Digital wallet management system and method, and medium and product

Abstract

The present application belongs to the technical field of communications. Disclosed are a digital wallet management system and method, and a medium and a product. The digital wallet management system comprises an electronic device, and an app is provided in the electronic device. The app is used for acquiring and managing a currency resource held by a user within a preset time period, wherein the management of the currency resource held by the user within the preset time period comprises: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resource, and backing up the first digital wallet. That is, in the embodiments of the present application, functions such as creating a digital wallet for a currency resource and backing up the digital wallet can be implemented by means of an app in an electronic device, so that comprehensive management of currency resources is implemented without the aid of other devices, thereby reducing the management costs of the currency resources.

Description

Digital wallet management system, method, medium and product TECHNICAL FIELD

[0001] The application belongs to the technical field of communication, and particularly relates to a digital wallet management system, method, medium and product. BACKGROUND

[0002] The management of the currency resources held by the user can include operations such as generating a digital wallet for the currency resources and backing up the digital wallet, and the related technologies often need to rely on multiple electronic devices when implementing the above operations, and the cost is high. SUMMARY

[0003] The purpose of the embodiments of the application is to provide a digital wallet management system, method, medium and product, which can reduce the management cost of currency resources.

[0004] In order to solve the above technical problems, the application is implemented as follows:

[0005] In a first aspect, the embodiments of the application provide a digital wallet management system, comprising an electronic device, and an application program (App) is arranged in the electronic device;

[0006] The App is configured to acquire and manage currency resources held by a user within a preset time period, wherein the management of the currency resources held by the user within the preset time period comprises: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resources and backing up the first digital wallet.

[0007] In a second aspect, the embodiments of the application provide a digital wallet management method applied to an electronic device, and the method comprises:

[0008] Acquiring currency resources held by a user within a preset time period;

[0009] Managing the currency resources, wherein the management of the currency resources comprises: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resources and backing up the first digital wallet.

[0010] In a third aspect, the embodiments of the application provide a readable storage medium, and the readable storage medium stores a program or instructions, and the program or instructions are executed by a processor to implement the steps of the method according to the second aspect.

[0011] In a fourth aspect, the embodiments of the application provide a computer program product, and the computer program product comprises a computer program, and the computer program is executed by a processor to implement the steps of the method according to the second aspect.

[0012] The digital wallet management system of the embodiment of the present application comprises an electronic device, and an App is arranged in the electronic device, and the App is used to acquire and manage currency resources held by a user within a preset time period, wherein the management of the currency resources held by the user within the preset time period comprises: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resources, and backing up the first digital wallet. That is, the App in the electronic device can realize functions such as creating a digital wallet for the currency resources and backing up the digital wallet, and realize comprehensive management of the currency resources, without the aid of other devices, thereby reducing the management cost of the currency resources. BRIEF DESCRIPTION OF DRAWINGS

[0013] FIG. 1 is a structural diagram of a digital wallet management system according to an embodiment of the present application;

[0014] FIG. 2 is a flowchart of a digital wallet management method according to an embodiment of the present application;

[0015] FIG. 3 is a structural diagram of an electronic device according to an embodiment of the present application;

[0016] FIG. 4 is a structural diagram of a key card according to an embodiment of the present application. DETAILED DESCRIPTION

[0017] The features and exemplary embodiments of various aspects of the present application will be described in detail below, in order to make the purposes, technical solutions and advantages of the present application more clear and apparent, the present application will be further described in detail below in combination with the drawings and specific embodiments. It should be understood that the specific embodiments described herein are only intended to explain the present application, but not to limit the present application. The present application can be implemented without some of these specific details by those skilled in the art. The following description of the embodiments is only to provide a better understanding of the present application by showing examples of the present application.

[0018] It should be noted that, in this document, relational terms such as first and second and the like are used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any such actual relationship or order between such entities or actions. Moreover, the terms "comprises", "comprising", or any other variations thereof are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but can include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by an "includes" statement does not exclude the existence of additional identical elements in the process, method, article, or apparatus that includes the element.

[0019] The digital wallet management system provided by the embodiments of the present application can be based on a software wallet, i.e., a first digital wallet. If it is monitored that the currency resources held by a user within a preset time period are greater than or equal to a resource threshold, the App corresponding to the software wallet sends a wallet upgrade instruction to the key card, so that the key card generates a second digital wallet based on the wallet upgrade instruction. That is, the embodiments of the present application can automatically generate a second digital wallet through the key card when the currency resources held by the user are relatively large, thereby realizing the conversion of the software wallet to a hybrid wallet and ensuring the security of the digital wallet.

[0020] The digital wallet management system, method, medium and product provided by the embodiments of the present application will be described below through specific embodiments.

[0021] FIG. 1 is a structural diagram of a digital wallet management system provided by the embodiments of the present application. As shown in FIG. 1, the digital wallet management system 100 can include an electronic device 101, a key card 102 and a mnemonic card 103. The key card 102 and the mnemonic card 103 can be arranged in the electronic device 101, or can exist independently of the electronic device 101. That is, the key card 102 and the mnemonic card 103 can be part of the electronic device 101, or can be independent structures. For example, the key card 102 and the mnemonic card 103 can be smart card type cards, which are simple in structure and low in cost.

[0022] The electronic device 101, the key card 102 and the mnemonic card 103 can all support near field communication (NFC). That is, the electronic device 101, the key card 102 and the mnemonic card 103 can communicate without being connected to a network, thereby ensuring the security of data.

[0023] The electronic device 101 is provided with an App corresponding to a digital wallet. The App is used to obtain and manage the currency resources held by a user within a preset time period. The management of the currency resources held by the user within the preset time period includes: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resources and backing up the first digital wallet.

[0024] The preset time period can be a certain time period before the current time point. The duration corresponding to the preset time period can be set according to actual needs, for example, it can be one day or one week, etc.

[0025] The currency resource can be a digital currency held by the user within a preset time period, and the currency resource held by the user within the preset time period can include at least one currency. The first wallet generation instruction is used to instruct the App to create a digital wallet for the currency resource. The first digital wallet can be one or more, for example, when the currency resource includes only one currency, only one digital wallet can be created, and when the currency resource includes multiple currencies, one or more digital wallets can be created for the multiple currencies.

[0026] That is, when the user holds currency resources of multiple currencies, the currency resources of the multiple currencies can be stored in the same digital wallet, which is convenient for the user to manage, especially when the user needs to view or transact currency resources of different currencies, there is no need to switch between multiple digital wallets, thereby simplifying the operation of the user.

[0027] The embodiments of the present application can realize the functions of creating a digital wallet and a backup digital wallet for a currency resource through the App in the electronic device 101, realize comprehensive management of the currency resource, and do not need to rely on other devices, thereby reducing the management cost of the currency resource.

[0028] In some embodiments, the App is further configured to, in response to the received second wallet generation instruction, communicate with the key card 102 to enable the key card 102 to generate a second digital wallet.

[0029] The App is further configured to communicate with the mnemonic card 103, send the mnemonic sent by the key card 102 corresponding to the second digital wallet to the mnemonic card 103, and store the mnemonic by the mnemonic card 103.

[0030] The second wallet generation instruction is used to request the App to generate a digital wallet through the key card. After receiving the second wallet generation instruction, the App can first establish communication with the key card 102, for example, the App can first detect whether the key card 102 has established communication with the electronic device 101, and in a case where it is determined that the key card 102 has established communication with the electronic device 101, the App can send the second wallet generation instruction to the key card 102 to enable the key card 102 to generate a second digital wallet. If it is detected that the key card 102 has not established communication with the electronic device 101, a prompt information can be outputted to prompt the user to establish communication between the key card 102 and the electronic device 101.

[0031] In order to avoid loss of the key card 102 and inability of the user to operate the digital currency, the mnemonic used to generate the second digital wallet can be backed up. In order to avoid the mnemonic being stolen in the case where the electronic device is connected to the network, the mnemonic card 103 can be used to back up the mnemonic.

[0032] Exemplarily, the App can first detect whether the mnemonic card 103 has established communication with the electronic device 101, and the process is similar to the key card 102. In a case where it is determined that the mnemonic card 103 has established communication with the electronic device 101, the App can send the mnemonic corresponding to the second digital wallet to the mnemonic card 103, and the mnemonic card 103 stores the mnemonic. The mnemonic is sent by the key card to the App after the second digital wallet is generated.

[0033] In some embodiments, the App is specifically configured to:

[0034] encrypt the mnemonic to obtain an encrypted mnemonic;

[0035] send the encrypted mnemonic to the mnemonic card 103.

[0036] The encryption key can be generated by the electronic device 101 and the key card 102. The key card 102 and the App can each generate a part, and then synthesize the keys generated by both to obtain the encryption key. The encryption key can also be generated by one party, for example, can be generated by the key card 102, can be generated by the App, or can be generated in other agreed ways, which are not limited in the embodiments of the application.

[0037] Exemplarily, before the electronic device 101 interacts with the key card 102 and the mnemonic card 103, the electronic device 101 can agree with the key card 102 to generate a session key, that is, an encryption key, which is used in subsequent sessions to ensure the security of the session.

[0038] For example, in the embodiments of the application, the App can encrypt the mnemonic using the agreed session key, and send the encrypted mnemonic to the mnemonic card 103, thereby realizing backup of the mnemonic and ensuring the security of the mnemonic transmission, and further ensuring the security of the digital wallet.

[0039] In some embodiments, the App is further configured to, after sending the mnemonic corresponding to the second digital wallet sent by the key card 102 to the mnemonic card 103 and storing the mnemonic by the mnemonic card 103, delete the mnemonic in the App.

[0040] That is, after the mnemonic is backed up, the App can delete the mnemonic sent by the key card 102, so as to avoid the mnemonic from being misused after the electronic device 101 is connected to the network, thereby causing unnecessary loss. The electronic device 101 can not be connected to the network during the entire creation process of the digital wallet, and the electronic device 101 can be connected to the network after the mnemonic is deleted.

[0041] In some embodiments, the App is further configured to, in a case where the holding amount of the currency resource is greater than or equal to the resource threshold, communicate with the key card 102 and send a wallet upgrade instruction to the key card 102.

[0042] The key card 102 is configured to generate a third digital wallet in response to a wallet upgrade instruction.

[0043] For example, when the user holds less currency resources, the first digital wallet can be generated by the App for convenient use and carrying. When the amount of currency resources held is greater than or equal to the resource threshold, that is, when the user holds more currency resources, in order to improve the security of currency resources and transactions, the currently used software wallet, that is, the first digital wallet, can be upgraded, for example, to a hybrid wallet. The hybrid wallet can be a digital wallet generated by the key card based on the interaction between the App and the key card, that is, the private key and signature data of the digital wallet are stored in the key card 102.

[0044] Specifically, the App can automatically send a wallet upgrade instruction to the key card 102 when it is detected that the amount of currency resources held by the user in a preset time period is greater than or equal to the resource threshold. After receiving the wallet upgrade instruction, the key card 102 can generate a third digital wallet, that is, a hybrid wallet.

[0045] That is, when the user holds more currency resources, the third digital wallet can be automatically generated by the key card 102 according to the embodiments of the present application, realizing the conversion of the software wallet to the hybrid wallet and improving the security of the digital wallet.

[0046] For example, multiple digital wallets can be generated in the same key card 102, and the generation of each digital wallet can call a common mnemonic dictionary or a separate mnemonic dictionary, that is, each digital wallet can correspond to a mnemonic dictionary, and the contents of the mnemonic dictionaries corresponding to the digital wallets are the same.

[0047] Multiple currencies can be stored in the same digital wallet, different currencies can be distinguished by different identifiers, and different currencies can be exchanged.

[0048] In order to ensure the security of data transmission, the App can encrypt the wallet upgrade instruction to obtain an encrypted wallet upgrade instruction, and send the encrypted wallet upgrade instruction to the key card 102.

[0049] The generation process of the encryption key can refer to the above embodiments. In the embodiments of the present application, the wallet upgrade instruction is transmitted in the form of ciphertext between the App and the key card 102, ensuring the security of data transmission.

[0050] In some embodiments, the key card 102 is specifically configured to:

[0051] In response to the wallet upgrade instruction, determine the mnemonic;

[0052] The third digital wallet is generated according to the mnemonic.

[0053] The number of mnemonics can be 12 or 24, for example, and can be determined according to industry specifications. The mnemonics can be stored in a mnemonic dictionary that stores a large number of mnemonics. After receiving the wallet upgrade instruction, the key card 102 can select a certain number of mnemonics from the mnemonic dictionary and generate a second digital wallet based on the selected mnemonics. The selection process of the mnemonics is not limited in the embodiments of the application. For example, the key card can randomly select mnemonics that meet the quantity requirement from the mnemonic dictionary, or can select corresponding mnemonics based on the user's requirements.

[0054] The private key and the public key of the third digital wallet can be generated according to the mnemonics, and the third digital wallet is obtained.

[0055] The embodiments of the application can determine the mnemonics by the key card 102 and generate the third digital wallet based on the mnemonics, realizing the conversion of the soft wallet to the hybrid wallet and improving the security of the digital wallet.

[0056] In some embodiments, the key card 102 can include a secure chip (Secure Element, SE), and the third digital wallet can include a private key and a public key. Accordingly, the key card 102 is further configured to store the private key of the third digital wallet into the SE, and send the public key of the third digital wallet and the mnemonic corresponding to the third digital wallet to the App for storage.

[0057] That is, after the key card 102 generates the private key and the public key of the third digital wallet, the private key can be stored in the SE. Since the key card 102 is not connected to the network, the security of the private key is ensured. The public key, that is, the address of the third digital wallet, can be returned to the App, and the corresponding mnemonic can also be returned to the App.

[0058] That is, when the user holds a large amount of currency resources, the embodiments of the application can create a digital wallet by using the key card 102, and store the private key of the digital wallet in the SE of the key card 102 that is not connected to the network, realizing the conversion of the software wallet to the hybrid wallet and ensuring the security of the data.

[0059] In order to further ensure the security of the data, a personal identification number (PIN) can be set for the key card 102 and the mnemonic card 103. The PINs of the mnemonic card 103 and the key card 102 can be the same or different.

[0060] In some embodiments, the App is further configured to, after generating the first digital wallet for the monetary resource, receive a currency configuration request, the currency configuration request comprising at least one currency information; and in response to the currency configuration request, configure a currency corresponding to each currency information for the first digital wallet, and assign a unique identifier to each currency.

[0061] The currency configuration request is used to request to configure at least one currency for the digital wallet. The currency information can include the type of currency, the name of the currency, etc. After receiving the currency configuration request, the electronic device can configure the corresponding currency for the digital wallet based on the currency information in the currency configuration request to meet the transaction needs of the user. In order to facilitate the user to distinguish different currencies, the electronic device can assign a unique identifier to each configured currency, and the specific form of the identifier is not limited in the embodiments of the present application, for example, it can be the name of the currency, the abbreviation information of the currency name, etc.

[0062] That is, the embodiments of the present application can configure different currencies in the same digital wallet, and uniquely identify each currency through different identifiers, so as to meet the multi-transaction needs of the user.

[0063] Based on the same inventive concept, the embodiments of the present application also provide a digital wallet management method, which can be applied to the electronic device shown in FIG. 1. As shown in FIG. 2, the digital wallet management method can include the following steps:

[0064] S210, obtaining the monetary resource held by the user within a preset time period.

[0065] S220, managing the monetary resource, wherein the management of the monetary resource comprises: in response to the received first wallet generation instruction, generating a first digital wallet for the monetary resource, and backing up the first digital wallet.

[0066] The embodiments of the present application can realize the functions of creating a digital wallet for a monetary resource and backing up a digital wallet through the App in the electronic device, realize the comprehensive management of the monetary resource, and do not need to rely on other devices, thereby reducing the management cost of the monetary resource.

[0067] In some embodiments, the digital wallet management method can further include the following steps:

[0068] In response to the received second wallet generation instruction, communicating with the key card to enable the key card to generate a second digital wallet;

[0069] Communicating with the mnemonic card, sending the mnemonic sent by the key card corresponding to the second digital wallet to the mnemonic card, and storing the mnemonic by the mnemonic card.

[0070] In some embodiments, the digital wallet management method can further include the following steps:

[0071] encrypt the mnemonic word to obtain an encrypted mnemonic word;

[0072] send the encrypted mnemonic word to the mnemonic word card.

[0073] In some embodiments, the digital wallet management method can further include the following steps:

[0074] After sending the mnemonic word corresponding to the second digital wallet to the mnemonic word card and storing the mnemonic word by the mnemonic word card, delete the mnemonic word in the App.

[0075] In some embodiments, the digital wallet management method can further include the following steps:

[0076] In the case where the holding amount of the currency resource is greater than or equal to the resource threshold, communicate with the key card and send a wallet upgrade instruction to the key card, so that the key card generates a third digital wallet based on the wallet upgrade instruction.

[0077] In some embodiments, the digital wallet management method can further include the following steps:

[0078] encrypt the wallet upgrade instruction to obtain an encrypted wallet upgrade instruction;

[0079] send the encrypted wallet upgrade instruction to the key card.

[0080] In some embodiments, the digital wallet management method can further include the following steps:

[0081] After generating the first digital wallet for the currency resource, receive a currency configuration request, the currency configuration request including at least one currency information; in response to the currency configuration request, configure each currency corresponding to each currency information for the first digital wallet, and allocate a unique identifier for each currency.

[0082] For brevity, details are not repeated here.

[0083] Based on the same inventive concept, the embodiments of the present application also provide an electronic device. FIG. 3 is a hardware structure schematic diagram of an electronic device provided by an embodiment of the present application.

[0084] As shown in FIG. 3, the electronic device 300 can include a processor 301 and a memory 602 storing computer program instructions.

[0085] Specifically, the processor 301 can include a central processing unit (CPU), or an application specific integrated circuit (ASIC), or can be configured to implement one or more integrated circuits that implement the embodiments of the present application.

[0086] The memory 302 can include a mass storage for data or instructions. By way of example and not limitation, the memory 302 can include a hard disk drive (HDD), a floppy disk drive, a flash memory, an optical disk, a magneto-optical disk, a magnetic tape, or a Universal Serial Bus (USB) drive or a combination of two or more of these. In one example, the memory 302 can include a removable or non-removable (or fixed) media, or the memory 302 is a non-volatile solid-state memory. The memory 302 can be internal or external to the integrated gateway disaster recovery device.

[0087] In one example, the memory 302 can be a read-only memory (ROM). In one example, the ROM can be a mask-programmed ROM, a programmable ROM (PROM), an erasable PROM (EPROM), an electrically erasable PROM (EEPROM), an electrically alterable ROM (EAROM), or a flash memory, or a combination of two or more of these.

[0088] The memory 302 can include a read-only memory (ROM), a random access memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., memory devices) encoded with software that includes computer-executable instructions that, when executed (e.g., by one or more processors), are operable to perform the operations described with reference to the methods according to the present application.

[0089] The processor 301 implements the methods / steps in the embodiments shown in FIG. 2 by reading and executing computer program instructions stored in the memory 302, and achieves the corresponding technical effects achieved by the embodiments shown in FIG. 2 when performing the methods / steps thereof, which are not described in detail herein for brevity.

[0090] In one example, the electronic device 300 can further include a communication interface 303 and a bus 304. As shown in FIG. 3, the processor 301, the memory 302, and the communication interface 303 are connected through the bus 304 and complete communication therebetween.

[0091] The communication interface 303 is mainly configured to implement communication between modules, devices, units and / or equipment in the embodiments of the present application.

[0092] The bus 304 includes hardware, software, or both, for coupling components of the electronic device 300 to each other in a known manner. By way of example and not limitation, the bus 304 can include an Accelerated Graphics Port (AGP) or other graphics bus, an Extended Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association local (VLB) bus, or another suitable bus or combination of two or more of these. Where appropriate, the bus 304 can include one or more buses. Although the present embodiments describe and show a particular bus, the present application contemplates any suitable bus or interconnect.

[0093] The electronic device can execute the digital wallet management method in the embodiments of the present application after obtaining the currency resource held by the user within the preset time period, thereby implementing the digital wallet management method described in combination with FIG. 2.

[0094] Based on the same inventive concept, the embodiments of the present application also provide a key card. FIG. 4 is a schematic diagram of a hardware structure of a key card according to an embodiment of the present application.

[0095] As shown in FIG. 4, the key card 400 can include a processor 401, an SE 402, and a memory 403 storing computer program instructions.

[0096] Specifically, the processor 401 described above can include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or can be configured as one or more integrated circuits implementing the embodiments of the present application.

[0097] The memory 403 can include mass storage for data or instructions. As an example and not by way of limitation, the memory 403 can include a hard disk drive (HDD), a floppy disk drive, flash memory, an optical disc (e.g., a compact disc (CD) or a digital versatile disc (DVD)), a solid-state drive (SSD), a USB drive, or a combination of two or more of these. In one example, the memory 403 can include removable or non-removable (or fixed) media, where the memory 403 is a nonvolatile solid-state memory. The memory 403 can be internal or external to the integrated gateway disaster recovery device.

[0098] In one example, the memory 403 can be a Read Only Memory (ROM). In one example, the ROM can be a mask programmed ROM, a Programmable ROM (PROM), an Erasable PROM (EPROM), an Electrically Erasable PROM (EEPROM), an Electrically Alterable ROM (EAROM), or a flash memory, or a combination of two or more of these.

[0099] The memory 403 can include a Read Only Memory (ROM), a Random Access Memory (RAM), a disk storage medium device, an optical storage medium device, a flash memory device, an electrical, optical, or other physical / tangible memory storage device. Thus, generally, the memory includes one or more tangible (non-transitory) computer-readable storage media (e.g., a memory device) encoded with software that, when executed (by one or more processors), is operable to perform operations described with reference to the methods according to the present application.

[0100] The processor 401 implements the methods / step in the above-described embodiments by reading and executing computer program instructions stored in the memory 403, and achieves the corresponding technical effects achieved by the above-described embodiments implementing the methods / step thereof, which are not described herein for brevity.

[0101] In one example, the key card 400 can further include a communication interface 404 and a bus 405. As shown in FIG. 4, the processor 401, the SE 402, the memory 403, the communication interface 404 are connected through the bus 405 and complete the communication therebetween.

[0102] The communication interface 404 is mainly used to realize the communication between the modules, devices, units and / or equipment in the embodiments of the present application.

[0103] Bus 405 includes hardware, software, or both, to couple components of key fob 400 to each other in communication. By way of example, and not limitation, bus 405 can be an Accelerated Graphics Port (AGP) or other graphics bus, an Extended Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hyper Transport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an InfiniBand™ interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a Video Electronics Standards Association local (VLB) bus, or another suitable bus or a combination of two or more of these. Where appropriate, bus 405 can include one or more buses. Although this application describes and shows a particular bus, this application contemplates any suitable bus or interconnect.

[0104] The key fob can execute the digital wallet management method in the embodiments of the application after receiving the wallet upgrade instruction sent by the application App.

[0105] In addition, in combination with the digital wallet management method in the above embodiments, the embodiments of the application can provide a readable storage medium for implementation. The readable storage medium stores programs or instructions, which, when executed by a processor, implement any of the digital wallet management methods in the above embodiments and achieve the same technical effects. To avoid repetition, details are not described here.

[0106] In addition, in combination with the digital wallet management method in the above embodiments, the embodiments of the application also provide a computer program product, which includes a computer program. When the computer program is executed by a processor, it implements any of the digital wallet management methods in the above embodiments and achieves the same technical effects. To avoid repetition, details are not described here.

[0107] It needs to be clear that the application is not limited to the specific configurations and processes described above and shown in the drawings. For the sake of brevity, detailed descriptions of known methods are omitted here. In the above embodiments, several specific steps are described and shown as examples. However, the method processes of the application are not limited to the specific steps described and shown. Those skilled in the art can make various changes, modifications and additions, or change the order of steps, after understanding the spirit of the application.

[0108] The functions indicated in the structural block diagrams above can be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, they can be, for example, electronic circuits, application specific integrated circuits (ASICs), appropriate firmware, plug-ins, functional cards, and the like. When implemented in software, the elements of the present application are program or code segments that are used to perform the required tasks. The program or code segments can be stored in a machine-readable medium or transmitted through a data signal carried in a carrier wave over a transmission medium or communication link. The "machine-readable medium" can include any medium that can store or transfer information. Examples of the machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, radio frequency (RF) links, and the like. The code segments can be downloaded via a computer network such as the Internet, an intranet, and the like.

[0109] It is also important to note that the examples mentioned in the present application describe some methods or systems based on a series of steps or devices. However, the present application is not limited to the order of the above steps, that is, the steps can be performed in the order mentioned in the examples, or in an order different from the examples, or several steps can be performed simultaneously.

[0110] The aspects of the present application are described above with reference to flowcharts and / or block diagrams of methods, apparatus (systems) and computer program products according to embodiments of the present application. It should be understood that each block of the flowcharts and / or block diagrams, and combinations of blocks in the flowcharts and / or block diagrams, can be implemented by computer program instructions. These computer program instructions can be provided to a processor of a general-purpose computer, a special-purpose computer, or other programmable data processing apparatus to produce a machine, such that the instructions, which execute via the processor of the computer or other programmable data processing apparatus, enable the implementation of the functions / acts specified in the flowcharts and / or block diagrams of the flowcharts and / or block diagrams. Such a processor can be, but is not limited to, a general-purpose processor, a special-purpose processor, a special-purpose application processor, or a field programmable logic circuit. It should also be understood that each block of the flowcharts and / or block diagrams, and combinations of blocks in the flowcharts and / or block diagrams, can also be implemented by dedicated hardware, or a combination of dedicated hardware and computer instructions. The computer program instructions can also be loaded onto a computer or other programmable data processing apparatus to cause a series of operational steps to be performed on the computer or other programmable data processing apparatus to produce a computer implemented process such that the instructions which execute on the computer or other programmable data processing apparatus provide processes for implementing the functions / acts specified in the flowcharts and / or block diagrams of the flowcharts and / or block diagrams.

[0111] The above is merely a specific implementation of the present application. As can be clearly understood by a person skilled in the art from the above description, for the convenience and brevity of description, the specific working process of the system, module and unit described above can refer to the corresponding process in the foregoing method embodiments, which will not be described herein again. It should be understood that the protection scope of the present application is not limited in this way, and any person skilled in the art can easily think of various equivalent modifications or replacements within the technical range disclosed in the present application, and these modifications or replacements should be covered in the protection scope of the present application.

Claims

1. A digital wallet management system, characterized in that, This includes electronic devices, which have an application program (App) installed. The App is used to acquire and manage the currency resources held by the user within a preset time period. Managing the currency resources held by the user within the preset time period includes: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resources and backing up the first digital wallet.

2. The digital wallet management system according to claim 1, characterized in that, The digital wallet management system also includes key cards and mnemonic phrase cards; The App is also used to respond to the received second wallet generation instruction, communicate with the key card, and cause the key card to generate a second digital wallet; The App is also used to communicate with the mnemonic phrase card, sending the mnemonic phrase corresponding to the second digital wallet sent by the key card to the mnemonic phrase card, which stores the mnemonic phrase.

3. The digital wallet management system according to claim 2, characterized in that, The App is specifically used for: The mnemonic phrase is encrypted to obtain the encrypted mnemonic phrase; The encrypted mnemonic phrase is sent to the mnemonic phrase card.

4. The digital wallet management system according to claim 2 or 3, characterized in that, The App is also used to delete the mnemonic phrase in the App after sending the mnemonic phrase corresponding to the second digital wallet sent by the key card to the mnemonic phrase card and storing the mnemonic phrase on the mnemonic phrase card.

5. The digital wallet management system according to claim 1, characterized in that, The digital wallet management system also includes: a key card; The App is also used to communicate with the key card and send a wallet upgrade instruction to the key card when the amount of the currency resources held is greater than or equal to the resource threshold. The key card is used to generate a third digital wallet in response to the wallet upgrade command.

6. The digital wallet management system according to claim 5, characterized in that, The App is specifically used for: The wallet upgrade command is encrypted to obtain the encrypted wallet upgrade command; The encrypted wallet upgrade command is sent to the key card.

7. The digital wallet management system according to any one of claims 1-3, characterized in that, The App is further configured to, after generating a first digital wallet for the currency resources, receive a currency configuration request, the currency configuration request including at least one currency information; in response to the currency configuration request, configure the first digital wallet with the currencies corresponding to each of the currency information, and assign a unique identifier to each currency.

8. A digital wallet management method, characterized in that, Applied to electronic devices, the method includes: Acquire the monetary resources held by the user within a preset time period; Managing the currency resources includes: in response to a received first wallet generation instruction, generating a first digital wallet for the currency resources, and backing up the first digital wallet.

9. A readable storage medium, characterized in that, The readable storage medium stores a program or instructions that, when executed by a processor, implement the method of claim 8.

10. A computer program product, characterized in that, Includes a computer program that, when executed by a processor, implements the method as described in claim 8.

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