CN107392753B - Method and system for logging out digital money wallet - Google Patents
Method and system for logging out digital money wallet Download PDFInfo
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Abstract
The embodiment of the invention provides a method and a system for logging out a digital money wallet, which are used for logging out the digital money wallet of a user. The method comprises the following steps: the account bank user access system calls the account bank wallet access authentication system to perform identity authentication on the user, receives logout request information with a user digital signature after the identity authentication is passed and sends the logout request information to the account bank digital currency system; the account bank digital currency system verifies the digital signature of the user, confirms that the digital currency wallet can be cancelled after the verification is passed, and then sends cancellation registration request information with the account bank digital signature and the cancellation wallet digital signature to the bank-note issuing bank digital currency system; the bank-note issuing line digital currency system verifies the account line digital signature and the wallet canceling digital signature, performs canceling registration on the digital currency wallet after the verification is passed, and returns the successful canceling registration information with the bank-note issuing line digital signature; and the account bank digital currency system cancels the digital currency wallet after receiving the information of successful cancellation and registration.
Description
Technical Field
The invention relates to the field of computers, in particular to a method and a system for logging out a digital currency wallet.
Background
Any currency needs to be carried, and the digital currency can be embodied or carried in a digital currency wallet. Because the issuance of the money in China follows a binary system from a central bank to a commercial bank, and the current social and economic activities are mainly developed based on a commercial bank account system, the mature IT (Information Technology) infrastructure and an application and service system of the bank can be fully utilized by means of the bank account system in the design of the digital money wallet system, so that the popularization threshold of the digital money is greatly reduced, the use convenience and flexibility are improved, and the digital money is beneficial to the most extensive customer groups.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art: the prior art lacks a process of logging out the digital money wallet, which causes inconvenience for users.
Disclosure of Invention
In view of this, embodiments of the present invention provide a method and a system for logging out a digital money wallet, which can log out a digital money wallet corresponding to a user.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of deregistering a digital money wallet.
The method for logging out the digital currency wallet of the embodiment of the invention comprises the following steps: the account bank user access system calls the account bank wallet access authentication system to perform identity authentication on the user according to the digital money wallet CA certificate, receives digital money wallet logout request information with a user digital signature after the identity authentication is passed, and then sends the request information to the account bank digital money system; the digital currency wallet is used for carrying digital currency, and the digital currency is legal currency which takes an encrypted digital string representing specific amount as a representation form; the account bank digital currency system verifies the digital signature of the user, confirms that the digital currency wallet can be cancelled after the verification is passed, and then sends cancellation registration request information with the account bank digital signature and the cancellation wallet digital signature to the money issuing bank digital currency system; the money-sending line digital currency system verifies the account line digital signature and the wallet canceling digital signature, performs cancellation registration on the digital currency wallet appointed in the cancellation registration request information after the verification is passed, and returns cancellation registration success information with the money-sending line digital signature to the account line digital currency system; and the account bank digital currency system logs out the digital currency wallet after receiving the log-out registration success information.
Optionally, the step of confirming that the digital money wallet may be revoked comprises: confirming that the digital money wallet corresponding to the user is consistent with the digital money wallet specified in the digital money wallet logout request information, and confirming that no digital money exists in the digital money wallet.
Optionally, after the account bank digital money system receives the logout registration success message and then logs out the digital money wallet, the method further includes: the account line digital currency system sends the unbinding request information to an account line account core system; the account bank account core system unbinds bank accounts from digital currency purses.
Optionally, after the issuing bank number digital money system verifies that the account number digital signature and the deregistration wallet digital signature pass, and before deregistering the digital money wallet specified in the deregistration request information, further comprising: and after confirming that no digital money exists in the digital money wallet appointed in the deregistration request information, deregistering the digital money wallet.
Optionally, the logging out digital money wallet, comprising: the status of the digital money wallet specified in the deregistration registration success information is set to be deregistered.
Optionally, the account bank account core system unbinds the bank account from the digital currency wallet, including: and deleting the wallet identification in the bank account.
Optionally, the account line user access system invokes an account line wallet access authentication system to authenticate the user according to the digital currency wallet CA certificate, including: the account row user access system sends an identity authentication request to the account row wallet access authentication system; and the account bank wallet access authentication system performs identity authentication on the user according to the digital money wallet CA certificate and feeds back an identity authentication result to the account bank user access system.
Optionally, after the account line digital money system sends the unbinding request message to the account line account core system, the method further includes: the account bank digital currency system sends application wallet binding cancellation request information to an account bank wallet access authentication system; and after the account bank wallet access authentication system confirms that the digital money wallet specified by the logout and registration success information is bound with an application wallet, deleting the application wallet, an application wallet CA certificate and the associated information of the digital money wallet.
To achieve the above object, according to another aspect of an embodiment of the present invention, there is provided a system for deregistering a digital money wallet.
The system for logging out the digital money wallet of the embodiment of the invention comprises: the system comprises an account row user access system, an account row wallet access authentication system, an account row digital currency system and a money-issuing row digital currency system, wherein the account row user access system is used for calling the account row wallet access authentication system to authenticate the identity of a user according to a digital currency wallet CA certificate, receiving digital currency wallet logout request information with a user digital signature after the identity authentication is passed, and then sending the request information to the account row digital currency system; the digital currency wallet is used for carrying digital currency, and the digital currency is legal currency which takes an encrypted digital string representing specific amount as a representation form; the account bank digital currency system is used for verifying the digital signature of the user, confirming that the digital currency wallet can be cancelled after the verification is passed, and then sending the cancellation and registration request information with the digital signature of the account bank and the digital signature of the cancellation wallet to the bank-note-issuing bank digital currency system; the bank note issuing line digital currency system is used for verifying the account line digital signature and the wallet canceling digital signature, canceling and registering the digital currency wallet appointed in the canceling and registering request information after the account line digital currency system passes the verification, and returning the successful canceling and registering information with the bank note issuing line digital signature to the account line digital currency system; and the account line digital currency system is also used for logging out the digital currency wallet after receiving the information of successful logging out and registering.
Optionally, the account line digital currency system is further configured to: confirming that the digital money wallet corresponding to the user is consistent with the digital money wallet specified in the digital money wallet logout request information, and confirming that no digital money exists in the digital money wallet.
Optionally, the system further comprises an account row account core system, and the account row digital currency system is further configured to send unbinding request information to the account row account core system; the account bank account core system is used for unbinding a bank account from a digital currency wallet.
Optionally, the bank note issuing line digital currency system is further configured to: and after confirming that no digital money exists in the digital money wallet appointed in the deregistration request information, deregistering the digital money wallet.
Optionally, the account line digital currency system is further configured to: the status of the digital money wallet specified in the deregistration registration success information is set to be deregistered.
Optionally, the account row account core system is further configured to: and deleting the wallet identification in the bank account.
Optionally, the account row user access system is further configured to send an identity authentication request to the account row wallet access authentication system; the account bank wallet access authentication system is used for authenticating the identity of the user according to the CA certificate of the digital currency wallet and feeding back the identity authentication result to the account bank user access system.
Optionally, the account line digital currency system is further configured to send a logout application wallet binding request message to the account line wallet access authentication system; and the account bank wallet access authentication system is used for deleting the association information of the application wallet, the application wallet CA certificate and the digital money wallet after confirming that the digital money wallet specified by the logout and registration success information is bound with the application wallet.
To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer-readable storage medium.
A computer readable storage medium having stored thereon computer instructions executable by a computer or computer system to cause the computer or computer system to perform a method of deregistering a digital money wallet according to an embodiment of the present invention.
According to the technical scheme of the invention, one embodiment of the invention has the following advantages or beneficial effects: the identity of the user is authenticated, the digital signature is verified and the logout registration is carried out by calling an account bank wallet access authentication system, so that the logout of the digital money wallet corresponding to the user is finally realized; in the logout process, the account bank logs out after confirming that no digital money exists in the digital money wallet, so that the loss of the user is avoided; unbinding the bank account, the application wallet and the digital money wallet after logout, and removing the connection between the bank account and the digital money wallet and the connection between the application wallet and the digital money wallet; in the logout process, the bank note issuing bank confirms that no digital money exists in the digital money wallet again and then carries out logout, and the bank note issuing bank carries out independent verification in the process so as to prevent errors caused by system abnormity; the user performs identity authentication through the account bank wallet access authentication system and unbinds the application wallet from the digital currency wallet, wallet function access and account function access are separated, and the digital currency wallet logout system can independently provide service support for the user without going through a bank account.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
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The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
fig. 1 is a schematic diagram of the main steps of a method of deregistering a digital money wallet according to an embodiment of the present invention;
fig. 2 is a flow chart of a method of logging off a digital currency wallet according to an embodiment of the present invention;
fig. 3 is a main block diagram of a system for deregistering a digital money wallet according to an 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.
When managing digital currency, in order to buffer the impact of setting up a digital currency system alone on the existing bank system and to protect the existing system investment of commercial banks to the maximum extent, on the specific design of the digital currency system, the introduction of the attribute of a digital currency wallet on the traditional account system of the commercial banks can be considered, so that the existing electronic currency can be managed under one account, and the digital currency can also be managed. Electronic money management has common features with digital money management, such as account usage, identity authentication, fund transfer, etc., but there are also differences. The digital currency management shall conform to the design standard of digital currency wallet in the central bank, the digital currency wallet is similar to the concept of safe deposit box, and does not participate in the business of daily end-of-day sales, etc., the bank shall manage the safe deposit box according to the appointed authority with the client (for example, two keys of the client and the bank are necessary to open, etc. to make an appointment).
This has the advantage of continuing the currency issuing binary system, digital currency is in the category of M0, is the liability of the issuing bank, and is outside the balance sheet of the accounting bank. Since the account bank still manages the customers and accounts substantially, the business bank is not channelized or marginalized. Different from the conventional cash earmarked, the digital currency does not completely depend on bank accounts, and can be directly confirmed through a bank-issuing bank, and the digital currency wallet of a client side is utilized to realize point-to-point cash transaction. The right of digital currency is based on a bank-issuing bank, and the traditional account is combined with the digital currency, so that the ability of a bank to fully know the KYC (knock-out customer) and AML (Anti-Money Laundering) of Your customer can be greatly enhanced.
When digital money is managed, the money-sending row of the digital money may be the central row, or may be a money-sending mechanism authorized by the central row (for example, a port money issuing mode). The specific distribution method to be selected is determined according to actual conditions.
Under the environment that a central bank centrally and uniformly issues digital currencies, the digital currencies in the bank banks of the commercial banks belong to the assets of the commercial banks and the liabilities of the central bank; the digital currency in the customer account of the commercial bank then belongs to the assets of the customer, the liabilities of the central bank. The digital currency is transacted point to point among the customers, the transaction is confirmed and managed by the digital currency issuing system of the central bank, and the central bank undertakes the transaction responsibility; the electronic money transaction is finished through a central bank cross-bank payment system and a commercial bank core business system in accordance with the conventional process.
In the environment of determining digital currency by a central bank authorized issuing method, the digital currency in a bank of a commercial bank belongs to the assets of the commercial bank and the liabilities of a bank issuing bank; the digital currency in the customer account of the commercial bank then belongs to the customer's assets, the liabilities of the issuing bank (the issuing bank is not necessarily the account bank). The digital currency is transacted point to point among the customers, the transaction confirmation and management (who issues the management) are carried out by the legal digital currency bank-note issuing bank-note line, and the supervising responsibility is carried out by the central line; the electronic money transaction is finished through a central bank cross-bank payment system and a commercial bank core business system in accordance with the conventional process.
In digital currency wallet design, all digital currency wallets need to meet the regulations provided at the central row. The digital currency wallet of the bank end is light, only provides security control and necessary attributes related to an account layer, and focuses on management of digital currency; the wallet of the client provided by the application service provider is heavy, and the functions of the client extend to the presentation layer and the application layer.
The following description will take the progressive issuance of subsidies as an example to illustrate the benefits of introducing digital money wallet attributes into a commercial bank account system:
some department commissions to issue special subsidies in the form of digital currency and issues the subsidies to the enterprise or the individual acquiring the subsidies step by step. By means of the trackable characteristic of the digital currency, certain intelligent contract authority management is assisted, the committee can directly master the issuing condition of subsidies at all levels without relying on other business participants, the risk that subordinate organizations use the subsidies is avoided, and special payment is realized. However, if the attribute of the digital money wallet is not embedded in the commercial bank account system, all levels of institutions and all subsidy beneficiaries must open and use the digital money wallet, so that not only the selection of physical carriers of the digital money wallet needs to be considered, but also many participants are involved, and the central bank directly faces to the end user, and the popularization difficulty is high. And the digital currency wallet attribute is introduced based on a commercial bank account system, and the application part can be reconstructed and solved in the background of the commercial bank. For terminal users at all levels, the service can be completed by using the existing accounts and through the existing channels and the customary operation modes of bank counter, internet bank, mobile phone bank and the like.
By adding the digital currency wallet attribute in the commercial bank account system, the legal digital currency can be organically integrated into a central bank-commercial bank binary system to reuse the existing mature financial infrastructure, and more importantly, the problem of safety and stand of the digital currency in the commercial bank system is specially considered, so that the digital currency wallet can be independently separated and can be used in a layered mode. The bank-note issuing bank only needs to be responsible for the digital currency, the account bank undertakes actual business, the application developer realizes concrete implementation, each part plays a role, the boundary is clear, and if other means are used for assistance (such as collecting the keeping fee according to the condition, which is substantially equal to the negative interest rate), the possibility of narrow bank occurrence can be reduced.
The general architectural design of a digital currency wallet is described below:
the design of the digital currency wallet comprises processes of applying, binding, unbinding, paying, inquiring, converting the deposit into the digital currency, converting the digital currency into the deposit, canceling and the like of the digital currency wallet, and the constructed digital currency wallet system comprises an account bank system and a money-issuing line digital currency system. The bank-note dispensing digital currency system is not directly directed to the user. The account bank system comprises: the system comprises an account row user access system, an account row bank account access authentication system, an account row wallet access authentication system, an account row account core system and an account row digital currency system. The account bank user access system is directly oriented to the user, is used for providing front-end access of the user based on Web (World Wide Web) or APP (Application) or API (Application Programming Interface) based access of an Application service provider, and is also used for providing service functions of an account and a wallet; the users herein include individual users and business users. The account bank account core system is used for processing user bank account billing, transactions and the like. The account bank digital money system manages an account bank, a user wallet, and a CA (authentication Authority, e-commerce authentication Authority) for signing and issuing, and calls the bank-issuing line digital money system to complete the bottom functions of the final digital money, for example: application to a digital money wallet, logout, digital money transfer, etc.
The account bank system provides the user with two authentication channels to access the digital currency wallet: the first is to carry out authentication through an account bank account access authentication system; the authentication mode is a default and a main channel, the authentication mode is equivalent to that a user accesses a wallet function through an access authentication system for logging in a bank account, and is an access mode extended by the existing bank account access authentication system). The other is authentication through an account bank wallet access authentication system; this approach authenticates as if the wallet has a separate authentication portal, separating wallet functionality access from account functionality access, and providing a separate API interface by the digital currency wallet to provide support for user application services. In the subsequent management process of the digital money wallet, the operation accessed by the same digital money wallet can also have two different channels. The first way of authentication is used when the digital currency wallet applies for the application, and other ways can be adopted.
In the two modes, the user request processing paths are slightly different, and the user can access the account core system and the digital currency system through the authentication of the bank account access authentication system. Through the authentication of the wallet access authentication system, the user can only access the digital currency system, and can call the account core system for entering account when converting the digital currency into deposit.
And binding the bank account with the digital currency wallet by default through the digital currency wallet opened by the account bank account authentication mode. When the bank account is bound with the digital money wallet, the bank basic user or the class I bank account can be used for binding the digital money wallet. The specific implementation can be as follows: by depositing the wallet identity in a class I bank account, the associated account identity is also stored in the digital money wallet. After the bank account is bound with the wallet, the digital currency wallet can be accessed through authentication of the bank account access authentication system, but the account cannot be accessed through authentication of the wallet access authentication system. The exchange of the digital currency and the deposit in the digital currency wallet is carried out through a bound bank account.
The following describes the log-out process of the digital money wallet in the embodiment of the present invention:
fig. 1 is a schematic diagram of the main steps of a method of deregistering a digital money wallet according to an embodiment of the present invention. As shown in fig. 1, a method of deregistering a digital money wallet of an embodiment of the present invention includes:
s101: and the account bank user access system calls the account bank wallet access authentication system to authenticate the identity of the user according to the digital money wallet CA certificate, receives the digital money wallet logout request information with the digital signature of the user after the identity authentication is passed, and then sends the logout request information to the account bank digital money system. The logout request information includes user information, wallet information, and the like. The user information comprises user real name information such as name, which is used for confirming the wallet information, and the user information can be cancelled only if the user information is consistent with the wallet information, so that the user input error is prevented. The wallet information includes wallet owner information, wallet identification, and the like. The logout request information may be increased according to the need, such as a logout reason. When the digital currency wallet supports independent wallet access, the account bank wallet access authentication system can store user information, wallet information, and a digital currency wallet CA certificate and private key during the application process of the digital currency wallet.
S102: and the account bank digital currency system verifies the digital signature of the user, confirms that the digital currency wallet can be cancelled after the verification is passed, and then sends the cancellation registration request information with the digital signature of the account bank and the digital signature of the cancellation wallet to the money issuing bank digital currency system. Confirming that the digital money wallet can be revoked includes: judging whether the digital money wallet corresponding to the user is consistent with the digital money wallet appointed in the digital money wallet logout request information, judging whether digital money exists in the digital money wallet when the digital money wallet is consistent with the digital money wallet appointed in the digital money wallet logout request information, and if the digital money exists, converting the digital money into deposit; if no digital currency exists, sending the logout and registration request information to a currency-dispensing line digital currency system according to the data interface standard between the account line and the currency-dispensing line; when not consistent, the digital money wallet deregistration process is ended. The deregistration request message includes: a logged-out wallet identification and a logged-out wallet corresponding user identification.
S103: and the money-sending line digital currency system verifies the account line digital signature and the wallet canceling digital signature, performs cancellation and registration on the digital currency wallet appointed in the cancellation and registration request information after the verification is passed, and returns cancellation and registration success information with the money-sending line digital signature to the account line digital currency system. After the money-issuing digital currency system verifies that the account digital signature and the wallet canceling digital signature pass, the digital currency wallet designated in the wallet canceling registration request information can be checked out and registered after the digital currency wallet does not contain digital currency. The purpose of the independent verification of the bank note sending line digital currency system is to avoid the system from generating errors due to abnormality.
S104: and the account bank digital currency system logs out the digital currency wallet after receiving the log-out registration success information. The implementation procedure of the logout of the digital money wallet may be to set the state of the digital money wallet specified in the logout success information to be logged out.
In addition, the method of deregistering the digital money package of the embodiment of the present invention may further include, after S104:
s105: and the account line digital currency system sends the unbinding request information to an account line account core system. The unbinding request message includes a bank account identifier of the user and a cancelled wallet identifier.
S106: the account bank account core system unbinds bank accounts from digital currency purses. The unbinding may be accomplished by deleting the wallet identification from the bank account. And returning the information of successful unbinding to the account line digital currency system after unbinding.
In addition, the method of deregistering the digital money package of the embodiment of the present invention may further include, after S106:
s107: the account bank digital currency system sends a logout application wallet binding request message to the account bank wallet access authentication system. The deregistered application wallet binding request message includes a deregistered wallet identification.
S108: and after the account bank wallet access authentication system confirms that the digital money wallet specified by the logout and registration success information is bound with an application wallet, deleting the application wallet, an application wallet CA certificate and the associated information of the digital money wallet. The account bank wallet access authentication system judges whether the cancelled digital money wallet is bound with an application wallet (the application wallet provides digital money application services for enterprises and individuals by a non-bank main body and comprises various financial services, electronic commerce and other internet application scene services and the like), if so, the wallet binding is released, and the information of the unbinding result is returned to the account bank digital money system. The application wallet and the digital currency wallet establish an association relationship in the database, and the original association information is deleted in the database after the wallet binding is released, wherein the unbinding result information comprises the digital currency wallet which is unbound with the application wallet. The association relationship between the digital currency wallet and the application wallet comprises the following steps: the corresponding relation between the application wallet CA certificate and the digital currency wallet identification is the corresponding relation between the application wallet CA certificate, the application wallet identification and the digital currency wallet identification, or the application wallet identification and the digital currency wallet identification.
In addition, at S101, the account bank user access system according to the embodiment of the present invention invokes an account bank wallet access authentication system to authenticate the identity of the user according to the digital money wallet CA certificate, including:
the account row user access system sends an identity authentication request to an account row wallet access authentication system.
And the account line wallet access authentication system performs identity authentication on the user according to the digital currency wallet CA certificate and returns an identity authentication result to the account line user access system. The account bank wallet access authentication system authenticates the identity of the user according to the authentication mode of the existing bank account, such as a static password, a dynamic password, a digital certificate, a fingerprint and the like. After the identity authentication is passed, the user can access the digital currency wallet corresponding to the identity authentication.
In addition, the information among the account bank user access system, the account bank digital currency system, the account bank wallet access authentication system, the account bank account core system and the system of the bank note issuing line digital currency system is transmitted through a secure channel, namely all the information is encrypted and cannot be identified by the outside. And each system acquires the information from the secure channel, decrypts the information, and performs other processing after decryption.
Fig. 2 is a flow chart of a method of logging off a digital currency wallet according to an embodiment of the present invention. As shown in fig. 2, the method for canceling a digital money wallet according to the embodiment of the present invention is implemented based on an account bank system and a money-issuing digital money system, where the account bank system includes an account bank user access system, an account bank digital money system, an account bank wallet access authentication system, and an account bank account core system, and a user initiates a digital money wallet cancellation application through the account bank user access system, and the method specifically includes the following steps:
(1) and after receiving the account number and password information from the user, the account bank user access system sends an identity authentication request to the account bank wallet access authentication system.
(2) And the account bank wallet access authentication system performs identity authentication on the user according to the digital money wallet CA certificate and returns an identity authentication result to the account bank user access system. And (4) after the identity authentication is passed, the user can access the digital money wallet corresponding to the identity authentication, the step (3) is executed, and if the identity authentication is not passed, the digital money wallet logout process is ended. The identity authentication can only be passed if the digital currency wallet supports wallet independent access.
(3) The account bank user access system receives the digital currency wallet logout request information with the user digital signature and then sends the logout request information to the account bank digital currency system.
(4) The account bank digital currency system verifies the digital signature of the user, judges whether the digital currency wallet corresponding to the user is consistent with the digital currency wallet appointed in the digital currency wallet logout request information after the verification is passed, judges whether digital currency exists in the digital currency wallet when the digital currency wallet is consistent, and executes the step (5) after the digital currency is completely converted into deposit if the digital currency exists; if no digital currency exists, sending the deregistration registration request information to a bank-note-dispensing line digital currency system according to the data interface standard between the account line and the bank-note-dispensing line, and executing the step (5); when not consistent, the digital money wallet deregistration process is ended.
(5) And the money-sending line digital currency system verifies the account line digital signature and the wallet canceling digital signature, performs cancellation and registration on the digital currency wallet appointed in the cancellation and registration request information after the verification is passed, and returns cancellation and registration success information with the money-sending line digital signature to the account line digital currency system.
(6) And after receiving the information of successful logout and registration, the account bank digital money system logs out the digital money wallet and then sends information of unbinding request to the account bank account core system.
(7) And after receiving the unbinding request information, the account line account core system unbinds the bank account from the digital currency wallet and returns the information of successful unbinding to the account line digital currency system.
(8) The account bank digital currency system sends a deregistration application wallet binding request message to the account bank wallet access authentication system.
(9) The account bank wallet access authentication system judges whether the cancelled digital money wallet is bound with an application wallet, if so, deletes the association information of the application wallet, an application wallet CA certificate and the digital money wallet and returns unbinding result information to the account bank digital money system, and then step (10) is executed; if there is no binding, step (10) is performed directly.
(10) And the account row digital currency system returns logout success information to the account row user access system. The logout success information includes: a revoked wallet identity, revoked bank account binding information, revoked application wallet binding information.
(11) And the account bank user access system feeds back logout success information to the user.
As can be seen from the above description, the identity of the user is authenticated, the digital signature is verified, and the logout registration is performed by calling the account bank wallet access authentication system, so that the logout of the digital money wallet corresponding to the user is finally realized; in the logout process, the account bank logs out after confirming that no digital money exists in the digital money wallet, so that the loss of the user is avoided; unbinding the bank account, the application wallet and the digital money wallet after logout, and removing the connection between the bank account and the digital money wallet and the connection between the application wallet and the digital money wallet; in the logout process, the bank note issuing bank confirms that no digital money exists in the digital money wallet again and then carries out logout, and the bank note issuing bank carries out independent verification in the process so as to prevent errors caused by system abnormity; the user performs identity authentication through the account bank wallet access authentication system and unbinds the application wallet from the digital currency wallet, wallet function access and account function access are separated, and the digital currency wallet logout system can independently provide service support for the user without going through a bank account.
Fig. 3 is a main block diagram of a system for deregistering a digital money wallet according to an embodiment of the present invention. As shown in fig. 3, the system for deregistering a digital money wallet according to the embodiment of the present invention includes an account line user access system 301, an account line digital money system 302, a bank issuing line digital money system 303, and an account line wallet access authentication system 304, where:
and the account bank user access system 301 is used for calling the account bank wallet access authentication system 304 to authenticate the identity of the user according to the digital money wallet CA certificate, receiving digital money wallet logout request information with a digital signature of the user after the identity authentication is passed, and sending the request information to the account bank digital money system. The logout request information includes user information, wallet information, and the like.
And the account line digital currency system 302 is used for a user to digitally sign, confirm that the digital currency wallet can be cancelled after verification is passed, and then send a cancellation registration request message with the account line digital signature and the cancellation wallet digital signature to the money-issuing line digital currency system. Confirming that the digital money wallet can be revoked includes: judging whether the digital money wallet corresponding to the user is consistent with the digital money wallet appointed in the digital money wallet logout request information, judging whether digital money exists in the digital money wallet when the digital money wallet is consistent with the digital money wallet appointed in the digital money wallet logout request information, and if the digital money exists, converting the digital money into deposit; if no digital currency exists, sending the logout and registration request information to a currency-dispensing line digital currency system according to the data interface standard between the account line and the currency-dispensing line; when not consistent, the digital money wallet deregistration process is ended. The deregistration request message includes: a logged-out wallet identification and a logged-out wallet corresponding user identification.
And the money-sending line digital currency system 303 is used for verifying the account line digital signature and the wallet canceling digital signature, canceling and registering the digital currency wallet appointed in the canceling and registering request information after the account line digital currency system passes the verification, and returning the successful canceling and registering information with the money-sending line digital signature to the account line digital currency system.
The account bank digital money system 302 is further configured to log out the digital money wallet after receiving the log-out registration success message. The implementation procedure of the logout of the digital money wallet may be to set the state of the digital money wallet specified in the logout success information to be logged out.
As can be seen from the above description, the identity of the user is authenticated, the digital signature is verified, and the logout registration is performed by calling the account bank wallet access authentication system, so that the logout of the digital money wallet corresponding to the user is finally realized; in the logout process, the account bank logs out after confirming that no digital money exists in the digital money wallet, so that the loss of the user is avoided; unbinding the bank account, the application wallet and the digital money wallet after logout, and removing the connection between the bank account and the digital money wallet and the connection between the application wallet and the digital money wallet; in the logout process, the bank note issuing bank confirms that no digital money exists in the digital money wallet again and then carries out logout, and the bank note issuing bank carries out independent verification in the process so as to prevent errors caused by system abnormity; the user performs identity authentication through the account bank wallet access authentication system and unbinds the application wallet from the digital currency wallet, wallet function access and account function access are separated, and the digital currency wallet logout system can independently provide service support for the user without going through a bank account.
The product can execute the method provided by the embodiment of the invention, and has corresponding functional modules and beneficial effects of the execution method. For technical details that are not described in detail in this embodiment, reference may be made to the method provided by the embodiment of the present invention.
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 (17)
1. A method of deregistering a digital currency wallet, comprising the steps of:
the account bank user access system calls the account bank wallet access authentication system to perform identity authentication on the user according to the digital money wallet CA certificate, receives digital money wallet logout request information with a user digital signature after the identity authentication is passed, and then sends the request information to the account bank digital money system; the digital currency wallet is used for carrying digital currency, and the digital currency is legal currency which takes an encrypted digital string representing specific amount as a representation form;
the account bank digital currency system verifies the digital signature of the user, confirms that the digital currency wallet can be cancelled after the verification is passed, and then sends cancellation registration request information with the account bank digital signature and the cancellation wallet digital signature to the money issuing bank digital currency system;
the money-sending line digital currency system verifies the account line digital signature and the wallet canceling digital signature, performs cancellation registration on the digital currency wallet appointed in the cancellation registration request information after the verification is passed, and returns cancellation registration success information with the money-sending line digital signature to the account line digital currency system;
and the account bank digital currency system logs out the digital currency wallet after receiving the log-out registration success information.
2. The method of claim 1, wherein said step of confirming that said digital currency wallet can be revoked comprises: confirming that the digital money wallet corresponding to the user is consistent with the digital money wallet specified in the digital money wallet logout request information, and confirming that no digital money exists in the digital money wallet.
3. The method of claim 1 or 2, wherein after logging out the digital currency wallet after the account bank digital currency system receives the log-out success message, further comprising:
the account line digital currency system sends the unbinding request information to an account line account core system;
the account bank account core system unbinds bank accounts from digital currency purses.
4. The method of claim 1 or 2, wherein after the issuing bank digital currency system verifies the account number digital signature and the deregistration wallet digital signature passed, and before deregistering the digital currency wallet specified in the deregistration request message, further comprising: and after confirming that no digital money exists in the digital money wallet appointed in the deregistration request information, deregistering the digital money wallet.
5. The method of claim 1 or 2, wherein said logging out of the digital currency wallet comprises: the status of the digital money wallet specified in the deregistration registration success information is set to be deregistered.
6. The method of claim 3, wherein the account bank account core system unbinding the bank account from the digital currency wallet comprises: and deleting the wallet identification in the bank account.
7. The method of claim 1 or 2, wherein the account row user access system invokes an account row wallet access authentication system to authenticate the user according to a digital currency wallet (CA) certificate, comprising: the account row user access system sends an identity authentication request to the account row wallet access authentication system; and the account bank wallet access authentication system performs identity authentication on the user according to the digital money wallet CA certificate and feeds back an identity authentication result to the account bank user access system.
8. The method of claim 3, wherein after the account line digital currency system sends the unbind request message to the account line account core system, further comprising: the account bank digital currency system sends application wallet binding cancellation request information to an account bank wallet access authentication system; and after the account bank wallet access authentication system confirms that the digital money wallet specified by the logout and registration success information is bound with an application wallet, deleting the application wallet, an application wallet CA certificate and the associated information of the digital money wallet.
9. A system for deregistering a digital currency wallet, comprising: an account bank user access system, an account bank wallet access authentication system, an account bank digital currency system, and a bank note dispensing line digital currency system, wherein,
the account bank user access system is used for calling the account bank wallet access authentication system to authenticate the identity of the user according to the digital money wallet CA certificate, receiving digital money wallet logout request information with a user digital signature after the identity authentication is passed, and sending the request information to the account bank digital money system; the digital currency wallet is used for carrying digital currency, and the digital currency is legal currency which takes an encrypted digital string representing specific amount as a representation form;
the account bank digital currency system is used for verifying the digital signature of the user, confirming that the digital currency wallet can be cancelled after the verification is passed, and then sending the cancellation and registration request information with the digital signature of the account bank and the digital signature of the cancellation wallet to the bank-note-issuing bank digital currency system;
the bank note issuing line digital currency system is used for verifying the account line digital signature and the wallet canceling digital signature, canceling and registering the digital currency wallet appointed in the canceling and registering request information after the account line digital currency system passes the verification, and returning the successful canceling and registering information with the bank note issuing line digital signature to the account line digital currency system;
and the account line digital currency system is also used for logging out the digital currency wallet after receiving the information of successful logging out and registering.
10. The system of claim 9, wherein the account line digital currency system is further configured to: confirming that the digital money wallet corresponding to the user is consistent with the digital money wallet specified in the digital money wallet logout request information, and confirming that no digital money exists in the digital money wallet.
11. The system of claim 9 or 10, further comprising an account row account core system, the account row digital currency system further configured to send a unbind request message to the account row account core system; the account bank account core system is used for unbinding a bank account from a digital currency wallet.
12. The system of claim 9 or 10, wherein the bank note dispensing line digital currency system is further configured to: and after confirming that no digital money exists in the digital money wallet appointed in the deregistration request information, deregistering the digital money wallet.
13. The system of claim 9 or 10, wherein the account line digital currency system is further configured to: the status of the digital money wallet specified in the deregistration registration success information is set to be deregistered.
14. The system of claim 11, wherein the account row account core system is further configured to: and deleting the wallet identification in the bank account.
15. The system of claim 9 or 10, wherein the account row user access system is further configured to send an identity authentication request to an account row wallet access authentication system; the account bank wallet access authentication system is used for authenticating the identity of the user according to the CA certificate of the digital currency wallet and feeding back the identity authentication result to the account bank user access system.
16. The system of claim 11, wherein the account line digital currency system is further configured to send a logoff application wallet binding request message to an account line wallet access authentication system; and the account bank wallet access authentication system is used for deleting the association information of the application wallet, the application wallet CA certificate and the digital money wallet after confirming that the digital money wallet specified by the logout and registration success information is bound with the application wallet.
17. 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 8.
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| CN108038678A (en) * | 2017-12-28 | 2018-05-15 | 中国人民银行数字货币研究所 | The method and system that a kind of digital cash wallet is nullified |
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