CN108229938B - Method and system for opening digital currency wallet - Google Patents
Method and system for opening digital currency wallet Download PDFInfo
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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
- H04L9/08—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 opening a digital currency wallet, and relates to the technical field of computers. One embodiment of the method comprises: the digital currency wallet terminal generates a key pair according to the received request for generating the key pair and sends a public key in the key pair to a wallet facilitator; the wallet facilitator generates a wallet mark according to the received public key and sends the public key and the wallet mark to a digital currency issuing and registering organization; the digital currency issuing and registering mechanism generates a digital certificate according to the public key and the wallet identifier and sends the digital certificate to a wallet facilitator; the wallet facilitator sends the digital certificate, the wallet identifier and the wallet contract code address to the digital money wallet terminal, and creates a digital money wallet according to an opening request returned by the digital money wallet terminal; and sending a registration request to the digital money issuing and registering institution; the digital currency issuing and registering organization registers the wallet identification and the wallet certificate according to the received registration request.
Description
Technical Field
The invention relates to the technical field of computers, in particular to a method and a system for opening a digital currency wallet.
Background
Digital currency is legal currency represented by a series of character strings in which the security of the digital currency is protected by cryptographic algorithms. At present, digital currency is generally considered legal currency issued by or authorized for issuance by a central bank, in the form of an encrypted digital string representing a specific amount, including the amount of the digital currency, an issuer identification, and an owner identification. Digital currency builds on the platform of today's mature computer technology and internet technology, and is today issued by central banks as the core system of digital currency and enters the field of circulation.
The existing electronic or digital wallets are all based on an account system, the function of the wallet is an extension of the account function, which is only one entrance or medium for account access, and the transactions that the wallets take part in are actually the transactions of a back account system, and the wallet does not actually store any actual funds or assets, but only serves as a front-end display of the accounting data and functions of a background account system. Thus, none of these wallets are stand-alone wallets, but rely on the original account system.
Moreover, the existing digital wallet and digital currency issuing mechanism have no interaction and access mechanism between systems, so that the digital currency issued by the digital currency issuing mechanism cannot be supported; in addition, the whole functions of the complete digital currency wallet entity based on the terminal environment cannot be comprehensively realized, including the functions of complete key security authentication with high security level at the bottom layer, actual storage and keeping of digital currency, direct transfer of the digital currency between purses and the like; the existing wallet is too dependent on mechanisms such as wallet service providers or commercial banks in the aspect of key management, the wallet is insufficient in safety, and a localized safety technology is not fully utilized; private quasi-digital currency wallets using bitcoin as tokens, which are simply key management and not associated with a true identity, do not integrate with existing financial infrastructure and do not lend themselves well to existing financial services and transaction scenarios.
Disclosure of Invention
In view of the above, embodiments of the present invention provide a method and system for opening a digital money wallet, which can open a digital money wallet through a wallet facilitator, sign a digital money wallet contract on a digital money wallet terminal, bind the wallet with an account, and register the opened wallet information with a digital money issuing and registering authority.
To achieve the above object, according to an aspect of an embodiment of the present invention, there is provided a method of opening a digital money wallet.
The method for opening the digital currency wallet comprises the following steps: the digital currency wallet terminal generates a key pair according to the received request for generating the key pair and sends a public key in the key pair to a wallet facilitator; the wallet facilitator generates a wallet identifier according to the received public key and sends the public key and the wallet identifier to a digital currency issuing and registering organization; the digital currency issuing and registering mechanism generates a digital certificate according to the public key and the wallet mark and sends the digital certificate to the wallet facilitator; the wallet facilitator sends the digital certificate, wallet identification and wallet contract code address to the digital money wallet terminal and creates a digital money wallet according to an opening request returned by the digital money wallet terminal; and sending a registration request to the digital money issuance registration authority; and the digital currency issuing and registering mechanism registers the wallet identification and the wallet certificate according to the received registration request.
Optionally, before the digital money wallet terminal generates the key pair according to the received request for generating the key pair, the method further includes: the digital currency wallet terminal confirms that the user access information is legal according to the request of opening the digital currency wallet of the user, and sends the request of opening the digital currency wallet of the user to a wallet facilitator; and the wallet facilitator confirms that the user account information is legal, and then sends a request for generating a key pair to the digital currency wallet terminal.
Optionally, the step of the wallet facilitator sending the digital certificate, wallet identity and wallet contract code address to the digital currency wallet terminal comprises: the wallet facilitator generates an installation instruction and sends the installation instruction to the digital currency wallet terminal; wherein the installation instruction comprises a wallet service protocol and wallet contract attribute information, and the wallet contract attribute information comprises a wallet identifier and a digital certificate; the digital currency wallet terminal signs the received installation instruction to generate a signed installation instruction and returns the signed installation instruction to the wallet facilitator; the wallet service provider signs the wallet contract code address and the wallet contract attribute information if the installation instruction of the signature is determined to be legal; sending the signed wallet contract code address and wallet contract attribute information to the digital currency wallet terminal.
Optionally, the steps of creating a digital money wallet according to an opening request returned from the digital money wallet terminal, and sending a registration request to the digital money issuance registration authority include: the digital currency wallet terminal confirms that the signed wallet contract code address has validity, and downloads the contract code according to the signed wallet contract code address; and signing the signed wallet contract attribute information to generate two-party signed wallet contract attribute information, sending an opening request containing the two-party signed wallet contract attribute information to the wallet facilitator; the wallet service provider confirms that the two-party signature wallet contract attribute information is legal, and then creates a digital currency wallet according to the two-party signature wallet contract attribute information; and sending a registration request including the two-party signing wallet contract attribute information to the digital currency issuing register.
Optionally, the wallet contract attribute information further includes a wallet contract code hash value; and after the digital currency wallet terminal downloads the contract code according to the signed wallet contract code address and before signing the signed wallet contract attribute information, the method further comprises the following steps: and the digital currency wallet terminal confirms that the downloaded contract code is correct according to the wallet contract code hash value.
Optionally, after the creating the digital money wallet, further comprising: the created digital money wallet is associated with account information of the user.
Optionally, after the wallet facilitator sends a registration request to the digital money issuance registration authority, before the digital money issuance registration authority registers the wallet id and wallet certificate according to the received registration request, the method further includes: the digital money issuance registration authority confirms that the received registration request is legitimate.
Optionally, after the digital currency issuance registration authority registers and registers the wallet id and the wallet certificate, the method further includes: the digital money issuance registration authority sends a notification of successful provisioning to the digital money wallet terminal through the wallet facilitator; the digital money wallet terminal binds the opened digital money wallet with the stored private key, and sets a contract code of the digital money wallet to be executable.
To achieve the above object, according to another aspect of an embodiment of the present invention, there is provided a system for opening a digital money wallet.
The system for opening the digital currency wallet of the embodiment of the invention comprises: a digital money wallet terminal, a wallet facilitator, and a digital money issuing/registering authority; the digital currency wallet terminal is used for generating a key pair according to a received request for generating the key pair and sending a public key in the key pair to a wallet facilitator; the wallet facilitator is used for generating a wallet identifier according to the received public key and sending the public key and the wallet identifier to a digital currency issuing and registering mechanism; and sending the digital certificate, wallet identity and wallet contract code address to the digital money wallet terminal, and creating a digital money wallet according to an opening request returned by the digital money wallet terminal; and sending a registration request to the digital money issuance registration authority; the digital currency issuing and registering mechanism is used for generating a digital certificate according to the public key and the wallet identifier and sending the digital certificate to the wallet facilitator; and registering the wallet identification and the wallet certificate according to the received registration request.
Optionally, the digital money wallet terminal is further configured to, if it is determined that the user access information is valid according to the request for opening the digital money wallet by the user, send a request for opening the digital money wallet by the user to the wallet facilitator; the wallet facilitator is further configured to send a request to generate a key pair to the digital money wallet terminal if it is determined that the user account information is legitimate.
Optionally, the wallet facilitator is further configured to generate an installation instruction and send the installation instruction to the digital money wallet terminal; wherein the installation instruction comprises a wallet service protocol and wallet contract attribute information, and the wallet contract attribute information comprises a wallet identifier and a digital certificate; and if the signed installation instruction is confirmed to be legal, signing the wallet contract code address and the wallet contract attribute information; sending the signed wallet contract code address and wallet contract attribute information to the digital currency wallet terminal; the digital currency wallet terminal is further configured to sign the received installation instruction to generate a signed installation instruction, and return the signed installation instruction to the wallet facilitator.
Optionally, the digital money wallet terminal is further configured to, if it is confirmed that the signed wallet contract code address is legitimate, download the contract code according to the signed wallet contract code address; and signing the signed wallet contract attribute information to generate two-party signed wallet contract attribute information, sending an opening request containing the two-party signed wallet contract attribute information to the wallet facilitator; the wallet facilitator is further configured to establish a digital currency wallet according to the two-party signature wallet contract attribute information if the two-party signature wallet contract attribute information is validated; and sending a registration request including the two-party signing wallet contract attribute information to the digital currency issuing register.
Optionally, the wallet contract attribute information further includes a wallet contract code hash value; and the digital currency wallet terminal is further used for confirming that the downloaded contract code is error-free according to the wallet contract code hash value.
Optionally, the wallet facilitator is further configured to associate the created digital currency wallet with account information of the user.
Optionally, the digital money issuance registration authority is further configured to confirm that the received registration request is legitimate.
Optionally, the digital money issuance registration mechanism is further configured to transmit a notification of successful provisioning to the digital money wallet terminal through the wallet facilitator; the digital money wallet terminal is further configured to bind the opened digital money wallet with a stored private key, and set a contract code of the digital money wallet to be executable.
To achieve the above object, according to still another aspect of an embodiment of the present invention, there is provided an electronic device in which a digital money wallet is opened.
The electronic device for opening the digital money wallet of the embodiment of the invention comprises: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the method of digital money wallet provisioning of any one of the above.
One embodiment of the above invention has the following advantages or benefits: after the account identity of the wallet facilitator is logged in, the digital currency wallet is opened according to the account identity, a digital currency wallet contract is downloaded and signed and deployed on a digital currency wallet terminal, the wallet and the account are bound, and meanwhile, the opened wallet information is registered and registered in a digital currency issuing and registering mechanism. The embodiment can realize all functions of a complete digital currency wallet entity based on a terminal environment, including functions of a bottom layer complete key and an authentication security module with high security level, actual storage and keeping of digital currency, direct transfer of the digital currency between purses and the like; in addition, in the opening process, the key pair is generated by the digital currency wallet terminal, so that the wallet security can be ensured by fully utilizing the localized security technology without depending on mechanisms such as wallet service providers or commercial banks. Meanwhile, the created digital currency wallet is bound with the account, so that the integration with the existing financial infrastructure is realized, and the method can be well applied to the existing financial service and transaction scenes.
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 a main flow of a method of opening a digital money wallet according to an embodiment of the present invention;
FIG. 2 is a schematic diagram of a system implemented by a method of opening a digital currency wallet in accordance with an embodiment of the present invention;
fig. 3 is a schematic diagram of the main components of a system for opening 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 existing electronic or digital wallet is based on an account system, the function of the wallet is an extension of the account function, or the existing wallet is only one entrance or medium for account access. Thus, none of these wallets are stand-alone wallets, but rely on the original account system. Because of this, the transactions that these wallets participate in are actually transactions of the back account system, and the wallets themselves do not actually hold any actual funds or assets, but are simply exposed as a front end to the back-end account system accounting data and functions. The digital currency terminal wallet is a carrier for actually storing encrypted digital currency, the digital currency in the form of encrypted strings is recorded in the digital currency terminal wallet, and the digital currency is actually transferred among the digital currency terminal wallets. Moreover, some electronic wallets exist as an aggregation entrance for accessing bank cards or other card media, the wallet is just the aggregation management of card functions, and does not have functions such as actual wallet payment, and the like, but encapsulates the network payment entrance functions of a plurality of cards to realize single entrance access and simplify the complexity of multi-card operation of a user, and the wallet functions need to be realized by correspondingly calling the network application function of a specific card. Such a converged electronic wallet is not really a wallet having direct money handling and transaction processing functions, and thus is essentially different from a digital entity wallet, which is a digital money terminal wallet that actually holds money and can directly transfer money between wallets.
The wallet corresponding to the private quasi-digital currency is mainly used for storing a private key and performing signature transaction on the private quasi-digital currency recorded on the chain. Such a wallet may be more like an address, or key locker. Does not have the function of storing funds or assets itself. Meanwhile, the wallet is completely anonymous, anyone can generate a new wallet address and transfer the digital assets to any address through a private key, and once the transfer target is wrong, the digital assets cannot be recovered. The simplified wallet address or key safe box has the main function of keeping the key, and the digital currency terminal wallet can support the safe storage of the key and a series of safe authentication functions, and the digital currency terminal wallet is used as a carrier for storing the digital currency, and the direct digital currency can be directly and actually transferred between the wallets, so that the digital currency terminal wallet can be regarded as a digital currency entity wallet containing perfect keys and safe authentication functions. The basis of digital money terminal wallets is digital money with encryption technology as the core, and thus is different from electronic wallets based on an account system. While digital currency terminal wallets emphasize terminal-deployed wallets, rather than being based on a front-end presentation and operational interface outside of the network core accounting system, the terminal wallets provide fully localized standalone wallet operations and functional support based on a local security module and operating system provided by the terminal's operating environment (e.g., mobile terminal, etc.). Finally, the digital currency terminal wallet must also meet the management requirements of the digital currency issuing institution and communicate with the existing account system to achieve integration with the financial infrastructure. Thus, digital currency wallets are distinct from account-based wallets and from valueless support and issuer-managed token wallets like bitcoins, but are truly capable of replacing traditional physical currency, fulfilling payments and supporting other financial and commercial needs, digital-currency-oriented digital entity wallets.
Fig. 1 is a schematic diagram of a main flow of a method of opening a digital money wallet according to an embodiment of the present invention, and as shown in fig. 1, the method of opening a digital money wallet according to an embodiment of the present invention mainly includes:
step S101: the digital money wallet terminal generates a key pair according to the received request for generating the key pair, and transmits a public key of the key pair to the wallet facilitator. Before this step, the digital money wallet terminal confirms that the user access information is valid according to the user request for opening the digital money wallet, and transmits the user request for opening the digital money wallet to the wallet facilitator. And the wallet facilitator confirms that the user account information is legal, and sends a request for generating the key pair to the digital currency wallet terminal. And if the user access information or the user account information is verified to be not legal, stopping the operation of opening the digital money wallet.
Step S102: the wallet facilitator generates a wallet id from the received public key and sends the public key and wallet id to the digital currency issuing register.
Step S103: the digital currency issuing and registering organization generates a digital certificate according to the public key and the wallet mark and sends the digital certificate to the wallet facilitator.
Step S104: the wallet facilitator sends the digital certificate, the wallet identifier and the wallet contract code address to the digital money wallet terminal, and creates a digital money wallet according to an opening request returned by the digital money wallet terminal; and transmitting a registration request to the digital money issuing and registering institution. Specifically, the wallet facilitator generates an installation instruction and sends the installation instruction to the digital currency wallet terminal; the installation instruction comprises a wallet service protocol and wallet contract attribute information, wherein the wallet contract attribute information comprises a wallet identifier and a digital certificate. The wallet service provider stores the wallet service protocol, and acquires the stored wallet service protocol when the wallet service provider generates an installation instruction, thereby generating an installation instruction including the wallet service protocol and wallet contract attribute information. The digital currency wallet terminal signs the received installation instruction to generate a signed installation instruction and returns the signed installation instruction to the wallet facilitator; the wallet service provider signs the wallet contract code address and the wallet contract attribute information if the installation instruction of the signature is validated; the signed wallet contract code address and wallet contract attribute information is sent to the digital currency wallet terminal. The digital currency wallet terminal confirms that the signed wallet contract code address has validity, and downloads the contract code according to the signed wallet contract code address; signing the signed wallet contract attribute information to generate two-party signature wallet contract attribute information, and sending an opening request containing the two-party signature wallet contract attribute information to a wallet facilitator; if the wallet service provider confirms that the attribute information of the two-party signature wallet contract has validity, a digital currency wallet is created according to the attribute information of the two-party signature wallet contract; and sending a registration request including the two-party signature wallet contract attribute information to the digital currency issuing register. And, the wallet contract attribute information further includes a wallet contract code hash value; and after the digital currency wallet terminal downloads the contract code according to the signed wallet contract code address and before signing the signed wallet contract attribute information, further comprising: the digital currency wallet terminal confirms that the downloaded contract code is error-free based on the wallet contract code hash value. The digital money wallet terminal deploys the digital money wallet contract through the above-described procedure, and binds the digital money wallet contract with the key of the digital money wallet terminal.
After the digital money wallet is created, the wallet facilitator associates the created digital money wallet with account information of the user, and then after the digital money wallet is opened, the digital money in the account can be directly transferred into the wallet, or conversion between deposit in the account and the digital money in the wallet is realized.
Step S105: the digital currency issuing and registering organization registers the wallet identification and the wallet certificate according to the received registration request. The digital money issuance registration authority confirms that the received registration request is valid before registration, and stops the operation if it is verified that the received request is not valid. After the wallet identification and the wallet certificate are registered and registered by the digital currency issuing and registering organization, the wallet facilitator sends a notice of successful opening to the digital currency wallet terminal, and the digital currency wallet terminal binds the opened digital currency wallet with the stored private key and sets the contract code of the digital currency wallet to be executable.
Fig. 2 is a schematic diagram of a system for implementing a method for opening a digital money wallet according to an embodiment of the present invention. As shown in fig. 2, the system implemented by the method of opening a digital money wallet of the embodiment of the present invention includes a digital money wallet terminal, a wallet facilitator, and a digital money issuance registration authority. Wherein the digital money issuance registration institution is an institution eligible to issue digital money, the wallet facilitator is an institution eligible to provide a digital money wallet application service and is also eligible to provide an account service, and the digital money issuance registration institution and the wallet facilitator may be the same institution. In the embodiment of the invention, the digital currency wallet terminal comprises a terminal operating system and a terminal security module, the wallet facilitator comprises a facilitator authentication center, a wallet service system, a digital currency core system and an account core system, and the digital currency issuing and registering mechanism comprises an institution authentication center and a registering center. The terminal security module is mainly used for interacting with the information of the wallet service provider and ensuring the legality of the interactive information. Furthermore, the module division of the digital currency wallet terminal, the wallet facilitator and the digital currency issuing and registering authority in the embodiment of the invention does not constitute a limitation to the scope of the invention.
The system shown in fig. 2 implements a method of digital currency wallet opening of an embodiment of the present invention comprising the steps of:
1. a user sends a request for applying for opening digital currency to a terminal operating system of a digital currency wallet terminal;
2. the terminal operating system sends a request for verifying the user access information to the terminal security module;
3. after receiving a request for verifying user access information, the terminal security module displays an entry for inputting the user access information to a user, and then the user sends the user access information to the terminal security module through the entry, and then the terminal security module verifies the user access information, wherein the user access information includes but is not limited to: biological feature identification such as password, short message verification code, fingerprint identification or face identification, and other authentication media;
4. after confirming that the user access information is legal, the terminal security module sends a request for verifying the user account information to a service provider authentication center of a wallet service provider;
5. after receiving a request for verifying user account information, the service provider authentication center displays an entrance for inputting the user account information to the user, and then the user sends the user account information to the service provider authentication center through the entrance, so that the service provider authentication center verifies the user account information;
6. after confirming that the user account information is legal, the service provider authentication center sends a notice that the authentication is passed to the wallet service system;
7. after receiving the notice that the authentication is passed, the wallet service system receives a request for installing and opening a digital currency wallet sent by a user;
8. after receiving a request for installing and opening a digital currency wallet sent by a user, the wallet service system sends a request for generating a key pair to the terminal security module; after receiving the request for generating the key pair, the terminal security module generates a public key and a private key pair, and returns a public key in the key pair to the wallet service system;
9. the wallet service system sends a request for generating a digital certificate to the digital currency core system after receiving the public key generated by the terminal security module;
10. after receiving a request for generating a digital certificate, the digital currency core system sends the request to an organization certification center of a digital currency issuing and registering organization, the organization certification center generates the digital certificate according to the request for generating the digital certificate, the organization certification center returns the generated digital certificate to the digital currency core system, and the digital currency core system sends the certificate to a wallet service system;
11. the wallet service system generates an installation instruction after receiving the digital certificate generated by the digital currency issuing and registering mechanism, and sends the installation instruction to the terminal security module; the installation instruction comprises a wallet service protocol and wallet contract attribute information, wherein the wallet contract attribute information comprises a wallet identifier and a digital certificate;
12. after receiving the installation instruction, the terminal security module displays the wallet service protocol in the installation instruction to the user, the user confirms to continue installation through the displayed information, and sends a confirmation message to the terminal security module;
13. the terminal security module continues to install the digital currency wallet after receiving the confirmation message sent by the user, signs the received installation instruction to generate a signed installation instruction, and returns the signed installation instruction to the service system; after the wallet service system confirms that the signed installation instruction is legal, the wallet contract code address and the wallet contract attribute information are signed, wherein the wallet contract attribute information further comprises a contract code hash value. The wallet service system sends the signed wallet contract code address and the wallet contract attribute information to the terminal security module, and after the terminal security module confirms that the signed wallet contract code address is legal, the terminal security module downloads contract codes according to the signed wallet contract code address; and verifying that the downloaded contract code is error-free based on the contract code hash value. After confirming that the downloaded contract code is correct, the terminal security module signs the signed wallet contract attribute information to further generate two-party signed wallet contract attribute information, and after confirming that the downloaded contract code is correct, the terminal security module can bind the digital currency wallet contract with the secret key. And sending an provisioning request containing two-party signed wallet contract attribute information to the wallet service system. After confirming that the attribute information of the two-party signature wallet contract has validity, the wallet service system creates a digital money wallet according to the attribute information of the two-party signature wallet contract;
14. after the wallet service system creates the digital currency wallet, sending a registration request including two-party signature wallet contract attribute information to a digital currency core system, wherein the sent signature wallet contract attribute information includes wallet identification and a digital certificate;
15. the digital currency core system sends the registration request including the attribute information of the two-party signature wallet contract to an organization authentication center;
16. after receiving the registration request comprising the attribute information of the two-party signature wallet contract, the authority authentication center verifies the validity of the registration request; after confirming that the registration request is legal, requesting registration from a registration center, and registering the wallet identifier and the digital certificate in the two-party signature wallet contract attribute information by the registration center; after the registration is completed, sending a notice of the completion of the registration to the wallet service system through the agency certificate authority and the digital currency core system;
17. after receiving the notification of completion of registration, the wallet service system sends an account association request to the account core system, the account core system associates the created wallet with the account information of the user, and after the association is successful, the wallet service system returns a notification of successful association to the wallet service system;
18. the account core system successfully associates the created wallet with the account information of the user, the digital currency wallet is successfully opened, and the wallet service system sends a notice of successful wallet opening to the terminal security module;
19. the terminal security module associates the wallet with the user account and binds the opened wallet with the key after receiving the notice that the wallet is successfully opened, sets the contract code of the digital currency wallet as executable after the binding is successful, and sends the notice that the opening is successful to the terminal operating system;
20. and after receiving the notification of successful opening, the terminal operating system displays the successful opening to the user.
According to the technical scheme of the embodiment of the invention, after the account identity of the wallet facilitator is logged in, the digital currency wallet is opened according to the account identity, the digital currency wallet contract is downloaded and signed and deployed on the digital currency wallet terminal, the wallet and the account are bound, and the opened wallet information is registered and registered in the digital currency issuing and registering mechanism. The embodiment can realize all functions of a complete digital currency wallet entity based on a terminal environment, including functions of a bottom layer complete key and an authentication security module with high security level, actual storage and keeping of digital currency, direct transfer of the digital currency between purses and the like; in addition, in the opening process, the key pair is generated by the digital currency wallet terminal, so that the wallet security can be ensured by fully utilizing the localized security technology without depending on mechanisms such as wallet service providers or commercial banks. Meanwhile, the created digital currency wallet is bound with the account, so that the integration with the existing financial infrastructure is realized, and the method can be well applied to the existing financial service and transaction scenes.
Fig. 3 is a schematic diagram of the main components of a system for opening a digital money wallet according to an embodiment of the present invention. As shown in fig. 3, the system 300 for opening a digital money wallet according to an embodiment of the present invention mainly includes: a digital money wallet terminal 301, a wallet facilitator 302, and a digital money issuance registration authority 303.
And a digital money wallet terminal 301 for generating a key pair according to the received request for generating the key pair, and transmitting a public key of the key pair to the wallet facilitator.
A wallet facilitator 302 for generating a wallet id from the received public key and transmitting the public key and the wallet id to the digital money issuance registration authority; and sending the digital certificate, the wallet identity and the wallet contract code address to the digital money wallet terminal, and creating a digital money wallet according to an opening request returned by the digital money wallet terminal; and transmitting a registration request to the digital money issuing and registering institution.
A digital currency issuing and registering unit 303 configured to generate a digital certificate based on the public key and the wallet id, and send the digital certificate to the wallet facilitator; and registering the wallet identification and the wallet certificate according to the received registration request.
The digital money wallet terminal is also used for sending a request of opening the digital money wallet of the user to the wallet facilitator when the access information of the user is confirmed to be legal according to the request of opening the digital money wallet of the user. The wallet facilitator is further configured to send a request to generate a key pair to the digital money wallet terminal if it is determined that the user account information is legitimate.
The wallet facilitator is also used for generating an installation instruction and sending the installation instruction to the digital currency wallet terminal; the installation instruction comprises a wallet service protocol and wallet contract attribute information, wherein the wallet contract attribute information comprises a wallet identifier and a digital certificate; and signing the wallet contract code address and the wallet contract attribute information if the signed installation instruction is validated; the signed wallet contract code address and wallet contract attribute information is sent to the digital currency wallet terminal. The digital currency wallet terminal is further configured to sign the received installation instruction to generate a signed installation instruction, and return the signed installation instruction to the wallet facilitator.
The digital currency wallet terminal is also used for downloading contract codes according to the signed wallet contract code address if the signed wallet contract code address is determined to be legal; signing the signed wallet contract attribute information to generate two-party signature wallet contract attribute information, and sending an opening request containing the two-party signature wallet contract attribute information to a wallet facilitator; the wallet facilitator is also used for establishing a digital currency wallet according to the attribute information of the two-party signature wallet contract when the attribute information of the two-party signature wallet contract is determined to be legal; and sending a registration request including the two-party signature wallet contract attribute information to the digital currency issuing register. The wallet contract attribute information further includes a wallet contract code hash value; and the digital currency wallet terminal is also used for confirming that the downloaded contract code is error-free according to the wallet contract code hash value.
The wallet facilitator is also configured to associate the created digital currency wallet with account information for the user. And the digital money issuance registration mechanism is further configured to confirm that the received registration request is legitimate. The digital currency issuing and registering mechanism is also used for sending a notice of successful opening to the digital currency wallet terminal through the wallet facilitator; the digital money wallet terminal is also used for binding the opened digital money wallet with the stored private key and setting the contract code of the digital money wallet to be executable.
The digital money wallet terminal generates a key pair according to the received request for generating the key pair, and transmits a public key of the key pair to the wallet facilitator. Before this step, the digital money wallet terminal confirms that the user access information is valid according to the user request for opening the digital money wallet, and transmits the user request for opening the digital money wallet to the wallet facilitator. And the wallet facilitator confirms that the user account information is legal, and sends a request for generating the key pair to the digital currency wallet terminal. And if the user access information or the user account information is verified to be not legal, stopping the operation of opening the digital money wallet. The wallet facilitator generates a wallet id from the received public key and sends the public key and wallet id to the digital currency issuing register. The digital currency issuing and registering organization generates a digital certificate according to the public key and the wallet mark and sends the digital certificate to the wallet facilitator.
The wallet facilitator sends the digital certificate, the wallet identifier and the wallet contract code address to the digital money wallet terminal, and creates a digital money wallet according to an opening request returned by the digital money wallet terminal; and transmitting a registration request to the digital money issuing and registering institution. Specifically, the wallet facilitator generates an installation instruction and sends the installation instruction to the digital currency wallet terminal; the digital currency wallet terminal signs the received installation instruction to generate a signed installation instruction, and returns the signed installation instruction to the wallet facilitator. The installation instruction comprises a wallet service protocol and wallet contract attribute information, wherein the wallet contract attribute information comprises a wallet identifier and a digital certificate. The wallet service provider signs the wallet contract code address and the wallet contract attribute information if the installation instruction of the signature is validated; the signed wallet contract code address and wallet contract attribute information is sent to the digital currency wallet terminal. The digital currency wallet terminal confirms that the signed wallet contract code address has validity, and downloads the contract code according to the signed wallet contract code address; signing the signed wallet contract attribute information to generate two-party signature wallet contract attribute information, and sending an opening request containing the two-party signature wallet contract attribute information to a wallet facilitator; if the wallet service provider confirms that the attribute information of the two-party signature wallet contract has validity, a digital currency wallet is created according to the attribute information of the two-party signature wallet contract; and sending a registration request including the two-party signature wallet contract attribute information to the digital currency issuing register. And, the wallet contract attribute information further includes a wallet contract code hash value; and after the digital currency wallet terminal downloads the contract code according to the signed wallet contract code address and before signing the signed wallet contract attribute information, further comprising: the digital currency wallet terminal confirms that the downloaded contract code is error-free based on the wallet contract code hash value. After the digital money wallet is created, the wallet facilitator associates the created digital money wallet with account information of the user, and then after the digital money wallet is opened, the digital money in the account can be directly transferred into the wallet, or conversion between deposit in the account and the digital money in the wallet is realized.
The digital currency issuing and registering organization registers the wallet identification and the wallet certificate according to the received registration request. The digital money issuance registration authority confirms that the received registration request is valid before registration, and stops the operation if it is verified that the received request is not valid. After the wallet identification and the wallet certificate are registered and registered by the digital currency issuing and registering organization, the wallet facilitator sends a notice of successful opening to the digital currency wallet terminal, and the digital currency wallet terminal binds the opened digital currency wallet with the stored private key and sets the contract code of the digital currency wallet to be executable.
The embodiment of the invention also provides electronic equipment for opening the digital currency wallet. The electronic device for opening the digital money wallet of the embodiment of the invention comprises: one or more processors; a storage device for storing one or more programs which, when executed by the one or more processors, cause the one or more processors to implement the method of digital money wallet provisioning of any one of the above.
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 (15)
1. A method of opening a digital currency wallet, comprising:
the digital currency wallet terminal generates a key pair according to the received request for generating the key pair and sends a public key in the key pair to a wallet facilitator;
the wallet facilitator generates a wallet identifier according to the received public key and sends the public key and the wallet identifier to a digital currency issuing and registering organization;
the digital currency issuing and registering mechanism generates a digital certificate according to the public key and the wallet mark and sends the digital certificate to the wallet facilitator;
the wallet facilitator sends the digital certificate, wallet identification and wallet contract code address to the digital money wallet terminal and creates a digital money wallet according to an opening request returned by the digital money wallet terminal; and sending a registration request to the digital money issuance registration authority; the step of the wallet facilitator sending the digital certificate, wallet identity and wallet contract code address to the digital currency wallet terminal comprises: the wallet facilitator generates an installation instruction and sends the installation instruction to the digital currency wallet terminal; wherein the installation instruction comprises a wallet service protocol and wallet contract attribute information, and the wallet contract attribute information comprises a wallet identifier and a digital certificate; the digital currency wallet terminal signs the received installation instruction to generate a signed installation instruction and returns the signed installation instruction to the wallet facilitator; the wallet service provider signs the wallet contract code address and the wallet contract attribute information if the installation instruction of the signature is determined to be legal; sending the signed wallet contract code address and wallet contract attribute information to the digital currency wallet terminal; the digital currency wallet is used for carrying digital currency, and the digital currency is legal currency which takes an encrypted digital string representing specific amount as a representation form;
and the digital currency issuing and registering mechanism registers the wallet identification and the wallet certificate according to the received registration request.
2. The method according to claim 1, before the digital money wallet terminal generates the key pair according to the received request for generating the key pair, further comprising:
the digital currency wallet terminal confirms that the user access information is legal according to the request of opening the digital currency wallet of the user, and sends the request of opening the digital currency wallet of the user to a wallet facilitator;
and the wallet facilitator confirms that the user account information is legal, and then sends a request for generating a key pair to the digital currency wallet terminal.
3. The method according to claim 1, wherein the step of creating a digital money wallet according to an open request returned from the digital money wallet terminal, and the step of sending a registration request to the digital money issuance registration authority includes:
the digital currency wallet terminal confirms that the signed wallet contract code address has validity, and downloads the contract code according to the signed wallet contract code address; and signing the signed wallet contract attribute information to generate two-party signed wallet contract attribute information, sending an opening request containing the two-party signed wallet contract attribute information to the wallet facilitator;
the wallet service provider confirms that the two-party signature wallet contract attribute information is legal, and then creates a digital currency wallet according to the two-party signature wallet contract attribute information; and
sending a registration request including the two-party signing wallet contract attribute information to the digital currency issuing register.
4. The method of claim 3, wherein the wallet contract attribute information further includes a wallet contract code hash value; and
after the digital currency wallet terminal downloads the contract code according to the signed wallet contract code address and before signing the signed wallet contract attribute information, the method further comprises the following steps: and the digital currency wallet terminal confirms that the downloaded contract code is correct according to the wallet contract code hash value.
5. The method of claim 1, after said creating a digital currency wallet, further comprising: the wallet facilitator associates the created digital currency wallet with account information for the user.
6. The method according to claim 1, wherein, after the wallet facilitator sends a registration request to the digital-money-issuing/registering authority, before the digital-money-issuing/registering authority registers the wallet id and wallet certificate according to the received registration request, the method further comprises:
the digital money issuance registration authority confirms that the received registration request is legitimate.
7. The method according to claim 1, further comprising, after registering and registering the wallet id and the wallet certificate with a digital money issuance registration authority:
the digital money issuance registration authority sends a notification of successful provisioning to the digital money wallet terminal through the wallet facilitator;
the digital money wallet terminal binds the opened digital money wallet with the stored private key, and sets a contract code of the digital money wallet to be executable.
8. A system for opening a digital currency wallet is characterized by comprising a digital currency wallet terminal, a wallet facilitator and a digital currency issuing and registering mechanism; wherein the content of the first and second substances,
the digital currency wallet terminal is used for generating a key pair according to the received request for generating the key pair and sending a public key in the key pair to a wallet facilitator;
the wallet facilitator is used for generating a wallet identifier according to the received public key and sending the public key and the wallet identifier to a digital currency issuing and registering mechanism;
the digital currency issuing and registering mechanism is used for generating a digital certificate according to the public key and the wallet identifier and sending the digital certificate to the wallet facilitator;
the wallet facilitator is further used for sending the digital certificate, the wallet identifier and the wallet contract code address to the digital money wallet terminal and creating a digital money wallet according to an opening request returned by the digital money wallet terminal; and sending a registration request to the digital money issuance registration authority; the step of the wallet facilitator sending the digital certificate, wallet identity and wallet contract code address to the digital currency wallet terminal comprises: generating an installation instruction and sending the installation instruction to a digital currency wallet terminal; wherein the installation instruction comprises a wallet service protocol and wallet contract attribute information, and the wallet contract attribute information comprises a wallet identifier and a digital certificate;
the digital currency wallet terminal is further used for signing the received installation instruction to generate a signed installation instruction and returning the signed installation instruction to the wallet facilitator;
the wallet facilitator is also used for signing the wallet contract code address and the wallet contract attribute information if the installation instruction of the signature is determined to be legal; sending the signed wallet contract code address and wallet contract attribute information to the digital currency wallet terminal; the digital currency wallet is used for carrying digital currency, and the digital currency is legal currency which takes an encrypted digital string representing specific amount as a representation form;
the digital currency issuing and registering mechanism is also used for registering and registering the wallet identification and the wallet certificate according to the received registration request.
9. The system of claim 8,
the digital money wallet terminal is also used for confirming that the user access information is legal according to the request of opening the digital money wallet of the user, and sending the request of opening the digital money wallet of the user to the wallet facilitator;
the wallet facilitator is further configured to send a request to generate a key pair to the digital money wallet terminal if it is determined that the user account information is legitimate.
10. The system of claim 8,
the digital currency wallet terminal is further used for downloading contract codes according to the signed wallet contract code address if the signed wallet contract code address is confirmed to be legal; and signing the signed wallet contract attribute information to generate two-party signed wallet contract attribute information, sending an opening request containing the two-party signed wallet contract attribute information to the wallet facilitator;
the wallet facilitator is further configured to establish a digital currency wallet according to the two-party signature wallet contract attribute information if the two-party signature wallet contract attribute information is validated; and sending a registration request including the two-party signing wallet contract attribute information to the digital currency issuing register.
11. The system of claim 10, wherein the wallet contract attribute information further includes a wallet contract code hash value; and
the digital currency wallet terminal is further configured to confirm that the downloaded contract code is error-free according to the wallet contract code hash value.
12. The system of claim 8, wherein the wallet facilitator is further configured to associate the created digital currency wallet with account information of the user.
13. The system according to claim 8, wherein the digital money issuance registration authority is further configured to confirm that the received registration request is legitimate.
14. The system of claim 8, wherein the digital money issuance registration authority is further configured to send a notification of successful provisioning to the digital money wallet terminal through the wallet facilitator;
the digital money wallet terminal is further configured to bind the opened digital money wallet with a stored private key, and set a contract code of the digital money wallet to be executable.
15. An electronic device for opening a digital currency wallet, comprising:
one or more processors;
a storage device for storing one or more programs,
when executed by the one or more processors, cause the one or more processors to implement the method of any one of claims 1-7.
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| CN108768666A (en) * | 2018-07-04 | 2018-11-06 | 中钞信用卡产业发展有限公司杭州区块链技术研究院 | A kind of digital cash wallet management method based on SM2 threshold cryptography algorithms |
| CN110766549A (en) * | 2018-07-27 | 2020-02-07 | 翟红鹰 | Digital asset safe transaction method and device, computer equipment and storage medium |
| CN109118363B (en) * | 2018-08-14 | 2021-02-05 | 中钞信用卡产业发展有限公司杭州区块链技术研究院 | Block chain-based digital currency wallet address management method, device and equipment |
| CN110443607B (en) * | 2019-07-31 | 2022-08-02 | 中国人民银行数字货币研究所 | Method for creating public digital wallet, transaction method and device |
| CN110852729B (en) * | 2019-10-23 | 2023-01-13 | 中国人民银行数字货币研究所 | Method and device for opening digital currency wallet and electronic equipment |
| CN111884810A (en) * | 2020-07-20 | 2020-11-03 | 上海信联信息发展股份有限公司 | Transaction signature method, device, mobile terminal and system |
| CN112241885A (en) * | 2020-10-14 | 2021-01-19 | 北京字跳网络技术有限公司 | Digital currency wallet generation method, digital currency payment method, device and electronic equipment |
| CN112950197A (en) * | 2021-03-24 | 2021-06-11 | 北京极智数仓科技有限公司 | Digital currency intelligent wallet application method and system, storage medium and intelligent wallet terminal |
| CN113922957B (en) * | 2021-10-18 | 2024-01-19 | 杭州加密矩阵科技有限公司 | Virtual cloud wallet system based on privacy protection calculation |
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