CN111144879B - IDA-based digital wallet initializing and using method and system - Google Patents
IDA-based digital wallet initializing and using method and system Download PDFInfo
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- CN111144879B CN111144879B CN201911370963.XA CN201911370963A CN111144879B CN 111144879 B CN111144879 B CN 111144879B CN 201911370963 A CN201911370963 A CN 201911370963A CN 111144879 B CN111144879 B CN 111144879B
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
Abstract
The invention provides a method and a device for initializing a digital wallet based on IDA, wherein the method comprises the following steps: calculating and generating an SM3 digital abstract according to the real electronic bank account number of the user; dividing 256 digits of the SM3 digital abstract into two groups and performing exclusive OR operation; dividing the result of the exclusive OR operation into 26 subgroups; converting binary values of each of the 26 packets into decimal numbers, respectively; searching character representations corresponding to the decimal values in the coding dictionary respectively, and splicing the character representations into a character string in sequence, wherein the character string is the digital wallet ID; applying a key to a key center, calculating and generating a private key corresponding to the ID of the digital wallet by the key center, returning the private key and storing the private key in key safety equipment of the digital wallet; the merchant bank is applied for the opening of the digital wallet ID and signed with the merchant bank's private key. According to the scheme of the invention, the security of the encrypted digital currency in the digital wallet is ensured.
Description
Technical Field
The invention relates to the technical field of computers and information security, in particular to an IDA-based digital wallet initializing and using method and system.
Background
Since 2014, the chinese people's bank has studied 5 years digital money. The national people banking in 8 2019 formally defines policies regarding digital money: the system is a double-layer architecture operation system operated by a central office for issuing digital currency of China and commercial banks, and a central management mode is adhered to; secondly, the digital currency pays attention to the substitution of M0, but not the substitution of M1 and M2; thirdly, the technical route of the digital currency is not limited, and each commercial bank can select the adaptive technology by itself, so that the technical route is optimized through marketization competition.
In order to ensure the security of digital currency, encryption digital currency based on cryptographic technology is required, and at present, the mature cryptographic technology PKI CA system exists in the prior art, and the block chain technology is also interesting in recent years. However, it is difficult for both PKI CA and blockchain technologies to achieve the processing power of 30 tens of thousands of transactions per second proposed by the central office, and PKI CA and blockchain technologies are far from this processing power.
Disclosure of Invention
In order to solve the technical problems, the invention provides an IDA-based digital wallet initializing and using method and system, which are used for solving the technical problems that the processing capacity of a PKI CA system and a blockchain technology in the prior art cannot meet the processing capacity requirement of the digital wallet.
According to a first aspect of the present invention, there is provided a method of IDA-based digital wallet initialization, the method performing the steps of:
step S101: calculating and generating an SM3 digital abstract through SM3 according to a real electronic bank account of a user, wherein the SM3 digital abstract is 256 bits, and each bit is 0 or 1;
step S102: dividing 256 digits of the SM3 digital digest into two groups, the first 128 bits of the 256 digits being a group, i.e., a high 128 bit group, and the last 128 bits being a group, i.e., a low 128 bit group;
step S103: performing exclusive OR operation on the high 128 bit group and the low 128 bit group, namely compressing the SM3 digital abstract of the original 256 bits into 128 bits;
step S104: dividing the compressed 128-bit digits into one group every 5 bits from the high order, and supplementing 0 to the lacking high order with the last group less than 5 bits to obtain 26 groups, namely A 1 …A 26 ；
Step S105: from A 1 To A 26 Converting the binary value of each of the 26 groups into decimal numbers, respectively, and recording the numerical values of the decimal numbers as D 1 …D 26 ；
Step S106: from D 1 To D 26 Searching for character representation S corresponding to the numerical value in the coding dictionary 1 …S 26 Will be from D 1 To D 26 Corresponding 26 characters S 1 To S 26 According to S 1 …S 26 Sequentially spliced into a character string, wherein the character string is the digital wallet ID;
Step S107: applying a key to a key center, calculating and generating a private key corresponding to the digital wallet by the key center according to the digital wallet ID and the private key matrix, returning the private key and storing the private key in key safety equipment of the digital wallet;
step S108: applying for the account opening of the digital wallet ID to a commercial bank, verifying the digital wallet ID by the commercial bank, opening an account for a user in a digital currency system by the commercial bank after the digital wallet ID passes the verification, signing the digital wallet ID by using a private key of the commercial bank, and returning the digital wallet ID to be stored in a personal digital wallet account book corresponding to the digital wallet;
wherein, the coding dictionary consists of Arabic numerals 0-9 and 22 capital English letters from 26 capital English letters, the I, S, O, Z capital English letters are removed;
the personal digital wallet account records transaction information directly related to the person; the commercial bank also has a central ledger for recording all transaction information for the commercial bank.
According to a second aspect of the present invention, there is provided a recharging method for an IDA-based digital wallet, the IDA-based digital wallet being an initialized IDA digital wallet as described above, the recharging method comprising the steps of:
Step S301: the user initiates recharging and inputs the recharging amount;
step S302: the digital wallet generates a recharging application and sends the recharging application to a commercial bank, wherein the application comprises a digital wallet ID, recharging amount, application time, an associated electronic bank account and a signature of a digital wallet private key on the information;
step S303: the commercial bank verifies the recharging application, after verification is passed, the balance of the electronic bank account is exchanged for digital currency, a recharging success notification is generated, and the recharging success notification is sent to a digital wallet and displayed to a user;
step S304: the user verifies the notice signature, confirms the authenticity and the integrity of the notice, and verifies the balance; after passing the verification, inputting digital money Bao Kouling;
step S305: the digital wallet generates a notice for confirming recharging success and sends the notice for confirming to the commercial bank;
the business bank stores the record and signature of the recharging record and the user confirmation notice as a central account book record; the user's digital wallet records the merchant's bank's recharge record and signature as part of the user's personal digital wallet ledger record.
According to a third aspect of the present invention, there is provided a payment method for an IDA-based digital wallet, the IDA-based digital wallet being an initialized IDA digital wallet as described above, the payment method comprising the steps of:
Step S401: the method comprises the steps that a payee inputs a payee amount, generates a payee notification, and provides the payee notification to a payer in a two-dimensional code form; the receipt notification includes a signature of the information by the digital wallet ID of the payee;
step S402: the payer scans the receipt and verifies the authenticity and integrity of the receipt;
step S403: after the verification is passed, the payer agrees to pay, generates a payment confirmation notice, and sends the payment confirmation notice to the commercial bank; the payment confirmation comprises a digital wallet ID of a payer, a signature of an issuer of the digital wallet of the payer to the digital wallet ID of the payer, a digital wallet ID of a payee, a collection amount, collection time, and a global signature of the digital wallet ID of the payer, the issuer of the digital wallet of the payer to the digital wallet ID of the payer, the digital wallet ID of the payee, collection amount and collection time;
step S404: the commercial bank validating the payment confirmation notification;
step S405: after the verification is passed, the commercial bank completes payment and generates a receipt success notification and a payment success notification; sending the notification of successful collection to a collection party, and sending the notification of successful payment to a payment party;
Step S406: the method comprises the steps that a payment receiving party is provided with a payment receiving credential, wherein the payment receiving credential comprises a payment party digital wallet ID, a payment receiving amount, a payment receiving time, a payment receiving item description, a payment receiving party digital wallet ID, a payment receiving amount, a payment receiving time and a payment receiving item description;
wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
According to a fourth aspect of the present invention, there is provided a method of presenting an IDA-based digital wallet, the IDA-based digital wallet being an initialized IDA digital wallet as described above, the method of presenting comprising the steps of:
step S501: the user inputs the presented amount and the digital wallet password, the data wallet generates a presented application, and the presented application is sent to the commercial bank; the present application comprises a digital wallet ID, a present amount, an electronic bank payment account, application time and an integral signature of a payee on the digital wallet ID, the present amount, the electronic bank payment account and the application time;
Step S502: the commercial bank verifies the authenticity and the integrity of the filed application and confirms the legitimacy of the filed application;
step S503: after the verification is passed, the commercial bank completes the cash withdrawal operation, namely the exchange between the digital currency and the RMB is realized, the cash withdrawal amount is deducted from the digital wallet and transferred into the associated electronic bank account; generating a notification of the present invention, wherein the notification of the present invention comprises a serial number, a user digital wallet ID, an associated electronic bank account, a present amount, a present state, and a global signature of the accepted commercial bank to the serial number, the user digital wallet ID, the associated electronic bank account, the present amount and the present state;
step S504: the business bank will offer a digital wallet that returns a successful notification to the user and display it to the user;
step S505: the user inquires the balance change and confirms that the withdrawal is successful;
the business bank side account book stores and presents the application, and the personal digital wallet account book of the presenter stores and presents the successful notification.
According to a fifth aspect of the present invention, there is provided an IDA-based digital wallet generating apparatus, the apparatus comprising:
a digital abstract generating module: the method comprises the steps of calculating and generating an SM3 digital abstract through SM3 according to a real electronic bank account of a user, wherein the SM3 digital abstract is 256 bits, and each bit is 0 or 1;
A first grouping module: the 256 bits used to divide the SM3 digital digest into two groups, the first 128 bits of the 256 bits being a group, i.e., the high 128 bits group, and the last 128 bits being a group, i.e., the low 128 bits group;
and a compression module: the method is used for carrying out exclusive OR operation on the high 128 bit group and the low 128 bit group, namely compressing the SM3 digital digest of the original 256 bits into 128 bits;
and a second grouping module: for grouping the compressed 128-bit digits into groups every 5 bits from the high order, the last group being less than 5 bits, the missing high order being complemented by 0, obtaining 26 groups, namely A 1 …A 26 ；
A first conversion module: for from A 1 To A 26 Converting the binary value of each of the 26 groups into decimal numbers, respectively, and recording the numerical values of the decimal numbers as D 1 …D 26 ；
And a second conversion module: from D 1 To D 26 Searching for character representation S corresponding to the numerical value in the coding dictionary 1 …S 26 Will be from D 1 To D 26 Corresponding 26 characters S 1 To S 26 According to S 1 …S 26 Sequentially spliced into a character string, wherein the character string is the digital wallet ID;
a private key generation module: the key center is used for applying a key to the key center, calculating and generating a private key corresponding to the digital wallet according to the digital wallet ID and the private key matrix, returning the private key and storing the private key in key safety equipment of the digital wallet;
Signature module: the method comprises the steps that an account opening of a digital wallet ID is applied to a commercial bank, the commercial bank verifies the digital wallet ID, after verification, the commercial bank opens an account for a user in a digital currency system, signs the digital wallet ID by using a private key of the commercial bank, and returns the digital wallet ID to be stored in a personal digital wallet account book corresponding to the digital wallet;
wherein, the coding dictionary consists of Arabic numerals 0-9 and 22 capital English letters from 26 capital English letters, the I, S, O, Z capital English letters are removed;
the personal digital wallet account records transaction information directly related to the person; the commercial bank also has a central ledger for recording all transaction information for the commercial bank.
According to a sixth aspect of the present invention, there is provided an IDA-based digital wallet recharging device, the IDA-based digital wallet being an initialized IDA digital wallet as described above, the recharging device comprising:
and the recharging initiating module is used for: initiating recharging by a user, and recording the recharging amount;
the recharging application generating module: the method comprises the steps that a digital wallet generates a recharging application and sends the recharging application to a commercial bank, wherein the application comprises a digital wallet ID, a recharging amount, application time, an associated electronic bank account and a signature of a digital wallet private key on the information;
And a server verification module: the method comprises the steps that a commercial bank verifies the recharging application, after the verification is passed, balance of an electronic bank account is converted into digital currency, a recharging success notification is generated, and the recharging success notification is sent to a digital wallet and displayed to a user;
a user side signature verification module: the method comprises the steps of verifying a notice signature by a user, confirming the authenticity and the integrity of the notice, and checking the balance; after passing the verification, inputting digital money Bao Kouling;
and a confirmation notification module: the method comprises the steps of generating a confirmation recharging success notification by a digital wallet and sending the confirmation notification to a commercial bank;
the business bank stores the record and signature of the recharging record and the user confirmation notice as a central account book record; the user's digital wallet records the merchant's bank's recharge record and signature as part of the user's personal digital wallet ledger record.
According to a seventh aspect of the present invention, there is provided a payment device for an IDA-based digital wallet, the IDA-based digital wallet being an initialized IDA digital wallet as described above, the payment device comprising:
the receipt notification generation module: the method comprises the steps that a payee inputs a payee amount, a payee notification is generated, and the payee notification is provided for a payer in a two-dimensional code form; the receipt notification includes a signature of the information by the digital wallet ID of the payee;
A first verification module: the payment method is used for a payer to scan the payment code and verify the authenticity and integrity of the payment code;
payment confirmation notification module: for, after verification is passed, the payer agrees to the payment, generating a payment confirmation notification, and transmitting the payment confirmation notification to the commercial bank; the payment confirmation comprises a digital wallet ID of a payer, a signature of an issuer of the digital wallet of the payer to the digital wallet ID of the payer, a digital wallet ID of a payee, a collection amount, collection time, and a global signature of the digital wallet ID of the payer, the issuer of the digital wallet of the payer to the digital wallet ID of the payer, the digital wallet ID of the payee, collection amount and collection time;
and a second verification module: for the commercial bank to verify the payment confirmation notification;
and a payment success notification module: after the verification is passed, the commercial bank finishes payment and generates a receipt success notification and a payment success notification; sending the notification of successful collection to a collection party, and sending the notification of successful payment to a payment party;
the receipt generation module: the method comprises the steps that a payment receipt is used for issuing a payment receipt to a payment party, wherein the payment receipt comprises a payment party digital wallet ID, a payment amount, a payment time, a payment item description, a payment party digital wallet ID, a payment amount, a payment time and a payment item description;
Wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
According to an eighth aspect of the present invention, there is provided an IDA-based digital wallet presenting device, the IDA-based digital wallet being an initialized IDA digital wallet as described above, the presenting device comprising:
the presenting application generating module: the system comprises a user, a business bank, a data wallet, a cash register and a cash register, wherein the user inputs the cash register amount and the digital wallet password, and the data wallet generates a cash register application and sends the cash register application to the business bank; the present application comprises a digital wallet ID, a present amount, an electronic bank payment account, application time and an integral signature of a payee on the digital wallet ID, the present amount, the electronic bank payment account and the application time;
and (3) a verification module: the method is used for verifying the authenticity and the integrity of the filed application by the commercial bank and confirming the legitimacy of the filed application;
the device is provided with a power generation module: after the verification is passed, the commercial bank completes the cash withdrawal operation, namely the exchange between the digital currency and the RMB is realized, the cash withdrawal amount is deducted from the digital wallet and transferred into the associated electronic bank account; generating a notification of the present invention, wherein the notification of the present invention comprises a serial number, a user digital wallet ID, an associated electronic bank account, a present amount, a present state, and a global signature of the accepted commercial bank to the serial number, the user digital wallet ID, the associated electronic bank account, the present amount and the present state;
And a notification module: a digital wallet for commercial banking to return a successful notification to the user and to be presented to the user;
and a confirmation module: the method is used for inquiring balance change by a user and confirming successful withdrawal;
the method comprises the steps of storing and presenting an application of a commercial bank account book, and storing and presenting a personal digital wallet account book of a presenter as a successful notification.
According to a ninth aspect of the present invention, there is provided an IDA-based digital wallet initialization system, comprising:
a processor for executing a plurality of instructions;
a memory for storing a plurality of instructions;
wherein the plurality of instructions are for storage by the memory and loading and executing by the processor the IDA-based digital wallet initialization method as described above.
According to a tenth aspect of the present invention, there is provided a computer-readable storage medium having stored therein a plurality of instructions; the plurality of instructions are for loading and executing by the processor the IDA-based digital wallet initialization method as previously described.
According to the scheme of the invention, the security of the digital wallet is ensured by adopting an IDA mechanism, and the data structure and the security processing method of the encrypted digital currency data generation, the data transmission and the data storage of each link of recharging, payment and withdrawal are designed, so that the security of the encrypted digital currency in the digital wallet is ensured, and the possibility of falsifying the encrypted digital currency by forging, such as commercial banks, payees, hackers and the like can be effectively prevented. A complete digital signature evidence chain conforming to the electronic signature method can be provided in each link. The scheme of the application is light and centralized and the calculation distributed at the terminal improves the service processing capacity of the system, the novel encrypted digital currency constructed based on the IDA password not only has good safety, but also can meet the performance index proposed by the central office with lower cost investment, and the safety and feasibility are considered. In addition, the scheme is light and centralized, the high concurrency requirement of the central line can be met, the identification is generated through the electronic bank account, the desensitization of the account is realized, and the requirement of the central line on anonymous payment is met; meanwhile, the commercial bank has the relevance between the digital wallet ID and the electronic bank account, can realize real-name effect in special cases in a traceable way, and can solve the requirement of monitoring special crowds.
The foregoing description is only an overview of the present invention, and is intended to provide a better understanding of the present invention, as it is embodied in the following description, with reference to the preferred embodiments of the present invention and the accompanying drawings.
Drawings
The accompanying drawings, which are included to provide a further understanding of the invention, illustrate the invention and together with the description serve to explain the invention. In the drawings:
FIG. 1 is a flow chart of a method of IDA-based digital wallet initialization in accordance with one embodiment of the invention;
FIG. 2 is an interaction diagram of IDA-based digital wallet initialization of one embodiment of the invention;
FIG. 3 is an interaction diagram of IDA-based digital wallet refill in accordance with one embodiment of the present invention;
FIG. 4 is an interaction diagram of IDA-based digital wallet payment in accordance with one embodiment of the invention;
FIG. 5 is an interaction diagram of IDA-based digital wallet presentation of one embodiment of the invention;
fig. 6 is a block diagram of a device for IDA-based digital wallet initialization according to an embodiment of the present invention.
Detailed Description
In order to make the objects, technical solutions and advantages of the present invention more apparent, the technical solutions of the present invention will be clearly and completely described below with reference to specific embodiments of the present invention and corresponding drawings. It will be apparent that the described embodiments are only some, but not all, embodiments of the invention. All other embodiments, which can be made by those skilled in the art based on the embodiments of the invention without making any inventive effort, are intended to be within the scope of the invention.
IDA is an abbreviation of "Identity authentication", i.e. identity authentication, is an identity-based security authentication system.
First, the method for initializing an IDA-based digital wallet of the present invention will be described with reference to fig. 1-2, fig. 1 shows a flowchart of a method for initializing an IDA-based digital wallet according to an embodiment of the present invention, and fig. 2 is an interactive diagram of an IDA-based digital wallet initialization according to an embodiment of the present invention. As shown in fig. 1, the method comprises the steps of:
step S101: calculating and generating an SM3 digital abstract through SM3 according to a real electronic bank account of a user, wherein the SM3 digital abstract is 256 bits, and each bit is 0 or 1;
step S102: dividing 256 digits of the SM3 digital digest into two groups, the first 128 bits of the 256 digits being a group, i.e., a high 128 bit group, and the last 128 bits being a group, i.e., a low 128 bit group;
step S103: performing exclusive OR operation on the high 128 bit group and the low 128 bit group, namely compressing the SM3 digital abstract of the original 256 bits into 128 bits;
step S104: dividing the compressed 128-bit digits into one group every 5 bits from the high order, and supplementing 0 to the lacking high order with the last group less than 5 bits to obtain 26 groups, namely A 1 …A 26 ；
Step S105: from A 1 To A 26 Converting the binary value of each of the 26 groups into decimal numbers, respectively, and recording the numerical values of the decimal numbers as D 1 …D 26 ；
Step S106: from D 1 To D 26 Searching for character representation S corresponding to the numerical value in the coding dictionary 1 …S 26 Will be from D 1 To D 26 Corresponding 26 characters S 1 To S 26 According to S 1 …S 26 Sequentially spliced into a character string, wherein the character string is the digital wallet ID;
the digital wallet ID is also referred to as a digital wallet account;
step S107: applying a key to a key center, calculating and generating a private key corresponding to the digital wallet by the key center according to the digital wallet ID and the private key matrix, returning the private key and storing the private key in key safety equipment of the digital wallet;
the key safety device comprises a U shield, a TF card, an intelligent IC card, a safety chip and a software shield.
Step S108: applying for the account opening of the digital wallet ID to a commercial bank, verifying the digital wallet ID by the commercial bank, opening an account for a user in a digital currency system by the commercial bank after the digital wallet ID passes the verification, signing the digital wallet ID by using a private key of the commercial bank, and returning the digital wallet ID to be stored in a personal digital wallet account book corresponding to the digital wallet;
the coding dictionary consists of Arabic numerals 0-9 and 22 capital English letters, among 26 capital English letters, after I, S, O, Z are removed;
The personal digital wallet account records transaction information directly related to the person; the commercial bank also has a central ledger for recording all transaction information for the commercial bank.
In the steps S105-S106, for example, the binary value of 5 bits of a certain group is 01011, the corresponding decimal number is 11, the decimal number 0 corresponds to the 1 st character 0 of the coding dictionary, and so on, the 12 th character in the coding dictionary is found, which corresponds to the character "B".
The embodiment integrates account book center management and personal distributed management, the center account book records all transaction information, and the personal digital wallet account book records transaction information directly related to individuals. The account of the IDA-based digital money scheme is made anonymously. The digital wallet ID, which may also be referred to as the account identification of the digital wallet, is anonymous to third parties other than the commercial bank where the digital wallet is open. The generation of the digital wallet ID is based on the electronic bank account number, i.e., W, associated with the digital wallet ID ID =encode (SMS (electronic bank account)).
The generation of the digital wallet ID and the corresponding key application of the present embodiment are necessary conditions for digital wallet initialization, after which the digital wallet can be used. The digital wallet initialization method requires the commercial bank and the digital wallet to apply a private key to the IDA key center with their account identification. The key center calculates and generates an identification key of an identification corresponding to the digital wallet according to the identification of the application, wherein the structure of the identification key is as follows:
The main application functions of the digital wallet include recharging, payment and presentation. After the digital wallet is initialized, recharging, paying and presenting operations of the digital wallet can be performed.
Recharging is the process of converting funds of an account corresponding to an electronic bank account number into digital currency. The commercial bank writes corresponding digital currency into a digital wallet of the user according to the recharging amount, and the commercial bank carries out digital signature on the transaction and sends the transaction to the digital wallet of the user; the user verifies the transaction signature and checks whether the digital currency is in charge, and after the confirmation, a confirmation notice of the digital wallet ID signature is sent back to the commercial bank; the commercial bank verifies, signs and saves the confirmation notice.
The following describes a method flow of IDA-based digital wallet recharging according to an embodiment of the present invention with reference to fig. 3. The digital wallet recharging method based on IDA comprises the following steps:
step S301: the user initiates recharging and inputs the recharging amount;
step S302: the digital wallet generates a recharging application and sends the recharging application to a commercial bank, wherein the application comprises a digital wallet ID, recharging amount, application time, an associated electronic bank account and a signature of a digital wallet private key on the information;
Step S303: the commercial bank verifies the recharging application, after verification is passed, the balance of the electronic bank account is exchanged for digital currency, a recharging success notification is generated, and the recharging success notification is sent to a digital wallet and displayed to a user;
namely deducting the recharging amount from the electronic bank account and adding the digital currency corresponding to the recharging amount into the digital wallet of the user.
Step S304: the user verifies the notice signature, confirms the authenticity and the integrity of the notice, and verifies the balance; after passing the verification, inputting digital money Bao Kouling;
step S305: the digital wallet generates a notice for confirming recharging success and sends the notice for confirming to the commercial bank;
the business bank stores the record and signature of the recharging record and the user confirmation notice as a central account book record; the user's digital wallet records the merchant's bank's recharge record and signature as part of the user's personal digital wallet ledger record.
The data structure of the digital signature in the present application is as follows:
the operations involved in the recharging process are atomic operations. If any step in the middle is wrong or aborted, the recharging operation fails, funds return to the electronic payment account, and the commercial bank stores records and signatures of recharging transaction and user confirmation notification as a bank account book, namely a central account book record; the user's digital wallet then records the bank's top-up transaction and signature as part of the user's personal digital wallet ledger record. The key data related to the recharging process comprises recharging records and confirmation notices. The recharging record is issued by a commercial bank and comprises two parts of recorded data content and signature data, the signature algorithm adopts a national secret SM2 digital signature protocol, and the recharging record has the following data structure:
The confirmation notification is the confirmation of the recharging result by the user, and the user verifies the recharging record signature and the digital wallet and the successful recharging confirmation written to the commercial bank after the balance of the electronic bank account is changed. The confirmation notification comprises the confirmation content and the signature of the user digital wallet to the confirmation content, wherein the data structure of the confirmation notification is as follows:
the following describes a method flow of IDA-based digital wallet payment in accordance with one embodiment of the invention in conjunction with fig. 4. Payment involves three parties, the payer, the payee, and the commercial bank. The IDA-based digital wallet payment method comprises the following steps:
step S401: the method comprises the steps that a payee inputs a payee amount, generates a payee notification, and provides the payee notification to a payer in a two-dimensional code form; the receipt notification includes a signature of the information by the digital wallet ID of the payee;
step S402: the payer scans the receipt and verifies the authenticity and integrity of the receipt;
step S403: after the verification is passed, the payer agrees to pay, generates a payment confirmation notice, and sends the payment confirmation notice to the commercial bank; the payment confirmation comprises a digital wallet ID of a payer, a signature of an issuer of the digital wallet of the payer to the digital wallet ID of the payer, a digital wallet ID of a payee, a collection amount, collection time, and a global signature of the digital wallet ID of the payer, the issuer of the digital wallet of the payer to the digital wallet ID of the payer, the digital wallet ID of the payee, collection amount and collection time;
Step S404: the commercial bank validating the payment confirmation notification;
step S405: after the verification is passed, the commercial bank completes payment and generates a receipt success notification and a payment success notification; sending the notification of successful collection to a collection party, and sending the notification of successful payment to a payment party;
step S406: the method comprises the steps that a payment receiving party is provided with a payment receiving credential, wherein the payment receiving credential comprises a payment party digital wallet ID, a payment receiving amount, a payment receiving time, a payment receiving item description, a payment receiving party digital wallet ID, a payment receiving amount, a payment receiving time and a payment receiving item description;
wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
The key evidentiary class data related to the IDA-based digital wallet payment of the present embodiment includes a receipt notification, a payment notification, a receipt success notification, a payment success notification, and a receipt.
The receipt notification is receipt information presented to the payer by the payee, and is generally provided to the payer in a two-dimensional code manner, and the data structure of the receipt notification is as follows:
the payment confirmation is the approval payment receipt issued to the commercial bank after the payment notification presented by the payment party to the payment party passes the verification, and the data structure is as follows:
the commercial bank receives the payment confirmation, and executes the payment after verification, namely deducts the payment amount from the digital wallet of the payer and adds the corresponding amount to the digital wallet of the payee, and simultaneously sends a notification of successful collection to the payee, and sends a notification of successful collection to the payer, wherein the data structure of the notification of successful collection is as follows:
the data structure of the payment success notification is:
the receipt is sent to the payer after the payee confirms that the receipt is successful, and the data structure is as follows:
wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
The following describes the flow of the method of IDA-based digital wallet rendering according to one embodiment of the present invention in conjunction with fig. 5. The proposal is a process in which a user exchanges digital currency in his digital wallet to a commercial bank for an electronic bank payment account balance, which involves a change in the digital wallet balance. The digital wallet presenting method based on IDA comprises the following steps:
Step S501: the user inputs the presented amount and the digital wallet password, the data wallet generates a presented application, and the presented application is sent to the commercial bank; the present application comprises a digital wallet ID, a present amount, an electronic bank payment account, application time and an integral signature of a payee on the digital wallet ID, the present amount, the electronic bank payment account and the application time;
step S502: the commercial bank verifies the authenticity and the integrity of the filed application and confirms the legitimacy of the filed application;
step S503: after the verification is passed, the commercial bank completes the cash withdrawal operation, namely the exchange between the digital currency and the RMB is realized, the cash withdrawal amount is deducted from the digital wallet and transferred into the associated electronic bank account; generating a notification of the present invention, wherein the notification of the present invention comprises a serial number, a user digital wallet ID, an associated electronic bank account, a present amount, a present state, and a global signature of the accepted commercial bank to the serial number, the user digital wallet ID, the associated electronic bank account, the present amount and the present state;
step S504: the business bank will offer a digital wallet that returns a successful notification to the user and display it to the user;
Step S505: the user inquires the balance change and confirms that the withdrawal is successful;
the business bank side account book stores and presents the application, and the personal digital wallet account book of the presenter stores and presents the successful notification.
The embodiment must be executable by the user's authorized commercial banking party, and the primary evidence-like data of the rendering process includes rendering applications and rendering as successful notifications.
In this embodiment, the present application is initiated by the payee through the digital wallet and submitted to the commercial bank, and the data structure is:
after receiving the presenting application, the commercial bank verifies that the signature passes and then executes the presenting operation, and after the signature passes, the commercial bank sends a presenting success notification to the digital wallet of the presenter, wherein the data structure of the presenting success notification is as follows:
the business bank side account book stores and presents the application, and the personal digital wallet account book of the presenter stores and presents the successful notification.
The confirmation of the success of the withdrawal is carried out by querying the associated electronic bank account, not included in the digital wallet category, so that the notification of the success of the withdrawal cannot be sent to the commercial bank.
The embodiment of the invention further provides an IDA-based digital wallet initializing device, as shown in fig. 6, which comprises:
a digital abstract generating module: the method comprises the steps of calculating and generating an SM3 digital abstract through SM3 according to a real electronic bank account of a user, wherein the SM3 digital abstract is 256 bits, and each bit is 0 or 1;
A first grouping module: the 256 bits used to divide the SM3 digital digest into two groups, the first 128 bits of the 256 bits being a group, i.e., the high 128 bits group, and the last 128 bits being a group, i.e., the low 128 bits group;
and a compression module: the method is used for carrying out exclusive OR operation on the high 128 bit group and the low 128 bit group, namely compressing the SM3 digital digest of the original 256 bits into 128 bits;
and a second grouping module: for grouping the compressed 128-bit digits into groups every 5 bits from the high order, the last group being less than 5 bits, the missing high order being complemented by 0, obtaining 26 groups, namely A 1 …A 26 ；
A first conversion module: for from A 1 To A 26 Converting the binary value of each of the 26 groups into decimal numbers, respectively, and recording the numerical values of the decimal numbers as D 1 …D 26 ；
And a second conversion module: from D 1 To D 26 Searching for character representation S corresponding to the numerical value in the coding dictionary 1 …S 26 Will be from D 1 To D 26 Corresponding 26 characters S 1 To S 26 According to S 1 …S 26 Sequentially spliced into a character string, wherein the character string is the digital wallet ID;
a private key generation module: the key center is used for applying a key to the key center, calculating and generating a private key corresponding to the digital wallet according to the digital wallet ID and the private key matrix, returning the private key and storing the private key in key safety equipment of the digital wallet;
Signature module: the method comprises the steps that an account opening of a digital wallet ID is applied to a commercial bank, the commercial bank verifies the digital wallet ID, after verification, the commercial bank opens an account for a user in a digital currency system, signs the digital wallet ID by using a private key of the commercial bank, and returns the digital wallet ID to be stored in a personal digital wallet account book corresponding to the digital wallet;
wherein, the coding dictionary consists of Arabic numerals 0-9 and 22 capital English letters from 26 capital English letters, the I, S, O, Z capital English letters are removed;
the personal digital wallet account records transaction information directly related to the person; the commercial bank also has a central ledger for recording all transaction information for the commercial bank.
The embodiment of the invention further provides a recharging device for the IDA-based digital wallet, wherein the IDA-based digital wallet is the initialized IDA digital wallet as described above, and the recharging device comprises:
and the recharging initiating module is used for: initiating recharging by a user, and recording the recharging amount;
the recharging application generating module: the method comprises the steps that a digital wallet generates a recharging application and sends the recharging application to a commercial bank, wherein the application comprises a digital wallet ID, a recharging amount, application time, an associated electronic bank account and a signature of a digital wallet private key on the information;
And a server verification module: the method comprises the steps that a commercial bank verifies the recharging application, after the verification is passed, balance of an electronic bank account is converted into digital currency, a recharging success notification is generated, and the recharging success notification is sent to a digital wallet and displayed to a user;
a user side signature verification module: the method comprises the steps of verifying a notice signature by a user, confirming the authenticity and the integrity of the notice, and checking the balance; after passing the verification, inputting digital money Bao Kouling;
and a confirmation notification module: the method comprises the steps of generating a confirmation recharging success notification by a digital wallet and sending the confirmation notification to a commercial bank;
the business bank stores the record and signature of the recharging record and the user confirmation notice as a central account book record; the user's digital wallet records the merchant's bank's recharge record and signature as part of the user's personal digital wallet ledger record.
The embodiment of the invention further provides a payment device of the IDA-based digital wallet, wherein the IDA-based digital wallet is the initialized IDA digital wallet, and the payment device comprises:
the receipt notification generation module: the method comprises the steps that a payee inputs a payee amount, a payee notification is generated, and the payee notification is provided for a payer in a two-dimensional code form; the receipt notification includes a signature of the information by the digital wallet ID of the payee;
A first verification module: the payment method is used for a payer to scan the payment code and verify the authenticity and integrity of the payment code;
payment confirmation notification module: for, after verification is passed, the payer agrees to the payment, generating a payment confirmation notification, and transmitting the payment confirmation notification to the commercial bank; the payment confirmation comprises a digital wallet ID of a payer, a signature of an issuer of the digital wallet of the payer to the digital wallet ID of the payer, a digital wallet ID of a payee, a collection amount, collection time, and a global signature of the digital wallet ID of the payer, the issuer of the digital wallet of the payer to the digital wallet ID of the payer, the digital wallet ID of the payee, collection amount and collection time;
and a second verification module: for the commercial bank to verify the payment confirmation notification;
and a payment success notification module: after the verification is passed, the commercial bank finishes payment and generates a receipt success notification and a payment success notification; sending the notification of successful collection to a collection party, and sending the notification of successful payment to a payment party;
the receipt generation module: the method comprises the steps that a payment receipt is used for issuing a payment receipt to a payment party, wherein the payment receipt comprises a payment party digital wallet ID, a payment amount, a payment time, a payment item description, a payment party digital wallet ID, a payment amount, a payment time and a payment item description;
Wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
The embodiment of the invention further provides a digital wallet presenting device based on IDA, wherein the digital wallet based on IDA is an initialized IDA digital wallet as described above, and the presenting device comprises:
the presenting application generating module: the system comprises a user, a business bank, a data wallet, a cash register and a cash register, wherein the user inputs the cash register amount and the digital wallet password, and the data wallet generates a cash register application and sends the cash register application to the business bank; the present application comprises a digital wallet ID, a present amount, an electronic bank payment account, application time and an integral signature of a payee on the digital wallet ID, the present amount, the electronic bank payment account and the application time;
and (3) a verification module: the method is used for verifying the authenticity and the integrity of the filed application by the commercial bank and confirming the legitimacy of the filed application;
the device is provided with a power generation module: after the verification is passed, the commercial bank completes the cash withdrawal operation, namely the exchange between the digital currency and the RMB is realized, the cash withdrawal amount is deducted from the digital wallet and transferred into the associated electronic bank account; generating a notification of the present invention, wherein the notification of the present invention comprises a serial number, a user digital wallet ID, an associated electronic bank account, a present amount, a present state, and a global signature of the accepted commercial bank to the serial number, the user digital wallet ID, the associated electronic bank account, the present amount and the present state;
And a notification module: a digital wallet for commercial banking to return a successful notification to the user and to be presented to the user;
and a confirmation module: the method is used for inquiring balance change by a user and confirming successful withdrawal;
the method comprises the steps of storing and presenting an application of a commercial bank account book, and storing and presenting a personal digital wallet account book of a presenter as a successful notification.
The embodiment of the invention further provides an IDA-based digital wallet initialization system, which comprises:
a processor for executing a plurality of instructions;
a memory for storing a plurality of instructions;
wherein the plurality of instructions are for storage by the memory and loading and executing by the processor the IDA-based digital wallet initialization method as described above.
The embodiment of the invention further provides a computer readable storage medium, wherein a plurality of instructions are stored in the storage medium; the plurality of instructions are for loading and executing by the processor the IDA-based digital wallet initialization method as previously described.
It should be noted that, without conflict, the embodiments of the present invention and features of the embodiments may be combined with each other.
In the several embodiments provided in the present invention, it should be understood that the disclosed systems, devices, and methods may be implemented in other manners. For example, the apparatus embodiments described above are merely illustrative, e.g., the division of the elements is merely a logical function division, and there may be additional divisions when actually implemented, e.g., multiple elements or components may be combined or integrated into another system, or some features may be omitted or not performed. Alternatively, the coupling or direct coupling or communication connection shown or discussed with each other may be an indirect coupling or communication connection via some interfaces, devices or units, which may be in electrical, mechanical or other form.
The units described as separate units may or may not be physically separate, and units shown as units may or may not be physical units, may be located in one place, or may be distributed on a plurality of network units. Some or all of the units may be selected according to actual needs to achieve the purpose of the solution of this embodiment.
In addition, each functional unit in the embodiments of the present invention may be integrated in one processing unit, or each unit may exist alone physically, or two or more units may be integrated in one unit. The integrated units may be implemented in hardware or in hardware plus software functional units.
The integrated units implemented in the form of software functional units described above may be stored in a computer readable storage medium. The software functional unit is stored in a storage medium, and includes several instructions for making a computer device (which may be a personal computer, a physical machine Server, or a network cloud Server, etc., and need to install a Windows or Windows Server operating system) execute part of the steps of the methods described in the embodiments of the present invention. And the aforementioned storage medium includes: a U-disk, a removable hard disk, a Read-Only Memory (ROM), a random access Memory (Random Access Memory, RAM), a magnetic disk, or an optical disk, or other various media capable of storing program codes.
The above description is only of the preferred embodiments of the present invention, and is not intended to limit the present invention in any way, but any simple modification, equivalent variation and modification made to the above embodiments according to the technical substance of the present invention still fall within the scope of the technical solution of the present invention.
Claims (10)
1. A method of digital wallet initialization based on identification authentication IDA (Identity authentication), the method comprising the steps of:
step S101: calculating and generating an SM3 digital abstract through SM3 according to a real electronic bank account of a user, wherein the SM3 digital abstract is 256 bits, and each bit is 0 or 1;
step S102: dividing 256 digits of the SM3 digital digest into two groups, the first 128 bits of the 256 digits being a group, i.e., a high 128 bit group, and the last 128 bits being a group, i.e., a low 128 bit group;
step S103: performing exclusive OR operation on the high 128 bit group and the low 128 bit group, namely compressing the SM3 digital abstract of the original 256 bits into 128 bits;
step S104: dividing the compressed 128-bit digits into one group every 5 bits from the high order, and supplementing 0 to the lacking high order with the last group less than 5 bits to obtain 26 groups, namely A 1 …A 26 ；
Step S105: from A 1 To A 26 Converting the binary value of each of the 26 groups into decimal numbers, respectively, and recording the numerical values of the decimal numbers as D 1 …D 26 ；
Step S106: from D 1 To D 26 Searching the code dictionary and the value pair respectivelyThe corresponding character represents S 1 …S 26 Will be from D 1 To D 26 Corresponding 26 characters S 1 To S 26 According to S 1 …S 26 Sequentially spliced into a character string, wherein the character string is the digital wallet ID;
step S107: applying for a key from a key center, calculating and generating a private key corresponding to the digital wallet ID according to the digital wallet ID and the private key matrix by the key center, returning the private key and storing the private key in key safety equipment of the digital wallet;
step S108: applying for the account opening of the digital wallet ID to a commercial bank, verifying the digital wallet ID by the commercial bank, opening an account for a user in a digital currency system by the commercial bank after the digital wallet ID passes the verification, signing the digital wallet ID by using a private key of the commercial bank, and returning the digital wallet ID to be stored in a personal digital wallet account book corresponding to the digital wallet;
wherein, the coding dictionary consists of Arabic numerals 0-9 and 22 capital English letters from 26 capital English letters, the I, S, O, Z capital English letters are removed;
the personal digital wallet account records transaction information directly related to the person; the commercial bank also has a central ledger for recording all transaction information for the commercial bank.
2. A method of recharging an identification authentication IDA-based digital wallet, the identification authentication IDA-based digital wallet being the initialized identification authentication IDA digital wallet of claim 1, the method of recharging comprising the steps of:
step S301: the user initiates recharging and inputs the recharging amount;
step S302: the digital wallet generates a recharging application and sends the recharging application to a commercial bank, wherein the application comprises a digital wallet ID, recharging amount, application time, an associated electronic bank account and a signature of a digital wallet private key on the information;
step S303: the commercial bank verifies the recharging application, after verification is passed, the balance of the electronic bank account is exchanged for digital currency, a recharging success notification is generated, and the recharging success notification is sent to a digital wallet and displayed to a user;
step S304: the user verifies the notice signature, confirms the authenticity and the integrity of the notice, and verifies the balance; after passing the verification, inputting digital money Bao Kouling;
step S305: the digital wallet generates a notice for confirming recharging success and sends the notice for confirming to the commercial bank;
the business bank stores the record and signature of the recharging record and the user confirmation notice as a central account book record; the user's digital wallet records the merchant's bank's recharge record and signature as part of the user's personal digital wallet ledger record.
3. A method of identity authentication IDA-based digital wallet payment, the identity authentication IDA-based digital wallet being the initialized identity authentication IDA digital wallet of claim 1, the method of payment comprising the steps of:
step S401: the method comprises the steps that a payee inputs a payee amount, generates a payee notification, and provides the payee notification to a payer in a two-dimensional code form; the receipt notification includes a signature of the information by the digital wallet ID of the payee;
step S402: the payer scans the receipt and verifies the authenticity and integrity of the receipt;
step S403: after the verification is passed, the payer agrees to pay, generates a payment confirmation notice, and sends the payment confirmation notice to the commercial bank; the payment confirmation comprises a digital wallet ID of a payer, a signature of an issuer of the digital wallet of the payer to the digital wallet ID of the payer, a digital wallet ID of a payee, a collection amount, collection time, and a global signature of the digital wallet ID of the payer, the issuer of the digital wallet of the payer to the digital wallet ID of the payer, the digital wallet ID of the payee, collection amount and collection time;
Step S404: the commercial bank validating the payment confirmation notification;
step S405: after the verification is passed, the commercial bank completes payment and generates a receipt success notification and a payment success notification; sending the notification of successful collection to a collection party, and sending the notification of successful payment to a payment party;
step S406: the method comprises the steps that a payment receiving party is provided with a payment receiving credential, wherein the payment receiving credential comprises a payment party digital wallet ID, a payment receiving amount, a payment receiving time, a payment receiving item description, a payment receiving party digital wallet ID, a payment receiving amount, a payment receiving time and a payment receiving item description;
wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
4. A method of digital wallet rendering based on identification authentication IDA, the digital wallet based on identification authentication IDA being the initialized identification authentication IDA digital wallet of claim 1, the method of rendering comprising the steps of:
Step S501: the user inputs the presented amount and the digital wallet password, the data wallet generates a presented application, and the presented application is sent to the commercial bank; the present application comprises a digital wallet ID, a present amount, an electronic bank payment account, application time and an integral signature of a payee on the digital wallet ID, the present amount, the electronic bank payment account and the application time;
step S502: the commercial bank verifies the authenticity and the integrity of the filed application and confirms the legitimacy of the filed application;
step S503: after the verification is passed, the commercial bank finishes the cash-out operation, deducts the cash-out amount from the digital wallet and transfers the cash-out amount to the associated electronic bank account; generating a notification of the present invention, wherein the notification of the present invention comprises a serial number, a user digital wallet ID, an associated electronic bank account, a present amount, a present state, and a global signature of the accepted commercial bank to the serial number, the user digital wallet ID, the associated electronic bank account, the present amount and the present state;
step S504: the business bank will offer a digital wallet that returns a successful notification to the user and display it to the user;
step S505: the user inquires the balance change and confirms that the withdrawal is successful;
The business bank side account book stores and presents the application, and the personal digital wallet account book of the presenter stores and presents the successful notification.
5. An apparatus for digital wallet initialization based on identity authentication IDA, the apparatus comprising:
a digital abstract generating module: the method comprises the steps of calculating and generating an SM3 digital abstract through SM3 according to a real electronic bank account of a user, wherein the SM3 digital abstract is 256 bits, and each bit is 0 or 1;
a first grouping module: the 256 bits used to divide the SM3 digital digest into two groups, the first 128 bits of the 256 bits being a group, i.e., the high 128 bits group, and the last 128 bits being a group, i.e., the low 128 bits group;
and a compression module: the method is used for carrying out exclusive OR operation on the high 128 bit group and the low 128 bit group, namely compressing the SM3 digital digest of the original 256 bits into 128 bits;
and a second grouping module: for grouping the compressed 128-bit digits into groups every 5 bits from the high order, the last group being less than 5 bits, the missing high order being complemented by 0, obtaining 26 groups, namely A 1 …A 26 ；
A first conversion module: for from A 1 To A 26 Converting the binary value of each of the 26 groups into decimal numbers, respectively, and recording the numerical values of the decimal numbers as D 1 …D 26 ；
And a second conversion module: from D 1 To D 26 Searching for character representation S corresponding to the numerical value in the coding dictionary 1 …S 26 Will be from D 1 To D 26 Corresponding 26 characters S 1 To S 26 According to S 1 ...S 26 Is spliced into a character string in sequence, the characterThe string is the digital wallet ID;
a private key generation module: the key center is used for applying a key to the key center, calculating and generating a private key corresponding to the digital wallet according to the digital wallet ID and the private key matrix, returning the private key and storing the private key in key safety equipment of the digital wallet;
signature module: the method comprises the steps that an account opening of a digital wallet ID is applied to a commercial bank, the commercial bank verifies the digital wallet ID, after verification, the commercial bank opens an account for a user in a digital currency system, signs the digital wallet ID by using a private key of the commercial bank, and returns the digital wallet ID to be stored in a personal digital wallet account book corresponding to the digital wallet;
wherein, the coding dictionary consists of Arabic numerals 0-9 and 22 capital English letters from 26 capital English letters, the I, S, O, Z capital English letters are removed;
the personal digital wallet account records transaction information directly related to the person; the commercial bank also has a central ledger for recording all transaction information for the commercial bank.
6. A digital wallet refill device based on an identification authentication IDA, the digital wallet based on an identification authentication IDA being the initialized identification authentication IDA digital wallet of claim 5, the refill device comprising:
and the recharging initiating module is used for: initiating recharging by a user, and recording the recharging amount;
the recharging application generating module: the method comprises the steps that a digital wallet generates a recharging application and sends the recharging application to a commercial bank, wherein the application comprises a digital wallet ID, a recharging amount, application time, an associated electronic bank account and a signature of a digital wallet private key on the information;
and the server side verification module: the method comprises the steps that a commercial bank verifies the recharging application, after the verification is passed, balance of an electronic bank account is converted into digital currency, a recharging success notification is generated, and the recharging success notification is sent to a digital wallet and displayed to a user;
a user side signature verification module: the method comprises the steps of verifying a notice signature by a user, confirming the authenticity and the integrity of the notice, and checking the balance; after passing the verification, inputting digital money Bao Kouling;
and a confirmation notification module: the method comprises the steps of generating a confirmation recharging success notification by a digital wallet and sending the confirmation notification to a commercial bank;
The business bank stores the record and signature of the recharging record and the user confirmation notice as a central account book record; the user's digital wallet records the merchant's bank's recharge record and signature as part of the user's personal digital wallet ledger record.
7. An identification authentication IDA-based digital wallet payment apparatus, the identification authentication IDA-based digital wallet being the initialized identification authentication IDA digital wallet of claim 5, the payment apparatus comprising:
the receipt notification generation module: the method comprises the steps that a payee inputs a payee amount, a payee notification is generated, and the payee notification is provided for a payer in a two-dimensional code form; the receipt notification includes a signature of the information by the digital wallet ID of the payee;
a first verification module: the payment method is used for a payer to scan the payment code and verify the authenticity and integrity of the payment code;
payment confirmation notification module: for, after verification is passed, the payer agrees to the payment, generating a payment confirmation notification, and transmitting the payment confirmation notification to the commercial bank; the payment confirmation comprises a digital wallet ID of a payer, a signature of an issuer of the digital wallet of the payer to the digital wallet ID of the payer, a digital wallet ID of a payee, a collection amount, collection time, and a global signature of the digital wallet ID of the payer, the issuer of the digital wallet of the payer to the digital wallet ID of the payer, the digital wallet ID of the payee, collection amount and collection time;
And a second verification module: for the commercial bank to verify the payment confirmation notification;
and a payment success notification module: after the verification is passed, the commercial bank finishes payment and generates a receipt success notification and a payment success notification; sending the notification of successful collection to a collection party, and sending the notification of successful payment to a payment party;
the receipt generation module: the method comprises the steps that a payment receipt is used for issuing a payment receipt to a payment party, wherein the payment receipt comprises a payment party digital wallet ID, a payment amount, a payment time, a payment item description, a payment party digital wallet ID, a payment amount, a payment time and a payment item description;
wherein the personal digital wallet account of the payee holds the receipt notification, the receipt success notification and the receipt credentials; the personal digital wallet account of the payer stores the receipt notification, the payment confirmation notification, the payment receipt notification and the receipt; the commercial bank account book holds payment confirmation notification, collection success notification, and payment success notification.
8. An identification authentication IDA-based digital wallet presenting apparatus, the identification authentication IDA-based digital wallet being the initialized identification authentication IDA digital wallet of claim 5, the presenting apparatus comprising:
The presenting application generating module: the digital wallet is used for inputting the cash amount and the digital wallet password, generating a cash application, and sending the cash application to the commercial bank; the present application comprises a digital wallet ID, a present amount, an electronic bank payment account, application time and an integral signature of a payee on the digital wallet ID, the present amount, the electronic bank payment account and the application time;
and (3) a verification module: the method is used for verifying the authenticity and the integrity of the filed application by the commercial bank and confirming the legitimacy of the filed application;
the device is provided with a power generation module: after the verification is passed, the commercial bank completes the cash withdrawal operation, deducts the cash withdrawal amount from the digital wallet and transfers the cash withdrawal amount to the associated electronic bank account; generating a notification of the present invention, wherein the notification of the present invention comprises a serial number, a user digital wallet ID, an associated electronic bank account, a present amount, a present state, and a global signature of the accepted commercial bank to the serial number, the user digital wallet ID, the associated electronic bank account, the present amount and the present state;
and a notification module: a digital wallet for commercial banking to return a successful notification to the user and to be presented to the user;
And a confirmation module: the method is used for inquiring balance change by a user and confirming successful withdrawal;
the method comprises the steps of storing and presenting an application of a commercial bank account book, and storing and presenting a personal digital wallet account book of a presenter as a successful notification.
9. A system for digital wallet initialization based on identification authentication IDA, comprising:
a processor for executing a plurality of instructions;
a memory for storing a plurality of instructions;
wherein the plurality of instructions are for storage by the memory and loading and executing by the processor the method of digital wallet initialization based on identification authentication IDA of claim 1.
10. A computer-readable storage medium having stored therein a plurality of instructions; the plurality of instructions for loading and executing by a processor the method of digital wallet initialization based on identification authentication IDA of claim 1.
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| CN106533661A (en) * | 2016-10-25 | 2017-03-22 | 北京大学 | Online generation method for cryptographic currency address based on combined public key |
| CN106850200A (en) * | 2017-01-25 | 2017-06-13 | 中钞信用卡产业发展有限公司北京智能卡技术研究院 | A kind of method for using the digital cash based on block chain, system and terminal |
| CN107248075A (en) * | 2017-05-19 | 2017-10-13 | 飞天诚信科技股份有限公司 | A kind of method and device for realizing bidirectional authentication of smart secret key equipment and transaction |
| CN110401615A (en) * | 2018-04-24 | 2019-11-01 | 广东工业大学 | A kind of identity identifying method, device, equipment, system and readable storage medium storing program for executing |
| CN109040067A (en) * | 2018-08-02 | 2018-12-18 | 广东工业大学 | A kind of user authentication device and authentication method based on the unclonable technology PUF of physics |
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