WO2025140127A1 - Digital currency hardware wallet setting up method and apparatus - Google Patents

Abstract

The present disclosure relates to the technical field of computers. Disclosed are a digital currency hardware wallet setting up method and an apparatus. A specific embodiment of the method comprises: in response to a digital currency hardware wallet setting up request, establishing a communication connection with a subscriber identity module card; acquiring a digital currency software wallet associated with a hardware wallet and selected by a user and, on the basis of real-name information of the software wallet and the real-name information of the subscriber identity module card, performing real-name verification; when the real-name verification has passed, sending hardware wallet setting up application information to a wallet operating agency, so that the wallet operating agency generates related hardware wallet data information; and, in response to having received the related hardware wallet data information, writing the related hardware wallet data information into the subscriber identity module card, thus completing hardware wallet setting up. The embodiment allows set up hardware wallets to simultaneously adapt to various operating systems, so that the hardware wallets have a wider range of usage; and enhances the security of using the digital currency hardware wallets.

Description

Method and device for opening a digital currency hard wallet Technical Field

The present disclosure relates to the field of computer technology, and in particular to a method and device for opening a digital currency hard wallet.

Background Art

At present, the hardware carriers of digital currency hard wallets mainly include IC cards (Integrated Circuit Card, also known as smart cards, microcircuit cards or microchip cards, etc.), wearable devices, Android phone SE (Securit6 Element, which refers to security elements, is a secure storage device for storing important data) secure storage, etc. When opening a digital currency hard wallet, different methods will be adopted for different forms of hardware carriers. Among them, most of the hard wallets in IC cards and wearable devices are pre-written and do not support over-the-air downloads; although the hard wallets in Android phone SE are downloaded over-the-air, once written, the mobile device cannot be replaced, and the hardware device does not have the real-name function.

In the process of implementing the present disclosure, the inventors found that there are at least the following problems in the prior art:

The operating system permissions of the hardware carrier of the hard wallet are limited, and it cannot adapt to various operating systems at the same time, which brings certain limitations to the opening of the hard wallet; the hardware carrier of the hard wallet has no real-name information, which greatly reduces the security of the use of the hard wallet.

Summary of the invention

In view of this, the embodiments of the present disclosure provide a method and device for opening a digital currency hard wallet, which can open a digital currency hard wallet based on a user identification card SIM card. Based on the compatibility of the SIM card with identification devices such as mobile phones, the SIM card hard wallet can cover various operating systems, that is, it covers all network users and all mobile terminal users, so that the opened hard wallet can be adapted to various operating systems at the same time, and the hard wallet has a wider range of use; at the same time, the user identification card SIM card is used as the hardware carrier of the hard wallet, and real-name verification is performed based on the real-name information of the digital currency soft wallet and the real-name information of the SIM card, and the hard wallet is opened when the real-name information is consistent, thereby enhancing the security of the use of the digital currency hard wallet.

To achieve the above object, according to one aspect of an embodiment of the present disclosure, a method for opening a digital currency hard wallet is provided, comprising:

In response to the digital currency hard wallet opening request, establish a communication connection with the user identification card;

Obtaining a digital currency soft wallet associated with the hard wallet selected by the user, and performing real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card;

If the real-name verification is passed, the hard wallet opening application information is sent to the wallet operating institution, so that the wallet operating institution generates data information related to the hard wallet;

In response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the hard wallet opening.

Optionally, establishing a communication connection with a user identification card includes: for a first type of operating system, performing command communications with the user identification card through an open mobile interface of the operating system's machine-card channel to establish a communication connection; for a second type of operating system, performing command communications with the user identification card through a Bluetooth channel protocol provided by the operator to establish a communication connection.

Optionally, before obtaining the digital currency soft wallet associated with the hard wallet selected by the user, it also includes: confirming that the user identification card supports opening a hard wallet and has an opened soft wallet.

Optionally, after establishing a communication connection with the user identification card, it also includes: obtaining a unique identifier of the user identification card; performing real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card, including: obtaining the real-name information of the user identification card based on the unique identifier of the user identification card through the operator, and comparing the real-name information of the soft wallet with the real-name information of the user identification card; and detecting whether there is a hard wallet opened by the soft wallet in the user identification card.

Optionally, before sending the hard wallet opening application information to the wallet operating institution, it also includes: performing user identity authentication based on the user payment information of the soft wallet, and confirming that the user identity authentication is passed; and generating the hard wallet opening application information based on the wallet identification and real-name information of the soft wallet.

Optionally, writing the hard wallet related data information into the user identification card includes: sending a data information write instruction to the user identification card to create an auxiliary security domain, and writing the hard wallet related data information into the user identification card, wherein the hard wallet related data information includes hard wallet application data, personalized data and key information.

Optionally, after writing the hard wallet related data information into the user identification card, the method further includes: sending a notification of successful writing to an available service management platform, and notifying the wallet operating organization through the available service management platform.

According to another aspect of an embodiment of the present disclosure, a device for opening a digital currency hard wallet is provided, comprising:

A connection establishment module, configured to establish a communication connection with a user identification card in response to a digital currency hard wallet opening request;

A real-name verification module is configured to obtain a digital currency soft wallet associated with a hard wallet selected by a user, and perform real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card;

A hard wallet data generation module is configured to send the hard wallet opening application information to the wallet operating institution when the real-name verification is passed, so that the wallet operating institution generates data information related to the hard wallet;

The hard wallet data writing module is configured to write the hard wallet related data information into the user identification card in response to receiving the hard wallet related data information to complete the hard wallet opening.

According to another aspect of an embodiment of the present disclosure, an electronic device is provided, comprising: one or more processors; a storage device configured to store one or more programs, and when the one or more programs are executed by the one or more processors, the one or more processors implement the method for opening a digital currency hard wallet provided by an embodiment of the present disclosure.

According to another aspect of an embodiment of the present disclosure, a computer-readable medium is provided, on which a computer program is stored, and when the program is executed by a processor, the method for opening a digital currency hard wallet provided in the embodiment of the present disclosure is implemented.

An embodiment of the above invention has the following advantages or beneficial effects: by responding to a digital currency hard wallet opening request, a communication connection is established with a user identification card; a digital currency soft wallet selected by a user and associated with the hard wallet is obtained, and a real-name verification is performed based on the real-name information of the soft wallet and the real-name information of the user identification card; if the real-name verification passes, the hard wallet opening application information is sent to a wallet operating institution so that the wallet operating institution generates hard wallet related data information; in response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the hard wallet opening technical solution, which can be The digital currency hard wallet is opened based on the user identification card SIM card. Based on the compatibility of the SIM card with mobile phones and other identification devices, the SIM card hard wallet can cover various operating systems, that is, it covers all network users and all mobile terminal users, so that the opened hard wallet can be adapted to various operating systems at the same time, and the hard wallet has a wider range of use. At the same time, the user identification card SIM card is used as the hardware carrier of the hard wallet, and real-name verification is performed based on the real-name information of the digital currency soft wallet and the real-name information of the SIM card. The hard wallet is opened when the real-name information is consistent, which enhances the security of the use of the digital currency hard wallet.

The further effects of the above-mentioned non-conventional optional manner will be described below in conjunction with the specific implementation manner.

BRIEF DESCRIPTION OF THE DRAWINGS

The accompanying drawings are used to better understand the present disclosure and do not constitute an improper limitation on the present disclosure.

FIG1 is a schematic diagram of the main steps of a method for opening a digital currency hard wallet according to an embodiment of the present disclosure;

FIG2 is a schematic diagram of a process of writing data information related to a hard wallet according to an embodiment of the present disclosure;

FIG3 is a schematic diagram of a process of writing data information related to a hard wallet according to another embodiment of the present disclosure;

FIG4 is a flowchart of the opening process of a digital currency hard wallet according to an embodiment of the present disclosure;

FIG5 is a schematic diagram of main modules of a device for opening a digital currency hard wallet according to an embodiment of the present disclosure;

FIG6 is a diagram of an exemplary system architecture in which embodiments of the present disclosure may be applied;

FIG. 7 is a schematic diagram of the structure of a computer system of a terminal device or a server suitable for implementing an embodiment of the present disclosure.

DETAILED DESCRIPTION

The following is a description of exemplary embodiments of the present disclosure in conjunction with the accompanying drawings, including various details of the embodiments of the present disclosure to facilitate understanding, which should be considered as merely exemplary. Therefore, it should be recognized by those of ordinary skill in the art that various changes and modifications may be made to the embodiments described herein without departing from the scope and spirit of the present disclosure. Similarly, for the sake of clarity and conciseness, descriptions of well-known functions and structures are omitted in the following description.

It should be noted that the collection, collection, updating, analysis, processing, use, transmission, storage and other aspects of user personal information involved in the technical solution disclosed in this disclosure are in compliance with the provisions of relevant laws and regulations, are used for legitimate purposes, and do not violate public order and good morals. Necessary measures are taken for user personal information to prevent illegal access to user personal information data and maintain the security of user personal information, network security and national security.

In order to solve the technical problems existing in the prior art, the present disclosure provides a method for opening a digital currency hard wallet, which can associate a personal soft wallet of digital currency with a subscriber identification module (SIM) card, write the hard wallet information into the SIM card, and compare the real-name information of the personal soft wallet with the real-name information of the operator's SIM card when opening the hard wallet. If they are consistent, the hard wallet can continue to be opened. In addition, the SIM card hard wallet can be opened on different types of operating systems (for example, Android system, iOS system, etc.). For different operating systems, the SIM card can be accessed by establishing a connection with the subscriber identification card SIM card, so that the hard wallet related data information (for example, including card application files, personalized data, key information, etc.) can be written into the SIM card. When in use, insert the SIM card into the identification terminal of the subscriber identification card such as a mobile phone, and touch the payment terminal to complete the digital currency payment.

In the embodiments of the present disclosure, digital currency is, for example, digital RMB, a digital currency soft wallet refers to a digital wallet installed on a mobile device such as a mobile phone, and a digital currency hard wallet refers to a wallet that uses a physical device for storage and management. A digital currency hard wallet is a sub-wallet of a digital currency soft wallet.

In an embodiment of the present disclosure, a user can open a hard wallet online through an application APP (for example: digital RMB APP). After the APP identifies the user information, it initiates an application to the available service management platform TSM (Trusted Service Manager). TSM applies to the operator of the digital currency wallet for the hard wallet application data, and after the application, it notifies the mobile phone APP to write it to the SIM card.

Different operating systems can use different methods to establish a communication connection between the APP and the user identification card. For example, if the operating system is Android, the APP communicates with the SIM card through the open mobile interface OMA (OPEN MOBILE API) of the mobile phone system's machine-card channel; if it is iOS, the APP needs to complete the pairing connection with the Bluetooth SIM card and communicate with the Bluetooth SIM card through the Bluetooth channel protocol provided by the operator.

In the embodiment of the present disclosure, before the hard wallet is opened, it is necessary to compare the digital information of the personal soft wallet account with the operator's SIM card real-name information to see if they are consistent. After the consistency check, the hard wallet is opened to generate hard wallet application data, personal data and key information. Then, the generated hard wallet application data, personal data and key information are written into the SIM. After the writing is completed, the hard wallet is successfully opened.

The SIM card hard wallet is a sub-wallet under the personal soft wallet. It has a parent-child relationship with the personal soft wallet and shares the balance and payment limit of the soft wallet. After the SIM card hard wallet is opened, the identification device (such as mobile phone, phone watch, etc.) into which the SIM card is inserted has the ability to pay with digital currency. The identification device can be used for payment in the screen-off, screen-on, and power-off states. The payment can be completed by touching the identification device to the POS terminal. When touching the POS terminal, if it is an Android system, the NFC (Near Field Communication) area of the phone can be placed close to the POS (point of sale) terminal. If it is an iOS system, the SIM card slot of the phone can be placed close to the POS terminal. When making a payment, the balance is deducted from the personal soft wallet associated with the SIM card hard wallet.

Fig. 1 is a schematic diagram of the main steps of the method for opening a digital currency hard wallet according to an embodiment of the present disclosure. As shown in Fig. 1, the method for opening a digital currency hard wallet according to an embodiment of the present disclosure mainly includes the following steps S101 to S104.

Step S101: In response to a request to open a digital currency hard wallet, establish a communication connection with a user identification card. After the user initiates a hard wallet opening request on the digital currency application APP of the SIM card identification terminal (e.g., mobile phone), the APP of the SIM card identification terminal needs to connect to the SIM card first to facilitate subsequent real-name verification and write the hard wallet related data information into the SIM card. In addition, after establishing a communication connection with the user identification card, the unique identification of the user identification card can also be obtained, such as the number of the user identification card and other information that can uniquely identify the user identification card.

According to an embodiment of the present disclosure, establishing a communication connection with a user identification card may specifically include: for a first type of operating system, communicating with the user identification card through an open mobile interface of a machine-card channel of the operating system to establish a communication connection; for a second type of operating system, communicating with the user identification card through a Bluetooth channel protocol provided by an operator to establish a communication connection. The first type of operating system is, for example, an Android system, and the second type of operating system is, for example, an iOS system.

If it is an Android system, the APP communicates commands with the SIM card through the OMA interface of the operating system's machine-card channel; if it is an iOS system, the APP needs to complete the pairing connection with the Bluetooth SIM card and communicate commands through the Bluetooth channel protocol provided by the operator. Specifically, the user first initiates a Bluetooth search request in the APP, selects the Bluetooth SIM card to be connected, enters the Bluetooth pairing code for verification, and establishes a connection between the APP and the SIM card. If the pairing code needs to be entered for the first pairing, the user does not need to enter the pairing code again when connecting to a Bluetooth SIM card that has been paired before. At the same time, it is also necessary to support the handling of various abnormal situations when connecting to the SIM card.

Step S102: obtaining a digital currency soft wallet associated with a hard wallet selected by a user, and performing real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card.

According to one embodiment of the present disclosure, before obtaining the digital currency soft wallet associated with the hard wallet selected by the user, it may also include: confirming that the user identification card supports the opening of a hard wallet and has an opened soft wallet. That is to say, after establishing a communication connection with the user identification card SIM card, the present disclosure needs to first determine whether the SIM card is a device that supports the opening of a hard wallet. If it supports, the user is guided to select a soft wallet for association. If the user has not opened a personal soft wallet, the soft wallet needs to be opened first. If the SIM card supports the opening of a hard wallet and the user has opened a soft wallet, the user is guided to select a soft wallet for association with the hard wallet to be opened. Afterwards, the digital currency soft wallet associated with the hard wallet selected by the user is obtained, and a real-name verification is performed.

According to an embodiment of the present disclosure, after establishing a communication connection with a user identification card, it also includes: obtaining a unique identifier of the user identification card. Through the unique identifier of the user identification card, the operator of the user identification card can obtain the real-name information of the user identification card. Performing real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card may specifically include: obtaining the real-name information of the user identification card based on the unique identifier of the user identification card by the operator, and comparing the real-name information of the soft wallet with the real-name information of the user identification card; and detecting whether there is a hard wallet opened by the soft wallet in the user identification card. Specifically, the APP can call the operator background service interface of the SIM card to send the mobile phone number information bound to the digital currency soft wallet and the unique identifier of the SIM card to the operator of the SIM card. The operator of the SIM card first obtains the mobile phone number information of the SIM card according to the unique identifier of the SIM card, and then compares the mobile phone number information bound to the soft wallet with the mobile phone number information of the SIM card to determine whether the mobile phone number information bound to the soft wallet is consistent with the mobile phone number information of the SIM card or is an auxiliary card number relationship. If so, it means that the real-name information comparison has passed; and, through the operator of the SIM card, it is determined whether there is a hard wallet opened by other soft wallets in the SIM card. If not, it means that the hard wallet can be opened.

By using the user identification card as the carrier of the hard wallet, the carrier of the hard wallet can have real-name information, so that real-name verification can be performed, so that the digital currency soft wallet and the hard wallet maintain consistent real-name, thereby greatly improving the security of using the digital currency hard wallet.

Step S103: When the real-name verification is passed, the hard wallet opening application information is sent to the wallet operating institution, so that the wallet operating institution generates data information related to the hard wallet.

According to an embodiment of the present disclosure, when the real-name verification is passed, before the hard wallet opening application information is sent to the wallet operating institution, it also includes: performing user identity authentication based on the user payment information of the soft wallet, and confirming that the user identity authentication is passed; and generating hard wallet opening application information based on the wallet identification and real-name information of the soft wallet. Specifically, the user payment information is, for example, a wallet payment password. After the real-name verification is passed, the APP will prompt the user to enter the wallet payment password, and perform user identity authentication based on the wallet payment password. After the verification is passed, a payment service agreement can also be signed with the user. Afterwards, the hard wallet opening application information is generated based on the wallet identification and real-name information (for example, mobile phone number) of the soft wallet selected by the user. The hard wallet opening information can also include, for example, a signed payment service agreement, etc.

After the hard wallet opening application information is generated, the hard wallet opening application information can be sent to the wallet operating organization, so that the wallet operating organization can generate hard wallet related data information and send the hard wallet related data information to the available service management platform TSM platform. After receiving the hard wallet related data information, the TSM platform forwards it to the APP.

Step S104: In response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the opening of the hard wallet.

According to one embodiment of the present disclosure, writing the hard wallet related data information into the user identification card may specifically include: sending a data information write instruction to the user identification card to create an auxiliary security domain, and writing the hard wallet related data information into the user identification card, wherein the hard wallet related data information includes hard wallet application data, personalized data and key information. Specifically, after receiving the hard wallet related data information, the APP sends a download and install APDU instruction to the SIM card, wherein APDU (Application Protocol Data Unit) is an information unit transmitted between a smart card and a smart card reader. The download and install APDU instruction is to write the hard wallet related data information into the user identification card.

According to an embodiment of the present disclosure, after writing the data information related to the hard wallet into the user identification card, it also includes: sending a notification of successful writing to the available service management platform, and notifying the wallet operating organization through the available service management platform. After that, the hard wallet is successfully opened and can be used normally.

After the SIM card hard wallet is successfully opened, the mobile phone into which the SIM card is inserted and other SIM card identification devices have the ability to pay with digital currency, and can make silent payments when the phone is off or powered off, that is, there is no need to wake up the APP or confirm the payment on the mobile phone. Both Android and iOS phones support screen-off payment. Before payment, Android phones need to point the default payment application in the NFC settings of the phone to the SIM card before they can touch the POS to complete the payment. iOS phones do not need to make NFC settings, and Android phones can also choose the SIM card hard wallet in the phone's APP to make payments, which makes the payment method more flexible.

FIG2 is a schematic diagram of a process of writing data information related to a hard wallet according to an embodiment of the present disclosure. As shown in FIG2, in this embodiment, a process of writing data information related to a hard wallet for an Android system is shown, which mainly includes: determining whether an auxiliary security domain exists, and if not, creating an auxiliary security domain; if so, determining whether hard wallet application data exists. If not, downloading the application data; if so, determining whether hard wallet personalization and activation have been completed, and if not, executing hard wallet personalization and activation operations, otherwise the writing of hard wallet related data information ends.

FIG3 is a schematic diagram of a process for writing data information related to a hard wallet according to another embodiment of the present disclosure. As shown in FIG3, in this embodiment, a process for writing data information related to a hard wallet for an iOS system is shown, which mainly includes: determining whether a Bluetooth connection has been established with a SIM card, and if a Bluetooth connection has not been established, performing a Bluetooth search and Bluetooth pairing to establish a Bluetooth connection. If a Bluetooth connection has been established, determining whether an auxiliary security domain exists, and if not, creating an auxiliary security domain; if so, determining whether hard wallet application data exists. If not, downloading the application data; if so, determining whether hard wallet personalization and activation have been completed, and if not, executing hard wallet personalization and activation operations, otherwise the writing of hard wallet related data information ends.

FIG4 is an architectural diagram of the opening process of a digital currency hard wallet in an embodiment of the present disclosure. As shown in FIG4, the main entities involved in the opening of a digital currency hard wallet in an embodiment of the present disclosure are a digital currency APP, a digital currency wallet background, a TSM platform, a SIM card operator, and a wallet operating organization. Among them, the digital currency APP is configured to initiate an online opening request for a SIM card hard wallet and manage the SIM card hard wallet; the digital currency wallet background is configured to manage the real-name information of the digital currency soft wallet and user payment information; the TSM platform is an available service management platform, which is mainly used for the management and downloading of application data, personalized data, and password information written in the SIM card; the wallet operating organization: responsible for providing the opening of the hard wallet, and the generation of application data, personalized data, and key information of the hard wallet; the SIM card operator: including the operator security storage module and the SIM card real-name information management system, provides the comparison of the SIM card real-name information and authorizes the TSM platform to manage the SIM card space. In addition, the entities involved in the opening of the digital currency hard wallet of the embodiment of the present disclosure may also include a service gateway and other systems for service routing. Here, since it does not involve the core function implementation of the hard wallet opening, it is not shown in the figure.

The process of opening a digital currency hard wallet in the embodiment of the present disclosure mainly includes the following steps:

1. The digital currency APP initiates an online request to open a SIM card hard wallet, establishes a communication connection with the SIM card, obtains the unique identifier of the SIM card (for example, the SIM card number, which can uniquely identify the SIM card), and then sends the unique identifier of the SIM card to the digital currency wallet backend;

2. After receiving the unique identifier of the SIM card, the digital currency wallet backend obtains the real-name information of the digital currency soft wallet selected by the user, and then generates a real-name verification request based on the unique identifier of the SIM card and the real-name information of the soft wallet;

3. The digital currency wallet backend sends the real-name verification request to the SIM card operator, so that the SIM card operator obtains the real-name information of the SIM card (for example, mobile phone number, etc.) according to the unique identifier of the SIM card, and performs real-name verification based on the real-name information of the soft wallet and the real-name information of the SIM card;

4. The SIM card operator returns the real-name verification result to the digital currency wallet backend, and the digital currency wallet backend returns the real-name verification result to the digital currency APP;

5. The digital currency APP generates the hard wallet opening application information and sends it to the TSM platform, which forwards the hard wallet opening application information to the wallet operating institution through the TSM platform;

6. The wallet operator generates data information related to the hard wallet and sends it to the TSM platform, so that the data information related to the hard wallet can be forwarded to the digital currency APP through the TSM platform;

7. The digital currency APP writes the hard wallet related data information into the SIM card to complete the opening of the hard wallet.

Fig. 5 is a schematic diagram of the main modules of the digital currency hard wallet opening device according to an embodiment of the present disclosure. As shown in Fig. 5, the digital currency hard wallet opening device 500 of the present disclosure embodiment mainly includes a connection establishment module 501, a real-name verification module 502, a hard wallet data generation module 503 and a hard wallet data writing module 504.

The connection establishment module 501 is configured to establish a communication connection with the user identification card in response to a digital currency hard wallet opening request;

The real-name verification module 502 is configured to obtain a digital currency soft wallet associated with the hard wallet selected by the user, and perform real-name verification according to the real-name information of the soft wallet and the real-name information of the user identification card;

The hard wallet data generation module 503 is configured to send the hard wallet opening application information to the wallet operating institution when the real-name verification is passed, so that the wallet operating institution generates data information related to the hard wallet;

The hard wallet data writing module 504 is configured to write the hard wallet related data information into the user identification card in response to receiving the hard wallet related data information to complete the hard wallet opening.

According to one embodiment of the present disclosure, the connection establishment module 501 can also be configured as: for a first type of operating system, performing command communication with the user identification card through the open mobile interface of the operating system's machine-card channel to establish a communication connection; for a second type of operating system, performing command communication with the user identification card through the Bluetooth channel protocol provided by the operator to establish a communication connection.

According to another embodiment of the present disclosure, the real-name verification module 502 may also be configured to: before obtaining the digital currency soft wallet associated with the hard wallet selected by the user, confirm that the user identification card supports opening a hard wallet and has an opened soft wallet.

According to another embodiment of the present disclosure, the real-name verification module 502 may also be configured to: obtain a unique identifier of the user identification card after establishing a communication connection with the user identification card; obtain the real-name information of the user identification card according to the unique identifier of the user identification card through the operator, and compare the real-name information of the soft wallet with the real-name information of the user identification card; and detect whether there is a hard wallet opened by the soft wallet in the user identification card.

According to another embodiment of the present disclosure, the hard wallet data generation module 503 can also be configured to: before sending the hard wallet opening application information to the wallet operating institution, perform user identity authentication based on the user payment information of the soft wallet, and confirm that the user identity authentication is passed; and generate the hard wallet opening application information based on the wallet identification and real-name information of the soft wallet.

According to another embodiment of the present disclosure, the hard wallet data writing module 504 may also be configured to: create an auxiliary security domain by sending a data information writing instruction to the user identification card, and write the hard wallet related data information into the user identification card, wherein the hard wallet related data information includes hard wallet application data, personalization data and key information.

According to another embodiment of the present disclosure, the digital currency hard wallet opening device 500 also includes a result notification module (not shown in the figure), which is configured to: after writing the hard wallet related data information into the user identification card, send a notification of successful writing to the available service management platform, and notify the wallet operating organization through the available service management platform.

According to the technical solution of the embodiment of the present disclosure, by responding to the digital currency hard wallet opening request, a communication connection is established with the user identification card; the digital currency soft wallet selected by the user and associated with the hard wallet is obtained, and the real-name verification is performed according to the real-name information of the soft wallet and the real-name information of the user identification card; when the real-name verification is passed, the hard wallet opening application information is sent to the wallet operating organization, so that the wallet operating organization generates hard wallet related data information; in response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the technical solution of hard wallet opening, the digital currency hard wallet can be opened based on the user identification card SIM card, and based on the compatibility of the SIM card with identification devices such as mobile phones, the SIM card hard wallet can cover various operating systems, that is, it covers all network users and all mobile terminal users, so that the opened hard wallet can be adapted to various operating systems at the same time, and the hard wallet has a wider range of use; at the same time, the user identification card SIM card is used as the hardware carrier of the hard wallet, and the real-name verification is performed based on the real-name information of the digital currency soft wallet and the real-name information of the SIM card, and the hard wallet is opened when the real-name information is consistent, thereby enhancing the use security of the digital currency hard wallet.

FIG6 shows an exemplary system architecture 600 to which the method for opening a digital currency hard wallet or the apparatus for opening a digital currency hard wallet according to the embodiments of the present disclosure can be applied.

As shown in Fig. 6, system architecture 600 may include terminal devices 601, 602, 603, network 604 and server 605. Network 604 is used to provide a medium for communication links between terminal devices 601, 602, 603 and server 605. Network 604 may include various connection types, such as wired, wireless communication links or optical fiber cables, etc.

Users can use terminal devices 601, 602, and 603 to interact with server 605 through network 604 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 601, 602, and 603, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (only examples).

The terminal devices 601 , 602 , and 603 may be various electronic devices having a display screen and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, and desktop computers, etc.

The server 605 may be a server that provides various services, such as a background management server that provides support for websites browsed by users using terminal devices 601, 602, and 603 (for example only). The background management server may respond to the digital currency hard wallet opening request and other data received, establish a communication connection with the user identification card; obtain the digital currency soft wallet associated with the hard wallet selected by the user, and perform real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card; if the real-name verification passes, send the hard wallet opening application information to the wallet operating organization so that the wallet operating organization generates hard wallet related data information; in response to receiving the hard wallet related data information, write the hard wallet related data information into the user identification card to complete the hard wallet opening and other processing, and feedback the processing result (for example, the hard wallet opening result - for example only) to the terminal device.

It should be noted that the method for opening a digital currency hard wallet provided in the embodiment of the present disclosure is generally executed by the server 605 , and accordingly, the device for opening a digital currency hard wallet is generally set in the server 605 .

It should be understood that the number of terminal devices, networks and servers in Figure 6 is only for illustration purposes and any number of terminal devices, networks and servers may be provided as required.

Referring to Figure 7, a schematic diagram of a computer system 700 suitable for implementing a terminal device or server of the present disclosure is shown. The terminal device or server shown in Figure 7 is only an example and should not limit the functions and scope of use of the present disclosure.

As shown in FIG. 7 , the computer system 700 includes a central processing unit (CPU) 701, which can perform various appropriate actions and processes according to a program stored in a read-only memory (ROM) 702 or a program loaded from a storage part 708 into a random access memory (RAM) 703. In the RAM 703, various programs and data required for the operation of the system 700 are also stored. The CPU 701, the ROM 702, and the RAM 703 are connected to each other via a bus 704. An input/output (I/O) interface 705 is also connected to the bus 704.

The following components are connected to the I/O interface 705: an input section 706 including a keyboard, a mouse, etc.; an output section 707 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker, etc.; a storage section 708 including a hard disk, etc.; and a communication section 709 including a network interface card such as a LAN card, a modem, etc. The communication section 709 performs communication processing via a network such as the Internet. A drive 710 is also connected to the I/O interface 705 as needed. A removable medium 711, such as a magnetic disk, an optical disk, a magneto-optical disk, a semiconductor memory, etc., is installed on the drive 710 as needed, so that a computer program read therefrom is installed into the storage section 708 as needed.

In particular, according to the embodiments disclosed in the present disclosure, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, the embodiments disclosed in the present disclosure include a computer program product, which includes a computer program carried on a computer-readable medium, and the computer program includes a program code for executing the method shown in the flowchart. In such an embodiment, the computer program can be downloaded and installed from a network through a communication section 709, and/or installed from a removable medium 711. When the computer program is executed by a central processing unit (CPU) 701, the above-mentioned functions defined in the system of the present disclosure are executed.

It should be noted that the computer-readable medium shown in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two. The computer-readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, device or device, or any combination of the above. More specific examples of computer-readable storage media may include, but are not limited to: an electrical connection with one or more wires, a portable computer disk, 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 disk read-only memory (CD-ROM), an optical storage device, a magnetic storage device, or any suitable combination of the above. In the present disclosure, a computer-readable storage medium may be any tangible medium containing or storing a program that can be used by or in combination with an instruction execution system, device or device. In the present disclosure, a computer-readable signal medium may include a data signal propagated in a baseband or as part of a carrier wave, in which a computer-readable program code is carried. This propagated data signal may take a variety of forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the above. Computer-readable signal media may also be any computer-readable medium other than computer-readable storage media, which may send, propagate or transmit a program for use by or in conjunction with an instruction execution system, apparatus or device. The program code contained on the computer-readable medium may be transmitted using any appropriate medium, including but not limited to: wireless, wire, optical cable, RF, etc., or any suitable combination of the above.

The flow charts and block diagrams in the accompanying drawings illustrate the possible architecture, functions and operations of the systems, methods and computer program products according to various embodiments of the present disclosure. In this regard, each box in the flow chart or block diagram can represent a module, a program segment, or a part of a code, and the above-mentioned module, program segment, or a part of a code contains one or more executable instructions for realizing the specified logical function. It should also be noted that in some alternative implementations, the functions marked in the box can also occur in a different order from the order marked in the accompanying drawings. For example, two boxes represented in succession can actually be executed substantially in parallel, and they can sometimes be executed in the opposite order, depending on the functions involved. It should also be noted that each box in the block diagram or flow chart, and the combination of the boxes in the block diagram or flow chart can be implemented with a dedicated hardware-based system that performs a specified function or operation, or can be implemented with a combination of dedicated hardware and computer instructions.

The units or modules involved in the embodiments described in the present disclosure may be implemented by software or by hardware. The units or modules described may also be provided in a processor, for example, may be described as: a processor including a connection establishment module, a real-name verification module, a hard wallet data generation module, and a hard wallet data writing module. Among them, the names of these units or modules do not constitute a limitation on the units or modules themselves in certain circumstances. For example, the connection establishment module may also be described as "a module for establishing a communication connection with a user identification card in response to a request for opening a digital currency hard wallet".

As another aspect, the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiment; or it may exist independently without being assembled into the device. The above computer-readable medium carries one or more programs. When the above one or more programs are executed by a device, the device includes: in response to a request for opening a digital currency hard wallet, establishing a communication connection with a user identification card; obtaining a digital currency soft wallet associated with the hard wallet selected by the user, and performing a real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card; if the real-name verification passes, sending the hard wallet opening application information to the wallet operating organization, so that the wallet operating organization generates hard wallet related data information; in response to receiving the hard wallet related data information, writing the hard wallet related data information into the user identification card to complete the hard wallet opening.

According to the technical solution of the embodiment of the present disclosure, by responding to the digital currency hard wallet opening request, a communication connection is established with the user identification card; the digital currency soft wallet selected by the user and associated with the hard wallet is obtained, and the real-name verification is performed according to the real-name information of the soft wallet and the real-name information of the user identification card; when the real-name verification is passed, the hard wallet opening application information is sent to the wallet operating organization, so that the wallet operating organization generates hard wallet related data information; in response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the technical solution of hard wallet opening, the digital currency hard wallet can be opened based on the user identification card SIM card, and based on the compatibility of the SIM card with identification devices such as mobile phones, the SIM card hard wallet can cover various operating systems, that is, it covers all network users and all mobile terminal users, so that the opened hard wallet can be adapted to various operating systems at the same time, and the hard wallet has a wider range of use; at the same time, the user identification card SIM card is used as the hardware carrier of the hard wallet, and the real-name verification is performed based on the real-name information of the digital currency soft wallet and the real-name information of the SIM card, and the hard wallet is opened when the real-name information is consistent, thereby enhancing the use security of the digital currency hard wallet.

The above specific implementations do not constitute a limitation on the protection scope of the present disclosure. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modification, equivalent substitution and improvement made within the spirit and principle of the present disclosure shall be included in the protection scope of the present disclosure.

Industrial Applicability

The solution provided by the embodiment of the present disclosure can be applied to the field of computer technology. In the embodiment of the present disclosure, in response to the request for opening a digital currency hard wallet, a communication connection is established with a user identification card, a digital currency soft wallet selected by the user and associated with the hard wallet is obtained, and a real-name verification is performed based on the real-name information of the soft wallet and the real-name information of the user identification card. If the real-name verification passes, the hard wallet opening application information is sent to the wallet operating agency, so that the wallet operating agency generates hard wallet related data information. In response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the hard wallet opening. This implementation method can make the opened hard wallet adapt to various operating systems at the same time, the hard wallet has a wider range of use, and the use security of the digital currency hard wallet is enhanced.

Claims (10)

A method for opening a digital currency hard wallet, comprising: In response to the digital currency hard wallet opening request, establish a communication connection with the user identification card; Obtaining a digital currency soft wallet associated with the hard wallet selected by the user, and performing real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card; If the real-name verification is passed, the hard wallet opening application information is sent to the wallet operating institution, so that the wallet operating institution generates data information related to the hard wallet; In response to receiving the hard wallet related data information, the hard wallet related data information is written into the user identification card to complete the hard wallet opening. The method according to claim 1, wherein establishing a communication connection with a user identification card comprises: For the first type of operating system, the open mobile interface of the machine-card channel of the operating system communicates with the user identification card through commands to establish a communication connection; For the second type of operating system, a communication connection is established by performing command communication with the user identification card through a Bluetooth channel protocol provided by the operator. The method according to claim 1, wherein, before obtaining the digital currency soft wallet associated with the hard wallet selected by the user, it also includes: Confirm that the user identification card supports opening a hard wallet and has an opened soft wallet. The method according to claim 1, wherein after establishing a communication connection with a user identification card, the method further comprises: Obtaining the unique identifier of the user identification card; Performing real-name verification according to the real-name information of the soft wallet and the real-name information of the user identification card includes: The operator obtains the real-name information of the user identification card according to the unique identifier of the user identification card, and compares the real-name information of the soft wallet with the real-name information of the user identification card; And, detecting whether there is a hard wallet opened by the soft wallet in the user identification card. The method according to claim 1, wherein before sending the hard wallet opening application information to the wallet operating institution, it also includes: Performing user identity verification based on the user payment information of the soft wallet, and confirming that the user identity verification is passed; And, generating hard wallet opening application information according to the wallet identification and real-name information of the soft wallet. The method according to claim 1, wherein writing the data information related to the hard wallet into the user identification card comprises: A data information write instruction is sent to the user identification card to create an auxiliary security domain, and the hard wallet related data information is written into the user identification card, wherein the hard wallet related data information includes hard wallet application data, personalization data and key information. The method according to claim 1, wherein after writing the data information related to the hard wallet into the user identification card, it also includes: A notification of successful writing is sent to the available service management platform, and the wallet operating organization is notified through the available service management platform. A device for opening a digital currency hard wallet, comprising: A connection establishment module, configured to establish a communication connection with a user identification card in response to a digital currency hard wallet opening request; A real-name verification module is configured to obtain a digital currency soft wallet associated with a hard wallet selected by a user, and perform real-name verification based on the real-name information of the soft wallet and the real-name information of the user identification card; A hard wallet data generation module is configured to send the hard wallet opening application information to the wallet operating institution when the real-name verification is passed, so that the wallet operating institution generates data information related to the hard wallet; The hard wallet data writing module is configured to write the hard wallet related data information into the user identification card in response to receiving the hard wallet related data information to complete the hard wallet opening. An electronic device, comprising: one or more processors; a storage device configured to store one or more programs, When the one or more programs are executed by the one or more processors, the one or more processors implement the method according to any one of claims 1 to 7. A computer readable medium having a computer program stored thereon, wherein the program, when executed by a processor, implements the method according to any one of claims 1 to 7.