Method for adjusting digital currency in hardware wallet account, management platform and system

Abstract

The application discloses a kind of adjustment method, management platform and system of digital currency in hardware wallet account, it is related to digital currency technical field.The specific embodiment of the method includes: receiving the balance adjustment request of hardware wallet account;Balance adjustment request indicates the adjustment type of hardware wallet account, the first identification of hardware wallet account, the second identification of the parent wallet that hardware wallet account is bound, transaction password and adjustment amount;According to transaction password, the balance adjustment request is checked;In the case where verification passes, according to adjustment type, the first identification, the second identification and adjustment amount, the digital currency in hardware wallet account is adjusted.The embodiment realizes the transfer-in and transfer-out of digital currency in hardware wallet account bound with parent wallet, meets the real-time transfer-in and transfer-out demand of user, improves user experience, and expands the use scene of hardware wallet, also expands the application scene of digital currency.

Description

Technical Field

[0001] This invention relates to the field of digital currency technology, and in particular to a method, management platform and system for adjusting digital currency in a hardware wallet account. Background Technology

[0002] Existing hardware wallets require users to link their mobile phone number or other identity information to use them. This is inconvenient for users such as newly arrived foreigners and the elderly who find it difficult to link their identity information. This limitation restricts the use cases of hardware wallets, thereby limiting the application scenarios of digital currencies. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a method, management platform and system for adjusting digital currency in a hardware wallet account, which can realize the transfer in and out of digital currency in a hardware wallet account bound to a parent wallet, meet the user's real-time transfer in and out needs, improve the user experience, and expand the use cases of hardware wallets and the application scenarios of digital currency.

[0004] To achieve the above objectives, according to one aspect of the present invention, a method for adjusting digital currency in a hardware wallet account applied to a management platform is provided.

[0005] An embodiment of the present invention provides a method for adjusting digital currency in a hardware wallet account, which includes receiving a balance adjustment request for the hardware wallet account sent by a digital currency wallet application; the balance adjustment request indicates the adjustment type of the hardware wallet account, a first identifier of the hardware wallet account, a second identifier of the parent wallet to which the hardware wallet account is bound, a transaction password, and an adjustment amount;

[0006] The balance adjustment request is verified based on the transaction password.

[0007] If the verification passes, the digital currency in the hardware wallet account is adjusted according to the adjustment type, the first identifier, the second identifier, and the adjustment amount, and the adjustment result is sent to the digital currency wallet application.

[0008] Optionally, when the adjustment type is a transfer from the parent wallet, adjusting the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount includes:

[0009] Based on the first identifier, the second identifier, and the adjustment amount, the balance of digital currency in the parent wallet is reduced, and the balance of digital currency in the hardware wallet account is increased.

[0010] Optionally, before reducing the balance of digital currency in the parent wallet, the method further includes:

[0011] Determine whether the balance of the parent wallet is not less than the adjustment amount;

[0012] If so, perform the action of reducing the balance of digital currency in the parent wallet;

[0013] Otherwise, other accounts bound to the parent wallet are identified, and a first withdrawal request is sent to the business platform corresponding to the other account based on the difference between the adjustment amount and the balance of the parent wallet. The first withdrawal request indicates the information of the other account and the difference, so that the business platform withdraws the digital currency corresponding to the difference to the parent wallet according to the first withdrawal request, thereby increasing the balance of digital currency in the parent wallet.

[0014] Optionally, when the adjustment type is direct top-up to other accounts, the balance adjustment request also indicates other account information; adjusting the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount includes:

[0015] A second withdrawal request is sent to the business platform corresponding to the other account information. The second withdrawal request indicates the other account information and the adjustment amount, so that the business platform withdraws the digital currency corresponding to the adjustment amount to the parent wallet according to the second withdrawal request.

[0016] Upon receiving the withdrawal result returned by the business platform, the balance of digital currency in the parent wallet is reduced and the balance of digital currency in the hardware wallet account is increased, based on the adjustment amount.

[0017] Optionally, if the process of increasing the balance of digital currency in the hardware wallet account fails, the method further includes: transferring the digital currency back to the other account.

[0018] Optionally, when the adjustment type is a transfer-out type, adjusting the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount includes:

[0019] Based on the first identifier, the second identifier, and the adjustment amount, the balance of digital currency in the hardware wallet account is reduced, and the balance of digital currency in the parent wallet is increased.

[0020] Optionally, after increasing the balance of the digital currency in the parent wallet, the method further includes:

[0021] Identify other accounts linked to the parent wallet;

[0022] Based on the adjusted amount, a transfer request is sent to the business platform corresponding to the other account, so that the business platform transfers the digital currency corresponding to the adjusted amount to the other account according to the transfer request;

[0023] Upon receiving the transfer result returned by the business platform, the balance of digital currency in the parent wallet is reduced according to the adjustment amount.

[0024] Optionally, the method further includes:

[0025] Based on the preset transaction limit, it is determined whether the adjustment amount is not greater than the transaction limit in order to verify the balance adjustment request.

[0026] Optionally, the method further includes:

[0027] The hardware wallet account is bound to the parent wallet, which is a hardware wallet / soft wallet bound to a user account.

[0028] To achieve the above objectives, according to another aspect of the present invention, a hardware wallet account management platform is provided.

[0029] A hardware wallet account management platform according to an embodiment of the present invention includes: a request receiving module, a verification module, and an adjustment module; wherein,

[0030] The request receiving module is used to receive a balance adjustment request for a hardware wallet account sent by a digital currency wallet application; the balance adjustment request indicates the adjustment type of the hardware wallet account, the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet account is bound, the transaction password, and the adjustment amount;

[0031] The verification module is used to verify the balance adjustment request based on the transaction password;

[0032] The adjustment module is used to adjust the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount when the verification is successful, and send the adjustment result to the digital currency wallet application.

[0033] To achieve the above objectives, according to another aspect of the present invention, a system for adjusting digital currency in a hardware wallet account is provided.

[0034] A hardware wallet transaction system according to an embodiment of the present invention includes: the management platform and digital currency wallet application provided in the second aspect above; wherein,

[0035] The digital currency wallet application is used to respond to user triggering by sending a balance adjustment request for the hardware wallet account to the management platform; and to receive the adjustment result returned by the management platform based on the balance adjustment request.

[0036] Optionally, the hardware wallet's transaction system also includes a business platform; wherein,

[0037] The business platform is used to receive withdrawal requests sent by the management platform, the withdrawal requests indicating the other account information and adjustment amount; and to withdraw the digital currency corresponding to the adjustment amount to the parent wallet bound to the hardware wallet according to the withdrawal requests.

[0038] To achieve the above objectives, according to another aspect of the present invention, an electronic device for adjusting digital currency in a hardware wallet account is provided.

[0039] An electronic device for adjusting digital currency in a hardware wallet account according to an embodiment of the present invention includes: one or more processors; and a storage device for storing one or more programs, wherein when the one or more programs are executed by the one or more processors, the one or more processors implement a method for adjusting digital currency in a hardware wallet account according to an embodiment of the present invention.

[0040] To achieve the above objectives, according to another aspect of the present invention, a computer-readable storage medium is provided.

[0041] An embodiment of the present invention provides a computer-readable storage medium having a computer program stored thereon, wherein when the program is executed by a processor, it implements a method for adjusting digital currency in a hardware wallet account according to an embodiment of the present invention.

[0042] One embodiment of the above invention has the following advantages or beneficial effects: A balance adjustment request for the hardware wallet account is sent to the management platform of the hardware wallet account via a digital currency wallet application. The management platform can then verify the balance adjustment request. After successful verification, the digital currency in the hardware wallet account can be adjusted based on the first identifier of the hardware wallet account, the second identifier of the parent wallet bound to the hardware wallet account, and the adjustment amount, thereby realizing the transfer of digital currency in or out of the hardware wallet account. This achieves the transfer of digital currency in and out of the hardware wallet account bound to the parent wallet, meeting users' real-time transfer needs, improving user experience, and expanding the use cases of hardware wallets and the application scenarios of digital currency.

[0043] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0044] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0045] Figure 1 This is a schematic diagram illustrating the main steps of a method for adjusting digital currency in a hardware wallet account according to an embodiment of the present invention;

[0046] Figure 2 This is a schematic diagram illustrating the main steps of a hardware wallet account binding method according to an embodiment of the present invention;

[0047] Figure 3 This is a schematic diagram illustrating the main steps of a method for transferring digital currency into a hardware wallet account according to an embodiment of the present invention.

[0048] Figure 4 This is a schematic diagram of the main steps of another method for transferring digital currency into a hardware wallet account according to an embodiment of the present invention;

[0049] Figure 5 This is a schematic diagram illustrating the main steps of a method for transferring digital currency out of a hardware wallet account according to an embodiment of the present invention.

[0050] Figure 6 This is a schematic diagram of the main modules of a hardware wallet account management platform according to an embodiment of the present invention;

[0051] Figure 7 This is a schematic diagram of the main modules of a hardware wallet account digital currency adjustment system according to an embodiment of the present invention;

[0052] Figure 8 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0053] Figure 9 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0054] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0055] To address the technical problems existing in the prior art, this invention provides a method, management platform, and system for adjusting digital currency in a hardware wallet account. In this embodiment, the hardware wallet refers to a hardware wallet that is not associated with the user's identity at the time of issuance, but is bound to a wallet with the issuer's identity. It is developed according to the technical specifications for digital currency hardware wallets, is not associated with the user's identity at the time of issuance, has a unique hardware wallet number, stores digital currency credentials in the form of a secure chip, and stores the coin string in the issuing and operating institution's backend system. It is understood that the coin string can be stored in the issuing and operating institution's backend system or in the hardware wallet. In other words, the hardware wallet can store the coin string, or it can not, but store the coin string on the management platform.

[0056] The hardware wallet is linked to a parent wallet that already has a user account (user identity). After the hardware wallet is linked to the parent wallet, both are bound to the same user account. This linking method reduces the operational difficulty of using the hardware wallet for users without a user account or those who find it inconvenient to link their own account (such as newly arrived foreigners or the elderly), improving their convenience and thus facilitating the promotion of hardware wallets and enhancing the user experience.

[0057] It should be noted that, unless otherwise specified, the embodiments of the present invention and the technical features thereof can be combined with each other.

[0058] Figure 1 This is a schematic diagram illustrating the main steps of a method for adjusting digital currency in a hardware wallet account applied to a management platform according to an embodiment of the present invention.

[0059] like Figure 1 As shown, a method for adjusting digital currency in a hardware wallet account according to an embodiment of the present invention mainly includes the following steps S101 to S103:

[0060] Step S101: Receive a balance adjustment request for a hardware wallet account sent by a digital currency wallet application; the balance adjustment request indicates the adjustment type of the hardware wallet account, the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet account is bound, the transaction password, and the adjustment amount.

[0061] Operations that trigger balance adjustments include transfers in or out. The hardware wallet account is associated with the hardware wallet device; by monitoring transfers in and out through the hardware wallet device, the amount of cryptocurrency in the hardware wallet account can be adjusted.

[0062] In this embodiment of the invention, the hardware wallet account can be pre-bound to a parent wallet, which is a hardware wallet / soft wallet bound to a user account. The hardware wallet and the parent wallet can reside on the same terminal or on different terminals. Furthermore, to ensure the security of the hardware wallet, it is generally managed through a cryptocurrency application. The hardware wallet's identification information is bound to the cryptocurrency application's wallet identification information, enabling the hardware wallet to interact with the management platform, transfer cryptocurrency in / out, and manage its status (binding or deregistration, etc.) through the cryptocurrency application. The cryptocurrency application and the hardware wallet can reside on the same terminal or on different terminals.

[0063] For example, the following can be adopted: Figure 2 The steps shown link the hardware wallet account to the parent wallet:

[0064] Step S201: The first terminal, including the parent wallet, sends a binding request to the second terminal, so that the hardware wallet in the second terminal verifies the first security information of the parent wallet.

[0065] The first terminal and the second terminal can communicate using near-field communication technologies such as NFC or Bluetooth.

[0066] Step S202: The second terminal sends a binding instruction to the first terminal based on the verification result of the first security information; wherein, the binding instruction indicates the wallet identifier of the hardware wallet.

[0067] Step S203: The first terminal determines the management platform corresponding to the hardware wallet based on the wallet identifier, and sends the binding instruction to the management platform, so that the management platform binds the hardware wallet account to the user account corresponding to the parent wallet according to the binding instruction.

[0068] Step S204: The first terminal receives the binding result returned by the management platform. If the binding result indicates that the binding is successful, the hardware wallet's wallet identifier is bound to the user account.

[0069] If the binding result indicates a binding failure during this step, a corresponding prompt message can be output so that the user can re-initiate the binding request based on the prompt message.

[0070] Step S205: Send the binding relationship between the wallet identifier and the user account to the second terminal, so that the second terminal writes the binding relationship into the hardware wallet.

[0071] In the above steps, the first terminal and the second terminal can be the same terminal or different terminals. When the hardware wallet and the parent wallet are on the same terminal, the first terminal and the second terminal are the same terminal; when the hardware wallet and the parent wallet are on different terminals, the first terminal and the second terminal are different terminals.

[0072] Furthermore, cryptocurrency wallet applications and hardware wallets can reside on the same device or different devices. Generally, for user convenience, the cryptocurrency wallet application and hardware wallet are on the same device. When a transfer is needed, the user can trigger a balance adjustment request in the cryptocurrency wallet application, which will then send the request to the management platform corresponding to the hardware wallet.

[0073] Step S102: Verify the balance adjustment request based on the transaction password.

[0074] After receiving a balance adjustment request from a cryptocurrency wallet application, the management platform can verify the transaction password indicated in the request. Additionally, it can determine whether the adjustment amount does not exceed a preset transaction limit to verify the balance adjustment request. The transaction limit can be a default setting when the hardware wallet is issued or a user-defined setting during wallet usage. Verifying that the adjustment amount does not exceed the transaction limit enables wallet limit verification. In other words, the verification is considered successful only if the adjustment amount does not exceed the transaction limit, allowing the balance adjustment request to proceed. If the adjustment amount exceeds the transaction limit, the balance adjustment request is rejected due to wallet limit verification failure.

[0075] Step S103: If the verification passes, adjust the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount, and send the adjustment result to the digital currency wallet application.

[0076] Adjustments to hardware wallet accounts are generally categorized into inbound and outbound types. Inbound adjustments are further divided into transfers from the parent wallet and direct deposits from other accounts. Direct deposits from other accounts include bank card deposits or deposits from other electronic accounts (such as direct deposits from electronic wallets).

[0077] In one embodiment of the present invention, such as Figure 3 As shown, when the adjustment type indicated by the balance adjustment request is a transfer from the parent wallet, the transaction method of the hardware wallet provided in this embodiment of the invention may include the following steps:

[0078] Step S301: The digital currency wallet application sends a balance adjustment request for the hardware wallet account to the management platform.

[0079] The balance adjustment request indicates that the adjustment type of the hardware wallet is a transfer from the parent wallet, the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet is bound, the transaction password, and the adjustment amount.

[0080] Step S302: The management platform verifies the balance adjustment request based on the transaction password and transaction limit.

[0081] Step S303: If the verification is successful, the management platform reduces the balance of digital currency in the parent wallet and increases the balance of digital currency in the hardware wallet account based on the first identifier, the second identifier and the adjustment amount.

[0082] Step S304: The management platform generates the transfer processing result and sends the transfer processing result to the digital currency wallet application.

[0083] Understandably, if either the transaction password or the transaction limit fails verification, the management platform will reject the balance adjustment request and return the corresponding rejection result to the cryptocurrency application.

[0084] Additionally, in cases where the adjustment type is a transfer from the parent wallet, if the balance in the parent wallet is insufficient, the corresponding amount can be transferred from other accounts (bank cards or other electronic accounts) first, and then the transfer to the hardware wallet account can be realized based on the balance of digital currency in the parent wallet. Specifically, in one embodiment of the present invention, before executing step S303, it may further include: determining whether the balance of the parent wallet is not less than the adjustment amount; if so, executing the reduction of the balance of digital currency in the parent wallet; otherwise, determining other accounts bound to the parent wallet, and sending a first withdrawal request to the business platform corresponding to the other account based on the difference between the adjustment amount and the balance of the parent wallet, the first withdrawal request indicating the information of the other account and the difference, so that the business platform withdraws the digital currency corresponding to the difference to the parent wallet according to the first withdrawal request, thereby increasing the balance of digital currency in the parent wallet.

[0085] Here, we first determine if the balance of the parent wallet is not less than the adjustment amount. If it is not less, it means that the digital currency balance in the parent wallet is sufficient to meet the transfer requirement, so we can directly execute step S303. If the balance of the parent wallet is less than the adjustment amount, it means that the balance in the parent wallet is insufficient to realize the transfer. In this case, we can identify other accounts bound to the parent wallet (taking a bank card account as an example). Then, based on the difference (20) between the adjustment amount (e.g., 100) and the parent wallet balance (e.g., 80), we send a first withdrawal request to the business platform corresponding to the bank card. The business platform corresponding to the bank card (bank card backend) can then withdraw 20 digital currency to the parent wallet according to the first withdrawal request to increase the digital currency balance in the parent wallet. After the withdrawal, the balance in the parent wallet is sufficient to meet the adjustment amount, and the adjustment request for the transfer from the parent wallet can be realized by executing step S303.

[0086] In another embodiment of the present invention, when the adjustment type indicated by the balance adjustment request is direct top-up to other accounts, the balance adjustment request also indicates other account information. For example, if the direct top-up to other accounts is a bank card top-up, then the balance adjustment request also indicates bank card-related information; if the direct top-up to other accounts is a direct top-up to other electronic accounts such as an e-wallet top-up, the balance adjustment request also indicates e-wallet account-related information. After confirming that the balance adjustment request has been verified, the management platform will communicate with the business platforms corresponding to the other account information through the interconnection platform, so that the business platforms can withdraw the corresponding digital currency from other accounts to the parent wallet.

[0087] Taking the adjustment type as direct bank card top-up, the method for adjusting digital currency in the hardware wallet account provided in this embodiment of the invention will be further explained, such as... Figure 4 As shown, the adjustment method may include the following steps:

[0088] Step S401: The digital currency wallet application sends a balance adjustment request for the hardware wallet to the management platform.

[0089] The balance adjustment request indicates that the adjustment type of the hardware wallet is direct bank card top-up, the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet is bound, the transaction password, the adjustment amount, and the bank card account information.

[0090] Step S402: The management platform verifies the balance adjustment request based on the transaction password and transaction limit.

[0091] Step S403: If the verification is successful, the management platform sends a second withdrawal request to the business platform corresponding to the bank card account information. The withdrawal request specifies the bank card account information and the adjusted amount.

[0092] It is understandable that the business platform here refers to the bank card provider, such as the bank card's backend.

[0093] Step S404: The business platform processes the withdrawal request based on the second withdrawal request to withdraw the digital currency corresponding to the adjusted amount to the parent wallet.

[0094] Step S405: The business platform generates the redemption result and sends it to the management platform.

[0095] Here, the business platform can use the interconnection platform to send the redemption results to the management platform.

[0096] Step S406: Based on the redemption results and the adjusted amount, the management platform reduces the balance of digital currency in the parent wallet and increases the balance of digital currency in the hardware wallet account.

[0097] If the business platform successfully withdraws the digital currency to the parent wallet, but the management platform fails to transfer the digital currency from the parent wallet to the hardware wallet, the management platform can withdraw the digital currency back to the bank card account. For example, the management platform can withdraw the digital currency back to the bank card account via an error handling message.

[0098] Step S407: The management platform generates the transfer processing result and sends the transfer processing result to the digital currency wallet application.

[0099] In one embodiment of the present invention, the adjustment type can also be a transfer-out type. When a hardware wallet performs a transfer-out transaction, the transferred digital currency must first be transferred to the parent wallet, and only through the parent wallet can the digital currency be further transferred to other accounts (such as other bank card accounts or e-wallet accounts) bound to the parent wallet. Based on this, in the case where the adjustment type is a transfer-out transaction, such as Figure 5 As shown, the transaction method of the hardware wallet provided in this embodiment of the invention may include the following steps:

[0100] Step S501: The digital currency wallet application sends a balance adjustment request for the hardware wallet to the management platform.

[0101] The balance adjustment request indicates that the adjustment type of the hardware wallet is a transfer transaction, the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet account is bound, the transaction password, and the adjustment amount.

[0102] Step S502: The management platform verifies the balance adjustment request based on the transaction password and transaction limit.

[0103] Step S503: If the verification is successful, the management platform reduces the balance of digital currency in the hardware wallet account and increases the balance of digital currency in the parent wallet based on the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet is bound, and the adjustment amount.

[0104] Step S504: The management platform generates the transfer processing result and sends the transfer processing result to the digital currency wallet application.

[0105] When the adjustment type is a transfer-out, any transfer of digital currency from a hardware wallet account to another account must be made through the parent wallet. That is, the digital currency in the hardware wallet account must first be transferred to the parent wallet, and then the parent wallet must be used to transfer the digital currency to the other account. In one embodiment of the invention, the transfer of digital currency from the parent wallet to another account can be achieved through the following steps: determining other accounts (such as bank card accounts or other electronic accounts) linked to the parent wallet; sending a transfer-in request to the business platform corresponding to the other account based on the adjustment amount, causing the business platform to transfer the digital currency corresponding to the adjustment amount to the other account according to the transfer-in request; and, upon receiving the transfer-in result returned by the business platform, reducing the balance of digital currency in the parent wallet according to the adjustment amount.

[0106] According to an embodiment of the present invention, a method for adjusting digital currency in a hardware wallet account involves sending a balance adjustment request to the management platform of the hardware wallet account via a digital currency wallet application. The management platform then verifies the balance adjustment request. Upon successful verification, the digital currency in the hardware wallet account is adjusted based on a first identifier of the hardware wallet account, a second identifier of the parent wallet bound to the hardware wallet account, and the adjustment amount, thereby enabling the transfer of digital currency in or out of the hardware wallet account. This achieves the transfer of digital currency in and out of the hardware wallet account bound to the parent wallet, meeting users' real-time transfer needs, improving user experience, and expanding the use cases of hardware wallets and digital currencies.

[0107] Figure 6 This is a schematic diagram of the main modules of a hardware wallet account management platform according to an embodiment of the present invention.

[0108] like Figure 6 As shown, the hardware wallet management platform 600 of this embodiment includes: a request receiving module 601, a verification module 602, and an adjustment module 603; wherein,

[0109] The request receiving module 601 is used to receive a balance adjustment request for a hardware wallet account sent by a digital currency wallet application; the balance adjustment request indicates the adjustment type of the hardware wallet account, the first identifier of the hardware wallet account, the second identifier of the parent wallet to which the hardware wallet account is bound, the transaction password, and the adjustment amount;

[0110] The verification module 602 is used to verify the balance adjustment request based on the transaction password;

[0111] The adjustment module 603 is used to adjust the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier and the adjustment amount when the verification is successful, and send the adjustment result to the digital currency wallet application.

[0112] In one embodiment of the present invention, when the adjustment type is a transfer from the parent wallet, the adjustment module 603 is used to reduce the balance of digital currency in the parent wallet and increase the balance of digital currency in the hardware wallet account based on the first identifier, the second identifier and the adjustment amount.

[0113] In one embodiment of the present invention, the adjustment module 603 is further configured to determine whether the balance of the parent wallet is not less than the adjustment amount; if so, to execute the reduction of the digital currency balance in the parent wallet; otherwise, to determine other accounts bound to the parent wallet, and to send a first withdrawal request to the business platform corresponding to the other account based on the difference between the adjustment amount and the balance of the parent wallet, wherein the first withdrawal request indicates the information of the other account and the difference, so that the business platform withdraws the digital currency corresponding to the difference to the parent wallet according to the first withdrawal request, thereby increasing the digital currency balance in the parent wallet.

[0114] In one embodiment of the present invention, when the adjustment type is direct top-up to other accounts, the balance adjustment request also indicates other account information; the adjustment module 603 is used to send a second withdrawal request to the business platform corresponding to the other account information, the second withdrawal request indicating the other account information and the adjustment amount, so that the business platform withdraws the digital currency corresponding to the adjustment amount to the parent wallet according to the second withdrawal request; upon receiving the withdrawal result returned by the business platform, the balance of digital currency in the parent wallet is reduced according to the adjustment amount, and the balance of digital currency in the hardware wallet account is increased.

[0115] In one embodiment of the present invention, if the transfer of digital currency to the hardware wallet fails, the adjustment module 603 is further configured to redeem the digital currency to other accounts.

[0116] In one embodiment of the present invention, when the adjustment type is a transfer-out type, the adjustment module 603 is used to reduce the balance of digital currency in the hardware wallet account and increase the balance of digital currency in the parent wallet according to the first identifier, the second identifier and the adjustment amount.

[0117] In one embodiment of the present invention, the adjustment module 603 is further configured to determine other accounts bound to the parent wallet; send a transfer request to the business platform corresponding to the other account according to the adjustment amount, so that the business platform transfers the digital currency corresponding to the adjustment amount to the other account according to the transfer request; and, upon receiving the transfer result returned by the business platform, reduce the balance of digital currency in the parent wallet according to the adjustment amount.

[0118] In one embodiment of the present invention, the verification module 602 is further configured to determine whether the adjustment amount is not greater than the transaction limit based on the preset transaction limit, so as to verify the balance adjustment request.

[0119] In one embodiment of the present invention, the request receiving module 601 is further configured to bind the hardware wallet account to the parent wallet, wherein the parent wallet is a hardware wallet / soft wallet bound to a user account.

[0120] As can be seen from the hardware wallet account management platform according to an embodiment of the present invention, a balance adjustment request for the hardware wallet account is sent to the management platform to which the hardware wallet account belongs through a digital currency wallet application. The management platform can then verify the balance adjustment request. After successful verification, the digital currency in the hardware wallet account can be adjusted according to the first identifier of the hardware wallet account, the second identifier of the parent wallet bound to the hardware wallet account, and the adjustment amount, thereby realizing the transfer in or out of digital currency in the hardware wallet account. This realizes the transfer in and out of digital currency in the hardware wallet account bound to the parent wallet, meets the user's real-time transfer in and out needs, improves the user experience, and expands the use cases of hardware wallets and the application scenarios of digital currency.

[0121] Figure 7 This is a schematic diagram of the main modules of a digital currency adjustment system in a hardware wallet account according to an embodiment of the present invention.

[0122] like Figure 7 As shown, an embodiment of the present invention provides a digital currency adjustment system 700 for a hardware wallet account, comprising: a hardware wallet account management platform 600 provided in any of the above embodiments, and a digital currency wallet application 701; wherein,

[0123] The digital currency wallet application 701 is used to respond to user triggering by sending a balance adjustment request for the hardware wallet account to the management platform; and to receive the adjustment result returned by the management platform based on the balance adjustment request.

[0124] Continue to refer to Figure 7 In one embodiment of the present invention, the digital currency adjustment system 700 in the hardware wallet account further includes: a business platform 702; wherein,

[0125] The business platform 702 is used to receive a withdrawal request sent by the management platform, the withdrawal request indicating the other account information and the adjustment amount; and to withdraw the digital currency corresponding to the adjustment amount to the parent wallet bound to the hardware wallet according to the withdrawal request.

[0126] The digital currency adjustment system in a hardware wallet account according to an embodiment of the present invention shows that the digital currency wallet application sends a balance adjustment request to the management platform to which the hardware wallet account belongs. The management platform then verifies the balance adjustment request. After successful verification, it adjusts the digital currency in the hardware wallet account based on the first identifier of the hardware wallet account, the second identifier of the parent wallet bound to the hardware wallet account, and the adjustment amount, thereby realizing the transfer in or out of digital currency in the hardware wallet account. This achieves the transfer in and out of digital currency in the hardware wallet account bound to the parent wallet, meeting users' real-time transfer needs, improving user experience, and expanding the use cases of hardware wallets and digital currencies.

[0127] Figure 8 An exemplary system architecture 800 is shown, which can be applied to the method or system for adjusting digital currency in a hardware wallet account according to embodiments of the present invention.

[0128] like Figure 8 As shown, system architecture 800 may include terminal devices 801, 802, and 803, a network 804, and a server 805. Network 804 serves as the medium for providing communication links between terminal devices 801, 802, and 803 and server 805. Network 804 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0129] Users can use terminal devices 801, 802, and 803 to interact with server 805 via network 804 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 801, 802, and 803, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc.

[0130] Terminal devices 801, 802, and 803 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0131] Server 805 can be a server that provides various services, such as a back-end management server that supports balance adjustment requests initiated by users using terminal devices 801, 802, and 803. The back-end management server can perform verification and other processing on the received balance adjustment requests and other data, and feed back the processing results (such as whether the transfer was successful) to the terminal device.

[0132] It should be understood that Figure 8 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0133] The following is for reference. Figure 9 It shows a schematic diagram of the structure of a computer system 900 suitable for implementing a terminal device of the present invention. Figure 9 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0134] like Figure 9 As shown, the computer system 900 includes a central processing unit (CPU) 901, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 902 or programs loaded from storage section 908 into random access memory (RAM) 903. The RAM 903 also stores various programs and data required for the operation of the system 900. The CPU 901, ROM 902, and RAM 903 are interconnected via a bus 904. An input / output (I / O) interface 905 is also connected to the bus 904.

[0135] The following components are connected to I / O interface 905: an input section 906 including a keyboard, mouse, etc.; an output section 907 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 908 including a hard disk, etc.; and a communication section 909 including a network interface card such as a LAN card, modem, etc. The communication section 909 performs communication processing via a network such as the Internet. A drive 910 is also connected to I / O interface 905 as needed. A removable medium 911, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 910 as needed so that computer programs read from it can be installed into storage section 908 as needed.

[0136] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 909, and / or installed from removable medium 911. When the computer program is executed by central processing unit (CPU) 901, it performs the functions defined above in the system of this invention.

[0137] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0138] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0139] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor can be described as including a request receiving module, a verification module, and a transaction module. The names of these modules do not necessarily limit the module itself; for example, the request receiving module can also be described as a "module for receiving balance adjustment requests."

[0140] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to include: receiving a balance adjustment request for a hardware wallet account sent by a digital currency wallet application; the balance adjustment request indicating an adjustment type for the hardware wallet account, a first identifier of the hardware wallet account, a second identifier of the parent wallet to which the hardware wallet account is bound, a transaction password, and an adjustment amount; verifying the balance adjustment request based on the transaction password; and, if the verification passes, adjusting the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount, and sending the adjustment result to the digital currency wallet application.

[0141] According to the technical solution of this invention, a digital currency wallet application sends a balance adjustment request for the hardware wallet account to the management platform to which the hardware wallet account belongs. The management platform can then verify the balance adjustment request. After successful verification, it can adjust the digital currency in the hardware wallet account based on the first identifier of the hardware wallet account, the second identifier of the parent wallet bound to the hardware wallet account, and the adjustment amount, thereby realizing the transfer in or out of digital currency in the hardware wallet account. This achieves the transfer in and out of digital currency in the hardware wallet account bound to the parent wallet, meeting the user's real-time transfer needs, improving the user experience, and expanding the use cases of hardware wallets and digital currencies.

[0142] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for adjusting digital currency in a hardware wallet account, characterized in that, Applications in management platforms include: The system receives a balance adjustment request for a hardware wallet account from a cryptocurrency wallet application. The request specifies the adjustment type, a first identifier of the hardware wallet account, a second identifier of the parent wallet to which the hardware wallet account is bound, a transaction password, and the adjustment amount. The adjustment type includes transfers into the parent wallet, direct deposits from other accounts, and transfers out. The cryptocurrency wallet application manages the first identifier of the hardware wallet account and the second identifier of the parent wallet. The hardware wallet account does not store cryptocurrency strings; the management platform stores cryptocurrency strings. The balance adjustment request is verified based on the transaction password. If the verification passes, the digital currency in the hardware wallet account is adjusted according to the adjustment type, the first identifier, the second identifier, and the adjustment amount, and the adjustment result is sent to the digital currency wallet application; When the adjustment type is a transfer from the parent wallet, adjusting the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount includes: reducing the balance of digital currency in the parent wallet and increasing the balance of digital currency in the hardware wallet account according to the first identifier, the second identifier, and the adjustment amount.

2. The adjustment method according to claim 1, characterized in that, Before reducing the balance of digital currency in the parent wallet, the method further includes: Determine whether the balance of the parent wallet is not less than the adjustment amount; If so, perform the action of reducing the balance of digital currency in the parent wallet; Otherwise, other accounts bound to the parent wallet are identified, and a first withdrawal request is sent to the business platform corresponding to the other account based on the difference between the adjustment amount and the balance of the parent wallet. The first withdrawal request indicates the information of the other account and the difference, so that the business platform withdraws the digital currency corresponding to the difference to the parent wallet according to the first withdrawal request, thereby increasing the balance of digital currency in the parent wallet.

3. The adjustment method according to claim 1, characterized in that, When the adjustment type is direct top-up to another account, the balance adjustment request also indicates other account information; the adjustment of the digital currency in the hardware wallet account based on the adjustment type, the first identifier, the second identifier, and the adjustment amount includes: A second withdrawal request is sent to the business platform corresponding to the other account information. The second withdrawal request indicates the other account information and the adjustment amount, so that the business platform withdraws the digital currency corresponding to the adjustment amount to the parent wallet according to the second withdrawal request. Upon receiving the withdrawal result returned by the business platform, the balance of digital currency in the parent wallet is reduced and the balance of digital currency in the hardware wallet account is increased, based on the adjustment amount.

4. The adjustment method according to claim 3, characterized in that, In the event that increasing the balance of digital currency in the hardware wallet account fails, the following steps are also included: The digital currency is redeemed back to the other accounts.

5. The adjustment method according to claim 1, characterized in that, When the adjustment type is a transfer-out type, adjusting the digital currency in the hardware wallet account based on the adjustment type, the first identifier, the second identifier, and the adjustment amount includes: Based on the first identifier, the second identifier, and the adjustment amount, the balance of digital currency in the hardware wallet account is reduced, and the balance of digital currency in the parent wallet is increased.

6. The adjustment method according to claim 5, characterized in that, After increasing the balance of the digital currency in the parent wallet, the method further includes: Identify other accounts linked to the parent wallet; Based on the adjusted amount, a transfer request is sent to the business platform corresponding to the other account, so that the business platform transfers the digital currency corresponding to the adjusted amount to the other account according to the transfer request; Upon receiving the transfer result returned by the business platform, the balance of digital currency in the parent wallet is reduced according to the adjustment amount.

7. The adjustment method according to claim 1, characterized in that, Also includes: Based on the preset transaction limit, it is determined whether the adjustment amount is not greater than the transaction limit in order to verify the balance adjustment request.

8. The adjustment method according to any one of claims 1 to 7, characterized in that, Also includes: The hardware wallet account is bound to the parent wallet, which is a hardware wallet / soft wallet bound to a user account.

9. A hardware wallet account management platform, characterized in that, include: The request includes a receiving module, a verification module, and an adjustment module; among which, The request receiving module is used to receive a balance adjustment request for a hardware wallet account sent by a digital currency wallet application. The balance adjustment request indicates the adjustment type of the hardware wallet account, a first identifier of the hardware wallet account, a second identifier of the parent wallet to which the hardware wallet account is bound, a transaction password, and an adjustment amount. The adjustment type includes transfers into the parent wallet, direct deposits from other accounts, and transfers out. The digital currency wallet application manages the first identifier of the hardware wallet account and the second identifier of the parent wallet. The hardware wallet account does not store coin strings; the management platform stores coin strings. The verification module is used to verify the balance adjustment request based on the transaction password; The adjustment module is used to adjust the digital currency in the hardware wallet account according to the adjustment type, the first identifier, the second identifier, and the adjustment amount when the verification is successful, and send the adjustment result to the digital currency wallet application; When the adjustment type is a transfer from the parent wallet, the adjustment module is further configured to reduce the balance of digital currency in the parent wallet and increase the balance of digital currency in the hardware wallet account based on the first identifier, the second identifier, and the adjustment amount.

10. A system for adjusting digital currency in a hardware wallet account, characterized in that, include: The management platform and digital currency wallet application as described in claim 9; wherein, The digital currency wallet application is used to respond to user triggering by sending a balance adjustment request for the hardware wallet account to the management platform; and to receive the adjustment result returned by the management platform based on the balance adjustment request.

11. The adjustment system according to claim 10, characterized in that, Also includes: Business platform; among which, The business platform is used to receive withdrawal requests sent by the management platform, the withdrawal requests indicating the other account information and adjustment amounts; According to the withdrawal request, the digital currency corresponding to the adjusted amount will be withdrawn to the parent wallet bound to the hardware wallet.

12. An electronic device for adjusting digital currency in a hardware wallet account, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-8.

13. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-8.

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