CN114358758A - Recharging method for digital currency hardware wallet and related equipment - Google Patents
Recharging method for digital currency hardware wallet and related equipment Download PDFInfo
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Abstract
The invention provides a recharging method of a digital currency hardware wallet and related equipment, wherein when terminal equipment receives a recharging request, information reading operation is executed, and read wallet information and bank card information are verified; under the condition that the wallet information and the bank card information are verified, determining a recharging upper limit value and outputting first prompt information, wherein the first prompt information is used for indicating a user to input recharging amount; sending a recharging instruction to the back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to give out the amount matched with the recharging amount information in the account of the bank card; and when detecting that the account to which the bank card belongs is successfully redeemed, initiating earmark to the digital currency hardware wallet according to the recharging amount information. The digital currency hardware wallet can be charged quickly, the convenience of user operation is improved, and the user experience is improved.
Description
Technical Field
The invention relates to the technical field of data processing, in particular to a recharging method of a digital currency hardware wallet and related equipment.
Background
In the digital economy era, rapid development and rapid evolution of science and technology promote deep changes of social economy and industrial modes. Especially in the Internet industry and field, the innovation value and competitiveness brought by the technical driving force continuously and rapidly urge the generation of various innovation product forms and service capacities. A new round of technological innovation and technology upgrade is comprehensively spread, and the industrial change is deeply influenced. Digital currency purses are increasingly affecting various aspects of people's daily life during the course of electronic or digital currency circulation.
In the prior art, in the process of recharging a digital money wallet, a software wallet relying on digital money usually recharges a digital money hardware wallet, and in some application scenarios, for example, in the case that a mobile phone installed with the software wallet cannot be used, the digital money hardware wallet cannot be recharged.
Disclosure of Invention
The technical problem to be solved by the invention is to provide a recharging method for a digital currency hardware wallet, which can recharge the digital currency hardware wallet under the condition that a user cannot use a software mother wallet.
The invention also provides a recharging device of the digital currency hardware wallet, which is used for ensuring the realization and the application of the method in practice.
According to a first aspect of the embodiments of the present invention, there is provided a recharging method for a hardware wallet of digital money, applied to a terminal device, including:
when a recharging request of a user is received, executing an information reading operation, wherein the information reading operation is used for reading wallet information of a digital currency hardware wallet to be recharged and bank card information of a bank card to be deducted;
verifying the read wallet information and the read bank card information;
under the condition that the wallet information and the bank card information are verified, determining a recharging upper limit value and outputting first prompt information, wherein the first prompt information is used for indicating a user to input recharging amount;
sending a recharging instruction aiming at the digital currency hardware wallet to a preset back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to bill out an amount matched with the recharging amount information in an account of the bank card;
and initiating earmark to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out so as to recharge the digital currency hardware wallet.
Optionally, the above method, after initiating a load to the digital currency hardware wallet according to the recharge amount information, further includes:
and detecting whether the earmark of the digital currency hardware wallet is successful within a preset time period, if the earmark is not successful within the preset time period, sending a correction request aiming at the bank card to the back-end system, and enabling the back-end system to return a paid amount to an account of the bank card.
Optionally, the method for performing information reading operation includes:
outputting second prompt information, wherein the second prompt information is used for prompting the user to place the digital currency hardware wallet to be recharged into a wallet identification area of the terminal equipment;
reading wallet information from the wallet identifying area;
after the wallet information of the digital currency hardware wallet to be recharged is read successfully, outputting third prompt information;
the third prompt message is used for prompting the user to put the bank card to be deducted into the bank card identification area of the terminal equipment;
and reading the information of the bank card in the bank card identification area.
In the foregoing method, optionally, after verifying the read wallet information, the method further includes:
under the condition that the wallet information is verified, sending a synchronization instruction to the digital currency hardware wallet to acquire to-be-synchronized information of the digital currency hardware wallet; the information to be synchronized comprises offline transaction times, transaction amount, transaction details and balance certificates;
initializing the off-line transaction times recorded in the digital currency hardware wallet, sending the transaction detail and the balance certificate to a back-end system, verifying the transaction detail and the balance certificate by the back-end system, and performing entry processing under the condition that the transaction detail and the balance certificate are verified.
Optionally, the determining the top-up value includes:
acquiring a preset first recharging upper limit value, a preset second recharging upper limit value and a preset third recharging upper limit value; the first recharging upper limit value is determined according to a preset wallet deposit upper limit value and the current balance of the digital currency hardware wallet; the second recharging upper limit value is the current surplus withdrawal limit of the bank card; the third recharging upper limit value is determined based on a preset cash-fetching rule;
and determining the minimum value of the first recharging upper limit value, the second recharging upper limit value and the third recharging upper limit value as a recharging upper limit value.
According to a second aspect of the embodiments of the present invention, there is provided a recharging method for a digital currency hardware wallet, applied to a backend system, the method including:
when a recharging instruction aiming at a digital currency hardware wallet sent by a preset terminal device is received, bank card information, wallet information and recharging amount information contained in the recharging instruction are obtained;
determining the type of the bank card to which the bank card information belongs;
determining an account cashing mode of the bank card according to the wallet information and the type of the bank card;
based on the account cashing mode, cashing out an amount matched with the recharging amount information in the account of the bank card;
and sending a successful cashing message of the account to which the bank card belongs to the terminal equipment, so that the terminal equipment initiates earmark to the digital currency hardware wallet according to the recharging amount information to recharge the digital currency hardware wallet.
According to a third aspect of the embodiments of the present invention, there is provided a recharging apparatus for a hardware wallet of digital money, applied to a terminal device, the apparatus comprising:
a receiving unit for performing an information reading operation for reading wallet information of a digital money hardware wallet to be recharged and bank card information of a bank card to be deducted, when a recharge request of a user is received;
the reading unit is used for verifying the read wallet information and the read bank card information;
the determining unit is used for determining a recharging upper limit value and outputting first prompt information under the condition that the wallet information and the bank card information are verified, wherein the first prompt information is used for indicating a user to input recharging amount;
the sending unit is used for sending a recharging instruction aiming at the digital currency hardware wallet to a preset back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to give out an amount matched with the recharging amount information in an account of the bank card;
and the recharging unit is used for initiating earmark to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out so as to recharge the digital currency hardware wallet.
According to a fourth aspect of the embodiments of the present invention, there is provided a recharging device for a hardware wallet of digital money, which is applied to a backend system, the device comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring bank card information, wallet information and recharge amount information contained in a recharge instruction when the recharge instruction aiming at a digital currency hardware wallet sent by a preset terminal device is received;
the first determining unit is used for determining the type of the bank card to which the bank card information belongs;
the second determination unit is used for determining the account cashing mode of the bank card according to the wallet information and the type of the bank card;
the first execution unit is used for cashing out the amount matched with the recharging amount information in the account of the bank card based on the account cashing mode;
and the second execution unit is used for sending a successful cashing message of the account to which the bank card belongs to the terminal equipment, so that the terminal equipment initiates earmark to the digital currency hardware wallet according to the recharging amount information to recharge the digital currency hardware wallet.
According to a fifth aspect of embodiments of the present invention, there is provided a storage medium, the storage medium comprising stored instructions, wherein the instructions, when executed, control a device on which the storage medium is located to perform the method for recharging a digital money hardware wallet as provided in the first or second aspect.
An electronic apparatus comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to perform, by one or more processors, a method of recharging a digital currency hardware wallet as provided in the first or second aspects above.
Compared with the prior art, the invention has the following advantages:
the invention provides a recharging method and a recharging device for a digital currency hardware wallet, a storage medium and electronic equipment, wherein when terminal equipment receives a recharging request of a user, information reading operation is executed, and the information reading operation is used for reading wallet information of the digital currency hardware wallet to be recharged and bank card information of a bank card to be deducted; verifying the read wallet information and bank card information; under the condition that the wallet information and the bank card information are verified, determining a recharging upper limit value and outputting first prompt information, wherein the first prompt information is used for indicating a user to input recharging amount; under the condition that the recharging amount information input by a user is received and is not larger than the recharging upper limit value, a recharging instruction for the digital currency hardware wallet is sent to a preset back-end system based on the recharging amount information, and the recharging instruction is used for indicating the back-end system to give out an amount matched with the recharging amount information in an account of a bank card; and when detecting that the account to which the bank card belongs is successfully paid out, initiating earmark to the digital currency hardware wallet according to the recharging amount information so as to recharge the digital currency hardware wallet. By applying the method provided by the embodiment of the invention, the digital currency hardware wallet can be charged under the condition that the user can not use the software mother wallet. The operation convenience of the user is improved, and the user experience is improved.
Drawings
In order to more clearly illustrate the embodiments of the present invention or the technical solutions in the prior art, the drawings used in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only embodiments of the present invention, and for those skilled in the art, other drawings can be obtained according to the provided drawings without creative efforts.
FIG. 1 is a flow chart of a method for recharging a digital currency hardware wallet provided by the present invention;
FIG. 2 is a flow chart of a process for cross-border recharging of a digital currency wallet provided by the present invention;
FIG. 3 is a flow chart of a method for recharging a digital currency hardware wallet in accordance with the present invention;
FIG. 4 is a schematic diagram of a back-end system recharge process provided by the present invention;
FIG. 5 is a schematic diagram of a recharging device for a hardware wallet of digital currency according to the present invention;
FIG. 6 is a schematic diagram of a recharging device for a digital currency hardware wallet of the present invention;
fig. 7 is a schematic structural diagram of an electronic device provided in the present invention.
Detailed Description
The technical solutions in the embodiments of the present invention will be clearly and completely described below with reference to the drawings in the embodiments of the present invention, and it is obvious that the described embodiments are only a part of the embodiments of the present invention, and not all of the embodiments. All other embodiments, which can be derived by a person skilled in the art from the embodiments given herein without making any creative effort, shall fall within the protection scope of the present invention.
In this application, the terms "comprises," "comprising," or any other variation 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 may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
The embodiment of the invention provides a recharging method for a digital currency hardware wallet, which can be applied to terminal equipment, wherein the terminal equipment can be a self-service terminal of a bank, the terminal equipment can be provided with a first component and a second component, the first component is used for reading wallet information of the digital currency hardware wallet, the second component is used for reading bank card information of a bank card, and a flow chart of the method is shown in figure 1 and specifically comprises the following steps:
s101: when a recharging request of a user is received, executing an information reading operation, wherein the information reading operation is used for reading wallet information of a digital currency hardware wallet to be recharged and bank card information of a bank card to be deducted;
in this embodiment, the digital currency hardware wallet has a security element chip and a unique identifier; the bank card may be various types of bank cards, and the currency stored in the account of the bank card may be the same as or different from the currency stored in the digital currency hardware wallet. The issuing system of the bank card may be the same as or different from the issuing system of the digital currency hardware wallet.
S102: and verifying the read wallet information and the read bank card information.
In this embodiment, the wallet information may include a unique identifier of the wallet, the bank card information may include account information of the bank card, and verification of the wallet information and the bank card information is completed by verifying the wallet information and the bank card information, and specifically, a password of a digital currency hardware wallet and a password of the bank card input by a user may be obtained, the wallet information is verified by the password of the digital currency hardware wallet, and the bank card information is verified by the password of the bank card.
Optionally, the wallet information and the password of the digital currency hardware wallet input by the user may be encrypted through a preset encryption algorithm to obtain a first verification message; sending the first verification message to a back-end system, and verifying the wallet information by the back-end system based on the password of the digital money wallet; encrypting the information of the bank card and the password of the bank card through a preset encryption algorithm to obtain a second verification message; and sending the second verification message to a back-end system, and verifying the bank card by the back-end system based on the bank card password. And the terminal equipment determines whether the wallet information passes the verification according to the verification result of the digital currency hardware wallet fed back by the back-end system, and determines whether the bank card information passes the verification according to the verification result of the bank card fed back by the back-end system. The encryption algorithm may be various types of encryption algorithms, and may be, for example, an ANSI9.9 encryption algorithm.
S103: and under the condition that the wallet information and the bank card information are verified, determining a recharging upper limit value and outputting first prompt information, wherein the first prompt information is used for indicating a user to input recharging amount.
In this embodiment, after the top-limit value is determined, first prompt information may be generated according to the top-limit value, and the first prompt information is output, and specifically, the first prompt information may be displayed on a preset display interface, so as to prompt a user of the maximum top-limit amount that can be input.
S104: and sending a recharging instruction aiming at the digital currency hardware wallet to a preset back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to bill out the amount matched with the recharging amount information in the account of the bank card.
In this embodiment, the back-end system may be an issuing system of a digital currency hardware wallet, or may be an issuing system of a bank card.
The method comprises the steps of generating a recharging instruction according to wallet information, bank card information and recharging amount information of a digital currency hardware wallet, sending the recharging instruction to a back-end system, and cashing out an amount matched with the recharging amount information in an account of the bank card by the back-end system.
S105: and initiating earmark to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out so as to recharge the digital currency hardware wallet.
In this embodiment, after receiving the cash out success message sent by the backend system, it is determined that the cash out of the account to which the bank card belongs is successful, in this case, a load may be initiated to the digital money hardware wallet according to the recharge amount information, that is, the digital money of the amount corresponding to the recharge amount information is deposited into the digital money wallet, and the digital money may be various types of money, for example, digital renminbi.
By applying the method provided by the embodiment of the invention, the digital currency hardware wallet can be charged under the condition that the user can not use the software mother wallet. The operation convenience of the user is improved, and the user experience is improved.
In the method provided in the embodiment of the present invention, based on the implementation process of the above scheme, optionally, after initiating a load to the digital currency hardware wallet according to the recharge amount information, the method further includes:
and detecting whether the earmark of the digital currency hardware wallet is successful within a preset time period, if the earmark is not successful within the preset time period, sending a correction request aiming at the bank card to the back-end system, and enabling the back-end system to return a paid amount to an account of the bank card.
In this embodiment, if the digital currency hardware wallet fails to be recharged or is recharged overtime, it may be determined that the transaction flow generated by the cashing of the account of the bank card is performed for the processing, and the fund is returned to the account of the bank card, so that the fund posting may be avoided, and the transaction consistency is ensured.
In the method provided in the embodiment of the present invention, based on the implementation process of the foregoing scheme, optionally, the executing information reading operation may include:
outputting second prompt information, wherein the second prompt information is used for prompting the user to place the digital currency hardware wallet to be recharged into a wallet identification area of the terminal equipment;
reading wallet information from the wallet identifying area;
after the wallet information of the digital currency hardware wallet to be recharged is read successfully, outputting third prompt information;
the third prompt message is used for prompting the user to put the bank card to be deducted into the bank card identification area of the terminal equipment;
and reading the information of the bank card in the bank card identification area.
In this embodiment, the wallet identifying area may be a valid identifying area of the first component of the terminal device, and the user places the digital money hardware wallet into the wallet identifying area, so that the first component of the terminal device can read information of the digital money hardware wallet.
The bank card identification area can be an effective identification area of the second component of the terminal device, and a user can put the bank card into the bank card for identification and differentiation, so that the second component of the terminal device can read information of the bank card.
In the method provided in the embodiment of the present invention, based on the implementation process of the above scheme, optionally, after verifying the read wallet information, the method further includes:
under the condition that the wallet information is verified, sending a synchronization instruction to the digital currency hardware wallet to acquire to-be-synchronized information of the digital currency hardware wallet; the information to be synchronized comprises offline transaction times, transaction amount, transaction details and balance certificates;
initializing the off-line transaction times recorded in the digital currency hardware wallet, sending the transaction detail and the balance certificate to a back-end system, verifying the transaction detail and the balance certificate by the back-end system, and performing entry processing under the condition that the transaction detail and the balance certificate are verified.
In this embodiment, initializing the off-line transaction times recorded in the digital money hardware wallet may be to set the off-line transaction times recorded in the digital money hardware wallet to zero, and the back-end system may record the transaction details of the digital money hardware wallet after verifying the transaction details and the balance certificate, and may update the balance of the account of the digital money hardware wallet based on the balance certificate to complete the entry, and may send an alarm message if the verification fails.
In the method provided in the embodiment of the present invention, based on the implementation process of the above scheme, optionally, the determining the top-up value includes:
acquiring a preset first recharging upper limit value, a preset second recharging upper limit value and a preset third recharging upper limit value; the first recharging upper limit value is determined according to a preset wallet deposit upper limit value and the current balance of the digital currency hardware wallet; the second recharging upper limit value is the current surplus withdrawal limit of the bank card; the third recharging upper limit value is determined based on a preset cash-fetching rule;
and determining the minimum value of the first recharging upper limit value, the second recharging upper limit value and the third recharging upper limit value as a recharging upper limit value.
In this embodiment, the first top-up value is the wallet deposit top-value-the current balance of the digital money hardware wallet.
The second top-up value can be the accumulated cashable amount of the bank card in the whole channel.
The cash-withdrawal rule can be set by the actual requirement of a technician, for example, 3000 yuan RMB can be set.
In some embodiments, the digital money stored in the digital money hardware wallet may be digital rmb, the bank card may be a savings card or a credit card issued by international card organization such as unionpay international, in some application scenarios, for example, in a cross-border scenario, an issuing system of the digital money hardware wallet is assigned to a first area, an issuing system of the bank card is assigned to a second area, and a user may recharge the digital money hardware wallet with the bank card based on a terminal device, as shown in fig. 2, for a flowchart of a process of cross-border recharging of the digital money wallet provided by the embodiments of the present invention, first, the user may click a "recharge" button on the terminal device to trigger a recharge request to the terminal device; the terminal equipment prompts a user to put a digital currency hardware wallet; the terminal equipment reads the hardware wallet information; if the reading fails, prompting that the hardware wallet fails to read and quits, if the reading succeeds, determining personal hardware wallet information, prompting that a bank card is inserted, and prompting a user to input a bank card password after reading bank card information of the bank card; then the terminal device checks the password of the bank card input by the user, if the password is rejected, the wrong information prompt of the rejection code is generated, if the password is successful, the user is prompted to input the recharge amount, after the recharging information of the user is determined, prompting that the user is recharging and does not take away the wallet, executing the withdrawing operation of the bank card and the recharging of the soft wallet, after the bank card is withdrawn and the soft wallet is successfully charged, the charging initialization operation of the digital currency hardware wallet is executed and the digital currency hardware wallet is charged, after the hardware wallet is charged, the user is prompted to be charged successfully, if the bank card is withdrawn and/or the soft wallet is charged unsuccessfully, a refused code error information prompt is generated, and (4) the bank card is withdrawn and corrected, an error receipt is printed, if the bank card is withdrawn overtime, a code error rejection information prompt is generated, and the error receipt is printed.
The terminal equipment provided by the embodiment of the invention can respond to the recharging request of a user and acquire and verify the relevant authentication information of the digital RMB hardware wallet; protecting the data message by using an ANSI9.9 encryption algorithm, and verifying the encryption of the digital RMB hardware wallet and the overseas bank card; after the authentication information passes verification, judging the off-line transaction times of the wallet, and automatically initiating a synchronization instruction; acquiring the information of the user digital RMB wallet and the bank card corresponding to the selected recharging mode, and displaying the rechargeable amount of the digital RMB hardware wallet to the user; according to the input of the user, a recharging instruction of the soft wallet is initiated to the back-end system, and the soft wallet is automatically eared; if the amount input by the user exceeds the limit, the transaction is refused; the overseas bank card directly exchanges the digital RMB out of the digital RMB wallet in a cash-out mode and carries out international reimbursement declaration according to the international reimbursement declaration requirement; when the recharging is abnormal, the transaction assembly line meeting the preset conditions is subjected to correction processing through a real-time automatic correction mechanism according to the global event tracking identification, and the fund is returned to the original overseas bank card.
The method provided by the embodiment of the invention can meet the recharging requirements of the digital currency hardware wallet of overseas people and support the recharging of the overseas bank card; the method has the advantages of improving operation convenience, improving user experience, considering abnormal situations, having good adaptability and being beneficial to popularization and use of the digital currency in cross-border consumption scenes.
The embodiment of the present invention provides another recharging method for a digital currency hardware wallet, which may be applied to a backend system, and a flow chart of the method is shown in fig. 3, and may include:
s301: when a recharging instruction aiming at a digital currency hardware wallet sent by a preset terminal device is received, bank card information, wallet information and recharging amount information contained in the recharging instruction are obtained.
In this embodiment, the wallet information may include a unique identification of the digital currency hardware wallet.
S302: and determining the type of the bank card to which the bank card information belongs.
In this embodiment, the bank card types may include a first type and a second type, the first type indicates that the issuing system of the bank card is an international union banking system, and the second type indicates that the issuing system of the bank card is an international card organization system, such as Visa or MasterCard for MasterCard.
S303: and determining an account cashing mode of the bank card according to the wallet information and the type of the bank card.
In this embodiment, there are various cashing manners, for example, a unionpay international system may be connected to cash out the deposit in the bank card into the wallet account to which the wallet information belongs; it can also connect to international card organization system to exchange the deposit in bank card to the account of wallet.
S304: and paying out the amount matched with the recharging amount information in the account of the bank card based on the account cashing mode.
S305: and sending a successful cashing message of the account to which the bank card belongs to the terminal equipment, so that the terminal equipment initiates earmark to the digital currency hardware wallet according to the recharging amount information to recharge the digital currency hardware wallet.
In this embodiment, after the successful cashing message of the account to which the bank card belongs is sent to the terminal device, if the loading failure information fed back by the terminal device is received, the fund cashed by the bank card can be returned to the bank card account from the wallet account.
By applying the method provided by the embodiment of the invention, the digital currency hardware wallet can be charged under the condition that the user can not use the software mother wallet. The operation convenience of the user is improved, and the user experience is improved.
Referring to fig. 4, a schematic diagram of a top-up process of a back-end system according to an embodiment of the present invention is provided, where the back-end system may include an electronic banking system N-ELP, a DEAP new electronic payment instrument application component, a degt new electronic payment wallet component, and the like. The terminal equipment is accessed to a client self-service channel CCSSC, and an N-ELP is called to realize the cashing-out function. The N-ELP recognizes the hardware wallet identity and invokes the TSM to validate the MAC, and then invokes the redemption transaction of the DEAP component. The DEAP is used for cashing out the Unionpay international card, the Unionpay international card is connected through the dragon net, the international card organization is connected to the external card through the wide-open external card bill collection, and finally the DEWT account-entering wallet is called.
Corresponding to the method described in fig. 1, an embodiment of the present invention further provides a recharging apparatus for a digital currency hardware wallet, which is used for implementing the method in fig. 1 specifically, and the recharging apparatus for a digital currency hardware wallet provided in an embodiment of the present invention may be applied to an electronic device, and a schematic structural diagram of the recharging apparatus is shown in fig. 5, and specifically includes:
a receiving unit 501 for performing an information reading operation for reading wallet information of a digital money hardware wallet to be recharged and bank card information of a bank card to be deducted, when a recharge request of a user is received;
a reading unit 502, configured to verify the read wallet information and the read bank card information;
a determining unit 503, configured to determine a top-up value and output first prompt information when the wallet information and the bank card information are verified, where the first prompt information is used to instruct a user to input a top-up amount;
a sending unit 504, configured to send a recharge instruction for the digital currency hardware wallet to a preset backend system based on the recharge amount information when the recharge amount information input by the user is received and the recharge amount information is not greater than the recharge upper limit value, where the recharge instruction is used to instruct the backend system to cash out an amount, which is matched with the recharge amount information, in an account of the bank card;
and a recharging unit 505, configured to initiate earmarking to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out, so as to recharge the digital currency hardware wallet.
In an embodiment of the present invention, based on the above scheme, optionally, the recharging device for the digital currency hardware wallet further includes:
the detection unit is used for detecting whether the digital currency hardware wallet is successfully credited within a preset time period or not, and if the digital currency hardware wallet is not successfully credited within the preset time period, sending a correction request aiming at the bank card to the back-end system so that the back-end system returns a paid-out amount to an account of the bank card.
In an embodiment provided by the present invention, based on the above scheme, optionally, the receiving unit 501 includes:
the first output subunit is used for outputting second prompt information, and the second prompt information is used for prompting the user to place the digital currency hardware wallet to be recharged into a wallet identification area of the terminal equipment;
a first reading subunit configured to read wallet information from the wallet identifying area;
the second output subunit is used for outputting third prompt information after successfully reading the wallet information of the digital currency hardware wallet to be recharged; the third prompt message is used for prompting the user to put the bank card to be deducted into the bank card identification area of the terminal equipment;
and the second reading subunit is used for reading the information of the bank card in the bank card identification area.
In an embodiment of the present invention, based on the above scheme, optionally, the recharging device for the digital currency hardware wallet further includes:
a synchronization unit, configured to send a synchronization instruction to the digital currency hardware wallet to acquire information to be synchronized of the digital currency hardware wallet if the wallet information is verified; the information to be synchronized comprises offline transaction times, transaction amount, transaction details and balance certificates;
and the execution unit is used for initializing the off-line transaction times recorded in the digital currency hardware wallet, sending the transaction detail and the balance certificate to a back-end system, verifying the transaction detail and the balance certificate by the back-end system, and performing account entry processing under the condition that the transaction detail and the balance certificate are verified.
In an embodiment provided by the present invention, based on the above scheme, optionally, the determining unit 503 includes:
the obtaining subunit is used for obtaining a preset first recharging upper limit value, a preset second recharging upper limit value and a preset third recharging upper limit value; the first recharging upper limit value is determined according to a preset wallet deposit upper limit value and the current balance of the digital currency hardware wallet; the second recharging upper limit value is the current surplus withdrawal limit of the bank card; the third recharging upper limit value is determined based on a preset cash-fetching rule;
and the determining subunit is used for determining the minimum value of the first recharging upper limit value, the second recharging upper limit value and the third recharging upper limit value as the recharging upper limit value.
The specific principle and the implementation process of each unit and module in the recharging device for the digital money hardware wallet disclosed in the embodiment of the present invention are the same as the recharging method for the digital money hardware wallet disclosed in the embodiment of fig. 1 of the present invention, and reference may be made to corresponding parts in the recharging method for the digital money hardware wallet provided in the embodiment of fig. 1 of the present invention, which are not described herein again.
Corresponding to the method described in fig. 3, another recharging device for a digital money hardware wallet is provided in the embodiment of the present invention, which is used for implementing the method in fig. 3 specifically, the recharging device for a digital money hardware wallet provided in the embodiment of the present invention can be applied in a backend system, and a schematic structural diagram of the recharging device is shown in fig. 6, and specifically includes:
an obtaining unit 601, configured to obtain, when a recharge instruction for a digital currency hardware wallet sent by a preset terminal device is received, bank card information, wallet information, and recharge amount information included in the recharge instruction;
a first determining unit 602, configured to determine a type of a bank card to which the bank card information belongs;
a second determining unit 603, configured to determine an account cashing manner of the bank card according to the wallet information and the type of the bank card;
a first executing unit 604, configured to redeem an amount, which is matched with the recharge amount information, in the account of the bank card based on the account cashing manner;
a second executing unit 605, configured to send a cash out success message of the account to which the bank card belongs to the terminal device, so that the terminal device initiates a load to the digital currency hardware wallet according to the recharge amount information, so as to recharge the digital currency hardware wallet.
The specific principle and the implementation process of each unit and module in the recharging device for the digital money hardware wallet disclosed in the embodiment of the present invention are the same as the recharging method for the digital money hardware wallet disclosed in the embodiment of fig. 3 of the present invention, and reference may be made to the corresponding parts in the recharging method for the digital money hardware wallet provided in the embodiment of fig. 3 of the present invention, which are not described herein again.
An embodiment of the present invention further provides a storage medium, where the storage medium includes stored instructions, where when the instructions are executed, a device where the storage medium is located is controlled to execute the recharging method for the digital currency hardware wallet provided in the embodiment of fig. 1 or the embodiment of fig. 3.
An electronic device is provided in an embodiment of the present invention, and its structural diagram is shown in fig. 7, which specifically includes a memory 701 and one or more instructions 702, where the one or more instructions 702 are stored in the memory 701 and configured to be executed by one or more processors 703 to perform the one or more instructions 702 into a first operation or a second operation:
the first operation, comprising:
when a recharging request of a user is received, executing an information reading operation, wherein the information reading operation is used for reading wallet information of a digital currency hardware wallet to be recharged and bank card information of a bank card to be deducted;
verifying the read wallet information and the read bank card information;
under the condition that the wallet information and the bank card information are verified, determining a recharging upper limit value and outputting first prompt information, wherein the first prompt information is used for indicating a user to input recharging amount;
sending a recharging instruction aiming at the digital currency hardware wallet to a preset back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to bill out an amount matched with the recharging amount information in an account of the bank card;
and initiating earmark to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out so as to recharge the digital currency hardware wallet.
The second operation, comprising:
when a recharging instruction aiming at a digital currency hardware wallet sent by a preset terminal device is received, bank card information, wallet information and recharging amount information contained in the recharging instruction are obtained;
determining the type of the bank card to which the bank card information belongs;
determining an account cashing mode of the bank card according to the wallet information and the type of the bank card;
based on the account cashing mode, cashing out an amount matched with the recharging amount information in the account of the bank card;
and sending a successful cashing message of the account to which the bank card belongs to the terminal equipment, so that the terminal equipment initiates earmark to the digital currency hardware wallet according to the recharging amount information to recharge the digital currency hardware wallet.
It should be noted that, in the present specification, the embodiments are all described in a progressive manner, each embodiment focuses on differences from other embodiments, and the same and similar parts among the embodiments may be referred to each other. For the device-like embodiment, since it is basically similar to the method embodiment, the description is simple, and for the relevant points, reference may be made to the partial description of the method embodiment.
Finally, it should also be noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation 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 may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising an … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.
For convenience of description, the above devices are described as being divided into various units by function, and are described separately. Of course, the functions of the units may be implemented in the same software and/or hardware or in a plurality of software and/or hardware when implementing the invention.
From the above description of the embodiments, it is clear to those skilled in the art that the present invention can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the present invention may be embodied in the form of a software product, which may be stored in a storage medium, such as ROM/RAM, magnetic disk, optical disk, etc., and includes instructions for causing a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the method according to the embodiments or some parts of the embodiments.
The recharging method for the hardware wallet of the digital currency provided by the invention is described in detail, a specific example is applied in the text to explain the principle and the implementation mode of the invention, and the description of the embodiment is only used for helping to understand the method and the core idea of the invention; meanwhile, for a person skilled in the art, according to the idea of the present invention, there may be variations in the specific embodiments and the application scope, and in summary, the content of the present specification should not be construed as a limitation to the present invention.
Claims (10)
1. A recharging method of a digital currency hardware wallet is applied to a terminal device, and the method comprises the following steps:
when a recharging request of a user is received, executing an information reading operation, wherein the information reading operation is used for reading wallet information of a digital currency hardware wallet to be recharged and bank card information of a bank card to be deducted;
verifying the read wallet information and the read bank card information;
under the condition that the wallet information and the bank card information are verified, determining a recharging upper limit value and outputting first prompt information, wherein the first prompt information is used for indicating a user to input recharging amount;
sending a recharging instruction aiming at the digital currency hardware wallet to a preset back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to bill out an amount matched with the recharging amount information in an account of the bank card;
and initiating earmark to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out so as to recharge the digital currency hardware wallet.
2. The method of claim 1, wherein after initiating a load to the digital currency hardware wallet based on the load amount information, further comprising:
and detecting whether the earmark of the digital currency hardware wallet is successful within a preset time period, if the earmark is not successful within the preset time period, sending a correction request aiming at the bank card to the back-end system, and enabling the back-end system to return a paid amount to an account of the bank card.
3. The method of claim 1, wherein the performing an information read operation comprises:
outputting second prompt information, wherein the second prompt information is used for prompting the user to place the digital currency hardware wallet to be recharged into a wallet identification area of the terminal equipment;
reading wallet information from the wallet identifying area;
after the wallet information of the digital currency hardware wallet to be recharged is read successfully, outputting third prompt information;
the third prompt message is used for prompting the user to put the bank card to be deducted into the bank card identification area of the terminal equipment;
and reading the information of the bank card in the bank card identification area.
4. The method according to claim 1, wherein after verifying the read wallet information, further comprising:
under the condition that the wallet information is verified, sending a synchronization instruction to the digital currency hardware wallet to acquire to-be-synchronized information of the digital currency hardware wallet; the information to be synchronized comprises offline transaction times, transaction amount, transaction details and balance certificates;
initializing the off-line transaction times recorded in the digital currency hardware wallet, sending the transaction detail and the balance certificate to a back-end system, verifying the transaction detail and the balance certificate by the back-end system, and performing entry processing under the condition that the transaction detail and the balance certificate are verified.
5. The method of claim 1, wherein determining a top-up value comprises:
acquiring a preset first recharging upper limit value, a preset second recharging upper limit value and a preset third recharging upper limit value; the first recharging upper limit value is determined according to a preset wallet deposit upper limit value and the current balance of the digital currency hardware wallet; the second recharging upper limit value is the current surplus withdrawal limit of the bank card; the third recharging upper limit value is determined based on a preset cash-fetching rule;
and determining the minimum value of the first recharging upper limit value, the second recharging upper limit value and the third recharging upper limit value as a recharging upper limit value.
6. A recharging method of a digital currency hardware wallet is applied to a back-end system, and the method comprises the following steps:
when a recharging instruction aiming at a digital currency hardware wallet sent by a preset terminal device is received, bank card information, wallet information and recharging amount information contained in the recharging instruction are obtained;
determining the type of the bank card to which the bank card information belongs;
determining an account cashing mode of the bank card according to the wallet information and the type of the bank card;
based on the account cashing mode, cashing out an amount matched with the recharging amount information in the account of the bank card;
and sending a successful cashing message of the account to which the bank card belongs to the terminal equipment, so that the terminal equipment initiates earmark to the digital currency hardware wallet according to the recharging amount information to recharge the digital currency hardware wallet.
7. A recharging device for a digital currency hardware wallet is applied to a terminal device, and the recharging device comprises:
a receiving unit for performing an information reading operation for reading wallet information of a digital money hardware wallet to be recharged and bank card information of a bank card to be deducted, when a recharge request of a user is received;
the reading unit is used for verifying the read wallet information and the read bank card information;
the determining unit is used for determining a recharging upper limit value and outputting first prompt information under the condition that the wallet information and the bank card information are verified, wherein the first prompt information is used for indicating a user to input recharging amount;
the sending unit is used for sending a recharging instruction aiming at the digital currency hardware wallet to a preset back-end system based on the recharging amount information under the condition that the recharging amount information input by the user is received and is not larger than the recharging upper limit value, wherein the recharging instruction is used for indicating the back-end system to give out an amount matched with the recharging amount information in an account of the bank card;
and the recharging unit is used for initiating earmark to the digital currency hardware wallet according to the recharging amount information when detecting that the account to which the bank card belongs is successfully paid out so as to recharge the digital currency hardware wallet.
8. A recharging device for a digital currency hardware wallet, the recharging device being adapted for use in a backend system, the recharging device comprising:
the system comprises an acquisition unit, a processing unit and a processing unit, wherein the acquisition unit is used for acquiring bank card information, wallet information and recharge amount information contained in a recharge instruction when the recharge instruction aiming at a digital currency hardware wallet sent by a preset terminal device is received;
the first determining unit is used for determining the type of the bank card to which the bank card information belongs;
the second determination unit is used for determining the account cashing mode of the bank card according to the wallet information and the type of the bank card;
the first execution unit is used for cashing out the amount matched with the recharging amount information in the account of the bank card based on the account cashing mode;
and the second execution unit is used for sending a successful cashing message of the account to which the bank card belongs to the terminal equipment, so that the terminal equipment initiates earmark to the digital currency hardware wallet according to the recharging amount information to recharge the digital currency hardware wallet.
9. A storage medium, characterized in that the storage medium comprises stored instructions, wherein when the instructions are executed, the storage medium is controlled to execute the recharging method of the digital currency hardware wallet according to any one of claims 1 to 5 or the recharging method of the digital currency hardware wallet according to claim 6.
10. An electronic device comprising a memory, and one or more instructions, wherein the one or more instructions are stored in the memory and configured to be executed by one or more processors to perform the method of recharging the digital money hardware wallet of any one of claims 1-5, or the method of recharging the digital money hardware wallet of claim 6.
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| CN202111676084.7A CN114358758A (en) | 2021-12-31 | 2021-12-31 | Recharging method for digital currency hardware wallet and related equipment |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2023241381A1 (en) * | 2022-06-17 | 2023-12-21 | 中国人民银行数字货币研究所 | Cross-border payment method and apparatus, and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| WO2023241381A1 (en) * | 2022-06-17 | 2023-12-21 | 中国人民银行数字货币研究所 | Cross-border payment method and apparatus, and device |
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