CN107392579B - Application wallet of digital currency and unbinding method and system of bank wallet - Google Patents
Application wallet of digital currency and unbinding method and system of bank wallet Download PDFInfo
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- CN107392579B CN107392579B CN201710493157.6A CN201710493157A CN107392579B CN 107392579 B CN107392579 B CN 107392579B CN 201710493157 A CN201710493157 A CN 201710493157A CN 107392579 B CN107392579 B CN 107392579B
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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
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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
- G06Q20/30—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
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
Abstract
The embodiment of the invention discloses an application wallet of digital currency and a method and a system for unbinding a bank wallet, and relates to the technical field of computers. The method in the embodiment of the invention comprises the following steps: after receiving a wallet unbinding request submitted by a user, sending a bank account access authentication entrance request to the user; receiving a bank account access authentication element submitted by a user, and performing identity authentication on the user according to the bank account access authentication element; and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user. Through the steps, the function of the digital currency wallet is effectively expanded by means of a bank account system, and the function of unbinding the digital currency application wallet and the digital currency bank wallet is conveniently and safely realized.
Description
Technical Field
The invention relates to the technical field of computers, in particular to an application wallet of digital currency and a method and a system for unbinding a bank wallet.
Background
Whether the digital currency can exert the effect thereof is firmly the basis of technical routes, risk prevention and control measures and safety guarantee measures, but the application is the key. Only well-used legal digital currencies accepted by the public and the market are vital, and the supplement to the traditional currencies can be really realized.
Although the pure digital currency system may not be associated with the bank account, the currency issuance in China follows the binary system of 'central bank-commercial bank', and the current social and economic activities are mainly developed based on the commercial bank account system, if the existing mature IT infrastructure and application services of the bank can be fully utilized by means of the bank account system, the popularization threshold of the digital currency can be greatly reduced, and the use convenience and flexibility of the digital currency can be improved.
Digital currency is managed by means of an account hierarchy, the most straightforward approach being to extend the access scope of the central bank balance sheet. In fact, the recourse of central banks held by commercial banks and some other financial institutions in the form of a central bank deposit has been digitized. However, this is likely to trigger a transfer of the deposit from a commercial bank to the central bank, resulting in a narrowing of the overall bank system, which is a "narrow bank".
How to manage digital currency by means of the existing bank account system to protect the existing system investment of commercial banks to the maximum extent and reduce the possibility of occurrence of 'narrow bank' has no effective solution at present.
In view of the above, the inventor of the present invention proposes a design concept of "introducing a digital money wallet under a traditional account system of a commercial bank", and proposes various business implementation processes and system frameworks related to the digital money wallet on the basis of the design concept.
Disclosure of Invention
The embodiment of the invention provides an application wallet of digital currency and a method and a system for unbinding a bank wallet of the digital currency, which are used for conveniently and safely realizing the unbinding function of the application wallet of the digital currency and the bank wallet of the digital currency while effectively expanding the function of the digital currency wallet by means of a bank account system.
To achieve the above objects, according to one aspect of the embodiments of the present invention, there is provided an application wallet for digital money and a method of unbinding a bank wallet.
The application wallet of the digital currency and the unbinding method of the bank wallet of the embodiment of the invention comprise the following steps: after receiving a wallet unbinding request submitted by a user, sending a bank account access authentication entrance request to the user; receiving a bank account access authentication element submitted by a user, and performing identity authentication on the user according to the bank account access authentication element; under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user; wherein the bank wallet is a digital currency wallet bound to an authenticated bank account.
Optionally, the step of unbinding the binding relationship between the user's digital currency application wallet and the bank wallet comprises: deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state.
Optionally, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the correspondence between the information of the application wallet and the information of the bank wallet.
Optionally, before the step of sending a bank account access authentication entry request to the user, the method further comprises: and confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
Optionally, the wallet unbinding request includes the authentication information of the wallet facilitator and the digital signature of the wallet facilitator; the step of confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request comprises the following steps: and confirming that the authentication information of the application wallet facilitator and the digital signature of the application wallet facilitator are correct.
Optionally, the step of unbinding the binding relationship between the user's digital currency application wallet and the bank wallet comprises: searching the binding relationship between the application wallet of the user and the bank wallet, and sending the binding relationship to the user; and releasing the binding relationship between the digital currency application wallet and the bank wallet of the user according to the wallet unbinding confirmation information submitted by the user.
To achieve the above object, according to another aspect of the embodiments of the present invention, there is provided an unbinding system of an application wallet and a bank wallet of digital money.
The unbinding system of the application wallet and the bank wallet of the digital currency comprises the following steps: the system comprises a user access module, a wallet binding module and a binding module, wherein the user access module is used for sending a bank account access authentication entrance request to a user after receiving a wallet unbinding request submitted by the user; the bank account access authentication module is used for receiving bank account access authentication elements submitted by a user and authenticating the identity of the user according to the bank account access authentication elements; and, in case that the user identity authentication passes, the bank account access authentication module is further configured to: releasing the binding relationship between the user's digital currency application wallet and a bank wallet; wherein the bank wallet is a digital currency wallet bound to an authenticated bank account.
Optionally, the bank account access authentication module releases the binding relationship between the digital currency application wallet of the user and the bank wallet, including: and the bank account access authentication module deletes the binding relationship between the digital currency application wallet of the user and the bank wallet or marks the binding relationship as an invalid state.
Optionally, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the correspondence between the information of the application wallet and the information of the bank wallet.
Optionally, the system further comprises: a service provider authentication module; before the user access module sends a bank account access authentication entrance request to the user, the service provider authentication module is used for confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
Optionally, the wallet unbinding request includes the authentication information of the wallet facilitator and the digital signature of the wallet facilitator; the service provider authentication module confirms that the identity of the application wallet service provider is correct according to the wallet unbinding request, and comprises the following steps: the facilitator authentication module confirms that the application wallet facilitator authentication information and the application wallet facilitator digital signature are correct.
Optionally, the bank account access authentication module releases the binding relationship between the digital currency application wallet of the user and the bank wallet, including: the bank account access authentication module searches the binding relationship between the application wallet of the user and the bank wallet, and then sends the binding relationship to the user through the user access module; and the bank account access authentication module releases the binding relationship between the digital currency application wallet of the user and the bank wallet according to the wallet unbinding confirmation information submitted by the user.
To achieve the above object, according to still another aspect of embodiments of the present invention, there is provided a computer-readable storage medium.
The computer-readable storage medium of the embodiment of the present invention stores therein computer instructions that can be executed by a computer or a computer system, thereby enabling the computer or the computer system to perform the method for unbinding an application wallet and a bank wallet of digital money of the embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: in the embodiment of the invention, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet by receiving the wallet unbinding request, sending a bank account access authentication entrance request to the user, carrying out identity authentication on the user according to bank account access authentication elements submitted by the user, removing the binding relationship between the digital currency application wallet and the bank wallet after the identity authentication of the user passes and the like. Furthermore, by expanding the unbinding application scene flow of the digital currency wallet, the combination of a traditional bank account system and a digital currency system is facilitated, the use convenience and flexibility of the digital currency are greatly improved, and the digital currency popularization threshold is reduced.
Further effects of the above-mentioned non-conventional alternatives will be described below in connection with the embodiments.
Drawings
The drawings are included to provide a better understanding of the invention and are not to be construed as unduly limiting the invention. Wherein:
FIG. 1 is a schematic diagram of an association of a bank account with a digital currency bank wallet, according to an embodiment of the present invention;
fig. 2 is a flow diagram illustrating an unbinding method of an application wallet and a bank wallet of digital money according to one embodiment of the present invention;
fig. 3 is a flowchart illustrating an unbinding method of an application wallet and a bank wallet of digital money according to another embodiment of the present invention;
FIG. 4 is a schematic diagram of the main modules of an application wallet for digital currency and an unbinding system for a bank wallet, according to one embodiment of the present invention;
fig. 5 is a schematic diagram of the main modules of an unbinding system of an application wallet for digital money and a bank wallet according to another embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
It should be noted that the embodiments and features of the embodiments may be combined with each other without conflict.
Before describing in detail the method and system for unbinding the application wallet and the bank wallet of digital money according to the embodiment of the present invention, the digital money and the digital money wallet designed according to the embodiment of the present invention will be described first.
The digital currency is an encryption string, the encryption string comprising: a monetary amount, an issuer identification, and an owner identification. From a general perspective, digital currency may be deposited through a digital currency safe deposit box. Among them, the digital money wallet is a digital money safe deposit box of an enterprise and an individual, and the digital money bank is a digital money safe deposit box of a commercial bank.
Digital money purses, which can be classified into digital money bank purses (hereinafter, simply referred to as "bank purses") and digital money application purses (hereinafter, simply referred to as "application purses"). The bank wallet is a digital currency wallet provided by a bank main body and expanded based on a bank account, and can provide services of digital currency keeping, exchange, payment and the like for enterprises and individuals.
Fig. 1 is a schematic diagram of the association of a bank account with a digital currency bank wallet according to an embodiment of the present invention. As shown in fig. 1, a bank account may be associated with (or referred to as "binding") a bank wallet in a specific way: the identity of the bank wallet associated therewith is maintained in the bank account, while the identity of the bank account associated therewith is maintained in the bank wallet. In this way, the bank wallet can achieve efficient management of digital currency without departing from the existing bank account hierarchy.
An application wallet is a digital money wallet provided by a non-banking body (hereinafter referred to as an "application wallet facilitator"), which can provide digital money application services in various application scenarios, such as financial services, e-commerce, and other internet application scenarios, for businesses and individuals. After the application wallet is authorized by the user, the application wallet can be bound, so that functions of calling a bank wallet interface, accessing the bank wallet and the like through the application wallet can be realized.
Fig. 2 is a flowchart illustrating an unbinding method of an application wallet and a bank wallet of digital money according to an embodiment of the present invention. The method shown in fig. 2 is explained from the account row side. As shown in fig. 2, the unbinding method in this embodiment mainly includes the following steps:
step S201, after receiving a wallet unbinding request submitted by a user, an account bank sends a bank account access authentication entrance request to the user.
In an embodiment of the present invention, the wallet unbinding request may include: and the information of the application wallet to be unbound and the authentication information of the user real name are obtained. The information of the application wallet to be unbound can comprise information such as an application wallet identifier and a bank wallet identifier; the user real-name authentication information can comprise information such as a user name, an identification card number, a mobile phone number and the like. After receiving the wallet unbinding request of the user, the account bank can send a bank account access authentication entrance request to the user through a short message, a WeChat, a QQ or other communication modes. For example, the bank account access authentication entry request sent in the form of a short message may include: the wallet unbinding prompt words and the bank account access page link. And the user clicks the link, enters a bank account access page and then submits bank account access authentication elements.
Step S202, the account bank receives a bank account access authentication element submitted by a user, and performs identity authentication on the user according to the bank account access authentication element.
The bank account access authentication element may include: the bank card number and the key corresponding to the bank card number. The key may be a symmetric key or an asymmetric key. In specific implementation, a user can input a bank card number and a secret key through a U disk or manually on a bank account access authentication page, and then an account bank verifies the bank card number and the secret key. If the verification is passed, the flow proceeds to step S203.
And S203, under the condition that the user identity authentication is passed, the account bank releases the binding relationship between the digital currency application wallet and the bank wallet of the user. Wherein the bank wallet is a digital currency wallet bound to an authenticated bank account.
In a preferred implementation manner of the embodiment of the present invention, the releasing the binding relationship between the digital currency application wallet of the user and the bank wallet includes: deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet. For example, in one embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation of the wallet CA certificate, the bank account identification and the bank wallet identification. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relation of the application wallet CA certificate, the application wallet mark, the bank account mark and the bank wallet mark. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: and the corresponding relation of the application wallet identification, the bank account identification and the bank wallet identification. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation between the wallet CA certificate and the bank wallet identifier.
According to the embodiment of the invention, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet by receiving the wallet unbinding request, sending the bank account access authentication entrance request to the user, carrying out identity authentication on the user according to the bank account access authentication element submitted by the user, and removing the binding relationship between the digital currency application wallet and the bank wallet after the identity authentication of the user passes.
Fig. 3 is a flowchart illustrating an unbinding method of an application wallet and a bank wallet of digital money according to another embodiment of the present invention. The method shown in fig. 3 is explained from both sides of the user and the account line. As shown in fig. 3, the unbinding method in this embodiment mainly includes the following steps:
at step S301, the user sends a wallet unbind request to the account line. In particular implementations, a user may initiate a wallet unbinding request to an account bank based on an application wallet system. Wherein the wallet unbinding request may include: the method comprises the steps of authentication information of an application wallet facilitator, digital signature of the application wallet facilitator, real-name authentication information of a user, information of an application wallet to be unbound and the like.
And step S302, the account bank authenticates the identity of the application wallet service provider according to the wallet unbinding request. Specifically, the steps include: authenticating the application wallet facilitator authentication information and the application wallet facilitator digital signature. For example, the digital signature of the service provider can be decrypted according to a certificate public key agreed by the service provider and the account bank, so as to obtain a plaintext of the digital signature content; and then carrying out Hash operation on the authentication information of the applied wallet service provider, and comparing the operation result with the plaintext content of the digital signature. If the two are consistent, the authentication is passed; otherwise, the authentication is not passed.
And step S303, if the identity authentication of the service provider is passed, sending a bank account access authentication entrance request to the user. For example, the account bank may send a bank account access authentication portal request to the user via sms, wechat, QQ, or other communication means. Wherein, the bank account access authentication entry request may include: the bank account accesses the page link.
Step S304, the user submits the bank account access authentication element to the account bank. The bank account access authentication element may include: the bank card number and the key corresponding to the bank card number. The key may be a symmetric key or an asymmetric key. In specific implementation, the user can input the bank card number and the secret key through the U disk or manually on the bank account access page.
And S305, the account bank performs identity authentication on the user according to the bank account access authentication element. If the user identity authentication is passed, entering step S306; if the user identity authentication fails, an 'identity authentication failure prompt page' can be returned to the user.
And S306, if the user identity authentication is passed, searching the wallet binding relationship of the user by the account line. Wherein the wallet binding relationship comprises: the correspondence between the information of the application wallet and the information of the bank wallet. In specific implementation, the account bank may search the wallet binding relationship of the user according to the application wallet identifier in the wallet unbinding request or information such as a bank card number submitted by the user.
Step S307, the account bank sends the wallet binding relationship to the user.
Step S308, the user sends wallet unbinding confirmation information to the account line.
And S309, the account bank releases the binding relationship between the application wallet and the bank wallet according to the unbinding confirmation information. Wherein the bank wallet is a digital currency wallet bound to an authenticated bank account. In a preferred embodiment, unbinding the user's digital currency application wallet from a bank wallet comprises: deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
And step S310, the account bank sends a wallet unbinding success receipt to the user. In specific implementation, the account line can return an unbinding success receipt to the user through an application wallet system or a bank account access page.
According to the embodiment of the invention, the identity of the service provider and the identity of the user are subjected to double authentication, so that the safety of wallet unbinding is further improved. Through the process, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet. Furthermore, by expanding the unbinding application scene flow of the digital currency wallet, the combination of a traditional bank account system and a digital currency system is facilitated, the use convenience and flexibility of the digital currency are greatly improved, and the digital currency popularization threshold is reduced.
Fig. 4 is a schematic diagram of the main modules of an unbinding system of an application wallet for digital money and a bank wallet according to an embodiment of the present invention. As shown in fig. 4, the unbinding system 400 in this embodiment mainly includes: a user access module 401 and a bank account access authentication module 402.
The user access module 401 is configured to send a bank account access authentication entry request to the user after receiving a wallet unbinding request submitted by the user.
In an embodiment of the present invention, the wallet unbinding request received by the user access module 401 may include: and the information of the application wallet to be unbound and the authentication information of the user real name are obtained. The information of the application wallet to be unbound can comprise information such as an application wallet identifier and a bank wallet identifier; the user real-name authentication information can comprise information such as a user name, an identification card number, a mobile phone number and the like. After receiving the wallet unbinding request of the user, the user access module 401 may send a bank account access authentication entry request to the user through a short message, a WeChat, a QQ or other communication methods. For example, the bank account access authentication entry request sent in the form of a short message may include: the wallet unbinding prompt words and the bank account access page link. And the user clicks the link, enters a bank account access page and then submits bank account access authentication elements.
The user access module 401 is further configured to receive a bank account access authentication element submitted by a user, and transmit the bank account access authentication element to the bank account access authentication module 402.
In the embodiment of the present invention, the bank account access authentication elements submitted by the user may include: the bank card number and the key corresponding to the bank card number. The key may be a symmetric key or an asymmetric key. In specific implementation, the user may input the bank card number and the secret key through the usb disk or manually on the bank account access authentication page, and the user access module transmits the bank card number and the secret key to the bank account access authentication module 402 after receiving the bank card number and the secret key.
The bank account access authentication module 402 is configured to receive a bank account access authentication element submitted by a user, and perform identity authentication on the user according to the bank account access authentication element. For example, when the bank account access authentication element is a bank card number and a key corresponding to the bank card number, the bank account access authentication module 402 verifies the bank card number and the key corresponding to the bank card number. Therefore, only the bank card number and the key which are bound with the bank wallet and exist by the user need to be authenticated, and the login number and the key of the bank wallet are not required to be authenticated independently, so that the wallet unbinding process is more convenient.
The bank account access authentication module 402 is further configured to: and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user. Wherein the bank wallet is a digital currency wallet bound to an authenticated bank account.
Specifically, the bank account access authentication module 402 may release the binding relationship according to the following preferred embodiments: the bank account access authentication module 402 deletes or marks as invalid the binding of the user's digital currency application wallet and the bank wallet. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet. For example, in one embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation of the wallet CA certificate, the bank account identification and the bank wallet identification. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relation of the application wallet CA certificate, the application wallet mark, the bank account mark and the bank wallet mark. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: and the corresponding relation of the application wallet identification, the bank account identification and the bank wallet identification. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: and applying the corresponding relation between the wallet CA certificate and the bank wallet identifier.
According to the embodiment of the invention, the user access module receives the wallet unbinding request, sends the bank account access authentication entrance request to the user, performs identity authentication on the user through the bank account access authentication module, and releases the binding relationship between the digital currency application wallet and the bank wallet after the identity authentication of the user is passed, so that the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet.
Fig. 5 is a schematic diagram of the main modules of an unbinding system of an application wallet for digital money and a bank wallet according to another embodiment of the present invention. As shown in fig. 5, the unbinding system 500 in this embodiment mainly includes: a user access module 501, a service provider authentication module 502 and a bank account access authentication module 503.
The user access module 501 is configured to receive a wallet unbinding request submitted by a user.
In a preferred implementation manner of the embodiment of the present invention, the wallet unbinding request received by the user access module 501 may include: the method comprises the steps of authentication information of an application wallet facilitator, digital signature of the application wallet facilitator, real-name authentication information of a user, information of an application wallet to be unbound and the like.
And the service provider authentication module 502 is configured to authenticate the identity of the application wallet service provider according to the wallet unbinding request. For example, when the wallet unbinding request contains application wallet facilitator authentication information, an application wallet facilitator digital signature, the facilitator authentication module 502 authenticating the identity of the application wallet facilitator includes: authenticating the application wallet facilitator authentication information and the application wallet facilitator digital signature. For example, the digital signature of the service provider can be decrypted according to a certificate public key agreed by the service provider and the account bank, so as to obtain a plaintext of the digital signature content; and then carrying out Hash operation on the authentication information of the applied wallet service provider, and comparing the operation result with the plaintext content of the digital signature. If the two are consistent, the authentication is passed; otherwise, the authentication is not passed.
The user access module 501 is further configured to send a bank account access authentication entry request to the user after the facilitator authentication module 502 confirms that the identity of the application wallet facilitator is correct. For example, the user access module 501 may send a bank account access authentication entry request to the user through a short message, a WeChat, a QQ, or other communication methods. Wherein, the bank account access authentication entry request may include: the bank account accesses the page link.
The user access module 501 is further configured to receive a bank account access authentication element submitted by a user, and transmit the bank account access authentication element to the bank account access authentication module 503.
In the embodiment of the present invention, the bank account access authentication elements submitted by the user may include: the bank card number and the key corresponding to the bank card number. The key may be a symmetric key or an asymmetric key. In specific implementation, the user may input the bank card number and the secret key through the usb disk or manually on the bank account access authentication page, and the user access module 501 transmits the bank card number and the secret key to the bank account access authentication module 503 after receiving the bank card number and the secret key.
The bank account access authentication module 503 is configured to receive a bank account access authentication element submitted by a user, and perform identity authentication on the user according to the bank account access authentication element. The bank account access authentication module 503 is further configured to: and under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user. Wherein the bank wallet is a digital currency wallet bound to an authenticated bank account.
In this embodiment of the present invention, the removing the binding relationship by the bank account access authentication module 503 includes: the bank account access authentication module 503 searches for the binding relationship between the application wallet of the user and the bank wallet, and then sends the binding relationship to the user through the user access module 501; the bank account access authentication module 503 releases the binding relationship between the digital currency application wallet of the user and the bank wallet according to the wallet unbinding confirmation information submitted by the user.
The bank account access authentication module 503 may release the binding relationship in the following preferred embodiments: the bank account access authentication module 503 deletes the binding relationship of the user's digital money application wallet and the bank wallet or marks the binding relationship as an invalid state. Wherein, the binding relationship between the digital currency application wallet of the user and the bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
The user access module 501 is further configured to send a wallet unbinding success receipt to the user after the binding relationship between the application wallet and the bank wallet is released.
According to the embodiment of the invention, the identity of the service provider and the identity of the user are subjected to double authentication through the service provider authentication module and the bank account access authentication module, so that the safety of wallet unbinding is further improved. Through the system, the user can conveniently and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet. Furthermore, through the system, the combination of a traditional bank account system and a digital currency system is facilitated, the use convenience and flexibility of the digital currency are greatly improved, and the digital currency popularization threshold is reduced.
The above-described embodiments should not be construed as limiting the scope of the invention. Those skilled in the art will appreciate that various modifications, combinations, sub-combinations, and substitutions can occur, depending on design requirements and other factors. Any modification, equivalent replacement, and improvement made within the spirit and principle of the present invention should be included in the protection scope of the present invention.
Claims (13)
1. An application wallet of digital currency and a method for unbinding a bank wallet, the method comprising:
after receiving a wallet unbinding request submitted by a user, sending a bank account access authentication entrance request to the user;
receiving a bank account access authentication element submitted by a user, and performing identity authentication on the user according to the bank account access authentication element;
under the condition that the user identity authentication is passed, releasing the binding relationship between the digital currency application wallet and the bank wallet of the user; wherein the digital currency is an encryption sub-string, the encryption sub-string comprising: a monetary amount, an issuer identification, and an owner identification; the bank wallet is a digital currency wallet which is provided by a bank main body and is bound with an authenticated bank account; the digital money application wallet is a digital money wallet provided by a non-bank subject.
2. The method of claim 1, wherein the step of unbinding the binding relationship between the user's digital currency application wallet and bank wallet comprises:
deleting the binding relationship between the digital currency application wallet of the user and the bank wallet or marking the binding relationship as an invalid state.
3. The method of claim 1, wherein the binding relationship of the user's digital currency application wallet and bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
4. The method of claim 1, wherein prior to the step of sending a bank account access authentication portal request to the user, the method further comprises:
and confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
5. The method of claim 3,
the wallet unbinding request comprises application wallet facilitator authentication information and an application wallet facilitator digital signature;
the step of confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request comprises the following steps: and confirming that the authentication information of the application wallet facilitator and the digital signature of the application wallet facilitator are correct.
6. The method of claim 1, wherein the step of unbinding the binding relationship between the user's digital currency application wallet and bank wallet comprises:
searching the binding relationship between the application wallet of the user and the bank wallet, and sending the binding relationship to the user;
and releasing the binding relationship between the digital currency application wallet and the bank wallet of the user according to the wallet unbinding confirmation information submitted by the user.
7. An unbinding system for an application wallet and a bank wallet for digital currency, the system comprising:
the system comprises a user access module, a wallet binding module and a binding module, wherein the user access module is used for sending a bank account access authentication entrance request to a user after receiving a wallet unbinding request submitted by the user;
the bank account access authentication module is used for receiving bank account access authentication elements submitted by a user and authenticating the identity of the user according to the bank account access authentication elements; and, in case that the user identity authentication passes, the bank account access authentication module is further configured to: releasing the binding relationship between the user's digital currency application wallet and a bank wallet; wherein the digital currency is an encryption sub-string, the encryption sub-string comprising: a monetary amount, an issuer identification, and an owner identification; the bank wallet is a digital currency wallet which is provided by a bank main body and is bound with an authenticated bank account; the digital money application wallet is a digital money wallet provided by a non-bank subject.
8. The system of claim 7, wherein the bank account access authentication module unbinding the user's digital currency application wallet from a bank wallet comprises: and the bank account access authentication module deletes the binding relationship between the digital currency application wallet of the user and the bank wallet or marks the binding relationship as an invalid state.
9. The system of claim 7, wherein the binding relationship between the user's digital currency application wallet and a bank wallet comprises: the correspondence between the information of the application wallet and the information of the bank wallet.
10. The system of claim 7, further comprising: a service provider authentication module;
before the user access module sends a bank account access authentication entrance request to the user, the service provider authentication module is used for confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.
11. The system of claim 8,
the wallet unbinding request comprises application wallet facilitator authentication information and an application wallet facilitator digital signature;
the service provider authentication module confirms that the identity of the application wallet service provider is correct according to the wallet unbinding request, and comprises the following steps: the facilitator authentication module confirms that the application wallet facilitator authentication information and the application wallet facilitator digital signature are correct.
12. The system of claim 8, wherein the bank account access authentication module unbinding the user's digital currency application wallet from a bank wallet comprises:
the bank account access authentication module searches the binding relationship between the application wallet of the user and the bank wallet, and then sends the binding relationship to the user through the user access module;
and the bank account access authentication module releases the binding relationship between the digital currency application wallet of the user and the bank wallet according to the wallet unbinding confirmation information submitted by the user.
13. A computer-readable storage medium having computer instructions stored thereon, the computer instructions being executable by a computer or a computer system to cause the computer or computer system to perform the method of any one of claims 1 to 6.
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| CN110610360B (en) * | 2019-09-09 | 2022-03-18 | 飞天诚信科技股份有限公司 | Hardware wallet binding authorization method and device |
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| CN106096958A (en) * | 2016-05-27 | 2016-11-09 | 广州羊城通有限公司 | A kind of IC-card unbinds method with bank card |
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