CN111639315A - Online banking account management method and online banking account management system - Google Patents
Online banking account management method and online banking account management system Download PDFInfo
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Abstract
The application provides an online bank account management method and an online bank account management system, which are applied to the technical field of online bank, wherein the online bank account management of a user is realized through a block chain management system, and a plurality of online bank accounts can be bound selectively according to the requirements of the user, so that the management of the plurality of online bank accounts of the user based on the block chain management system can be realized, and the problem that the plurality of online bank accounts of the user cannot be uniformly managed and coordinated is solved.
Description
Technical Field
The application relates to the technical field of online banking, in particular to an online banking account management method and an online banking account management system.
Background
With the development of the internet technology, bank users can transact banking businesses such as payment collection and the like by activating the internet bank, and the efficiency and the convenience of transacting the banking businesses by the users are greatly improved.
Based on the consideration of security, a bank usually verifies the identity of a user before the user transacts business, and currently, a UKey is generally used for identity verification, that is, the user can perform identity authentication through corresponding Ukey equipment issued by the bank. However, the internet banks of the banks are independent from each other, and if a user opens the internet banks of multiple banks, the user needs to store multiple authentication media (such as Ukey shield), which is cumbersome to operate, so that the problem in the prior art that multiple internet bank accounts of the user cannot be uniformly managed and coordinated exists.
Disclosure of Invention
The application provides an online banking account management method and an online banking account management system, which solve the problem that a plurality of online banking accounts of a user cannot be uniformly managed and coordinated, and adopt the following technical scheme:
in a first aspect, an online banking account management method is provided, and is used for a blockchain management system, and includes:
the block chain management system receives a user login request;
when the user logs in successfully, a target online bank account binding request is sent to a target bank online bank system through a block chain management system based on an operation instruction of the user, the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to a block chain; the target bank online bank system is used for performing signature verification based on the signature value and the target online bank account information, binding the target online bank account after the verification is passed, and feeding back the binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
and receiving the binding result information fed back by the target bank online banking system.
Optionally, the method comprises:
the binding request information includes request time information;
correspondingly, the signature value is obtained by carrying out signature processing on the target internet bank account information and the request time information through a private key corresponding to the block chain; and the target bank online banking system is used for performing signature verification based on the signature value, the target online banking account information and the request time information.
Optionally, the method comprises:
and uploading the binding request information and the binding result information of the target online bank account to a block chain through a block chain management system.
Optionally, after the target online bank account is bound successfully, the method further includes:
sending a service request aiming at a target online bank account to a target bank online bank system, wherein the service request comprises service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to a block chain; and the target bank online banking system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system.
In a second aspect, an online banking account management method is provided, which is used for a target bank online banking system, and includes:
receiving a target online bank account binding request sent by a block chain management system, wherein the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to a block chain;
performing signature verification based on the signature value and the target online bank account information, and performing binding processing of the target online bank account after the verification is passed, wherein the binding processing comprises sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
and feeding back the binding result information to the block chain management system.
Optionally, the method comprises:
the binding request information includes request time information; correspondingly, the signature value is obtained by carrying out signature processing on the target internet bank account information and the request time information through a private key corresponding to the block chain;
and the target bank online banking system performs signature verification based on the signature value, the target online banking account information and the request time information.
In a third aspect, an online banking account management system is provided, where the online banking account management system includes:
the system comprises a target bank online banking client, a block chain management system and a target bank online banking system; the method comprises the following steps:
the block chain management system is used for receiving a user login request; when the user logs in successfully, the block chain management system sends a target online bank account binding request to a target bank online bank system based on an operation instruction of the user, wherein the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to the block chain;
the target bank online bank system is used for performing signature verification based on the signature value and the target online bank account information, binding the target online bank account after the verification is passed, and feeding back the binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
the target bank online banking client is used for receiving the binding request authentication information sent by the target bank online banking system and feeding back authentication result information determined based on the operation instruction of the user to the target bank online banking system;
and the block chain management system is also used for receiving the binding result information fed back by the target bank online banking system.
Optionally, the online banking account management system includes:
the binding request information includes request time information; correspondingly, the signature value is obtained by carrying out signature processing on the target internet bank account information and the request time information through a private key corresponding to the block chain;
and the target bank online banking system is used for performing signature verification based on the signature value, the target online banking account information and the request time information.
Optionally, the online banking account management system includes:
and the block chain management system is used for uploading the binding request information and the binding result information of the target online bank account to the block chain.
Optionally, after the target online banking account is successfully bound, the online banking account management system further includes:
the block chain management system sends a service request aiming at the target online bank account to the target bank online bank system, the service request comprises service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to the block chain;
and the target bank online banking system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system.
The application provides an online banking account management method and an online banking account management system, wherein a block chain management system receives a user login request; when the user logs in successfully, a target online bank account binding request is sent to a target bank online bank system through a block chain management system based on an operation instruction of the user, the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to a block chain; the target bank online bank system is used for performing signature verification based on the signature value and the target online bank account information, binding the target online bank account after the verification is passed, and feeding back the binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information; and receiving the binding result information fed back by the target bank online banking system. The block chain management system is used for realizing the management of the online banking accounts of the user, wherein the online banking accounts can be bound selectively according to the requirements of the user, so that the management of the online banking accounts of the user based on the block chain management system can be realized, and the problem that the online banking accounts of the user cannot be managed and coordinated in a unified manner is solved.
Additional aspects and advantages of the present application will be set forth in part in the description which follows and, in part, will be obvious from the description, or may be learned by practice of the present application.
Drawings
The foregoing and/or additional aspects and advantages of the present application will become apparent and readily appreciated from the following description of the embodiments, taken in conjunction with the accompanying drawings of which:
fig. 1 is a schematic structural diagram of an online banking account management system according to an embodiment of the present application;
fig. 2 is a schematic flowchart of an online banking account management method according to an embodiment of the present application;
fig. 3 is a flowchart illustrating another online banking account management method according to an embodiment of the present application.
Detailed Description
Reference will now be made in detail to the embodiments of the present application, examples of which are illustrated in the accompanying drawings, wherein like or similar reference numerals refer to the same or similar elements or elements having the same or similar function throughout. The embodiments described below with reference to the drawings are exemplary only for the purpose of explaining the present application and are not to be construed as limiting the present application.
As used herein, the singular forms "a", "an" and "the" are intended to include the plural forms as well, unless the context clearly indicates otherwise. It will be further understood that the terms "comprises" and/or "comprising," when used in this specification, specify the presence of stated features, integers, steps, operations, elements, and/or components, but do not preclude the presence or addition of one or more other features, integers, steps, operations, elements, components, and/or groups thereof. As used herein, the term "and/or" includes all or any element and all combinations of one or more of the associated listed items.
To make the objects, technical solutions and advantages of the present application more clear, embodiments of the present application will be described in further detail below with reference to the accompanying drawings.
The following describes the technical solutions of the present application and how to solve the above technical problems with specific embodiments. The following several specific embodiments may be combined with each other, and details of the same or similar concepts or processes may not be repeated in some embodiments. Embodiments of the present application will be described below with reference to the accompanying drawings.
Example one
The embodiment of the present application provides an online banking account management system 10, as shown in fig. 1, the online banking account management system 10 may include a target bank online banking client 101, a block chain management system 102, and a target bank online banking system 103;
the blockchain management system 102 is configured to receive a user login request; when the user logs in successfully, the block chain management system sends a target online bank account binding request to a target bank online bank system based on an operation instruction of the user, wherein the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to the block chain;
specifically, the user can log in the blockchain management system through a mobile phone, a PAD and other terminal devices, or can log in the blockchain management system through a web terminal; the user can log in the block chain management system based on a conventional account password login mode, a biometric identification login mode or a dynamic verification code verification mode.
The block chain management system can be a block chain management system based on a certain bank online banking system, namely, the management of the private key of the block chain is realized through the bank online banking system based on the identity authentication function and the characteristic of high safety of the bank online banking system, and further the management of the block chain is realized.
After a user logs in a block chain management system, the user sends an online banking account binding request to an online banking system of a target bank according to an online banking account of the target bank which the user wants to bind; the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to the block chain; the method comprises the steps of carrying out hash processing on target internet bank account information to obtain a hash value, and then carrying out private key operation on the hash value to obtain a signature value; the target internet bank account information may include, but is not limited to, account information, and operation authority information (such as transfer authority information, payment authority information, and other service transaction authority information).
The information interaction between the block chain management system and the online banking system of the target bank is realized through a communication interface specially arranged for the target bank.
The target bank online banking system 103 is used for performing signature verification based on the signature value and the target online banking account information, performing binding processing on the target online banking account after the verification is passed, and feeding back the binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
specifically, the target bank online banking system verifies the signature value based on the acquired public key information corresponding to the block chain, and performs binding processing on the target online banking account after the verification is passed.
Wherein the binding process comprises: sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information; the binding request authentication information may include online banking account information and corresponding authority application information (such as payment authority, transfer authority, service handling authority, and the like).
The target bank internet bank client and the block chain management system can be configured or installed on the same terminal device, such as a mobile phone, a PAD, a wearable device and the like.
The target bank online banking client 101 is used for receiving the binding request authentication information sent by the target bank online banking system and feeding back authentication result information determined based on the operation instruction of the user to the target bank online banking system;
after receiving the binding request authentication information sent by the target bank online banking system, the target bank online banking client can directly display the binding request authentication information on a screen, or display the binding request authentication information based on the selection trigger operation of a user, and after the user verifies the binding request authentication information, the user can select whether to allow binding or not to allow binding, or allow binding but readjust the binding authority.
And the block chain management system is also used for receiving the binding result information fed back by the target bank online banking system.
According to the method and the system, the management of the user online bank accounts is realized through the block chain management system, wherein the plurality of online bank accounts can be bound selectively according to the requirements of the user, so that the plurality of online bank accounts of the user can be managed based on the block chain management system, and the problem that the plurality of online bank accounts of the user cannot be managed and coordinated in a unified mode is solved.
The embodiment of the present application provides a possible implementation manner, and the online banking account management system 10 includes:
wherein the binding request information includes request time information; correspondingly, the signature value is obtained by carrying out signature processing on the target internet bank account information and the request time information through a private key corresponding to the block chain;
and the target bank online banking system is used for performing signature verification based on the signature value, the target online banking account information and the request time information.
Specifically, the binding request information includes request time information, and meanwhile, a first id information may be allocated to the current binding request, so that the binding requests may be distinguished. The method can be specifically realized through a corresponding token mechanism.
The embodiment of the application provides a possible implementation manner, and the online banking account management system comprises:
and the block chain management system is used for uploading the binding request information and the binding result information of the target online bank account to the block chain.
Specifically, the blockchain management system is used for uploading the target internet bank account binding request information and the binding result information to the blockchain. Therefore, traceable query of binding request information and binding result information can be achieved. The blockchain may be a federation chain, or a public chain or a private chain depending on a specific application scenario.
The embodiment of the present application provides a possible implementation manner, and after the target online banking account is successfully bound, the online banking account management system further includes:
the block chain management system sends a service request aiming at the target online bank account to the target bank online bank system, the service request comprises service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to the block chain;
and the target bank online banking system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system.
Specifically, after the target online banking account is successfully bound, after the user enters the online banking account management system again, the user can see operation items of the target online banking account, such as transfer transaction, payment transaction and other business transaction, and can select corresponding items to conduct business transaction.
Specifically, the block chain management system sends a service request aiming at a target online bank account to a target bank online bank system, wherein the service request comprises service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to the block chain; illustratively, the service information may be transfer account information, amount information, and the like, and the service information may be changed accordingly based on different specific services.
And the target bank online banking system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system.
Further, the block chain management system uploads the service request and the service transaction result information aiming at the target online bank account to the block chain.
The embodiment of the application provides a possible implementation manner, and further, the unbound target online bank account can be unbound. The method specifically comprises the following steps:
after logging in the block chain management system, a user selects a target online banking account to be deleted, exemplarily, a hard wallet is used for determining the operation transaction, and a disposable Token is generated;
after checking the Token, the target bank online banking system sends related unbinding information to the target online banking client to remind a user of performing online banking authorization removal operation;
the user completes the login of the target bank online bank, confirms in the target bank online bank system, and sets the related operation authority, authorization time, limit management and the like of the allowable block chain;
the target bank online bank system returns the operation result and the updating information to the block chain management system;
and the block chain management system records the calling information on the block chain to finish the unbinding operation of the target bank online bank.
Example two
Fig. 2 is a block chain management system of an online banking account management method according to an embodiment of the present application, including:
step S201, a block chain management system receives a user login request;
step S202, when the user logs in successfully, a target online bank account binding request is sent to a target bank online bank system through a block chain management system based on an operation instruction of the user, the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to a block chain; the target bank online bank system is used for performing signature verification based on the signature value and the target online bank account information, binding the target online bank account after the verification is passed, and feeding back the binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
and step S103, receiving the binding result information fed back by the target bank online banking system.
According to the method and the system, the management of the user online bank accounts is realized through the block chain management system, wherein the plurality of online bank accounts can be bound selectively according to the requirements of the user, so that the plurality of online bank accounts of the user can be managed based on the block chain management system, and the problem that the plurality of online bank accounts of the user cannot be managed and coordinated in a unified mode is solved.
The embodiment of the application provides a possible implementation manner, wherein the binding request information comprises request time information;
correspondingly, the signature value is obtained by carrying out signature processing on the target internet bank account information and the request time information through a private key corresponding to the block chain; and the target bank online banking system is used for performing signature verification based on the signature value, the target online banking account information and the request time information.
The embodiment of the present application provides a possible implementation manner, and the method further includes:
step S104 (not shown in the figure), the target internet banking account binding request information and the binding result information are uploaded to the blockchain through the blockchain management system.
The embodiment of the application provides a possible implementation manner, and after the target online banking account is successfully bound, the method further comprises the following steps:
step S105 (not shown in the figure), sending a service request for the target online banking account to the target bank online banking system, where the service request includes service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to the block chain; the target bank online bank system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system
The online banking account management method of this embodiment may be used in the online banking account management system of the first embodiment, and the implementation principles thereof are similar, and are not described here again.
EXAMPLE III
Fig. 2 is another online banking account management method provided in the embodiment of the present application, which is applied to an online banking system of a target bank, and includes:
step S301, receiving a target online banking account binding request sent by a block chain management system, wherein the target online banking account binding request comprises a signature value and target online banking account information, and the signature value is obtained by performing signature processing on the target online banking account information through a private key corresponding to a block chain;
step S302, signature verification is carried out based on the signature value and the target online bank account information, and binding processing of the target online bank account is carried out after the verification is passed, wherein the binding processing comprises sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
step S303 feeds back the binding result information to the blockchain management system.
According to the method and the system, the management of the user online bank accounts is realized through the block chain management system, wherein the plurality of online bank accounts can be bound selectively according to the requirements of the user, so that the plurality of online bank accounts of the user can be managed based on the block chain management system, and the problem that the plurality of online bank accounts of the user cannot be managed and coordinated in a unified mode is solved.
The embodiment of the application provides a possible implementation manner, wherein the binding request information comprises request time information; correspondingly, the signature value is obtained by carrying out signature processing on the target internet bank account information and the request time information through a private key corresponding to the block chain;
and the target bank online banking system performs signature verification based on the signature value, the target online banking account information and the request time information.
The online banking account management method of this embodiment may be used in the online banking account management system of the first embodiment, and the implementation principles thereof are similar, and are not described here again.
It should be understood that, although the steps in the flowcharts of the figures are shown in order as indicated by the arrows, the steps are not necessarily performed in order as indicated by the arrows. The steps are not performed in the exact order shown and may be performed in other orders unless explicitly stated herein. Moreover, at least a portion of the steps in the flow chart of the figure may include multiple sub-steps or multiple stages, which are not necessarily performed at the same time, but may be performed at different times, which are not necessarily performed in sequence, but may be performed alternately or alternately with other steps or at least a portion of the sub-steps or stages of other steps.
The foregoing is only a partial embodiment of the present application, and it should be noted that, for those skilled in the art, various modifications and decorations can be made without departing from the principle of the present application, and these modifications and decorations should also be regarded as the protection scope of the present application.
Claims (10)
1. The online bank account management method is characterized by being used for a block chain management system and comprising the following steps:
the block chain management system receives a user login request;
when the user logs in successfully, a target online bank account binding request is sent to a target bank online bank system through the block chain management system based on an operation instruction of the user, the target online bank account binding request comprises a signature value and target online bank account information, and the signature value is obtained by carrying out signature processing on the target online bank account information through a private key corresponding to the block chain; the target bank online banking system is used for performing signature verification based on the signature value and the target online banking account information, performing binding processing on a target online banking account after the verification is passed, and feeding back binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online banking client, receiving authentication result information sent by the target bank online banking client, and determining binding result information based on the authentication result information;
and receiving the binding result information fed back by the target bank online banking system.
2. The method of claim 1, characterized in that the method comprises:
the binding request information includes request time information;
correspondingly, the signature value is obtained by carrying out signature processing on target internet bank account information and request time information through a private key corresponding to the block chain; and the target bank online banking system is used for carrying out signature verification based on the signature value, the target online banking account information and the request time information.
3. The method of claim 1, characterized in that the method comprises:
and uploading the binding request information and the binding result information of the target online bank account to a block chain through the block chain management system.
4. The method of any one of claims 1-3, wherein after the target internet banking account binding is successful, the method further comprises:
sending a service request aiming at the target online banking account to a target bank online banking system, wherein the service request comprises service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to a block chain; and the target bank online banking system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system.
5. An online banking account management method is used for a target bank online banking system and comprises the following steps:
receiving a target online banking account binding request sent by a block chain management system, wherein the target online banking account binding request comprises a signature value and target online banking account information, and the signature value is obtained by carrying out signature processing on the target online banking account information through a private key corresponding to a block chain;
performing signature verification based on the signature value and the target online bank account information, and performing binding processing of a target online bank account after the verification is passed, wherein the binding processing comprises sending binding request authentication information to a target bank online bank client, receiving authentication result information sent by the target bank online bank client, and determining binding result information based on the authentication result information;
and feeding back the binding result information to the block chain management system.
6. The method of claim 5, wherein the method comprises:
the binding request information includes request time information; correspondingly, the signature value is obtained by carrying out signature processing on target internet bank account information and request time information through a private key corresponding to the block chain;
and the target bank online banking system carries out signature verification based on the signature value, the target online banking account information and the request time information.
7. An online banking account management system, characterized in that the online banking account management system comprises: the system comprises a target bank online banking client, a block chain management system and a target bank online banking system; the method comprises the following steps:
the block chain management system is used for receiving a user login request; when the user logs in successfully, the block chain management system sends a target online banking account binding request to a target bank online banking system based on an operation instruction of the user, wherein the target online banking account binding request comprises a signature value and target online banking account information, and the signature value is obtained by carrying out signature processing on the target online banking account information through a private key corresponding to a block chain;
the target bank online banking system is used for performing signature verification based on the signature value and the target online banking account information, performing binding processing on a target online banking account after the verification is passed, and feeding back binding result information to the block chain management system; the binding processing comprises the steps of sending binding request authentication information to a target bank online banking client, receiving authentication result information sent by the target bank online banking client, and determining binding result information based on the authentication result information;
the target bank online banking client is used for receiving the binding request authentication information sent by the target bank online banking system and feeding back authentication result information determined based on an operation instruction of a user to the target bank online banking system;
and the block chain management system is also used for receiving the binding result information fed back by the target bank online banking system.
8. The online banking account management system according to claim 7, comprising:
the binding request information includes request time information; correspondingly, the signature value is obtained by carrying out signature processing on target internet bank account information and request time information through a private key corresponding to the block chain;
and the target bank online banking system is used for carrying out signature verification based on the signature value, the target online banking account information and the request time information.
9. The online banking account management system according to claim 7, comprising:
and the block chain management system is used for uploading the target internet bank account binding request information and the binding result information to a block chain.
10. The online banking account management system according to any one of claims 7 to 9, wherein after the target online banking account is successfully bound, the online banking account management system further comprises:
the block chain management system sends a service request aiming at the target online bank account to a target bank online bank system, wherein the service request comprises service information and a second signature value, and the second signature value is obtained by signing the service information based on a private key corresponding to a block chain;
and the target bank online banking system is used for performing signature authentication based on the received service request, performing service handling after the signature authentication is passed, and feeding back service handling result information to the block chain management system.
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