CN109544127A - Transfer account method, device and the equipment of stored value card - Google Patents
Transfer account method, device and the equipment of stored value card Download PDFInfo
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- 238000012546 transfer Methods 0.000 title claims abstract description 73
- 238000000034 method Methods 0.000 title claims abstract description 40
- 230000004044 response Effects 0.000 claims abstract description 19
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 claims description 3
- 239000010931 gold Substances 0.000 claims description 3
- 229910052737 gold Inorganic materials 0.000 claims description 3
- 238000010586 diagram Methods 0.000 description 8
- 230000001343 mnemonic effect Effects 0.000 description 5
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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Abstract
This application provides a kind of transfer account method of stored value card, stored value card is connected with server, and stored value card includes HD wallet and cloud wallet, and server includes cold wallet, hot money packet and centralization database；Transfer account method includes: the first input for receiving the first user；In response to the first input, the digital cash in HD wallet associated with the first user is transferred to cold wallet associated with the first user；Digital cash in cold wallet associated with the first user is at least partly transferred to hot money packet associated with the first user.Present invention also provides a kind of transfer device of stored value card, equipment and computer readable storage mediums.
Description
Technical field
This application involves block chain technical fields, specifically provide the transfer account method, device and equipment of a kind of stored value card.
Background technique
The block chain digital cash wallet of mainstream is mostly layering certainty wallet (the abbreviation HD money of decentralization at present
Packet).The HD wallet of decentralization is mainly characterized by, and user oneself takes care of private key, oneself keeping mnemonic word, and wallet manufacturer only bears
Offer tool, not responsible private key storage and management are provided.User logs in by private key or mnemonic word, transfer operation.But HD
Wallet has the following problems: the address of digital cash is very long, is unfavorable for inputting and confirm；Time of transferring accounts is long；Service charge is excessively high
Deng.
Summary of the invention
At least one to solve above-mentioned technical problem, this application provides a kind of transfer account method of stored value card, device and
Equipment.
In a first aspect, the stored value card is connected with server this application discloses a kind of transfer account method of stored value card,
The stored value card includes HD wallet and cloud wallet, and the server includes cold wallet, hot money packet and centralization database；Turn
Account method includes: to receive the first input of the first user, wherein the first input indicates to need from HD associated with the first user
Wallet is transferred to the amount of money of the digital cash in cold wallet associated with the first user；It, will be with first in response to the first input
Digital cash in the associated HD wallet of user is transferred to cold wallet associated with the first user；It will be related to the first user
Digital cash in the cold wallet of connection is at least partly transferred to hot money packet associated with the first user.
According at least one embodiment of the application, transfer account method further include: the second input of the first user is received,
In, the second input indicates the amount of money for the digital cash that the first user needs to transfer accounts to second user；In response to the second input, in
In heart database, increase the amount of money in the remaining sum of second user, reduces the gold in the remaining sum of first user
Volume.
According at least one embodiment of the application, transfer account method further include: the third input of the first user is received,
In, third input indicates to need to be transferred in HD wallet associated with the first user from hot money packet associated with the first user
Digital cash the amount of money；It is inputted in response to third, the digital cash in hot money packet associated with the first user is transferred to
HD wallet associated with the first user.
According at least one embodiment of the application, cloud wallet has unique account name and corresponding with unique account name
Password.
According at least one embodiment of the application, unique entitled cell-phone number of account.
According at least one embodiment of the application, HD wallet has unique identifier.
Second aspect, this application discloses a kind of transfer device of stored value card, the stored value card is connected with server,
The stored value card includes HD wallet and cloud wallet, and the server includes cold wallet, hot money packet and centralization database；Turn
Account device includes: the first receiving module, for receive the first user first input, wherein first input indicate need from
The associated HD wallet of first user is transferred to the amount of money of the digital cash in cold wallet associated with the first user；First turn
Account module, in response to the first input, the digital cash in HD wallet associated with the first user to be transferred to and first
The associated cold wallet of user；Second transfers accounts module, for by the digital cash in cold wallet associated with the first user extremely
Small part is transferred to hot money packet associated with the first user.
According at least one embodiment of the application, transfer device further include: the second receiving module, for receiving first
The second input of user, wherein the second input indicates the amount of money for the digital cash that the first user needs to transfer accounts to second user；The
Three transfer accounts module, in the centralization database, increasing in the remaining sum of the second user in response to the second input
The amount of money reduces the amount of money in the remaining sum of first user.
According at least one embodiment of the application, transfer device further include: third receiving module, for receiving first
The third of user inputs, wherein third input indicates to need to be transferred to from hot money packet associated with the first user to use with first
The amount of money of digital cash in the associated HD wallet in family；4th transfers accounts module will be with the first use for inputting in response to third
Digital cash in the associated hot money packet in family is transferred to HD wallet associated with the first user.
According at least one embodiment of the application, cloud wallet has unique account name and corresponding with unique account name
Password.
According at least one embodiment of the application, unique entitled cell-phone number of account.
According at least one embodiment of the application, HD wallet has unique identifier.
In the third aspect, this application discloses a kind of equipment, comprising: memory, for storing executable program code；One
A or multiple processors, for reading the executable program code stored in memory to execute transferring accounts for above-mentioned stored value card
Method.
Fourth aspect, this application discloses a kind of computer readable storage medium, computer readable storage medium includes referring to
It enables, when instruction is run on computers, so that computer executes the transfer account method of above-mentioned stored value card.
In the transfer account method of stored value card provided by the embodiments of the present application, device and equipment, by by the digital goods of wholesale
Coin is deposited in HD wallet, and the digital cash of small amount is deposited in cloud wallet, in consumption using the digital cash in cloud wallet,
To significantly reduce the waiting time transferred accounts, while the formality expense transferred accounts is also reduced, and then be convenient to use number
Currency is consumed.
Detailed description of the invention
Fig. 1 is the structural framing figure for the mobile terminal that the application one embodiment provides；
Fig. 2 is the flow diagram for the transfer account method that second embodiment of the application provides；
Fig. 3 is the flow diagram for the transfer account method that the application third embodiment provides；
Fig. 4 is the flow diagram for the transfer account method that the 4th embodiment of the application provides；
Fig. 5 is the structural schematic diagram for the transfer device that the 5th embodiment of the application provides；
Fig. 6 is the structural schematic diagram for being suitable for the calculating equipment to realize the embodiment of the present application.
Specific embodiment
The application is described in further detail with reference to the accompanying drawings and examples.It is understood that this place is retouched
The specific embodiment stated is used only for explaining related application, rather than the restriction to this application.It also should be noted that in order to
Convenient for description, part relevant to the application is illustrated only in attached drawing.
It should be noted that in the absence of conflict, the features in the embodiments and the embodiments of the present application can phase
Mutually combination.The application is described in detail below with reference to the accompanying drawings and in conjunction with the embodiments.
Primary Reference is applied to stored value card and the mobile device of digital cash to describe implementation of the disclosure example below.It answers
When understanding, this is the exemplary application of the embodiment of the present application, and application without being limited thereto.
Fig. 1 is the structural framing figure for the mobile terminal that the application one embodiment provides.
The stored value card is connected with server, and the stored value card includes HD wallet and cloud wallet, the server packet
Include cold wallet, hot money packet and centralization database；
As shown in Figure 1, mobile terminal 100 includes stored value card 110, stored value card 110 is connected with server 120, wherein
Stored value card 110 includes HD wallet 111 and cloud wallet 112, and server 120 includes cold wallet 121, hot money packet 122 and center
Change database 123.
User can generate a HD wallet 111 and cloud wallet associated with the user when creating e-wallet account
112。
HD wallet 111 deposits in local, and for storing the digital cash of user's wholesale, each HD wallet 111 has only
Perhaps mnemonic word needs user voluntarily to back up private key or mnemonic word to a private key corresponding thereto one by one.
Cloud wallet 112 is for showing that the amount of money of user's digital cash all in cold wallet 121 and hot money packet 122 is total
It is that registering and logging is carried out by the account (for example, cell-phone number) and password of user's registration with, cloud wallet 112.
Cold wallet 121 and hot money packet 122 are used to the digital cash of storage user's small amount, and centralization database 123 is used for
Record the total amount of digital cash of the user in cold wallet 121 and hot money packet 122.
In some optional embodiments of the present embodiment, cold wallet 121 can be to be multiple, and hot money packet 122 can also be with
It is multiple.
In application scenes, when user needs to supplement digital cash with money, from HD wallet 111 associated with the user to
Cold wallet 121 associated with the user is transferred accounts, and specifically, user inputs the amount of money of digital cash to be transferred accounts, server
120 when receiving the amount of money of the input, transferring accounts onto the address of cold wallet 121 for HD wallet 111 is submitted, to the cold wallet 121
After confirmation is transferred accounts and received, i.e. completion digital cash is supplemented with money, meanwhile, centralization database 123 will be updated user and be remembered on it
The amount information of the digital cash of record.
In application scenes, the part assets transfer in cold wallet 121 can be arrived by way of manually authorizing
In hot money packet 122, for facilitating user to propose digital cash.For example, 5% of the digital cash in cold wallet 121 is transferred to
In hot money packet 122.
When user needs to mention digital cash, server 120 receives user and extracts the order of digital cash and be issued to hot money
122 are wrapped, the digital cash in hot money packet 122 is transferred accounts according to coin order is proposed into the HD wallet 111 of user.
In application scenes, when user needs to transfer accounts, due to the same server 120 public between different user,
Only need the remaining sum in the centralization database 123 of server 120 in the cloud wallet of plus/minus different user.
Fig. 2 is the flow diagram for the transfer account method that second embodiment of the application provides.
As shown in Fig. 2, transfer account method the following steps are included:
Step 201, the first input of the first user is received.
In the present embodiment, the first input indicates to need to be transferred to from HD wallet associated with the first user to use with first
The amount of money of digital cash in the associated cold wallet in family.
In some optional embodiments of the present embodiment, user can generate one and use when creating wallet account
The associated HD wallet in family and cloud wallet, server are responsible for receiving the transfer instructions for sending HD wallet and cloud wallet.
Cloud wallet has unique account name and password corresponding with account name.Optionally, the entitled cell-phone number of unique account.
HD wallet has unique identifier, optionally, unique to indicate that symbol is private key or mnemonic word.
In some optional embodiments of the present embodiment, user, which can be sent by mobile terminal to server, to be needed
The amount of money of the digital cash in cold wallet associated with the first user, example are transferred to from HD wallet associated with the first user
Such as, user can carry out text input by mobile phone or voice input needs to send to server from related to the first user
The HD wallet of connection is transferred to the amount of money of the digital cash in cold wallet associated with the first user.
Step 202, in response to first input, by the digital cash in HD wallet associated with the first user be transferred to
The associated cold wallet of first user.
In the present embodiment, cold wallet is provided by wallet manufacturer, each cold wallet have one corresponding thereto
The address answered needs digital cash to be transferred accounts onto the address of cold wallet when being transferred accounts to cold wallet.
When being transferred accounts from HD wallet to cold wallet, can only by HD wallet associated with the first user submit transfer accounts to
Wallet manufacturer provide cold wallet associated with the first user address on, cold wallet to be confirmed receives transfer accounts after, complete HD
Wallet is transferred accounts to cold wallet.
In some optional embodiments of the present embodiment, by the digital goods in HD wallet associated with the first user
After coin is transferred in cold wallet associated with the first user, the data in the centralization database of server are updated, so that in
The digital cash amount of money phase of the remaining sum of the digital cash of the first user recorded in heart database and the first user in cold wallet
Together.
In some optional embodiments of the present embodiment, server from the mobile terminal of user receive needs from
When the associated HD wallet of user is transferred to the amount of money of the digital cash in cold wallet associated with the user, server is to HD money
Packet provides the address of cold wallet associated with the user, and HD wallet transfers accounts digital cash onto the address, cold wallet to be confirmed
It receives after transferring accounts, completes the transfer procedure.
Step 203, the digital cash in cold wallet associated with the first user is at least partly transferred to and the first user
Associated hot money packet.
It is taken a long time when being transferred accounts due to digital cash, for example, the acknowledging time of transferring accounts of digital cash at least needs 10 minutes,
Therefore, this can carry out small amount consumption to user makes troubles；Moreover, service charge when digital cash is transferred accounts is higher, for example, once
Typical digital cash, which is transferred accounts, needs the 1-10 yuans of expense not waited, so, due to transfer accounts time and the height taken a long time
The expense of transferring accounts of volume hinders application of the digital cash in consumption.
In the present embodiment, by transferring accounts the digital cash in HD wallet into cold wallet, due to including in cold wallet
There are the assets and data of multiple users, the assets and data of each user pass through centralization database and record, transferring accounts
When, it is only necessary to plus/minus is carried out to the remaining sum of the digital cash of the different user recorded in centralization database, without
Actual transfer digital cash facilitates digital cash answering in consumption to save the time transferred accounts and formality expense
With.
In some optional embodiments of the present embodiment, user can be by mobile terminal by the number in HD wallet
Word currency is transferred in cold wallet, and then by way of manually authorizing, at least partly digital cash in cold wallet is transferred to
Into hot money packet, for example, 5% of the digital cash in cold wallet is transferred in hot money packet.
Fig. 3 is the flow diagram for the transfer account method that the application third embodiment provides.
As shown in figure 3, transfer account method is further comprising the steps of:
Step 301, the second input of the first user is received.
In the present embodiment, the second input indicates the amount of money for the digital cash that the first user needs to transfer accounts to second user.
In some optional embodiments of the present embodiment, user can send first to server by mobile terminal
The amount of money for the digital cash that user needs to transfer accounts to second user, for example, user can by mobile phone carry out text input or
Voice input is come the amount of money for the digital cash for needing to transfer accounts to second user to server the first user of transmission.
Step 302, in response to the second input, in centralization database, increase the amount of money in the remaining sum of second user,
The amount of money is reduced in the remaining sum of first user.
In the present embodiment, server receives the amount of money for the digital cash that the first user needs to transfer accounts to second user,
Since the digital cash of the first user and the digital cash of second user are stored in the cold wallet and/hot money packet of server,
When the first user transfers accounts to second user, transferring accounts for actual progress digital cash is not needed, it is only necessary to centralization
The remaining sum of remaining sum and second user digital cash that the first number currency is recorded in database correspondingly modify,
That is, the digital cash of second user is increased to the digital cash equal with transfer amounts in centralization database, it will
The digital cash of first user reduces the digital cash equal with transfer amounts.
In some optional embodiments of the present embodiment, server receives first from the mobile terminal of the first user
When the amount of money for the digital cash that user needs to transfer accounts to second user, server sends transfer instructions to centralization database, and
The information of the first user and second user is provided, centralization database root reduces the digital cash of the first user according to the instruction, together
The digital cash of Shi Zengjia second user.
In some optional embodiments of the present embodiment, user is when progress consumer need is paid the bill to trade company, user
The amount information for needing to pay the bill can be sent to server by mobile terminal (for example, mobile phone), when server receives the information,
Transfer instructions are sent to centralization database, and the information of user and trade company is provided, centralization database root subtracts according to transfer instructions
The digital cash of few user, while increasing the digital cash of trade company.
Fig. 4 is the flow diagram for the transfer account method that the 4th embodiment of the application provides.
As shown in figure 4, transfer account method is further comprising the steps of:
Step 401, the third input of the first user is received.
In the present embodiment, third input indicates to need to be transferred to from hot money packet associated with the first user to use with first
The amount of money of digital cash in the associated HD wallet in family.
In some optional embodiments of the present embodiment, user, which can be sent by mobile terminal to server, to be needed
The amount of money of the digital cash in HD wallet associated with the user is transferred to from hot money packet associated with the user, for example, user
Text input can be carried out by mobile phone or voice input needs to send to server from hot money packet associated with the user
It is transferred to the amount of money of the digital cash in HD wallet associated with the user.
In some optional embodiments of the present embodiment, if user worries that the digital cash in cloud wallet is stolen,
It can be sent by mobile terminal to server and need to be transferred to HD associated with the user from hot money packet associated with the user
Digital cash in cloud wallet is transferred in HD wallet by the amount of money of the digital cash in wallet, to prevent the number in cloud wallet
Word currency is stolen.
Step 402, in response to third input, by the digital cash in hot money packet associated with the first user be transferred to
The associated HD wallet of first user.
In the present embodiment, server provides a HD wallet associated with the user to hot money packet associated with the user
Address, hot money packet associated with the user transfers accounts digital cash onto the address of HD wallet associated with the user, to true
Recognize after HD wallet associated with the user receives and transfer accounts, completes to transfer accounts.
Referring to Fig. 5, as the realization to method shown in above-mentioned each figure, this application provides a kind of dresses of transferring accounts of stored value card
The one embodiment set, the Installation practice is corresponding with the embodiment of Fig. 2 to transfer account method shown in Fig. 4, and the device is specific
It can be applied in various electronic equipments.
As shown in figure 5, the transfer device 500 of stored value card includes:
First receiving module 501, for receiving the first input of the first user.Wherein, first input indicate need from
The associated HD wallet of first user is transferred to the amount of money of the digital cash in cold wallet associated with the first user.
First transfers accounts module 502, in response to the first input, by the number in HD wallet associated with the first user
Word currency is transferred to cold wallet associated with the first user.
Second transfers accounts module 503, at least partly turning the digital cash in cold wallet associated with the first user
Enter hot money packet associated with the first user.
In some optional embodiments of the present embodiment, transfer device further include:
Second receiving module 504, for receiving the second input of the first user, wherein the second input indicates the first user
The amount of money for the digital cash for needing to transfer accounts to second user.
Third is transferred accounts module 505, in response to the second input, in centralization database, in the remaining sum of second user
The upper increase amount of money, reduces the amount of money in the remaining sum of the first user.
In some optional embodiments of the present embodiment, transfer device further include:
Third receiving module 506, for receive the first user third input, wherein third input indicate need from
The associated hot money packet of first user is transferred to the amount of money of the digital cash in HD wallet associated with the first user.
4th transfers accounts module 507, for inputting in response to third, by the number in hot money packet associated with the first user
Currency is transferred to HD wallet associated with the first user.
In some optional embodiments of the present embodiment, cloud wallet have unique account name and with unique account famous prime minister
Corresponding password, unique entitled cell-phone number of account.
In some optional embodiments of the present embodiment, HD wallet has unique identifier.
It should be noted that the explanation of the aforementioned transfer account method embodiment to stored value card is also applied for the present embodiment
Device, details are not described herein again.
Below with reference to Fig. 6, it illustrates the structural representations being suitable for realize the calculating equipment 600 of the embodiment of the present application
Figure.
As shown in fig. 6, calculating equipment 600 includes input equipment 601, input interface 602, central processing unit 603, memory
604, output interface 605 and output equipment 606.Wherein, input interface 602, central processing unit 603, memory 604 and defeated
Outgoing interface 605 is connected with each other by bus 607, and input equipment 601 and output equipment 606 are respectively by input interface 602 and defeated
Outgoing interface 605 is connect with bus 607, and then is connect with the other assemblies for calculating equipment 600.Specifically, input equipment 604 connects
It receives from external input information, and central processing unit 603 is transmitted to for information is inputted by input interface 602；Central processing
Device 603 is handled to generate output information input information based on the computer executable instructions stored in memory 604, will
Output information temporarily or permanently stores in the memory 604, is then transmitted to output information by output interface 605 defeated
Equipment 606 out；Output information is output to the outside of calculating equipment 600 for users to use by output equipment 606.
That is, calculating equipment shown in fig. 6 also may be implemented as including: to be stored with computer executable instructions
Memory；And one or more processors, the one or more processors can be real when executing computer executable instructions
Now in conjunction with the transfer account method of Fig. 2 to Fig. 4 stored value card described.
In some optional embodiments of the present embodiment, calculating equipment shown in fig. 6 may be implemented as including: to deposit
Reservoir 604 is configured as storage executable program code；One or more processors 603 are configured as run memory 604
The executable program code of middle storage, to execute the transfer account method of the stored value card in above-described embodiment.
In some optional embodiments of the present embodiment, can wholly or partly by software, hardware, firmware or
Person any combination thereof is realized.It when implemented in software, can be entirely or partly with computer program product or computer
The form of readable storage medium storing program for executing is realized.Institute's computer program product or computer readable storage medium include one or more calculate
Machine instruction.When loading on computers and executing computer program instructions, entirely or partly generate according to the embodiment of the present application
Process or function.Computer can be general purpose computer, special purpose computer, computer network or other programmable devices.
Computer instruction may be stored in a computer readable storage medium, or from a computer readable storage medium to another
Computer readable storage medium transmission, for example, computer instruction can be from a web-site, computer, server or data
Center passes through wired (such as coaxial cable, optical fiber, Digital Subscriber Line (DSL)) or wireless (such as infrared, wireless, microwave etc.)
Mode is transmitted to another web-site, computer, server or data center.Computer readable storage medium can be
Any usable medium that computer can access either includes the integrated server of one or more usable mediums, data center
Equal data storage devices.Usable medium can be magnetic medium, (for example, floppy disk, hard disk, tape), optical medium (for example, DVD),
Or semiconductor medium (such as solid state hard disk Solid State Disk (SSD)) etc..
It should be clear that the application is not limited to specific configuration described above and shown in figure and processing.
For brevity, it is omitted here the detailed description to known method.In the above-described embodiments, several tools have been described and illustrated
The step of body, is as example.But the present processes process is not limited to described and illustrated specific steps, this field
Technical staff can be variously modified, modification and addition after understanding spirit herein, or suitable between changing the step
Sequence.
The above, the only specific embodiment of the application, it is apparent to those skilled in the art that,
For convenience of description and succinctly, the system, module of foregoing description and the specific work process of unit can refer to preceding method
Corresponding process in embodiment, details are not described herein.It should be understood that the protection scope of the application is not limited thereto, it is any to be familiar with
Those skilled in the art within the technical scope of the present application, can readily occur in various equivalent modifications or substitutions,
These modifications or substitutions should all cover within the scope of protection of this application.
Claims (9)
1. a kind of transfer account method of stored value card, which is characterized in that the stored value card is connected with server, the stored value card
Including HD wallet and cloud wallet, the server includes cold wallet, hot money packet and centralization database；
The described method includes:
Receive the first input of the first user, wherein first input indicates to need from associated with first user
HD wallet is transferred to the amount of money of the digital cash in the cold wallet associated with first user；
In response to first input, the digital cash in the HD wallet associated with first user is transferred to
To the cold wallet associated with first user；
The digital cash in the cold wallet associated with first user is at least partly transferred to and described first
The associated hot money packet of user.
Receive the second input of the first user, wherein second input indicates that first user needs to turn to second user
The amount of money of the digital cash of account；
In response to second input, in the centralization database, increase the gold in the remaining sum of the second user
Volume reduces the amount of money in the remaining sum of first user.
Receive the third input of the first user, wherein the third input indicates to need from associated with first user
Hot money packet is transferred to the amount of money of the digital cash in HD wallet associated with first user；
In response to the third input, by the digital cash in hot money packet associated with first user be transferred to
The associated HD wallet of first user.
The cloud wallet has unique account name and password corresponding with the unique account name.
The entitled cell-phone number of unique account.
The HD wallet has unique identifier.
2. a kind of transfer device of stored value card, which is characterized in that
The stored value card is connected with server, and the stored value card includes HD wallet and cloud wallet, and the server includes cold
Wallet, hot money packet and centralization database；
Described device includes:
First receiving module, for receive the first user first input, wherein it is described first input indicate need from it is described
The associated HD wallet of first user is transferred to the gold of the digital cash in the cold wallet associated with first user
Volume；
First transfers accounts module, will be in the HD wallet associated with first user in response to first input
The digital cash be transferred to the cold wallet associated with first user；
Second transfers accounts module, for by the digital cash at least portion in the cold wallet associated with first user
Divide and is transferred to the hot money packet associated with first user.
3. the apparatus of claim 2, which is characterized in that further include:
Second receiving module, for receiving the second input of the first user, wherein second input indicates first user
The amount of money for the digital cash for needing to transfer accounts to second user；
Third is transferred accounts module, in response to second input, in the centralization database, in the second user
Increase the amount of money in remaining sum, reduces the amount of money in the remaining sum of first user.
4. device according to claim 2 or 3, which is characterized in that further include:
Third receiving module, the third for receiving the first user input, wherein third input indicate to need from it is described
The associated hot money packet of first user is transferred to the amount of money of the digital cash in HD wallet associated with first user；
4th transfers accounts module, for inputting in response to the third, by the institute in hot money packet associated with first user
It states digital cash and is transferred to HD wallet associated with first user.
5. device according to claim 7, which is characterized in that the cloud wallet have unique account name and with it is described unique
The corresponding password of account name.
6. device according to claim 10, which is characterized in that unique entitled cell-phone number of account.
7. device according to claim 7, which is characterized in that the HD wallet has unique identifier.
8. a kind of equipment, which is characterized in that the equipment includes:
Memory, for storing executable program code；
One or more processors require 1 for reading the executable program code stored in the memory with perform claim
The transfer account method of the stored value card.
9. a kind of computer readable storage medium, which is characterized in that the computer readable storage medium includes instruction, when described
When instruction is run on computers, so that the transfer account method of stored value card described in computer perform claim requirement 1.
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| CN201811179510.4A CN109544127A (en) | 2018-10-10 | 2018-10-10 | Transfer account method, device and the equipment of stored value card |
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| CN201811179510.4A CN109544127A (en) | 2018-10-10 | 2018-10-10 | Transfer account method, device and the equipment of stored value card |
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Application publication date: 20190329 |