CN107392602A - The method and system of enquiring digital currency wallet - Google Patents
The method and system of enquiring digital currency wallet Download PDFInfo
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- CN107392602A CN107392602A CN201710494623.2A CN201710494623A CN107392602A CN 107392602 A CN107392602 A CN 107392602A CN 201710494623 A CN201710494623 A CN 201710494623A CN 107392602 A CN107392602 A CN 107392602A
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- Prior art keywords
- wallet
- digital
- account row
- digital cash
- account
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- 238000000034 method Methods 0.000 title claims abstract description 39
- 230000005540 biological transmission Effects 0.000 claims description 8
- 238000012546 transfer Methods 0.000 claims description 8
- 230000007246 mechanism Effects 0.000 abstract description 8
- 238000005516 engineering process Methods 0.000 abstract description 5
- 238000007726 management method Methods 0.000 description 11
- 238000013461 design Methods 0.000 description 9
- 238000009826 distribution Methods 0.000 description 6
- 238000010586 diagram Methods 0.000 description 4
- 230000008901 benefit Effects 0.000 description 3
- 229910002056 binary alloy Inorganic materials 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 2
- 238000012790 confirmation Methods 0.000 description 2
- 230000000694 effects Effects 0.000 description 2
- 230000008569 process Effects 0.000 description 2
- 238000012545 processing Methods 0.000 description 2
- 238000012795 verification Methods 0.000 description 2
- 206010044565 Tremor Diseases 0.000 description 1
- 238000012550 audit Methods 0.000 description 1
- 238000004364 calculation method Methods 0.000 description 1
- 230000008859 change Effects 0.000 description 1
- 238000004590 computer program Methods 0.000 description 1
- 238000000151 deposition Methods 0.000 description 1
- 238000011161 development Methods 0.000 description 1
- 235000013399 edible fruits Nutrition 0.000 description 1
- PCHJSUWPFVWCPO-UHFFFAOYSA-N gold Chemical compound [Au] PCHJSUWPFVWCPO-UHFFFAOYSA-N 0.000 description 1
- 239000010931 gold Substances 0.000 description 1
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Classifications
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3674—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes involving authentication
-
- 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
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- 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
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
-
- 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
- G06Q20/3825—Use of electronic signatures
Abstract
The invention discloses a kind of method and system of enquiring digital currency wallet, it is related to field of computer technology.One embodiment of this method includes：Account row user accesses system and sends the digital cash wallet inquiry request information of user to account row wallet access authentication system to be authenticated to user identity；Account row user access system certification by when send digital cash wallet inquiry request information to account row application system；Account row application system is verified to digital signature, and wallet Query Information is generated after being verified and is sent to account row digital coin systems；Account row digital coin systems are inquired about according to wallet Query Information to draw wallet Query Result information.The embodiment can on the basis of bank account system system of the expanding digital currency wallet function without changing existing bank account, user can realize user directly to the access queries of digital cash wallet by newly-increased digital cash wallet independent authentication mechanism.
Description
Technical field
The present invention relates to field of computer technology, more particularly to a kind of method and system of enquiring digital currency wallet.
Background technology
The existing legal tender in China is the RMB of Central Bank's distribution.The distribution of RMB is based on existing " Central Bank-business
Industry bank " binary system, i.e., issued currency by the Central Bank to business bank, and is steam again by business bank to the Central Bank
Currency.
With the extensive use of the fast development, particularly Internet technology of science and technology, the payment knot in global range
There occurs huge change, various electronic money, virtual digit currency, digital cash product and its payment and settlement service for calculation mode
Emerge in an endless stream.
The appearance of digital cash is trend of the times.The virtual digit currency existent value shakiness of private sector's distribution at present,
Public credibility is not strong, tolerance interval is limited, easily produces the essence such as larger negative external effect lacks.At the same time, private sector is sent out
Capable virtual digit currency in itself there is feature, the Central Banks such as anonymity, high diffusivity rate and high fluctuation must strictly examine
Considering its impact brought on Payment System operation, currency system operation and financial stability influences.Therefore, pushed away by the Central Bank
It is imperative to move the legal digital cash of distribution, optimization and upgrading legal tender distribution circulation systems.
In process of the present invention is realized, inventor has found that at least there are the following problems in the prior art：Due to digital cash
It can embody or be carried in digital cash wallet, prior art lacks the method for enquiring digital currency wallet, does not also access
The method of digital cash wallet.
The content of the invention
In view of this, the embodiment of the present invention provides a kind of method and system of enquiring digital currency wallet, can be in bank
System of the expanding digital currency wallet function without changing existing bank account on the basis of system of account, user can be by new
The digital cash wallet independent authentication mechanism of increasing, realizes user directly to the access queries of digital cash wallet.
To achieve the above object, a kind of one side according to embodiments of the present invention, there is provided enquiring digital currency wallet
Method.
A kind of method of enquiring digital currency wallet of the embodiment of the present invention includes：Account row user accesses system by user
Digital cash wallet inquiry request information send to account row wallet access authentication system；The digital cash wallet inquiry please
Information is asked to carry the digital signature of user；Account row wallet access authentication system is authenticated to user identity；The account
Row user access system in the case of, sends the digital cash wallet inquiry request information to account row in the certification
Application system；The account row application system is verified to the digital signature, and wallet Query Information is generated after being verified,
It is then forwarded to account row digital coin systems；The account row digital coin systems are looked into according to the wallet Query Information
Ask to draw wallet Query Result information, and return to the Query Result information.
Alternatively, generation wallet Query Information includes：Inquired about according to the digital cash wallet inquiry request acquisition of information
Demand；The digital cash wallet that user accesses is obtained, wallet mark to be checked is added for the digital cash wallet.
Alternatively, the query demand includes the digital cash mark deposited in digital cash wallet and/or inquiry and number
Wallet is applied in the binding of word currency wallet.
Alternatively, when the query demand includes the application wallet of inquiry and the binding of digital cash wallet, methods described
Also include：The account row application system is sent using wallet binding inquiry letter to the account row wallet access authentication system
Breath；Then receive with digital cash wallet binding using wallet；Given birth to further according to the digital cash wallet
Into digital cash wallet Query Result information, and send to the account row user and access system；It is described application wallet be
Account row wallet access authentication system inquiry according to the information inquiry using wallet that the digital cash wallet is bound and
Obtain.
Alternatively, the account row user accesses system, the account row wallet access authentication system, the account line number
Information transfer between word money-system and the account row application system is by the way of encrypted transmission.
To achieve the above object, a kind of another aspect according to embodiments of the present invention, there is provided enquiring digital currency wallet
System.
A kind of system of enquiring digital currency wallet of the embodiment of the present invention includes：Account row user accesses system, account
Row wallet access authentication system, account row application system and account row digital coin systems, wherein：The account row user visits
Ask that system is used to send the digital cash wallet inquiry request information of user to account row wallet access authentication system；The number
Word currency wallet inquiry request information carries the digital signature of user；The account row wallet access authentication system be used for
Family identity is authenticated；The account row user accesses system and is additionally operable in the certification in the case of, sends the number
Word currency wallet inquiry request information is to account row application system；The account row application system is used to enter the digital signature
Row checking, generates wallet Query Information, is then forwarded to the account row digital coin systems after being verified；The account row
Digital coin systems are used to be inquired about according to the wallet Query Information to draw wallet Query Result information, and return to institute
State Query Result information.
Alternatively, the account row digital coin systems are additionally operable to：According to the digital cash wallet inquiry request information
Obtain query demand；The digital cash wallet of user access authentication is obtained, wallet to be checked is added for the digital cash wallet
Mark.
Alternatively, the query demand includes the digital cash mark deposited in digital cash wallet and/or inquiry and number
The digital cash wallet of word currency wallet binding.
Alternatively, when the query demand includes the application wallet of inquiry and the binding of digital cash wallet, the account
Row application system is additionally operable to：Sent to the account row wallet access authentication system using wallet binding Query Information；Then connect
Receive with digital cash wallet binding using wallet；Further according to the application wallet generation binding Query Result
Information, and send to the account row user and access system；The application wallet is the account row wallet access registrar
System queries obtain according to what the digital cash wallet was bound using the information inquiry of wallet.
Alternatively, the account row user accesses system, the account row wallet access authentication system, the account line number
Information transfer between word money-system and the account row application system is by the way of encrypted transmission.
To achieve the above object, a kind of another aspect according to embodiments of the present invention, there is provided computer-readable medium.
A kind of computer-readable medium of the embodiment of the present invention, is stored thereon with computer program, and described program is processed
Device realizes the enquiring digital currency wallet of embodiment of the present invention method when performing.
One embodiment in foregoing invention has the following advantages that or beneficial effect：Because using in existing bank account body
On the basis of system, the design of digital cash wallet is expanded, user can access digital cash by digital cash wallet account
Wallet, so as to provide the technological means of enquiring digital currency wallet, so overcoming prior art lacks enquiring digital currency
The method of wallet, also without the technical problem for the method for accessing digital cash wallet.This programme is on the basis of bank account system
System of the upper expanding digital currency wallet function without changing existing bank account, can be only by newly-increased digital cash wallet
Vertical authentication mechanism, realizes user directly to the access queries of digital cash wallet.
Further effect adds hereinafter in conjunction with embodiment possessed by above-mentioned non-usual optional mode
With explanation.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not form inappropriate limitation of the present invention.Wherein：
Fig. 1 is the schematic diagram of the main flow of the method for enquiring digital currency wallet according to embodiments of the present invention；
Fig. 2 is the schematic diagram of the main modular of the system of enquiring digital currency wallet according to embodiments of the present invention；
Fig. 3 is that the method for enquiring digital currency wallet according to embodiments of the present invention realizes block schematic illustration.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
Arrive, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, the description to known function and structure is eliminated in following description.
When being managed to digital cash, individually set up digital cash system in order to buffer and brought to existing banking system
Impact, also for protecting business bank existing system investments to greatest extent, in the specific design of digital cash system,
It is contemplated that in business bank's traditional account system, digital cash wallet attribute is introduced, realizing can both manage under an account
Existing electronic money, digital cash can also be managed.Electronic money management has its general character with digital cash management, as account makes
Shifted etc. with, authentication, fund, but there is also difference.Digital cash management should meet the relevant digital cash wallet of Central Bank and set
Meter standard, digital cash wallet is similar to the concept of safe deposit box, and being not involved in day, meter such as puies forward at the business eventually, bank by according to and client pact
Determine rights management safe deposit box (for example there must be two keys of client and bank to open etc. agreement).
Advantage of this is that having continued to use the way of note issuance binary system, digital cash belongs to M0 categories, is hair paper money
Capable debt, outside the balance sheet of account row., will not because account row is still also in substantive managing customer and account
Cause business bank by channelizing or marginalisation.Circle different from the past is deposited cash gold, and digital cash not exclusively relies on bank's account
Family, directly can really be weighed by sending out paper money row, and point-to-point cash transaction is realized using the digital cash wallet of client.Digital goods
Coin weighs support hair paper money row really, and traditional account is combined with digital cash, can greatly strengthen bank KYC (Know Your
Customer, be fully understood by your client) with AML (Anti-Money Laundering, anti money washing) ability.
When being managed to digital cash, the hair paper money row of digital cash can be that Central Bank or Central Bank authorize
Fa Chao mechanisms (such as Hongkong dollar issuing mode).Which kind of specifically chosen issuing way obtains determines according to actual conditions.
In the environment of the centralized and unified distribution digital cash of the Central Bank, the digital cash in bank of business bank storehouse belongs to
The assets of business bank, the debt of the Central Bank；Digital cash in business bank's customer account then belongs to the assets of client, in
Entreat the debt of bank.Point-to-point transaction digital cash between client, by Central Bank's digital cash publishing system be traded confirmation with
Management, Central Bank undertake transaction responsibility；Transaction e currency, then it is consistent with existing procedure, pass through Central Bank's inter-bank payment system, business
Kernel business of bank system is completed.
In the environment of Central Bank authorizes and issues legal digital cash, the digital cash in bank of business bank storehouse belongs to business
The assets of bank, send out the debt of paper money row；Digital cash in business bank's customer account then belongs to the assets of client, hair paper money row
It is in debt (hair paper money row is not necessarily account row).Point-to-point transaction digital cash between client, advanced by legal digital cash hair paper money
Row trade confirmation and management (whose management who issues), Central Bank undertakes supervision responsibility；Transaction e currency, then with existing procedure one
Cause, completed by Central Bank's inter-bank payment system, business bank's core business system.
In the design of digital cash wallet, all digital cash wallets need to meet the specification of Central Bank's offer.Bank end
Digital cash wallet is lighter, only provides the indispensable attributes of security management and control and account layer correlation, lays particular emphasis on the management of digital cash；
The wallet for the client that application service provider provides is heavier, and its function can extend to presentation layer and application layer.
Below exemplified by issuing subsidy step by step, to introducing digital cash wallet attribute in business bank's system of account
Benefit illustrates：
Certain ministries and commissions provides special subsidy in the form of digital cash, is issued to the enterprise or individual for obtaining subsidy step by step
People.The traceable characteristic of digital cash is relied on, aids in certain intelligent contract rights management, ministries and commissions' can is independent of other
Business participant, through type grasp subsidy granting situations at different levels, avoid Lower Establishment from diverting the risk of subsidy, realize that special fund is special
With.But if being implanted into digital cash wallet attribute not in business bank's system of account, certainly will want mechanism at different levels, each subsidy by
Beneficial people opens and using digital cash wallet, not only needs to consider the selection of digital cash wallet physical support, and further relate to
Numerous participants, Central Bank it is big will to promote difficulty directly facing terminal user.And digital goods is introduced based on business bank's system of account
Coin wallet attribute, application obscure portions can transform solution on business bank backstage.For terminal users at different levels, existing account is utilized
Family, this is completed by the mode of operation can of the existing channel such as bank counter, Web bank, Mobile banking and custom and taken
Business.
By increasing digital cash attribute newly in business bank's system of account, legal digital cash not only can be with organic involvement
" Central Bank-business bank " binary system, be multiplexed existing ripe financial infrastructure, it is often more important that, such a processing because
Special consideration " living in peace " problems of digital M0 in business bank's system, can both be allowed to independent, can be layered again simultaneously
With.Hair paper money row need to be only responsible for digital cash in itself, and account row undertakes actual business, and application developers are implemented specific real
Existing, Each performs its own functions, sharpness of border, if being aided with other means (for example can take the circumstances into consideration to collect retention fee, be substantially identical to negative profit
Rate), the possibility that narrow sense bank occurs can be reduced.
The general frame design to digital cash wallet illustrates below：
The application, binding, solution that the design of digital cash wallet includes digital cash wallet are bound, paid, inquiring about, deposit is converted
Changing flow, the digital cash Wallet Systems of structure such as digital cash, digital cash exchange deposit and cancellation includes account row system
System and hair paper money row digital coin systems.Hair paper money row digital coin systems not region be directly facing user.Account row system includes：Account row
Access system, account row application system, account row bank account access authentication system, account row wallet access authentication system, account
Family row account core system and account row digital coin systems.Account row accesses system and region be directly facing user, for providing user
Front-end access or application service based on Web (World Wide Web, WWW) or APP (Application, application program)
Business is based on API (Application Programming Interface, application programming interface) access；Here use
Family includes personal user and enterprise customer.Account row application system is used for providing account and the service function of wallet.Account row account
Family core system is used for handling the book keeping operation of user's bank account, transaction etc..Account row digital coin systems account executive row bank storehouse,
It (Certification Authority, is in e-business certification mandate that user's wallet and responsible user's wallet, which open CA,
The heart) sign and issue, call hair paper money row digital coin systems to complete the bottom function of final digital cash, such as：Wallet is opened, noted
Pin, digital cash transfer etc..
Account row system has provided the user the certification channel of two access digital cash wallets：The first is to pass through account
Row bank account access authentication system is authenticated；The authentication mode is default and main channel, and this mode certification is suitable
Wallet function is accessed by logging in the access authentication system of bank account in user, is a kind of existing bank account access registrar
The access module of system extension).Another kind is authenticated by account row wallet access authentication system；This mode certification phase
When there is independent certification entrance in wallet, wallet function is accessed and separated with Account Features access, is provided by digital cash wallet
Independent api interface to provide support for user's application service.Subsequently in the management process of digital cash wallet, same number
The operation that word currency wallet accesses can also have both different channels.With the first side when digital cash wallet application
Formula is authenticated, other to use two kinds of channels.
Under above two mode, user asks processing path to be slightly different, by bank account access authentication system certification,
Account row application system can access account core system or access digital coin systems.Pass through wallet access registrar system
System certification, account row application system can only access digital coin systems, can also when digital cash is exchanged into deposit
Account core system is called to be kept accounts.
The digital cash wallet opened by account row bank account authentication mode, it is default by bank account and the digital goods
Coin wallet is bound.When bank account and digital cash wallet are bound, the basic family of bank or I classes bank can be used
Account binds digital cash wallet.Implementing to be：Identified by depositing wallet in I class accounts, while in digital goods
Also the account identification of association is saved in coin wallet.After bank account binding wallet：Recognized by bank account access authentication system
Card can access digital cash wallet, but cannot access account by the system authentication of wallet service authentication.Digital cash wallet
Interior digital cash and the exchange of deposit are carried out by the bank account bound.
The flow of enquiring digital currency wallet in the embodiment of the present invention is illustrated below：
Fig. 1 is the schematic diagram of the main flow of the method for enquiring digital currency wallet according to embodiments of the present invention.
As shown in figure 1, the method for the enquiring digital currency wallet of the embodiment of the present invention mainly comprises the following steps：
Step S101：Account row user accesses system and sends the digital cash wallet inquiry request information of user to account
Row wallet access authentication system.
When user is in requesting query digital cash wallet, it is necessary to be authenticated to user identity.In the embodiment of the present invention,
The digital cash wallet inquiry request information of transmission carries the digital signature of user.
Step S102：Account row wallet access authentication system is authenticated to user identity.
User identity is authenticated by account row wallet access authentication system, after user is by certification, can be accessed
Digital cash wallet corresponding to the certification.
Step S103：Account row user accesses system in certification in the case of, and sending the inquiry of digital cash wallet please
Information is sought to account row application system.
Step S102 certification by representing digital cash wallet corresponding to user's Internet access certification, now account
Row user accesses system and sends digital cash wallet inquiry request information to account row application system.The digital cash wallet is looked into
User's mark and query demand etc. can be included by asking solicited message.
Step S104：Account row application system is verified to digital signature, and wallet Query Information is generated after being verified,
It is then forwarded to account row digital coin systems.
After account row application system receives digital cash wallet inquiry request information, to ensure the access record of the audit of system
Integrality, the digital signature carried in digital cash wallet inquiry request information is verified, be verified and then represent to pass through
The user of digital certificate authentication can access account row digital coin systems so as to enquiring digital currency wallet, now generate wallet
Query Information is sent to account row digital coin systems.
Wallet Query Information includes query demand and wallet to be checked identifies.In embodiments of the present invention, generation wallet is looked into
Asking information includes：According to digital cash wallet inquiry request acquisition of information query demand；Obtain the digital cash money that user accesses
Bag, wallet mark to be checked is added for digital cash wallet.
Query demand can include query time, the digital cash mark in wallet, current balance, transaction details, inquiry
With the binding of digital cash wallet using wallet etc..In embodiments of the present invention, query demand identifies including digital cash.
Step S105：Account row digital coin systems are inquired about according to wallet Query Information to draw wallet Query Result
Information, and return to Query Result information.
After account row digital coin systems receive inquiry request, wallet is generated according to wallet to be checked mark and query demand
Query Result information, and Query Result information is back to account row application system through account row application system.
In addition, in embodiments of the present invention, when query demand includes inquiry with the binding of digital cash wallet using wallet
When, the method for enquiring digital currency wallet also includes：Account row application system is sent to account row wallet access authentication system should
Query Information is bound with wallet；Then receive with the binding of digital cash wallet using wallet；Believe further according to application wallet
Breath generation digital cash wallet binding Query Result information, and send to account row user and access system；This applies wallet
It is that account row wallet access authentication system obtains according to what digital cash wallet was bound using the information inquiry of wallet.
When query demand includes the digital cash wallet of inquiry and the binding of digital cash wallet, enquiring digital currency wallet
Method also include step 1) to 3).
Step 1)：Account row application system is sent using wallet binding inquiry letter to account row wallet access authentication system
Breath.
When needing to inquire about the application wallet with the binding of digital cash wallet, account row application system is visited to account row wallet
Ask that Verification System sends binding Query Information, this, which is tied up digital cash wallet and determines Query Information, includes digital cash wallet.
Step 2)：Receive with the binding of digital cash wallet using wallet.
The digital cash wallet received in this step is account row wallet access authentication system according to digital cash
Obtained from the information inquiry using wallet of wallet binding.
Step 3)：According to application wallet generation digital cash wallet Query Result information, and send to account row and use
Family accesses system.
After the information for inquiring digital cash wallet, account row application system generates digital cash wallet according to the information and looked into
Object information is ask, and digital cash wallet Query Result information is sent to account row user and accesses system.
It is the wallet outside account row using wallet it should be noted that in the embodiment of the present invention, is that a kind of service provider carries
The purse application service of confession, equivalent to software and application system.
To ensure the security of system, escape way is realized in system, mutually can be with authenticating identity, data encryption and guarantor
Integrality is demonstrate,proved, and the safety certification of information transfer, encryption can be selected by industry standard.In embodiments of the present invention, account row
User is accessed between system, account row wallet access authentication system, account row digital coin systems and account row application system
Information transfer by the way of encrypted transmission.
The method of enquiring digital currency wallet according to embodiments of the present invention can be seen that because using in existing bank's account
On the basis of the system of family, the design of digital cash wallet is expanded, user can access numeral by digital cash wallet account
Currency wallet, so as to provide the technological means of enquiring digital currency wallet, so overcoming prior art lacks enquiring digital
The method of currency wallet, also without the technical problem for the method for accessing digital cash wallet.This programme is in bank account system
On the basis of system of the expanding digital currency wallet function without changing existing bank account, newly-increased digital cash money can be passed through
Bag independent authentication mechanism, realize user directly to the access queries of digital cash wallet.
Fig. 2 is the schematic diagram of the main modular of the system of enquiring digital currency wallet according to embodiments of the present invention.
As shown in Fig. 2 the system 200 of the enquiring digital currency wallet of the embodiment of the present invention includes：Account row user accesses
System 201, account row wallet access authentication system 202, account row application system 203 and account row digital coin systems 204,
Wherein：
The account row user accesses system 201 and is used to send the digital cash wallet inquiry request information of user to account
Family row wallet access authentication system；The digital cash wallet inquiry request information carries the digital signature of user；
The account row wallet access authentication system 202 is used to be authenticated user identity；
The account row user accesses system 201 and is additionally operable in the certification in the case of, sends the digital goods
Coin wallet inquiry request information is to account row application system；
The account row application system 203 is used to verify the digital signature, wallet is generated after being verified and is looked into
Information is ask, is then forwarded to the account row digital coin systems；
The account row digital coin systems 204 are used to be inquired about according to the wallet Query Information to show that wallet is looked into
Object information is ask, and returns to the Query Result information.
In the embodiment of the present invention, the account row digital coin systems 204 are additionally operable to：Looked into according to the digital cash wallet
Ask solicited message and obtain query demand；The digital cash wallet of user access authentication is obtained, is added for the digital cash wallet
Wallet mark to be checked.
In the embodiment of the present invention, the query demand include digital cash wallet in deposit digital cash mark and/or
Inquiry applies wallet with the binding of digital cash wallet.
In addition, when the query demand includes the application wallet of inquiry and the binding of digital cash wallet, the account row
Application system is additionally operable to：Sent to the account row wallet access authentication system using wallet binding Query Information；Then receive
With digital cash wallet binding using wallet；Looked into further according to the application wallet generation digital cash wallet
Object information is ask, and sends to the account row user and accesses system；The application wallet is that the account row wallet is visited
Ask that Verification System inquires about being obtained using the information of wallet for the digital cash wallet binding.
In the embodiment of the present invention, the account row user accesses system, the account row wallet access authentication system, described
Information transfer between account row digital coin systems and the account row application system is by the way of encrypted transmission.
The system of enquiring digital currency wallet according to embodiments of the present invention can be seen that because using in existing bank's account
On the basis of the system of family, the design of digital cash wallet is expanded, user can access numeral by digital cash wallet account
Currency wallet, so as to provide the technological means of enquiring digital currency wallet, so overcoming prior art lacks enquiring digital
The method of currency wallet, also without the technical problem for the method for accessing digital cash wallet.This programme is in bank account system
On the basis of system of the expanding digital currency wallet function without changing existing bank account, newly-increased digital cash money can be passed through
Bag independent authentication mechanism, realize user directly to the access queries of digital cash wallet.
Fig. 3 is that the method for enquiring digital currency wallet according to embodiments of the present invention realizes block schematic illustration.
As shown in figure 3, in the embodiment of the present invention, user by account row system queries digital cash wallet, wherein, account
Row system includes account row user and accesses system, account row wallet access authentication system, account row application system and account line number
Word money-system, the digital cash wallet of user are the account row digital cash wallet under account row digital coin systems.Inquiry
The flow of digital cash wallet comprises the following steps：
Step S301：User sends digital cash wallet inquiry request information.
User accesses system by account row user and sends digital cash wallet inquiry request information, to inquire about the number of user
The information of word currency wallet.The digital cash wallet inquiry request information carries the digital signature of user, digital cash wallet
Inquiry request information can include：User identifies and query demand, wherein, query demand can include in query time, wallet
The digital cash mark of storage, current balance, transaction details etc..
Step S302：User identity is authenticated.
After account row user accesses the digital cash wallet inquiry request information that system receives user's transmission, by user's
Digital cash wallet inquiry request information is sent to account row wallet access authentication system, passes through account row wallet access registrar system
System is authenticated to user identity.By rear, user may have access to digital cash wallet corresponding to the certification for certification.
Step S303：Account row user accesses system and sends digital cash wallet inquiry request information to account row application
System.
Certification by rear, the digital cash wallet inquiry request information of user by account row user access system send to
Account row application system.
Step S304：Account row application system identifies wallet to be checked.
After account row application system receives digital cash wallet inquiry request information, obtaining the inquiry of digital cash wallet please
The digital signature of the user carried in information is sought, and the digital signature is verified, the number accessed after being verified for user
Word currency wallet adds wallet mark to be checked；Meanwhile obtain the query demand in digital cash wallet inquiry request information.Will
Wallet mark to be checked and query demand are sent to account row digital coin systems as Query Information.
Step S305：Generate wallet Query Result information.
After account row digital coin systems receive Query Information, the wallet identifier lookup to be checked in Query Information
Corresponding digital cash wallet, and the digital cash wallet is inquired about according to query demand, so as to generate wallet inquiry knot
Fruit information, and Query Result information is back to account row user through account row application system and accesses system.
If it should be noted that also apply wallet, account including the binding of enquiring digital currency wallet in query demand
Family row application system is sent using wallet binding Query Information to account row wallet access authentication system, and this is looked into using wallet binding
Asking information includes digital cash wallet, and account row wallet access authentication system is according to this using wallet binding Query Information
After being inquired about, this is back to account row application system using wallet, account row application system is believed according to application wallet
Breath generation digital cash wallet Query Result information, and access system to account row user and return to Query Result.
Wherein, it is the wallet outside account row using wallet, is the purse application service that a kind of service provider provides, equivalent to
Software and application system.
From the above, it can be seen that because using on the basis of existing bank account system, digital cash is expanded
The design of wallet, user can access digital cash wallet by digital cash wallet account, so as to provide enquiring digital goods
The technological means of coin wallet, so the method that prior art lacks enquiring digital currency wallet is overcome, it is also digital without accessing
The technical problem of the method for currency wallet.This programme on the basis of bank account system expanding digital currency wallet function without
Changing the system user of existing bank account can realize that user is direct by newly-increased digital cash wallet independent authentication mechanism
To the access queries of digital cash wallet.
Above-mentioned embodiment, does not form limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, various modifications, combination, sub-portfolio and replacement can occur.It is any
Modifications, equivalent substitutions and improvements made within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (11)
- A kind of 1. method of enquiring digital currency wallet, it is characterised in that including：Account row user, which accesses system and sends to account row wallet to access by the digital cash wallet inquiry request information of user, to be recognized Card system；The digital cash wallet inquiry request information carries the digital signature of user；The account row wallet access authentication system is authenticated to user identity；The account row user access system in the case of, sends the digital cash wallet inquiry request in the certification Information is to account row application system；The account row application system is verified to the digital signature, wallet Query Information is generated after being verified, then Send to account row digital coin systems；The account row digital coin systems are inquired about according to the wallet Query Information to draw wallet Query Result information, And return to the Query Result information.
- 2. according to the method for claim 1, it is characterised in that generation wallet Query Information includes：According to the digital cash wallet inquiry request acquisition of information query demand；The digital cash wallet that user accesses is obtained, wallet mark to be checked is added for the digital cash wallet.
- 3. according to the method for claim 2, it is characterised in that the query demand includes what is deposited in digital cash wallet Digital cash identifies and/or inquiry applies wallet with what digital cash wallet was bound.
- 4. according to the method for claim 2, it is characterised in that when the query demand includes inquiry and digital cash wallet During the application wallet of binding, methods described also includes：The account row application system is sent to the account row wallet access authentication system carries answering for bank's wallet Query Information is bound with wallet；Then receive with digital cash wallet binding using wallet；Answered further according to described Query Result information is bound with wallet generation digital cash wallet, and sends to the account row user and accesses system；Institute It is application of the account row wallet access authentication system inquiry according to digital cash wallet binding to state using wallet The information inquiry of wallet and obtain.
- 5. the method according to claim 1 or 4, it is characterised in that the account row user accesses system, the account row Information transfer between wallet access authentication system, the account row digital coin systems and the account row application system is adopted With the mode of encrypted transmission.
- 6. a kind of system of enquiring digital currency wallet, it is characterised in that access system, account row wallet including account row user Access authentication system, account row application system and account row digital coin systems, wherein：The account row user accesses system and is used to send the digital cash wallet inquiry request information of user to account row money Bag access authentication system；The digital cash wallet inquiry request information carries the digital signature of user；The account row wallet access authentication system is used to be authenticated user identity；The account row user accesses system and is additionally operable in the certification in the case of, sends the digital cash wallet and looks into Solicited message is ask to account row application system；The account row application system generates wallet Query Information for being verified to the digital signature after being verified, It is then forwarded to the account row digital coin systems；The account row digital coin systems are used to be inquired about according to the wallet Query Information to draw wallet Query Result Information, and return to the Query Result information.
- 7. system according to claim 6, it is characterised in that the account row digital coin systems are additionally operable to：According to the digital cash wallet inquiry request acquisition of information query demand；The digital cash wallet of user access authentication is obtained, wallet mark to be checked is added for the digital cash wallet.
- 8. system according to claim 7, it is characterised in that the query demand includes what is deposited in digital cash wallet Digital cash identifies and/or inquiry applies wallet with what digital cash wallet was bound.
- 9. system according to claim 7, it is characterised in that when the query demand includes inquiry and digital cash wallet During the application wallet of binding, the account row application system is additionally operable to：Sent to the account row wallet access authentication system using wallet binding Query Information；Then receive and the digital goods Wallet is applied in the binding of coin wallet；Digital cash wallet Query Result information is generated further according to the application wallet, And send to the account row user and access system；The application wallet is that the account row wallet access authentication system is looked into Ask being obtained using the information of wallet for the digital cash wallet binding.
- 10. the system according to claim 6 or 9, it is characterised in that the account row user accesses system, the account Information transfer between row wallet access authentication system, the account row digital coin systems and the account row application system By the way of encrypted transmission.
- 11. a kind of computer-readable recording medium, computer instruction is stored with the computer-readable recording medium, its feature It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy Enough perform claims require the method any one of 1-5.
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| CN201710494623.2A CN107392602B (en) | 2017-06-26 | 2017-06-26 | Method and system for querying digital currency wallet |
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| CN201710494623.2A CN107392602B (en) | 2017-06-26 | 2017-06-26 | Method and system for querying digital currency wallet |
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| CN107392602A true CN107392602A (en) | 2017-11-24 |
| CN107392602B CN107392602B (en) | 2020-11-13 |
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| CN201710494623.2A Active CN107392602B (en) | 2017-06-26 | 2017-06-26 | Method and system for querying digital currency wallet |
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| CN110209691A (en) * | 2019-06-11 | 2019-09-06 | 优赋全球(北京)网络科技有限公司 | A kind of data processing method and device |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN108092778A (en) * | 2017-12-28 | 2018-05-29 | 中国人民银行数字货币研究所 | Method and system based on digital cash wallet inquiry interlock account |
| CN108197214A (en) * | 2017-12-28 | 2018-06-22 | 中国人民银行数字货币研究所 | The querying method and inquiry system of digital cash Transaction Information |
| CN108197214B (en) * | 2017-12-28 | 2020-12-29 | 中国人民银行数字货币研究所 | Method and system for inquiring digital currency transaction information |
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| CN110209691A (en) * | 2019-06-11 | 2019-09-06 | 优赋全球(北京)网络科技有限公司 | A kind of data processing method and device |
| CN110209691B (en) * | 2019-06-11 | 2022-04-05 | 优赋全球(北京)网络科技有限公司 | Data processing method and device |
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