TW202230247A - Expandable binding type electronic wallet system - Google Patents

Abstract

An expandable binding type electronic wallet system includes a mobile hardware wallet, a plurality of optional mobile communication devices and a master electronic payment device. The mobile hardware wallet is saved with a seed key. Each one of the mobile communication devices has an optional address, and saves the optional address into the mobile hardware wallet. The master mobile payment device obtains the optional addresses from the mobile hardware wallet to accordingly set at least one bound electronic payment device from the optional mobile communication devices, and execute a CKD function calculation to generate at least one expanded seed key to be saved into the mobile hardware wallet, so that the expanded seed key can be read by the bound electronic payment device from the mobile hardware wallet.

Description

Expanded binding electronic wallet system

The present invention relates to an electronic wallet system, in particular to an extended binding electronic wallet system that can be used for extended binding by organizations or individuals.

Due to the rising awareness of environmental protection and changes in shopping patterns, consumers are gradually reducing the use of physical currency to pay for consumption. In addition, on the enterprise side, after receiving the physical currency paid by consumers in the past, based on the need to count and keep the received physical currency, it needs to bear greater labor costs and custody risks.

Since both consumers and enterprises feel that there is a need to use new currency payment methods to meet the needs of new consumption patterns or liquidation of business income, electronic payment technology is gradually being widely used by the general public. In electronic payment, although physical currency is still used as the denomination unit, and electronic vouchers are used for payment, most of the personal data (especially identity verification data), payment calculation data, settlement data and account data are excessively centrally stored Processing in the cloud server is relatively easy for hackers to invade and steal personal information or tamper with transaction records during the process of data verification and transmission between the user using the mobile communication device and the cloud server. In addition, since the current electronic payment still needs to rely on the system resources of financial institutions or system management operators, after the transaction is completed, a part of the transaction fee is usually deducted, resulting in additional losses for the enterprise.

In order to effectively avoid storing most of the transaction data in the cloud server, which may easily be exposed to the risk of transaction records being stolen or tampered with, a new type of transaction method using cryptocurrency payment was born. In the transaction method of cryptocurrency payment, it is through blockchain technology that in the past, the mode of centralized issuance and verification through the center can only rely on decentralized computer nodes to achieve the functions of verification and value transmission, so it can be decentralized. operate.

In the existing cryptocurrency electronic payment system, a cryptocurrency account address and a set of cryptocurrency private keys on the blockchain are used to conduct visas and transactions. For this reason, it is usually necessary to set up a hardware electronic wallet first, and then store a set of encrypted currency private keys in the hardware electronic wallet. If you have to carry a hardware electronic wallet every time you make a transaction, it will increase the inconvenience of use. At the same time, due to the increasing popularity of smart phones, almost everyone carries a smart phone with them. Therefore, software electronic wallet technology has been developed. That is, after installing an electronic wallet application in the smart phone, and after transmitting the encrypted currency private key stored in the hardware electronic wallet to the smart phone, the smart phone uses the encrypted currency private key to execute the electronic wallet application A software electronic wallet is established in the smart phone, so that consumers can use the software electronic wallet of the smart phone to carry out electronic payment and consumption.

Since the hardware electronic wallet stores private information such as the private key of the encrypted currency that needs to be kept secret, it is inconvenient to share with others. Therefore, in the prior art, based on the consideration of protecting the private key of the encrypted currency, each hardware electronic wallet usually Designed for use by a single electronic payment device user only. However, under some specific usage requirements, multiple electronic payment device uses may have specific correlations, requiring a core manager. For example: the same user may have multiple electronic payment devices, and use corresponding electronic payment devices according to different occasions and consumption patterns; another example: in a family or organization, there may be a core manager ( Such as parents or managers in organizations) and multiple surrounding users (such as minor children or grassroots members in organizations).

Under the above-mentioned usage requirements, it is not only very wasteful to let one user buy multiple hardware electronic wallets, or to let each surrounding user buy a hardware electronic wallet and then establish independent software electronic wallets. , and it is inconvenient for the core administrator to manage or monitor multiple electronic payment devices.

In view of the prior art, in the face of the above-mentioned specific usage requirements, there are generally problems that a hardware electronic wallet needs to be purchased, and it is inconvenient for a core administrator to manage or monitor multiple electronic payment devices. The technical means adopted by the present invention to solve the above-mentioned problems in the prior art is to provide an expanded binding electronic wallet system, which includes a mobile hardware electronic wallet, L alternative mobile communication devices and a main electronic payment system device.

The mobile hardware e-wallet stores a seed key. Each alternative mobile communication device stores an alternative account address, and is used for inputting the alternative account address into the mobile hardware electronic wallet. The main electronic payment device is used for reading the seed key and the L above-mentioned alternative account addresses from an automatic mobile hardware electronic wallet, and includes an expansion pairing and binding module and a sub-key derivation function operation module.

The expansion pairing and binding module is used for performing a pairing binding for the L candidate account addresses and setting M pairing and binding account addresses in the L candidate account addresses, so that the L candidate account addresses are The mobile communication device defines M paired and bound electronic payment devices, and transmits the M paired and bound account addresses to the mobile hardware electronic wallet, where L≧M≧1.

The child key derivation function operation module is used to receive M paired and bound account addresses, and perform a child key derivation function (CKD function) operation according to the seed key, thereby deriving and generating N electronic wallets subkey and an extended seed key. The N electronic wallet subkeys are respectively used to resolve the N encrypted currency account addresses corresponding to the N encrypted currencies, so that the main electronic payment device can establish a main software electronic wallet. The operation module of the sub-key derivation function further performs the CKD function operation according to the expanded seed key, thereby deriving and generating M expanded sub-keys corresponding to the M paired and bound account addresses, and transmitting them to the mobile hardware electronic wallet, wherein N ≧1.

After completing the pairing and binding, any one of the M pairing and binding electronic payment devices receives the corresponding expansion seed key from the mobile hardware electronic wallet according to the corresponding pairing and binding account address, and executes the process accordingly. The CKD function is operated to generate N extended electronic wallet subkeys, and according to the N extended electronic wallet subkeys, N extended encrypted currency account addresses corresponding to N kinds of cryptocurrencies are parsed, thereby establishing an extended software electronic wallet.

On the basis of the above necessary technical means, the following auxiliary technical means can be extended. The sub-key derivation function operation module of the main electronic payment device can further use the seed key to perform CKD function operation to generate L account addresses to generate sub-keys, and communicate with the L alternatives through a short-distance communication method The mobile communication device, so as to transmit the L account address generation sub-keys to the corresponding L alternative mobile communication devices, so that each alternative mobile communication device generates one of the sub-keys according to the L account addresses and generates Generate the corresponding alternate account address.

The mobile hardware electronic wallet further includes an account key correspondence table storage unit, and the account key correspondence table storage unit stores an account key correspondence table, so as to store the M extensions corresponding to the M paired and bound account addresses respectively. seed key.

Preferably, regarding the connection method of the blockchain, the expansion-bound electronic wallet system may further include a blockchain management module, and the main electronic payment device or any paired and bound electronic payment device is managed via the blockchain The module is communicatively linked to N cryptocurrency blockchains corresponding to N cryptocurrencies. The blockchain management module may include a blockchain integrator, and the blockchain integrator includes N blockchain connection nodes corresponding to the N cryptocurrency blockchains, so that the main electronic payment device or any The paired and bound electronic payment device is communicatively linked to the corresponding encrypted currency blockchain through one of the N blockchain link nodes.

In order to facilitate the administrator (ie the user of the main electronic payment device) to manage or monitor the M paired and bound electronic payment devices, the blockchain management module may include a balance monitoring module, and the balance monitoring module is electrical Connected to the blockchain integrator, and used to communicate with the master electronic payment device and the M paired and bound electronic payment devices, so that when an insufficient balance event occurs in any paired and bound electronic payment device, an insufficient balance is detected. The signal is communicated to the primary electronic payment device.

In order to reduce the risk of leakage of the seed key or the expansion sub-key, preferably, each alternative mobile communication device can communicate with the mobile hardware electronic wallet by means of short-range communication, so as to transfer the alternative account number to the mobile hardware electronic wallet. The address is entered into the mobile hardware wallet. Not only that, the main electronic payment device can also communicate with the mobile hardware electronic wallet by means of short-range communication, so as to receive the seed key and L alternative account addresses, and bind the M paired account positions. address and M extended seed keys to the mobile hardware electronic wallet. Wherein, the short-range communication means may be a bluetooth communication means or a near-field communication (Near-field communication, NFC) means.

The mobile hardware electronic wallet further has a display, which is used to display a set of one-time passwords (One Time Password) when any pairing and binding electronic payment device is communicated with the mobile hardware electronic wallet after the pairing and binding are completed. -Time Password, OTP) and after inputting the set of one-time passwords in any of the above paired and bound electronic payment devices, the mobile hardware electronic wallet then transmits the corresponding expansion subkey according to the corresponding paired and bound account address. For portability, any one of the primary electronic payment device and the L alternative mobile communication devices can be a smart phone.

Based on the above, in the extended binding electronic wallet system provided by the present invention, the Hierarchical Deterministic (Hierarchical Deterministic) technology and the electronic pairing binding technology of the child key derivation (CKD) function operation are integrated Decentralized record technology with blockchain. Through the one-way derivation and decryption feature of the Hierarchical Deterministic technology of the child key derivation (CKD) function operation, a software electronic wallet that supports multiple cryptocurrencies can be established, thus effectively improving the security of decryption and The convenience of using software e-wallets; through electronic pairing and binding technology, it can meet specific usage needs, simplify the number of mobile hardware e-wallets used, and improve the convenience of management or monitoring; by decentralizing transaction records It is recorded in the cryptocurrency blockchain and cannot be tampered with, which can effectively improve the clarity of transaction records. Undoubtedly, the present invention has significant advantages in enhancing the security of decryption, reducing the number of mobile hardware electronic wallets used, improving the convenience of management or monitoring, and improving the clarity of transaction records. effect.

Because the expanded and bound electronic wallet system provided by the present invention can be widely used in the management and monitoring of software electronic wallets of multiple electronic payment devices by individuals or groups (such as families or institutions), the combination of implementation methods is even more numerous. It is enumerated, so it is not repeated here, and only two preferred embodiments are listed for specific description.

Please refer to the first figure, which is a functional block diagram of the expanded binding electronic wallet system provided by the first embodiment of the present invention before the pairing and binding are completed. As shown in the first figure, an expanded and bound electronic wallet system (hereinafter referred to as "electronic wallet system") 100 includes a mobile hardware electronic wallet 1, L alternative mobile communication devices, a main electronic payment device 3 and A block chain management module 4. In this embodiment, L is equal to 4, so the alternative mobile communication devices 2a-2d are included. In order to facilitate portability, both the primary electronic payment device 3 and the alternative mobile communication devices 2a-2d can be a smart phone.

The mobile hardware electronic wallet 1 includes a sub-key storage unit 11 , an alternative account address storage unit 12 , an account-key correspondence table storage unit 13 and a display 14 . A seed key is stored in the seed key storage unit 11 .

The alternative mobile communication devices 2a to 2d respectively have a child key derivation function (CKD function) operation module (ie, a CKD function operation module) 21a to 21d, and an electronic wallet application (not shown in the figure) is installed. Show).

Each of the alternative mobile communication devices 2a-2d stores a respective alternative account address. When the alternative mobile communication devices 2a-2d are connected to the mobile hardware electronic wallet 1 by means of short-range communication, the respective candidate account addresses can be input into the mobile hardware electronic wallet 1 and stored in the mobile hardware electronic wallet 1. The account address storage unit 12, therefore, the alternative account address storage unit 12 stores a total of four alternative account addresses corresponding to the alternative mobile communication devices 2a-2d.

The main electronic payment device 3 is connected to the mobile hardware electronic wallet 1 by means of short-range communication, and is used to read the seed key from the seed key storage unit 11 and store the seed key from the alternative account address storage unit 12 Read L (four) alternate account addresses. In addition, the main electronic payment device 3 also includes an expansion pairing and binding module 31 and a sub-key derivation function calculation module (ie, a CKD function calculation module) 32, and an electronic wallet application (not shown) is installed.

The expansion pairing and binding module 31 has an expansion binding setting interface 311 . The CKD function operation module 32 performs a child key derivation function (child key derivation function; CKD function) operation according to the seed key, thereby deriving and generating N electronic wallet child keys and an extended seed key. The N electronic wallet subkeys are respectively used to resolve the N cryptocurrency account addresses corresponding to the N cryptocurrencies. After the electronic wallet application (not shown) is executed according to the N electronic wallet subkeys and the N cryptocurrency account addresses, a main software electronic wallet 33 can be created in the main electronic payment device 3 , where N≧1. In this embodiment, three cryptocurrencies, Bitcoin, Ether and Litecoin, are supported, so N=3.

After the main electronic payment device 3 completes the establishment of the main software electronic wallet 33 , it can be communicatively connected to the blockchain management module 4 . The blockchain management module 4 includes a blockchain integrator 41, and the blockchain integrator 41 includes a BTC blockchain connection node 411, an ETH blockchain connection node 412 and an LTC blockchain connection Node 413 and other three encrypted currency blockchain connection nodes, and the BTC blockchain connection node 411, ETH blockchain connection node 412 and LTC blockchain connection node 413 respectively correspond to a BTC blockchain 200a, an ETH area Blockchain 200b and an LTC Blockchain 200c.

Therefore, when the user of the main electronic payment device 3 needs to use the main software electronic wallet 33 for transactions, it can communicate through the BTC blockchain connection node 411 , the ETH blockchain connection node 412 or the LTC blockchain connection node 413 Link to BTC blockchain 200a, ETH blockchain 200b or LTC blockchain 200c. In addition, preferably, in this embodiment, the four candidate account addresses stored in the candidate mobile communication devices 2a-2d can be generated by the following preferred methods. In this preferred generation method, the CKD function operation module 32 of the main electronic payment device 3 further uses the seed key to perform CKD function operation to generate L account addresses to generate sub-keys, and use a short-distance communication means to communicate with L (ie four) alternative mobile communication devices 2a~2d, so as to transmit L (ie four) account address generation subkeys to L (ie four) alternative actions respectively The communication device enables each alternative mobile communication device to generate a corresponding alternative account address according to one of the L (ie four) account addresses to generate one of the sub-keys.

Please continue to refer to the second figure, which shows that the second figure is a functional block diagram of the expanded and bound electronic wallet system provided by the first embodiment of the present invention after the pairing and binding are completed. At the same time, please refer to the first picture. As shown in the first and second figures, after the main electronic payment device 3 reads L (four) alternative account addresses from the alternative account address storage unit 12 by means of short-distance communication, the A pairing and binding is performed by the expansion binding setting interface 311 of the expansion pairing binding module 31 . When the electronic wallet system 100 is used for electronic wallet management of a family, the content presented by the extended binding setting interface 311 can be as shown in Table 1.

Table 1: Contents presented in the extension binding setting interface Alternative mobile communication device code user Alternate account address Pair binding 2a Li Xiaoming address 0001 N 2b Li Xiaoqiang address 0002 Y 2c Li Xiaohua address 0003 Y 2d Li Xiaomei address 0004 N

Suppose that there is a parent and four children, Li Xiaoming, Li Xiaoqiang, Li Xiaohua and Li Xiaomei in the family who use the above four alternative mobile communication devices 2a~2d respectively. With Li Xiaomei, there is no need to use electronic wallets for consumption. At this time, parents can use the extended binding setting interface 311 to perform pairing and binding, and set M (two in this embodiment, that is, M=2) backup account addresses among the L (in this embodiment, L=2) candidate account addresses. Select the account address (ie address 0002 and address 0003) to be set as the pairing binding account address, corresponding to M (ie 2) alternative actions of the pairing binding account address (ie address 0002 and address 0003) The communication devices 2b and 2c can be defined as paired and bound electronic payment devices 2b' and 2c'. After completing the pairing and binding, the expansion pairing and binding module 31 can transmit M (ie, 2) pairing and binding account addresses (ie, the address 0002 and the address 0003) to the mobile hardware electronic wallet 1, where L ≧M≧1.

After completing the pairing and binding, the CKD function operation module 32 further performs the CKD function operation according to the expanded seed key, thereby deriving and generating M (ie, 2) expansions corresponding to the M (ie, 2) pairing and binding account addresses. sub-key, and send it to the mobile hardware electronic wallet 1.

The mobile hardware electronic wallet 1 sequentially receives M (ie, 2) pairings corresponding to the binding account addresses (ie, addresses 0002 and 0003) and M (ie, 2) pairs by means of short-range communication. After binding the expanded sub-key of the account address, it will pair the bound account address (ie address 0002 and address 0003) with the corresponding expanded sub-key to create an account key correspondence table and assign the account password. The key correspondence table is stored in the account key correspondence table storage unit 13 .

After completing the above steps, when Li Xiaoqiang or Li Xiaohua hold the paired and bound electronic payment devices 2b' and 2c' to communicate with the mobile hardware electronic wallet 1 by the above short-range communication means, the display of the mobile hardware electronic wallet 1 14 will display a set of One-Time Password (OTP) valid within a certain period of time (such as within 1 minute). At this time, Li Xiaoqiang or Li Xiaohua can view the set of one-time passwords displayed on the display 14, and Use the pairing and binding electronic payment devices 2b' and 2c' to input and transmit the set of one-time passwords. After the mobile hardware electronic wallet 1 confirms that it is correct, the mobile hardware electronic wallet 1 can pair the binding account address ( That is, the extended subkey corresponding to the address 0002 or the address 0003) is sent to the paired and bound electronic payment devices 2b' and 2c'.

After the paired and bound electronic payment devices 2b' and 2c' receive the expanded subkey, the CKD function operation module 21b or 21c in the paired and bound electronic payment devices 2b' and 2c' can perform the CKD function operation to generate N (i.e. 3) extended e-wallet subkeys, and parsed according to N (i.e. 3) extended e-wallet subkeys corresponding to N (i.e. bitcoin, ether and litecoin) cryptocurrencies. N (i.e. 3) augmented cryptocurrency account addresses. After executing the electronic wallet application (not shown) according to the N (ie 3) extended e-wallet subkeys and the N (ie 3) extended cryptocurrency account addresses, the electronic payment device 2b can be paired and bound 'or 2c' to create an extended software electronic wallet 22b or an extended software electronic wallet 22c.

Similar to the main electronic payment device 3, when the user (ie Li Xiaoqiang or Li Xiaohua) of the paired and bound electronic payment device 2b' and 2c' needs to use the main software electronic wallet 33 to conduct transactions, the nodes can be connected through the BTC blockchain 411. The ETH blockchain connection node 412 or the LTC blockchain connection node 413 is communicatively connected to the BTC blockchain 200a, the ETH blockchain 200b or the LTC blockchain 200c.

The above-mentioned CKD function operation is a hierarchical deterministic technology conforming to the BIP-32/BIP-44 standard. After one CKD function operation on the seed key, multiple sub-keys (first-generation sub-keys) can be deduced; each sub-key can be deduced by one CKD function operation to derive multiple grandchild keys (second-generation sub-keys) ), each grandchild key can be deduced by one CKD function operation to derive multiple great-grandchild keys (third-generation child keys), and so on. The characteristics of CKD function operation are one-way derivation and hierarchical confirmation, that is, only the sub-key can be derived from the seed key, but the seed key cannot be reversely derived from the sub-key, so that the confirmation can be derived hierarchically. In this embodiment, the first-generation sub-keys are the above-mentioned N (that is, 3) electronic wallet sub-keys and the above-mentioned extended seed keys, and the second-generation sub-keys are the above-mentioned M (that is, 3) electronic wallet sub-keys. 2) expansion sub-keys, and the third-generation sub-key is the above-mentioned N (that is, 3) expanded electronic wallet sub-keys.

The above-mentioned short-range communication means may be a bluetooth communication means, a near-field communication (Near-field communication, NFC) means or other communication means capable of short-distance communication.

Please continue to refer to the third and fourth figures, wherein the third figure shows the functional block diagram of the expanded binding electronic wallet system provided by the second embodiment of the present invention before the pairing and binding are completed; the fourth figure shows A functional block diagram of the expanded binding electronic wallet system provided by the second embodiment of the present invention after the pairing and binding are completed. As shown in Figures 3 and 4, in this embodiment, the electronic wallet system 100 in the first embodiment is mainly replaced by another electronic wallet system 100a. The main difference is that in the electronic wallet system 100a, the blockchain management module 4 is replaced by another blockchain management module 4a. The difference between the two is that the blockchain management module 4a includes the above blocks in addition to the The chain integrator 41 and the BTC blockchain connection node 411 , the ETH blockchain connection node 412 and the LTC blockchain connection node 413 included therein also include a balance monitoring module 42 .

The balance monitoring module 42 is electrically connected to the blockchain integrator 41 and used to communicate with the main electronic payment device 3 and M (ie 2) paired and bound electronic payment devices 2b' and 2c', so as to monitor the pairing Bind the balances of the above three cryptocurrencies (and bitcoin, ether and litecoin) in the expansion software electronic wallets 22b and 22c corresponding to the electronic payment devices 2b' and 2c'.

When the balance monitoring module 42 monitors that any paired and bound electronic payment device (ie, the paired and bound electronic payment device 2b' or 2c') has an insufficient balance event, it transmits an insufficient balance signal to the main electronic payment device 3 . When the master electronic payment device 3 receives the insufficient balance signal, it can know from the balance monitoring module 42 which one of the paired and bound electronic payment devices 2b' and 2c' has insufficient balance, and the remaining balance, etc. This enables the user of the main electronic payment device 3 to increase the balance by transferring funds or purchasing encrypted currency after obtaining the above-mentioned information. The balance insufficient event can be an event when the balance is less than a set lower limit.

In the above embodiments, the usage scenarios in which the electronic wallet system 100 or 100a is applied in the family are mainly listed. However, it must be emphasized that the electronic wallet system 100 or 100a can also be applied to pair and bind multiple alternative mobile communication devices of an individual, so that the alternative mobile communication device that has completed the pairing and binding becomes the pairing and binding electronic device. payment device. In this case, the users of the above-mentioned primary electronic payment device 3 and the alternative mobile communication devices 2a-2d are the same person.

In addition, the electronic wallet system 100 or 100a can also be applied to pair and bind the alternative mobile communication devices of each member of the organization. At this time, the user of the main electronic payment device 3 may be the financial manager of the organization, and the users of the alternate mobile communication devices 2a-2d may be the remaining members of the organization.

To sum up the above, in the electronic wallet system 100 or 100a provided by the present invention, the Hierarchical Deterministic (Hierarchical Deterministic) technology and the electronic pairing binding technology of the child key derivation (CKD) function operation are integrated Decentralized record technology with blockchain. Through the one-way derivation and decryption feature of the Hierarchical Deterministic technology of the child key derivation (CKD) function operation, a software electronic wallet that supports multiple cryptocurrencies can be established, thus effectively improving the security of decryption and The convenience of using software e-wallets; through electronic pairing and binding technology, it can meet specific usage needs, simplify the number of mobile hardware e-wallets used, and improve the convenience of management or monitoring; by decentralizing transaction records It is recorded in the cryptocurrency blockchain and cannot be tampered with, which can effectively improve the clarity of transaction records. Undoubtedly, the present invention has significant advantages in enhancing the security of decryption, reducing the number of mobile hardware electronic wallets used, improving the convenience of management or monitoring, and improving the clarity of transaction records. effect.

Through the detailed description of the preferred embodiments above, it is hoped that the features and spirit of the present invention can be described more clearly, and the scope of the present invention is not limited by the preferred embodiments disclosed above. On the contrary, the intention is to cover various modifications and equivalent arrangements within the scope of the claimed scope of the present invention.

100,100a: Electronic Wallet System 1: Mobile hardware electronic wallet 11: Seed key storage unit 12: Alternate account address storage unit 13: Account key correspondence table storage unit 14: Display 2a~2d: Alternative mobile communication devices 2b', 2c': pairing and binding electronic payment device 21a~21d: CKD function operation module 22b, 22c: Extended software e-wallet 3: The main electronic payment device 31: Expand the pairing and binding module 311: Expand the binding setting interface 32: CKD function operation module 33: Main Software Wallet 4,4a: Blockchain Management Module 41: Blockchain Integrator 411: BTC blockchain connection node 412: ETH blockchain connection node 413: LTC blockchain connection node 42: Balance monitoring module 200a: BTC Blockchain 200b: ETH Blockchain 200c: LTC Blockchain

The first figure is a functional block diagram of the expanded binding electronic wallet system provided by the first embodiment of the present invention before the pairing and binding are completed; The second figure is a functional block diagram of the expanded binding electronic wallet system provided by the first embodiment of the present invention after the pairing and binding are completed; Figure 3 is a functional block diagram of the expanded binding electronic wallet system provided by the second embodiment of the present invention before the pairing and binding are completed; and The fourth figure is a functional block diagram of the expanded binding electronic wallet system provided by the second embodiment of the present invention after the pairing and binding are completed.

100: Electronic Wallet System

1: Mobile hardware electronic wallet

11: Seed key storage unit

12: Alternate account address storage unit

13: Account key correspondence table storage unit

14: Display

2a, 2d: Alternative mobile communication devices

2b', 2c': pairing and binding electronic payment device

21a~21d: CKD function operation module

22b, 22c: Extended software e-wallet

3: The main electronic payment device

31: Expand the pairing and binding module

311: Expand the binding setting interface

32: CKD function operation module

33: Main Software Wallet

4: Blockchain management module

41: Blockchain Integrator

411: BTC blockchain connection node

412: ETH blockchain connection node

413: LTC blockchain connection node

200a: BTC Blockchain

200b: ETH Blockchain

200c: LTC Blockchain

Claims (11)

An expanded binding electronic wallet system, comprising: a mobile hardware electronic wallet, which stores a seed key; L alternative mobile communication devices, each alternative mobile communication device stores an alternative account address, and is used for inputting the alternative account address into the mobile hardware electronic wallet; A primary electronic payment device for reading the seed key and the L above-mentioned alternative account addresses from the mobile hardware electronic wallet, and comprising: An expansion pairing and binding module is used for performing a pairing binding on the L candidate account addresses and setting M pairing and binding account addresses in the L candidate account addresses. M paired and bound electronic payment devices are defined in the L alternative mobile communication devices, and the M paired and bound account addresses are transmitted to the mobile hardware electronic wallet, where L≧M≧1; A child key derivation function operation module is used to receive the M paired binding account addresses, and perform a child key derivation function (child key derivation function; CKD function) operation according to the seed key, so as to derive and generate There are N electronic wallet subkeys and an extended seed key. The N electronic wallet subkeys are respectively used to resolve N cryptocurrency account addresses corresponding to N cryptocurrencies, so as to enable the main electronic payment device A main software electronic wallet is established, and the sub-key derivation function operation module further performs the CKD function operation according to the expanded seed key, thereby deriving and generating M expanded sub-keys corresponding to the M paired and bound account addresses, And send it to the mobile hardware electronic wallet, where N≧1; Wherein, after completing the pairing and binding, any one of the M pairing-bound electronic payment devices receives the corresponding expansion subkey from the mobile hardware electronic wallet according to the corresponding pairing and binding account address , according to the operation of the CKD function to generate N extended electronic wallet subkeys, and according to the N extended electronic wallet subkeys to resolve the N extended encrypted currency account addresses corresponding to the N encrypted currencies, so as to Create an extended software e-wallet. The extended binding electronic wallet system according to claim 1, wherein the subkey derivation function operation module of the main electronic payment device further utilizes the seed key to perform the CKD function operation to generate L account addresses generating sub-keys, and communicating with the L alternative mobile communication devices through a short-range communication means, so as to transmit the L account address generation sub-keys to the corresponding L alternative mobile communication devices , so that each candidate mobile communication device generates one of the subkeys according to the L account addresses to generate and store the corresponding candidate account address. The expansion binding electronic wallet system according to claim 1, wherein the mobile hardware electronic wallet further comprises an account key correspondence table storage unit, and the account key correspondence table storage unit stores an account key correspondence table The table is used to store the above-mentioned M expanded seed keys corresponding to the M paired binding account addresses respectively. The expanded and bound electronic wallet system as claimed in claim 1, further comprising a block chain management module, and the master electronic payment device or any of the M paired and bound electronic payment devices are managed via the block chain The module is communicatively linked to N cryptocurrency blockchains corresponding to the N cryptocurrencies. The expansion-bound electronic wallet system according to claim 4, wherein the blockchain management module includes a blockchain integrator, and the blockchain integrator includes N corresponding to N cryptocurrency areas respectively A blockchain link node of the blockchain, whereby the master electronic payment device or any of the M paired and bound electronic payment devices are communicatively linked to the corresponding cryptocurrency block via one of the N blockchain link nodes chain. The expansion-bound electronic wallet system according to claim 5, wherein the blockchain management module includes a balance monitoring module, and the balance monitoring module is electrically connected to the blockchain integrator, and uses Communication is connected to the master electronic payment device and the M paired and bound electronic payment devices, so as to transmit an insufficient balance signal to the M paired and bound electronic payment devices when an insufficient balance event occurs in any one of the M paired and bound electronic payment devices. Primary electronic payment device. The extended binding electronic wallet system as claimed in claim 1, wherein each of the L alternative mobile communication devices is communicatively connected to the mobile hardware electronic wallet by a short-range communication means, thereby the An alternate account address is entered into the mobile hardware wallet. The extended binding electronic wallet system of claim 1, wherein the main electronic payment device is communicatively connected to the mobile hardware electronic wallet by a short-range communication means, so as to receive the seed key and the There are L candidate account addresses, and the M paired and bound account addresses and the M extended seed keys are sent to the mobile hardware electronic wallet. The extended binding electronic wallet system according to claim 7 or 8, wherein the short-range communication means is one of a bluetooth communication means and a near-field communication (Near-field communication, NFC) means . The expansion and binding electronic wallet system as claimed in claim 1, wherein the mobile hardware electronic wallet further has a display, and the display is used for when any one of the M pairing bindings is completed after the pairing binding is completed. When the electronic payment device is communicatively connected to the mobile hardware electronic wallet, a set of one-time passwords (One-Time Password, OTP) is displayed, and the set of one-time passwords is input in any of the M paired and bound electronic payment devices. Afterwards, the mobile hardware electronic wallet transmits the corresponding expansion subkey according to the corresponding pairing and binding account address. The expanded binding electronic wallet system as claimed in claim 1, wherein any one of the primary electronic payment device and the L alternative mobile communication devices is a smart phone.

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