CN116258487A - Digital currency presenting system, method and device - Google Patents

Abstract

The invention discloses a digital currency presenting system, method and device, and relates to the technical field of digital currency. One embodiment of the system comprises: a hardware wallet application installed on a security chip of the user terminal, a terminal application installed on the user terminal, and a target operating mechanism associated with the hardware wallet application; the terminal application responds to the user input presenting command or monitors that the preset automatic presenting condition is met, generates presenting instructions carrying the presenting amount and sends the presenting instructions to the hardware wallet application; the hardware wallet application selects target digital currency from the currently stored digital currency and returns the target digital currency to the terminal application; the terminal application generates a cash-out request to be sent to the target operating mechanism to exchange or transfer digital currency with a cash-out amount by the target operating mechanism according to a cash-out path. The embodiment can realize the manual presentation and automatic presentation functions of the hardware wallet application, and simultaneously ensure the safety and the lightweight of the hardware wallet application.

Description

Digital currency presenting system, method and device

Technical Field

The invention relates to the technical field of digital currency, in particular to a digital currency presenting system, a digital currency presenting method and a digital currency presenting device.

Background

The digital RMB hardware wallet is based on a security chip, is used for storing information such as digital RMB encrypted coin strings, transaction records and the like, and is applied to various transaction modes. In an actual scenario, digital rmb in a hardware wallet application may need to be presented to a bank card or other wallet applications of the same user, and functions of manual presentation, automatic presentation and the like need to be implemented to meet requirements of users such as instant presentation, periodic automatic presentation, excess automatic presentation, automatic presentation of coping with abnormal transactions and the like, but the hardware wallet application based on a security chip has higher requirements on security and lightweight, so that a hardware wallet application presentation scheme capable of solving the requirements still does not exist at present.

Disclosure of Invention

In view of this, the embodiments of the present invention provide a digital currency presenting system, method and apparatus, which can implement the manual presenting and automatic presenting functions of a hardware wallet application, and simultaneously ensure the security and lightweight of the hardware wallet application.

To achieve the above object, according to one aspect of the present invention, there is provided a digital money presentation system.

The digital currency presenting system of the embodiment of the invention comprises: a hardware wallet application installed on a security chip of a user terminal, a terminal application installed on the user terminal, and a target operating mechanism associated with the hardware wallet application; the terminal application responds to a user input presentation command or detects that a preset automatic presentation condition is met, generates a presentation instruction carrying a presentation amount and sends the presentation instruction to the hardware wallet application; the hardware wallet application selects at least one target digital currency with the total amount not less than the withdrawal amount from the currently stored digital currencies and returns the selected target digital currency to the terminal application; the terminal application generates a cash-out request carrying the target digital currency, the cash-out amount and the cash-out path and sends the cash-out request to the target operation mechanism so that the digital currency with the cash-out amount is exchanged or transferred by the target operation mechanism according to the cash-out path.

Optionally, the cash-out command includes the cash-out amount and the cash-out path; when the terminal application generates a rendering instruction by monitoring an automatic rendering condition, the rendering amount and the rendering path in the rendering request are determined by an automatic rendering policy pre-configured in the terminal application.

Optionally, the presentation path includes: presenting a bank card account of the user and/or presenting another wallet application of the user different from the hardware wallet application; the automatic presentation conditions include at least one of: the current time point reaches a preset automatic lifting time point, the total amount of the digital currency currently stored by the hardware wallet application is larger than a preset first amount threshold, the abnormal transaction times of the hardware wallet application in a preset first time interval are larger than a preset times threshold, and the abnormal transaction total amount of the hardware wallet application in a preset second time interval is larger than a preset second amount threshold.

Optionally, the hardware wallet application, after receiving the rendering instruction: determining all the currently deposited digital currencies as the target digital currencies; or, determining at least one digital currency with the total amount not less than the present amount and the minimum total amount in the currently deposited digital currency as the target digital currency; alternatively, at least one digital currency in which the total amount of the currently deposited digital currencies is not less than the present amount and the total amount is closest to the present amount is determined as the target digital currency.

Optionally, the presenting path is: the method comprises the steps that under the condition that the user opens a bank card account of the target operation mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital currency is equal to the withdrawal amount, generating, by a management mechanism and based on the target digital currency, a digital currency which is the target operating mechanism and has an amount equal to the withdrawal amount for the owner to be stored locally and an amount equal to the withdrawal amount to be added to the bank card account; when the total amount of the target digital money is greater than the present amount: the target operation mechanism further generates differential digital currency to return to the terminal application through the management mechanism and based on the target digital currency; wherein the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount; and the terminal application sends the received differential digital currency to the hardware wallet application for storage.

Optionally, the system further comprises: another operating organization different from the target operating organization; and, at the presentation path: the user is presented with a bank card account opened at the other operating mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; generating, by a management authority and based on the target digital currency, a digital currency whose owner is the other operation authority and whose amount is equal to the withdrawal amount to be sent to the other operation authority when the total amount of the target digital currency is equal to the withdrawal amount; after receiving the digital currency, the other operation mechanism stores the digital currency locally and increases the amount equal to the withdrawal amount in the bank card account of the other operation mechanism opened by the user; when the total amount of the target digital money is greater than the present amount: the target operation mechanism further generates differential digital currency to return to the terminal application through the management mechanism and based on the target digital currency; wherein the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount; the terminal application sends the received differential digital currency to the hardware wallet application for storage.

Optionally, the presenting path is: mention is made of the user's case of another wallet application that is different from the hardware wallet application and associated with the target operating mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital currency is equal to the withdrawal amount, the target operating mechanism transfers the target digital currency to the other wallet application; when the total amount of the target digital money is greater than the present amount: the target operation mechanism generates an equal-amount digital currency of which the owner is the user and the sum is equal to the withdrawal amount and a difference digital currency of which the owner is the user and the sum is equal to the difference between the total sum of the target digital currencies and the withdrawal amount through a management mechanism and based on the target digital currency, transfers the equal-amount digital currency to the other wallet application, and returns the difference digital currency to the terminal application; the terminal application sends the received differential digital currency to the hardware wallet application for storage.

Optionally, the system further comprises: another operating organization different from the target operating organization; and, at the presentation path: mention is made of a further wallet application of the user, different from the hardware wallet application, and associated with a further operating mechanism different from the target operating mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital money is equal to the withdrawal amount, the target operating mechanism transmits the target digital money to the other operating mechanism; the further operating mechanism transferring the target digital currency to the further wallet application after receiving the target digital currency; when the total amount of the target digital money is greater than the present amount: the target operation mechanism generates an equal-amount digital currency of which the owner is the user and the sum is equal to the withdrawal amount and a difference digital currency of which the owner is the user and the sum is equal to the difference between the total sum of the target digital currencies and the withdrawal amount through a management mechanism and based on the target digital currency, sends the equal-amount digital currency to the other operation mechanism, and returns the difference digital currency to the terminal application; said further operating mechanism transferring said equal digital currency to said further wallet application after receiving said equal digital currency; the terminal application sends the differential digital currency to the hardware wallet application for deposit after receiving the differential digital currency.

Optionally, another wallet application of the user, different from the hardware wallet application, and associated with the target operating mechanism, comprises: a superior wallet of the hardware wallet application; before the digital currency is transmitted between the hardware wallet application and the target operation mechanism and before the target operation mechanism transmits the digital currency to the other operation mechanism, a sender generates a session key according to a preset rule to encrypt the digital currency to be sent, and a receiver generates the session key according to the rule to decrypt the received encrypted digital currency.

To achieve the above object, according to another aspect of the present invention, there is provided a digital money presenting method.

The digital currency presenting method of the embodiment of the invention is executed by a terminal application installed on a user terminal, wherein the user terminal is provided with a security chip; the method comprises the following steps: generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on the security chip in response to a user input cash-out command or monitoring that a preconfigured automatic cash-out condition is met; receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount; generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

Optionally, the cash-out command includes the cash-out amount and the cash-out path; when the terminal application generates a rendering instruction by monitoring an automatic rendering condition, the rendering amount and the rendering path in the rendering request are determined by an automatic rendering policy pre-configured in the terminal application.

Optionally, the presentation path includes: presenting a bank card account of the user and/or presenting another wallet application of the user different from the hardware wallet application; the automatic presentation conditions include at least one of: the current time point reaches a preset automatic lifting time point, the total amount of the digital currency currently stored by the hardware wallet application is larger than a preset first amount threshold, the abnormal transaction times of the hardware wallet application in a preset first time interval are larger than a preset times threshold, and the abnormal transaction total amount of the hardware wallet application in a preset second time interval is larger than a preset second amount threshold.

Optionally, the target digital currency is determined according to the steps of: the hardware wallet application, after receiving the rendering instruction: determining all the currently deposited digital currencies as the target digital currencies; or, determining at least one digital currency with the total amount not less than the present amount and the minimum total amount in the currently deposited digital currency as the target digital currency; alternatively, at least one digital currency in which the total amount of the currently deposited digital currencies is not less than the present amount and the total amount is closest to the present amount is determined as the target digital currency.

Optionally, the method further comprises: when the total amount of the target digital currency is larger than the withdrawal amount, receiving a difference digital currency returned by the target operation mechanism, and sending the difference digital currency to the hardware wallet application for storage; wherein the differential digital currency is generated by the target operating mechanism through a management mechanism and based on the target digital currency, the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount.

Optionally, another wallet application of the user different from the hardware wallet application includes: a superior wallet of the hardware wallet application; before the digital currency is transmitted between the hardware wallet application and the target operation mechanism, a sender generates a session key according to preset rules to encrypt the digital currency to be sent, and a receiver generates the session key according to the rules to decrypt the received encrypted digital currency.

In order to achieve the above object, according to still another aspect of the present invention, there is provided a digital money presentation device.

The digital currency extracting device is arranged in a terminal application installed on a user terminal, and the user terminal is provided with a security chip; the apparatus may include: a front-end response unit for: generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on the security chip in response to a user input cash-out command or monitoring that a preconfigured automatic cash-out condition is met; a receiving unit configured to: receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount; a request unit, configured to: generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

To achieve the above object, according to still another aspect of the present invention, there is provided an electronic apparatus.

An electronic apparatus of the present invention includes: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the digital currency presenting method provided by the invention.

To achieve the above object, according to still another aspect of the present invention, there is provided a computer-readable storage medium.

A computer-readable storage medium of the present invention has stored thereon a computer program which, when executed by a processor, implements the digital money presentation method provided by the present invention.

According to the technical scheme of the invention, the embodiment of the invention has the following advantages or beneficial effects:

because the hardware wallet application installed on the security chip has higher requirements on security and lightweight, the invention uses the terminal application of the same user terminal to execute the presenting information input, automatic presenting condition monitoring and interactive information forwarding with an operation mechanism in the presenting process of the hardware wallet application. In a manual cash-out scene, the terminal application sends a cash-out instruction to the hardware wallet application according to the cash-out amount input by the user, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out; in an automatic cash-out scene, the terminal application monitors whether the preset automatic cash-out condition of the user is met in real time, sends a cash-out instruction to the hardware wallet application according to the preset cash-out amount once the preset cash-out condition is met, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out. Therefore, a high-availability hardware wallet withdrawal solution can be realized, and in the process, the hardware wallet application only needs to execute the steps of selecting target digital currency and the like, so that the requirements of a security chip and the hardware wallet application on security, reliability and lightweight are met. In addition, the cash-out path can be configured to be used for cash-out to a bank card or another wallet application of the same user, the automatic cash-out condition can be used for realizing periodic automatic cash-out, excess automatic cash-out, automatic cash-out for coping with abnormal transactions and the like through flexible configuration, and the hardware wallet application can select proper digital currency for cash-out operation in various modes such as full-amount selection, minimum currency amount selection, closest amount selection and the like, so that various actual scene demands are met. In addition, the embodiment of the invention also designs reasonable proposal for the situation of the same operation mechanism and cross operation mechanisms, thereby further meeting the service requirement.

Further effects of the above-described non-conventional alternatives are described below in connection with the embodiments.

Drawings

The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:

FIG. 1 is a schematic diagram of the architecture of a digital currency presentation system in an embodiment of the present invention;

FIG. 2 is a schematic diagram of a manual cash-out interaction of a digital cash-out system in an embodiment of the present invention;

FIG. 3 is a schematic diagram of an automated cash-out interaction of a digital cash-out system in accordance with an embodiment of the present invention;

FIG. 4 is a schematic diagram of the composition of a terminal application and a hardware wallet application of an embodiment of the invention;

FIG. 5 is a schematic diagram of the main steps of a digital currency extraction method in an embodiment of the present invention;

FIG. 6 is a schematic diagram of the components of a digital currency presenting apparatus in an embodiment of the present invention;

FIG. 7 is an exemplary system architecture diagram to which embodiments in accordance with the present invention may be applied;

FIG. 8 is a schematic diagram of an electronic device for implementing the digital money presentation method according to an embodiment of the present invention.

Detailed Description

Exemplary embodiments of the present invention will now be described with reference to the accompanying drawings, in which various details of the embodiments of the present invention are included to facilitate understanding, and are to be considered merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.

The technical scheme of the invention relates to digital currency presentation of a hardware wallet application, and in the embodiment of the invention, the digital currency can be digital RMB which takes national credit as a guarantee and is pushed to be issued by a central bank (i.e. a management institution). The digital currency can realize controllable anonymity (namely foreground anonymity and background real name), can track, support attribute expression as currency, meet currency management requirements and have extensibility. Meanwhile, the digital currency can support coexistence and sharing with the existing account system, and can support various value-added service requirements of different application scenes. The digital currency of the present invention may be in the form of an encrypted string (hereinafter may be referred to as an encrypted string or string), essentially an encryption process of the principal attributes and attributes of the currency. The string is made up of a plurality of extensible variable length fields including one or more of the following: issue identification, owner identification, currency management attributes, currency security attributes, currency application attributes, currency amount, currency number. Wherein, the owner identification can be corresponding to the real user through the system background; the money management attribute is a field supporting management of money issuing and circulation by a money authority; the currency security attribute is a group of fields related to digital currency security encryption, and can realize the functions of non-forgery, non-falsification, non-repudiation, privacy protection, transaction security protection and the like of the digital currency; the currency application attribute is a group of fields for digital currency to meet the requirements of application scenes and value added services, and can realize the functions of controlling the fund flow, executing intelligent contracts and the like.

The above wallet is used to store the above digital money, the hardware wallet application is an application program installed on a security chip, and the hardware wallet application and a terminal application to be described below may be an adaptation application program (e.g., PC-side application program, mobile terminal APP) installed on various user terminals (e.g., personal computer PC, mobile terminal). A Security Element (SE) is generally in the form of a chip, and generally has an encryption/decryption logic circuit, so that external malicious analysis attacks can be prevented, and data security is protected; for the preservation of digital currency, a specialized environment independent of the operating system is employed to preserve data, thereby ensuring that digital currency is not maliciously read or modified.

The hardware wallet application may be associated with a digital currency operating mechanism (e.g., a commercial bank), and the operating mechanism associated with the hardware wallet application may be referred to as a target operating mechanism, whereby money transfers are made between the hardware wallet application and the target operating mechanism. It will be appreciated that the hardware wallet application remains relatively independent of the target operating mechanism, and that the hardware wallet application is only synchronized with the transfer of money and some information from the digital money wallet account of the target operating mechanism by the same user, and that the hardware wallet application does not act as an access portal to the digital money wallet account of the target operating mechanism. In practical applications, the target operating mechanism may be associated with other wallet applications (which may be referred to as software wallet applications) installed on the user terminal other than the security chip, that is, the access portal to the digital money wallet account of the target operating mechanism, the digital money amount on the software wallet application generally remaining consistent with the digital money wallet account.

It should be noted that, there may be a hierarchical relationship between multiple wallet applications installed in the user terminal corresponding to the same user and the same operation organization, for example, the above software wallet application associated with the target operation organization may be a root wallet in the user terminal corresponding to the target operation organization, the above hardware wallet application and an application wallet associated with the target operation organization (an application program that provides digital currency application services to the user by a non-banking principal) may be a next-level wallet of the above software wallet application, which accordingly serves as the above hardware wallet application and a previous-level wallet of the application wallet. It should be noted that the embodiments of the present invention and the technical features in the embodiments may be combined with each other without collision.

Fig. 1 is a schematic diagram of an architecture of a digital currency presenting system according to an embodiment of the present invention, fig. 2 is a schematic diagram of a manual presenting interaction of the digital currency presenting system according to an embodiment of the present invention, and fig. 3 is a schematic diagram of an automatic presenting interaction of the digital currency presenting system according to an embodiment of the present invention. As shown in fig. 1-3, a digital money presentation system of an embodiment of the present invention may include: a hardware wallet application installed on a security chip of a user terminal, a terminal application installed on the user terminal (not installed on the above security chip), and a target operating mechanism associated with the hardware wallet application.

The digital currency presenting system of the embodiment of the invention can support two presenting modes: manual presentation and automatic presentation. In the manual presentation scenario, a User inputs a presentation amount and a presentation path (may also select a presentation path in a history) on a UI (User Interface) Interface of a terminal application, and clicks a corresponding button on the Interface, thereby implementing input of a presentation command. And the terminal application responds to the user input presentation command, generates a presentation instruction carrying the presentation amount and sends the presentation instruction to the hardware wallet application. Generally, the cash amount and the cash path may be included in the above cash command, and the cash path may include: to the bank card account of the same user, and to another wallet application of the same user different from the above hardware wallet application.

There may be two cases to mention the above bank card accounts: the bank card account (same operation mechanism) of the target operation mechanism is set up by the same user; it is proposed that the same user opens a bank card account (across operators) at another operator (different from the target operator). There are two cases where another wallet account is proposed: another wallet application (same operator) to the same user, different from the above hardware wallet application, and associated with the target operator; another wallet application (cross-operator) of the same user, different from the above hardware wallet application, and associated with another operator different from the target operator is presented. A specific rendering scheme will be described below for each rendering path. It will be appreciated that after presentation to the user's bank card account, the user may withdraw cash through the bank card, thereby effecting a redemption from digital currency to cash.

In the automatic cash-out scenario, the user may sign a contract with the target operating organization in advance, where an automatic cash-out policy is specified, including automatic cash-out conditions and a determination manner of cash-out amount and cash-out path. Illustratively, the automatic presentation condition may be: the current time point reaches a preset automatic presentation time point, and the above current time point and automatic presentation time point can be configured to be accurate to various granularities such as date, hour, minute, second, etc. The auto-presentation time point may be a fixed time point (e.g., auto-presentation on a month or day), a periodic plurality of time points (e.g., auto-presentation on a first day of month), or other types of time points. The automatic presentation conditions can meet the requirement of a regular automatic presentation scene.

The automatic presentation conditions may be: the automatic cash-out condition can meet the requirement of an excess automatic cash-out scenario when the total amount of digital currency currently stored in the hardware wallet application is greater than a preset first amount threshold, for example, automatic cash-out is performed when the amount of digital currency in the hardware wallet application is greater than one thousand yuan.

The automatic presentation conditions may be: the number of abnormal transactions of the hardware wallet application in a preset first time interval is larger than a preset number threshold, and the scene requires the terminal application to have abnormal transaction identification capability or call and count real-time detection results of the abnormal transaction identification application. For example, when the terminal application monitors that the abnormal transaction number of the hardware wallet application occurring in the last month is more than two times, the automatic presentation is performed. The automatic presentation conditions may also be: the scenario also requires the terminal application to have abnormal transaction recognition capabilities or to invoke and count real-time detection results of the abnormal transaction recognition application, e.g., when the terminal application monitors that the abnormal transaction total amount generated by the hardware wallet application in the last month is greater than one kiloelement. The two automatic presentation conditions can effectively influence the abnormal transaction on the user, and further loss of funds in the application of the hardware wallet is avoided.

The cash amount and the cash path in the automatic cash scene can be determined according to an automatic cash policy set by the user negotiating with the operation mechanism, and the cash path can also include the four cases described above, and the description thereof will not be repeated here. In the automatic cash-out scenario, the terminal application responds to the fact that the preset automatic cash-out condition is met, a cash-out instruction carrying cash amount is generated and sent to the hardware wallet application, namely the terminal application generates and sends the cash-out instruction to the hardware wallet application under the condition that the automatic cash-out condition is met. In the following steps, the manual scene is not distinguished from the automatic scene, and therefore, a distinction is not made.

After receiving the withdrawal instruction sent by the terminal application, the hardware wallet application firstly judges whether the total amount of the current digital currency is not less than the withdrawal amount, if so, the process is ended and a response is returned to the terminal application; if not, at least one target digital currency with the total sum not less than the withdrawal sum is selected from the currently stored digital currencies and returned to the terminal application. Unlike the conventional money withdrawal method, the digital money withdrawal cannot simply subtract the withdrawal amount from the balance, but rather, a suitable digital money is searched from the current digital money to perform the withdrawal operation. In an embodiment of the present invention, three target digital currency selection methods are provided.

The first method, the hardware wallet application directly determines all the currently deposited digital currency as the target digital currency, is simpler in code and faster in execution speed, but requires a larger amount of digital currency data to be transferred. The second method, in which the hardware wallet application determines at least one digital currency having a total amount not less than the withdrawal amount and the smallest total amount of money among the currently deposited digital currencies as the target digital currency, requires a certain search to be performed in the current digital currency, but requires the smallest amount of digital currency data to be transferred. In a third method, the hardware wallet application determines at least one digital currency of which the total amount is not less than the withdrawal amount and the total amount is closest to the withdrawal amount as the target digital currency, which also requires a certain search to be performed in the current digital currency, but the amount of digital currency data to be transferred is smaller than in the first method, and the target digital currency total amount is close to the withdrawal amount, which can improve the reliability of the user funds during transfer. After determining the target digital currency, the hardware wallet application may generate a session key according to preset rules (pre-agreed security mechanisms) between the hardware wallet application and the target operating mechanism, encrypt the target digital currency with the session key, and send the encrypted target digital currency to the terminal application.

After receiving the encrypted target digital currency sent by the hardware wallet application, the terminal application generates a cash-out request carrying the encrypted target digital currency, the cash-out amount and the cash-out path, and sends the cash-out request to the target operation mechanism so that the target operation mechanism exchanges or transfers the digital currency with the cash-out amount according to the cash-out path. It will be appreciated that the above exchange refers to converting digital currency of a hardware wallet application to deposit of a bank card account, and the above transfer refers to converting digital currency of a hardware wallet application to digital currency of another wallet application.

The specific execution steps of the target operation mechanism will be described in detail below for each presentation path. The extraction path is as follows: the method comprises the following steps that under the condition that the same user opens a bank card account of a target operation mechanism: after receiving the request for presentation, the target operation mechanism calculates the session key according to the preset rule, and decrypts the encrypted target digital currency in the request for presentation by using the session key, so as to obtain the target digital currency (after obtaining the target digital currency, the target operation mechanism needs to perform validity verification on each digital currency by means of certificate verification and the like, and generally, each operation mechanism and the hardware wallet application perform validity verification after receiving the digital currency, which will not be repeated hereinafter). Thereafter, the target operating mechanism judges whether the total amount of the target digital currency is greater than or equal to the withdrawal amount: if the total amount of the target digital currency is equal to the withdrawal amount, generating, by the management agency and based on the target digital currency, a digital currency account (the owner of the account is the target operation agency) with the owner being the target operation agency and the amount of the digital currency equal to the withdrawal amount being stored locally, and adding the amount equal to the withdrawal amount to the user's above bank card account, and finally returning a response to the terminal application that the withdrawal was successful.

The process of generating digital currency by the management mechanism is as follows: the target operation mechanism sends a request to the management mechanism to realize the cancellation of the original digital currency and the release of the new digital currency, and the target operation mechanism can execute the request process for each transaction or can centralize a plurality of transactions to execute the request process. The above steps conform to the following two-layer operating system of digital currency: the management organization is in a central position in the digital currency operation system and is responsible for issuing digital currency to a designated operation organization and managing the whole life cycle of the digital currency, and the designated operation organization and related commercial organizations are responsible for providing digital currency exchange and circulation services to the public.

If the total amount of the target digital money is greater than the withdrawal amount, the target operating mechanism generates, through the management mechanism and based on the target digital money, a differential digital money for which the owner is the user and the amount is equal to the difference between the total amount of the target digital money and the withdrawal amount, in addition to the digital money for which the owner is the target operating mechanism and the amount is equal to the withdrawal amount. Thereafter, the target operator deposits the generated digital currency equal to the withdrawal amount in a local digital currency account (the owner of the account is the target operator), and adds an amount equal to the withdrawal amount to the user's above bank card account, and the differential digital currency is encrypted (which may be encrypted using a mechanism similar to the session key described above) and returned to the terminal application.

After the terminal application receives the encrypted differential digital currency, the encrypted differential digital currency is sent to a hardware wallet application, and the hardware wallet application decrypts the encrypted differential digital currency and stores the decrypted encrypted differential digital currency in a local place and updates the current balance.

The extraction path is as follows: it is mentioned that in case the same user opens a bank card account in another operating institution (different from the target operating institution): after receiving the cash-on-request, the target operation mechanism firstly obtains the target digital currency carried in the cash-on-request through decryption; thereafter, the target operating mechanism judges whether the total amount of the target digital currency is greater than or equal to the withdrawal amount: if the target digital currency total amount is equal to the withdrawal amount, then the generation owner, via the administration and based on the target digital currency, is another operator and the digital currency having the amount equal to the withdrawal amount is sent to the other operator (the digital currency typically needs to be encrypted prior to sending, in a similar manner to the session key described above). After receiving the digital currency, the other operation organization decrypts the digital currency and stores the digital currency locally, and increases the amount equal to the cash amount in a bank card account opened by the user at the other operation organization.

If the total amount of the target digital money is greater than the withdrawal amount, the target operating mechanism generates, by the management mechanism and based on the target digital money, a differential digital money for which the owner is the user and the amount is equal to the difference between the total amount of the target digital money and the withdrawal amount, in addition to the digital money for which the owner is another operating mechanism and the amount is equal to the withdrawal amount. Thereafter, the target operating organization transmits the digital money, which is the owner of the digital money as another operating organization and has the amount equal to the withdrawal amount, to the other operating organization, encrypts the differential digital money, and returns the encrypted differential digital money to the terminal application.

After receiving the digital currency, the other operation organization decrypts the digital currency and stores the digital currency locally, and increases the amount equal to the withdrawal amount in a bank card account opened by the user at the other operation organization. The terminal application sends the received encrypted differential digital currency to the hardware wallet application, and the hardware wallet application decrypts the encrypted differential digital currency, stores the decrypted encrypted differential digital currency locally and updates the current balance.

The extraction path is as follows: mention is made of the case of another wallet application of the same user, different from the hardware wallet application, and associated with the target operating mechanism: after receiving the cash-on-request, the target operation mechanism firstly obtains the target digital currency carried in the cash-on-request through decryption; when the total amount of the target digital currency is equal to the present amount, the target operating mechanism transfers the target digital currency to another wallet application. It should be noted that, if the other wallet application is the aforementioned software wallet application, the target operation mechanism directly transfers the target digital currency to the digital currency wallet account associated with the other wallet application, that is, the transfer of the digital currency to the other wallet application is implemented; if the other wallet application is another hardware wallet application of the same user at the other user terminal, the target operation authority needs to send the digital money to be transferred to the other hardware wallet application of the above other user terminal (which may be another terminal application installed at the other user terminal) so that the transfer of the digital money to the other wallet application can be achieved. After the transfer is completed, the target operation mechanism returns a response of successful presentation to the terminal application.

When the total amount of the target digital money is greater than the withdrawal amount: the target operation mechanism generates an equal digital currency of which the owner is the user and the amount is equal to the withdrawal amount and a differential digital currency of which the owner is the user and the amount is equal to the difference between the total amount of the target digital currency and the withdrawal amount through the management mechanism and based on the target digital currency, transfers the equal digital currency to another wallet application (the specific manner of transfer is the same as the previous description), encrypts and returns the differential digital currency to the terminal application; the terminal application sends the received encrypted differential digital currency to the hardware wallet application, and the hardware wallet application decrypts the encrypted differential digital currency, stores the decrypted encrypted differential digital currency locally and updates the current balance.

It should be noted that the above another wallet application may be a superior wallet of the above-described hardware wallet application (e.g., a software wallet application associated with a target operation organization), and it is understood that by transferring digital money in the hardware wallet application and other subordinate wallets (e.g., a subordinate application wallet of the above software wallet application) to a common superior wallet, concentration and generalization of digital money of multiple wallets can be achieved, thereby meeting business requirements of the corresponding scenario.

The extraction path is as follows: mention is made of the case of another wallet application of the same user, different from the hardware wallet application, and associated with another operating mechanism different from the target operating mechanism: after receiving the cash-on-request, the target operation mechanism firstly obtains the target digital currency carried in the cash-on-request through decryption; when the total amount of the target digital currency is equal to the withdrawal amount, the target operating mechanism encrypts the target digital currency and transmits the encrypted target digital currency to another operating mechanism. The other operating entity, after receiving the encrypted target digital currency, first decrypts it and thereafter transfers the decrypted target digital currency to another wallet application (in the same manner as before).

When the total amount of the target digital currency is larger than the withdrawal amount, the target operating mechanism generates equal-amount digital currency which is the user and has the amount equal to the withdrawal amount and differential-amount digital currency which is the user and has the amount equal to the difference between the total amount of the target digital currency and the withdrawal amount through the management mechanism and based on the target digital currency, encrypts the equal-amount digital currency and sends the encrypted equal-amount digital currency to another operating mechanism, and returns the encrypted differential-amount digital currency to the terminal application.

After receiving the equal digital currency, the other operating mechanism decrypts the equal digital currency and transfers the equal digital currency to the other wallet application. After receiving the encrypted differential digital currency, the terminal application sends the encrypted differential digital currency to a hardware wallet application, and the hardware wallet application decrypts the encrypted differential digital currency, stores the decrypted encrypted differential digital currency locally and updates the current balance.

Fig. 4 is a schematic diagram of the composition of a terminal application and a hardware wallet application according to an embodiment of the present invention, and as shown in fig. 4, the terminal application may include four modules: UI module, monitoring module, control module and communication module: the UI module realizes interaction with a user, and a user inputs a rendering command; the monitoring module is used for monitoring the state of the hardware wallet application and monitoring whether the automatic presenting condition is met; the control module realizes the organization of the implementation instruction; the communication module is used for realizing communication with the hardware wallet application and the target operation mechanism. The hardware wallet application contains three modules: control module, storage module and communication module: the control module is used for processing the rendering instruction and executing operations such as searching target digital currency; the storage module stores digital currency information; the communication module realizes the communication with the terminal application.

One embodiment of the present invention is described below. The user terminal in the embodiment is a mobile terminal and comprises a terminal application APP, wherein the APP comprises a UI interface, and a user can select the cash amount and the cash path in the UI interface; the APP comprises a monitoring function, and can monitor the transaction state and transaction information of the hardware wallet application and monitor whether the automatic presentation condition is met or not.

The hardware wallet application of the embodiment uses the security chip as a carrier, and can safely store digital currency information. The hardware wallet application is provided with a communication interface which can interact information with the terminal application. The hardware wallets currently contain digital currency of the following denominations: 200, 150, 140, 120, 80, 30. In this embodiment, the user makes a contract with the target operating mechanism: and on the last day of each month, if the balance exceeds 500 yuan, the amount exceeding 500 is presented to the bank card number appointed by the user.

First, a manual presentation scenario is introduced. The user needs to extract 100 yuan from the hardware wallet application to the upper wallet, and inputs 100 yuan from the UI interface of the terminal application, inputs the cash-out path to the upper wallet, and clicks the cash-out button. After receiving the cash-out command, the terminal application organizes the cash-out command according to the input cash-out amount and cash-out path, and sends the cash-out command to the hardware wallet application through the communication module.

The hardware wallet application receives the rendering instruction, generates a set of session keys according to the agreed security mechanism, and is used for protecting confidentiality and integrity of the transmitted data. According to the present amount, a third target digital currency selection method is selected, and the digital currency information (namely 80-element denomination and 30-element denomination digital currency) closest to the present amount is selected and sent to the terminal application in a ciphertext mode.

The terminal application sends the digital currency information to a background of a target operation mechanism, and the background of the target operation mechanism generates a session key by a contracted security mechanism, so as to decrypt and acquire the digital currency information and verify the correctness and legality of the digital currency. After verification is successful, 100 elements of the present amount are transferred to the previous wallet account. Because the total amount of the target digital currency information is 110 yuan, the rest 10 yuan is used for generating new digital currency information with 10 yuan denomination through the management mechanism, and the new digital currency information is sent to the terminal application in an encrypted mode.

The terminal application sends the new 10-element denomination digital currency information to the hardware wallet application, and the hardware wallet application decrypts and verifies the new 10-element denomination digital currency information and stores the new 10-element denomination digital currency information in the hardware wallet application. At this point, the hardware wallet application has the following digital currency information within it: 200, 150, 140, 120, 10.

An automatic rendering scenario is then introduced. The terminal application monitors related information, detects that the balance of the hardware wallet application is 620 yuan, exceeds 500 yuan when the contract time is reached, and initiates the presenting operation according to the contract: through calculation, the cash amount is 120 yuan, and the cash path is transferred to the bank card. And according to the cash amount and the cash path, organizing cash instructions and sending the cash instructions to the hardware wallet application through the communication module.

The hardware wallet application receives the rendering command, generates a set of session keys according to the agreed security mechanism for protecting confidentiality and integrity of the transmitted data. According to the present amount, a first target digital currency selection method is selected, and all digital currency information (namely 200-element, 150-element, 140-element, 120-element and 10-element digital currency) is selected and sent to the terminal application in a ciphertext mode.

The terminal application sends the digital currency information to a background of a target operation mechanism, and the background of the target operation mechanism generates a session key by a contracted security mechanism, acquires the digital currency information and verifies the correctness and legality of the digital currency. After verification is successful, the cash amount 120 is transferred to the designated bank card. Because the total amount of the uploaded digital currency is 620 yuan, the remaining 500 yuan is generated into new 500 yuan denomination digital currency information, and the new 500 yuan denomination digital currency information is sent to the terminal application in an encrypted mode.

The terminal application sends the new 500-element denomination digital currency information to the hardware wallet application, and the hardware wallet application decrypts and verifies the new 500-element denomination digital currency information and stores the new 500-element denomination digital currency information in the hardware wallet application. At this point, there is digital currency information 500 element within the hardware wallet application.

In the technical scheme of the embodiment of the invention, as the hardware wallet application installed on the security chip has higher requirements on security and lightweight, the invention uses the terminal application of the same user terminal to execute the presenting information input, automatic presenting condition monitoring and interactive information forwarding with an operation mechanism in the presenting process of the hardware wallet application. In a manual cash-out scene, the terminal application sends a cash-out instruction to the hardware wallet application according to the cash-out amount input by the user, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out; in an automatic cash-out scene, the terminal application monitors whether the preset automatic cash-out condition of the user is met in real time, sends a cash-out instruction to the hardware wallet application according to the preset cash-out amount once the preset cash-out condition is met, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out. Therefore, a high-availability hardware wallet withdrawal solution can be realized, and in the process, the hardware wallet application only needs to execute the steps of selecting target digital currency and the like, so that the requirements of a security chip and the hardware wallet application on security, reliability and lightweight are met. In addition, the cash-out path can be configured to be used for cash-out to a bank card or another wallet application of the same user, the automatic cash-out condition can be used for realizing periodic automatic cash-out, excess automatic cash-out, automatic cash-out for coping with abnormal transactions and the like through flexible configuration, and the hardware wallet application can select proper digital currency for cash-out operation in various modes such as full-amount selection, minimum currency amount selection, closest amount selection and the like, so that various actual scene demands are met. In addition, the embodiment of the invention also designs reasonable proposal for the situation of the same operation mechanism and cross operation mechanisms, thereby further meeting the service requirement.

FIG. 5 is a schematic diagram showing the main steps of a digital money presenting method according to an embodiment of the present invention, as shown in FIG. 5, the digital money presenting method according to an embodiment of the present invention is executed by a terminal application installed in a user terminal having a security chip; the method comprises the following steps:

step S101: generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on the security chip in response to a user input cash-out command or monitoring that a preconfigured automatic cash-out condition is met; step S102: receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount; step S103: generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

In the embodiment of the invention, the cash-out command comprises the cash-out amount and the cash-out path; when the terminal application generates a rendering instruction by monitoring an automatic rendering condition, the rendering amount and the rendering path in the rendering request are determined by an automatic rendering policy pre-configured in the terminal application.

In a specific application, the presentation path includes: presenting a bank card account of the user and/or presenting another wallet application of the user different from the hardware wallet application; the automatic presentation conditions include at least one of: the current time point reaches a preset automatic lifting time point, the total amount of the digital currency currently stored by the hardware wallet application is larger than a preset first amount threshold, the abnormal transaction times of the hardware wallet application in a preset first time interval are larger than a preset times threshold, and the abnormal transaction total amount of the hardware wallet application in a preset second time interval is larger than a preset second amount threshold.

As a preferred embodiment, the target digital currency is determined according to the steps of: the hardware wallet application, after receiving the rendering instruction: determining all the currently deposited digital currencies as the target digital currencies; or, determining at least one digital currency with the total amount not less than the present amount and the minimum total amount in the currently deposited digital currency as the target digital currency; alternatively, at least one digital currency in which the total amount of the currently deposited digital currencies is not less than the present amount and the total amount is closest to the present amount is determined as the target digital currency.

Preferably, the method further comprises: when the total amount of the target digital currency is larger than the withdrawal amount, receiving a difference digital currency returned by the target operation mechanism, and sending the difference digital currency to the hardware wallet application for storage; wherein the differential digital currency is generated by the target operating mechanism through a management mechanism and based on the target digital currency, the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount.

The following describes the specific implementation steps of the target operation mechanism according to each presentation path. The extraction path is as follows: the method comprises the steps that under the condition that the user opens a bank card account of the target operation mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital currency is equal to the withdrawal amount, the target operation mechanism generates digital currency which is the target operation mechanism and has the amount equal to the withdrawal amount for the owner through a management mechanism and based on the target digital currency, and the digital currency with the amount equal to the withdrawal amount is stored locally and the amount equal to the withdrawal amount is increased in the bank card account; when the total amount of the target digital money is greater than the present amount: the target operation mechanism further generates differential digital currency to return to the terminal application through the management mechanism and based on the target digital currency; wherein the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount; and the terminal application sends the received differential digital currency to the hardware wallet application for storage.

The extraction path is as follows: the user is presented with a bank card account opened at the other operating mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital currency is equal to the withdrawal amount, the target operating mechanism generates digital currency, of which the owner is the other operating mechanism and the amount is equal to the withdrawal amount, through a management mechanism and based on the target digital currency, and sends the digital currency to the other operating mechanism; after receiving the digital currency, the other operation mechanism stores the digital currency locally and increases the amount equal to the withdrawal amount in the bank card account of the other operation mechanism opened by the user; when the total amount of the target digital money is greater than the present amount: the target operation mechanism further generates differential digital currency to return to the terminal application through the management mechanism and based on the target digital currency; wherein the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount; the terminal application sends the received differential digital currency to the hardware wallet application for storage.

The extraction path is as follows: mention is made of the user's case of another wallet application that is different from the hardware wallet application and associated with the target operating mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital currency is equal to the withdrawal amount, the target operating mechanism transfers the target digital currency to the other wallet application; when the total amount of the target digital money is greater than the present amount: the target operation mechanism generates an equal-amount digital currency of which the owner is the user and the sum is equal to the withdrawal amount and a difference digital currency of which the owner is the user and the sum is equal to the difference between the total sum of the target digital currencies and the withdrawal amount through a management mechanism and based on the target digital currency, transfers the equal-amount digital currency to the other wallet application, and returns the difference digital currency to the terminal application; the terminal application sends the received differential digital currency to the hardware wallet application for storage.

The extraction path is as follows: mention is made of a further wallet application of the user, different from the hardware wallet application, and associated with a further operating mechanism different from the target operating mechanism: after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request; when the total amount of the target digital money is equal to the withdrawal amount, the target operating mechanism transmits the target digital money to the other operating mechanism; the further operating mechanism transferring the target digital currency to the further wallet application after receiving the target digital currency; when the total amount of the target digital money is greater than the present amount: the target operation mechanism generates an equal-amount digital currency of which the owner is the user and the sum is equal to the withdrawal amount and a difference digital currency of which the owner is the user and the sum is equal to the difference between the total sum of the target digital currencies and the withdrawal amount through a management mechanism and based on the target digital currency, sends the equal-amount digital currency to the other operation mechanism, and returns the difference digital currency to the terminal application; said further operating mechanism transferring said equal digital currency to said further wallet application after receiving said equal digital currency; the terminal application sends the differential digital currency to the hardware wallet application for deposit after receiving the differential digital currency.

Further, in an embodiment of the present invention, another wallet application of the user different from the hardware wallet application includes: a superior wallet of the hardware wallet application; before the digital currency is transmitted between the hardware wallet application and the target operation mechanism, a sender generates a session key according to preset rules to encrypt the digital currency to be sent, and a receiver generates the session key according to the rules to decrypt the received encrypted digital currency.

It should be noted that, for the convenience of description, the foregoing method embodiments are expressed as a series of combinations of actions, but it should be understood by those skilled in the art that the present invention is not limited by the described order of actions, and some steps may actually be performed in other order or simultaneously. Moreover, those skilled in the art will appreciate that the embodiments described in the specification are presently preferred embodiments, and that the acts and modules referred to are not necessarily required to practice the invention.

In order to facilitate better implementation of the above-described aspects of embodiments of the present invention, the following provides related devices for implementing the above-described aspects.

Referring to fig. 6, a digital money presentation device 600 according to an embodiment of the present invention is provided in a terminal application installed in a user terminal, where the user terminal has a security chip; the apparatus 600 may include: a preamble response unit 601, a receiving unit 602, and a requesting unit 603.

Wherein, the pre-response unit 601 may be used to: generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on the security chip in response to a user input cash-out command or monitoring that a preconfigured automatic cash-out condition is met; the receiving unit 602 may be configured to: receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount; the requesting unit 603 may be configured to: generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

It is understood that the functions of the above pre-response unit 601 may be implemented by the aforementioned UI module, the monitoring module, the control module, and the communication module in the terminal application, the functions of the receiving unit 602 may be implemented by the aforementioned communication module in the terminal application, and the functions of the requesting unit 603 may be implemented by the aforementioned control module and communication module in the terminal application.

In the embodiment of the invention, the cash-out command comprises the cash-out amount and the cash-out path; when the terminal application generates a rendering instruction by monitoring an automatic rendering condition, the rendering amount and the rendering path in the rendering request are determined by an automatic rendering policy pre-configured in the terminal application.

As a preferred aspect, the presenting path includes: presenting a bank card account of the user and/or presenting another wallet application of the user different from the hardware wallet application; the automatic presentation conditions include at least one of: the current time point reaches a preset automatic lifting time point, the total amount of the digital currency currently stored by the hardware wallet application is larger than a preset first amount threshold, the abnormal transaction times of the hardware wallet application in a preset first time interval are larger than a preset times threshold, and the abnormal transaction total amount of the hardware wallet application in a preset second time interval is larger than a preset second amount threshold.

Preferably, the target digital currency is determined according to the steps of: the hardware wallet application, after receiving the rendering instruction: determining all the currently deposited digital currencies as the target digital currencies; or, determining at least one digital currency with the total amount not less than the present amount and the minimum total amount in the currently deposited digital currency as the target digital currency; alternatively, at least one digital currency in which the total amount of the currently deposited digital currencies is not less than the present amount and the total amount is closest to the present amount is determined as the target digital currency.

In a specific application, the receiving unit 602 may be further configured to: when the total amount of the target digital currency is larger than the withdrawal amount, receiving a difference digital currency returned by the target operation mechanism, and sending the difference digital currency to the hardware wallet application for storage; wherein the differential digital currency is generated by the target operating mechanism through a management mechanism and based on the target digital currency, the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount.

Further, in an embodiment of the present invention, another wallet application of the user different from the hardware wallet application includes: a superior wallet of the hardware wallet application; before the digital currency is transmitted between the hardware wallet application and the target operation mechanism, a sender generates a session key according to preset rules to encrypt the digital currency to be sent, and a receiver generates the session key according to the rules to decrypt the received encrypted digital currency.

According to the technical scheme of the embodiment of the invention, as the hardware wallet application installed on the security chip has higher requirements on security and lightweight, the invention uses the terminal application of the same user terminal to execute the presenting information input, automatic presenting condition monitoring and interactive information forwarding with an operation mechanism in the presenting process of the hardware wallet application. In a manual cash-out scene, the terminal application sends a cash-out instruction to the hardware wallet application according to the cash-out amount input by the user, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out; in an automatic cash-out scene, the terminal application monitors whether the preset automatic cash-out condition of the user is met in real time, sends a cash-out instruction to the hardware wallet application according to the preset cash-out amount once the preset cash-out condition is met, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out. Therefore, a high-availability hardware wallet withdrawal solution can be realized, and in the process, the hardware wallet application only needs to execute the steps of selecting target digital currency and the like, so that the requirements of a security chip and the hardware wallet application on security, reliability and lightweight are met. In addition, the cash-out path can be configured to be used for cash-out to a bank card or another wallet application of the same user, the automatic cash-out condition can be used for realizing periodic automatic cash-out, excess automatic cash-out, automatic cash-out for coping with abnormal transactions and the like through flexible configuration, and the hardware wallet application can select proper digital currency for cash-out operation in various modes such as full-amount selection, minimum currency amount selection, closest amount selection and the like, so that various actual scene demands are met. In addition, the embodiment of the invention also designs reasonable proposal for the situation of the same operation mechanism and cross operation mechanisms, thereby further meeting the service requirement.

FIG. 7 illustrates an exemplary system architecture 700 in which the digital currency rendering method or digital currency rendering device of embodiments of the present invention may be applied.

As shown in fig. 7, a system architecture 700 may include terminal devices 701, 702, 703, a network 704, and a server 705 (this architecture is merely an example, and the components contained in a particular architecture may be tailored to the application specific case). The network 704 is the medium used to provide communication links between the terminal devices 701, 702, 703 and the server 705. The network 704 may include various connection types, such as wired, wireless communication links, or fiber optic cables, among others.

A user may interact with the server 705 via the network 704 using the terminal devices 701, 702, 703 to receive or send messages or the like. Various client applications, such as a terminal application (by way of example only), may be installed on the terminal devices 701, 702, 703.

The terminal devices 701, 702, 703 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smartphones, tablets, laptop and desktop computers, and the like.

The server 705 may be a server providing various services, such as an operator backend server (by way of example only) providing support for terminal applications operated by users with the terminal devices 701, 702, 703. The operator backend server may process the received rendering request and feed back the processing results (e.g. the result of the rendering process and the differential digital money-just an example) to the terminal devices 701, 702, 703.

It should be noted that, the digital currency presenting method provided by the embodiment of the present invention is generally executed by the server 705, and accordingly, the digital currency presenting device is generally disposed in the server 705.

It should be understood that the number of terminal devices, networks and servers in fig. 7 is merely illustrative. There may be any number of terminal devices, networks, and servers, as desired for implementation.

The invention also provides electronic equipment. The electronic equipment of the embodiment of the invention comprises: one or more processors; and the storage device is used for storing one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors are enabled to realize the digital currency presenting method provided by the invention.

Referring now to FIG. 8, there is illustrated a schematic diagram of a computer system 800 suitable for use in implementing an electronic device of an embodiment of the present invention. The electronic device shown in fig. 8 is only an example and should not be construed as limiting the functionality and scope of use of the embodiments of the invention.

As shown in fig. 8, the computer system 800 includes a Central Processing Unit (CPU) 801 that can perform various appropriate actions and processes according to a program stored in a Read Only Memory (ROM) 802 or a program loaded from a storage section 808 into a Random Access Memory (RAM) 803. In the RAM803, various programs and data required for the operation of the computer system 800 are also stored. The CPU801, ROM 802, and RAM803 are connected to each other by a bus 804. An input/output (I/O) interface 805 is also connected to the bus 804.

The following components are connected to the I/O interface 805: an input portion 806 including a keyboard, mouse, etc.; an output portion 807 including a display such as a Cathode Ray Tube (CRT), a Liquid Crystal Display (LCD), and a speaker; a storage section 808 including a hard disk or the like; and a communication section 809 including a network interface card such as a LAN card, a modem, or the like. The communication section 809 performs communication processing via a network such as the internet. The drive 810 is also connected to the I/O interface 805 as needed. A removable medium 811 such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, or the like is installed on the drive 810 as needed, so that a computer program read out therefrom is installed into the storage section 808 as needed.

In particular, the processes described in the main step diagrams above may be implemented as computer software programs according to the disclosed embodiments of the invention. For example, embodiments of the present invention include a computer program product comprising a computer program embodied on a computer readable medium, the computer program comprising program code for performing the method shown in the main step diagrams. In the above-described embodiment, the computer program can be downloaded and installed from a network through the communication section 809 and/or installed from the removable medium 811. The above-described functions defined in the system of the present invention are performed when the computer program is executed by the central processing unit 801.

The computer readable medium shown in the present invention may be a computer readable signal medium or a computer readable storage medium, or any combination of the two. The computer readable storage medium can be, for example, but not limited to, an electronic, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or a combination of any of the foregoing. More specific examples of the computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer diskette, a hard disk, a Random Access Memory (RAM), a read-only memory (ROM), an erasable programmable read-only memory (EPROM or flash memory), an optical fiber, a portable compact disc read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the foregoing. In the context of this document, a computer readable storage medium may be any tangible medium that can contain, or store a program for use by or in connection with an instruction execution system, apparatus, or device. In the present invention, a computer readable signal medium may comprise a data signal propagated in baseband or as part of a carrier wave, with computer readable program code embodied therein. Such a propagated data signal may take any of a variety of forms, including, but not limited to, electro-magnetic, optical, or any suitable combination thereof. A computer readable signal medium may also be any computer readable medium that is not a computer readable storage medium and that can communicate, propagate, or transport a program for use by or in connection with an instruction execution system, apparatus, or device. Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, fiber optic cable, RF, etc., or any suitable combination of the foregoing.

The flowcharts and block diagrams in the figures illustrate the architecture, functionality, and operation of possible implementations of systems, methods and computer program products according to various embodiments of the present invention. In this regard, each block in the flowchart or block diagrams may represent a module, segment, or portion of code, which comprises one or more executable instructions for implementing the specified logical function(s). It should also be noted that, in some alternative implementations, the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or the blocks may sometimes be executed in the reverse order, depending upon the functionality involved. It will also be noted that each block of the block diagrams or flowchart illustration, and combinations of blocks in the block diagrams or flowchart illustration, can be implemented by special purpose hardware-based systems which perform the specified functions or acts, or combinations of special purpose hardware and computer instructions.

The units involved in the embodiments of the present invention may be implemented in software or in hardware. The described units may also be provided in a processor, for example, described as: a processor includes a pre-response unit, a receiving unit, and a requesting unit. Where the names of these units do not constitute a limitation of the unit itself in some cases, for example, the pre-response unit may also be described as "a unit providing the presentation amount and the presentation path to the requesting unit".

As another aspect, the present invention also provides a computer-readable medium that may be contained in the apparatus described in the above embodiments; or may be present alone without being fitted into the device. The computer readable medium carries one or more programs which, when executed by the device, cause the device to perform steps comprising: generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on a security chip in response to a user inputting a cash-out command or monitoring that a preconfigured automatic cash-out condition is met; receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount; generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

In the technical scheme of the embodiment of the invention, as the hardware wallet application installed on the security chip has higher requirements on security and lightweight, the invention uses the terminal application of the same user terminal to execute the presenting information input, automatic presenting condition monitoring and interactive information forwarding with an operation mechanism in the presenting process of the hardware wallet application. In a manual cash-out scene, the terminal application sends a cash-out instruction to the hardware wallet application according to the cash-out amount input by the user, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out; in an automatic cash-out scene, the terminal application monitors whether the preset automatic cash-out condition of the user is met in real time, sends a cash-out instruction to the hardware wallet application according to the preset cash-out amount once the preset cash-out condition is met, and sends target digital currency returned by the hardware wallet application to a corresponding operation mechanism to finish cash-out. Therefore, a high-availability hardware wallet withdrawal solution can be realized, and in the process, the hardware wallet application only needs to execute the steps of selecting target digital currency and the like, so that the requirements of a security chip and the hardware wallet application on security, reliability and lightweight are met. In addition, the cash-out path can be configured to be used for cash-out to a bank card or another wallet application of the same user, the automatic cash-out condition can be used for realizing periodic automatic cash-out, excess automatic cash-out, automatic cash-out for coping with abnormal transactions and the like through flexible configuration, and the hardware wallet application can select proper digital currency for cash-out operation in various modes such as full-amount selection, minimum currency amount selection, closest amount selection and the like, so that various actual scene demands are met. In addition, the embodiment of the invention also designs reasonable proposal for the situation of the same operation mechanism and cross operation mechanisms, thereby further meeting the service requirement.

The above embodiments do not limit the scope of the present invention. It will be apparent to those skilled in the art that various modifications, combinations, sub-combinations and alternatives can occur depending upon design requirements and other factors. Any modifications, equivalent substitutions and improvements made within the spirit and principles of the present invention should be included in the scope of the present invention.

Claims (18)

1. A digital currency presentation system, comprising: a hardware wallet application installed on a security chip of a user terminal, a terminal application installed on the user terminal, and a target operating mechanism associated with the hardware wallet application;

the terminal application responds to a user input presentation command or detects that a preset automatic presentation condition is met, generates a presentation instruction carrying a presentation amount and sends the presentation instruction to the hardware wallet application;

the hardware wallet application selects at least one target digital currency with the total amount not less than the withdrawal amount from the currently stored digital currencies and returns the selected target digital currency to the terminal application;

the terminal application generates a cash-out request carrying the target digital currency, the cash-out amount and the cash-out path and sends the cash-out request to the target operation mechanism so that the digital currency with the cash-out amount is exchanged or transferred by the target operation mechanism according to the cash-out path.

2. The system of claim 1, wherein the cash-out command includes the cash-out amount and the cash-out path;

when the terminal application generates a rendering instruction by monitoring an automatic rendering condition, the rendering amount and the rendering path in the rendering request are determined by an automatic rendering policy pre-configured in the terminal application.

3. The system of claim 2, wherein the presentation path comprises: presenting a bank card account of the user and/or presenting another wallet application of the user different from the hardware wallet application;

the automatic presentation conditions include at least one of: the current time point reaches a preset automatic lifting time point, the total amount of the digital currency currently stored by the hardware wallet application is larger than a preset first amount threshold, the abnormal transaction times of the hardware wallet application in a preset first time interval are larger than a preset times threshold, and the abnormal transaction total amount of the hardware wallet application in a preset second time interval is larger than a preset second amount threshold.

4. The system of claim 1, wherein the hardware wallet application, after receiving the cash-out instruction:

Determining all the currently deposited digital currencies as the target digital currencies; or alternatively, the process may be performed,

determining at least one digital currency with the total amount not less than the present amount and the minimum total amount in the currently deposited digital currency as the target digital currency; or alternatively, the process may be performed,

and determining at least one digital currency of which the total amount is not less than the present amount and the total amount is closest to the present amount in the currently deposited digital currency as the target digital currency.

5. The system according to claim 3 or 4, wherein, in the presentation path, there is: the method comprises the steps that under the condition that the user opens a bank card account of the target operation mechanism:

after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request;

when the total amount of the target digital currency is equal to the withdrawal amount, generating, by a management mechanism and based on the target digital currency, a digital currency which is the target operating mechanism and has an amount equal to the withdrawal amount for the owner to be stored locally and an amount equal to the withdrawal amount to be added to the bank card account;

When the total amount of the target digital currency is greater than the withdrawal amount, the target operating mechanism further generates a differential digital currency through the management mechanism and based on the target digital currency, and returns the differential digital currency to the terminal application; wherein the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount; and the terminal application sends the received differential digital currency to the hardware wallet application for storage.

6. The system according to claim 3 or 4, wherein the system further comprises: another operating organization different from the target operating organization; and, at the presentation path: the user is presented with a bank card account opened at the other operating mechanism:

after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request;

generating, by a management authority and based on the target digital currency, a digital currency whose owner is the other operation authority and whose amount is equal to the withdrawal amount to be sent to the other operation authority when the total amount of the target digital currency is equal to the withdrawal amount; after receiving the digital currency, the other operation mechanism stores the digital currency locally and increases the amount equal to the withdrawal amount in the bank card account of the other operation mechanism opened by the user;

When the total amount of the target digital currency is greater than the withdrawal amount, the target operating mechanism further generates a differential digital currency through the management mechanism and based on the target digital currency, and returns the differential digital currency to the terminal application; wherein the owner of the differential digital currency is the user, and the amount of the differential digital currency is equal to the difference between the total amount of the target digital currency and the withdrawal amount; the terminal application sends the received differential digital currency to the hardware wallet application for storage.

7. A system according to claim 3, wherein, in the presentation path: mention is made of the user's case of another wallet application that is different from the hardware wallet application and associated with the target operating mechanism:

after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request;

when the total amount of the target digital currency is equal to the withdrawal amount, the target operating mechanism transfers the target digital currency to the other wallet application;

when the total amount of the target digital money is greater than the withdrawal amount, the target operating mechanism generates an equal amount digital money of which the owner is the user and the amount is equal to the withdrawal amount and a difference digital money of which the owner is the user and the amount is equal to the difference between the total amount of the target digital money and the withdrawal amount, through a management mechanism and based on the target digital money, and transfers the equal amount digital money to the other wallet application, and returns the difference digital money to the terminal application; the terminal application sends the received differential digital currency to the hardware wallet application for storage.

8. The system of claim 7, wherein the system further comprises: another operating organization different from the target operating organization; and, at the presentation path: mention is made of a further wallet application of the user, different from the hardware wallet application, and associated with a further operating mechanism different from the target operating mechanism:

after receiving the cash-out request, the target operation mechanism acquires target digital currency carried in the cash-out request;

when the total amount of the target digital money is equal to the withdrawal amount, the target operating mechanism transmits the target digital money to the other operating mechanism; the further operating mechanism transferring the target digital currency to the further wallet application after receiving the target digital currency;

when the total amount of the target digital money is greater than the withdrawal amount, the target operating mechanism generates an equal amount digital money of which the owner is the user and the amount is equal to the withdrawal amount and a difference digital money of which the owner is the user and the amount is equal to the difference between the total amount of the target digital money and the withdrawal amount, through a management mechanism and based on the target digital money, and sends the equal amount digital money to the other operating mechanism, and returns the difference digital money to the terminal application; said further operating mechanism transferring said equal digital currency to said further wallet application after receiving said equal digital currency; the terminal application sends the differential digital currency to the hardware wallet application for deposit after receiving the differential digital currency.

9. The system of claim 7 or 8, wherein another wallet application of the user, different from the hardware wallet application, and associated with the target operating mechanism comprises: a superior wallet of the hardware wallet application;

before the digital currency is transmitted between the hardware wallet application and the target operation mechanism and before the target operation mechanism transmits the digital currency to the other operation mechanism, a sender generates a session key according to a preset rule to encrypt the digital currency to be sent, and a receiver generates the session key according to the rule to decrypt the received encrypted digital currency.

10. A digital money presentation method, characterized in that it is executed by a terminal application installed in a user terminal, the user terminal having a security chip; the method comprises the following steps:

generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on the security chip in response to a user input cash-out command or monitoring that a preconfigured automatic cash-out condition is met;

receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount;

Generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

11. The method of claim 10, wherein the cash-out command includes the cash-out amount and the cash-out path;

when the terminal application generates a rendering instruction by monitoring an automatic rendering condition, the rendering amount and the rendering path in the rendering request are determined by an automatic rendering policy pre-configured in the terminal application.

12. The method of claim 11, wherein the presentation path comprises: presenting a bank card account of the user and/or presenting another wallet application of the user different from the hardware wallet application;

the automatic presentation conditions include at least one of: the current time point reaches a preset automatic lifting time point, the total amount of the digital currency currently stored by the hardware wallet application is larger than a preset first amount threshold, the abnormal transaction times of the hardware wallet application in a preset first time interval are larger than a preset times threshold, and the abnormal transaction total amount of the hardware wallet application in a preset second time interval is larger than a preset second amount threshold.

13. The method of claim 10, wherein the target digital currency is determined according to the steps of: the hardware wallet application, after receiving the rendering instruction:

determining all the currently deposited digital currencies as the target digital currencies; or alternatively, the process may be performed,

determining at least one digital currency with the total amount not less than the present amount and the minimum total amount in the currently deposited digital currency as the target digital currency; or alternatively, the process may be performed,

and determining at least one digital currency of which the total amount is not less than the present amount and the total amount is closest to the present amount in the currently deposited digital currency as the target digital currency.

14. The method according to claim 12, wherein the method further comprises:

when the total amount of the target digital currency is larger than the withdrawal amount, receiving a difference digital currency returned by the target operation mechanism, and sending the difference digital currency to the hardware wallet application for storage; wherein, the liquid crystal display device comprises a liquid crystal display device,

the differential digital currency is generated by the target operating mechanism through a management mechanism and based on the target digital currency, the owner of the differential digital currency is the user, and the sum of the differential digital currency is equal to the difference between the total sum of the target digital currency and the withdrawal sum.

15. The method of claim 12 or 14, wherein another wallet application of the user different from the hardware wallet application comprises: a superior wallet of the hardware wallet application;

before the digital currency is transmitted between the hardware wallet application and the target operation mechanism, a sender generates a session key according to preset rules to encrypt the digital currency to be sent, and a receiver generates the session key according to the rules to decrypt the received encrypted digital currency.

16. The digital currency presenting device is characterized by being arranged in a terminal application installed on a user terminal, wherein the user terminal is provided with a security chip; the device comprises:

a front-end response unit for: generating a cash-out instruction carrying cash amount to send to a hardware wallet application installed on the security chip in response to a user input cash-out command or monitoring that a preconfigured automatic cash-out condition is met;

a receiving unit configured to: receiving at least one target digital currency returned by the hardware wallet application; wherein the target digital currency is selected from currently deposited digital currencies by the hardware wallet application, and the total amount of the target digital currency is not less than the withdrawal amount;

A request unit, configured to: generating a cash out request carrying the target digital currency, the cash out amount and a cash out path is sent to a target operating mechanism associated with the hardware wallet application, so that the target operating mechanism exchanges or transfers the digital currency with the cash out amount according to the cash out path.

17. An electronic device, comprising:

one or more processors;

storage means for storing one or more programs,

when executed by the one or more processors, cause the one or more processors to implement the method of any of claims 10-15.

18. A computer readable storage medium, on which a computer program is stored, characterized in that the program, when being executed by a processor, implements the method according to any of claims 10-15.

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