspect of the present application provides a resource exchange processing method, comprising:

[0007] If a resource exchange operation implemented on the hardware wallet is detected, a first resource exchange instruction is generated, wherein the first resource exchange instruction includes the wallet number of the hardware wallet;

[0008] Sending the first resource exchange instruction to the server, wherein the first resource exchange instruction is used to instruct the server to deduct a preset first exchange amount from a specified bank account to the hardware wallet having the wallet number;

[0009] If the exchange success information fed back by the server is detected, the timing is started to obtain the accumulated time, and the exchange success information indicates that the first exchange amount of the bank account is successfully deducted to the hardware wallet with the wallet number;

[0010] If the accumulated time reaches a first preset time, determining the balance of the hardware wallet;

[0011] If the balance is greater than or equal to the preset upper threshold, a second resource exchange instruction is generated, the second resource exchange instruction includes a second exchange amount, the bank account and the wallet number, and the second exchange amount is the difference between the balance and the upper threshold;

[0012] The second resource exchange instruction is sent to the server, where the second resource exchange instruction is used to instruct the server to deduct the second exchange amount of the hardware wallet having the wallet number to the bank account.

[0013] In combination with the first aspect, in a first possible implementation manner, the present invention further includes:

[0014] If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period;

[0015] If the large-amount consumption demand information is detected, determining the larger of the two preset time periods as the first preset time period;

[0016] If the large-amount consumption demand information is not detected, the smaller of the two preset time periods is determined as the first preset time period.

[0017] In combination with the first aspect, in a first possible implementation manner, the following further includes:

[0018] If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period;

[0019] Correspondingly, if the exchange success information fed back by the server is detected, the timing is started to obtain the accumulated time step, which includes:

[0020] If the large-amount consumption demand information is detected, the timing starts when it is determined that the redemption success information corresponding to the multiple resource redemption operations has been received to obtain the accumulated duration.

[0021] In combination with the first aspect, in a first possible implementation manner, the following further includes:

[0022] Collecting fingerprint information through a fingerprint detector embedded in a physical button of the hardware wallet, or collecting voice information through a voice monitoring module embedded in the hardware wallet;

[0023] If the collected identity information matches the preset identity information, the step of generating the first resource exchange instruction is executed, and the collected identity information is the fingerprint information or the voice information.

[0024] In combination with the first aspect, in a first possible implementation manner, if a resource exchange operation implemented on the hardware wallet is detected, the step of generating a first resource exchange instruction includes:

[0025] If a resource exchange operation implemented on the hardware wallet is detected, the number of resource exchanges performed within the second preset time period is accumulated;

[0026] If the number of resource redemptions is greater than or equal to the preset upper limit, prompt the user to enter a redemption password;

[0027] If the exchange password input by the user matches the preset exchange password, a first resource exchange instruction is generated.

[0028] In combination with the first aspect, in a first possible implementation manner, if a resource exchange operation implemented on the hardware wallet is detected, the step of generating a first resource exchange instruction includes:

[0029] If a resource exchange operation implemented on the hardware wallet is detected, the number of resource exchanges performed during the second preset time period is accumulated;

[0030] If the resource exchange times are greater than or equal to the preset upper limit times, the resource exchange operation is not responded to;

[0031] If the resource exchange times are less than the preset upper limit times, a first resource exchange instruction is generated.

[0032] A second aspect of the present application provides a resource exchange processing device, including:

[0033] A first generating unit, if detecting a resource exchange operation implemented on the hardware wallet, generates a first resource exchange instruction, wherein the first resource exchange instruction includes a wallet number of the hardware wallet;

[0034] a first sending unit, configured to send the first resource exchange instruction to a server, wherein the first resource exchange instruction is used to instruct the server to deduct a preset first exchange amount from a designated bank account to a hardware wallet having the wallet number;

[0035] a timing unit, configured to start timing to obtain a cumulative duration if a successful exchange information fed back by the server is detected, wherein the successful exchange information indicates that the first exchange amount of the bank account has been successfully deducted to the hardware wallet having the wallet number;

[0036] A checking unit, configured to determine a balance of the hardware wallet if the accumulated time reaches a first preset time;

[0037] A second generating unit, configured to generate a second resource exchange instruction if the balance is greater than a preset upper threshold, the second resource exchange instruction comprising a second exchange amount, the bank account and the wallet number, the second exchange amount being the difference between the balance and the upper threshold;

[0038] The second sending unit is used to send the second resource exchange instruction to the server, where the second resource exchange instruction is used to instruct the server to deduct the second exchange amount of the hardware wallet having the wallet number to the bank account.

[0039] The third aspect of the present application provides a hardware wallet, including:

[0040] processor;

[0041] A memory for storing executable instructions of the hardware wallet;

[0042] The hardware wallet is configured to execute the instructions to implement any of the resource exchange processing methods described above.

[0043] In a fourth aspect, the present application provides a computer-readable storage medium. When the instructions in the storage medium are executed by the processor of the hardware wallet, the hardware wallet can execute any of the resource exchange processing methods described above.

[0044] A fifth aspect of the present application provides a computer program product that can be directly loaded into the internal memory of a computer, wherein the memory is the memory contained in the hardware wallet and contains software code, and the computer program can implement any of the resource exchange processing methods described above after being loaded and executed by the computer.

[0045] Through the above technical solutions, it can be known that the resource exchange processing method provided by the present application, in order to avoid the hardware wallet being picked up by others and used for consumption after being lost, or the hardware wallet accidentally touching the checkout device and causing a large amount of financial losses, will check the balance after the user performs the resource exchange operation. If the amount in the balance is greater than the upper limit threshold, the amount greater than the upper limit threshold will be withdrawn back to the user's own bank account to ensure that there is no long-term possession of a large amount of money in the hardware wallet. However, in actual applications, users may have the need to pay large amounts (higher than the upper limit threshold). If the balance of the hardware wallet cannot exceed the upper limit threshold, then the user may need to make multiple payments or be unable to make payments. The present application can ensure that there is no long-term possession of a large amount of money in the hardware wallet, and can also meet the needs of large payments (higher than the upper limit threshold) when the user has a large amount of payment. Specifically, the balance of the hardware wallet is allowed to be higher than the upper threshold within the first preset time. The first preset time is to reserve time for the user to make payments. Therefore, this application can prevent the hardware wallet from being picked up by others and used for consumption after being lost, or the hardware wallet accidentally touches the checkout device, thereby causing a large amount of financial losses. When the user has a large amount (higher than the upper threshold) payment demand, the user is allowed to exchange an amount higher than the upper threshold. It achieves the reduction of financial losses while taking into account flexible payment. BRIEF DESCRIPTION OF THE DRAWINGS

[0046] In order to more clearly illustrate the embodiments of the present application or the technical solutions in the prior art, the drawings required for use in the embodiments or the description of the prior art will be briefly introduced below. Obviously, the drawings described below are only embodiments of the present application. For ordinary technicians in this field, other drawings can be obtained based on the provided drawings without paying any creative work.

[0047] Figure 1 is a structural diagram of a hardware architecture involved according to an exemplary embodiment;

[0048] Figure 2 is a flow chart showing a resource exchange processing method according to an exemplary embodiment;

[0049] Figure 3 is a block diagram of a resource exchange processing device according to an exemplary embodiment;

[0050] Figure 4 The figure is a block diagram of a device according to an exemplary embodiment. DETAILED DESCRIPTION

[0051] The following will be combined with the drawings in the embodiments of the present application to clearly and completely describe the technical solutions in the embodiments of the present application. Obviously, the described embodiments are only part of the embodiments of the present application, not all of the embodiments. Based on the embodiments in the present application, all other embodiments obtained by ordinary technicians in this field without creative work are within the scope of protection of this application.

[0052] The embodiments of the present application provide a resource exchange processing method, device, hardware wallet and product. Before introducing the technical solution provided by the embodiments of the present application, the hardware architecture involved in the embodiments of the present application is first described.

[0053] like Figure 1 As shown, it is a structural diagram of the hardware architecture involved in the embodiment of the present application, and the hardware architecture includes but is not limited to: a hardware wallet 11 and a server 12.

[0054] Exemplarily, the hardware wallet 11 can be any electronic product that can perform human-computer interaction with a user through one or more methods such as a touch pad, a touch screen, voice interaction, a handwriting device or a physical button, for example, a wearable device, a handheld device, etc.

[0055] Exemplarily, the server 12 may be a single server, or a server cluster consisting of multiple servers, or a cloud computing service center.

[0056] It should be understood that Figure 1 This is just an example, and does not limit the number of hardware wallets 11 or servers 12. Figure 1 This is only an example and the appearance of the hardware wallet 11 is not limited.

[0057] The meanings of the terms and English abbreviations mentioned in the following embodiments are as follows:

[0058] The first resource exchange instruction includes the wallet number of the hardware wallet, a designated bank account, and a first exchange amount.

[0059] The second resource exchange instruction includes the wallet number of the hardware wallet, the designated bank account, and the second exchange amount.

[0060] A hardware wallet is a special electronic device that uses a secure chip to generate and store private keys.

[0061] The first exchange amount refers to the amount deducted from the bank account to the hardware wallet.

[0062] The second exchange amount refers to the difference between the balance deducted from the hardware wallet to the bank account and the upper limit threshold.

[0063] In an optional implementation, the resource exchange processing method provided in the embodiment of the present application can be applied to the above-mentioned hardware wallet 11. The hardware wallet 11 can generate a first resource exchange instruction through the resource exchange processing method to exchange resources, and can also check whether the balance is greater than or equal to a preset upper limit threshold. If so, a second resource exchange instruction is generated.

[0064] Exemplarily, the hardware wallet 11 may send a first resource exchange instruction to the server 12 to instruct the server 12 to deduct the first exchange amount from the bank account to the hardware wallet 11, and / or, the hardware wallet 11 may send a second resource exchange instruction to the server 12 to instruct the server 12 to deduct the second exchange amount of the hardware wallet 11 from the bank account.

[0065] Exemplarily, the hardware wallet 11 may be a smart bracelet.

[0066] It is understandable that the purpose of checking whether the balance is greater than or equal to the preset upper limit threshold is to check whether there is a large amount of money in the balance by checking whether the balance is greater than or equal to the preset upper limit threshold.

[0067] It is understandable that the purpose of deducting the second exchange amount of the hardware wallet from the bank account is: when the balance is greater than or equal to the preset upper limit threshold, the difference between the balance and the upper limit threshold is deducted from the user's bank account, so as to reduce the possibility of large financial losses caused by the hardware wallet being picked up by others and used for consumption after being lost, or the hardware wallet being accidentally touched by the checkout device.

[0068] Those skilled in the art should understand that the above-mentioned hardware wallets and servers are only examples, and other existing or future hardware wallets or servers that are applicable to the present disclosure should also be included in the scope of protection of the present disclosure and are included here by reference.

[0069] The resource exchange processing method provided in the embodiment of the present application is described below in conjunction with the above hardware architecture.

[0070] See also Figure 2 , Figure 2 It is a flowchart of a resource exchange processing method according to an exemplary embodiment. The method can be applied to the above-mentioned hardware wallet 11. The method includes the following steps S201 to S206 during implementation.

[0071] Step S201: If a resource exchange operation implemented on the hardware wallet is detected, a first resource exchange instruction is generated.

[0072] The first resource exchange instruction includes the wallet number of the hardware wallet.

[0073] Exemplarily, operations implemented in the hardware wallet include but are not limited to: recording exercise data operations, recording sleep data operations, silent alarm operations, time display operations, notification display operations, phone answering operations, payment operations, and resource exchange operations.

[0074] Exemplarily, the resource exchange operation may be: a touch operation of pressing one or more physical buttons embedded in the hardware wallet satisfies a first preset condition, or a voice monitoring module embedded in the hardware wallet is touched to input a voice for exchange, or a touch operation of pressing a touch screen embedded in the hardware wallet satisfies a second preset condition, or a user selects a bank account through a display screen embedded in the hardware wallet and inputs a first exchange amount.

[0075] The first precondition is described below.

[0076] Exemplarily, the first preset condition may be that the number of consecutive presses of a physical button embedded in the hardware wallet reaches a set number within a specific time period.

[0077] For example, the specific time length is 30 seconds, and the set number of times is 3 times. If the number of times the user touches the physical button within 30 seconds is greater than or equal to 3 times, the user's touch operation meets the first preset condition.

[0078] Exemplarily, the first preset condition may be pressing a preset physical button embedded in the hardware wallet.

[0079] For example, the preset physical button is physical button A. If the user presses physical button A, the user's pressing operation satisfies the first preset condition.

[0080] Exemplarily, a fingerprint detector is embedded in physical button A, and the user's fingerprint information is collected when the user touches physical button A. The collected fingerprint information is compared with the pre-set fingerprint information. If they are consistent, a first resource exchange instruction is generated.

[0081] Exemplarily, the first preset condition may be pressing a plurality of physical buttons in sequence according to a set order.

[0082] For example, the setting order is: first touch the physical button A embedded in the hardware wallet, then touch the physical button B embedded in the hardware wallet, and finally touch the physical button C embedded in the hardware wallet.

[0083] For example, if the user presses physical button A, physical button B, and physical button C in sequence, the user's pressing operation satisfies the first preset condition.

[0084] Exemplarily, fingerprint detectors are embedded in physical button A, physical button B, and physical button C. When the user touches physical button A, physical button B, or physical button C, the user's fingerprint information is collected. Alternatively, the fingerprint information collected by multiple fingerprint detectors is integrated to obtain one fingerprint information, and the collected fingerprint information is compared with the pre-set fingerprint information. If they are consistent, a first resource redemption instruction is generated.

[0085] The following is an explanation of the exchange voice.

[0086] Exemplarily, the redemption voice may be pre-set, for example, I want to redeem resources.

[0087] If the user touches the voice monitoring module embedded in the hardware wallet and enters "I want to exchange resources", the first resource exchange instruction can be generated.

[0088] Exemplarily, the voiceprint information of the exchange voice collected by the voice monitoring module can be compared with the preset voiceprint information. If they are consistent, the first resource exchange instruction is generated.

[0089] The second preset condition is described below.

[0090] Exemplarily, the second preset condition may be that the touch screen embedded in the hardware wallet is pressed for a specified time.

[0091] For example, the specified time length is 3 seconds. If the user touches the touch screen embedded in the hardware wallet for 3 seconds, the user's touch operation satisfies the second preset condition.

[0092] Exemplarily, the touch screen is embedded with a fingerprint detector, and the user's fingerprint information is collected when the user touches the touch screen, and the collected fingerprint information is compared with the pre-set fingerprint information. If they are consistent, a first resource exchange instruction is generated.

[0093] Exemplarily, the user may select a bank account and input the first exchange amount by touching the application software on the display screen embedded in the hardware wallet.

[0094] In an optional implementation, identity authentication is required before generating the first resource exchange instruction. If the identity authentication is passed, the first resource exchange instruction can be generated, thereby preventing other users from maliciously performing resource exchange operations, resulting in the deduction of resources from the user's designated bank account.

[0095] It is understandable that there are multiple methods for detecting whether the identity information collected by the hardware wallet matches the pre-set identity information. The embodiments of the present application provide but are not limited to the following two methods.

[0096] The first implementation method includes: after the hardware wallet 11 collects the identity information, the hardware wallet 11 compares the collected identity information with the identity information stored locally.

[0097] The second implementation method includes: the hardware wallet 11 sends the collected identity information to the server 12; the server 12 compares the received identity information with the identity information stored in the server, and feeds back the comparison result to the hardware wallet 11.

[0098] The embodiments of the present application do not limit the content of the identity information: for example, in addition to fingerprint information and voiceprint information, the identity information may also include: iris information and finger vein information.

[0099] Exemplarily, the hardware wallet stores exchange information, and the exchange information includes a designated bank account, a first exchange amount, and a wallet number. Step S201 specifically includes: if a resource exchange operation implemented on the hardware wallet is detected, a first resource exchange instruction is generated based on the pre-stored exchange information, and the first resource exchange instruction includes the wallet number, the designated bank account, and the first exchange amount.

[0100] Exemplarily, the server stores a correspondence between a wallet number and exchange information, and the exchange information includes a designated bank account and a first exchange amount. Step S201 specifically includes: if a resource exchange operation is detected, sending a pre-stored wallet number to the server; at this time, the first resource exchange instruction includes the wallet number. After receiving the first resource exchange instruction, the server can search for the target exchange information corresponding to the wallet number included in the first resource exchange instruction from the pre-stored correspondence between the wallet number and the exchange information.

[0101] The wallet number of the hardware wallet involved in the first resource exchange instruction, the designated bank account and the first exchange amount are illustrated below.

[0102] Exemplarily, the wallet number of the hardware wallet may be a specific number given to the device by the manufacturer, such as

[10001] .

[0103] This application is not limited to the bank to which the designated bank account belongs.

[0104] The first exchange amount may be set by the user through an application running in the hardware wallet 11 or the hardware wallet, or may be set by the user through a teller at a bank branch business hall.

[0105] Step S202: Send the first resource exchange instruction to the server.

[0106] Exemplarily, the first resource exchange instruction can be sent to the server via a wireless communication network. Exemplarily, the wireless communication network includes but is not limited to: 5G (5th Generation Mobile Communication Technology, fifth generation mobile communication technology) communication network, 4G (4th Generation Mobile Communication Technology, fourth generation mobile communication technology) communication network, 3G (3rd Generation Mobile Communication Technology, third generation mobile communication technology) communication network.

[0107] Exemplarily, a first resource exchange instruction including a designated bank account, a first exchange amount of 50, and a wallet number of the hardware wallet

[10001] is sent to the server 12 via the 5G communication network.

[0108] Step S203: If the redemption success information fed back by the server is detected, start timing to obtain the accumulated time.

[0109] After receiving the first resource exchange instruction, the server 12 performs the resource exchange operation according to the information contained in the first resource exchange instruction. After the exchange is successful, a successful exchange information is generated, indicating that the preset first exchange amount is successfully deducted from the designated bank account to the hardware wallet. After the hardware wallet detects the successful exchange information, the timer is triggered to start timing, thereby obtaining the accumulated time.

[0110] Exemplarily, the hardware wallet may also receive a redemption failure message, for example, insufficient amount in the bank account, in which case the server generates a redemption failure message indicating that the first redemption amount could not be deducted from the designated bank account to the hardware wallet.

[0111] The embodiments of the present application do not limit the forms of presentation of successful exchange information and failed exchange information. Taking successful exchange information as an example, the successful exchange information may be a prompt message indicating successful exchange displayed on the user interface, or the successful exchange information may be a prompt sound emitted by a hardware wallet, or the successful exchange information may be a vibration emitted by the hardware wallet.

[0112] Exemplarily, after the timer is triggered, the timer starts timing from 00:00, and the accumulated time on the timer continues to increase as time passes.

[0113] Exemplarily, when the accumulated duration reaches a first preset duration, the timer stops timing. For example, the first preset duration is 2 minutes. If the accumulated duration of the timer is 02:00, the timer stops timing.

[0114] Step S204: If the accumulated time reaches a first preset time, the balance of the hardware wallet is determined.

[0115] The first preset duration refers to the upper limit threshold of the duration for triggering the balance checking function, which is used to trigger the balance checking function when the accumulated duration reaches the preset upper limit threshold of the duration.

[0116] Exemplarily, the first preset time is set to 2 minutes, and when the accumulated time reaches 02:00, the wallet balance is checked.

[0117] Step S205: If the balance is greater than or equal to a preset upper limit threshold, a second resource exchange instruction is generated.

[0118] After determining the wallet balance, compare the wallet balance with the preset upper limit threshold. If the wallet balance is greater than or equal to the preset upper limit threshold, then the difference between the wallet balance and the preset upper limit threshold is obtained, and the difference is determined as the second exchange amount.

[0119] Among them, the preset upper limit threshold refers to the maximum balance allowed to be stored in the hardware wallet, which is used to limit the existence of large amounts in the wallet balance.

[0120] The second resource exchange instruction includes the wallet number of the hardware wallet, the designated bank account, and the second exchange amount.

[0121] The wallet number of the hardware wallet involved in the second resource exchange instruction, the designated bank account and the second exchange amount are illustrated below.

[0122] For example, assuming that the balance of the hardware wallet is 600, and the user redeems another 500, the balance of the wallet is now 1100. Assuming that the preset upper limit threshold is 1000, and the difference between the wallet balance and the preset upper limit threshold is 100, the second redemption amount is determined to be 100, and the hardware wallet generates a second resource redemption instruction. The second resource redemption instruction includes the wallet number of the hardware wallet

[10001] , the designated bank account, and the second redemption amount of 100.

[0123] Step S206: Send the second resource exchange instruction to the server.

[0124] Exemplarily, after the hardware wallet generates the second resource exchange instruction, it sends the second resource exchange instruction to the server 12 through the 5G communication network. The server 12 deducts 100 from the hardware wallet with the wallet number

[10001] to the designated bank account according to the second resource exchange instruction.

[0125] Exemplarily, the electronic resources in the hardware wallet and the amount in the bank account have a certain exchange ratio, for example, the exchange ratio of the electronic resources in the hardware wallet and the amount in the bank account can be 2: 1. Then the server deducts 100 from the hardware wallet with the wallet number

[10001] to the designated bank account, and needs to convert based on the exchange ratio to obtain the amount to be transferred to the bank account. If the exchange ratio is 2:1, the amount to be transferred to the bank account is 50.

[0126] In summary, in order to take into account the consumption needs of users and reduce property losses, the resource exchange processing method provided by this application is provided with a mechanism for checking the balance. After the user performs the resource exchange operation, the balance will be checked. If the amount in the balance is greater than the upper limit threshold, the amount greater than the upper limit threshold will be withdrawn back to the user's own bank account to ensure that there is no long-term possession of a large amount of money in the hardware wallet. In addition, if the balance of the hardware wallet cannot exceed the upper limit threshold, then when the user has a large amount (higher than the upper limit threshold) payment demand, it may be necessary to make multiple payments, or it may be impossible to make payments, resulting in cumbersome payment operations. For this reason, a first preset time is set up, and the balance of the hardware wallet is allowed to be higher than the upper limit threshold within the first preset time, thereby achieving a balance between the user's consumption needs and reducing property losses.

[0127] In an optional implementation, if the user has a large payment demand, for example, the first exchange amount is 100, that is, the user performs a resource exchange operation, 100 electronic resources can be added to the hardware wallet. If the user needs to pay a large amount of 1,000 electronic resources, the user may need to perform 10 resource exchange operations. If the user performs the first resource exchange operation, the hardware wallet starts timing after receiving a successful exchange message. Since the user has performed 9 resource exchange operations, these 9 resource exchange operations also take a certain amount of time, so the time left for the user to pay is short, which may result in insufficient time for the user to pay. Before the user pays, the amount exceeding the upper limit threshold is exchanged back to the bank account, resulting in user payment failure and a poor user experience.

[0128] In order to avoid this situation, the embodiments of the present application also provide the following two methods.

[0129] The first method includes the following steps A11 and A12.

[0130] Step A11: If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period.

[0131] Among them, large-scale consumption demand refers to the user's consumption demand that exceeds the balance limit threshold.

[0132] The set duration refers to the duration used to count the number of resource exchange operations performed within a period of time after a user is detected to have performed a resource exchange operation.

[0133] For example, if the set duration is 1 minute and the preset exchange frequency is 4 times / minute, then if the user performs 4 or more resource exchange operations within 1 minute, large-amount consumption demand information is generated.

[0134] Step A12: If the large-amount consumption demand information is detected, the larger of the two preset time lengths is determined as the first preset time length; if the large-amount consumption demand information is not detected, the smaller of the two preset time lengths is determined as the first preset time length.

[0135] It is understandable that in case of large-scale consumption by users, two preset time lengths are pre-set, one longer and one shorter.

[0136] For example, the larger preset time length may be 5 minutes, and the smaller preset time length may be 2 minutes. If large-amount consumption demand information is detected, the first preset time length is 5 minutes. If no large-amount consumption demand information is detected, the first preset time length is 2 minutes.

[0137] In the case of detecting large-amount consumption demand information, since the first preset time is long, even if the hardware wallet starts timing after receiving the first exchange success information fed back by the server, after the user completes all resource exchange operations, the time left for the user to pay is still long, and the user will not be unable to pay due to the short payment time left for the user. In the case of no large-amount consumption demand information being detected, the first preset time is short, since the number of resource exchange operations performed by the user is small, even if the hardware wallet starts timing after receiving the first exchange success information fed back by the server, after the user completes all resource exchange operations, the time left for the user to pay is still long, and the user will not be unable to pay due to the short payment time left for the user.

[0138] The second method includes the following steps B11 and B12.

[0139] Step B11: If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period.

[0140] For the description of step B11, please refer to step A11, which will not be repeated here.

[0141] Step B12: If the large-amount consumption demand information is detected, the timing starts when it is determined that the redemption success information corresponding to the multiple resource redemption operations has been received to obtain the accumulated duration.

[0142] For example, the number of resource exchange operations performed by the user is 5. After the hardware wallet receives 5 exchange success messages, the timing starts to obtain the cumulative duration.

[0143] In summary, when large-amount consumption demand information is detected, the first preset time will no longer be counted immediately. The timing will only start after all the corresponding exchange success information of all resource exchange operations is received, so as to leave sufficient time for the user to pay and avoid payment failure due to the user's resource exchange operation taking too long.

[0144] In an optional implementation, if the hardware wallet is lost and picked up by someone, other users may perform a large number of resource exchange operations, resulting in frequent execution of resource exchange operations, or the hardware wallet is placed in a pocket and the hardware wallet is squeezed, resulting in the erroneous execution of resource exchange operations, for example, the physical button embedded in the hardware wallet is accidentally touched, resulting in the erroneous execution of resource exchange operations.

[0145] To solve the above problems, the embodiments of the present application also provide the following two methods.

[0146] The first method includes the following steps C11 to C13.

[0147] Step C11: If a resource exchange operation implemented on the hardware wallet is detected, the number of resource exchanges performed within a second preset time period is accumulated.

[0148] The second preset duration refers to the upper threshold of the duration of the accumulated resource exchange operation times, which is used to accumulate the resource exchange times within the preset upper threshold of the duration after detecting the resource exchange operation.

[0149] Exemplarily, the second preset time length may be 1 minute. If the user performs 6 resource exchange operations within 1 minute, the accumulated number of resource exchange operations is 6.

[0150] Step C12: If the resource exchange times are greater than or equal to the preset upper limit times, prompt the user to enter the exchange password.

[0151] Exemplarily, the preset upper limit number refers to the upper limit threshold of the number of resource exchanges that the system can perform within the second preset time period. It can be set by the user through an application running in the hardware wallet 11 or the hardware wallet, or it can be set by the user through a teller at a bank branch business hall.

[0152] Exemplarily, assuming that the preset upper limit is 5 times, if the accumulated resource exchange times is 6 times, since the accumulated resource exchange times are higher than the preset upper limit, the user is prompted to enter the exchange password.

[0153] The redemption password refers to information that verifies the user's identity, including but not limited to one or more of fingerprint information, voiceprint information, digital password information, and pattern password information.

[0154] The following is an illustration of the fingerprint information, voiceprint information, digital password information, and pattern password information involved.

[0155] For example, assuming that the preset upper limit is 5 times, the user can perform the resource redemption operation by touching a physical button. assuming that the physical button is embedded with a fingerprint detector, and assuming that the user has performed 4 resource redemption operations, when the user performs the 5th resource redemption operation, it is necessary to trigger the fingerprint detector embedded in the physical button to collect the user's fingerprint information.

[0156] Exemplarily, assuming that the preset upper limit is 5 times, the user can perform the resource exchange operation by touching the voice monitoring module embedded in the hardware wallet. Assuming that the user has performed 4 resource exchange operations, when the user performs the 5th resource exchange operation, the user's voiceprint information can be collected through the voice monitoring module embedded in the hardware wallet.

[0157] Exemplarily, assuming that the preset upper limit is 5 times, the user can perform the resource exchange operation by touching the touch screen embedded in the hardware wallet. Assuming that the user has performed 4 resource exchange operations, when the user performs the 5th resource exchange operation, the digital password information entered by the user is collected through the touch screen embedded in the hardware wallet.

[0158] Exemplarily, assuming that the preset upper limit is 5 times, the user can perform the resource exchange operation by touching the touch screen embedded in the hardware wallet. Assuming that the user has performed 4 resource exchange operations, when the user performs the 5th resource exchange operation, the pattern password information input by the user is collected through the touch screen embedded in the hardware wallet.

[0159] Step C13: If the exchange password input by the user matches the preset exchange password, a first resource exchange instruction is generated.

[0160] Exemplarily, after receiving the exchange password input by the user, it is matched with the preset exchange password, and if the match succeeds, a first resource exchange instruction is generated.

[0161] Exemplarily, there are multiple methods for detecting whether the redemption password input by the user matches the preset redemption password. The embodiments of the present application provide but are not limited to the following two methods.

[0162] The first implementation method includes: after the hardware wallet 11 collects the exchange password, the hardware wallet 11 compares the collected exchange password with the exchange password stored locally.

[0163] The second implementation method includes: the hardware wallet 11 sends the collected redemption password to the server; the server 12 compares the received redemption password with the redemption password stored in the server to obtain a comparison result, and feeds the comparison result back to the hardware wallet.

[0164] In summary, by accumulating the resource exchange operations performed by the user within the second preset time period, if the number of resource exchange operations performed by the user is greater than or equal to the preset upper limit, identity authentication is performed through the exchange password, thereby avoiding the situation where a large number of resource exchange operations are performed after the hardware wallet is picked up by someone, or the hardware wallet is squeezed and the resource exchange operation is mistakenly performed, for example, the physical button embedded in the hardware wallet is accidentally touched, resulting in the mistaken execution of the resource exchange operation.

[0165] The second method includes step D11 and step D13.

[0166] Step D11: If a resource exchange operation implemented on the hardware wallet is detected, the number of resource exchanges performed during the second preset time period is accumulated.

[0167] For the description of step D11, please refer to step C11, which will not be repeated here.

[0168] Step D12: If the resource exchange times are greater than or equal to the preset upper limit times, do not respond to the resource exchange operation.

[0169] Exemplarily, the preset upper limit is 5 times. When the accumulated resource exchange times are 5 times acquired through step D11, the resource exchange operation is not responded to because the accumulated resource exchange times are higher than the preset upper limit.

[0170] Step D13: If the resource exchange times are less than the preset upper limit times, a first resource exchange instruction is generated.

[0171] Exemplarily, the preset upper limit is 5 times. When the accumulated resource exchange times are 4 times acquired through step D11, since the accumulated resource exchange times are less than the preset upper limit, the resource exchange operation is executed in response, for example, a first resource exchange instruction is generated.

[0172] In summary, by accumulating the resource exchange operations performed by the user within the second preset time period, if the number of user operations is greater than or equal to the preset upper limit, the resource exchange operation will not be responded to, thereby avoiding the situation where a large number of resource exchange operations are performed after the hardware wallet is picked up by someone, or the hardware wallet is squeezed and the resource exchange operation is mistakenly performed, for example, the physical button embedded in the hardware wallet is accidentally touched, resulting in the mistaken execution of the resource exchange operation.

[0173] See also Figure 3 , Figure 3 It is a block diagram of a resource exchange processing device according to an exemplary embodiment, the device includes: a first generating unit 31, a first sending unit 32, a timing unit 33, a checking unit 34, a second generating unit 35, and a second sending unit 36, wherein:

[0174] The first generating unit 31 is configured to generate a first resource exchange instruction if a resource exchange operation implemented on the hardware wallet is detected, wherein the first resource exchange instruction includes a wallet number of the hardware wallet.

[0175] The first sending unit 32 is used to send the first resource exchange instruction to the server, where the first resource exchange instruction is used to instruct the server to deduct a preset first exchange amount from a specified bank account to the hardware wallet with the wallet number.

[0176] The timing unit 33 is used to start timing to obtain the accumulated time if the exchange success information fed back by the server is detected, and the exchange success information indicates that the first exchange amount of the bank account is successfully deducted to the hardware wallet with the wallet number.

[0177] The checking unit 34 is configured to determine the balance of the hardware wallet if the accumulated time reaches a first preset time.

[0178] The second generating unit 35 is used to generate a second resource exchange instruction if the balance is greater than a preset upper threshold, the second resource exchange instruction including a second exchange amount, the bank account and the wallet number, and the second exchange amount is the difference between the balance and the upper threshold.

[0179] The second sending unit 36 ​​is used to send the second resource exchange instruction to the server, where the second resource exchange instruction is used to instruct the server to deduct the second exchange amount of the hardware wallet with the wallet number to the bank account.

[0180] In an optional implementation, the resource exchange processing device further includes:

[0181] The third generating unit is used to generate large-amount consumption demand information if it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period.

[0182] The first setting unit is used to determine the larger preset time length of two preset time lengths as the first preset time length if the large-amount consumption demand information is detected.

[0183] The second setting unit is used to determine the smaller preset time length of two preset time lengths as the first preset time length if the large-amount consumption demand information is not detected.

[0184] In an optional implementation, the resource exchange processing device further includes:

[0185] The fourth generating unit is used to generate large-amount consumption demand information if it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period.

[0186] The second timing unit is used to detect the large-amount consumption demand information and start timing when it is determined that the redemption success information corresponding to the multiple resource redemption operations has been received to obtain the accumulated duration.

[0187] In an optional implementation, the resource exchange processing device further includes:

[0188] The collection unit is used to collect fingerprint information through a fingerprint detector embedded in the physical buttons of the hardware wallet, or to collect voice information through a voice monitoring module embedded in the hardware wallet.

[0189] The fifth generating unit is used to execute the step of generating the first resource exchange instruction if the collected identity information matches the preset identity information, and the collected identity information is the fingerprint information or the voice information.

[0190] In an optional implementation, in the resource exchange processing device, the first generating unit includes:

[0191] The first counting subunit is used to accumulate the number of resource exchanges performed within a second preset time period if a resource exchange operation implemented on the hardware wallet is detected.

[0192] The prompt subunit is used to prompt the user to enter a redemption password if the number of resource redemptions is greater than or equal to a preset upper limit.

[0193] The first generating subunit is configured to generate a first resource exchange instruction if the exchange password input by the user matches the preset exchange password.

[0194] In an optional implementation, in the resource exchange processing device, the first generating unit includes:

[0195] The second counting subunit is used to accumulate the number of resource exchanges performed within a second preset time period if a resource exchange operation implemented on the hardware wallet is detected.

[0196] The execution subunit is used for not responding to the resource exchange operation if the resource exchange times are greater than or equal to a preset upper limit times.

[0197] The second generating subunit is used to generate a first resource exchange instruction if the resource exchange times are less than the preset upper limit times.

[0198] Regarding the device in the above embodiment, the specific manner in which each module performs operations has been described in detail in the embodiment of the method, and will not be elaborated here.

[0199] Figure 4 1 is a block diagram of a device according to an exemplary embodiment. The device may be a hardware wallet 11, and the device includes but is not limited to: a processor 41, a memory 42, a network interface 43, an I / O controller 44, and a communication bus 45.

[0200] It should be noted that those skilled in the art can understand that Figure 4 The structure of the device shown in the figure does not constitute a limitation of the device, and the device may include Figure 4 More or fewer components may be shown, or certain components may be combined, or the components may be arranged differently.

[0201] Combine the following Figure 4 A detailed introduction to each component of the equipment:

[0202] The processor 41 is the control center of the device. It uses various interfaces and lines to connect various parts of the entire device. It executes various functions of the device and processes data by running or executing software programs and / or modules stored in the memory 42, and calling data stored in the memory 42, so as to monitor the device as a whole. The processor 41 may include one or more processing units; illustratively, the processor 41 may integrate an application processor and a modem processor, wherein the application processor mainly processes the operating system, user interface, and application programs, etc., and the modem processor mainly processes wireless communications. It is understandable that the above-mentioned modem processor may not be integrated into the processor 41.

[0203] The processor 41 may be a central processing unit (CPU), or an application specific integrated circuit (ASIC), or one or more integrated circuits configured to implement the embodiments of the present invention.

[0204] The memory 42 may include a memory, such as a high-speed random access memory (RAM) 421 and a read-only memory (ROM) 422, and may also include a large-capacity storage device 423, such as at least one disk storage device, etc. Of course, the device may also include hardware required by other services.

[0205] The memory 42 is used to store executable instructions of the processor 41. The processor 41 has the functions shown in the transaction code acquisition method or the information processing method.

[0206] A wired or wireless network interface 43 is configured to connect the server to the network.

[0207] The processor 41, the memory 42, the network interface 43 and the I / O controller 44 may be interconnected via a communication bus 45, which may be an ISA (Industry Standard Architecture) bus, a PCI (Peripheral Component Interconnect) bus or an EISA (Extended Industry Standard Architecture) bus, etc. The bus may be divided into an address bus, a data bus, a control bus, etc.

[0208] In an exemplary embodiment, the device may be implemented by one or more application-specific integrated circuits (ASICs), digital signal processors (DSPs), digital signal processing devices (DSPDs), programmable logic devices (PLDs), field programmable gate arrays (FPGAs), controllers, microcontrollers, microprocessors or other electronic components to execute a resource exchange processing method as provided in any embodiment of the present disclosure.

[0209] In an exemplary embodiment, a computer-readable storage medium is also provided. When the instructions in the storage medium are executed by the processor 41 of the hardware wallet 11, the hardware wallet 11 can execute any of the resource exchange processing methods described above.

[0210] In an exemplary embodiment, a computer program product is also provided, which can be directly loaded into the internal memory of a computer, wherein the memory is the memory 42 included in the hardware wallet 11 and contains software code, and the computer program can implement any of the resource exchange processing methods described above after being loaded and executed by the computer.

[0211] The resource exchange processing method, device, hardware wallet and product provided by the present invention can be used in the financial field or other fields, for example, can be used in exchange application scenarios in the financial field. Other fields are any fields other than the financial field, for example, the information management field. The above is only an example and does not limit the application field of the resource exchange processing method, device, hardware wallet and product provided by the present invention.

[0212] Those skilled in the art will readily appreciate other embodiments of the present disclosure after considering the specification and practicing the invention disclosed herein. This application is intended to cover any variations, uses, or adaptations of the present disclosure that follow the general principles of the present disclosure and include common knowledge or customary techniques in the art that are not disclosed in the present disclosure. The specification and examples are intended to be exemplary only, and the true scope and spirit of the present disclosure are indicated by the following claims.

[0213] It should be understood that the present disclosure is not limited to the exact structures that have been described above and shown in the drawings, and that various modifications and changes may be made without departing from the scope thereof. The scope of the present disclosure is limited only by the appended claims.

[0214] It should be noted that the features recorded in each embodiment of this specification can be replaced or combined with each other. For the device or system class embodiment, since it is basically similar to the method embodiment, the description is relatively simple, and the relevant parts refer to the partial description of the method embodiment. It should also be noted that, in this article, relational terms such as first and second, etc. are only used to distinguish one entity or operation from another entity or operation, and do not necessarily require or imply that there is any such actual relationship or order between these entities or operations. Moreover, the term "include", "comprise" or any other variant thereof is intended to cover non-exclusive inclusion, so that the process, method, article or equipment including a series of elements includes not only those elements, but also includes other elements that are not clearly listed, or also includes elements inherent to such process, method, article or equipment. In the absence of more restrictions, the elements defined by the sentence "including one..." do not exclude the existence of other identical elements in the process, method, article or equipment including the elements.

[0215] The steps of the method or algorithm described in conjunction with the embodiments disclosed herein may be implemented directly using hardware, a software module executed by a processor, or a combination of the two. The software module may be placed in a random access memory (RAM), a memory, a read-only memory (ROM), an electrically programmable ROM, an electrically erasable programmable ROM, a register, a hard disk, a removable disk, a CD-ROM, or any other form of storage medium known in the art.

[0216] The above description of the disclosed embodiments enables those skilled in the art to implement or use the present application. Various modifications to these embodiments will be apparent to those skilled in the art, and the general principles defined herein may be implemented in other embodiments without departing from the spirit or scope of the present application. Therefore, the present application will not be limited to the embodiments shown herein, but will conform to the widest scope consistent with the principles and novel features disclosed herein.

[0217] Those skilled in the art should understand that the above-mentioned electronic devices and servers are only examples, and other existing or future electronic devices or servers that are applicable to the present disclosure should also be included in the protection scope of the present disclosure and are included here by reference.

Claims

1. A resource exchange processing method, characterized in that: Applied to a hardware wallet, the resource exchange processing method includes: If a resource exchange operation implemented on the hardware wallet is detected, a first resource exchange instruction is generated, wherein the first resource exchange instruction includes the wallet number of the hardware wallet; Sending the first resource exchange instruction to the server, wherein the first resource exchange instruction is used to instruct the server to deduct a preset first exchange amount from a specified bank account to the hardware wallet having the wallet number; If the exchange success information fed back by the server is detected, the timing is started to obtain the accumulated time, and the exchange success information indicates that the first exchange amount of the bank account is successfully deducted to the hardware wallet with the wallet number; If the accumulated time reaches a first preset time, determining the balance of the hardware wallet; If the balance is greater than or equal to the preset upper threshold, a second resource exchange instruction is generated, the second resource exchange instruction includes a second exchange amount, the bank account and the wallet number, and the second exchange amount is the difference between the balance and the upper threshold; sending the second resource exchange instruction to the server, where the second resource exchange instruction is used to instruct the server to deduct the second exchange amount of the hardware wallet having the wallet number to the bank account; Among them, it also includes: If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period; If the large-amount consumption demand information is detected, determining the larger of the two preset time periods as the first preset time period; If the large-amount consumption demand information is not detected, determining the smaller of the two preset time periods as the first preset time period; or, Also includes: If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period; Correspondingly, if the exchange success information fed back by the server is detected, the timing is started to obtain the accumulated time step, which includes: If the large-amount consumption demand information is detected, the timing starts when it is determined that the redemption success information corresponding to the multiple resource redemption operations has been received to obtain the accumulated duration.

2. The resource exchange processing method according to claim 1, characterized in that: Also includes: Collecting fingerprint information through a fingerprint detector embedded in a physical button of the hardware wallet, or collecting voice information through a voice monitoring module embedded in the hardware wallet; If the collected identity information matches the preset identity information, the step of generating the first resource exchange instruction is executed, and the collected identity information is the fingerprint information or the voice information.

3. The resource exchange processing method according to claim 1, characterized in that: If a resource exchange operation implemented on the hardware wallet is detected, the step of generating a first resource exchange instruction includes: If a resource exchange operation implemented on the hardware wallet is detected, the number of resource exchanges performed within the second preset time period is accumulated; If the number of resource redemptions is greater than or equal to the preset upper limit, prompt the user to enter a redemption password; If the exchange password input by the user matches the preset exchange password, a first resource exchange instruction is generated.

4. The resource exchange processing method according to claim 1, characterized in that: If a resource exchange operation implemented on the hardware wallet is detected, the step of generating a first resource exchange instruction includes: If a resource exchange operation implemented on the hardware wallet is detected, the number of resource exchanges performed during the second preset time period is accumulated; If the resource exchange times are greater than or equal to the preset upper limit times, the resource exchange operation is not responded to; If the resource exchange times are less than the preset upper limit times, a first resource exchange instruction is generated.

5. A resource exchange processing device, characterized in that: include: A first generating unit, if a resource exchange operation implemented on a hardware wallet is detected, generates a first resource exchange instruction, wherein the first resource exchange instruction includes a wallet number of the hardware wallet; a first sending unit, configured to send the first resource exchange instruction to a server, wherein the first resource exchange instruction is used to instruct the server to deduct a preset first exchange amount from a designated bank account to a hardware wallet having the wallet number; a timing unit, configured to start timing to obtain a cumulative duration if a successful exchange information fed back by the server is detected, wherein the successful exchange information indicates that the first exchange amount of the bank account has been successfully deducted to the hardware wallet having the wallet number; A checking unit, configured to determine a balance of the hardware wallet if the accumulated time reaches a first preset time; A second generating unit, configured to generate a second resource exchange instruction if the balance is greater than a preset upper threshold, the second resource exchange instruction comprising a second exchange amount, the bank account and the wallet number, the second exchange amount being the difference between the balance and the upper threshold; a second sending unit, configured to send the second resource exchange instruction to the server, wherein the second resource exchange instruction is used to instruct the server to deduct the second exchange amount of the hardware wallet having the wallet number to the bank account; Among them, it also includes: If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period; If the large-amount consumption demand information is detected, determining the larger of the two preset time periods as the first preset time period; If the large-amount consumption demand information is not detected, determining the smaller of the two preset time periods as the first preset time period; or, Also includes: If it is detected that the number of the plurality of resource exchange operations implemented on the hardware wallet is greater than or equal to a preset exchange frequency, large-amount consumption demand information is generated, where the preset exchange frequency refers to the number of resource exchange operations performed within a set time period; Correspondingly, if the exchange success information fed back by the server is detected, the timing is started to obtain the accumulated time step, which includes: If the large-amount consumption demand information is detected, the timing starts when it is determined that the redemption success information corresponding to the multiple resource redemption operations has been received to obtain the accumulated duration.

6. A hardware wallet, characterized in that: include: processor; A memory for storing executable instructions of the hardware wallet; The hardware wallet is configured to execute the instruction to implement the resource exchange processing method as described in any one of claims 1 to 4.

7. A computer-readable storage medium, when the instructions in the storage medium are executed by the processor of the hardware wallet, enables the hardware wallet to execute the resource exchange processing method according to any one of claims 1 to 4.

8. A computer program product that can be directly loaded into the internal memory of a computer, wherein the memory is the memory included in the hardware wallet of claim 6 and contains software code, and the computer program can implement the resource exchange processing method of any one of claims 1 to 4 after being loaded and executed by the computer.

Images