CN109741070A - A kind of account management method and device based on net card - Google Patents
A kind of account management method and device based on net card Download PDFInfo
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- CN109741070A CN109741070A CN201811632612.7A CN201811632612A CN109741070A CN 109741070 A CN109741070 A CN 109741070A CN 201811632612 A CN201811632612 A CN 201811632612A CN 109741070 A CN109741070 A CN 109741070A
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Abstract
The embodiment of the present application discloses a kind of account management method and relevant apparatus based on net card.According to the M electronic account of user described in the net card real-name authentication of user, the net card includes the biological characteristic and identity code of the user, and for the identification of the user, M is the integer greater than 0；In the case where the M electronic account real-name authentication passes through, determine that the operation requests at least one electronic account in the M electronic account, the operation requests include the biological characteristic and identity code for requesting user；According to the net card and the biological characteristic and identity code of the request user, whether effective the operation requests are verified；In the case where confirming that the operation requests are invalid, forbid operating the corresponding electronic account of the operation requests.Method provided by the embodiments of the present application effectively avoids troublesome operation of the user between different electronic accounts, convenient for managing the electronic account information of user.
Description
Technical field
This application involves the technical field of account management in network more particularly to a kind of account management methods based on net card
And device.
Background technique
With the fast development of internet, abundant, diversification data management channel, and then information management row are expedited the emergence of out
Industry is grown rapidly, and the information data management of diversification is more aggravated；Wherein information data way to manage includes: capital management,
Personal information management, program development management, confidential information management etc..However the information data management of diversification, for user
Speech, not only cumbersome there is also managing risks, such as fund security risk.The way to manage of diversification and verifying by all kinds of means
Mode, especially only relies on to carry out after ID card No. real-name authentication and is modified to the content of the affiliated account of user, not only makes
At user information storage dispersion, there is also security risks.
By taking capital management as an example, due to the institutions managing funds in current market, payment mechanism diversification results in use
The fund storage dispersion at family and channel of disbursement are polynary；And the institutions managing funds of mainstream are generally for the collecting account of trade company
Account result in payment user and may not be available oneself desired payment account and trade such as Alipay or wechat,
And user switch between different accounts can also exist it is certain cumbersome.For user, both not cumbersome operations, have
Do not worry that businessman can not collect money.In addition to monetary assets, can also fixed assets for oneself and other assets etc. carry out one
A unified management facilitates oneself fund assessment and asset monitoring etc..
Therefore, how troublesome operation is avoided, the electronic account for effectively managing user is the application problem to be solved.
Summary of the invention
In view of the above problems, it proposes on the application overcomes the above problem or at least be partially solved in order to provide one kind
State a kind of account management method and device based on net card of problem.
In a first aspect, the embodiment of the present application provides a kind of account management method based on net card, comprising:
According to the M electronic account of user described in the net card real-name authentication of user, the net card includes the life of the user
Object feature and identity code, for the identification of the user, M is the integer greater than 0；
In the case where the M electronic account real-name authentication passes through, determine in the M electronic account at least one
The operation requests of a electronic account, the operation requests include the biological characteristic and identity code for requesting user；
According to the net card and the biological characteristic and identity code of the request user, verifying the operation requests is
It is no effective；
In the case where confirming that the operation requests are invalid, forbid grasping the corresponding electronic account of the operation requests
Make.
In one possible implementation, the M electronics account of the user is demonstrate,proved in the net identification according to the user
Before family, further includes:
N number of electronic account of the user is obtained, N is the integer greater than M；
Determine that net has been opened in N number of electronic account confirms the M electronic account of name authentication function.
In one possible implementation, the method also includes:
The operation note of the net card and the M electronic account of the user is stored using block chain technology.
In one possible implementation, the method also includes:
Using the operation note of the net card and the M electronic account of the user of storage, the M electronics account is assessed
The information security degree at family；
In the case where the information security degree of the M electronic account is low, the identification code of the net card is updated.
In one possible implementation, the operation requests include for any one in the M electronic account
Account information acquisition request, transfer operation request and the fund of a electronic account are transferred to one or more of request.
In one possible implementation, the operation requests include for any one in the M electronic account
The fund of a electronic account is transferred to request；The method also includes:
According to the auditing rule of Capital Flow, the corresponding funds source of request is transferred to the fund and is audited；
If auditing result be it is illegal, intercept the fund and be transferred to request.
In one possible implementation, described in the case where the M electronic account real-name authentication passes through, it determines
For the operation requests of at least one electronic account in the M electronic account, comprising:
Receive the transfer operation request of the user；
According to the frequency of use of the M electronic account or transferring accounts sequentially for the M electronic account is preset, determination is directed to
The transfer operation of one of electronic account in the M electronic account is requested.
By implementing the embodiment of the present application, demonstrate,proved based on legal effective user network, the electronic account (example under authentication username
Such as fund account)；When user to wherein any one fund account carry out fund be transferred to, produce or other operation when, pass through
The biological characteristic and identity code for the user for including in net card, the identity of verification operation executor and the legitimacy of operation,
The channel of a unified Fund Supervision is provided for the capital management of M fund account, the flow direction of fund has been monitored, has ensured money
The safety of gold.The diversification of capital management is also achieved while user-friendly.To sum up, provided by the embodiments of the present application
Based on the account management method of net card, the electronic account of user is effectively managed, has avoided cumbersome operation, and in asset management
Aspect has ensured the safe and efficient property of Capital Flow.
Second aspect, the embodiment of the present application provide a kind of account management device based on net card, comprising:
Authentication unit, for the M electronic account of user described in the net card real-name authentication according to user, M is whole greater than 0
Number, the net card include the biological characteristic and identity code of the user, the identification for the user；
Confirmation unit, in the case where the M electronic account real-name authentication passes through, determining for the M electricity
The operation requests of at least one electronic account in sub- account, the operation requests include that the biological characteristic of user and identity is requested to be known
Other code；
Verification unit, for the biological characteristic and identity code according to the net card and the request user, verification
The validity of the operation requests；
Limiting unit is forbidden in the case where confirming that the operation requests are invalid to the corresponding electronics of the operation requests
Account is operated.
In one possible implementation, described device further include:
Statistic unit, for being used to demonstrate,prove the M electricity of the user according to the net identification of the user in the authentication unit
Before sub- account, N number of electronic account of the user is obtained, N is the integer greater than M；It determines open-minded in N number of electronic account
Net confirms the M electronic account of name authentication function.
In one possible implementation, described device further include:
Storage unit, the operation of net card and the M electronic account for storing the user using block chain technology
Record.
In one possible implementation, described device further include:
Supervisory Unit, the operation note of net card and the M electronic account for the user using storage, assessment
The information security degree of the M electronic account；In the case where the information security degree of the M electronic account is low, update
The identification code of the net card.
In one possible implementation, the operation requests include for any one in the M electronic account
Account information acquisition request, transfer operation request and the fund of a electronic account are transferred to one or more of request.
In one possible implementation, the operation requests include for any one in the M electronic account
The fund of a electronic account is transferred to request；Described device further include:
Unit is audited, for the auditing rule according to Capital Flow, the corresponding funds source of request is transferred to the fund
It is audited；If auditing result be it is illegal, intercept the fund and be transferred to request.
In one possible implementation, described in the case where the M electronic account real-name authentication passes through, it determines
For the operation requests of at least one electronic account in the M electronic account, comprising:
Selecting unit, the transfer operation for receiving the user are requested；According to the frequency of use of the M electronic account
Or the sequence of transferring accounts of the M electronic account is preset, it determines for one of electronic account in the M electronic account
Transfer operation request.
The third aspect, the embodiment of the present application provide a kind of computer readable storage medium, which deposits
Program instruction is contained, for the program instruction when being run by processor, which executes method described in above-mentioned first aspect, this
Place repeats no more.
Fourth aspect, the embodiment of the present application provide a kind of account management equipment based on net card, including storage unit, logical
Believe that component and processing component, storage unit, communication component and processing component are connected with each other, wherein storage unit is for storing number
According to processing code, communication component is used to carry out information exchange with external equipment；Processing component is configured for caller code,
Method described in first aspect is executed, details are not described herein again.
5th aspect, the embodiment of the present application also provides a kind of computer program, which may include program
Instruction, when the computer program is computer-executed, executes computer including side described in above-mentioned first aspect
Method, details are not described herein again.
Detailed description of the invention
Technical solution in ord to more clearly illustrate embodiments of the present application or in background technique below will be implemented the application
Attached drawing needed in example or background technique is illustrated.
Fig. 1 is a kind of account management framework based on net card provided by the embodiments of the present application；
Fig. 2 is a kind of account management flow chart based on net card provided by the embodiments of the present application；
Fig. 3 is a kind of account management application scenarios based on net card provided by the embodiments of the present application；
Fig. 4 is a kind of account management schematic device based on net card provided by the embodiments of the present application；
Fig. 5 is a kind of account management equipment based on net card provided by the embodiments of the present application.
Specific embodiment
Below in conjunction with the attached drawing in the embodiment of the present application, technical solutions in the embodiments of the present application carries out clear, complete
Site preparation description.
Term " includes " in the description and claims of this application and the attached drawing and " having " and they appoint
What is deformed, it is intended that is covered and non-exclusive is included.Such as contain the process, method, system, production of a series of steps or units
Product or equipment are not limited to listed step or unit, but optionally further comprising the step of not listing or unit, or
Optionally further comprising the other step or units intrinsic for these process, methods, product or equipment.
Referenced herein " embodiment " is it is meant that a particular feature, structure, or characteristic described can wrap in conjunction with the embodiments
It is contained at least one embodiment of the application.Each position in the description occur the phrase might not each mean it is identical
Embodiment, nor the independent or alternative embodiment with other embodiments mutual exclusion.Those skilled in the art explicitly and
Implicitly understand, embodiment described herein can be combined with other embodiments.
The term " server " that uses in this application, " unit ", " system " etc. for indicate computer-related entity,
Hardware, firmware, the combination of hardware and software, software or software in execution.For example, server can be but not limited to, processing
Device, data processing platform (DPP) calculate equipment, computer, two or more computers etc..
Firstly, the part term in the application is explained, in order to those skilled in the art understand that.
(1) resident identification card function line voucher, referred to as net card, are by the first research institute, The Ministry of Public Security of the People's Republic of China, MOPS
The voucher of trusted identity authentication platform (CTID) certification publication, is that individual citizens identity is passed through the biotechnology of recognition of face
After means compare, in the electronic certificate generated on mobile phone, it to be used for user identity identification.Commonly for the two dimensional code with timestamp or
Bar code.
(2) biometrics identification technology, refer to by computer using the intrinsic physiological characteristic of human body (fingerprint, iris,
Face phase, DNA etc.) or the identification of behavioural characteristic (gait, keystroke habit etc.) Lai Jinhang personal identification technology；Biological characteristic includes
Physiological characteristic and behavioural characteristic.
(3) block chain is made of data Layer, network layer, common recognition layer, excitation layer, contract layer and application layer.Wherein, data
Layer encapsulates bottom data block and the basic datas such as relevant data encryption and timestamp and rudimentary algorithm；Network layer is then wrapped
Include distributed networking mechanism, data dissemination mechanism and data authentication mechanism etc.；Know together layer predominant package network node it is all kinds of total
Know algorithm；Economic factor is integrated into block chain technical system by excitation layer, main issuing mechanism including economic incentives and
Distribution mechanism etc.；All kinds of scripts of contract layer predominant package, algorithm and intelligent contract, are the bases of block chain programmable features；It answers
The various application scenarios and case of block chain are then encapsulated with layer.
Secondly, a kind of account management framework based on net card that the embodiment of the present application is based on is described.It please refers to
Fig. 1, Fig. 1 are a kind of schematic diagrames of account management framework based on net card provided by the embodiments of the present application, comprising: server and end
End.Wherein,
Server can be server group or server etc., for example, a kind of pass through quick obtaining, processing, analyze and mention
Valuable, magnanimity and enriched data are taken, based on interaction data, brings various convenient services to set for third party's use
It is standby.In the embodiment of the present application, server can be executing subject, execute method described in aforementioned first aspect, such as: according to
The M electronic account of user described in the net card real-name authentication at family, the net card include that the biological characteristic of the user and identity are known
Other code, for the identification of the user, M is the integer greater than 0；In the feelings that the M electronic account real-name authentication passes through
Under condition, determine that the operation requests at least one electronic account in the M electronic account, the operation requests include request
The biological characteristic and identity code of user；According to the biological characteristic and identification of the net card and the request user
Whether effective code, verify the operation requests；In the case where confirming that the operation requests are invalid, forbid to the operation requests
Corresponding electronic account is operated.
Terminal, can be in computer network be in network outermost equipment, can be used for information input and
The output etc. of processing result.It is referred to as system, subscriber unit, subscriber station, movement station, mobile station, remote station, long-range end
The service at end, mobile device, user terminal, mobile terminal, wireless telecom equipment, user agent, user apparatus, mountable plug-in unit
Equipment or user equipment (user equipment, UE).For example, terminal can be cellular phone, mobile phone, wireless phone,
Smartwatch, wearable device (wearable device), tablet device, session initiation protocol (session initiation
Protocol, SIP) phone, wireless local loop (wireless local loop, WLL) stand, personal digital assistant
(personal digital assistant, PDA), the handheld device for having wireless communication function calculate equipment, vehicle-carrying communication
Module, intelligent electric meter or the other processing equipments for being connected to radio modem.In the embodiment of the present application, terminal is operation electricity
The related application of sub- fund account or the equipment of webpage, user can be by terminals (it can be understood that based in terminal
Related application, client or webpage etc.) the electronic funds account that uses oneself, fund is carried out the operation such as to handle.In figure eventually
End includes multiple individual terminals, such as terminal A, terminal B, terminal C, and multiple users of representative server management are corresponding more
A terminal, wherein each terminal can pass through client or the multiple electronic funds accounts of application management.The embodiment of the present application pair
Quantity, the type for the electronic funds account that user possesses are not construed as limiting；Each user possesses unique net card, is confirmed based on net
Name authenticates the electronic account of the user.
It is understood that content shown in FIG. 1 is the illustrative embodiment of one of the embodiment of the present application.This
System architecture in application embodiment may include but be not limited only to system above framework.
It is right below with reference to the embodiment of above system framework and the account management method provided herein based on net card
The technical issues of proposing in the application is made a concrete analysis of and is solved.
It is a kind of schematic diagram of account management process based on net card provided by the embodiments of the present application with reference to Fig. 2, Fig. 2, it can
Applied to the system architecture in above-mentioned Fig. 1, it is described below in conjunction with Fig. 2 from the unilateral side of server.This method may include
Step S203- step S207.It optionally, can also include step S201, step S202 and step S207.
Step S201: N number of electronic account of the user is obtained.
Specifically, server uploads the data of electronic account by user, obtains the information of N number of electronic account；The application
Embodiment is not construed as limiting the mode for obtaining the N number of electronic account of user.N is the integer greater than M.For example, some user have it is multiple
Electronic account obtains the information for multiple electronic accounts that the user possesses.By taking electronic account is fund account as an example, institute is obtained
The fund account information for stating user, the institutional affiliation information including fund account, the personal information etc. of the owner of fund account.
Step S202: determine that net has been opened in N number of electronic account confirms the M electronics account of name authentication function
Family.
Specifically, it is determined that can open or realize that net confirms M electricity of name authentication function in N number of electronic account of user
Sub- account.For example, statistics can open correspondence based on the fund account of net card validation of payment in the application scenarios of fund account
Payment channel.
Step S203: according to the M electronic account of user described in the net card real-name authentication of user.
Specifically, believed according to the user of the user information of net card M electronic account of authentification of message of user and the net card
Breath is consistent.Wherein, the net card of user is by the first research institute, The Ministry of Public Security of the People's Republic of China, MOPS trusted identity authentication platform
(CTID) voucher of certification publication, be by individual citizens identity, after being compared by the biotechnological method of recognition of face, Yu Shouji
The electronic certificate of upper generation is used for user identity identification.It is commonly two dimensional code or bar code with timestamp.The net card packet
The biological characteristic and identity code for including the user, for the identification of the user, M is the integer greater than 0.
In one possible implementation, the user net card real-name authentication the M electronic account with it is described
The third party tube platform docking of the net card real-name authentication of user, realizes the third party tube platform to the M electronics account
The unified management at family.By taking fund account as an example, the fund account of real-name authentication can be tied up in online shopping platform (such as Jingdone district, Taobao)
It is fixed；It is directly traded by binding the fund account of platform in the case where consumption and payment.
Step S204: it in the case where the M electronic account real-name authentication passes through, determines and is directed to the M electronics account
The operation requests of at least one electronic account in family.
Specifically, at least one electronic account in M electronic account of real-name authentication is selected, information operation is carried out；Than
Such as, the fund account of real-name authentication after the validity for demonstrating delivery operation, will be used in the case where user has payment demand
The fund at family is produced according to the particular content that delivery operation is requested.The operation requests include the biological characteristic and body for requesting user
Part identification code.
In one possible implementation, the operation requests include for any one in the M electronic account
Account information acquisition request, transfer operation request and the fund of a electronic account are transferred to one or more of request.
In one possible implementation, the operation requests include for any one in the M electronic account
The fund of a electronic account is transferred to request；The method also includes: according to the auditing rule of Capital Flow, the fund is transferred to
Corresponding funds source is requested to be audited；If auditing result be it is illegal, intercept the fund and be transferred to request.For example, passing through
The auditing rule of preset Capital Flow to funds source, be transferred to mode etc. and audit, effectively the circulation of fund is carried out
Monitoring, has ensured the safety of account and the legitimacy of transaction.
In one possible implementation, described in the case where the M electronic account real-name authentication passes through, it determines
For the operation requests of at least one electronic account in the M electronic account, comprising: the transfer operation for receiving the user is asked
It asks；According to the frequency of use of the M electronic account or transferring accounts sequentially for the M electronic account is preset, determines and is directed to the M
The transfer operation of one of electronic account in a electronic account is requested.For example, user selects some fund in shopping
Account is paid the bill, for multiple fund accounts of user, in conjunction with preset payment priority or alternative fund account
Frequency of use selects the account of liquidation expenses are to be paid,as a matter of priority, then carries out subsequent payment verification and delivery operation.
Step S205: demonstrate,proving according to the net and the biological characteristic and identity code of the request user, described in verification
Whether operation requests are effective.
Specifically, the certification page for entering net card is identified according to identity code, judges that the biology of the request user is special
Whether sign matches the biological characteristic that the net card saves, identification code without mistake and match the user biological characteristic it
Afterwards, it verifies that the operation requests are effective, carries out the change of account content.By taking fund account as an example, in payment, verifying issues branch
The biological characteristic of net the card identification code and operator of the request operator of operation requests is paid, is verified after such as scanning net card identification code
Fingerprint or sound of user etc..
Step S206: in the case where confirming that the operation requests are invalid, forbid to the corresponding electronics of the operation requests
Account is operated.
Specifically, invalid situation is requested in confirmation operation, quiescing request operates target electronic account；Example
Such as: in the scene of Capital Flow, when user generates fund unlawful practice, based on net card information to corresponding assets account
Family is freezed, or is cleared to corresponding assets.
Step S207: the operation note of the net card and the M electronic account of the user is stored using block chain technology.
Specifically, the net of the user is demonstrate,proved into relevant information, one or more letter such as information of the M electronic account
Breath is uploaded to block chain network.Wherein, the information of the M electronic account includes the information alteration of M electronic account
Or change record, by taking the operation note of fund account as an example, as the fund of fund account is transferred to or produces record.
In one possible implementation, the method also includes: using storage the user net card and the M
The information security degree of the M electronic account is assessed in the operation note of a electronic account；In the letter of the M electronic account
In the case that breath safe coefficient is low, the identification code of the net card is updated.For example, in the case that electronic account is fund account,
The circulation amount of money, number and the time that can clearly learn fund in account judge account in the case where unknown transaction occurs
In certain risk；When account is there are in the case where risk, certain prompting can be made to user.It is understood that
It is that, in the low situation in account safety Chengdu, the identification code of net card can be updated or re-type the associated biomolecule feature of user
Or other additional identification informations, prevent account from being usurped by third party.
By implementing the embodiment of the present application, demonstrate,proved based on legal effective user network, the electronic account (example under authentication username
Such as fund account)；User is transferred to the fund of fund account, produces or carries out other operations and requires verification operation executor
Identity and operation legitimacy；The canal of a unified Fund Supervision is provided simultaneously for the capital management of M fund account
Road, had both ensured the safety of fund, and the flow direction of monitoring fund, but it is user-friendly while do not influence the more of capital management
Memberization.Based on the account management method of net card, troublesome operation is avoided, the electronic account of user is effectively managed, in asset management side
Face ensures the safe and efficient of Capital Flow.
The embodiment of the present application in order to facilitate understanding, following exemplary enumerate the account management method based on net card in the application
Applied scene refers to Fig. 3, and Fig. 3 is a kind of account management application scenarios based on net card provided by the embodiments of the present application,
May include following scene:
Firstly, the channel of disbursement of existing fund account is counted, and open corresponding payment channel；Secondly, all
The user of fund account must confirm name by net, and establish binding relationship with net card；It then, can be with when user pays
The corresponding means of payment payment of fund account is selected, also can choose and paid by netting card；When user selects channel of disbursement
When the means of payment of itself, it is necessary first to which whether verification net card information binds, allow net card to carry out if binding selects a school to test
Legal payment needs for payment information to be recorded in after paying successfully in net card；It is same first when user selects net card direct payment
First verify whether net card pays legal payment, if supporting to select has adjusted the corresponding fund account information of the user to withhold；In user
The sequence of withholing of one account default can be set when demonstrate,proving for the first time using net, it can be according to corresponding account order successively in payment
It withholds, payment flowing water information is recorded in net card down after paying successfully.
In institutions managing funds, payment mechanism, bank etc. when receiving user and being transferred to assets, it is necessary to remember fund flowing water
It records in net card, otherwise will be regarded as invalid assets when user is using this assets, and user can consolidate other of fund
Determine the other assetss such as assets to be recorded in net card；When user generates fund unlawful practice, it can carry out net card at once
The freezing of assets limits the flowing of its assets, or directly clears its assets；When user needs to show assets in certain scenes
When proof, then it can directly show net card information and carry out barcode scanning, without carrying out assets proof and stream to each asset management mechanism
Water printing.Wherein, the process for using of ordinary user and asset management mechanism is as follows: 1) all to show with assets associated mechanisms needs
Some user's assets are cleared, by the asset inventory currently existed into net card；2) there are the companies of payment channel to need
It opens foreign payment channel and facilitates net card calling in same payment, and record flowing water information is demonstrate,proved to net in one's own side's payment
In；3) all mechanisms relevant to assets need for the fund flowing water of user to be recorded after receiving user information in net card,
Facilitate net card record and analysis funds flow.
It is understood that user for the first time in use, or get all Asset Lists of user, user's confirmation is awarded
Payment channel is opened after power, the payment sequence for needing user setting to default；Once user's bonding network card and oneself M account it
Afterwards, the net of oneself can be demonstrate,proved and is tied to any third-party platform, user is facilitated to use in third-party platform.
It can be understood that the illustrative embodiment in only the embodiment of the present application of above-mentioned application scenarios, the application
Application scenarios in embodiment include but are not limited to use above scene.
It is above-mentioned to illustrate a kind of embodiment of the method for the embodiment of the present application, side in the embodiment of the present application is provided below
The corresponding relevant apparatus of method.
Referring to FIG. 3, Fig. 3 is a kind of structural representation of account management device based on net card provided by the embodiments of the present application
Figure.It is described based on net card account management device 30, may include: authentication unit 301, confirmation unit 302, verification unit 303,
Limiting unit 304, statistic unit 305, storage unit 306, Supervisory Unit 307, audit unit 308 and selecting unit 309, it is optional
Unit may include statistic unit 305, storage unit 306, Supervisory Unit 307, audit unit 308 and selecting unit 309.
Authentication unit 301, for the M electronic account of user described in the net card real-name authentication according to user, M is greater than 0
Integer, it is described net card include the user biological characteristic and identity code, the identification for the user；
Confirmation unit 302, for determining for the M in the case where the M electronic account real-name authentication passes through
The operation requests of at least one electronic account in electronic account, the operation requests include the biological characteristic and identity for requesting user
Identification code；
Verification unit 303, for the biological characteristic and identity code according to the net card and the request user, school
Test the validity of the operation requests；
Limiting unit 304 is forbidden in the case where confirming that the operation requests are invalid to the corresponding electricity of the operation requests
Sub- account is operated.
In one possible implementation, described device further include:
Statistic unit 305, for being used to demonstrate,prove M of the user according to the net identification of the user in the authentication unit
Before electronic account, N number of electronic account of the user is obtained, N is the integer greater than M；It determines and is opened in N number of electronic account
The M electronic account of net confirmation name authentication function is led to.
In one possible implementation, described device further include:
Storage unit 306, the behaviour of net card and the M electronic account for storing the user using block chain technology
It notes down.
In one possible implementation, described device further include:
Supervisory Unit 307, the operation note of net card and the M electronic account for the user using storage,
Assess the information security degree of the M electronic account；In the case where the information security degree of the M electronic account is low,
Update the identification code of the net card.
In one possible implementation, the operation requests include for any one in the M electronic account
Account information acquisition request, transfer operation request and the fund of a electronic account are transferred to one or more of request.
In one possible implementation, the operation requests include for any one in the M electronic account
The fund of a electronic account is transferred to request；Described device further include:
Unit 308 is audited, for the auditing rule according to Capital Flow, the corresponding fund of request is transferred to the fund and is come
It is audited in source；If auditing result be it is illegal, intercept the fund and be transferred to request.
In one possible implementation, described in the case where the M electronic account real-name authentication passes through, it determines
For the operation requests of at least one electronic account in the M electronic account, comprising:
Selecting unit 309, the transfer operation for receiving the user are requested；According to the use of the M electronic account
Frequency or the sequence of transferring accounts for presetting the M electronic account, determine for one of electronics account in the M electronic account
The transfer operation at family is requested.
It should be noted that each function list of the account management device 30 based on net card described in the embodiment of the present application
The function of member, reference can be made to the associated description of the account management method based on net card in embodiment of the method described in above-mentioned Fig. 2, herein
It repeats no more.When each unit execution sequence changes, and does not influence the novelty and novelty of the application, the application uploads log
The execution sequence of device each unit is without limitation.
The embodiment of the present application provides a kind of account management equipment 40 based on net card, refers to Fig. 4, Fig. 4 is the application
The structural schematic diagram for a kind of account management equipment based on net card that embodiment provides, as shown in figure 4, the account pipe based on net card
Reason equipment 40 can realize that the account management equipment 40 based on net card may include at least one storage with the structure in Fig. 4
Component 401, at least one communication component 402, at least one processing component 403.In addition, the equipment can also include antenna, electricity
The universal components such as source, this will not be detailed here.
Storage unit 401, can be read-only memory (read-only memory, ROM) or can store static information and
The other kinds of static storage device of instruction, random access memory (random access memory, RAM) or can deposit
The other kinds of dynamic memory for storing up information and instruction, is also possible to Electrically Erasable Programmable Read-Only Memory
(Electrically Erasable Programmable Read-Only Memory, EEPROM), CD-ROM (Compact
Disc Read-Only Memory, CD-ROM) or other optical disc storages, optical disc storage (may include compression optical disc, laser disc,
Optical disc, Digital Versatile Disc, Blu-ray Disc etc.), magnetic disk storage medium or other magnetic storage apparatus or can be used in carrying
Storage have instruction or data structure form desired program code and can by any other medium of computer access,
But not limited to this.Memory, which can be, to be individually present, and is connected by bus with processor.Memory can also be with processor collection
At together.
Communication component 402, can be for other equipment or communication, such as upgrade server, cipher key service
Device, equipment of vehicle-mounted inside etc..
Processing component 403 can be general central processor (CPU), microprocessor, application-specific integrated circuit
(application-specific integrated circuit, ASIC), or it is one or more for controlling above scheme journey
The integrated circuit that sequence executes.
Processing component 403 is for calling the instruction stored in storage unit 401 to perform the following operations:
According to the M electronic account of user described in the net card real-name authentication of user, the net card includes the life of the user
Object feature and identity code, for the identification of the user, M is the integer greater than 0；It is real in the M electronic account
In the case that name certification passes through, the operation requests at least one electronic account in the M electronic account, the behaviour are determined
Make the biological characteristic and identity code that request includes request user；Biology according to the net card and the request user is special
It seeks peace identity code, whether effective verifies the operation requests；In the case where confirming that the operation requests are invalid, forbid pair
The corresponding electronic account of the operation requests is operated.
The embodiment of the present application also provides a kind of computer storage mediums, wherein the computer storage medium can be stored with
Program, the program may include some or all of any one recorded in above method embodiment step when executing.Wherein,
And computer storage medium above-mentioned can include: USB flash disk, mobile hard disk, magnetic disk, CD, read-only memory (Read-Only
Memory, abbreviation: ROM) or random access memory (Random Access Memory, abbreviation: RAM) etc. is various to deposit
Store up the medium of program code.
The embodiment of the present application also provides a kind of computer program, which may include instruction, when the calculating
When machine program is computer-executed, computer is allowed to execute the portion of any one including recording in above method embodiment
Point or Overall Steps.
In this application, the unit as illustrated by the separation member may or may not be physically separate
, component shown as a unit may or may not be physical unit, it can and it is in one place, or can also
To be distributed over a plurality of network elements.Some or all of unit therein can be selected to realize this Shen according to the actual needs
Please example scheme purpose.
In addition, each functional unit in each embodiment of the application, which can integrate, is also possible to each group in a component
Part physically exists alone, and is also possible to two or more components and is integrated in a component.Above-mentioned integrated component both may be used
To use formal implementation of hardware, can also realize in the form of software functional units.
If the integrated component is realized in the form of SFU software functional unit and sells or use as independent product
When, it can store in a computer readable storage medium.Based on this understanding, the technical solution of the application is substantially
The all or part of the part that contributes to existing technology or the technical solution can be in the form of software products in other words
It embodies, which is stored in a storage medium, including some instructions are used so that a computer
Equipment (can be personal computer, server or the network equipment etc.) executes the complete of each the embodiment of the present application the method
Portion or part steps.And storage medium above-mentioned includes: USB flash disk, mobile hard disk, read-only memory (ROM, Read-Only
Memory), random access memory (RAM, Random Access Memory), magnetic or disk etc. are various can store journey
The medium of sequence code.
The above, the only specific embodiment of the application, but the protection scope of the application is not limited thereto, it is any
Those familiar with the art within the technical scope of the present application, can readily occur in various equivalent modifications or replace
It changes, these modifications or substitutions should all cover within the scope of protection of this application.Therefore, the protection scope of the application should be with right
It is required that protection scope subject to.
It should be understood that magnitude of the sequence numbers of the above procedures are not meant to execute suitable in the various embodiments of the application
Sequence it is successive, the execution of each process sequence should be determined by its function and internal logic, the implementation without coping with the embodiment of the present application
Process constitutes any restriction.Although the application is described in conjunction with each embodiment herein, however, being protected required by embodiment
During the application of shield, those skilled in the art are appreciated that and realize other variations of open embodiment.
Claims (10)
1. a kind of account management method based on net card characterized by comprising
According to the M electronic account of user described in the net card real-name authentication of user, the net card includes that the biology of the user is special
It seeks peace identity code, for the identification of the user, M is the integer greater than 0；
In the case where the M electronic account real-name authentication passes through, determine at least one electricity in the M electronic account
The operation requests of sub- account, the operation requests include the biological characteristic and identity code for requesting user；
According to the net card and the biological characteristic and identity code of the request user, verify whether the operation requests have
Effect；
In the case where confirming that the operation requests are invalid, forbid operating the corresponding electronic account of the operation requests.
2. the method according to claim 1, wherein described demonstrate,prove the user's according to the net identification of the user
Before M electronic account, further includes:
N number of electronic account of the user is obtained, N is the integer greater than M；
Determine that net has been opened in N number of electronic account confirms the M electronic account of name authentication function.
3. the method according to claim 1, wherein the method also includes:
The operation note of the net card and the M electronic account of the user is stored using block chain technology.
4. according to the method described in claim 3, it is characterized in that, the method also includes:
Using the operation note of the net card and the M electronic account of the user of storage, the M electronic account is assessed
Information security degree；
In the case where the information security degree of the M electronic account is low, the identification code of the net card is updated.
5. the method according to claim 1, wherein the operation requests include being directed to the M electronic account
In any one electronic account account information acquisition request, transfer operation request and fund be transferred to request in one or more
It is a.
6. the method according to claim 1, wherein the operation requests include being directed to the M electronic account
In the fund of any one electronic account be transferred to request；The method also includes:
According to the auditing rule of Capital Flow, the corresponding funds source of request is transferred to the fund and is audited；
If auditing result be it is illegal, intercept the fund and be transferred to request.
7. method described in -6 according to claim 1, which is characterized in that described to pass through in the M electronic account real-name authentication
In the case where, determine the operation requests at least one electronic account in the M electronic account, comprising:
Receive the transfer operation request of the user；
According to the frequency of use of the M electronic account or transferring accounts sequentially for the M electronic account is preset, is determined for described
The transfer operation of one of electronic account in M electronic account is requested.
8. a kind of account management device based on net card characterized by comprising
Authentication unit, for the M electronic account of user described in the net card real-name authentication according to user, M is the integer greater than 0,
The net card includes the biological characteristic and identity code of the user, the identification for the user；
Confirmation unit, for determining and being directed to the M electronics account in the case where the M electronic account real-name authentication passes through
The operation requests of at least one electronic account in family, the operation requests include requesting biological characteristic and the identification of user
Code；
Verification unit, for the biological characteristic and identity code according to the net card and the request user, described in verification
The validity of operation requests；
Limiting unit, for forbidding to the corresponding electronics of the operation requests in the case where confirming that the operation requests are invalid
Account is operated.
9. a kind of account management equipment, which is characterized in that including storage unit, communication component and processing component, storage unit leads to
Believe that component and processing component are connected with each other, wherein storage unit handles code for storing data, and communication component is used for and outside
Equipment carries out information exchange；Processing component is configured for caller code, executes the claims 1-7 any one institute
The method stated.
10. a kind of computer storage medium, which is characterized in that the computer storage medium is stored with computer program, the meter
Method described in the claims 1-7 any one is realized when calculation machine program is executed by processor.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201811632612.7A CN109741070B (en) | 2018-12-28 | 2018-12-28 | Account management method and device based on network certificate |
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|---|---|---|---|
| CN201811632612.7A CN109741070B (en) | 2018-12-28 | 2018-12-28 | Account management method and device based on network certificate |
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