CN107392579A - Digital cash binds method and system using the solution of wallet and bank's wallet - Google Patents
Digital cash binds method and system using the solution of wallet and bank's wallet Download PDFInfo
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- CN107392579A CN107392579A CN201710493157.6A CN201710493157A CN107392579A CN 107392579 A CN107392579 A CN 107392579A CN 201710493157 A CN201710493157 A CN 201710493157A CN 107392579 A CN107392579 A CN 107392579A
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- digital cash
- service provider
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- 238000000034 method Methods 0.000 title claims abstract description 30
- BQCADISMDOOEFD-UHFFFAOYSA-N Silver Chemical compound [Ag] BQCADISMDOOEFD-UHFFFAOYSA-N 0.000 claims description 10
- 229910052709 silver Inorganic materials 0.000 claims description 10
- 239000004332 silver Substances 0.000 claims description 10
- 238000005516 engineering process Methods 0.000 abstract description 4
- 238000010586 diagram Methods 0.000 description 6
- 230000000694 effects Effects 0.000 description 5
- 238000004891 communication Methods 0.000 description 4
- 230000006870 function Effects 0.000 description 4
- 238000013461 design Methods 0.000 description 3
- 238000012986 modification Methods 0.000 description 3
- 230000004048 modification Effects 0.000 description 3
- 230000009286 beneficial effect Effects 0.000 description 1
- 229910002056 binary alloy Inorganic materials 0.000 description 1
- 238000012790 confirmation Methods 0.000 description 1
- 230000002265 prevention Effects 0.000 description 1
- 230000008569 process Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 239000013589 supplement Substances 0.000 description 1
Classifications
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
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- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Method and system is bound using the solution of wallet and bank's wallet the embodiment of the invention discloses a kind of digital cash, is related to field of computer technology.Wherein, the method in the embodiment of the present invention includes：After the wallet solution bind request that user submits is received, bank account access registrar entry request is sent to the user；The bank account access registrar key element that user submits is received, and authentication is carried out to the user according to the bank account access registrar key element；In authenticating user identification in the case of, the digital cash application wallet of the user and the binding relationship of bank's wallet are released.By above step, while digital cash wallet function is effectively expanded by bank account system, easily and safely to realize the solution binding function of digital cash application wallet and digital currency bank wallet.
Description
Technical field
The present invention relates to the solution using wallet and bank's wallet of field of computer technology, more particularly to a kind of digital cash
Binding method and system.
Background technology
Can digital cash play its effect, and technology path, risk prevention system means and safety precautions are no doubt bases,
But application is crucial.Legal digital cash only received by the public and market, handy just has vitality, could really realize
To the supplement of conventional currency.
Although pure digi-tal money-system can not associate with bank account, because the note issuance in China follows " center
The binary system of bank-business bank ", and current socio-economic activity is based primarily upon business bank's system of account and carried out,
If the existing ripe IT infrastructure of bank and application service can be made full use of by bank account system, then will
The popularization threshold of digital cash can be substantially reduced, improves property easy to use and the flexibility of digital cash.
Digital cash is managed by system of account, most flat-footed method is to extend connecing for Central Bank's balance sheet
Enter scope.In fact, Central Bank's right of recourse that business bank and some other financial institutions hold in the form of Central Bank deposits is
It is digitized into.But this is likely to trigger deposit to be transferred to Central Bank from business bank, causes whole banking system constriction, into
For " narrow sense bank ".
How digital cash to be managed by existing bank account system, to protect business bank to greatest extent
Existing system investments, the possibility that " narrow sense bank " occurs is reduced, there is no effective solution at present.
In view of this, the present inventor proposes " introduces digital cash money under business bank's traditional account system
The design concept of bag ", and the miscellaneous service implementation process relevant with digital cash wallet and system frame are proposed on this basis
Frame.
The content of the invention
The embodiment of the present invention propose a kind of digital cash using the solution of wallet and bank's wallet bind method and system,
While digital cash wallet function is effectively expanded by bank account system, easily and safely to realize digital cash
Using wallet and the solution binding function of digital currency bank wallet.
To achieve the above object, one side according to embodiments of the present invention, there is provided a kind of digital cash applies money
The solution binding method of bag and bank's wallet.
The solution binding method using wallet and bank's wallet of the digital cash of the embodiment of the present invention includes：Receiving user
After the wallet solution bind request of submission, bank account access registrar entry request is sent to the user；User is received to submit
Bank account access registrar key element, and according to the bank account access registrar key element to the user carry out authentication；
In authenticating user identification in the case of, the binding for releasing the digital cash application wallet and bank's wallet of the user is closed
System；Wherein, bank's wallet is the digital cash wallet bound with the bank account of certification.
Alternatively, release the user digital cash application wallet and bank's wallet binding relationship the step of include：
The binding relationship of the digital cash application wallet of the user and bank's wallet is deleted or the binding relationship is labeled as nothing
Effect state.
Alternatively, the digital cash application wallet of the user and the binding relationship of bank's wallet include：Using wallet
Corresponding relation between information and the information of bank's wallet.
Alternatively, before the step of sending bank account access registrar entry request to the user, methods described is also wrapped
Include：Confirmed according to the wallet solution bind request correct using the identity of wallet service provider.
Alternatively, included in the wallet solution bind request using wallet service provider authentication information and application wallet service provider
Digital signature；Confirmed according to the wallet solution bind request using the correct step of the identity of wallet service provider, including：Confirm institute
State correct using wallet service provider authentication information and application wallet service provider digital signature.
Alternatively, release the user digital cash application wallet and bank's wallet binding relationship the step of include：
Search being sent using wallet and the binding relationship of bank's wallet, then by the binding relationship to the user for the user；Root
The wallet solution binding acknowledgement message submitted according to the user is to the digital cash application wallet of the user and tying up for bank's wallet
Determine relation to be released.
To achieve the above object, another aspect according to embodiments of the present invention, there is provided a kind of digital cash applies money
The solution binding system of bag and bank's wallet.
The solution binding system using wallet and bank's wallet of the digital cash of the embodiment of the present invention includes：User accesses mould
Block, for after the wallet solution bind request that user submits is received, bank account access registrar entrance to be sent to the user
Request；Bank account access registrar module, for receiving the bank account access registrar key element of user's submission, and according to the silver
Row account access elements of certificate carries out authentication to the user；It is also, described in authenticating user identification in the case of
Bank account access registrar module is additionally operable to：The binding for releasing the digital cash application wallet and bank's wallet of the user is closed
System；Wherein, bank's wallet is the digital cash wallet bound with the bank account of certification.
Alternatively, the bank account access registrar module releases the digital cash application wallet and bank's money of the user
The binding relationship of bag, including：The bank account access registrar module is by the digital cash application wallet of the user and bank
The binding relationship of wallet is deleted or the binding relationship is labeled as into disarmed state.
Alternatively, the digital cash application wallet of the user and the binding relationship of bank's wallet include：Using wallet
Corresponding relation between information and the information of bank's wallet.
Alternatively, the system also includes：Service provider's authentication module；In user's access modules bank is sent to the user
Before account access certification entry request, service provider's authentication module is used for, and being confirmed according to the wallet solution bind request should
Identity with wallet service provider is correct.
Alternatively, included in the wallet solution bind request using wallet service provider authentication information and application wallet service provider
Digital signature；Service provider's authentication module is applying the identity of wallet service provider just according to wallet solution bind request confirmation
Really, including：Service provider's authentication module confirms application wallet service provider's authentication information and application wallet the service provider numeral
Signature is correct.
Alternatively, the bank account access registrar module releases the digital cash application wallet and bank's money of the user
The binding relationship of bag, including：The bank account access registrar module search the user using wallet and bank's wallet
Binding relationship, then the binding relationship is sent to the user by user's access modules；The bank account accesses
Digital cash application wallet and silver of the authentication module according to the wallet solution binding acknowledgement message that the user submits to the user
The binding relationship of row wallet is released.
To achieve the above object, a kind of another further aspect according to embodiments of the present invention, there is provided computer-readable storage medium
Matter.
Computer instruction is stored with the computer-readable recording medium of the embodiment of the present invention, the computer instruction can
Run by computer or computer system, so that the computer or computer system are able to carry out the numeral of the embodiment of the present invention
Currency using wallet and the solution binding method of bank's wallet.
One embodiment in foregoing invention has the following advantages that or beneficial effect：In embodiments of the present invention, by connecing
Bag of collecting money solves bind request, and bank account access registrar entry request is sent to user, and the bank account submitted according to user is visited
Ask that elements of certificate carries out authentication to user, and in authenticating user identification by afterwards, release digital cash application wallet with
The steps such as the binding relationship of bank's wallet, user can be made easily and safely to realize digital cash application wallet and digital cash
The solution binding of bank's wallet.Further, application scenarios flow is bound by expanding the solution of digital cash wallet, is easy to traditional bank
System of account is combined with digital cash system, is greatly enhanced property easy to use and the flexibility of digital cash, reduces numeral
Currency promotes threshold.
Further effect adds hereinafter in conjunction with embodiment possessed by above-mentioned non-usual optional mode
With explanation.
Brief description of the drawings
Accompanying drawing is used to more fully understand the present invention, does not form inappropriate limitation of the present invention.Wherein：
Fig. 1 is bank account according to embodiments of the present invention associates schematic diagram with digital cash bank wallet；
Fig. 2 is digital cash according to an embodiment of the invention using wallet and the solution binding method of bank's wallet
Schematic flow sheet；
Fig. 3 is digital cash according to another embodiment of the present invention using wallet and the solution binding method of bank's wallet
Schematic flow sheet；
Fig. 4 is digital cash according to an embodiment of the invention using wallet and the solution binding system of bank's wallet
Main modular schematic diagram；
Fig. 5 is digital cash according to another embodiment of the present invention using wallet and the solution binding system of bank's wallet
Main modular schematic diagram.
Embodiment
The one exemplary embodiment of the present invention is explained below in conjunction with accompanying drawing, including the various of the embodiment of the present invention
Details should think them only exemplary to help understanding.Therefore, those of ordinary skill in the art should recognize
Arrive, various changes and modifications can be made to the embodiments described herein, without departing from scope and spirit of the present invention.Together
Sample, for clarity and conciseness, the description to known function and structure is eliminated in following description.
It is pointed out that in the case where not conflicting, the feature in embodiment and embodiment in the present invention can be with
It is mutually combined.
Be discussed in detail the digital cash of the embodiment of the present invention using wallet and bank's wallet solution binding method and be
Before system, digital cash, digital cash wallet first to design of the embodiment of the present invention illustrate.
Digital cash is encryption word string, and the encryption word string includes：Amount of currency, publisher's mark and owner's mark.
From the point of view of global angle, digital cash can be deposited by digital cash safe deposit box.Wherein, digital cash wallet be enterprise and
Personal digital cash safe deposit box, digital cash bank storehouse is the digital cash safe deposit box of business bank.
Digital cash wallet, digital cash bank wallet (hereinafter referred to as " bank's wallet ") and digital cash can be divided into
Using wallet (hereinafter referred to as " applying wallet ").Wherein, bank's wallet be provided by bank's main body, based on bank account expand
The digital cash wallet of exhibition, it can provide the services such as digital cash keeping, exchange, payment for enterprises and individuals.
Fig. 1 is bank account according to embodiments of the present invention associates schematic diagram with digital cash bank wallet.Such as Fig. 1 institutes
Show, bank account can be associated (or being " binding ") with bank's wallet, and its specific interrelational form can be：In bank's account
The mark for the bank's wallet being associated is preserved in family, while the mark for the bank account being associated is preserved in bank's wallet
Know.So, in the case where not departing from existing bank account system, bank's wallet can be realized to be had to digital cash
Effect management.
It is the digital cash wallet provided by non-banking main body (hereinafter referred to as " applying wallet service provider ") using wallet, its
Can be provided for enterprises and individuals under various application scenarios (such as financial service, ecommerce and other the Internet, applications fields
Scape) digital cash application service.Using wallet after user authorizes, bank's wallet can be bound, is passed through so as to realize
Bank's wallet interface is called using wallet, accesses the functions such as bank's wallet.
Fig. 2 is digital cash according to an embodiment of the invention using wallet and the solution binding method of bank's wallet
Schematic flow sheet.Wherein, method shown in Fig. 2 illustrates from account row side.As shown in Fig. 2 the solution in the embodiment
Binding method mainly includes the following steps that：
Step S201, after the wallet solution bind request that user submits is received, account row sends bank to the user
Account access certification entry request.
In embodiments of the present invention, wallet solution bind request can include：Treat that solution binding is recognized using wallet, user's real name
Demonstrate,prove information.Wherein, treat that solution binding can include using information such as wallet mark, bank's wallet marks using wallet；User
Real-name authentication information can include the information such as address name, identification card number, cell-phone number.Account row is receiving the wallet solution of user
After bind request, bank account access registrar can be sent to user by short message, wechat, QQ or other communication modes and entered
Mouth request.For example, the bank account access registrar entry request sent in the form of short message can include：The binding prompting of wallet solution
Language, the link of bank account accession page.User clicks on the link, into bank account accession page, and then submits bank account
Access registrar key element.
Step S202, account row receives the bank account access registrar key element that user submits, and according to the bank account
Access registrar key element carries out authentication to the user.
Wherein, bank account access registrar key element may include：Bank's card number, key corresponding with bank card number.It is described close
Key can be symmetric key, or unsymmetrical key.When it is implemented, user can lead in the bank account access registrar page
Cross USB flash disk or manually enter bank's card number and key, afterwards, account row is verified to bank's card number, key.If checking is logical
Cross, then into step S203.
Step S203, in authenticating user identification in the case of, account row releases the digital cash application of the user
The binding relationship of wallet and bank's wallet.Wherein, bank's wallet is the digital cash money bound with the bank account of certification
Bag.
In a kind of preferred embodiment of the embodiment of the present invention, the digital cash application wallet and silver of the user are released
The binding relationship of row wallet, including：By the binding relationship of the digital cash application wallet of the user and bank's wallet delete or
The binding relationship is labeled as disarmed state by person.Wherein, the binding of the digital cash application wallet and bank's wallet of the user
Relation includes：Using the corresponding relation between the information of wallet and the information of bank's wallet.For example, in one embodiment, should
Binding relationship with wallet and bank's wallet is：Using wallet CA certificate, corresponding the closing of bank account mark, bank's wallet mark
System.Or in another embodiment, the binding relationship using wallet and bank's wallet is：Using wallet CA certificate, using money
Bag mark, bank account mark, the corresponding relation of bank's wallet mark.Or in yet another embodiment, using wallet and silver
The binding relationship of row wallet is：Identified using wallet, bank account mark, the corresponding relation of bank's wallet mark.Or again
In one embodiment, the binding relationship using wallet and bank's wallet is：Using wallet CA certificate, the correspondence of bank's wallet mark
Relation.
According to embodiments of the present invention, by receiving wallet solution bind request, send bank account access registrar to user and enter
Mouth request, authentication is carried out to user according to the bank account access registrar key element that user submits, and in authenticating user identification
By afterwards, releasing the steps such as the binding relationship of digital cash application wallet and bank's wallet, user can be made easily and safely
Realize the solution binding of digital cash application wallet and digital currency bank wallet.
Fig. 3 is digital cash according to another embodiment of the present invention using wallet and the solution binding method of bank's wallet
Schematic flow sheet.Wherein, method shown in Fig. 3 illustrates from user, account row both sides.As shown in figure 3, in the embodiment
Solution binding method mainly include the following steps that：
Step S301, user sends wallet solution bind request to account row.When it is implemented, user can be based on applying wallet
System initiates wallet solution bind request to account row.Wherein, the wallet solution bind request may include：Using the certification of wallet service provider
Information, using wallet service provider digital signature, user's real-name authentication information, treat solution binding using wallet etc..
Step S302, account row correspondingly carries out authentication according to wallet solution bind request with wallet service provider.Specifically,
The step includes：It is corresponding to be authenticated with wallet service provider authentication information and application wallet service provider digital signature.Such as can root
Service provider's digital signature is decrypted with the CertPubKey that account row is arranged according to service provider, obtains the bright of digital signature content
Text；Then correspond to and carry out Hash operation with wallet service provider authentication information, then by operation result and the clear content of digital signature
It is compared.If both are consistent, certification passes through；Otherwise, certification does not pass through.
Step S303, if service provider's authentication to user by sending bank account access registrar entry request.Example
Such as, account row can send bank account access registrar entrance to user by short message, wechat, QQ or other communication modes and ask
Ask.Wherein, the bank account access registrar entry request may include：Bank account accession page links.
Step S304, user submits bank account access registrar key element to account row.Wherein, bank account access registrar will
Element may include：Bank's card number, key corresponding with bank card number.The key can be symmetric key, or asymmetric
Key.When it is implemented, user by USB flash disk or can manually enter bank's card number and key in bank account accession page.
Step S305, account row carries out authentication according to bank account access registrar key element to user.If user identity
Certification is by into step S306；If authenticating user identification to user by that can not return to " authentication failure tips page
Face ".
Step S306, if authenticating user identification is by the way that account row searches the wallet binding relationship of user.Wherein, the money
Bag binding relationship includes：Using the corresponding relation between the information of wallet and the information of bank's wallet.When it is implemented, account row
It can be identified according to the application wallet in wallet solution bind request, or the information searching such as the bank's card number user that submits of user
Wallet binding relationship.
Step S307, account is about to wallet binding relationship and sent to the user.
Step S308, user sends wallet solution binding acknowledgement message to account row.
Step S309, account row is solved according to solution binding acknowledgement message is corresponding with the binding relationship of wallet and bank's wallet
Remove.Wherein, bank's wallet is the digital cash wallet bound with the bank account of certification.In a preferred embodiment,
The digital cash application wallet of the user and the binding relationship of bank's wallet are released, including：By the digital cash of the user
Deleted using the binding relationship of wallet and bank's wallet or the binding relationship is labeled as disarmed state.Wherein, the user
Digital cash application wallet and the binding relationship of bank's wallet include：Using between the information of wallet and the information of bank's wallet
Corresponding relation.
Step S310, account row sends wallet solution binding success receipt to user.When it is implemented, account row can be by answering
With Wallet System or bank account accession page solution binding success receipt is returned to user.
According to embodiments of the present invention, by carrying out double authentication to the identity of service provider, user, money is further increased
The security of bag solution binding.By above flow, user can be made easily and safely to realize digital cash application wallet and numeral
The solution binding of currency bank wallet.Further, application scenarios flow is bound by expanding the solution of digital cash wallet, is easy to tradition
Bank account system is combined with digital cash system, is greatly enhanced property easy to use and the flexibility of digital cash, is reduced
Digital cash promotes threshold.
Fig. 4 is digital cash according to an embodiment of the invention using wallet and the solution binding system of bank's wallet
Main modular schematic diagram.As shown in figure 4, the solution binding system 400 in the embodiment mainly includes：User's access modules 401, silver
Row account access authentication module 402.
User's access modules 401, for after the wallet solution bind request that user submits is received, being sent to the user
Bank account access registrar entry request.
In embodiments of the present invention, the wallet solution bind request that user's access modules 401 receive can include：Treat that solution binding should
With wallet, user's real-name authentication information.Wherein, treat that solution binding can include using wallet mark, silver using wallet
The information such as row wallet mark；User's real-name authentication information can include the information such as address name, identification card number, cell-phone number.User
Access modules 401 can pass through short message, wechat, QQ or other communications after the wallet solution bind request of user is received
Mode sends bank account access registrar entry request to user.For example, the bank account access registrar sent in the form of short message
Entry request can include：Wallet solution binding signal language, the link of bank account accession page.User clicks on the link, into silver
The row account access page, and then submit bank account access registrar key element.
User's access modules 401 are additionally operable to, and receive the bank account access registrar key element that user submits, and by the bank
Account access elements of certificate is transmitted to bank account access registrar module 402.
In embodiments of the present invention, the bank account access registrar key element that user submits may include：Bank's card number and bank
Key corresponding to card number.The key can be symmetric key, or unsymmetrical key.When it is implemented, user can be
The bank account access registrar page is by USB flash disk or manually enters bank's card number and key, and user's access modules are receiving
After stating bank's card number and key, bank account access registrar module 402 is passed along.
Bank account access registrar module 402, the bank account access registrar key element submitted for receiving user, and according to
The bank account access registrar key element carries out authentication to the user.For example, when bank account access registrar key element is
When bank's card number, key corresponding with bank card number, bank account access registrar module 402 to bank's card number, with bank's card number
Corresponding key is verified.So, only need to bank's card number, key existing to user, bound with bank wallet enter
Row certification, without being authenticated to single bank's wallet accession number, key so that it is more convenient that wallet unbinds constant current journey.
Bank account access registrar module 402 is additionally operable to：In authenticating user identification in the case of, the user is released
Digital cash application wallet and bank's wallet binding relationship.Wherein, bank's wallet is to be bound with the bank account of certification
Digital cash wallet.
Specifically, bank account access registrar module 402, which releases the binding relationship, can take following preferred embodiment：
Bank account access registrar module 402 by the binding relationship of the digital cash application wallet of the user and bank's wallet delete or
The binding relationship is labeled as disarmed state by person.Wherein, the binding of the digital cash application wallet and bank's wallet of the user
Relation includes：Using the corresponding relation between the information of wallet and the information of bank's wallet.For example, in one embodiment, should
Binding relationship with wallet and bank's wallet is：Using wallet CA certificate, corresponding the closing of bank account mark, bank's wallet mark
System.Or in another embodiment, the binding relationship using wallet and bank's wallet is：Using wallet CA certificate, using money
Bag mark, bank account mark, the corresponding relation of bank's wallet mark.Or in yet another embodiment, using wallet and silver
The binding relationship of row wallet is：Identified using wallet, bank account mark, the corresponding relation of bank's wallet mark.Or again
In one embodiment, the binding relationship using wallet and bank's wallet is：Using wallet CA certificate, the correspondence of bank's wallet mark
Relation.
According to embodiments of the present invention, wallet solution bind request is received by user's access modules, bank's account is sent to user
Family access registrar entry request, authentication is carried out to user by bank account access registrar module, and recognized in user identity
After card passes through, the binding relationship of digital cash application wallet and bank's wallet is released, user can be made easily and safely to realize
The solution of digital cash application wallet and digital currency bank wallet is bound.
Fig. 5 is digital cash according to another embodiment of the present invention using wallet and the solution binding system of bank's wallet
Main modular schematic diagram.As shown in figure 5, the solution binding system 500 in the embodiment mainly includes：User's access modules 501, clothes
Business business authentication module 502, bank account access registrar module 503.
User's access modules 501, for receiving the wallet solution bind request of user's submission.
In a preferred embodiment of the embodiment of the present invention, the wallet solution binding that user's access modules 501 receive please
Asking may include：Using wallet service provider authentication information, using wallet service provider digital signature, user's real-name authentication information, wait to solve
Binding is using wallet etc..
Service provider's authentication module 502, for being entered according to the identity of the wallet solution bind request correspondence wallet service provider
Row certification.For example, when wallet solution binding request bag contains using wallet service provider authentication information, using wallet service provider digital signature
When, service provider's authentication module 502 is corresponding to be authenticated including with the identity of wallet service provider：Corresponding wallet service provider certification is believed
Breath and application wallet service provider digital signature are authenticated.Such as the CertPubKey pair that can be arranged according to service provider and account row
Service provider's digital signature is decrypted, and obtains the plaintext of digital signature content；Then correspond to be entered with wallet service provider authentication information
Row Hash operation, then operation result is compared with the clear content of digital signature.If both are consistent, certification passes through；
Otherwise, certification does not pass through.
User's access modules 501, it is additionally operable to confirm to apply the identity of wallet service provider correct in service provider's authentication module 502
Afterwards, bank account access registrar entry request is sent to user.For example, user's access modules 501 can by short message, wechat,
QQ or other communication modes send bank account access registrar entry request to user.Wherein, the bank account access registrar
Entry request may include：Bank account accession page links.
User's access modules 501 are additionally operable to, and receive the bank account access registrar key element that user submits, and by the bank
Account access elements of certificate is transmitted to bank account access registrar module 503.
In embodiments of the present invention, the bank account access registrar key element that user submits may include：Bank's card number and bank
Key corresponding to card number.The key can be symmetric key, or unsymmetrical key.When it is implemented, user can be
The bank account access registrar page is being received by USB flash disk or manually input bank's card number and key, user's access modules 501
After bank's card number and key, bank account access registrar module 503 is passed along.
Bank account access registrar module 503, the bank account access registrar key element submitted for receiving user, and according to
The bank account access registrar key element carries out authentication to the user.Bank account access registrar module 503 is additionally operable to：
In authenticating user identification in the case of, the binding for releasing the digital cash application wallet and bank's wallet of the user is closed
System.Wherein, bank's wallet is the digital cash wallet bound with the bank account of certification.
In embodiments of the present invention, bank account access registrar module 503 releases the binding relationship, including：Bank account
Access registrar module 503 searches leading to using wallet and the binding relationship of bank's wallet, then by the binding relationship for the user
User's access modules 501 are crossed to send to the user；The wallet that bank account access registrar module 503 is submitted according to the user
Solution binding acknowledgement message releases to the digital cash application wallet of the user and the binding relationship of bank's wallet.
Wherein, bank account access registrar module 503, which releases the binding relationship, can take following preferred embodiment：Silver
Row account access authentication module 503 by the binding relationship of the digital cash application wallet of the user and bank's wallet delete or
The binding relationship is labeled as disarmed state.Wherein, the binding of the digital cash application wallet of the user and bank's wallet is closed
System includes：Using the corresponding relation between the information of wallet and the information of bank's wallet.
User's access modules 501, it is additionally operable to after the binding relationship of application wallet and bank's wallet releases, is sent out to user
Wallet solution is sent to bind success receipt.
According to embodiments of the present invention, by service provider's authentication module, bank account access registrar module to service provider, user
Identity carry out double authentication, further increase wallet solution binding security.By system above, user side can be made
Just the solution binding of digital cash application wallet and digital currency bank wallet, is safely realized.Further, by system above,
Be easy to traditional bank system of account to be combined with digital cash system, be greatly enhanced digital cash property easy to use and flexibly
Property, reduce digital cash and promote threshold.
Above-mentioned embodiment, does not form limiting the scope of the invention.Those skilled in the art should be bright
It is white, depending on design requirement and other factors, various modifications, combination, sub-portfolio and replacement can occur.It is any
Modifications, equivalent substitutions and improvements made within the spirit and principles in the present invention etc., should be included in the scope of the present invention
Within.
Claims (13)
1. a kind of digital cash using wallet and the solution binding method of bank's wallet, it is characterised in that methods described includes：
After the wallet solution bind request that user submits is received, sending bank account access registrar entrance to the user please
Ask；
The bank account access registrar key element that user submits is received, and according to the bank account access registrar key element to the use
Family carries out authentication；
In authenticating user identification in the case of, the binding of the digital cash application wallet and bank's wallet of the user is released
Relation；Wherein, bank's wallet is the digital cash wallet bound with the bank account of certification.
2. according to the method for claim 1, it is characterised in that release digital cash application wallet and the bank of the user
The step of binding relationship of wallet, includes：
The binding relationship of the digital cash application wallet of the user and bank's wallet is deleted or marks the binding relationship
For disarmed state.
3. according to the method for claim 1, it is characterised in that the digital cash application wallet and bank's wallet of the user
Binding relationship include：Using the corresponding relation between the information of wallet and the information of bank's wallet.
4. according to the method for claim 1, it is characterised in that sending bank account access registrar entrance to the user please
Before the step of asking, methods described also includes：
Confirmed according to the wallet solution bind request correct using the identity of wallet service provider.
5. according to the method for claim 3, it is characterised in that
Included in the wallet solution bind request using wallet service provider authentication information and application wallet service provider digital signature；
Confirmed according to the wallet solution bind request using the correct step of the identity of wallet service provider, including：Confirm described answer
It is correct with wallet service provider authentication information and application wallet service provider digital signature.
6. according to the method for claim 1, it is characterised in that release digital cash application wallet and the bank of the user
The step of binding relationship of wallet, includes：
Search being sent using wallet and the binding relationship of bank's wallet, then by the binding relationship to the use for the user
Family；
Digital cash application wallet and bank's money according to the wallet solution binding acknowledgement message that the user submits to the user
The binding relationship of bag is released.
7. a kind of digital cash using wallet and the solution binding system of bank's wallet, it is characterised in that the system includes：
User's access modules, for after the wallet solution bind request that user submits is received, bank's account to be sent to the user
Family access registrar entry request；
Bank account access registrar module, for receiving the bank account access registrar key element of user's submission, and according to the silver
Row account access elements of certificate carries out authentication to the user；It is also, described in authenticating user identification in the case of
Bank account access registrar module is additionally operable to：The binding for releasing the digital cash application wallet and bank's wallet of the user is closed
System；Wherein, bank's wallet is the digital cash wallet bound with the bank account of certification.
8. system according to claim 7, it is characterised in that the bank account access registrar module releases the user
Digital cash application wallet and bank's wallet binding relationship, including：The bank account access registrar module is by the use
The digital cash application wallet at family and the binding relationship of bank's wallet are deleted or the binding relationship are labeled as into disarmed state.
9. system according to claim 7, it is characterised in that the digital cash application wallet and bank's wallet of the user
Binding relationship include：Using the corresponding relation between the information of wallet and the information of bank's wallet.
10. system according to claim 7, it is characterised in that the system also includes：Service provider's authentication module；
Before user's access modules send bank account access registrar entry request to the user, service provider's certification mould
Block is used for, and is confirmed according to the wallet solution bind request correct using the identity of wallet service provider.
11. system according to claim 8, it is characterised in that
Included in the wallet solution bind request using wallet service provider authentication information and application wallet service provider digital signature；
Service provider's authentication module confirms, bag correct using the identity of wallet service provider according to the wallet solution bind request
Include：Service provider's authentication module is confirming application wallet service provider's authentication information and application wallet the service provider digital signature just
Really.
12. system according to claim 8, it is characterised in that the bank account access registrar module releases the use
The digital cash application wallet at family and the binding relationship of bank's wallet, including：
The bank account access registrar module search the user using wallet and the binding relationship of bank's wallet, then by institute
Binding relationship is stated to send to the user by user's access modules；
The wallet solution binding acknowledgement message that the bank account access registrar module is submitted according to the user is to the user's
The binding relationship of digital cash application wallet and bank's wallet is released.
13. a kind of computer-readable recording medium, computer instruction is stored with the computer-readable recording medium, its feature
It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy
Enough perform claims require the method described in 1 to 6 any one.
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| CN201710493157.6A CN107392579B (en) | 2017-06-26 | 2017-06-26 | Application wallet of digital currency and unbinding method and system of bank wallet |
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| CN201710493157.6A CN107392579B (en) | 2017-06-26 | 2017-06-26 | Application wallet of digital currency and unbinding method and system of bank wallet |
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| CN107392579B CN107392579B (en) | 2020-10-09 |
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|---|---|
| CN107392579B (en) | 2020-10-09 |
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