CN107369019B - Digital currency wallet unbinding method and system - Google Patents
Digital currency wallet unbinding method and system Download PDFInfo
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- CN107369019B CN107369019B CN201710492669.0A CN201710492669A CN107369019B CN 107369019 B CN107369019 B CN 107369019B CN 201710492669 A CN201710492669 A CN 201710492669A CN 107369019 B CN107369019 B CN 107369019B
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The embodiment of the invention discloses a method and a system for unbinding a digital currency wallet, and relates to the technical field of computers. The method provided by the embodiment of the invention comprises the following steps: after receiving a wallet unbinding request submitted by a user, sending a bank wallet access authentication entrance request to the user; receiving a bank wallet access authentication element submitted by a user, and performing identity authentication on the user according to the bank wallet access authentication element; and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user. Through the steps, the unbinding function of the digital currency application wallet and the digital currency bank wallet can be conveniently and safely realized.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a digital currency wallet unbinding method and a digital currency wallet unbinding system.
Background
Whether the digital currency can exert the effect thereof is firmly the basis of technical routes, risk prevention and control measures and safety guarantee measures, but the application is the key. Only well-used legal digital currencies accepted by the public and the market are vital, and the supplement to the traditional currencies can be really realized.
Although the pure digital currency system may not be associated with the bank account, the currency issuance in China follows the binary system of 'central bank-commercial bank', and the current social and economic activities are mainly developed based on the commercial bank account system, if the existing mature IT infrastructure and application services of the bank can be fully utilized by means of the bank account system, the popularization threshold of the digital currency can be greatly reduced, and the use convenience and flexibility of the digital currency can be improved.
Digital currency is managed by means of an account hierarchy, the most straightforward approach being to extend the access scope of the central bank balance sheet. In fact, the recourse of central banks held by commercial banks and some other financial institutions in the form of a central bank deposit has been digitized. However, this is likely to trigger a transfer of the deposit from a commercial bank to the central bank, resulting in a narrowing of the overall bank system, which is a "narrow bank".
How to manage digital currency by means of the existing bank account system to protect the existing system investment of commercial banks to the maximum extent and reduce the possibility of occurrence of 'narrow bank' has no effective solution at present.
In view of the above, the inventor of the present invention proposes a design concept of "introducing a digital money wallet under a traditional account system of a commercial bank", and proposes various business implementation processes and system frameworks related to the digital money wallet on the basis of the design concept.
Disclosure of Invention
The embodiment of the invention provides a method and a system for unbinding a digital currency wallet, which are used for conveniently and safely realizing the unbinding function of a digital currency application wallet and a digital currency bank wallet while effectively expanding the function of the digital currency wallet by means of a bank account system.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a digital money wallet unbinding method.
The digital currency wallet unbinding method provided by the embodiment of the invention comprises the following steps: after receiving a wallet unbinding request submitted by a user, sending a bank wallet access authentication entrance request to the user; receiving a bank wallet access authentication element submitted by a user, and performing identity authentication on the user according to the bank wallet access authentication element; and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user.
Optionally, the step of unbinding the binding relationship between the user's digital currency application wallet and the bank wallet comprises: deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state.
Optionally, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the correspondence between the information of the application wallet and the information of the bank wallet.
Optionally, before the step of sending a bank wallet access authentication portal request to the user, the method further comprises: and confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
Optionally, the wallet unbinding request includes the authentication information of the wallet facilitator and the digital signature of the wallet facilitator; the step of confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request comprises the following steps: and confirming that the authentication information of the application wallet facilitator and the digital signature of the application wallet facilitator are correct.
Optionally, the step of unbinding the binding relationship between the user's digital currency application wallet and the bank wallet comprises: searching the binding relationship between the application wallet of the user and the bank wallet, and sending the binding relationship to the user; and releasing the binding relationship between the digital currency application wallet and the bank wallet of the user according to the wallet unbinding confirmation information submitted by the user.
To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided a digital money wallet unbinding system.
The unbinding system of the digital currency wallet of the embodiment of the invention comprises: the system comprises a user access module, a wallet binding module and a binding module, wherein the user access module is used for sending a bank wallet access authentication entrance request to a user after receiving a wallet unbinding request submitted by the user; the bank wallet access authentication module is used for receiving bank wallet access authentication elements submitted by a user and authenticating the identity of the user according to the bank wallet access authentication elements; and, in case that the user identity authentication passes, the bank wallet access authentication module is further configured to: and releasing the binding relationship between the digital currency application wallet of the user and the bank wallet.
Optionally, the bank wallet access authentication module releases the binding relationship between the user's digital currency application wallet and the bank wallet, including: and the bank wallet access authentication module deletes the binding relationship between the digital currency application wallet of the user and the bank wallet or marks the binding relationship as an invalid state.
Optionally, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the correspondence between the information of the application wallet and the information of the bank wallet.
Optionally, the system further comprises: a service provider authentication module; before the user access module sends a bank wallet access authentication entrance request to the user, the service provider authentication module is used for confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
Optionally, the wallet unbinding request includes the authentication information of the wallet facilitator and the digital signature of the wallet facilitator; the service provider authentication module confirms that the identity of the application wallet service provider is correct according to the wallet unbinding request, and comprises the following steps: the facilitator authentication module confirms that the application wallet facilitator authentication information and the application wallet facilitator digital signature are correct.
Optionally, the bank wallet access authentication module releases the binding relationship between the user's digital currency application wallet and the bank wallet, including: the bank wallet access authentication module searches the binding relationship between the application wallet of the user and the bank wallet, and then sends the binding relationship to the user through the user access module; and the bank wallet access authentication module releases the binding relationship between the digital currency application wallet of the user and the bank wallet according to the wallet unbinding confirmation information submitted by the user.
To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer-readable storage medium.
The computer-readable storage medium of an embodiment of the present invention stores therein computer instructions that can be executed by a computer or a computer system, thereby enabling the computer or the computer system to perform the digital money wallet unbinding method of an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet by receiving the wallet unbinding request, sending the bank wallet access authentication entrance request to the user, carrying out identity authentication on the user according to the bank wallet access authentication element submitted by the user, removing the binding relationship between the digital currency application wallet and the bank wallet after the identity authentication of the user passes and the like. Furthermore, by expanding the unbinding application scene flow of the digital currency wallet, the combination of a traditional bank account system and a digital currency system is facilitated, the use convenience and flexibility of the digital currency are greatly improved, and the digital currency popularization threshold is reduced.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of an association of a bank account with a digital currency bank wallet, according to an embodiment of the present invention;
FIG. 2 is a flow diagram of a method of unbinding a digital currency wallet, according to one embodiment of the invention;
FIG. 3 is a flow diagram illustrating a method of unbinding a digital currency wallet, according to another embodiment of the present invention;
FIG. 4 is a schematic diagram of the main modules of an unbinding system for a digital money wallet, according to one embodiment of the present invention;
fig. 5 is a schematic diagram of the main blocks of an unbinding system of a digital money wallet according to another embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
Before describing in detail the method and system for unbinding the application wallet and the bank wallet of digital money according to the embodiment of the present invention, the digital money and the digital money wallet designed according to the embodiment of the present invention will be described first.
The digital currency is an encryption string, the encryption string comprising: a monetary amount, an issuer identification, and an owner identification. From a general perspective, digital currency may be deposited through a digital currency safe deposit box. Among them, the digital money wallet is a digital money safe deposit box of an enterprise and an individual, and the digital money bank is a digital money safe deposit box of a commercial bank.
Digital money purses, which can be classified into digital money bank purses (hereinafter, simply referred to as "bank purses") and digital money application purses (hereinafter, simply referred to as "application purses"). The bank wallet is a digital currency wallet provided by a bank main body and expanded based on a bank account, and can provide services of digital currency keeping, exchange, payment and the like for enterprises and individuals.
Fig. 1 is a schematic diagram of the association of a bank account with a digital currency bank wallet according to an embodiment of the present invention. As shown in fig. 1, a bank account may be associated with (or referred to as "binding") a bank wallet in a specific way: the identity of the bank wallet associated therewith is maintained in the bank account, while the identity of the bank account associated therewith is maintained in the bank wallet. In this way, the bank wallet can achieve efficient management of digital currency without departing from the existing bank account hierarchy.
An application wallet is a digital money wallet provided by a non-banking body (hereinafter referred to as an "application wallet facilitator"), which can provide digital money application services in various application scenarios, such as financial services, e-commerce, and other internet application scenarios, for businesses and individuals. After the application wallet is authorized by the user, the application wallet can be bound, so that functions of calling a bank wallet interface, accessing the bank wallet and the like through the application wallet can be realized.
Fig. 2 is a flow diagram of a method of unbinding a digital currency wallet, according to one embodiment of the present invention. As shown in fig. 2, the unbinding method in this embodiment mainly includes the following steps:
step S201, after receiving a wallet unbinding request submitted by a user, an account bank sends a bank wallet access authentication entrance request to the user.
In an embodiment of the present invention, the wallet unbinding request may include: and the information of the application wallet to be unbound and the authentication information of the user real name are obtained. The information of the application wallet to be unbound can comprise information such as an application wallet identifier and a bank wallet identifier; the user real-name authentication information can comprise information such as a user name, an identification card number, a mobile phone number and the like. After receiving the wallet unbinding request of the user, the account bank can send a request for accessing the authentication entrance of the bank wallet to the user through a short message, a WeChat, a QQ or other communication modes. For example, the bank wallet access authentication portal request sent in the form of a short message may include: the wallet unbinding prompt words and the bank wallet access page link. And clicking the link by the user, entering a bank wallet access page, and submitting the bank wallet access authentication element.
And S202, receiving a bank wallet access authentication element submitted by a user by an account line, and authenticating the identity of the user according to the bank wallet access authentication element.
Wherein, the bank wallet access authentication element can comprise: the login name of the bank wallet and the key corresponding to the login name of the bank wallet. The key may be a symmetric key or an asymmetric key. In specific implementation, a user can input the login name and the key of the bank wallet through a U disk or manually on a separate bank wallet access authentication page (such as a bank wallet APP on a mobile phone and a bank wallet webpage on a computer), and then an account bank verifies the login name and the key of the bank wallet. If the verification is passed, the flow proceeds to step S203. Therefore, the wallet unbinding process is safer by authenticating the login number and the key of the separate bank wallet instead of authenticating the bank card number and the key bound with the bank wallet of the user.
And S203, under the condition that the user identity authentication is passed, the account bank releases the binding relationship between the digital currency application wallet and the bank wallet of the user.
In a preferred implementation manner of the embodiment of the present invention, the releasing the binding relationship between the application wallet and the bank wallet includes: deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state. The binding relationship between the application wallet and the bank wallet comprises the following steps: the correspondence between the information of the application wallet and the information of the bank wallet. For example, in one embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation between the wallet CA certificate and the bank wallet identifier. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relation of the application wallet CA certificate, the application wallet mark and the bank wallet mark. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation of the wallet identification and the bank wallet identification.
According to the embodiment of the invention, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet by receiving the wallet unbinding request, sending the bank wallet access authentication entrance request to the user, carrying out identity authentication on the user according to the bank wallet access authentication element submitted by the user, and removing the binding relationship between the digital currency application wallet and the bank wallet after the identity authentication of the user passes.
Fig. 3 is a flowchart illustrating a method of unbinding a digital money wallet according to another embodiment of the present invention. As shown in fig. 3, the unbinding method in this embodiment mainly includes the following steps:
at step S301, the user sends a wallet unbind request to the account line.
In particular implementations, a user may initiate a wallet unbinding request to an account bank based on an application wallet system. Wherein the wallet unbinding request may include: the method comprises the steps of authentication information of an application wallet facilitator, digital signature of the application wallet facilitator, real-name authentication information of a user, information of an application wallet to be unbound and the like.
And step S302, the account bank authenticates the identity of the application wallet service provider according to the wallet unbinding request.
Specifically, the steps include: authenticating the application wallet facilitator authentication information and the application wallet facilitator digital signature. For example, the digital signature of the service provider can be decrypted according to a certificate public key agreed by the service provider and the account bank, so as to obtain a plaintext of the digital signature content; and then carrying out Hash operation on the authentication information of the applied wallet service provider, and comparing the operation result with the plaintext content of the digital signature. If the two are consistent, the authentication is passed; otherwise, the authentication is not passed.
And step S303, if the identity authentication of the service provider passes, sending a bank wallet access authentication entrance request to the user.
For example, the account bank may send a bank wallet access authentication portal request to the user via short message, WeChat, QQ, or other communication means. Wherein the bank wallet access authentication entry request may include: the bank wallet accesses the page link.
Step S304, the user submits the bank wallet access authentication element to the account bank.
Wherein, the bank wallet access authentication element can comprise: the login name of the bank wallet and the key corresponding to the login name of the bank wallet. The key may be a symmetric key or an asymmetric key. In particular, the user can input the login name and the key of the bank wallet through the USB flash disk or manually on the access authentication page of the bank wallet.
And S305, the account bank authenticates the identity of the user according to the bank wallet access authentication element. If the user identity authentication is passed, entering step S306; if the user identity authentication fails, an 'identity authentication failure prompt page' can be returned to the user.
And S306, if the user identity authentication is passed, searching the wallet binding relationship of the user by the account line. Wherein the wallet binding relationship comprises: the correspondence between the information of the application wallet and the information of the bank wallet. In specific implementation, the account bank can search the wallet binding relationship of the user according to the application wallet identification in the wallet unbinding request or information such as a bank wallet login number submitted by the user.
Step S307, the account bank sends the wallet binding relationship to the user.
Step S308, the user sends wallet unbinding confirmation information to the account line.
And S309, the account bank releases the binding relationship between the application wallet and the bank wallet according to the unbinding confirmation information. In a preferred embodiment, unbinding the user's digital currency application wallet from a bank wallet comprises: deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
And step S310, the account bank sends a wallet unbinding success receipt to the user. In specific implementation, the account line can return an unbinding success receipt to the user through the application wallet system or the bank wallet access page.
According to the embodiment of the invention, the identity of the service provider and the identity of the user are subjected to double authentication, so that the safety of wallet unbinding is further improved. Through the process, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet. Furthermore, by expanding the unbinding application scene flow of the digital currency wallet, the combination of a traditional bank account system and a digital currency system is facilitated, the use convenience and flexibility of the digital currency are greatly improved, and the digital currency popularization threshold is reduced.
Figure 4 is a schematic diagram of the main modules of a digital currency wallet unbinding system according to one embodiment of the present invention. As shown in fig. 4, the unbinding system 400 in this embodiment mainly includes: a user access module 401 and a bank wallet access authentication module 402.
The user access module 401 is configured to send a bank wallet access authentication entry request to a user after receiving a wallet unbinding request submitted by the user.
In an embodiment of the present invention, the wallet unbinding request received by the user access module 401 may include: and the information of the application wallet to be unbound and the authentication information of the user real name are obtained. The information of the application wallet to be unbound can comprise information such as an application wallet identifier and a bank wallet identifier; the user real-name authentication information can comprise information such as a user name, an identification card number, a mobile phone number and the like. After receiving the wallet unbinding request of the user, the user access module 401 may send a request for accessing the authentication entry of the bank wallet to the user through a short message, a WeChat, a QQ or other communication methods. For example, the bank wallet access authentication portal request sent in the form of a short message may include: the wallet unbinding prompt words and the bank wallet access page link. And clicking the link by the user, entering a bank wallet access page, and submitting the bank wallet access authentication element.
The user access module 401 is further configured to receive the bank wallet access authentication element submitted by the user, and transmit the bank wallet access authentication element to the bank wallet access authentication module 402.
In an embodiment of the present invention, the bank wallet access authentication elements submitted by the user may include: a bank wallet login number and a key corresponding to the bank wallet login number. The key may be a symmetric key or an asymmetric key. In specific implementation, the user can input the login number and the key of the bank wallet through a usb disk or manually on the access authentication page of the bank wallet, and the user access module transmits the login number and the key of the bank wallet to the access authentication module 402 after receiving the login number and the key of the bank wallet.
The bank wallet access authentication module 402 is configured to receive a bank wallet access authentication element submitted by a user, and perform identity authentication on the user according to the bank wallet access authentication element. For example, when the bank wallet access authentication element is a bank wallet login number and a key corresponding to the bank wallet login number, the bank wallet access authentication module 402 verifies the bank wallet login number and the key.
The bank wallet access authentication module 402 is also to: and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user.
Specifically, the bank wallet access authentication module 402 may release the binding relationship in the following preferred embodiments: the bank wallet access authentication module 402 deletes or marks as invalid the binding of the user's digital money application wallet and the bank wallet. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet. For example, in one embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation between the wallet CA certificate and the bank wallet identifier. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relation of the application wallet CA certificate, the application wallet mark and the bank wallet mark. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: and the corresponding relation between the application wallet identification and the bank wallet identification.
According to the embodiment of the invention, the user access module receives the wallet unbinding request, sends the bank wallet access authentication entrance request to the user, performs identity authentication on the user through the bank wallet access authentication module, and releases the binding relationship between the digital currency application wallet and the bank wallet after the identity authentication of the user is passed, so that the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet.
Fig. 5 is a schematic diagram of the main blocks of an unbinding system of a digital money wallet according to another embodiment of the present invention. As shown in fig. 5, the unbinding system 500 in this embodiment mainly includes: a user access module 501, a service provider authentication module 502, and a bank wallet access authentication module 503.
The user access module 501 is configured to receive a wallet unbinding request submitted by a user. In a preferred implementation manner of the embodiment of the present invention, the wallet unbinding request received by the user access module 501 may include: the method comprises the steps of authentication information of an application wallet facilitator, digital signature of the application wallet facilitator, real-name authentication information of a user, information of an application wallet to be unbound and the like.
And the service provider authentication module 502 is configured to authenticate the identity of the application wallet service provider according to the wallet unbinding request. For example, when the wallet unbinding request contains application wallet facilitator authentication information, an application wallet facilitator digital signature, the facilitator authentication module 502 authenticating the identity of the application wallet facilitator includes: authenticating the application wallet facilitator authentication information and the application wallet facilitator digital signature. For example, the digital signature of the service provider can be decrypted according to a certificate public key agreed by the service provider and the account bank, so as to obtain a plaintext of the digital signature content; and then carrying out Hash operation on the authentication information of the applied wallet service provider, and comparing the operation result with the plaintext content of the digital signature. If the two are consistent, the authentication is passed; otherwise, the authentication is not passed.
The user access module 501 is further configured to send a bank wallet access authentication entry request to the user after the facilitator authentication module 502 confirms that the identity of the application wallet facilitator is correct. For example, the user access module 501 may send a bank wallet access authentication portal request to the user via sms, wechat, QQ, or other communication means. Wherein the bank wallet access authentication entry request may include: the bank wallet accesses the page link.
The user access module 501 is further configured to receive the bank wallet access authentication element submitted by the user, and transmit the bank wallet access authentication element to the bank wallet access authentication module 503.
In an embodiment of the present invention, the bank wallet access authentication elements submitted by the user may include: a bank wallet login number and a key corresponding to the bank wallet login number. The key may be a symmetric key or an asymmetric key. In specific implementation, the user may input the login number and the key of the bank wallet through a usb disk or manually on the access authentication page of the bank wallet, and the user access module 501 transmits the login number and the key of the bank wallet to the access authentication module 503 after receiving them.
The bank wallet access authentication module 503 is configured to receive a bank wallet access authentication element submitted by a user, and perform identity authentication on the user according to the bank wallet access authentication element. The bank wallet access authentication module 503 is also for: and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user.
In this embodiment of the present invention, the bank wallet accessing authentication module 503 releases the binding relationship, including: the bank wallet access authentication module 503 searches the binding relationship between the user's application wallet and the bank wallet, and then sends the binding relationship to the user through the user access module 501; the bank wallet access authentication module 503 releases the binding relationship between the digital currency application wallet of the user and the bank wallet according to the wallet unbinding confirmation information submitted by the user.
The releasing of the binding relationship by the bank wallet access authentication module 503 may adopt the following preferred embodiments: the bank wallet access authentication module 503 deletes the binding relationship of the user's digital money application wallet and the bank wallet or marks the binding relationship as an invalid state. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
The user access module 501 is further configured to send a wallet unbinding success receipt to the user after the binding relationship between the application wallet and the bank wallet is released.
According to the embodiment of the invention, the identity of the service provider and the identity of the user are subjected to double authentication through the service provider authentication module and the bank wallet access authentication module, so that the wallet unbinding safety is further improved. Through the system, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet. Furthermore, through the system, the combination of a traditional bank account system and a digital currency system is facilitated, the use convenience and flexibility of the digital currency are greatly improved, and the digital currency popularization threshold is reduced.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (13)
1. A method of unbinding a digital currency application wallet and a bank wallet, the method comprising:
after receiving a wallet unbinding request submitted by a user, sending a bank wallet access authentication entrance request to the user;
receiving a bank wallet access authentication element submitted by a user, and performing identity authentication on the user according to the bank wallet access authentication element;
under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user; wherein the digital currency is an encryption string, the encryption string comprising: a monetary amount, an issuer identification, and an owner identification; the bank wallet is a digital money wallet provided by a bank subject, and the digital money application wallet is a digital money wallet provided by a non-bank subject.
2. The method of claim 1, wherein the step of unbinding the binding relationship between the user's digital currency application wallet and bank wallet comprises:
deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state.
3. The method of claim 1, wherein the binding relationship of the user's digital currency application wallet and bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
4. The method of claim 1, wherein prior to the step of sending a bank wallet access authentication portal request to the user, the method further comprises:
and confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
5. The method of claim 3,
the wallet unbinding request comprises application wallet facilitator authentication information and an application wallet facilitator digital signature;
the step of confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request comprises the following steps: and confirming that the authentication information of the application wallet facilitator and the digital signature of the application wallet facilitator are correct.
6. The method of claim 1, wherein the step of unbinding the binding relationship between the user's digital currency application wallet and bank wallet comprises:
searching the binding relationship between the application wallet of the user and the bank wallet, and sending the binding relationship to the user;
and releasing the binding relationship between the digital currency application wallet and the bank wallet of the user according to the wallet unbinding confirmation information submitted by the user.
7. A system for unbinding a digital currency application wallet and a bank wallet, the system comprising:
the system comprises a user access module, a wallet binding module and a binding module, wherein the user access module is used for sending a bank wallet access authentication entrance request to a user after receiving a wallet unbinding request submitted by the user;
the bank wallet access authentication module is used for receiving bank wallet access authentication elements submitted by a user and authenticating the identity of the user according to the bank wallet access authentication elements; and, in case that the user identity authentication passes, the bank wallet access authentication module is further configured to: releasing the binding relationship between the user's digital currency application wallet and a bank wallet; wherein the digital currency is an encryption string, the encryption string comprising: a monetary amount, an issuer identification, and an owner identification; the bank wallet is a digital money wallet provided by a bank subject, and the digital money application wallet is a digital money wallet provided by a non-bank subject.
8. The system of claim 7, wherein the bank wallet access authentication module unbinding the user's digital currency application wallet from the bank wallet comprises: and the bank wallet access authentication module deletes the binding relationship between the digital currency application wallet of the user and the bank wallet or marks the binding relationship as an invalid state.
9. The system of claim 7, wherein the binding relationship between the user's digital currency application wallet and a bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
10. The system of claim 7, further comprising: a service provider authentication module;
before the user access module sends a bank wallet access authentication entrance request to the user, the service provider authentication module is used for confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
11. The system of claim 8,
the wallet unbinding request comprises application wallet facilitator authentication information and an application wallet facilitator digital signature;
the service provider authentication module confirms that the identity of the application wallet service provider is correct according to the wallet unbinding request, and comprises the following steps: the facilitator authentication module confirms that the application wallet facilitator authentication information and the application wallet facilitator digital signature are correct.
12. The system of claim 8, wherein the bank wallet access authentication module unbinding the user's digital currency application wallet from the bank wallet comprises:
the bank wallet access authentication module searches the binding relationship between the application wallet of the user and the bank wallet, and then sends the binding relationship to the user through the user access module;
and the bank wallet access authentication module releases the binding relationship between the digital currency application wallet of the user and the bank wallet according to the wallet unbinding confirmation information submitted by the user.
13. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 6.
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| CN112258178B (en) * | 2018-01-23 | 2024-01-26 | 创新先进技术有限公司 | Binding method of payment card, trust evaluation method, device and electronic equipment |
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| CN106096958A (en) * | 2016-05-27 | 2016-11-09 | 广州羊城通有限公司 | A kind of IC-card unbinds method with bank card |
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