CN108092778B - Method and system for inquiring related account based on digital currency wallet - Google Patents
Method and system for inquiring related account based on digital currency wallet Download PDFInfo
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- CN108092778B CN108092778B CN201711458365.9A CN201711458365A CN108092778B CN 108092778 B CN108092778 B CN 108092778B CN 201711458365 A CN201711458365 A CN 201711458365A CN 108092778 B CN108092778 B CN 108092778B
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures
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- G—PHYSICS
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
- G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
- G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
- H04L63/0823—Network architectures or network communication protocols for network security for authentication of entities using certificates
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- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/08—Key distribution or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
- H04L9/0861—Generation of secret information including derivation or calculation of cryptographic keys or passwords
- H04L9/0863—Generation of secret information including derivation or calculation of cryptographic keys or passwords involving passwords or one-time passwords
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3263—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving certificates, e.g. public key certificate [PKC] or attribute certificate [AC]; Public key infrastructure [PKI] arrangements
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Abstract
The invention discloses a method and a system for inquiring an associated account based on a digital currency wallet, and relates to the technical field of computers. One embodiment of the method comprises: the digital currency wallet terminal receives an associated account inquiry instruction of a user, signs the associated account inquiry instruction by using a wallet private key and then sends the signed associated account inquiry instruction to a wallet service organization; and the wallet service organization verifies the signed associated account inquiry command by using the certificate and then inquires according to the inquiry parameters to obtain an associated account inquiry result. The implementation mode can provide the service of inquiring the associated account for the user through the wallet service mechanism on the basis of the digital currency wallet terminal.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a system for inquiring an associated account based on a digital currency wallet.
Background
In the digital economy era, rapid development and rapid evolution of science and technology promote deep changes of social economy and industrial modes. Especially in the Internet industry and field, the innovation value and competitiveness brought by the technical driving force continuously and rapidly urge the generation of various innovation product forms and service capacities. A new round of technological innovation and technology upgrade is comprehensively spread, and the industrial change is deeply influenced.
At present, payment settlement methods around the world are greatly changed, and various electronic money, virtual digital money, digital money products and payment settlement services thereof are layered endlessly. The digital currency wallet is a digital currency product, and can meet the application requirements of safer and more convenient digital currency products in the digital economy era.
The prior art money purses have three types:
1. the electronic or digital wallet based on the account system is an extension of the account function, even only one entrance or medium for account access, and the wallet is not an independent wallet but depends on the original account system, so that the transaction in which the wallet participates is only the transaction of the original account system, namely the wallet does not actually store any actual fund or asset and is only used as the front-end display of the accounting data and functions of the background account system;
2. the electronic wallet which is used as an aggregation entrance for accessing the bank card or other card media is only the aggregation management of the card functions, the wallet does not have the functions of direct fund operation and transaction processing, the realization of the functions also needs to call the network application function of a corresponding certain card, namely the wallet payment and other functions are not realized, but the network payment entrance functions of a plurality of cards are encapsulated, the access of a single entrance is realized, and the complexity of the multi-card operation of a user is simplified;
3. private quasi-digital currency purses, such as bitcoin purses, which are developed based on blockchain technology, are mainly used for keeping private keys and signing the private quasi-digital currency recorded on the blockchain, namely, the purses are similar to address or key safekeeping boxes and do not have the function of storing funds or assets; meanwhile, the wallet is completely anonymous, and anyone can generate a new wallet address and transfer the digital assets to any address through a private key, and the digital assets cannot be recovered once the transfer target is wrong.
In the process of implementing the invention, the inventor finds that at least the following problems exist in the prior art:
because digital currency may be embodied or carried in a digital currency wallet, the prior art lacks a method of accessing an associated account through a digital currency wallet and also lacks a method of querying an associated account based on a digital currency wallet.
Disclosure of Invention
In view of the above, embodiments of the present invention provide a method and a system for querying an associated account based on a digital money wallet, which can provide a service for querying the associated account for a user through a wallet service entity on the basis of a digital money wallet terminal.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of inquiring about an associated account based on a digital money wallet.
The method for inquiring the associated account based on the digital currency wallet comprises the following steps: the digital currency wallet terminal receives an associated account inquiry instruction of a user, signs the associated account inquiry instruction by using a wallet private key and then sends the signed associated account inquiry instruction to a wallet service organization; the related account inquiry instruction carries a certificate and an inquiry parameter; and the wallet service organization verifies the signed associated account inquiry command by using the certificate and then inquires according to the inquiry parameters to obtain an associated account inquiry result.
Optionally, the receiving, by the digital money wallet terminal, the associated account inquiry instruction of the user includes: when a user logs in the digital money wallet terminal, the terminal wallet contract function execution module sends a query instruction list and the summary information of the digital money wallet of the user to the terminal security module of the digital money wallet terminal; wherein the digital money wallet summary information comprises a digital money wallet owner name, a digital money wallet service authority name, a digital money wallet type, a current deposited valid currency balance, or a current deposited valid currency total number; the inquiry instruction list comprises the associated account inquiry instruction, a transaction detail inquiry instruction and a digital currency detail inquiry instruction; and the terminal security module displays the query instruction list to a user and receives the associated account query instruction of the user.
Optionally, signing the associated account inquiry command by using the wallet private key and sending the signed associated account inquiry command to the wallet service authority includes: the terminal security module signs the associated account inquiry instruction by using the wallet private key to obtain the signed associated account inquiry instruction; the terminal security module sends the signed associated account inquiry instruction to the terminal wallet contract function execution module; and the terminal wallet contract function execution module verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to the wallet service authority after the verification is passed.
Optionally, the verifying, by the wallet service entity, the signature of the signed associated account query instruction by using the certificate, and then querying according to the query parameter to obtain an associated account query result includes: the wallet service system of the wallet service organization verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to an account core system of the wallet service organization after the verification is passed; the account core system verifies the signature of the signed associated account query instruction by using the certificate, and queries according to the query parameters after the verification is passed so as to obtain an associated account query result; wherein the associated account query result comprises: wallet identification, account number, account name, or account balance.
Optionally, after obtaining the result of the associated account query, the method further includes: the account core system adds an account core system signature to the associated account query result and returns the account core system signature to the wallet service system; the wallet service system returns the associated account inquiry result to the terminal wallet contract function execution module; and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
To achieve the above object, according to still another aspect of the embodiments of the present invention, there is provided a system for inquiring an associated account based on a digital money wallet.
The system for inquiring the associated account based on the digital money wallet comprises a digital money wallet terminal and a wallet service mechanism, wherein: the digital currency wallet terminal is used for receiving an associated account inquiry instruction of a user, signing the associated account inquiry instruction by using a wallet private key and then sending the signed associated account inquiry instruction to the wallet service institution; the related account inquiry instruction carries a certificate and an inquiry parameter; and the wallet service organization is used for verifying the signed associated account inquiry command by using the certificate and then inquiring according to the inquiry parameters to obtain an associated account inquiry result.
Optionally, the digital money wallet terminal comprises a terminal wallet contract function execution module and a terminal security module, wherein: the terminal wallet contract function execution module is used for sending a query instruction list and the summary information of the digital money wallet of the user to the terminal security module when the user logs in the terminal of the digital money wallet; wherein the digital money wallet summary information comprises a digital money wallet owner name, a digital money wallet service authority name, a digital money wallet type, a current deposited valid currency balance or a currency total number; the inquiry instruction list comprises the associated account inquiry instruction, a transaction detail inquiry instruction and a digital currency detail inquiry instruction; and the terminal security module is used for displaying the query instruction list to a user and receiving the associated account query instruction of the user.
Optionally, the terminal security module is further configured to sign the associated account query instruction by using the wallet private key to obtain the signed associated account query instruction, and send the signed associated account query instruction to the terminal wallet contract function execution module; the terminal wallet contract function execution module is further used for verifying the signature of the signed associated account inquiry command by using the certificate, and sending the signed associated account inquiry command to the wallet service organization after the verification is passed.
Optionally, the wallet service authority comprises a wallet service system and an account core system, wherein: the wallet service system is used for verifying the signature of the signed associated account query instruction by using the certificate and sending the signed associated account query instruction to the account core system after the verification is passed; the account core system is used for verifying the signature of the signed associated account query instruction by using the certificate, and querying according to the query parameters after the signature passes verification to obtain an associated account query result; wherein the associated account query result comprises: wallet identification, account number, account name, or account balance.
Optionally, the account core system adds an account core system signature to the associated account query result and returns the account core system signature to the wallet service system; the wallet service system returns the associated account inquiry result to the terminal wallet contract function execution module; and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided a computer-readable storage medium.
A computer-readable storage medium of an embodiment of the present invention has stored thereon a computer program that, when executed by a processor, implements a method of querying an associated account based on a digital money wallet of an embodiment of the present invention.
One embodiment of the above invention has the following advantages or benefits: because the technical means of inquiring the wallet service mechanism according to the associated account inquiry instruction of the user on the basis of the digital money wallet terminal is adopted, the technical problems that the prior art lacks a method for accessing the associated account through the digital money wallet, cannot inquire the associated account on the basis of the digital money wallet and the like are solved, a complete security protection mechanism of key and certificate signature is established on the basis of meeting the security requirement, a function of inquiring the account associated with the digital money wallet is provided on the basis, and the wide application of the digital money is facilitated.
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 the main steps of a method of querying an associated account based on a digital money wallet according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of the main modules of a system for querying an associated account based on a digital money wallet, according to an embodiment of the present invention;
fig. 3 is a schematic diagram of an implementation framework of a method for querying an associated account based on a digital money wallet according to an embodiment of the present invention.
Detailed Description
Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, in which various details of embodiments of the invention are included to assist understanding, and which are to be considered as merely exemplary. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted in the following description for clarity and conciseness.
The embodiment of the invention provides a brand-new method for inquiring the associated account based on the digital currency wallet by combining the driving factors of more effective system interconnection and integration brought by the electronization and networking of financial infrastructure, the gradual formation of new digital currency supported by block chain-based brand-new digital currency and digital asset technology, and the like.
The digital money wallet terminal in the embodiment of the invention is a carrier for actually storing encrypted digital money, the digital money in the form of encrypted strings is actually stored in the digital money wallet terminal, and the digital money wallet can directly transfer money between purses.
The digital money wallet terminal in the embodiment of the invention is based on digital money with an encryption technology as a core, so that the digital money wallet terminal is different from an electronic wallet based on an account system; moreover, the digital money wallet terminal emphasizes the wallet deployed by the terminal, and is not based on a front-end display and operation interface outside a network core accounting system, and the digital money wallet terminal provides completely localized independent wallet operation and function support based on a local security module and an operation system provided by a terminal operation environment (such as a mobile terminal and the like); and the digital money wallet terminal must also meet the management requirements of the digital money issuing institution and communicate with the existing account system to realize the integration with the financial infrastructure. Namely, the digital currency wallet terminal provided by the embodiment of the invention is different from an account-based wallet and a token wallet which is like bitcoin and is not worth supported and managed by an issuing mechanism, and can really replace the traditional physical currency, complete payment and support other financial and commercial requirements and digital entity wallets applied to digital currency.
The terminal of the digital currency wallet in the embodiment of the invention can meet the requirements of a digital currency issuing mechanism, can be in butt joint with a digital currency issuing mechanism system, and is a terminal wallet really oriented to encrypted digital currency.
The digital money wallet terminal provided by the embodiment of the invention can realize the association and communication between the digital money wallet and the traditional account system, solves the problem of the isolation between the traditional account and the existing block chain token, is favorable for the integration of the digital money and the existing financial infrastructure, realizes the non-differential experience and smooth transition of terminal application, is convenient for communication in various scenes, and is favorable for the wide application of the digital money.
The digital money wallet terminal provided by the embodiment of the invention adopts a brand-new complete terminal wallet security protection mechanism, and is embodied in the basic security protection of key management, identity authentication, certificate signing and the like and the security protection aiming at the whole operation process of the digital money wallet terminal, so that the operation processes of user inquiry and the like are safer, and the security protection capability of the digital money wallet terminal is greatly improved.
It should be noted that the embodiments of the present invention and the technical features of the embodiments may be combined with each other without conflict.
Fig. 1 is a schematic diagram of the main steps of a method of querying an associated account based on a digital money wallet according to an embodiment of the present invention.
As shown in fig. 1, the method for querying an associated account based on a digital money wallet of the embodiment of the present invention mainly includes the following steps:
step S101: and the digital currency wallet terminal receives the associated account inquiry command of the user, signs the associated account inquiry command by using a wallet private key and then sends the signed associated account inquiry command to the wallet service organization.
In order to overcome the technical problems that the money wallet in the prior art has no mechanism for interacting with or accessing the digital money issuing mechanism and lacks a method for inquiring the digital money associated account, the embodiment of the invention provides that the wallet service mechanism is inquired according to the associated account inquiry instruction of the user, so that the user can inquire the related information of the associated account based on the digital money wallet.
When the digital money wallet terminal receives the associated account inquiry instruction of the user, the digital money wallet terminal signs the associated account inquiry instruction by using a wallet private key and sends the signed associated account inquiry instruction to the wallet service institution.
It should be noted that the associated account inquiry command may include a certificate and an inquiry parameter, and may further include a digital money wallet terminal identifier, where the inquiry parameter refers to a condition of the inquiry. When a user opens the digital money wallet, the digital money wallet terminal generates a key pair containing a private key and a public key in the terminal security module, carries the public key and wallet information in a request for generating a certificate and sends the request to the CA center to generate the certificate based on the public key, and the certificate can be used for identity verification.
In the embodiment of the invention, after a user logs in a digital money wallet terminal, a terminal wallet contract function execution module sends a query instruction list and digital money wallet summary information of the user to a terminal security module of the digital money wallet terminal; and the terminal security module displays a query instruction list to the user and receives a related account query instruction of the user.
Wherein, the terminal security module can call other hardware resources of the digital money wallet terminal to display the inquiry instruction list to the user, such as a screen of the digital money wallet terminal. The digital money wallet profile information may include information such as the digital money wallet owner name, the digital money wallet service name, the digital money wallet type (e.g., enterprise wallet, personal wallet, etc.), the current deposited valid balance or the current deposited valid total; the query instruction list may include an associated account query instruction, a transaction detail query instruction, a digital currency detail query instruction, and the like.
After receiving the associated account inquiry command of the user, the terminal security module can sign the associated account inquiry command by using the wallet private key and send the signed associated account inquiry command to the wallet service mechanism through the terminal wallet contract function execution module. In addition, to ensure the integrity of the access audit record of the digital currency wallet terminal, the terminal wallet contract function execution module verifies the signature of the signed associated account inquiry command with a certificate before sending the signed associated account inquiry command to the wallet service authority. In the embodiment of the present invention, signing the associated account inquiry command with the wallet private key and sending the signed associated account inquiry command to the wallet service entity may include: the terminal security module signs the associated account inquiry command by using a wallet private key to obtain a signed associated account inquiry command; the terminal security module sends the signed associated account inquiry instruction to the terminal wallet contract function execution module; and the terminal wallet contract function execution module verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to the wallet service organization after the verification is passed.
In addition, the terminal security module can be used for providing security management, so that a secure bottom-layer operating environment is provided for a user.
Step S102: and the wallet service organization verifies the signed associated account inquiry command by using the certificate and then inquires according to the inquiry parameters to obtain an associated account inquiry result.
The wallet service is a platform for providing services related to digital money to a user, and may be provided by an existing bank, or may be provided by a service provider designated by a digital money issuing and registering authority, and may provide services for inquiring an account associated with a digital money wallet to the user.
In order to ensure the network information security of the user and the wallet service organization, the wallet service organization can verify the signature of the signed associated account inquiry command by using the certificate before inquiring according to the inquiry parameters.
In the embodiment of the present invention, step S102 may be implemented by the following method: the wallet service system of the wallet service organization verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to an account core system of the wallet service organization after the verification is passed; and the account core system verifies the signature of the signed associated account query instruction by using the certificate, and queries according to the query parameters after the verification is passed so as to obtain an associated account query result.
In order to ensure the integrity of the access audit record of the wallet service organization and the network information security of the user, the account core system can inquire the user according to the inquiry parameters carried in the inquiry command of the associated account after verifying the signed inquiry command of the associated account, thereby obtaining the inquiry result of the associated account. Wherein, the correlation account inquiry result comprises: the method comprises the following steps of identifying wallet information, account numbers, account names, account balances and the like, wherein the account names can be provided for users in a controllable anonymous mode, and the controllable anonymous is the most important characteristic of legal digital currency and means that the legal digital currency can be traced back within the application range permitted by law.
It should be noted that the wallet service system is a platform for providing services for the digital money wallet terminal (i.e. providing services for the user) by the wallet service organization, and the wallet service system can verify information or instructions from the digital money wallet terminal, forward the related information or instructions to the account core system, and return information to the digital money wallet terminal; the account core system is an account system which is originally provided for the user by the wallet service mechanism integrating the wallet service mechanism, is used for realizing the communication between the wallet and the account, provides an integrated financial service platform based on the communication, and can provide the associated query service for the user.
In the embodiment of the present invention, after obtaining the query result of the associated account, the query result may be returned to the user and displayed to the user by the following method: the account core system adds an account core system signature for the associated account query result and returns the account core system signature to the wallet service system; the wallet service system returns the inquiry result of the associated account to the terminal wallet contract function execution module; and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
In addition, in order to ensure the network information security of the user, a secure channel is realized among the digital currency wallet terminal, the wallet service mechanism and the digital currency issuing and registering mechanism, the identity can be mutually authenticated and the encrypted transmission mode is adopted, and the authentication identity and the encryption can use a newly established authentication system, such as a self-established CA center, and the authentication identity and the encryption can be carried out by selecting a proper mode or an authentication system according to the industry specification.
According to the method for inquiring the associated account based on the digital money wallet, disclosed by the embodiment of the invention, as the technical means for inquiring the wallet service mechanism according to the associated account inquiry instruction of the user on the basis of the digital money wallet terminal is adopted, the technical problems that the prior art lacks a method for accessing the associated account through the digital money wallet, cannot inquire the associated account based on the digital money wallet and the like are solved, a complete security protection mechanism of a key and a certificate signature is established on the basis of meeting the security requirement, the function of inquiring the account associated with the digital money wallet is provided on the basis, and the wide application of the digital money is facilitated.
Fig. 2 is a schematic diagram of the main modules of a system for querying an associated account based on a digital money wallet according to an embodiment of the present invention.
As shown in fig. 2, the system 200 for associating accounts with digital money according to the embodiment of the present invention includes: a digital money wallet terminal 201 and a wallet service 202.
Wherein the content of the first and second substances,
the digital money wallet terminal 201 is configured to receive an associated account inquiry instruction of a user, sign the associated account inquiry instruction by using a wallet private key, and send the signed associated account inquiry instruction to the wallet service entity 202; the related account inquiry instruction carries a certificate and an inquiry parameter;
the wallet service authority 202 is configured to perform a query according to the query parameter after verifying the signed associated account query instruction by using the certificate to obtain an associated account query result.
In the embodiment of the present invention, the digital money wallet terminal 201 includes a terminal wallet contract function execution module and a terminal security module, wherein: the terminal wallet contract function execution module is used for sending a query instruction list and the summary information of the digital money wallet of the user to the terminal security module after the user logs in the digital money wallet terminal 201; the summary information of the digital currency wallet comprises information such as the name of a digital currency wallet owner, the name of a digital currency wallet service mechanism, the type of the digital currency wallet, the balance of currently stored valid coins or the total number of coins; the inquiry instruction list comprises the associated account inquiry instruction, the transaction detail inquiry instruction, the digital currency detail inquiry instruction and the like; and the terminal security module is used for displaying the query instruction list to a user and receiving the associated account query instruction of the user.
In addition, the terminal security module is further configured to sign the associated account inquiry instruction by using the wallet private key to obtain the signed associated account inquiry instruction, and send the signed associated account inquiry instruction to the terminal wallet contract function execution module; the terminal wallet contract function execution module is further configured to verify a signature of the signed associated account inquiry command by using the certificate, and send the signed associated account inquiry command to the wallet service authority 202 after the verification is passed.
In an embodiment of the present invention, the wallet service authority 202 includes a wallet service system and an account core system, wherein: the wallet service system is used for verifying the signature of the signed associated account query instruction by using the certificate and sending the signed associated account query instruction to the account core system after the verification is passed; the account core system is used for verifying the signature of the signed associated account query instruction by using the certificate, and querying according to the query parameters after the signature passes verification to obtain an associated account query result; the related account query result comprises a wallet identifier, an account number, an account name, an account balance and the like.
In the embodiment of the invention, the account core system returns the associated account query result to the wallet service system; the wallet service system adds an account core system signature to the associated account query result and returns the account core system signature to the terminal wallet contract function execution module; and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
According to the system for inquiring the associated account based on the digital money wallet, disclosed by the embodiment of the invention, as the technical means of inquiring the wallet service mechanism according to the associated account inquiry instruction of the user on the basis of the digital money wallet terminal is adopted, the technical problems that the prior art lacks a method for accessing the associated account through the digital money wallet, cannot inquire the associated account based on the digital money wallet and the like are solved, a complete security protection mechanism of a key and a certificate signature is established on the basis of meeting the security requirement, the function of inquiring the account associated with the digital money wallet is provided on the basis, and the wide application of the digital money is facilitated.
Fig. 3 is a schematic diagram of an implementation framework of a method for querying an associated account based on a digital money wallet according to an embodiment of the present invention.
As shown in fig. 3, the digital money wallet terminal in the embodiment of the present invention directly provides the user with a service of inquiring about the digital money associated account. The digital currency wallet terminal comprises a terminal wallet contract function execution module and a terminal security module; the wallet service mechanism comprises a wallet service system and an account core system; the digital money issuing and registering institution includes a certification center. When a user opens a digital currency wallet, a digital currency wallet terminal generates a local public key and a wallet private key pair, then the public key and wallet information are sent to a wallet service mechanism, the wallet service mechanism generates a wallet identifier according to the public key, and then the public key and the wallet identifier are sent to a certificate authority of a digital currency issuing and registering mechanism to generate a certificate. The certificate authority of the digital money issuing and registering authority returns the certificate to the wallet service authority, and the wallet service authority returns the certificate to the digital money wallet terminal. The method for inquiring the digital currency associated account specifically comprises the following steps:
step 301: the user logs on to the digital money wallet terminal.
Step 302: the terminal wallet contract function execution module transmits the inquiry instruction list and the digital money wallet summary information of the user to the terminal security module.
The digital money wallet summary information may include information such as a digital money wallet owner name, a digital money wallet service name, a digital money wallet type, a current deposited valid money balance or a current deposited valid money total number; and the query instruction list may include an associated account query instruction, a transaction detail query instruction, a digital currency detail query instruction, and the like.
Step 303: and the terminal security module displays the inquiry instruction list to the user.
Step 304: and receiving an associated account inquiry instruction of the user.
After receiving the associated account inquiry command of the user, the terminal security module signs the associated account inquiry command by using the wallet private key to obtain the signed associated account inquiry command.
Step 305: and the terminal security module sends the signed associated account inquiry instruction to the terminal wallet contract function execution module.
Step 306: and the terminal wallet contract function execution module calls the signature module to verify the signature of the associated account inquiry command, and sends the signed associated account inquiry command to the wallet service system after the verification is passed.
Step 307: and the wallet service system verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to the account core system after the verification is passed.
Step 308: and the account core system verifies the signature of the signed associated account query instruction by using the certificate, queries according to the query parameters carried in the associated account query instruction after the verification is passed to obtain an associated account query result, adds the account core system signature to the associated account query result and returns the associated account query result to the wallet service system.
The associated account query result comprises a wallet identifier, an account number, an account name, an account balance and the like, wherein the account name can be provided for the user in a controllable anonymous mode.
Step 309: and the wallet service system returns the inquiry result of the associated account to the terminal wallet contract function execution module.
Step 310: and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
From the above description, it can be seen that the technical means of querying the wallet service organization according to the associated account query instruction of the user on the basis of the digital money wallet terminal is adopted, so that the technical problems that the prior art lacks a method for accessing the associated account through the digital money wallet, cannot query the associated account on the basis of the digital money wallet and the like are solved, a complete security protection mechanism of key and certificate signature is established on the basis of meeting the security requirement, a function of querying the account associated with the digital money wallet is provided on the basis, and the wide application of the digital money is facilitated.
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 (9)
1. A method for querying an associated account based on a digital money wallet, comprising:
after a user logs in a digital money wallet terminal, a terminal wallet contract function execution module sends a query instruction list and digital money wallet summary information of the user to a terminal security module of the digital money wallet terminal; wherein the digital money wallet summary information comprises a digital money wallet owner name, a digital money wallet service authority name, a digital money wallet type, a current deposited valid currency balance, or a current deposited valid currency total number; the inquiry instruction list comprises the associated account inquiry instruction, a transaction detail inquiry instruction and a digital currency detail inquiry instruction;
the terminal security module displays the query instruction list to a user and receives a related account query instruction of the user;
the digital currency wallet terminal signs the related account inquiry instruction by using a wallet private key and then sends the signed related account inquiry instruction to a wallet service organization; the related account inquiry instruction carries a certificate and an inquiry parameter;
the wallet service organization verifies the signed associated account inquiry command by using the certificate and then inquires according to the inquiry parameters to obtain an associated account inquiry result;
the digital currency wallet terminal is a carrier for storing encrypted digital currency; digital money in the form of an encryption string is stored in the digital money wallet terminal.
2. The method of claim 1, wherein signing the associated account inquiry instructions with a wallet private key and sending the signed associated account inquiry instructions to a wallet service authority comprises:
the terminal security module signs the associated account inquiry instruction by using the wallet private key to obtain the signed associated account inquiry instruction;
the terminal security module sends the signed associated account inquiry instruction to the terminal wallet contract function execution module;
and the terminal wallet contract function execution module verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to the wallet service authority after the verification is passed.
3. The method of claim 1, wherein the wallet serving authority verifying the signature of the signed associated account query instruction by using the certificate and then querying according to the query parameter to obtain an associated account query result comprises:
the wallet service system of the wallet service organization verifies the signature of the signed associated account inquiry command by using the certificate, and sends the signed associated account inquiry command to an account core system of the wallet service organization after the verification is passed;
the account core system verifies the signature of the signed associated account query instruction by using the certificate, and queries according to the query parameters after the verification is passed so as to obtain an associated account query result; wherein the associated account query result comprises: wallet identification, account number, account name, or account balance.
4. The method of claim 3, further comprising, after obtaining the associated account query result:
the account core system adds an account core system signature to the associated account query result and returns the account core system signature to the wallet service system;
the wallet service system returns the associated account inquiry result to the terminal wallet contract function execution module;
and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
5. A system for inquiring about an associated account based on a digital money wallet, comprising a digital money wallet terminal and a wallet serving authority, wherein:
after a user logs in a digital money wallet terminal, a terminal wallet contract function execution module in the digital money wallet terminal is used for sending a query instruction list and digital money wallet summary information of the user to a terminal security module of the digital money wallet terminal; wherein the digital money wallet summary information comprises a digital money wallet owner name, a digital money wallet service authority name, a digital money wallet type, a current deposited valid currency balance, or a current deposited valid currency total number; the inquiry instruction list comprises the associated account inquiry instruction, a transaction detail inquiry instruction and a digital currency detail inquiry instruction;
the terminal security module is used for displaying the query instruction list to the user and receiving the associated account query instruction of the user,
the digital currency wallet terminal is further used for signing the associated account inquiry instruction by using a wallet private key and then sending the signed associated account inquiry instruction to the wallet service institution; the related account inquiry instruction carries a certificate and an inquiry parameter;
the wallet service organization is used for verifying the signed associated account inquiry command by using the certificate and then inquiring according to the inquiry parameters to obtain an associated account inquiry result;
the digital currency wallet terminal is a carrier for storing encrypted digital currency; digital money in the form of an encryption string is stored in the digital money wallet terminal.
6. The system of claim 5,
the terminal security module is further used for signing the associated account query instruction by using the wallet private key to obtain the signed associated account query instruction, and sending the signed associated account query instruction to the terminal wallet contract function execution module;
the terminal wallet contract function execution module is further used for verifying the signature of the signed associated account inquiry command by using the certificate, and sending the signed associated account inquiry command to the wallet service organization after the verification is passed.
7. The system of claim 5, wherein the wallet service authority comprises a wallet service system and an account core system, wherein:
the wallet service system is used for verifying the signature of the signed associated account query instruction by using the certificate and sending the signed associated account query instruction to the account core system after the verification is passed;
the account core system is used for verifying the signature of the signed associated account query instruction by using the certificate, and querying according to the query parameters after the signature passes verification to obtain an associated account query result; wherein the associated account query result comprises: wallet identification, account number, account name, or account balance.
8. The system of claim 7,
the account core system adds an account core system signature to the associated account query result and returns the account core system signature to the wallet service system;
the wallet service system returns the associated account inquiry result to the terminal wallet contract function execution module;
and the terminal wallet contract function execution module receives and verifies the signature of the account core system and then displays the related account inquiry result to the user.
9. 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 4.
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