CN108256841A - Actively turn the method, apparatus and system of coin - Google Patents

Actively turn the method, apparatus and system of coin Download PDF

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CN108256841A
CN108256841A CN201711455116.4A CN201711455116A CN108256841A CN 108256841 A CN108256841 A CN 108256841A CN 201711455116 A CN201711455116 A CN 201711455116A CN 108256841 A CN108256841 A CN 108256841A
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wallet
currency
receiver
payer
currency transfer
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姚前
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Institute of Printing Science and Technology Peoples Bank of China
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367Payment 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
    • G06Q20/3674Payment 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 involving authentication
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3829Payment protocols; Details thereof insuring higher security of transaction involving key management

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  • Computer Networks & Wireless Communication (AREA)
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  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The embodiment of the present invention provides a kind of method, apparatus and system for actively turning coin, can actual storage digital cash, and can realize that digital cash carries out the digital cash metastasis initiated by paying party between specific wallet and wallet.This method includes:Coin request is turned according to the generation of the gathering address information of recipient;According to turn coin request to generate turn coin instruction;And according to turn coin instruct to recipient's wallet execution turn coin operation.

Description

主动转币的方法、装置及系统Method, device and system for actively transferring coins

技术领域technical field

本发明涉及计算机技术领域,尤其涉及一种主动转币的方法、装置及系统。The present invention relates to the field of computer technology, in particular to a method, device and system for actively transferring coins.

背景技术Background technique

在数字经济时代,科技的迅猛发展和快速演进,推动社会经济和产业模式的深刻变化。尤其是在互联网行业和领域,技术驱动力所带来的创新价值和竞争力,不断快速催生各类创新产品形态和服务能力。新一轮科技创新和技术升级全面铺开,将对产业变革产生深远影响。在电子化或数字货币流通的过程中,电子钱包正日益影响着人们日常生活的各个方面。In the era of digital economy, the rapid development and rapid evolution of science and technology have promoted profound changes in social economy and industrial models. Especially in the Internet industry and field, the innovative value and competitiveness brought about by the driving force of technology have continuously and rapidly spawned various innovative product forms and service capabilities. A new round of scientific and technological innovation and technological upgrading will be rolled out in an all-round way, which will have a profound impact on industrial transformation. In the process of electronic or digital currency circulation, electronic wallets are increasingly affecting all aspects of people's daily lives.

现有技术中常见的电子钱包大多为如下类型:Common electronic wallets in the prior art are mostly of the following types:

1.现有技术的电子化或数字化的钱包,多是基于账户体系实现,钱包的是账户功能的延伸,或者说钱包是账户访问的一个入口或介质;1. Most of the existing electronic or digital wallets are implemented based on the account system. The wallet is an extension of the account function, or the wallet is an entrance or medium for account access;

2.有一类电子钱包是作为银行卡或其他卡介质访问的聚合入口存在,这种钱包只是实现卡功能的聚合管理,本身不具有实际钱包支付等功能,而是将多个卡的网络支付入口功能进行封装,实现单一入口访问,简化用户多卡操作的复杂性;2. There is a type of electronic wallet that exists as an aggregated access to bank cards or other card media. This type of wallet only realizes the aggregated management of card functions. It does not have functions such as actual wallet payment itself. Encapsulate functions to achieve single entry access and simplify the complexity of multi-card operations for users;

3.以比特币为代表的基于区块链技术发展而来的一类私人准数字货币,其对应的钱包则主要是用于保存私钥,用于对链上记录的私人准数字货币进行签名交易。这类钱包更像一个地址,或是私钥保管箱,主要功能是保管私钥。3. A type of private quasi-digital currency developed based on blockchain technology represented by Bitcoin, and its corresponding wallet is mainly used to save the private key and sign the private quasi-digital currency recorded on the chain trade. This type of wallet is more like an address, or a private key safe, and its main function is to keep the private key.

在实现本发明过程中,发明人发现现有技术中至少存在如下问题:In the course of realizing the present invention, the inventor finds that there are at least the following problems in the prior art:

1.基于账户体系的钱包,并非独立的钱包,而是依赖于原有账户系统。因此,这些钱包参与的交易,实际是背后账户系统的交易,钱包本身不实际存放任何实际的资金或资产,只是作为后台账户系统账务数据和功能的前端展示;1. The wallet based on the account system is not an independent wallet, but relies on the original account system. Therefore, the transactions that these wallets participate in are actually the transactions of the account system behind it. The wallet itself does not actually store any actual funds or assets, but only serves as the front-end display of the accounting data and functions of the background account system;

2.作为银行卡或其他卡介质访问的聚合入口存在的电子钱包,其钱包功能都需要对应调用某个具体卡的网络应用功能来实现。这种聚合类电子钱包不算是真正意义上的电子钱包,不具有直接资金操作和交易处理功能;2. For an electronic wallet that exists as an aggregated access to bank cards or other card media, its wallet functions need to be realized by correspondingly calling the network application function of a specific card. This aggregated electronic wallet is not considered an electronic wallet in the true sense, and does not have direct fund operation and transaction processing functions;

3.以比特币为代表的基于区块链技术的钱包,本身不具有对资金或资产的存储功能。同时这类钱包是完全匿名的,任何人都可以生成新的钱包地址,并通过私钥将数字资产转移给任何地址,一旦转移目标发生错误,则无法追回。3. Wallets based on blockchain technology represented by Bitcoin do not have the function of storing funds or assets. At the same time, this type of wallet is completely anonymous. Anyone can generate a new wallet address and transfer digital assets to any address through the private key. Once the transfer target is wrong, it cannot be recovered.

发明内容Contents of the invention

有鉴于此,本发明实施例提供一种主动转币的方法、装置及系统,能够实际存储数字货币,并且能够实现数字货币在特定钱包与钱包之间进行由付款方发起的数字货币转移机制。In view of this, the embodiments of the present invention provide a method, device and system for actively transferring coins, which can actually store digital currency and realize digital currency transfer mechanism initiated by the payer between specific wallets.

为实现上述目的,根据本发明实施例的一个方面,提供了一种主动转币的方法。To achieve the above purpose, according to an aspect of the embodiments of the present invention, a method for actively transferring coins is provided.

本发明实施例的一种主动转币的方法包括:根据接收方的收款地址信息生成转币请求;根据转币请求生成转币指令;以及根据转币指令向接收方钱包执行转币操作。An active currency transfer method according to an embodiment of the present invention includes: generating a currency transfer request according to the receiving address information of the recipient; generating a currency transfer instruction according to the currency transfer request; and performing a currency transfer operation to the recipient's wallet according to the currency transfer instruction.

可选地,在根据接收方的收款地址信息生成转币请求之前,主动转币的方法还包括:接收方数字货币钱包终端生成收款地址信息。Optionally, before generating the currency transfer request according to the receiver's receiving address information, the method for actively transferring coins further includes: the receiving party's digital currency wallet terminal generating the receiving address information.

可选地,主动转币的方法中,接收方数字货币钱包终端生成收款地址信息包括:接收方数字货币钱包终端生成收款地址信息;在确认收款地址信息无误之后,使用接收方钱包私钥签名收款地址信息;以及根据接收方的收款地址信息生成转币请求包括:验证签名后的收款地址信息,验证通过之后,生成转币请求。Optionally, in the method of actively transferring coins, generating the receiving address information by the receiving party’s digital currency wallet terminal includes: generating the receiving address information by the receiving party’s digital currency wallet terminal; Key signature receiving address information; and generating a currency transfer request based on the receiving party’s receiving address information includes: verifying the signed receiving address information, and generating a currency transfer request after the verification is passed.

可选地,根据转币请求生成转币指令包括:在确认转币请求无误之后,使用付款方钱包私钥签名转币请求;以及验证签名后的转币请求,验证通过之后,按照预设匹配规则生成转币指令。Optionally, generating the currency transfer instruction according to the currency transfer request includes: after confirming that the currency transfer request is correct, signing the currency transfer request with the private key of the payer's wallet; and verifying the signed currency transfer request. The rules generate currency transfer instructions.

可选地,根据转币指令向接收方钱包执行转币操作包括:在确认转币指令无误之后,使用付款方钱包私钥签名转币指令;以及在判断签名之后的转币指令无误后,执行转币操作。Optionally, performing the currency transfer operation to the receiver's wallet according to the currency transfer instruction includes: after confirming that the currency transfer instruction is correct, using the private key of the payer's wallet to sign the currency transfer instruction; and after judging that the currency transfer instruction after the signature is correct, executing Coin transfer operation.

可选地,执行转币操作包括:在判断转币指令对应的收款地址信息无误之后,按照预设支付策略或自定义支付策略执行转币操作。Optionally, performing the currency transfer operation includes: performing the currency transfer operation according to a preset payment strategy or a custom payment strategy after judging that the receiving address information corresponding to the currency transfer instruction is correct.

可选地,收款地址信息包括如下至少一种信息:信息时间戳、信息有效期、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息;转币请求包括如下至少一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应钱包服务商信息、付款方钱包余额、待转币金额;以及转币指令包括如下至少一种信息:付款方钱包标识、付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表。Optionally, the receiving address information includes at least one of the following information: information time stamp, information validity period, recipient’s wallet identifier, recipient’s wallet certificate, recipient’s user information, recipient’s wallet corresponding wallet service provider information; the transfer request includes At least one of the following information: the receiver's wallet ID, the receiver's user information, the wallet service provider information corresponding to the receiver's wallet, the payer's wallet balance, and the amount of currency to be transferred; and the currency transfer instruction includes at least one of the following information: the payer's wallet ID , the payer's wallet certificate, the receiver's wallet ID, the receiver's wallet certificate, the receiver's user information, the receiver's wallet corresponding wallet service provider information, the transfer amount, and the transfer string list.

为实现上述目的,根据本发明实施例的另一方面,提供了一种主动转币的装置。In order to achieve the above purpose, according to another aspect of the embodiments of the present invention, a device for actively transferring coins is provided.

本发明实施例的一种主动转币的装置包括:转币请求生成模块,用于根据接收方的收款地址信息生成转币请求;转币指令生成模块,用于根据转币请求生成转币指令;以及执行模块,用于根据转币指令向接收方钱包执行转币操作。An active currency transfer device in an embodiment of the present invention includes: a currency transfer request generation module, configured to generate a currency transfer request according to the recipient's payment address information; a currency transfer instruction generation module, configured to generate a currency transfer request according to the currency transfer request an instruction; and an execution module, configured to perform a currency transfer operation to the receiver's wallet according to the currency transfer instruction.

可选地,主动转币的装置还包括:收款地址信息生成模块,用于在根据接收方的收款地址信息生成转币请求之前,生成收款地址信息。Optionally, the device for actively transferring money further includes: a payment address information generation module, configured to generate payment address information before generating a money transfer request according to the receiver's payment address information.

可选地,收款地址信息生成模块还用于:生成收款地址信息;在确认收款地址信息无误之后,使用接收方钱包私钥签名收款地址信息;以及转币请求生成模块还用于:验证签名后的收款地址信息,验证通过之后,生成转币请求。Optionally, the receiving address information generation module is also used to: generate the receiving address information; after confirming that the receiving address information is correct, use the private key of the receiver's wallet to sign the receiving address information; and the currency transfer request generating module is also used to : Verify the signature receiving address information, and generate a currency transfer request after the verification is passed.

可选地,转币指令生成模块还用于:在确认转币请求无误之后,使用付款方钱包私钥签名转币请求;以及验证签名后的转币请求,验证通过之后,按照预设匹配规则生成转币指令。Optionally, the currency transfer instruction generation module is also used to: after confirming that the currency transfer request is correct, use the private key of the payer's wallet to sign the currency transfer request; and verify the signed currency transfer request. After the verification is passed, follow the preset matching rules Generate currency transfer instructions.

可选地,执行模块还用于:在确认所述转币指令无误之后,使用付款方钱包私钥签名转币指令;以及在判断签名之后的转币指令无误后,执行转币操作。Optionally, the execution module is further configured to: use the payer wallet private key to sign the currency transfer instruction after confirming that the currency transfer instruction is correct; and execute the currency transfer operation after judging that the currency transfer instruction after the signature is correct.

可选地,执行模块还用于:在判断转币指令对应的收款地址信息无误之后,按照预设支付策略或自定义支付策略执行转币操作。Optionally, the execution module is further configured to: execute the currency transfer operation according to a preset payment strategy or a custom payment strategy after judging that the receiving address information corresponding to the currency transfer instruction is correct.

可选地,收款地址信息包括如下至少一种信息:信息时间戳、信息有效期、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息;转币请求包括如下至少一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应钱包服务商信息、付款方钱包余额、待转币金额;以及转币指令包括如下至少一种信息:付款方钱包标识、付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表。Optionally, the receiving address information includes at least one of the following information: information time stamp, information validity period, recipient’s wallet identifier, recipient’s wallet certificate, recipient’s user information, recipient’s wallet corresponding wallet service provider information; the transfer request includes At least one of the following information: the receiver's wallet ID, the receiver's user information, the wallet service provider information corresponding to the receiver's wallet, the payer's wallet balance, and the amount of currency to be transferred; and the currency transfer instruction includes at least one of the following information: the payer's wallet ID , the payer's wallet certificate, the receiver's wallet ID, the receiver's wallet certificate, the receiver's user information, the receiver's wallet corresponding wallet service provider information, the transfer amount, and the transfer string list.

为实现上述目的,根据本发明实施例的再方面,提供了一种主动转币的系统。In order to achieve the above purpose, according to another aspect of the embodiments of the present invention, a system for actively transferring coins is provided.

本发明实施例的一种主动转币的系统包括接收方数字货币钱包终端、接收方数字货币钱包服务端、付款方数字货币钱包终端、付款方数字货币钱包服务端、登记中心,其中:接收方数字货币钱包终端用于生成收款地址信息,并将收款地址信息发送至付款方数字货币钱包终端;付款方数字货币钱包终端用于根据收款地址信息生成转币请求,并根据所述转币请求生成转币指令,然后将所述转币指令发送到付款方数字货币钱包服务端;付款方数字货币钱包服务端用于判断接收到的转币指令是否无误,并将判断无误的转币指令发送至登记中心;登记中心用于执行转币操作,并将转币结果返回至接收方数字货币钱包服务端和/或付款方数字货币钱包服务端。An active currency transfer system according to an embodiment of the present invention includes a receiver's digital currency wallet terminal, a receiver's digital currency wallet server, a payer's digital currency wallet terminal, a payer's digital currency wallet server, and a registration center, wherein: the receiver The digital currency wallet terminal is used to generate the receiving address information, and send the receiving address information to the digital currency wallet terminal of the payer; the digital currency wallet terminal of the payer is used to generate a currency transfer request according to the receiving address information, and according to said The currency request generates a currency transfer instruction, and then sends the currency transfer instruction to the payer’s digital currency wallet server; the payer’s digital currency wallet server is used to judge whether the received currency transfer instruction is correct, and will judge the correct currency transfer The instruction is sent to the registration center; the registration center is used to perform the currency transfer operation, and returns the result of the currency transfer to the receiver's digital currency wallet server and/or the payer's digital currency wallet server.

可选地,接收方数字货币钱包终端包括接收方终端钱包合约功能执行模块和接收方终端安全模块,付款方数字货币钱包终端包括付款方终端钱包合约功能执行模块和付款方终端安全模块,其中:接收方终端钱包合约功能执行模块用于生成收款地址信息,并显示收款地址信息以便接收方用户对收款地址信息进行确认,以及将接收方终端安全模块签名之后的收款地址信息发送至付款方终端钱包合约功能执行模块;接收方终端安全模块用于在接收方用户确认收款地址信息无误之后,使用接收方钱包私钥签名收款地址信息;付款方终端钱包合约功能执行模块用于验证接收到的签名之后的收款地址信息,验证通过之后生成转币请求,并显示转币请求以便付款方用户对转币请求进行确认,然后将确认之后的转币请求发送至付款方终端安全模块进行签名,以及在验证付款方终端安全模块签名后的转币请求通过之后,按照预设匹配规则生成转币指令,以及将付款方终端安全模块签名之后的转币指令发送至付款方数字货币钱包服务端;付款方终端安全模块用于在付款方用户确认转币请求无误之后,使用付款方钱包私钥签名转币请求,以及在付款方用户确认转币指令无误之后,使用付款方钱包私钥签名转币指令。Optionally, the receiver's digital currency wallet terminal includes a receiver's terminal wallet contract function execution module and the receiver's terminal security module, and the payer's digital currency wallet terminal includes a payer's terminal wallet contract function execution module and a payer's terminal security module, wherein: The receiving terminal wallet contract function execution module is used to generate the receiving address information, and display the receiving address information so that the receiving user can confirm the receiving address information, and send the receiving address information signed by the receiving terminal security module to The payer terminal wallet contract function execution module; the receiver terminal security module is used to sign the receiver address information with the receiver wallet private key after the receiver user confirms that the receiver address information is correct; the payer terminal wallet contract function execution module is used to Verify the receiving address information after the received signature, generate a currency transfer request after the verification is passed, and display the currency transfer request so that the payer user can confirm the currency transfer request, and then send the confirmed currency transfer request to the payer terminal security The module signs, and after verifying the transfer request after the signature of the payer's terminal security module, generates a transfer instruction according to the preset matching rules, and sends the transfer instruction after the signature of the payer's terminal security module to the payer's digital currency Wallet server; the payer terminal security module is used to sign the transfer request with the payer wallet private key after the payer user confirms that the transfer request is correct, and use the payer wallet private key to sign the transfer request after the payer user confirms that the transfer instruction is correct. Key signature transfer instruction.

可选地,登记中心在执行转币操作之前,还用于判断转币指令是否正确,以及向接收方数字货币钱包服务端请求判断所述转币指令对应的收款地址信息是否正确。Optionally, before performing the currency transfer operation, the registration center is also used to determine whether the currency transfer instruction is correct, and to request the receiving party's digital currency wallet server to determine whether the payment address information corresponding to the currency transfer instruction is correct.

上述发明中的一个实施例具有如下优点或有益效果:因为采用基于数字货币钱包的技术,与数字货币发行机构系统进行对接,实现向特定收款地址主动转币的技术手段,所以克服了现有技术中电子钱包不实际存储货币,且不能在特定收款地址与地址之间转移货币的技术问题,进而达到数字货币在数字化、独立化的钱包中安全存放,并可向特定地址安全、主动转币的技术效果;通过利用接收方数字货币钱包终端生成收款地址信息,从而能够根据付款方的主动转币需求,方便、准确的提供收款地址信息;通过接收方用户确认收款地址信息无误之后,利用接收方钱包私钥签名所述收款地址信息,以及在付款方数字货币钱包终端接收到收款地址信息之后,验证收款地址信息,从而能够确保生成的收款地址信息的准确性,并且保证收款地址信息传输的安全性,以保护主动转币的交易过程;通过在根据转币请求生成转币指令的过程中,在付款方用户确认转币请求无误之后,签名所述转币请求,以及在生成转币指令之前验证该签名之后的转币请求,从而能够保障转币请求信息的准确性,并且保障转币请求和指令信息传输过程的安全性;通过在将所述转币指令发送至登记中心进行转币操作的过程中,不断判断转币指令每转移一次之后的正确性,从而能够确保转移指令转移过程中信息不被篡改;通过在执行转币操作之前,通过接收方钱包服务商判断转币指令对应收款地址信息的正误,从而能够最终确保主动转币的目的钱包的准确性;通过按照预设支付策略或自定义支付策略执行转币操作,从而能够确保主动转币操作流程的标准化和程序化,保障数字货币转移过程的准确登记和转移之后数字货币的最终权属;本发明实施例主动转币的整体流程基于满足安全要求的终端(例如移动终端)本地安全模块的功能支持,建立一整套完整的私钥创建、证书产生、签名和验证使用的安全保护机制,并在此基础上,提供向特定钱包地址主动转币的完整的技术方案,基于完整钱包终端安全保护机制,包括在私钥管理、身份认证、证书签名等基础安全保护,以及针对钱包终端操作全流程的安全保护,使得整个主动转币操作和交易过程保护更加有效,较现有电子钱包而言,很大程度上提高了转移货币的安全保护能力。An embodiment of the above-mentioned invention has the following advantages or beneficial effects: because the technology based on the digital currency wallet is used to connect with the digital currency issuing institution system and realize the technical means of actively transferring coins to a specific receiving address, it overcomes the existing In the technology, the electronic wallet does not actually store the currency, and cannot transfer the currency between the specific receiving address and the technical problem, so that the digital currency can be safely stored in the digital and independent wallet, and can be safely and actively transferred to the specific address. The technical effect of the currency; by using the receiver's digital currency wallet terminal to generate the receiving address information, it is possible to provide the receiving address information conveniently and accurately according to the payer's active currency transfer needs; the receiving user confirms that the receiving address information is correct After that, use the private key of the receiver's wallet to sign the receiving address information, and after the payer's digital currency wallet terminal receives the receiving address information, verify the receiving address information, so as to ensure the accuracy of the generated receiving address information , and ensure the security of the information transfer of the receiving address to protect the transaction process of the active currency transfer; through the process of generating the currency transfer instruction according to the currency transfer request, after the payer user confirms that the currency transfer request is correct, sign the transfer currency request, and the currency transfer request after verifying the signature before generating the currency transfer instruction, so that the accuracy of the currency transfer request information can be guaranteed, and the security of the currency transfer request and instruction information transmission process can be guaranteed; In the process of sending the currency instruction to the registration center for the currency transfer operation, the correctness of the currency transfer instruction is constantly judged after each transfer, so as to ensure that the information during the transfer of the transfer instruction is not tampered with; before performing the currency transfer operation, by receiving The third-party wallet service provider judges whether the currency transfer instruction corresponds to the correctness of the receiving address information, so as to finally ensure the accuracy of the destination wallet of the active currency transfer; by performing the currency transfer operation according to the preset payment strategy or a custom payment strategy, it can ensure that the initiative The standardization and programming of the currency transfer operation process ensures the accurate registration of the digital currency transfer process and the final ownership of the digital currency after the transfer; the overall process of the active currency transfer in the embodiment of the present invention is based on the local terminal (such as a mobile terminal) that meets the security requirements. The functional support of the security module establishes a complete set of security protection mechanisms for private key creation, certificate generation, signature and verification, and on this basis, provides a complete technical solution for actively transferring coins to a specific wallet address, based on a complete wallet The terminal security protection mechanism, including basic security protections such as private key management, identity authentication, and certificate signature, as well as security protection for the entire process of wallet terminal operations, makes the entire active currency transfer operation and transaction process protection more effective, compared with existing electronic wallets In terms of security, it greatly improves the security protection ability of transferring money.

上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。The further effects of the above-mentioned non-conventional alternatives will be described below in conjunction with specific embodiments.

附图说明Description of drawings

附图用于更好地理解本发明,不构成对本发明的不当限定。其中:The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:

图1是根据本发明实施例的主动转币的方法的主要步骤的示意图;Fig. 1 is a schematic diagram of the main steps of the method for actively transferring coins according to an embodiment of the present invention;

图2是根据本发明实施例的主动转币的系统的主要组成部分的示意图;Fig. 2 is a schematic diagram of the main components of the system for actively transferring coins according to an embodiment of the present invention;

图3是根据本发明实施例的主动转币的装置的主要模块的示意图。Fig. 3 is a schematic diagram of main modules of the device for actively transferring coins according to an embodiment of the present invention.

具体实施方式Detailed ways

以下结合附图对本发明的示范性实施例做出说明,其中包括本发明实施例的各种细节以助于理解,应当将它们认为仅仅是示范性的。因此,本领域普通技术人员应当认识到,可以对这里描述的实施例做出各种改变和修改,而不会背离本发明的范围和精神。同样,为了清楚和简明,以下的描述中省略了对公知功能和结构的描述。Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded as exemplary only. 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.

数字货币是由一系列字符串表示的法定货币,目前一般认为数字货币是由中央银行发行或中央银行授权发行的,以代表具体金额的加密数字串为表现形式的法定货币,包括数字货币的金额、发行方标识和所有者标识。数字货币构建在现今成熟的计算机技术和互联网技术的平台之上,由作为数字货币核心系统的中央银行发行并进入流通领域。Digital currency is a legal currency represented by a series of strings. At present, it is generally believed that digital currency is issued by the central bank or authorized by the central bank. It is a legal currency in the form of an encrypted number string representing a specific amount, including the amount of digital currency. , Issuer ID, and Owner ID. Digital currency is built on the platform of today's mature computer technology and Internet technology, issued by the central bank as the core system of digital currency and enters the field of circulation.

基于现有技术中电子化钱包的诸多局限,本发明实施例中利用数字货币钱包进行数字货币的安全存放和流通操作。数字货币钱包可以与传统账户体系进行关联绑定,从而可以基于现有账户体系的用户身份开通数字货币钱包,实现现有金融基础设施和用户的无差异性体验和平滑过渡,并且方便实现各种不同应用场景的打通,有利于数字货币广泛应用。Based on the many limitations of electronic wallets in the prior art, in the embodiment of the present invention, digital currency wallets are used to safely store and circulate digital currency. The digital currency wallet can be associated and bound with the traditional account system, so that the digital currency wallet can be opened based on the user identity of the existing account system, so as to realize the undifferentiated experience and smooth transition of the existing financial infrastructure and users, and facilitate the realization of various The opening up of different application scenarios is conducive to the widespread application of digital currency.

另外,现有电子钱包和数字钱包大多只是一个位于移动终端的应用,并不是独立钱包,也不是数字化的实体钱包,依赖后台的账户系统。与现有技术不同的是,本发明实施例的数字货币钱包则是完全独立的终端钱包,是实际存放加密数字货币的载体,以加密字串形式存在的数字货币记录在数字货币终端钱包中,数字货币在数字货币钱包之间进行真实转移,是真正意义上的数字化实体钱包,不依赖后台的账户系统,并且同样可以基于终端本地化实体钱包基础上提供各种钱包应用功能。In addition, most of the existing electronic wallets and digital wallets are just an application on a mobile terminal, not an independent wallet, nor a digital physical wallet, and rely on the background account system. Different from the prior art, the digital currency wallet in the embodiment of the present invention is a completely independent terminal wallet, which is the carrier for actually storing encrypted digital currency, and the digital currency in the form of encrypted strings is recorded in the digital currency terminal wallet. The real transfer of digital currency between digital currency wallets is a digital physical wallet in the true sense, which does not rely on the background account system, and can also provide various wallet application functions based on the terminal localized physical wallet.

此外,就安全保护机制方面而言,现有电子钱包在安全保护机制上也是依赖后台系统,在钱包终端方面缺乏有效、完整的安全保护机制。本发明则是完全基于钱包终端,提供了一整套本地化的安全保护机制,不依赖后台系统,不依赖其他机构。同时本发明提供了一套完整的、在数字货币终端钱包的操作全流程安全保护机制,能够有效保护整个钱包的操作和交易处理过程,很大程度上提高了钱包的安全保护能力。In addition, in terms of security protection mechanism, the existing electronic wallet also relies on the background system in terms of security protection mechanism, and lacks an effective and complete security protection mechanism in terms of wallet terminals. The present invention is completely based on the wallet terminal, provides a whole set of localized security protection mechanism, and does not rely on the background system or other institutions. At the same time, the present invention provides a complete security protection mechanism for the entire process of digital currency terminal wallet operation, which can effectively protect the entire wallet operation and transaction processing process, and greatly improves the security protection capability of the wallet.

本发明实施例中,数字货币钱包针对数字经济下更加安全、便捷的数字货币钱包终端应用需求,结合金融基础设施电子化和网络化不断提高、通讯技术发展带来更加有效的系统互联和集成、以区块链为基础的全新数字货币和数字资产技术支撑的新兴数字化生态逐步形成等驱动因素,提出的一种全新的数字货币存储、操作、应用服务和综合管理等全方面功能支撑的安全数字化钱包。In the embodiment of the present invention, the digital currency wallet aims at more secure and convenient digital currency wallet terminal application requirements in the digital economy, combined with the continuous improvement of electronic and networked financial infrastructure, and the development of communication technology to bring more effective system interconnection and integration, Driven by factors such as the gradual formation of a new digital currency based on blockchain and the emerging digital ecology supported by digital asset technology, a new safe digitalization supported by all aspects of digital currency storage, operation, application services and comprehensive management is proposed. wallet.

综上,本发明实施例中,数字货币钱包的基础是以加密技术为核心的数字货币,因而不同于基于账户体系的电子钱包。同时数字货币终端钱包强调的是终端部署的钱包,而不是基于网络核心账务系统之外的前端展示和操作界面,该终端钱包基于终端运行环境(例如移动终端等)提供的本地安全模块和操作系统,提供完全本地化的独立钱包运行和功能支持。最后,数字货币终端钱包还必须满足数字货币发行机构的管理要求,并且与现有账户系统进行打通,实现与金融基础设施的融合。因而数字货币钱包作为一种全新的设计,既不同于基于账户的钱包、也不同于类似比特币这种的无价值支撑和发行机构管理的代币钱包,而是真正能够替代传统实物货币、完成支付和支撑其他金融和商业需求、面向数字货币应用的数字化实体钱包。To sum up, in the embodiment of the present invention, the digital currency wallet is based on the digital currency with encryption technology as the core, so it is different from the electronic wallet based on the account system. At the same time, the digital currency terminal wallet emphasizes the wallet deployed by the terminal, rather than the front-end display and operation interface based on the network core accounting system. The terminal wallet is based on the local security module and operation provided by the terminal operating environment (such as mobile terminals, etc.). system, providing fully localized independent wallet operation and functional support. Finally, the digital currency terminal wallet must also meet the management requirements of the digital currency issuer, and open up with the existing account system to achieve integration with the financial infrastructure. Therefore, as a brand-new design, the digital currency wallet is not only different from account-based wallets, but also different from token wallets like Bitcoin that have no value support and are managed by issuers, but can truly replace traditional physical currencies and complete A digital physical wallet for digital currency applications that pays and supports other financial and business needs.

使用本发明实施例的数字货币钱包,能够满足数字货币发行机构要求,并能够与数字货币发行机构系统对接,是真正面向加密数字货币的终端钱包;它不像区块链代币钱包只是管理私钥,而是在能够满足安全要求的终端本地安全模块的功能支持上,建立比代币钱包更完整的私钥、身份认证和证书签名的安全保护机制,并在此基础上能够提供丰富钱包应用功能。The digital currency wallet using the embodiment of the present invention can meet the requirements of the digital currency issuing institution and can be connected with the digital currency issuing institution system. It is a terminal wallet that is truly oriented to encrypted digital currency; key, but on the basis of the functional support of the terminal local security module that can meet the security requirements, a more complete security protection mechanism for private keys, identity authentication and certificate signatures than token wallets is established, and on this basis, rich wallet applications can be provided Function.

图1是根据本发明实施例的主动转币的方法的主要步骤的示意图,如图1所示,本发明实施例的主动转币的方法主要包括如下步骤:Fig. 1 is a schematic diagram of main steps of a method for actively transferring coins according to an embodiment of the present invention. As shown in Fig. 1 , the method for actively transferring coins according to an embodiment of the present invention mainly includes the following steps:

步骤S101:根据接收方的收款地址信息生成转币请求。本步骤的目的在于根据接收到的收款地址信息生成转币请求。Step S101: Generate a currency transfer request according to the receiving address information of the receiver. The purpose of this step is to generate a currency transfer request based on the received payment address information.

本发明实施例中,在根据接收方的收款地址信息生成转币请求之前,还可以包括接收方数字货币钱包终端生成收款地址信息的步骤。具体而言,生成收款地址信息的步骤可以包括:接收方数字货币钱包终端根据付款方主动转币的需求生成收款地址信息;并且在接收方用户确认收款地址信息无误之后,使用接收方钱包私钥签名该收款地址信息。In the embodiment of the present invention, before generating the currency transfer request according to the receiving address information of the receiving party, a step of generating the receiving address information by the digital currency wallet terminal of the receiving party may also be included. Specifically, the step of generating the receiving address information may include: the receiver's digital currency wallet terminal generates receiving address information according to the demand of the payer for actively transferring coins; and after the receiving user confirms that the receiving address information is correct, use The wallet private key signs the receiving address information.

付款方数字货币钱包终端在接收到接收方的收款地址信息之后,验证签名后的收款地址信息,验证通过之后,生成转币请求。After receiving the receiver's receiving address information, the digital currency wallet terminal of the payer verifies the signed receiving address information, and generates a currency transfer request after the verification is passed.

步骤S102:根据所述转币请求生成转币指令。在付款方用户确认转币请求无误之后,付款方数字货币终端使用付款方钱包私钥签名该转币请求。然后在验证签名后的转币请求通过之后,按照预设匹配规则生成转币指令。Step S102: Generate a currency transfer instruction according to the currency transfer request. After the payer user confirms that the request for currency transfer is correct, the digital currency terminal of the payer uses the private key of the payer wallet to sign the request for currency transfer. Then, after the signature-verified transfer request is passed, a transfer instruction is generated according to the preset matching rules.

步骤S103:根据所述转币指令向接收方钱包执行转币操作。在付款方用户确认转币指令无误之后,使用付款方钱包私钥签名转币指令;在判断签名无误之后,数字货币发行登记机构的登记中心执行转币操作。此处判断可以包括付款方数字货币钱包终端发送转币指令之前判断,也可以包括付款方钱包服务商进行判断,还可以包括数字货币发现登记机构的登记中心判断。Step S103: Perform a currency transfer operation to the receiver's wallet according to the currency transfer instruction. After the payer user confirms that the currency transfer instruction is correct, use the private key of the payer wallet to sign the currency transfer instruction; after judging that the signature is correct, the registration center of the digital currency issuance registration agency performs the currency transfer operation. The judgment here may include the judgment before the digital currency wallet terminal of the payer sends the currency transfer instruction, it may also include the judgment of the wallet service provider of the payer, and it may also include the judgment of the registration center of the digital currency discovery registration institution.

本发明实施例中,还可以包括接收方数字货币钱包服务商判断转币指令对应的收款地址信息是否无误,判断无误之后,按照预设支付策略或自定义支付策略执行转币操作。In the embodiment of the present invention, it may also include that the receiving party's digital currency wallet service provider judges whether the receiving address information corresponding to the currency transfer instruction is correct, and after the judgment is correct, executes the currency transfer operation according to a preset payment strategy or a custom payment strategy.

本发明实施例中,收款地址信息包括如下至少一种信息:信息时间戳、信息有效期、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息;转币请求包括如下至少一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应钱包服务商信息、付款方钱包余额、待转币金额;以及转币指令包括如下至少一种信息:付款方钱包标识、付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表。In the embodiment of the present invention, the receiving address information includes at least one of the following information: information time stamp, information validity period, recipient wallet identifier, recipient wallet certificate, recipient user information, recipient wallet corresponding wallet service provider information; The request includes at least one of the following information: the receiver's wallet identifier, the receiver's user information, the wallet service provider information corresponding to the receiver's wallet, the payer's wallet balance, and the amount to be transferred; and the transfer instruction includes at least one of the following information: the payer Wallet ID, Payer's wallet certificate, Receiver's wallet ID, Receiver's wallet certificate, Receiver's user information, Receiver's wallet corresponding wallet service provider information, Transfer amount, Transfer currency string list.

图2是根据本发明实施例的主动转币的系统的主要组成部分的示意图。如图2所示,本发明实施例的主动转币的系统200主要由如下部分组成:接收方数字货币钱包终端201、接收方数字货币钱包服务端202、付款方数字货币钱包终端203、付款方数字货币钱包服务端204、登记中心205。Fig. 2 is a schematic diagram of main components of a system for actively transferring coins according to an embodiment of the present invention. As shown in Figure 2, the system 200 for actively transferring currency in the embodiment of the present invention is mainly composed of the following parts: the recipient's digital currency wallet terminal 201, the recipient's digital currency wallet server 202, the payer's digital currency wallet terminal 203, the payer's Digital currency wallet server 204, registration center 205.

其中,接收方数字货币钱包终端201可用于生成收款地址信息,并将收款地址信息发送至付款方数字货币钱包终端203;Among them, the receiving party digital currency wallet terminal 201 can be used to generate the receiving address information, and send the receiving address information to the payer digital currency wallet terminal 203;

付款方数字货币钱包终端203可用于根据收款地址信息生成转币请求,并根据转币请求生成转币指令,然后将转币指令发送到付款方数字货币钱包服务端204;The payer's digital currency wallet terminal 203 can be used to generate a currency transfer request according to the receiving address information, and generate a currency transfer instruction according to the currency transfer request, and then send the currency transfer instruction to the payer's digital currency wallet server 204;

付款方数字货币钱包服务端204可用于判断接收到的转币指令是否无误,并将判断无误的转币指令发送至登记中心205;The payer's digital currency wallet server 204 can be used to judge whether the received currency transfer instruction is correct, and send the correct currency transfer instruction to the registration center 205;

登记中心205可用于执行转币操作,并将转币结果返回至接收方数字货币钱包服务端202和/或付款方数字货币钱包服务端204。The registration center 205 can be used to perform the currency transfer operation, and return the currency transfer result to the receiver's digital currency wallet server 202 and/or the payer's digital currency wallet server 204 .

在本发明实施例中,接收方数字货币钱包终端201可以包括接收方终端钱包合约功能执行模块和接收方终端安全模块(图中未示出),付款方数字货币钱包终端203包括付款方终端钱包合约功能执行模块和付款方终端安全模块(图中未示出),其中:接收方终端钱包合约功能执行模块用于生成收款地址信息,并显示收款地址信息以便接收方用户对收款地址信息进行确认,以及将接收方终端安全模块签名之后的收款地址信息发送至付款方终端钱包合约功能执行模块;接收方终端安全模块用于在接收方用户确认收款地址信息无误之后,使用接收方钱包私钥签名收款地址信息;付款方终端钱包合约功能执行模块用于验证接收到的签名之后的收款地址信息,验证通过之后生成转币请求,并显示转币请求以便付款方用户对转币请求进行确认,然后将确认之后的转币请求发送至付款方终端安全模块进行签名,以及在验证付款方终端安全模块签名后的转币请求通过之后,按照预设匹配规则生成转币指令,以及将付款方终端安全模块签名之后的转币指令发送至付款方数字货币钱包服务端;付款方终端安全模块用于在付款方用户确认转币请求无误之后,使用付款方钱包私钥签名转币请求,以及在付款方用户确认转币指令无误之后,使用付款方钱包私钥签名转币指令。In the embodiment of the present invention, the receiver's digital currency wallet terminal 201 may include a receiver's terminal wallet contract function execution module and a receiver's terminal security module (not shown in the figure), and the payer's digital currency wallet terminal 203 includes a payer's terminal wallet The contract function execution module and the payer terminal security module (not shown in the figure), wherein: the receiver terminal wallet contract function execution module is used to generate the receiving address information, and display the receiving address information so that the receiving user can check the receiving address Confirm the information, and send the receiving address information signed by the receiving terminal security module to the payer terminal wallet contract function execution module; the receiving terminal security module is used to use the receiving The receiving address information is signed by the private key of the wallet of the party; the wallet contract function execution module of the payer terminal is used to verify the receiving address information after the signature is received. The currency transfer request is confirmed, and then the confirmed currency transfer request is sent to the payer terminal security module for signature, and after the currency transfer request after verifying the signature of the payer terminal security module is passed, the currency transfer instruction is generated according to the preset matching rules , and send the coin transfer instruction signed by the payer's terminal security module to the payer's digital currency wallet server; the payer's terminal security module is used to use the payer's wallet private key to sign the transfer Token request, and after the payer user confirms that the currency transfer instruction is correct, use the payer wallet private key to sign the currency transfer instruction.

此外,登记中心205在执行转币操作之前,还可用于判断转币指令是否正确,以及向所述接收方数字货币钱包服务端请求判断所述转币指令对应的收款地址信息是否正确。In addition, the registration center 205 can also be used to determine whether the currency transfer instruction is correct before performing the currency transfer operation, and request the recipient digital currency wallet server to determine whether the payment address information corresponding to the currency transfer instruction is correct.

本发明实施例中,数字货币钱包主动转币的过程大致就是数字货币付款方通过付款方数字货币钱包终端的钱包合约功能执行模块主动向数字货币接收方提供的收款地址转移数字货币的过程。具体来讲,数字货币接收方通过自己的数字货币钱包生成一个收款地址信息,即接收方钱包地址,发送给付款方的数字货币钱包,付款方利用自己的数字货币钱包向付款方钱包服务商发送转币指令,并通过数字货币发行登记机构最终完成转币操作,并把转币结果发送给付款方和接收方。In the embodiment of the present invention, the process of the digital currency wallet actively transferring coins is roughly the process in which the digital currency payer actively transfers digital currency to the receiving address provided by the digital currency receiver through the wallet contract function execution module of the payer's digital currency wallet terminal. Specifically, the digital currency receiver generates a collection address information through its own digital currency wallet, that is, the receiver's wallet address, and sends it to the payer's digital currency wallet, and the payer uses its own digital currency wallet to send a payment to the payer's wallet service provider. Send the currency transfer instruction, and finally complete the currency transfer operation through the digital currency issuance registration agency, and send the currency transfer result to the payer and receiver.

以下结合图2对本发明实施例的主动转币的流程进行详细说明:The following is a detailed description of the active coin transfer process of the embodiment of the present invention in conjunction with Figure 2:

1.付款方用户登录自己的本地数字货币钱包,进入付款方终端钱包合约功能执行模块准备付款;同时接收方用户登录自己的本地数字货币钱包,进入接收方终端钱包合约功能执行模块(用于发起用数字货币收款,提供收款地址信息);1. The payer user logs into his or her local digital currency wallet, enters the payer terminal wallet contract function execution module to prepare for payment; at the same time, the receiver user logs into his local digital currency wallet, enters the receiver terminal wallet contract function execution module (used to initiate Receive payment in digital currency, provide payment address information);

2.接收方用户的终端钱包合约功能执行模块生成收款地址信息(该收款地址信息可以包含如下至少一种信息:时间戳信息、有效期信息、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息);2. The terminal wallet contract function execution module of the receiving party user generates the receiving address information (the receiving address information may contain at least one of the following information: time stamp information, validity period information, receiving party wallet identification, receiving party wallet certificate, receiving party User information, receiver wallet corresponding wallet service provider information);

3.接收方用户的终端钱包合约功能执行模块显示收款地址信息,等待接收方用户确认;3. The recipient user's terminal wallet contract function execution module displays the payment address information, waiting for the recipient user to confirm;

4.接收方用户确认收款地址信息,接收方用户的终端钱包合约功能执行模块将确认之后的收款地址信息发送至终端安全模块;4. The receiving user confirms the receiving address information, and the terminal wallet contract function execution module of the receiving user sends the confirmed receiving address information to the terminal security module;

5.接收方用户的终端安全模块用钱包私钥签名收款地址信息并发送至接收方用户的终端钱包合约功能执行模块;5. The terminal security module of the receiving user signs the receiving address information with the wallet private key and sends it to the terminal wallet contract function execution module of the receiving user;

6.接收方用户的终端钱包合约功能执行模块将签名后的收款地址信息通过付款方和接收方两个钱包终端之间的信息传输通道发送至付款方用户的终端钱包合约功能执行模块;6. The terminal wallet contract function execution module of the recipient user sends the signed receiving address information to the payer user's terminal wallet contract function execution module through the information transmission channel between the two wallet terminals of the payer and the recipient;

7.付款方用户的终端钱包合约功能执行模块获取接收方收款地址信息,使用接收方钱包证书中包含的接收方钱包公钥对签名之后的收款地址信息进行验证,包括时间戳信息、有效期信息、接收方钱包标识验证,验证通过后生成转币请求(该转币请求中至少包括如下一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应服务商信息、付款方钱包余额、待转币金额),并向付款方用户显示,付款方用户确认转币请求,输入转币金额;7. The terminal wallet contract function execution module of the payer user obtains the receiver's receiving address information, and uses the receiver's wallet public key contained in the receiver's wallet certificate to verify the signed receiving address information, including timestamp information and validity period Information, receiver wallet identification verification, after the verification is passed, a currency transfer request is generated (the currency transfer request includes at least one of the following information: receiver wallet ID, receiver user information, receiver wallet corresponding service provider information, payer wallet balance , the amount to be transferred), and displayed to the payer user, the payer user confirms the transfer request and enters the transfer amount;

8.终端钱包合约功能执行模块向付款方终端安全模块发送付款方用户确认之后的转币请求;8. The terminal wallet contract function execution module sends a request for currency transfer after the payer user confirms to the payer terminal security module;

9.付款方终端安全模块用钱包私钥签名转币请求,并将签名后的转币请求发送给付款方终端钱包合约功能执行模块;9. The payer terminal security module signs the currency transfer request with the wallet private key, and sends the signed currency transfer request to the payer terminal wallet contract function execution module;

10.付款方终端钱包合约功能执行模块对转币请求信息签名进行验证,同时验证转币金额不大于付款方钱包余额。然后按照预设匹配规则,匹配转币字串列表,生成转币指令。本发明实施例中,预设匹配规则可以是从小到大匹配,也可以是从大到小进行匹配。例如钱包中有面值分别为2、3、5的三个数字货币,若要支付5元,则按照从小到大匹配规则可以从2开始选择,则最终选定用于支付的数字货币为2和3对应的字串;也可以按照从大到小匹配规则,先选择最大面值的数字货币字串进行支付,即数字货币5对应的字串。此外本发明实施例的转币指令中至少包含如下一种信息:付款方钱包标识和付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表;10. The payer terminal wallet contract function execution module verifies the signature of the currency transfer request information, and at the same time verifies that the amount of currency transfer is not greater than the payer’s wallet balance. Then, according to the preset matching rules, match the currency transfer string list to generate a currency transfer instruction. In the embodiment of the present invention, the preset matching rule may be matching from small to large, or from large to small. For example, there are three digital currencies with denominations of 2, 3, and 5 in the wallet. If you want to pay 5 yuan, you can choose from 2 according to the matching rule from small to large, and the final digital currency selected for payment is 2 and The string corresponding to 3; or according to the matching rule from large to small, first select the digital currency string with the largest denomination for payment, that is, the string corresponding to digital currency 5. In addition, the currency transfer instruction in the embodiment of the present invention contains at least one of the following information: the payer’s wallet ID and payer’s wallet certificate, the receiver’s wallet ID, the receiver’s wallet certificate, the receiver’s user information, and the wallet service provider information corresponding to the receiver’s wallet , transfer amount, transfer string list;

11.付款方终端钱包合约功能执行模块向付款方用户显示转币指令,等待付款方用户确认;11. The payer terminal wallet contract function execution module displays the currency transfer instruction to the payer user and waits for the payer user to confirm;

12.付款方用户确认转币指令;12. The payer user confirms the currency transfer instruction;

13.付款方终端钱包合约功能执行模块向付款方终端安全模块发送付款方用户确认之后的转币指令。付款方终端安全模块验证付款方钱包标识和证书、转币指令,用钱包私钥对转币指令进行签名,并将签名的转币指令发送给付款方用户的终端钱包合约功能执行模块;13. The wallet contract function execution module of the payer terminal sends the currency transfer instruction confirmed by the payer user to the security module of the payer terminal. The payer's terminal security module verifies the payer's wallet identity and certificate, and the currency transfer instruction, signs the currency transfer instruction with the wallet private key, and sends the signed currency transfer instruction to the payer user's terminal wallet contract function execution module;

14.付款方终端钱包合约功能执行模块验证转币指令签名信息,发送签名的转币指令给付款方钱包服务商的钱包服务系统;14. The payer terminal wallet contract function execution module verifies the signature information of the currency transfer instruction, and sends the signed currency transfer instruction to the wallet service system of the payer wallet service provider;

15.付款方钱包服务商的钱包服务系统验证转币指令签名信息,向付款方钱包服务商数字货币核心系统发送转币指令,本发明实施例中服务商钱包服务系统和服务商数字货币核心系统均属于数字货币钱包服务端;15. The wallet service system of the payer's wallet service provider verifies the signature information of the currency transfer instruction, and sends the currency transfer instruction to the digital currency core system of the payer's wallet service provider. In the embodiment of the present invention, the service provider's wallet service system and the service provider's digital currency core system Both belong to the digital currency wallet server;

16.付款方数字货币核心系统验证转币指令签名信息,发送转币指令,请求转移数字货币;16. The digital currency core system of the payer verifies the signature information of the currency transfer instruction, sends the currency transfer instruction, and requests the transfer of digital currency;

17.数字货币发行登记机构的登记中心验证转币指令签名信息,根据接收方钱包对应钱包服务商信息发送待验证收款地址信息(待验证收款地址信息包含接收方钱包对应钱包服务商信息、接收方钱包标识和钱包证书、接收方用户信息);17. The registration center of the digital currency issuance registration agency verifies the signature information of the currency transfer instruction, and sends the receiving address information to be verified according to the wallet service provider information corresponding to the receiver's wallet (the receiving address information to be verified includes the wallet service provider information corresponding to the receiver's wallet, Receiver's wallet ID and wallet certificate, receiver's user information);

18.接收方钱包服务商的数字货币核心系统验证收款地址信息,确认接收方用户、钱包标识和证书、钱包服务商信息匹配无误,并向数字货币发行登记机构返回验证结果;18. The digital currency core system of the receiver's wallet service provider verifies the payment address information, confirms that the receiver's user, wallet ID and certificate, and wallet service provider information match correctly, and returns the verification result to the digital currency issuance registration agency;

19.数字货币发行登记机构的登记中心确认收到验证结果无误后,登记中心按预设支付策略或自定义支付策略进行转币操作。本发明实施例中,预设支付策略可以包括进行对如下信息验证:根据前述步骤10按照预设匹配规则匹配出的转币字串列表的总额是否不小于转币金额,以及验证转币字串列表中的字串是否有效等,若转币字串列表的总额不小于转币金额,且所有字串全部有效,则进行转币操作。自定义支付策略是指可以根据付款方用户临时修改制定的支付策略进行验证和支付。另外,本发明实施例中,转币操作具体可以包括完成数字货币登记和确权等相关操作。例如选择待转移数字货币字串,进行旧币作废登记、生产新币登记,设置新币权属,并完成相应登记和同步确权链。19. After the registration center of the digital currency issuance registration agency confirms that the verification result is correct, the registration center will perform the currency transfer operation according to the preset payment strategy or the custom payment strategy. In the embodiment of the present invention, the preset payment strategy may include verifying the following information: whether the total amount of the list of currency transfer strings matched according to the preset matching rules according to the aforementioned step 10 is not less than the amount of currency transfer, and verifying the currency transfer string Whether the strings in the list are valid, etc., if the total amount of the list of currency transfer strings is not less than the amount of currency to be transferred, and all the strings are valid, the currency transfer operation will be performed. Custom payment strategy means that the payment strategy can be verified and paid according to the payment strategy temporarily modified by the payer user. In addition, in the embodiment of the present invention, the currency transfer operation may specifically include completing related operations such as digital currency registration and right confirmation. For example, select the digital currency string to be transferred, register the invalidation of the old currency, register the production of new currency, set the ownership of the new currency, and complete the corresponding registration and synchronization confirmation chain.

此外,转币操作完成之后数字货币发行登记机构的登记中心还可以将转币转移执行结果返回给付款方钱包服务商数字货币核心系统,并向接收方钱包服务商数字货币核心系统发送接受转币执行结果。其中,返回转币转移执行结果包括执行状态、转移金额、作废旧币串列表、转入接收方钱包的新币列表、找回付款方钱包的新币列表;接受转币执行结果包括付款方钱包标识和证书、付款方钱包对应钱包服务商信息、接收方钱包对应钱包服务商信息、接收方钱包标识和证书、接收金额、接收数字货币字串列表以及与前述“找回付款方钱包的新币列表”对应的作废的旧币串列表。In addition, after the currency transfer operation is completed, the registration center of the digital currency issuance registration agency can also return the currency transfer execution result to the digital currency core system of the payer's wallet service provider, and send an acceptance transfer to the digital currency core system of the receiver's wallet service provider. Results of the. Among them, the returned currency transfer execution result includes the execution status, transfer amount, list of invalidated old currency strings, new currency list transferred to the receiver’s wallet, and new currency list retrieved from the payer’s wallet; the execution result of accepting currency transfer includes the payer’s wallet ID and certificate, information of the wallet service provider corresponding to the payer’s wallet, information of the wallet service provider corresponding to the receiver’s wallet, the receiver’s wallet ID and certificate, the received amount, the list of received digital currency strings, and the aforementioned “recovering the new currency in the payer’s wallet” List" corresponds to the obsolete list of old coin strings.

具体而言,将转币转移执行结果返回给付款方钱包服务商数字货币核心系统具体可以包括如下操作:Specifically, returning the execution result of the currency transfer to the digital currency core system of the payer's wallet service provider may specifically include the following operations:

19.a1.付款方钱包服务商的数字货币核心系统接收并转发转币转移执行结果给付款方钱包服务商的钱包服务系统;19.a1. The digital currency core system of the payer’s wallet service provider receives and forwards the currency transfer execution result to the payer’s wallet service provider’s wallet service system;

19.a2.付款方钱包服务商的钱包服务系统接收转币转移执行结果,验证转移金额与转入接收方钱包的新币列表跟找回新币列表金额的差是否一致,返回转币操作结果给付款方用户终端钱包合约功能执行模块;19.a2. The wallet service system of the payer’s wallet service provider receives the execution result of the currency transfer, verifies whether the transfer amount is consistent with the difference between the new currency list transferred into the receiver’s wallet and the amount of the recovered new currency list, and returns the currency transfer operation result To the payer user terminal wallet contract function execution module;

19.a3.付款方终端钱包合约功能执行模块验证数字货币发行登记机构签名和转移金额与转入收款方的新币列表跟找回新币列表金额的差一致,并存放收到的找回新币串列表,向付款方用户显示转币操作结果信息。19.a3. The function execution module of the payer terminal wallet contract verifies that the signature of the digital currency issuing registration agency and the transfer amount are consistent with the difference between the list of new coins transferred to the payee and the list of recovered new coins, and stores the received returned coins List of new coin strings, displaying the result information of the coin transfer operation to the payer user.

向接收方钱包服务商数字货币核心系统发送接受转币执行结果具体可以包括如下操作:Sending the execution result of accepting and transferring coins to the digital currency core system of the receiver's wallet service provider may specifically include the following operations:

19.b1.接收方钱包服务商的数字货币核心系统发送钱包收款结果信息给接收方钱包服务商的钱包服务系统;19.b1. The digital currency core system of the receiver's wallet service provider sends the wallet collection result information to the wallet service system of the receiver's wallet service provider;

19.b2.接收方钱包服务商的钱包服务系统接收收款结果,验证接收金额与接收数字货币字串列表金额一致,发送钱包收款结果信息给接收方用户终端钱包合约功能执行模块;19.b2. The wallet service system of the recipient’s wallet service provider receives the collection result, verifies that the received amount is consistent with the amount in the received digital currency string list, and sends the wallet collection result information to the recipient’s user terminal wallet contract function execution module;

19.b3.接收方用户终端钱包合约功能执行模块验证数字货币发行登记机构签名和验证接收金额与接收数字货币字串列表金额一致,并存放收到的新币串列表,向接收方用户显示钱包收款结果。19.b3. The recipient user terminal wallet contract function execution module verifies the signature of the digital currency issuance registration agency and verifies that the received amount is consistent with the amount in the received digital currency string list, and stores the received new currency string list, and displays the wallet to the recipient user Payment result.

至此,本发明实施例的主动转币的技术方案完成了终端钱包与终端钱包之间进行主动转账数字货币转移机制的过程,包括其中的支付指令产生、额度控制、支付交易处理、通过数字货币发行登记机构进行权属转移和确权登记、支付完成数字货币发送等相关的实现过程。上述实现流程中,每个步骤都设计了安全保护机制,因而整个安全保护机制与流程紧密、完全结合。So far, the technical scheme of active currency transfer in the embodiment of the present invention has completed the process of the active transfer digital currency transfer mechanism between the terminal wallet and the terminal wallet, including the generation of payment instructions, quota control, payment transaction processing, and digital currency issuance. The registration agency carries out the relevant realization process such as ownership transfer and confirmation registration, payment completion and digital currency transmission. In the above implementation process, a security protection mechanism is designed for each step, so the entire security protection mechanism is closely and completely integrated with the process.

根据本发明实施例的主动转币的技术方案可以看出,因为采用基于数字货币钱包的技术,与数字货币发行机构系统进行对接,实现向特定收款地址主动转币的技术手段,所以克服了现有技术中电子钱包不实际存储货币,且不能在特定收款地址与地址之间转移货币的技术问题,进而达到数字货币在数字化、独立化的钱包中安全存放,并可向特定地址安全、主动转币的技术效果;通过利用接收方数字货币钱包终端生成收款地址信息,从而能够根据付款方的主动转币需求,方便、准确的提供收款地址信息;通过接收方用户确认收款地址信息无误之后,利用接收方钱包私钥签名所述收款地址信息,以及在付款方数字货币钱包终端接收到收款地址信息之后,验证收款地址信息,从而能够确保生成的收款地址信息的准确性,并且保证收款地址信息传输的安全性,以保护主动转币的交易过程;通过在根据转币请求生成转币指令的过程中,在付款方用户确认转币请求无误之后,签名所述转币请求,以及在生成转币指令之前验证该签名之后的转币请求,从而能够保障转币请求信息的准确性,并且保障转币请求和指令信息传输过程的安全性;通过在将所述转币指令发送至登记中心进行转币操作的过程中,不断判断转币指令每转移一次之后的正确性,从而能够确保转移指令转移过程中信息不被篡改;通过在执行转币操作之前,通过接收方钱包服务商判断转币指令对应收款地址信息的正误,从而能够最终确保主动转币的目的钱包的准确性;通过按照预设支付策略或自定义支付策略执行转币操作,从而能够确保主动转币操作流程的标准化和程序化,保障数字货币转移过程的准确登记和转移之后数字货币的最终权属;本发明实施例主动转币的整体流程基于满足安全要求的终端(例如移动终端)本地安全模块的功能支持,建立一整套完整的私钥创建、证书产生、签名和验证使用的安全保护机制,并在此基础上,提供向特定钱包地址主动转币的完整的技术方案,基于完整钱包终端安全保护机制,包括在私钥管理、身份认证、证书签名等基础安全保护,以及针对钱包终端操作全流程的安全保护,使得整个主动转币操作和交易过程保护更加有效,较现有电子钱包而言,很大程度上提高了转移货币的安全保护能力。According to the technical scheme of actively transferring coins according to the embodiment of the present invention, it can be seen that because the technology based on the digital currency wallet is used to connect with the system of the digital currency issuing agency, and the technical means of actively transferring coins to a specific receiving address is realized, it overcomes the In the prior art, the electronic wallet does not actually store the currency, and cannot transfer the currency between the specific receiving address and the technical problem, so as to achieve the safe storage of the digital currency in the digital and independent wallet, and it can be transferred to the specific address safely, The technical effect of active currency transfer; by using the receiving party's digital currency wallet terminal to generate the receiving address information, the receiving address information can be provided conveniently and accurately according to the payer's active currency transfer needs; the receiving user confirms the receiving address After the information is correct, use the private key of the receiver's wallet to sign the receiving address information, and verify the receiving address information after the payer's digital currency wallet terminal receives the receiving address information, so as to ensure the accuracy of the generated receiving address information. Accuracy, and ensure the security of the payment address information transmission to protect the transaction process of active currency transfer; through the process of generating the currency transfer instruction according to the currency transfer request, after the payer user confirms that the currency transfer request is correct, the signature The currency transfer request is described, and the currency transfer request after the signature is verified before the currency transfer instruction is generated, so that the accuracy of the currency transfer request information can be guaranteed, and the security of the currency transfer request and instruction information transmission process can be guaranteed; In the process of sending the currency transfer instruction to the registration center for the currency transfer operation, the correctness of the currency transfer instruction is constantly judged after each transfer, so as to ensure that the information during the transfer of the transfer instruction is not tampered with; by performing the currency transfer operation, The recipient wallet service provider judges whether the transfer instruction corresponds to the correctness of the receiving address information, so that the accuracy of the destination wallet that actively transfers the currency can be finally ensured; by performing the currency transfer operation according to the preset payment strategy or a custom payment strategy, it can be achieved Ensure the standardization and programming of the active currency transfer operation process, ensure the accurate registration of the digital currency transfer process and the final ownership of the digital currency after the transfer; the overall process of the active currency transfer in the embodiment of the present invention is based on a terminal (such as a mobile terminal) that meets security requirements ) The function support of the local security module establishes a complete set of security protection mechanisms for private key creation, certificate generation, signature and verification, and on this basis, provides a complete technical solution for actively transferring coins to specific wallet addresses, based on Complete wallet terminal security protection mechanism, including basic security protection such as private key management, identity authentication, and certificate signature, as well as security protection for the entire process of wallet terminal operation, making the entire active currency transfer operation and transaction process protection more effective, compared with existing As far as electronic wallets are concerned, the security protection capabilities of transferring money have been greatly improved.

图3是根据本发明实施例的主动转币的装置的主要模块的示意图。如图3所述,本发明实施例中的主动转币的装置300主要包括如下模块:Fig. 3 is a schematic diagram of main modules of the device for actively transferring coins according to an embodiment of the present invention. As shown in Figure 3, the device 300 for actively transferring coins in the embodiment of the present invention mainly includes the following modules:

转币请求生成模块301,可用于根据接收方的收款地址信息生成转币请求;转币指令生成模块302,可用于根据转币请求生成转币指令;以及执行模块303,可用于根据转币指令向接收方钱包执行转币操作。The currency transfer request generation module 301 can be used to generate a currency transfer request according to the receiving address information of the recipient; the currency transfer instruction generation module 302 can be used to generate a currency transfer instruction according to the currency transfer request; Instructions to perform currency transfer operations to the receiver's wallet.

本发明实施例中的主动转币的装置300还可包括:收款地址信息生成模块(图中未示出),用于在根据接收方的收款地址信息生成转币请求之前,生成收款地址信息。The device 300 for actively transferring money in the embodiment of the present invention may also include: a collection address information generating module (not shown in the figure), used to generate a collection Address information.

收款地址信息生成模块还可用于:生成收款地址信息;以及在确认所述收款地址信息无误之后,使用接收方钱包私钥签名所述收款地址信息;与之对应,转币请求生成模块301还可用于:验证签名后的收款地址信息,验证通过之后,生成转币请求。The receiving address information generation module can also be used to: generate receiving address information; and after confirming that the receiving address information is correct, sign the receiving address information with the private key of the receiver's wallet; correspondingly, generate a currency transfer request Module 301 can also be used to: verify the signed payment address information, and generate a currency transfer request after the verification is passed.

转币指令生成模块301还可用于:在确认所述转币请求无误之后,使用付款方钱包私钥签名转币请求;以及验证签名后的转币请求,验证通过之后,按照预设匹配规则生成转币指令。The currency transfer instruction generation module 301 can also be used to: after confirming that the currency transfer request is correct, use the private key of the payer's wallet to sign the currency transfer request; and verify the signed currency transfer request. Currency transfer instruction.

此外,执行模块303还可用于:在确认转币指令无误之后,使用付款方钱包私钥签名转币指令;以及在判断签名之后的转币指令无误后,执行转币操作。In addition, the execution module 303 can also be used to: use the private key of the payer's wallet to sign the currency transfer instruction after confirming that the currency transfer instruction is correct; and execute the currency transfer operation after judging that the currency transfer instruction after the signature is correct.

执行模块303还可用于:在判断转币指令对应的收款地址信息无误之后,按照预设支付策略或自定义支付策略执行转币操作。The execution module 303 can also be used to: execute the currency transfer operation according to the preset payment strategy or the custom payment strategy after judging that the receiving address information corresponding to the currency transfer instruction is correct.

本发明实施例中的主动转币的装置300中,收款地址信息包括如下至少一种信息:信息时间戳、信息有效期、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息;转币请求包括如下至少一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应钱包服务商信息、付款方钱包余额、待转币金额;以及转币指令包括如下至少一种信息:付款方钱包标识、付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表。In the device 300 for actively transferring money in the embodiment of the present invention, the receiving address information includes at least one of the following information: information time stamp, information validity period, recipient wallet identifier, recipient wallet certificate, recipient user information, recipient wallet Corresponding to the wallet service provider information; the currency transfer request includes at least one of the following information: the receiver’s wallet ID, the receiver’s user information, the receiver’s wallet corresponding wallet service provider information, the payer’s wallet balance, and the amount of currency to be transferred; and the currency transfer instruction includes At least one of the following information: Payer’s wallet ID, payer’s wallet certificate, receiver’s wallet ID, receiver’s wallet certificate, receiver’s user information, receiver’s wallet corresponding wallet service provider information, currency transfer amount, and currency string list.

从以上描述可以看出,因为采用基于数字货币钱包的技术,与数字货币发行机构系统进行对接,实现向特定收款地址主动转币的技术手段,所以克服了现有技术中电子钱包不实际存储货币,且不能在特定收款地址与地址之间转移货币的技术问题,进而达到数字货币在数字化、独立化的钱包中安全存放,并可向特定地址安全、主动转币的技术效果;通过利用接收方数字货币钱包终端生成收款地址信息,从而能够根据付款方的主动转币需求,方便、准确的提供收款地址信息;通过接收方用户确认收款地址信息无误之后,利用接收方钱包私钥签名所述收款地址信息,以及在付款方数字货币钱包终端接收到收款地址信息之后,验证收款地址信息,从而能够确保生成的收款地址信息的准确性,并且保证收款地址信息传输的安全性,以保护主动转币的交易过程;通过在根据转币请求生成转币指令的过程中,在付款方用户确认转币请求无误之后,签名所述转币请求,以及在生成转币指令之前验证该签名之后的转币请求,从而能够保障转币请求信息的准确性,并且保障转币请求和指令信息传输过程的安全性;通过在将所述转币指令发送至登记中心进行转币操作的过程中,不断判断转币指令每转移一次之后的正确性,从而能够确保转移指令转移过程中信息不被篡改;通过在执行转币操作之前,通过接收方钱包服务商判断转币指令对应收款地址信息的正误,从而能够最终确保主动转币的目的钱包的准确性;通过按照预设支付策略或自定义支付策略执行转币操作,从而能够确保主动转币操作流程的标准化和程序化,保障数字货币转移过程的准确登记和转移之后数字货币的最终权属;本发明实施例主动转币的整体流程基于满足安全要求的终端(例如移动终端)本地安全模块的功能支持,建立一整套完整的私钥创建、证书产生、签名和验证使用的安全保护机制,并在此基础上,提供向特定钱包地址主动转币的完整的技术方案,基于完整钱包终端安全保护机制,包括在私钥管理、身份认证、证书签名等基础安全保护,以及针对钱包终端操作全流程的安全保护,使得整个主动转币操作和交易过程保护更加有效,较现有电子钱包而言,很大程度上提高了转移货币的安全保护能力。As can be seen from the above description, because the technology based on the digital currency wallet is used to connect with the system of the digital currency issuing institution to realize the technical means of actively transferring currency to a specific receiving address, it overcomes the fact that the electronic wallet in the prior art does not actually store currency, and the technical problem of not being able to transfer currency between specific receiving addresses and addresses, so as to achieve the technical effect that digital currency is safely stored in a digital, independent wallet, and can be safely and actively transferred to a specific address; by using The receiver's digital currency wallet terminal generates the receiving address information, so that it can conveniently and accurately provide the receiving address information according to the payer's active currency transfer requirements; after the receiving user confirms that the receiving address information is correct, use the receiving party's wallet to privately The receiving address information is signed by the key, and after the payer’s digital currency wallet terminal receives the receiving address information, it verifies the receiving address information, so as to ensure the accuracy of the generated receiving address information and ensure that the receiving address information The security of the transmission to protect the transaction process of the active currency transfer; through the process of generating the currency transfer instruction according to the currency transfer request, after the payer user confirms that the currency transfer request is correct, sign the currency transfer request, and generate the currency transfer Verify the currency transfer request after the signature before the currency instruction, so as to ensure the accuracy of the currency transfer request information, and ensure the security of the currency transfer request and instruction information transmission process; In the process of currency transfer operation, the correctness of the currency transfer instruction is constantly judged after each transfer, so as to ensure that the information during the transfer of the transfer instruction is not tampered with; before performing the currency transfer operation, the receiver's wallet service provider judges the currency transfer The instruction corresponds to the correctness of the receiving address information, so as to ensure the accuracy of the destination wallet of the active currency transfer; by performing the currency transfer operation according to the preset payment strategy or a custom payment strategy, it is possible to ensure the standardization and integrity of the active currency transfer operation process. Proceduralized to ensure the accurate registration of the digital currency transfer process and the final ownership of the digital currency after the transfer; the overall flow of the active currency transfer in the embodiment of the present invention is based on the functional support of the local security module of the terminal (such as a mobile terminal) that meets the security requirements, and establishes A complete set of security protection mechanisms for private key creation, certificate generation, signature and verification, and on this basis, provide a complete technical solution for actively transferring coins to a specific wallet address, based on a complete wallet terminal security protection mechanism, including in Basic security protections such as private key management, identity authentication, and certificate signature, as well as security protection for the entire process of wallet terminal operations, make the entire active currency transfer operation and transaction process protection more effective. Compared with existing electronic wallets, it is largely The security protection capability of transferring currency has been improved.

上述具体实施方式,并不构成对本发明保护范围的限制。本领域技术人员应该明白的是,取决于设计要求和其他因素,可以发生各种各样的修改、组合、子组合和替代。任何在本发明的精神和原则之内所作的修改、等同替换和改进等,均应包含在本发明保护范围之内。The above specific implementation methods do not constitute a limitation to the protection scope of the present invention. It should be apparent to those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principles of the present invention shall be included within the protection scope of the present invention.

Claims (17)

1.一种主动转币的方法,其特征在于,包括:1. A method for actively transferring coins, characterized in that it includes: 根据接收方的收款地址信息生成转币请求;Generate a currency transfer request based on the receiving address information of the recipient; 根据所述转币请求生成转币指令;以及generating a currency transfer instruction according to the currency transfer request; and 根据所述转币指令向接收方钱包执行转币操作。Perform a currency transfer operation to the receiver's wallet according to the currency transfer instruction. 2.根据权利要求1所述的方法,其特征在于,在根据接收方的收款地址信息生成转币请求之前,所述方法还包括:接收方数字货币钱包终端生成收款地址信息。2. The method according to claim 1, characterized in that, before generating the currency transfer request according to the recipient's recipient address information, the method further comprises: the recipient's digital currency wallet terminal generates the recipient's recipient address information. 3.根据权利要求1所述的方法,其特征在于,所述方法中,3. The method according to claim 1, wherein, in the method, 所述接收方数字货币钱包终端生成收款地址信息包括:The receiver's digital currency wallet terminal generates payment address information including: 接收方数字货币钱包终端生成收款地址信息;The receiver's digital currency wallet terminal generates payment address information; 在确认所述收款地址信息无误之后,使用接收方钱包私钥签名所述收款地址信息;以及After confirming that the receiving address information is correct, sign the receiving address information with the recipient's wallet private key; and 根据接收方的收款地址信息生成转币请求包括:Generating a currency transfer request based on the receiving address information of the receiver includes: 验证签名后的收款地址信息,验证通过之后,生成转币请求。Verify the signature receiving address information, and generate a currency transfer request after the verification is passed. 4.根据权利要求1所述的方法,其特征在于,根据所述转币请求生成转币指令包括:4. The method according to claim 1, characterized in that generating a currency transfer instruction according to the currency transfer request comprises: 在确认所述转币请求无误之后,使用付款方钱包私钥签名所述转币请求;以及After confirming that the currency transfer request is correct, use the private key of the payer's wallet to sign the currency transfer request; and 验证签名后的转币请求,验证通过之后,按照预设匹配规则生成转币指令。Verify the signed transfer request, and after the verification is passed, generate a transfer instruction according to the preset matching rules. 5.根据权利要求1所述的方法,其特征在于,根据所述转币指令向所述接收方钱包执行转币操作包括:5. The method according to claim 1, wherein performing the currency transfer operation to the recipient wallet according to the currency transfer instruction comprises: 在确认所述转币指令无误之后,使用付款方钱包私钥签名所述转币指令;以及After confirming that the currency transfer instruction is correct, use the private key of the payer's wallet to sign the currency transfer instruction; and 在判断签名之后的转币指令无误后,执行转币操作。After judging that the currency transfer instruction after the signature is correct, execute the currency transfer operation. 6.根据权利要求5所述的方法,其特征在于,执行转币操作包括:6. The method according to claim 5, wherein performing the currency transfer operation comprises: 在判断所述转币指令对应的收款地址信息无误之后,按照预设支付策略或自定义支付策略执行转币操作。After judging that the receiving address information corresponding to the currency transfer instruction is correct, the currency transfer operation is performed according to a preset payment strategy or a custom payment strategy. 7.根据权利要求1所述的方法,其特征在于,7. The method of claim 1, wherein, 所述收款地址信息包括如下至少一种信息:信息时间戳、信息有效期、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息;The receiving address information includes at least one of the following information: information time stamp, information validity period, receiver's wallet identifier, receiver's wallet certificate, receiver's user information, receiver's wallet corresponding wallet service provider information; 所述转币请求包括如下至少一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应钱包服务商信息、付款方钱包余额、待转币金额;以及The currency transfer request includes at least one of the following information: the receiver's wallet identifier, the receiver's user information, the receiver's wallet corresponding wallet service provider information, the payer's wallet balance, and the amount of currency to be transferred; and 所述转币指令包括如下至少一种信息:付款方钱包标识、付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表。The currency transfer instruction includes at least one of the following information: payer's wallet ID, payer's wallet certificate, receiver's wallet ID, receiver's wallet certificate, receiver's user information, receiver's wallet corresponding wallet service provider information, currency transfer amount, A list of currency strings. 8.一种主动转币的装置,其特征在于,包括:8. A device for actively transferring coins, characterized in that it includes: 转币请求生成模块,用于根据接收方的收款地址信息生成转币请求;A currency transfer request generation module, used to generate a currency transfer request based on the receiving address information of the recipient; 转币指令生成模块,用于根据所述转币请求生成转币指令;以及A currency transfer instruction generating module, configured to generate a currency transfer instruction according to the currency transfer request; and 执行模块,用于根据所述转币指令向接收方钱包执行转币操作。An execution module, configured to perform a currency transfer operation to the receiver's wallet according to the currency transfer instruction. 9.根据权利要求8所述的装置,其特征在于,所述装置还包括:收款地址信息生成模块,用于在根据接收方的收款地址信息生成转币请求之前,生成收款地址信息。9. The device according to claim 8, characterized in that the device further comprises: a payment address information generation module, used to generate payment address information before generating a currency transfer request according to the receiver's payment address information . 10.根据权利要求8所述的装置,其特征在于,所述收款地址信息生成模块还用于:10. The device according to claim 8, wherein the collection address information generation module is also used for: 生成收款地址信息;Generate payment address information; 在确认所述收款地址信息无误之后,使用接收方钱包私钥签名所述收款地址信息;以及After confirming that the receiving address information is correct, sign the receiving address information with the recipient's wallet private key; and 所述转币请求生成模块还用于:The currency transfer request generating module is also used for: 验证签名后的收款地址信息,验证通过之后,生成转币请求。Verify the signature receiving address information, and generate a currency transfer request after the verification is passed. 11.根据权利要求8所述的装置,其特征在于,所述转币指令生成模块还用于:11. The device according to claim 8, wherein the coin transfer instruction generating module is also used for: 在确认所述转币请求无误之后,使用付款方钱包私钥签名所述转币请求;以及After confirming that the currency transfer request is correct, use the private key of the payer's wallet to sign the currency transfer request; and 验证签名后的转币请求,验证通过之后,按照预设匹配规则生成转币指令。Verify the signed transfer request, and after the verification is passed, generate a transfer instruction according to the preset matching rules. 12.根据权利要求8所述的装置,其特征在于,所述执行模块还用于:12. The device according to claim 8, wherein the execution module is further used for: 在确认所述转币指令无误之后,使用付款方钱包私钥签名所述转币指令;以及After confirming that the currency transfer instruction is correct, use the private key of the payer's wallet to sign the currency transfer instruction; and 在判断签名之后的转币指令无误后,执行转币操作。After judging that the currency transfer instruction after the signature is correct, execute the currency transfer operation. 13.根据权利要求12所述的装置,其特征在于,所述执行模块还用于:13. The device according to claim 12, wherein the execution module is further used for: 在判断所述转币指令对应的收款地址信息无误之后,按照预设支付策略或自定义支付策略执行转币操作。After judging that the receiving address information corresponding to the currency transfer instruction is correct, the currency transfer operation is performed according to a preset payment strategy or a custom payment strategy. 14.根据权利要求8所述的装置,其特征在于,14. The apparatus of claim 8, wherein: 所述收款地址信息包括如下至少一种信息:信息时间戳、信息有效期、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息;The receiving address information includes at least one of the following information: information time stamp, information validity period, receiver's wallet identifier, receiver's wallet certificate, receiver's user information, receiver's wallet corresponding wallet service provider information; 所述转币请求包括如下至少一种信息:接收方钱包标识、接收方用户信息、接收方钱包对应钱包服务商信息、付款方钱包余额、待转币金额;以及The currency transfer request includes at least one of the following information: the receiver's wallet identifier, the receiver's user information, the receiver's wallet corresponding wallet service provider information, the payer's wallet balance, and the amount of currency to be transferred; and 所述转币指令包括如下至少一种信息:付款方钱包标识、付款方钱包证书、接收方钱包标识、接收方钱包证书、接收方用户信息、接收方钱包对应钱包服务商信息、转币金额、转币字串列表。The currency transfer instruction includes at least one of the following information: payer's wallet ID, payer's wallet certificate, receiver's wallet ID, receiver's wallet certificate, receiver's user information, receiver's wallet corresponding wallet service provider information, currency transfer amount, A list of currency strings. 15.一种主动转币的系统,其特征在于,包括接收方数字货币钱包终端、接收方数字货币钱包服务端、付款方数字货币钱包终端、付款方数字货币钱包服务端、登记中心,其中:15. A system for actively transferring coins, characterized in that it includes a receiver's digital currency wallet terminal, a receiver's digital currency wallet server, a payer's digital currency wallet terminal, a payer's digital currency wallet server, and a registration center, wherein: 所述接收方数字货币钱包终端用于生成收款地址信息,并将所述收款地址信息发送至付款方数字货币钱包终端;The receiver's digital currency wallet terminal is used to generate payment address information, and send the payment address information to the payer's digital currency wallet terminal; 所述付款方数字货币钱包终端用于根据所述收款地址信息生成转币请求,并根据所述转币请求生成转币指令,然后将所述转币指令发送到付款方数字货币钱包服务端;The payer's digital currency wallet terminal is used to generate a currency transfer request according to the payment address information, and generate a currency transfer instruction according to the currency transfer request, and then send the currency transfer instruction to the payer's digital currency wallet server ; 所述付款方数字货币钱包服务端用于判断接收到的转币指令是否无误,并将判断无误的转币指令发送至登记中心;The digital currency wallet server of the payer is used to judge whether the received currency transfer instruction is correct, and send the correct currency transfer instruction to the registration center; 所述登记中心用于执行转币操作,并将转币结果返回至接收方数字货币钱包服务端和/或付款方数字货币钱包服务端。The registration center is used to perform the currency transfer operation, and return the currency transfer result to the receiver's digital currency wallet server and/or the payer's digital currency wallet server. 16.根据权利要求15所述的系统,其特征在于,所述接收方数字货币钱包终端包括接收方终端钱包合约功能执行模块和接收方终端安全模块,所述付款方数字货币钱包终端包括付款方终端钱包合约功能执行模块和付款方终端安全模块,其中:16. The system according to claim 15, wherein the receiver digital currency wallet terminal includes a receiver terminal wallet contract function execution module and a receiver terminal security module, and the payer digital currency wallet terminal includes a payer terminal Terminal wallet contract function execution module and payer terminal security module, in which: 所述接收方终端钱包合约功能执行模块用于生成收款地址信息,并显示所述收款地址信息以便接收方用户对所述收款地址信息进行确认,以及将接收方终端安全模块签名之后的收款地址信息发送至付款方终端钱包合约功能执行模块;The receiver terminal wallet contract function execution module is used to generate the receiving address information, and display the receiving address information so that the receiving user can confirm the receiving address information, and the receiver terminal security module signed The receiving address information is sent to the payer terminal wallet contract function execution module; 所述接收方终端安全模块用于在接收方用户确认收款地址信息无误之后,使用接收方钱包私钥签名所述收款地址信息;The receiver terminal security module is used to sign the receiver address information with the receiver wallet private key after the receiver user confirms that the receiver address information is correct; 所述付款方终端钱包合约功能执行模块用于验证接收到的签名之后的收款地址信息,验证通过之后生成转币请求,并显示所述转币请求以便付款方用户对所述转币请求进行确认,然后将确认之后的转币请求发送至付款方终端安全模块进行签名,以及在验证付款方终端安全模块签名后的转币请求通过之后,按照预设匹配规则生成转币指令,以及将付款方终端安全模块签名之后的转币指令发送至付款方数字货币钱包服务端;The wallet contract function execution module of the payer's terminal is used to verify the receiving address information after the signature is received, generate a currency transfer request after the verification is passed, and display the currency transfer request so that the payer user can complete the currency transfer request. Confirm, and then send the confirmed currency transfer request to the payer terminal security module for signature, and after verifying the currency transfer request after the signature of the payer terminal security module is passed, generate a currency transfer instruction according to the preset matching rules, and send the payment The currency transfer instruction signed by the terminal security module of the party is sent to the digital currency wallet server of the payer; 所述付款方终端安全模块用于在付款方用户确认转币请求无误之后,使用付款方钱包私钥签名所述转币请求,以及在付款方用户确认所述转币指令无误之后,使用付款方钱包私钥签名转币指令。The payer terminal security module is used to use the payer wallet private key to sign the transfer request after the payer user confirms that the transfer request is correct, and after the payer user confirms that the transfer instruction is correct, use the payer The wallet private key signs the currency transfer command. 17.根据权利要求15所述的系统,其特征在于,所述登记中心在执行转币操作之前,还用于判断转币指令是否正确,以及向所述接收方数字货币钱包服务端请求判断所述转币指令对应的收款地址信息是否正确。17. The system according to claim 15, wherein the registration center is also used to judge whether the instruction of transferring currency is correct before executing the currency transfer operation, and to request the receiving party’s digital currency wallet server to determine the Whether the receiving address information corresponding to the above currency transfer instruction is correct.
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