Method and system for managing a digital currency wallet

Abstract

Embodiments of the present disclosure provide a method for managing a digital currency wallet, comprising: a user device responding to and sending a wallet opening request for a target operating agency to a wallet service platform; a digital currency application receiving associated wallet information from a target operating agency server sent by the wallet service platform, and providing wallet attribution confirmation information to the user according to the associated wallet information to determine the attribution of the wallet; the digital currency application sending a verification request to the wallet service platform about whether the mobile communication number is a number recycling and reuse resource in response to the user denying the determination result of the attribution of the associated wallet; and the digital currency application executing a wallet opening process in response to a wallet opening authorization instruction. When a new user with a secondary number tries to open / add a wallet, it can be ensured that the new user who has not opened a wallet can normally open a wallet.

Description

Technical Field

[0001] Embodiments of this disclosure relate to a method and system for managing digital currency wallets. Background Technology

[0002] With the rapid development of mobile internet and digital payment technologies, mobile phone number-based account systems have become a core infrastructure in the fintech field. The "secondary number release" mechanism (i.e., telecom operators reclaiming cancelled numbers and re-releasing them into the market) prevalent in telecommunications services has led to new types of identity authentication conflicts.

[0003] When users open or add digital currency wallets (such as digital RMB wallets), only basic real-name authentication and SMS verification are typically performed, failing to establish a verification channel for secondary number issuance scenarios. This leads to the following situation: when an existing user opens a digital currency wallet using a mobile phone number, and does not cancel the digital currency wallet opened with that mobile phone number before deactivating or abandoning it, the new user will be unable to open a wallet with the corresponding digital currency operator after the mobile phone number is obtained. Summary of the Invention

[0004] At least one embodiment of this disclosure provides a method for managing a digital currency wallet, comprising: a digital currency application on a user device responding to and sending a user-initiated wallet activation request for a target operator to a digital currency wallet service platform, wherein the wallet activation request includes a mobile communication number used to activate the digital currency wallet; the digital currency application receiving associated wallet information sent by the digital currency wallet service platform from a server of the target operator corresponding to the target operator, and providing wallet ownership confirmation information to the user based on the associated wallet information to determine the ownership of the wallet, wherein the associated wallet information includes information about the digital currency wallet activated using the mobile communication number; in response to the user's denial of the associated wallet ownership determination, the digital currency application sending a verification request to the digital currency wallet service platform regarding whether the mobile communication number is a number recycling and reuse resource; and the digital currency application executing a wallet activation process in response to a wallet activation authorization instruction sent by the digital currency wallet service platform, wherein the wallet activation authorization instruction is generated by the digital currency wallet service platform in response to the verification result of the target operator server confirming that the mobile communication number is a number recycling and reuse resource.

[0005] At least one embodiment of this disclosure provides a method for managing a digital currency wallet, comprising: a digital currency wallet service platform receiving a wallet activation request for a target operator sent from a digital currency application on a user device, wherein the wallet activation request includes a mobile communication number for activating the digital currency wallet; the digital currency wallet service platform sending an associated wallet query request generated based on the mobile communication number to a target operator server corresponding to the target operator, wherein the associated wallet query request indicates a query for whether a digital currency wallet activated using the mobile communication number exists; and the digital currency wallet service platform sending the associated wallet information received from the target operator server to the digital currency application, so as to enable the management of the digital currency wallet through the digital currency application. The cryptocurrency application provides wallet ownership confirmation information to users to determine wallet ownership. This associated wallet information includes details of cryptocurrency wallets opened using a mobile communication number. The cryptocurrency wallet service platform receives a verification request from the cryptocurrency application regarding whether the mobile communication number is a recycled resource and forwards it to the target operator's server. This verification request is generated by the cryptocurrency application in response to a user's denial of associated wallet ownership. Upon receiving confirmation from the target operator's server that the mobile communication number is indeed a recycled resource, the cryptocurrency wallet service platform sends a wallet opening authorization instruction to the cryptocurrency application to execute the wallet opening process.

[0006] At least one embodiment of this disclosure provides a system for managing digital currency wallets, comprising: a user device having a digital currency application installed on it, the digital currency application being configured to perform the following operations: responding to and sending a user-initiated wallet activation request for a target operator to a digital currency wallet service platform, wherein the wallet activation request includes a mobile communication number used to activate the digital currency wallet; receiving associated wallet information sent by the digital currency wallet service platform from a server of the target operator corresponding to the target operator, and providing wallet ownership confirmation information to the user based on the associated wallet information to determine wallet ownership, wherein the associated wallet information includes information about the digital currency wallet activated using the mobile communication number; responding to a determination result that the user denies ownership of the associated wallet, sending a verification request to the digital currency wallet service platform regarding whether the mobile communication number is a number that has been recycled and reused; and responding to a wallet activation authorization instruction sent by the digital currency wallet service platform, executing a wallet activation process, wherein the wallet activation authorization instruction is generated by the digital currency wallet service platform in response to a verification result from the target operator server confirming that the mobile communication number is a number that has been recycled and reused.

[0007] At least one embodiment of this disclosure provides an electronic device, including: one or more processors; and a memory storing one or more computer program modules; wherein the one or more computer program modules are configured to be executed by the one or more processors to implement a method provided according to at least one embodiment of this disclosure.

[0008] At least one embodiment of this disclosure provides a computer-readable storage medium for storing non-transitory computer-readable instructions, wherein the non-transitory computer-readable instructions, when executed by one or more processors, implement a method provided according to at least one embodiment of this disclosure.

[0009] The solution for managing digital currency wallets disclosed in this embodiment ensures that new users who have not yet activated their wallets can successfully activate / add wallets when attempting to do so. Furthermore, other embodiments ensure that new users who have already activated their wallets can add their own wallets, avoiding the accidental addition of old wallets activated by existing users. This provides crucial technical support for the application of the digital currency wallet ecosystem in scenarios involving secondary account activation. Attached Figure Description

[0010] To more clearly illustrate the technical solutions of the embodiments of this disclosure, the accompanying drawings of the embodiments of this disclosure will be briefly described below. Clearly, the drawings described below only relate to some embodiments of this disclosure and are not intended to limit the scope of this disclosure.

[0011] Figure 1 A block diagram of a system for managing a digital currency wallet according to at least one embodiment of the present disclosure is shown;

[0012] Figure 2 A timing diagram illustrating a method for opening a digital currency wallet in an example application scenario according to at least one embodiment of the present disclosure is shown.

[0013] Figure 3 It shows Figure 2 A diagram illustrating wallet ownership confirmation information during the process of opening a digital currency wallet;

[0014] Figure 4 A timing diagram illustrating a method for adding a digital currency wallet in an example application scenario according to at least one embodiment of the present disclosure is shown.

[0015] Figure 5 A flowchart illustrating a method for managing a digital currency wallet according to at least one embodiment of the present disclosure is shown;

[0016] Figure 6 A flowchart illustrating another method for managing a digital currency wallet according to at least one embodiment of the present disclosure is shown;

[0017] Figure 7 A schematic diagram of an electronic device according to at least one embodiment of the present disclosure is shown;

[0018] Figure 8 A schematic diagram of a computer-readable storage medium according to at least one embodiment of the present disclosure is shown. Detailed Implementation

[0019] To make the objectives, technical solutions, and advantages of the embodiments of this disclosure clearer, the technical solutions of the embodiments of this disclosure will be clearly and completely described below with reference to the accompanying drawings. Obviously, the described embodiments are only some, not all, of the embodiments of this disclosure. All other embodiments obtained by those skilled in the art based on the described embodiments of this disclosure without creative effort are within the scope of protection of this disclosure.

[0020] Unless otherwise defined, the technical or scientific terms used herein should have the ordinary meaning understood by one of ordinary skill in the art to which this disclosure pertains. The terms “first,” “second,” and similar terms used in this disclosure do not indicate any order, quantity, or importance, but are merely used to distinguish different components. Similarly, terms such as “comprising” or “including” mean that the element or object preceding the word encompasses the elements or objects listed following the word and their equivalents, without excluding other elements or objects. Terms such as “connected” or “linked” are not limited to physical or mechanical connections, but can include electrical connections, whether direct or indirect. Terms such as “upper,” “lower,” “left,” and “right” are used only to indicate relative positional relationships, which may change accordingly when the absolute position of the described objects changes.

[0021] Note that the examples described below are merely specific examples and are not intended to limit the embodiments of this disclosure to the specific shapes, hardware, connections, operations, values, conditions, data, sequences, etc., shown and described. Those skilled in the art can utilize the concepts of this disclosure to construct further embodiments not mentioned herein by reading this specification.

[0022] The terminology used in this disclosure is that which is currently widely used in the art in consideration of the functionality of this disclosure; however, these terms may vary depending on the intent, precedent, or new technology of those skilled in the art. Furthermore, specific terms may be chosen by the applicant, and in such cases, their detailed meanings will be described in the detailed description of this disclosure. Therefore, the terminology used in this specification should not be construed as simple names, but rather based on the meaning of the terms and the overall description of this disclosure.

[0023] This disclosure uses flowcharts to illustrate the operations performed by a system according to embodiments of this disclosure. It should be understood that the preceding or following operations are not necessarily performed in exact order. Instead, various steps can be processed in reverse order or simultaneously, as needed. Furthermore, other operations can be added to these processes, or one or more steps can be removed from them.

[0024] First, the relevant terms used in this disclosure will be defined and explained.

[0025] User equipment primarily includes devices involving communication technologies. Specifically, it includes any electronic device that a user can easily carry or operate, which can also provide remote communication capabilities with networks, such as mobile communication terminals. Mobile communication terminals can communicate using mobile phone (wireless) networks, wireless data networks (e.g., 3G, 4G, 5G, or similar networks), Wi-Fi, Bluetooth, Bluetooth Low Energy (BLE), Wi-Max, or any other communication medium that provides access to networks such as the Internet or private networks. Specific examples include mobile phone terminals, tablet computers, netbooks, laptop computers, wearable devices (e.g., smartwatches), etc.

[0026] Digital currency account: Also known as a "digital currency account," it refers to a digital currency application account. It's a credential used by users to register on digital currency applications using a mobile phone number (e.g., a phone number) to distinguish different users within the application. Users log in to their accounts using their phone number, password, or biometric authentication. For example, a digital yuan application account is a digital currency account registered by a user using their phone number on a digital yuan application.

[0027] Digital currency wallets serve as the carrier and medium for reaching users of digital currencies (hereinafter referred to as "digital currencies," referring to digital legal tender, such as the digital yuan). They can take the form of soft wallets or hardware wallets. Soft wallets can be provided through wallet services offered by smart applications that support digital currencies; they can be understood as existing in the form of an application (App). Examples include digital wallets within digital currency apps and digital wallets within apps of various digital currency operating institutions. Hardware wallets refer to physical media for storing digital currencies, opened through over-the-counter or electronic channels. They are digital currency carriers with a secure element (SE) and also possess basic functions such as redemption, deposit, withdrawal, consumption, transfer, and inquiry. Examples include mobile phones, NFC-SIM cards, IC cards, and wearable devices with secure elements. In this embodiment, digital currency wallets primarily refer to soft wallets. Users can open a digital currency wallet (hereinafter referred to as "wallet") through a digital currency application (such as the digital yuan App) by selecting one of the digital currency operating institutions designated by the central bank, or they can open a wallet directly through a digital currency operating institution.

[0028] Digital currency operators: Commercial banks or other institutions responsible for providing users with digital currency exchange and circulation services.

[0029] Digital Currency Interoperability Platform: This platform, often shortened to "Interoperability Platform," supports the transfer, clearing, and message exchange of digital currencies / electronic payments between the central bank and various operating institutions. It enables interoperability between the central bank and various operating institutions.

[0030] Digital currency wallet service platform: which can be abbreviated as "wallet service platform", is the back-end support system for digital currency applications (such as the digital RMB App) and wallet ecosystem management. It provides services such as user system, wallet information and user-wallet relationship, and provides standard wallet service capabilities and general product service capabilities to participating entities.

[0031] Mobile communication number: A unique combination of numbers used to identify user terminal equipment (such as mobile phones) in a mobile communication network. It is the basis for realizing communication functions such as voice, text message, and data, such as mobile phone number.

[0032] Number recycling and reuse: also known as "secondary number release", refers to the process where, after an old user stops using or abandons their mobile phone number, the number is reclaimed by the telecommunications operator and released back into the market for other users to use.

[0033] It should be noted that the collection, gathering, updating, analysis, processing, use, transmission, and storage of user personal information involved in this publicly disclosed technical solution all comply with relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken to prevent unauthorized access to user personal information data and to safeguard user personal information security, network security, and national security.

[0034] In the existing scheme, after a new user obtains a secondary phone number, if the existing user has previously opened, for example, a digital RMB wallet, the system cannot identify whether the current user is the new holder of the number. This results in the new user being incorrectly blocked and unable to open or add a wallet normally.

[0035] At least one embodiment of this disclosure provides a method, system, electronic device, and storage medium for managing digital currency wallets. When a new user attempts to open or add a wallet using a digital currency application on their user device, it ensures that new users who have not yet opened a wallet can open a wallet normally, and new users who have already opened a wallet can add their own wallet, thus avoiding the mistaken addition of old wallets opened by old users.

[0036] The embodiments and some examples of this disclosure will now be described in detail with reference to the accompanying drawings.

[0037] Figure 1A block diagram of a system 100 for managing a digital currency wallet according to an embodiment of the present disclosure is shown. Figure 1 As shown, the system 100 includes a target operating institution server (hereinafter referred to as "target operating institution") 110, user equipment 120, a digital currency wallet service platform (hereinafter referred to as "wallet service platform") 130, a digital currency interconnection platform 140, other operating institution servers (hereinafter referred to as "other operating institutions") 150, and a risk control system 160. The target operating institution server can represent the operating institution to which the currently operating digital currency wallet belongs, and can be referred to as "target operating institution", such as XX Bank.

[0038] User equipment 120 can communicate with the target operator's server 110 and the wallet service platform 130. Interoperability platform 140 can communicate with each operator's server (110, 150) and the wallet service platform 130. Wallet service platform 130 can also communicate with risk control system 160.

[0039] For example, messages between the aforementioned devices or servers can be sent over a communication network using secure communication protocols, such as, but not limited to, File Transfer Protocol (FTP), Hypertext Transfer Protocol (HTTP), and Secure Hypertext Transfer Protocol (HTTPS). The communication network can include any one and / or a combination of the following: direct interconnection, the Internet, a local area network (LAN), a metropolitan area network (MAN), a secure custom connection, a wide area network (WAN), and a wireless network.

[0040] like Figure 1 As shown, user device 120 may include a digital currency application (hereinafter referred to as "digital currency App" or "digital currency app," such as the digital RMB App) 1200. The digital currency App can be a mobile application providing full lifecycle management functions for a digital currency wallet, provided by the digital currency issuer (such as a central bank). During use, it can communicate and interact with the wallet service platform 130. The digital currency App 1200 provides users with a user interface (UI) for performing digital currency transactions or managing a digital currency wallet through the display module of user device 120. It can receive data and instructions from the wallet service platform 130 and the target operating institution's server 110 to execute corresponding processing.

[0041] For example, in some embodiments of this disclosure, a user can interact with the wallet service platform 130 through the digital currency app 1200 on the user device 120 to initiate the opening or addition of a digital currency wallet for a target operating institution.

[0042] Servers 110 and 150 of each operating institution are the back-end computer systems of digital currency operating institutions. In some embodiments of this disclosure, they mainly have the following functions: (1) Account and wallet management, such as performing the entire life cycle operation of digital currency wallets (opening, freezing, canceling), maintaining the dynamic binding relationship between wallets and mobile communication numbers (such as mobile phone numbers, which can be called "mobile phone numbers"), and supporting new users to open wallets through the operating institution's channels for secondary number release; (2) Verification mechanism for number recycling and reuse (secondary number release).

[0043] The wallet service platform 130 is a back-end computer system for managing digital currency wallets for digital currency issuers (such as central banks). It communicates with the servers of various operating institutions through the interconnection platform 140, and sends query requests to the target operating institution server 110 to query the wallet associated with the mobile phone number and to verify whether the mobile phone number is a secondary number. Based on the returned results, it determines the business process logic to be executed, such as wallet opening, wallet addition, and wallet opening / addition pre-verification.

[0044] During the management of a digital currency wallet, a user initiates a wallet activation request for a target operating institution through the Digital Currency App 1200. The Digital Currency App 1200 responds and sends the wallet activation request to the wallet service platform 130. The wallet activation request includes the mobile phone number used to activate the digital currency wallet. The wallet service platform 130 generates a linked wallet query request based on the mobile phone number in the wallet activation request and sends it to the target operating institution's server 110 via the interconnection platform 140. The linked wallet query request is used to check whether a digital currency wallet activated using that mobile phone number exists.

[0045] The target operator's server 110 queries the associated wallet information opened using the mobile phone number and sends the associated wallet information to the wallet service platform 130 via the interconnection platform 140. The wallet service platform 130 forwards the associated wallet information to the digital currency app 1200. The digital currency app 1200 provides wallet ownership confirmation information to the user based on the associated wallet information, prompting the user to determine wallet ownership. In response to the user's denial of ownership of the associated wallet, the digital currency app 1200 sends a verification request to the wallet service platform 130 to check whether the mobile phone number was reissued.

[0046] Wallet service platform 130 sends a verification request to target operator server 110 via interconnection platform 140. Target operator server 110 verifies that the mobile number is a reissued number and sends the verification result to wallet service platform 130 via interconnection platform 140. Wallet service platform 130 generates a wallet activation authorization instruction in response to the verification result and sends it to digital currency app 1200. Digital currency app 1200 responds to the wallet activation authorization instruction and executes the wallet activation process.

[0047] By following the above process, new users who have not yet activated their wallets can successfully activate their wallets through secondary account allocation, thus improving the user experience.

[0048] Figure 2 A timing diagram illustrating a method for opening a digital currency wallet in an example application scenario according to at least one embodiment of the present disclosure is shown below, with reference to... Figure 2 This section details the process of activating a wallet in a secondary account allocation scenario.

[0049] When a new user attempts to open / add a wallet on the Digital Currency App 1200, clicking the target operator's icon on the application's user interface first prompts a confirmation box for the user to confirm the mobile phone number used to open the wallet (usually the mobile phone number of the current digital currency account) and the operator's digital currency (such as digital RMB) service agreement. For example, Figure 3 The confirmation box shown on the left displays the confirmation information for activating XX Bank's digital RMB using a de-identified mobile phone number starting with "138" and ending with "86". Users can select the appropriate option to proceed to the next step. Afterwards, the system checks whether the current mobile phone number has an existing, uncancelled wallet with the target operator.

[0050] In one example, the cryptocurrency app 1200 first responds to the wallet activation request by checking whether the target operator already has a cryptocurrency wallet associated with the current cryptocurrency account registered on that mobile phone number. If so, it pushes a first prompt message to the user. For example, the cryptocurrency app can first check through the wallet service platform 130 whether the current cryptocurrency account associated with the mobile phone number is associated with the target operator's cryptocurrency wallet. If a relevant cryptocurrency wallet is found, the app guides the user to directly use the existing wallet. The first prompt message may include wallet information, such as wallet name, wallet identifier, wallet activation time, and prompt text. If the wallet service platform 130 does not find the wallet, the app initiates SMS verification with the target operator's server 110 using the mobile phone number to verify the authenticity of the mobile phone number. After successful verification, the target operator's server 110 queries the wallet information based on the mobile phone number, thereby determining the wallet information corresponding to the mobile phone number and whether it is associated with other accounts. For example, when a user logs into the Digital Currency App with their mobile phone number and then enters the wallet activation page, the wallet operators that can provide services will be displayed directly. For wallet operators whose wallets have already been activated, the icon will display the word "Activated" to prevent users from repeatedly activating wallets of the same operator.

[0051] As an example of the first prompt message in the process of opening a digital currency wallet, if the target operating institution has a wallet already associated with a digital currency account registered with the current mobile phone number, a pop-up window will be displayed to show the first prompt message. For example, the prompt message can be "You have added XX Bank wallet, please use it directly", and the wallet name and wallet opening time will be displayed for the user's information.

[0052] The following explains how the digital currency app 1200, wallet service platform 130, interconnection platform 140, target operating institution 110, and other operating institutions 150 interact to realize the digital currency wallet opening process.

[0053] Steps 1-7: Check if the mobile phone number of the current digital currency account has an existing and uncancelled digital currency wallet with the target operator. If not, continue to complete the wallet opening process (proceed to steps 17-24). If a new wallet (not a reissued old wallet) is found, execute the wallet addition business logic after SMS verification.

[0054] Steps 8-9: The Digital Currency App (1200) interacts with the target operating institution (110) of the latest wallet to conduct mobile SMS verification to confirm whether the user is the real user of the mobile number. If the verification is successful, the user is confirmed as the current user of the mobile number.

[0055] Specifically, the digital currency app 1200 communicates with the target operating institution 110, sending a request to obtain a verification code and receiving the verification code returned by the target operating institution 110 in response to the request. Then, the digital currency app 1200 receives the verification code entered by the user (e.g., ...). Figure 3 The right-hand image shows a 6-digit verification number, which is then sent to the target operator 110 as a verification code request. The target operator 110 verifies the user based on the verification code and returns the verification result to the Digital Currency App 1200. It should be noted that after receiving the verification code request, the target operator 110 can generate a verification code itself and return it to the user.

[0056] like Figure 2 As shown, in steps 1-4, the digital currency app 1200 sends a wallet activation request to the wallet service platform 130, which includes a mobile phone number. The wallet service platform 130 forwards the request to the target operator 110 via the interconnection platform 140 to obtain associated wallet information. The returned response message for querying wallet IDs includes a list of associated wallets.

[0057] In step 6, the wallet service platform 130 forwards the information of the digital currency wallet with the latest opening time from the associated wallet information to the Digital Currency App 1200. Specifically, the wallet list returned by the response message of the mobile phone number query for wallet ID may include wallets with different association states, such as wallets with the latest opening time, old wallets with secondary numbers, and historically associated wallets (e.g., digital currency wallets opened with this mobile phone number but have been cancelled or are invalid). The wallet service platform 130 filters these wallets by association state. If there is no wallet with the association state of "latest opening time" in the wallet list, it returns a business code indicating that the wallet opening process (steps 17-24) (step 7). When the response message of the mobile phone number query for wallet ID returns a wallet list with the association state of "latest opening time", it sends this information to the Digital Currency App 1200 and returns a business code indicating that the wallet addition process has begun. The Digital Currency App 1200 generates and provides wallet ownership confirmation information to the user through the user interface based on the received wallet with the association state of "latest opening time", allowing the user to determine the ownership of the wallet.

[0058] For example, the digital currency app 1200 prompts users via a pop-up window to confirm whether the wallet belongs to them. The associated wallet information falls into two categories:

[0059] Scenario 1: The target operating institution found through 110 that the mobile number has opened a digital currency wallet (referred to as the first digital currency wallet) and is not associated with any digital currency App account.

[0060] For the first digital currency wallet, the wallet ownership confirmation information generated by the Digital Currency App 1200 includes the name of the target operating institution, wallet information, wallet opening timestamp, and interactive controls for confirming or denying wallet ownership.

[0061] Figure 3 It shows Figure 2 A diagram illustrating wallet ownership confirmation information during the process of opening a digital currency wallet. Figure 3 As shown, when the Digital Currency App 1200 responds to the user clicking the "Agree and Activate" interactive control and receives information from the First Digital Currency Wallet, a pop-up window prompts the following:

[0062] "The query found that this mobile number has activated a wallet with <abbreviated name of the operating organization>:"

[0063] Wallet Name: XXXX

[0064] Wallet activation time: YYMMDD

[0065] Please confirm that this wallet was opened for you.

[0066] The pop-up page also provides interactive control options for "This is my wallet" and "This is not my wallet".

[0067] The Digital Currency App responds to the user's click on "My Wallet" and initiates the wallet addition process. This process may include verification of payment passwords and facial recognition, depending on the specific circumstances. See details for further information. Figure 4 .

[0068] The Digital Currency App (1200) responds to the user clicking "Not My Wallet" and enters the "User Selects Not Their Own Wallet" stage, checking whether the current phone number has been reissued. See [link / reference]. Figure 2 Steps 10-16 are shown.

[0069] Scenario 2: The target operating institution found through 110 that the mobile number had already opened a digital currency wallet (referred to as the second digital currency wallet), but it was associated with a digital currency app account registered with another mobile number.

[0070] For the second digital currency wallet, the wallet ownership confirmation information generated by the Digital Currency App 1200 includes: the name of the target operating institution, the associated mobile phone number, wallet information, wallet opening timestamp, and interactive controls for confirming or denying wallet ownership.

[0071] As an example of confirming ownership of a second digital currency wallet during the process of opening a digital currency wallet, the Digital Currency App 1200, in response to the user clicking the "Agree and Activate" interactive control, displays a pop-up message upon receiving information about the second digital currency wallet:

[0072] "We found that this mobile number has already activated a wallet linked to the digital RMB App account with the last four digits of the mobile number. You can log in to this account to use it."

[0073] Wallet Name: XXXX

[0074] Wallet activation time: YYMMDD.

[0075] The pop-up page also provides interactive control options for "This is my wallet" and "This is not my wallet".

[0076] The Digital Currency App responded to the user's click on the "My Wallet" control by closing the pop-up window and returning to the homepage.

[0077] The Digital Currency App responded to the user clicking "Not My Wallet" at 12:00, entering the "User selects not their own wallet" stage of the process, checking whether the current mobile number was a secondary number. See [link / reference]. Figure 2 Steps 10-16 are shown.

[0078] Steps 10-16: The Digital Currency App 1200 initiates a verification request to check whether the mobile number is a secondary number. This request is sent to the target operating institution 110 via the wallet service platform 130 and the interconnection platform 140. The target operating institution 110 first checks whether the mobile number has been secondary. If it confirms that the number has been secondary, it allows the user to continue opening a wallet and proceeds to the subsequent wallet opening process (steps 17-24). In step 15, if the number is not secondary, the user is prompted to add a wallet (see [link to relevant documentation]). Figure 4 (The process is shown below).

[0079] Specifically, if a user's mobile number already has an activated and uncancelled wallet with the target operator 110, and the user selects a wallet other than their own, a message is invoked to verify whether the mobile number is a secondary number. After receiving this message, the target operator 110 verifies whether the user's mobile number has been secondary-issued after the wallet with the latest activation time. If it is a secondary number, the wallet service platform 130 allows the opening of a new wallet. In the response message for the wallet ID information query in step 14, a set field can be used to indicate whether the user is a secondary number issuer. This field can include different identifiers indicating "secondary number issue occurred after the latest wallet was opened", "no secondary number issue occurred after the latest wallet was opened", and "secondary number issue status is unknown after the latest wallet was opened".

[0080] For example, if the field is set to "RecycledPhoneNumber", and the identifier returned by the "RecycledPhoneNumber" field indicates that "the user is a secondary recipient of the phone number", then the wallet service platform 130 sends a wallet activation authorization instruction to the digital currency app 1200 to continue the wallet activation process. If the identifier returned by the "RecycledPhoneNumber" field indicates that "the user is not a secondary recipient of the phone number" or "it cannot be determined whether the user is a secondary recipient of the phone number", then the user can be guided to try adding a wallet or appealing to the digital currency wallet client. The business type identifier in subsequent messages changes from wallet activation / addition pre-verification to wallet addition. It should be noted that if the phone number does not have wallet information, the business type identifier indicates that the wallet activation process is executed; if the phone number has wallet information, and if the phone number has been secondary recipients, the current user may be a new user or an old user, so the previous steps are executed to further determine which process to follow, and the business type identifier in the message corresponds to this process.

[0081] It should be noted that not being marked as a secondary release includes the following two situations: 1) No secondary release has occurred; 2) Secondary release has occurred, but the wallet is the most recently opened wallet after the secondary release.

[0082] Steps 17-24: The Digital Currency App 1200 responds to the wallet activation authorization instruction sent by the wallet service platform 130 and begins to execute the wallet activation process.

[0083] In step 17, the user fills in various information as prompted. This may include the following operations: the user selects the wallet level to open, sets the wallet name, and sets the payment password according to the Digital Currency App 1200.

[0084] In steps 18-20, the digital currency app 1200 sends a wallet activation request to the wallet service platform 130. This request includes parameters such as wallet name, institution number, wallet level, payment password, bank card number, and real-name information verification result. The wallet service platform 130 then sends a wallet activation request to the interconnection platform 140, which in turn sends a wallet activation request to the target operating institution 110.

[0085] In step 21, after receiving the wallet activation request, the target operator 110 determines whether a wallet associated with the mobile number exists (this wallet is generally an old wallet activated by a user other than the current user (new user) before the mobile number was reissued). If it exists, it further determines whether the mobile number requesting the wallet activation is a reissued number. In the reissued number scenario, new users should be allowed to activate the wallet again using the same mobile number.

[0086] In steps 22-24, after the target operating institution 110 activates the wallet, it sends wallet information and a successful wallet activation response message to the interconnection platform 140. The interconnection platform 140 forwards this message to the wallet service platform 130. The wallet service platform 130 saves the wallet information and sends the successful wallet activation result to the digital currency app 1200.

[0087] It should be noted that if the digital currency wallet is a digital RMB wallet, this wallet includes Class I, Class II, Class III, and Class IV wallets. Class I and Class II wallets require users to provide bank card information when opening; Class III wallets do not require users to provide bank card information; and Class IV wallets do not require users to provide real-name information. Steps 17-24 above mainly apply to the opening of Class IV wallets.

[0088] For example, in some embodiments of this disclosure, the wallet service platform 130, in response to the result of successfully opening a wallet using a secondary mobile number, sends the confirmation verification result that the mobile number is a secondary number to the operating institution server 150 corresponding to other operating institutions.

[0089] Steps 25-32: When the operating institution (DigitalCoin App or other channels) opens a wallet for a new user who has been reissued a number, it also needs to asynchronously and in near real-time (notification delay controlled within seconds to minutes (e.g., ≤5 minutes), close to real-time but not immediately respond) notify the wallet service platform 130 that the mobile number has been reissued through a reissue information notification message. The notification type is "Reissue has occurred on the wallet side" (meaning that the mobile number that has already opened a wallet has been reissued with the current institution due to reissue). At the same time, it reports to other operating institution servers 150 through information synchronization messages.

[0090] In some embodiments of this disclosure, if the target operating institution 110 determines that the mobile number is not a reissued number, or cannot determine whether the mobile number is a reissued number due to not accessing the reissue verification service, it will send the verification result to the wallet service platform 130. The wallet service platform 130 responds to the verification result by generating abnormal status information and sending it to the digital currency app 1200. The digital currency app 1200 then pushes a second prompt message to prompt the user to take action.

[0091] As an example of the second prompt message in the process of opening a digital currency wallet, the Digital Currency App 1200 pop-up window prompts users with the following information:

[0092] "If this wallet was not opened by you, please call [Unified Customer Service] to contact [the operating organization] for assistance."

[0093] When the user clicks the "OK" control, the Digital Currency App 1200 closes the pop-up window and returns to the homepage. When the user clicks the "Unified Customer Service" number, the Digital Currency App 1200 calls the dialer component to allow the user to dial the "Unified Customer Service" number.

[0094] The above solution primarily addresses the time lag between offline sales and system entry of mobile phone numbers by telecom operators. This could lead to inaccurate verification for some users who have had their numbers reissued due to delayed system information synchronization. By implementing the above process, the risk of account ownership arising from the reissue of mobile phone numbers can be prevented, and this risk can be avoided by providing prompts and connecting to customer service.

[0095] Figure 4 A timing diagram illustrating a method for adding a digital currency wallet in an example application scenario according to at least one embodiment of the present disclosure is shown. (Previously...) Figure 2 In the sequence diagram, if a wallet addition process needs to be executed, it will proceed as follows: Figure 4 Follow the steps shown.

[0096] Step 33: The Digital Currency App 1200 checks whether the activated wallet has not set a payment password. If it does, it prompts the user to set one.

[0097] Steps 34-35: Before adding an activated wallet, the Digital Currency App 1200 verifies the payment password with the target operating institution 110.

[0098] Steps 46-51: After verifying the user's entered payment password, if the wallet is not a real-name wallet, the Digital Currency App 1200 sends a request to add the wallet to the wallet service platform 130. The wallet service platform 130 sends the request to the target operating institution 110 through the interconnection platform 140 to complete the association and binding of the activated wallet and the current digital currency account registered with the mobile phone number. The interconnection platform 140 returns a response message indicating that the wallet has been successfully added to the wallet service platform 130 and the Digital Currency App 1200.

[0099] If the Digital Currency App 1200 determines that the wallet is a real-name wallet, then steps 36-39 are still required.

[0100] Steps 36-39: The Digital Currency App 1200 sends a request to the target operating institution 110 to verify the wallet's real-name information, responds to the wallet verification result returned by the target operating institution 110, and then sends a request to the wallet service platform 130 to verify the wallet's real-name information. If the verification result returned by the wallet service platform 130 is successful, then steps 46-47 are executed.

[0101] It should be noted that the account may already have real-name information before adding the wallet. The purpose of performing two verifications here is to ensure that the real-name information entered by the user is the same as the information of the target operating organization, and also the same as the information in the wallet service platform.

[0102] If the Digital Currency App 1200 still determines that the wallet is a domestic wallet, then steps 40-45 need to be performed.

[0103] Steps 40-45: The Digital Currency App 1200 sends a request to the Wallet Service Platform 130 to query liveness configuration information. The Wallet Service Platform 130 then forwards this request to the Risk Control System 160. Liveness configuration information refers to the key parameters and rules used in biometric technologies (such as facial recognition and fingerprint recognition) to verify whether a target is a real, living person. For example, it may require the user to perform specific actions (such as blinking, nodding, shaking their head, or opening their mouth), without requiring active user cooperation, through algorithmic analysis of physiological characteristics (such as micro-expressions, skin texture, and light reflection). The Wallet Service Platform 130 forwards the query results received from the Risk Control System 160 to the Digital Currency App 1200, triggering interaction between the Digital Currency App 1200 and the Wallet Service Platform 130 to complete the liveness detection operation for the user.

[0104] Figure 5 A flowchart illustrating a method 200 for managing a digital currency wallet according to at least one embodiment of the present disclosure is shown. The method 200 in... Figure 1 The digital currency app is executed at location 1200 on user device 120 in the system shown.

[0105] In step S210, the digital currency app 1200 responds to and sends a wallet activation request initiated by the user for the target operator to the wallet service platform 130, wherein the wallet activation request includes a mobile communication number used to activate the digital currency wallet.

[0106] In step S220, the digital currency app 1200 receives associated wallet information from the target operating institution server 110 corresponding to the target operating institution, sent by the wallet service platform 130. Based on the associated wallet information, the app provides wallet ownership confirmation information to the user to determine the ownership of the wallet. The associated wallet information includes information about digital currency wallets opened using mobile communication numbers.

[0107] In step S230, in response to the determination result that the user denies ownership of the associated wallet, the digital currency app 1200 sends a verification request to the wallet service platform 130 regarding whether the mobile communication number is a number recycling and reuse resource.

[0108] In step S240, the digital currency app 1200 responds to the wallet activation authorization instruction sent by the wallet service platform 130 and executes the wallet activation process. The wallet activation authorization instruction is generated by the wallet service platform 130 in response to the confirmation verification result of the target operating institution server 110 that the mobile communication number is a number recycling and reuse resource.

[0109] In one example, the wallet service platform 130 has a secondary number release verification mechanism. By calling the secondary number release query interface of the corresponding telecommunications operator for the mobile communication number, it verifies whether the mobile communication number has been secondary released after the "digital wallet activation time". If it is detected that the mobile communication number is associated with multiple digital wallets, the activation time of the latest associated wallet is sent as the "digital wallet activation time" to the telecommunications operator, so that the operator can check whether secondary number release has occurred after that time, and the verification result returned by the operator is obtained and returned. In another example, the wallet service platform 130 can query a local preset number recycling information database (used to cache relevant information) to determine whether the current mobile communication number is recorded in it. The preset number recycling information database stores the mobile phone number and secondary number release time sent by the telecommunications operator's secondary number release query interface, and / or the mobile phone number and secondary number release time sent synchronously by the servers of various operators.

[0110] For example, in some embodiments of this disclosure, the associated wallet information includes information on at least one of the following digital currency wallets: a first digital currency wallet opened using a mobile communication number and not associated with any digital currency account; and a second digital currency wallet opened using a mobile communication number and associated with a digital currency account registered with another mobile communication number. The first and second digital currency wallets are the most recently opened wallets.

[0111] For example, in some embodiments of this disclosure, the digital currency app 1200, in response to receiving the associated wallet information of the first digital currency wallet, generates wallet ownership confirmation information based on the associated wallet information, including: the name of the target operating institution, wallet information, wallet opening timestamp, and interactive controls for confirming or denying wallet ownership.

[0112] In one example, the Digital Currency App 1200 generates a wallet ownership confirmation page, containing the aforementioned key fields and interactive controls, allowing users to confirm or deny ownership. After the user submits their selection via the interactive controls, the Digital Currency App 1200 executes the corresponding operation. For example, the name of the target operating institution is the full or abbreviation of the bank or institution to which the wallet belongs; wallet information includes a unique wallet identifier (such as the last 4 digits of the wallet ID), wallet type (anonymous / real-name); the wallet opening timestamp can be the account opening time accurate to the second (such as "2023-08-20 14:30:15"), used by users to verify historical records; and the interactive controls are the entry point for users to confirm or deny ownership.

[0113] For example, in some embodiments of this disclosure, the digital currency app 1200, in response to receiving associated wallet information from a second digital currency wallet, generates wallet ownership confirmation information based on the associated wallet information, including: the name of the target operating institution, the associated mobile communication number, wallet information, wallet activation timestamp, and interactive controls for confirming or denying wallet ownership. Compared to the first digital currency wallet, the addition of the associated mobile communication number allows users to more clearly understand the mobile phone number associated with the wallet, reducing accidental operations.

[0114] For example, in some embodiments of this disclosure, method 200 further includes: in response to a wallet activation request, the digital currency app 1200 queries whether the current digital currency account registered using the mobile communication number has been associated with the digital currency wallet of the target operator; if associated, it pushes a first prompt message to notify the user.

[0115] For example, a user selects a target operating institution (such as XX Bank) in the Digital Currency App 1200 and clicks "Open Wallet". The Digital Currency App 1200's local database queries whether the current account (bound to mobile number B) is already associated with a wallet of the target operating institution. If it exists, it pushes a first notification message (such as "You have opened an XX Bank wallet") and terminates the process. If it does not exist, it can also trigger the verification of the wallet service platform 130. When verification by the wallet service platform 130 is required, the Digital Currency App 1200 calls the API of the wallet service platform 130 and submits a query request, which may include mobile number B. The wallet service platform 130 can perform the following operations locally: query all wallet records of operating institutions associated with mobile number B, determine whether there is a newly opened wallet of the target operating institution, and if so, return the associated wallet information to the Digital Currency App 1200.

[0116] For example, in some embodiments of this disclosure, if the target operator's digital currency wallet is not associated, an SMS verification process is triggered to verify the user's identity. After the user submits an activation request, if no associated wallet is detected, SMS verification is triggered. For example, a 6-digit dynamic verification code is sent to the user's registered mobile phone number to verify the user's input verification code. If successful, the wallet activation process continues; if unsuccessful, the wallet function is locked after a certain number of attempts.

[0117] For example, in some embodiments of this disclosure, method 200 further includes: the digital currency app 1200, in response to the user's confirmation of the ownership of the associated wallet, executing a wallet addition process. For details on executing the wallet addition operation, please refer to... Figure 4 The process shown is not elaborated here.

[0118] For example, in some embodiments of this disclosure, method 200 further includes: the digital currency app 1200 pushes a second prompt message to prompt the user to operate in response to the abnormal status information sent by the wallet service platform 130, wherein the abnormal status information is generated by the wallet service platform 130 in response to the verification result of the target operating institution server 110, which verifies that the mobile communication number is a number recycling and reuse resource or cannot determine whether the mobile communication number is a number recycling and reuse resource.

[0119] For example, if the target operator verifies that the current mobile number has not been reissued, or if it cannot verify whether the number has been used due to missing data, interface timeout, or information conflict, it will return a status code sent by the wallet service platform 130 through the API, indicating that the reissue of the number is negative or cannot be determined. The wallet service platform 130 will then send an abnormal status information containing the status code to the digital currency app 1200, providing a second prompt to help the user solve the corresponding problem.

[0120] Figure 6 A flowchart illustrating another method 300 for managing a digital currency wallet according to at least one embodiment of the present disclosure is shown. Method 300 in... Figure 1 The system shown executes at point 130, which is the digital currency wallet server.

[0121] In step S310, the wallet service platform 130 receives a wallet activation request for the target operating institution sent from the digital currency app 1200.

[0122] In step S320, the wallet service platform 130 sends a related wallet query request generated based on the mobile communication number to the target operating institution server 110 corresponding to the target operating institution. The related wallet query request is used to query whether there is a digital currency wallet opened using the mobile communication number.

[0123] In step S330, the wallet service platform 130 forwards the associated wallet information received from the target operating institution server 110 to the digital currency app 1200, so as to provide wallet ownership confirmation information to the user through the digital currency app 1200 to determine the ownership of the wallet.

[0124] In step S340, the wallet service platform 130 receives a verification request from the digital currency app 1200 regarding whether the mobile communication number is a number recycling and reuse resource, and sends it to the target operator server 110. The verification request is generated by the digital currency app 1200 in response to the user's denial of the ownership of the associated wallet.

[0125] In step S350, in response to the confirmation verification result received from the target operator server 110 that the mobile communication number is a number recycling and reuse resource, the wallet service platform 130 sends a wallet opening authorization instruction to the digital currency App 1200 to execute the wallet opening process.

[0126] For example, in some embodiments of this disclosure, the wallet service platform 130 forwards the associated wallet information received from the target operating institution server 110 to the digital currency app 1200, including: forwarding the information of the digital currency wallet with the latest opening time in the associated wallet information to the digital currency app 1200.

[0127] For example, in some embodiments of this disclosure, method 300 further includes: in response to the successful activation of a wallet using a mobile communication number, the wallet service platform 130 sends a confirmation verification result confirming that the mobile communication number is a recycled number to the server 150 of the corresponding operator of other operators. The main purpose of sending the confirmation verification result confirming that the mobile number is a reissued number to the server of the corresponding operator is to ensure real-time updates and collaborative management of user information across institutions, thereby resolving various problems caused by the reuse of mobile phone numbers.

[0128] It should be noted that the above application scenarios are merely exemplary in order to describe one or more aspects of this disclosure in specific scenarios. However, these aspects are not essential, and various modifications can be made to the application scenario. The embodiments of this disclosure are not limited.

[0129] At least some embodiments of this disclosure also provide an electronic device. Figure 7 A schematic diagram of an electronic device 600 according to at least one embodiment of the present disclosure is shown.

[0130] like Figure 7As shown, the electronic device 600 includes one or more processors 610 and a memory 620. The memory 620 includes one or more computer program modules 621. The one or more computer program modules 621 are stored in the memory 620 and configured to be executed by the processor 610. These computer program modules 621 include instructions for executing a method 300 for processing digital currency hard wallet transactions according to at least one embodiment of the present disclosure and its additional aspects. When executed by the processor 610, they can perform one or more steps of a method 200, 300 for managing a digital currency wallet according to at least one embodiment of the present disclosure and its additional aspects. The memory 620 and the processor 610 can be interconnected via a bus system and / or other forms of connection mechanisms (not shown). For example, the bus may be a Peripheral Component Interconnect Standard (PCI) bus or an Extended Industry Standard Architecture (EISA) bus, etc. The communication bus can be divided into an address bus, a data bus, a control bus, etc.

[0131] For example, processor 610 may be a central processing unit (CPU), a digital signal processor (DSP), or other processing unit with data processing and / or program execution capabilities, such as a field-programmable gate array (FPGA). Processor 610 may be a general-purpose processor or a special-purpose processor that can control other components in electronic device 600 to perform desired functions.

[0132] Exemplarily, memory 620 may include any combination of one or more computer program products, which may include various forms of computer-readable storage media, such as volatile memory and / or non-volatile memory. Volatile memory may include, for example, random access memory (RAM) and / or cache memory. Non-volatile memory may include, for example, read-only memory (ROM), hard disk, erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), USB memory, flash memory, etc. One or more computer program modules 621 may be stored on the computer-readable storage medium, and processor 610 may run one or more computer program modules 621 to implement various functions of electronic device 600. The computer program modules include multiple computer-executable instructions. Various application programs and various data, as well as various data used and / or generated by the application programs, may also be stored in the computer-readable storage medium.

[0133] For example, electronic device 600 may also include input devices such as touchscreens, touchpads, keyboards, mice, cameras, microphones, accelerometers, and gyroscopes; output devices such as liquid crystal displays, speakers, and vibrators; storage devices such as magnetic tapes and hard disks (HDDs or SDDs); and communication devices such as network interface cards like LAN cards and modems. The communication devices allow electronic device 600 to communicate wirelessly or wiredly with other devices to exchange data and perform communication processing via networks such as the Internet. A drive is connected to the I / O interface as needed. Removable storage media, such as disks, optical disks, magneto-optical disks, and semiconductor memories, are installed on the drive as needed so that computer programs read from them can be installed into the storage device as required.

[0134] For example, the electronic device 600 may further include a peripheral interface (not shown in the figure). This peripheral interface can be various types of interfaces, such as a USB interface, a Lightning interface, etc. The communication device can communicate wirelessly with networks and other devices, such as the Internet, intranets and / or wireless networks such as cellular telephone networks, wireless local area networks (LANs) and / or metropolitan area networks (MANs). Wireless communication can use any of a variety of communication standards, protocols, and technologies, including but not limited to Global System for Mobile Communications (GSM), Enhanced Data GSM Environment (EDGE), Wideband Code Division Multiple Access (W-CDMA), Code Division Multiple Access (CDMA), Time Division Multiple Access (TDMA), Bluetooth, Wi-Fi (e.g., based on IEEE 802.11a, IEEE 802.11b, IEEE 802.11g, and / or IEEE 802.11n standards), Voice over Internet Protocol (VoIP), Wi-MAX, protocols for email, instant messaging, and / or Short Message Service (SMS), or any other suitable communication protocol.

[0135] The electronic device 600 may be, for example, a system-on-a-chip (SOC) or a device including the SOC. For instance, it can be any device such as a mobile phone, tablet computer, laptop computer, e-reader, game console, television, digital photo frame, navigator, home appliance, communication base station, industrial controller, server, etc., or any combination of data processing devices and hardware. The embodiments of this disclosure do not limit this. The specific functions and technical effects of the electronic device 600 can be found in the description above of the method 200, 300 for managing a digital currency wallet according to at least one embodiment of this disclosure and its additional aspects, which will not be repeated here.

[0136] Figure 8A schematic diagram of a computer-readable storage medium 700 according to at least one embodiment of the present disclosure is shown.

[0137] like Figure 8 As shown, a non-transitory computer instruction 710 is stored on a computer-readable storage medium 700, which, when executed by a processor, performs one or more steps of the methods 200, 300 and their additional aspects for managing a digital currency wallet as described above.

[0138] For example, when the program code is read by a computer, the computer can execute the program code stored in the computer storage medium to perform one or more steps of, for example, the method 200, 300 for managing a digital currency wallet and its additional aspects according to at least one embodiment of the present disclosure.

[0139] For example, the computer-readable storage medium may include a memory card of a smartphone, a storage component of a tablet computer, a hard disk of a personal computer, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM), portable compact disc read-only memory (CD-ROM), flash memory, and other computer-readable media or any combination thereof.

[0140] At least some of the embodiments in this specification are described in a progressive manner, with each embodiment focusing on the differences from other embodiments. The same or similar parts between the embodiments can be referred to each other.

[0141] It should be noted that, in this document, relational terms such as "first," "second," etc., are used only to distinguish one entity or operation from another, and do not necessarily require or imply any such actual relationship or order between these entities or operations. The terms "comprising," "including," or any other variations thereof are intended to cover non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements includes not only those elements but also other elements not expressly listed, or elements inherent to such a process, method, article, or apparatus. Without further limitations, an element defined by the phrase "comprising..." does not exclude the presence of other identical elements in the process, method, article, or apparatus that includes the element.

[0142] The following points should be noted regarding this disclosure:

[0143] (1) The accompanying drawings of the embodiments of this disclosure only involve the structures involved in the embodiments of this disclosure. Other structures can be referred to the general design.

[0144] (2) Where there is no conflict, the embodiments of this disclosure and the features in the embodiments can be combined with each other to obtain new embodiments.

[0145] The above description is merely an exemplary embodiment of this disclosure and is not intended to limit the scope of protection of this disclosure, which is determined by the appended claims.

Claims

1. A method for managing a digital currency wallet, comprising: The user device's digital currency application responds to and sends a wallet activation request initiated by the user for the target operator to the digital currency wallet service platform, wherein the wallet activation request includes a mobile communication number used to activate the digital currency wallet; The digital currency application receives associated wallet information from the server of the target operating institution corresponding to the target operating institution, sent by the digital currency wallet service platform. Based on the associated wallet information, it provides wallet ownership confirmation information to the user to determine the ownership of the wallet. The associated wallet information includes information about the digital currency wallet opened using the mobile communication number. In response to the user's denial of ownership of the associated wallet, the digital currency application sends a verification request to the digital currency wallet service platform regarding whether the mobile communication number is a number recycling and reuse resource; The digital currency application responds to the wallet activation authorization instruction sent by the digital currency wallet service platform and executes the wallet activation process. The wallet activation authorization instruction is generated by the digital currency wallet service platform in response to the confirmation verification result of the target operating institution server that the mobile communication number is a number recycling and reuse resource.

2. The method according to claim 1, wherein, The associated wallet information includes information from at least one of the following digital currency wallets: A first digital currency wallet activated using the aforementioned mobile communication number and not associated with any digital currency account; A second digital currency wallet activated using the aforementioned mobile communication number and associated with digital currency accounts registered using other mobile communication numbers.

3. The method according to claim 2, wherein, In response to receiving the associated wallet information of the first digital currency wallet, the digital currency application generates wallet ownership confirmation information based on the associated wallet information, including: The target operating institution's name, wallet information, wallet activation timestamp, and interactive controls for confirming or denying wallet ownership.

4. The method according to claim 2, wherein, In response to receiving the associated wallet information of the second digital currency wallet, the digital currency application generates wallet ownership confirmation information based on the associated wallet information, including: The target operator's name, associated mobile communication number, wallet information, wallet activation timestamp, and interactive controls for confirming or denying wallet ownership.

5. The method according to claim 1, wherein, The method further includes: In response to the wallet activation request, the digital currency application queries whether the current digital currency account registered using the mobile communication number is associated with the digital currency wallet of the target operator. If associated, a first prompt message is pushed to the user; if not associated with the digital currency wallet of the target operator, the digital currency application triggers an SMS verification process to verify the user's identity.

6. The method according to claim 1, wherein, The method further includes: The digital currency application executes the wallet addition process in response to the user's confirmation of ownership of the associated wallet.

7. The method according to claim 1, wherein, The method further includes: In response to the abnormal status information sent by the digital currency wallet service platform, the digital currency application pushes a second prompt message to prompt the user to operate. The abnormal status information is generated by the digital currency wallet service platform in response to the verification result of the target operating institution server, which denies that the mobile communication number is a number recycling and reuse resource or cannot determine whether the mobile communication number is a number recycling and reuse resource.

8. A method for managing a digital currency wallet, comprising: The digital currency wallet service platform receives a wallet activation request for a target operator sent from a digital currency application on a user's device, wherein the wallet activation request includes a mobile communication number for activating the digital currency wallet; The digital currency wallet service platform sends a related wallet query request generated based on the mobile communication number to the target operating institution's server, wherein the related wallet query request is used to query whether a digital currency wallet opened using the mobile communication number exists; The digital currency wallet service platform will send the associated wallet information received from the target operating institution's server to the digital currency application, so as to provide wallet ownership confirmation information to the user through the digital currency application to determine the ownership of the wallet. The associated wallet information includes information about the digital currency wallet opened using the mobile communication number. The digital currency wallet service platform receives a verification request from the digital currency application regarding whether the mobile communication number is a number recycling and reuse resource, and sends it to the target operating institution's server. The verification request is generated by the digital currency application in response to the user's denial of the ownership of the associated wallet. In response to the confirmation result received from the target operator's server that the mobile communication number is a number recycling and reuse resource, the digital currency wallet service platform sends a wallet activation authorization instruction to the digital currency application to execute the wallet activation process.

9. The method according to claim 8, wherein, The digital currency wallet service platform forwards the associated wallet information received from the target operator's server to the digital currency application, including: Forward the information of the digital currency wallet with the latest opening time from the associated wallet information to the digital currency application.

10. The method according to claim 8, wherein, The method further includes: In response to the successful activation of a wallet using the mobile communication number, the digital currency wallet service platform sends a confirmation verification result confirming that the mobile communication number is a number to be recycled and reused to the server of the corresponding operating institution of other operating institutions.

11. A system for managing digital currency wallets, comprising: A user equipment, wherein the user equipment has a digital currency application installed, and the digital currency application is configured to perform the following operations: Respond to and send a user-initiated wallet activation request for a target operating institution to the digital currency wallet service platform, wherein the wallet activation request includes a mobile communication number used to activate the digital currency wallet; The system receives associated wallet information from the server of the target operating institution corresponding to the target operating institution, sent by the digital currency wallet service platform. Based on the associated wallet information, the system provides wallet ownership confirmation information to the user to determine the ownership of the wallet. The associated wallet information includes information about the digital currency wallet opened using the mobile communication number. In response to the user's denial of ownership of the associated wallet, a verification request is sent to the digital currency wallet service platform to check whether the mobile communication number is a number that has been recycled and reused. In response to the wallet activation authorization instruction sent by the digital currency wallet service platform, the wallet activation process is executed. The wallet activation authorization instruction is generated by the digital currency wallet service platform in response to the confirmation verification result of the target operating institution server that the mobile communication number is a number to be recycled and reused.

12. An electronic device comprising: One or more processors; Memory, which stores one or more computer program modules. The one or more computer program modules are configured to be executed by the one or more processors to implement the method according to any one of claims 1-10.

13. A computer-readable storage medium for storing non-transitory computer-readable instructions, wherein, When a non-transitory computer-readable instruction is executed by one or more processors, it is used to implement the method according to any one of claims 1-10.

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