CN112396409A

CN112396409A - Digital resource account binding method, device, equipment and medium

Info

Publication number: CN112396409A
Application number: CN202011360273.9A
Authority: CN
Inventors: 史桂枝; 冀乃庚; 傅宜生; 伍剑钊
Original assignee: China Unionpay Co Ltd
Current assignee: China Unionpay Co Ltd
Priority date: 2020-11-27
Filing date: 2020-11-27
Publication date: 2021-02-23
Anticipated expiration: 2040-11-27
Also published as: CN112396409B

Abstract

The invention discloses a method, a device, equipment and a medium for binding a digital resource account. The method is applied to a resource service system and comprises the following steps: receiving a signing number sent by a target digital resource management mechanism; the signing number is generated by a target digital resource management mechanism under the condition of acquiring a signing request, and the signing number corresponds to the user information contained in the signing request one by one; generating token numbers corresponding to the subscription numbers one by one; correspondingly storing the token number, the target digital resource account number and the subscription number; the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism; sending a token number to the target service organization; so that the target service organization informs the digital resource management organization of the digital resource account number through the token number to transfer the digital resource. According to the embodiment of the invention, the information leakage risk of the digital resource account can be reduced, and the safety of the digital resource of the user is improved.

Description

Digital resource account binding method, device, equipment and medium

Technical Field

The invention belongs to the technical field of digital resource management, and particularly relates to a method, a device, equipment and a medium for binding a digital resource account.

Background

With the wide use of online payment and the gradual evolution of offline payment to digital transactions, some service organizations provide a function of binding digital resource accounts and performing quick payment through the bound digital resource accounts, for example, binding bank cards to perform quick payment.

The method for binding the digital resource account is that a user inputs related information of a digital resource account to be bound in a payment mechanism, the payment mechanism signs a contract with a digital resource management mechanism based on the related information of the digital resource account, the digital resource management mechanism generates a signing number corresponding to the digital resource account information, and the payment mechanism binds the signing number with the digital resource account for subsequent immigration or emigration of digital resources.

However, in this way, the user may directly input the relevant information of the digital resource account to the payment mechanism, which causes a risk of leakage of the information of the digital resource account of the user and a low security of the digital resource of the user.

Therefore, how to provide a digital resource account binding mode with higher security is a problem to be solved by the invention.

Disclosure of Invention

The embodiment of the invention provides a method, a device, equipment and a medium for binding a digital resource account.

In a first aspect, an embodiment of the present invention provides a method for binding a digital resource account, which is applied to a resource service system, and includes:

receiving a signing number sent by a target digital resource management mechanism; the signing number is generated by the target digital resource management mechanism under the condition of acquiring a signing request, and the signing number corresponds to the user information contained in the signing request one by one;

generating token numbers corresponding to the subscription numbers one by one;

correspondingly storing the token number, the target digital resource account number and the subscription number; the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism;

sending the token number to a target service organization; so that the target service mechanism informs the digital resource management mechanism of performing digital resource transfer on the target digital resource account through the token number.

In a second aspect, an embodiment of the present invention provides a method for binding a digital resource account, which is applied to a digital resource management mechanism, and includes:

generating a signing number under the condition of acquiring a signing request; the signing request at least comprises user information, and the signing number corresponds to the user information one by one;

sending the signing number to a resource service system so that the resource service system generates a token number corresponding to the signing number one by one, correspondingly storing the token number, a target digital resource account and the signing number, and returning the token number to a target service mechanism, wherein the target service mechanism informs the digital resource management mechanism of performing digital resource transfer on the target digital resource account through the token number;

and the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism.

In a third aspect, an embodiment of the present invention provides a digital resource account binding apparatus, which is applied to a resource service system, and includes:

the contract number receiving module is used for receiving the contract number sent by the target digital resource management mechanism; the signing number is generated by the target digital resource management mechanism under the condition of acquiring a signing request, and the signing number corresponds to the user information contained in the signing request one by one;

the token generation module is used for generating token numbers which are in one-to-one correspondence with the subscription numbers;

the binding module is used for correspondingly storing the token number, the target digital resource account number and the subscription number; the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism;

the token sending module is used for sending the token number to a target service mechanism; so that the target service mechanism informs the digital resource management mechanism of performing digital resource transfer on the target digital resource account through the token number.

In a fourth aspect, an embodiment of the present invention provides a digital resource account binding apparatus, which is applied to a digital resource management mechanism, and includes:

the contract number generating module is used for generating a contract number under the condition of acquiring the contract request; the signing request at least comprises user information, and the signing number corresponds to the user information one by one;

the signing number sending module is used for sending the signing number to a resource service system so that the resource service system generates token numbers corresponding to the signing number one by one, correspondingly storing the token numbers, a target digital resource account and the signing number, and returning the token numbers to a target service mechanism, and the target service mechanism informs the digital resource management mechanism of carrying out digital resource transfer on the target digital resource account through the token numbers; and the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism.

In a fifth aspect, an embodiment of the present invention provides an electronic device, where the electronic device includes: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the digital resource account binding method of the first aspect or the second aspect.

In a sixth aspect, an embodiment of the present invention provides a computer storage medium, where the computer storage medium stores computer program instructions, and the computer program instructions, when executed by a processor, implement the digital resource account binding method according to the first aspect or the second aspect.

In the method of the embodiment of the invention, after acquiring a subscription request containing user information, a target digital resource management mechanism generates a subscription number corresponding to the user information one by one and sends the subscription number to a resource service system, the resource service system generates a token number corresponding to the subscription number one by one and correspondingly stores the token number, the subscription number and a target digital resource account corresponding to the user information, that is, binding among the token number, the subscription number and the target digital resource account is completed, and after a subsequent resource service system sends the token number to a front-end target service mechanism, the target service mechanism can initiate input or output of digital resources in the target data resource account based on the token number. In the embodiment of the invention, the user does not need to input the information of the target digital resource account into the target service mechanism, and in the whole binding process, the target service mechanism and the resource service system can not obtain the information of the target digital resource account, so that the risk of information leakage of the target digital resource account is reduced as much as possible, and the safety of the digital resource of the user is improved.

Drawings

In order to more clearly illustrate the technical solutions of the embodiments of the present invention, the drawings required to be used in the embodiments of the present invention will be briefly described below, and for those skilled in the art, other drawings can be obtained according to the drawings without creative efforts.

Fig. 1 is a block diagram illustrating a digital resource account binding system according to an embodiment of the present invention;

fig. 2 is a flowchart illustrating a digital resource account binding method according to an embodiment of the present invention;

fig. 3 is a flowchart illustrating a digital resource account binding method according to another embodiment of the present invention;

fig. 4 is a flowchart illustrating a digital resource account binding method according to another embodiment of the present invention;

fig. 5 is a flowchart illustrating a digital resource account binding method applied to a resource service system according to an embodiment of the present invention;

fig. 6 is a flowchart illustrating a digital resource account binding method applied to a digital resource management mechanism according to an embodiment of the present invention;

fig. 7 is a schematic structural diagram of a digital resource account binding apparatus applied to a resource service system according to an embodiment of the present invention;

fig. 8 is a schematic structural diagram of a digital resource account binding apparatus applied to a digital resource management mechanism according to an embodiment of the present invention;

fig. 9 is a schematic diagram illustrating a hardware structure of an electronic device according to an embodiment of the present invention.

Detailed Description

Features and exemplary embodiments of various aspects of the present invention will be described in detail below, and in order to make objects, technical solutions and advantages of the present invention more apparent, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be understood that the specific embodiments described herein are merely illustrative of the invention and are not to be construed as limiting the invention. It will be apparent to one skilled in the art that the present invention may be practiced without some of these specific details. The following description of the embodiments is merely intended to provide a better understanding of the present invention by illustrating examples of the present invention.

It is noted that, herein, relational terms such as first and second, and the like may be used solely to distinguish one entity or action from another entity or action without necessarily requiring or implying any actual such relationship or order between such entities or actions. Also, the terms "comprises," "comprising," or any other variation thereof, are intended to cover a non-exclusive inclusion, such that a process, method, article, or apparatus that comprises a list of elements does not include only those elements but may include other elements not expressly listed or inherent to such process, method, article, or apparatus. Without further limitation, an element defined by the phrase "comprising … …" does not exclude the presence of other identical elements in a process, method, article, or apparatus that comprises the element.

As background technology, in the current method for binding a digital resource account, a user generally inputs related information of a digital resource account to be bound in a payment structure, and then the payment structure signs a contract with a digital resource management mechanism. However, in this way, the information of the digital resource account is transmitted in a non-digital resource management organization, which has a leakage risk and low security. Moreover, the signing mode only supports the initiation of a payment mechanism with a license plate, but does not support the signing of a common merchant mechanism, and the application range is narrow. Moreover, each payment mechanism needs to sign with each digital resource management mechanism, so that the signing relationship between the payment mechanism and the digital resource management mechanism cannot be realized, and the centralized management is not easy to perform.

In order to solve the problem of the prior art, embodiments of the present invention provide a method, an apparatus, a device, and a medium for binding a digital resource account. The digital resource account binding method is applied to a digital resource account binding system, as shown in fig. 1, fig. 1 is a structural block diagram of the digital resource account binding system provided in an embodiment of the present invention, and the system includes a service mechanism, a resource service system 120, and a digital resource management mechanism.

The service mechanism may include a payment mechanism, a merchant mechanism and other third party mechanisms. The embodiment of the invention not only supports the payment mechanism to sign, but also supports the merchant mechanism to sign, thereby expanding the application range of digital resource account signing binding.

The resource service system 120 can serve as a bridge between a service organization and a digital resource management organization, and after the binding of the digital resource account is completed, the resource service system 120 can correspondingly store the binding relationships among the target service organization 110, the target digital resource account and the target digital resource management structure, and perform centralized management on each binding relationship, for example, support query, unbinding, information modification and the like on the binding relationships. The resource service system 120 may include a server, such as a cloud server or a distributed server, and the invention is not limited to the specific configuration of the resource service system 120.

The digital resource management mechanism refers to a mechanism capable of managing digital resources, such as operations of migrating digital resources in or out. The digital resource management mechanism may be a bank or other mechanism capable of managing digital resources. In addition, the front-end application program of the digital resource management mechanism may also support management and control of the binding relationship corresponding to the digital resource account managed by the front-end application program, for example, the digital resource management mechanism actively controls unbinding and the like.

Based on the above digital resource account binding system, the digital resource account binding method provided by the embodiment of the invention is introduced below. Fig. 2 is a flowchart illustrating a digital resource account binding method according to an embodiment of the present invention. Referring to fig. 2, the method includes:

s101, under the condition that a signing request is obtained, the target digital resource management mechanism 130 generates a signing number corresponding to user information one by one; the subscription request includes at least user information.

The user information here refers to information used for representing the user identity, such as a name, an identity card number, a mobile phone number, and the like, and since the digital resource management mechanism needs to perform a real-name system and identity authentication when creating the digital resource account, the digital resource account is bound with the user information, and the digital resource management mechanism stores the binding relationship between the user information and the digital resource account.

The subscription request refers to a request for binding a service mechanism and a digital resource account applied by a user, for example, to achieve the purpose, the digital resource management mechanism generates a subscription number corresponding to the digital resource account, so that the service mechanism is bound with the subscription number, and when a subsequent user initiates a request for transferring the digital resource in the service mechanism, the digital resource in the digital resource account can be quickly transferred through the subscription number. For example, assuming that the service organization is a payment organization, the digital resource management organization is a bank, and the digital resource account is a bank card number, a corresponding subscription number is generated for the bank card number, and then the subscription number is bound with the payment organization, and when the payment organization initiates a payment request corresponding to the subscription number, the bank can find the corresponding bank card number according to the subscription number and realize rapid deduction.

In this embodiment, the subscription request acquired by the digital resource management mechanism can reduce the possibility that the service mechanism acquires the digital resource account information, and improve the security of the digital resource account information.

In addition, the process of acquiring the subscription request by the digital resource management mechanism will be described in detail later.

S103, the target digital resource managing entity 130 sends the subscription number to the resource serving system 120.

In this embodiment, in order to facilitate centralized management of the subscription relationship between the service organization and the digital resource management organization, the resource service system 120 is provided between the service organization and the digital resource management organization.

S105, the resource service system 120 generates token numbers (tokens) corresponding to the subscription numbers one to one.

The token is a number provided for the service organization, and the service organization can only acquire the token, so that the risk of leakage of the subscription number caused by the service organization can be reduced, and the security of the subscription number is improved.

S107, the resource service system 120 correspondingly stores the token number, the target digital resource account number and the subscription number.

The target digital resource account is an account corresponding to the user information under the target digital resource management mechanism 130. For example, if the target digital resource management entity 130 is a bank, the target digital resource account is a bank card number corresponding to the user information in the bank.

The target digital resource account in the resource service system 120 is sent by the target digital resource management mechanism 130, and the target digital resource management mechanism 130 can determine the corresponding target digital resource account according to the user information and send the target digital resource account to the resource service system 120.

S109, the resource service system 120 returns the token number to the target service organization 110.

The token number, the target digital resource account number and the subscription number are correspondingly stored by the resource service system 120, so that the resource service system 120 completes the binding of the digital resource account number, and the target service mechanism 110 and the target digital resource management mechanism 130 respectively hold the token number and the subscription number, so that the target service mechanism 110 can inform the digital resource management mechanism of performing digital resource transfer on the target digital resource account number through the token number.

In the method of the embodiment of the present invention, after acquiring a subscription request including user information, the target digital resource management mechanism 130 generates a subscription number corresponding to the user information one by one, and sends the subscription number to the resource service system 120, the resource service system 120 generates a token number corresponding to the subscription number one by one, and stores the token number, the subscription number, and a target digital resource account corresponding to the user information in a corresponding manner, that is, binding between the token number, the subscription number, and the target digital resource account is completed, and after the subsequent resource service system 120 sends the token number to the front-end target service mechanism 110, the target service mechanism 110 can initiate input or output of digital resources in the target data resource account based on the token number. In the embodiment of the invention, the user does not need to input the information of the target digital resource account into the target service mechanism 110, and in the whole binding process, the target service mechanism 110 and the resource service system 120 do not obtain the information of the target digital resource account, so that the risk of information leakage of the target digital resource account is reduced as much as possible, and the safety of the digital resource of the user is improved.

In some embodiments, after S109, the method may further include:

the target service mechanism 110 receives a digital resource transfer request aiming at the first digital resource account, and sends the digital resource transfer request and the first order number to the resource service system 120;

the resource service system 120 determines a first subscription number corresponding to the first token number according to the first token number, and sends a digital resource transfer request and the first subscription number to the target digital resource management mechanism 130;

the target digital resource management mechanism 130 transfers the first digital resource account corresponding to the first subscription number according to the digital resource transfer request.

Through the scheme in this embodiment, the target service mechanism 110 can achieve the purpose of fast transferring the digital resource through the first token number, in this process, the target service mechanism 110 only needs to initiate a request for transferring the digital resource, and does not need to input other information, and the process of transferring the digital resource is safe and efficient.

For convenience of understanding, the above scheme is described below with the target digital resource management entity 130 as the target issuer, the target service entity 110 as the payment entity, and the user information as the identification number.

After acquiring a signing request containing a user identification card number, a bank generates a signing number corresponding to the identification card number, determines a bank card number corresponding to the identification card number, and sends the bank card number and the signing number to the resource service system 120, the resource service system 120 generates a token number corresponding to the signing number, correspondingly stores the token number, the bank card number and the signing number, and the resource service system 120 also sends the token number to a payment mechanism. After initiating a payment request for the bank card number, a subsequent payment mechanism sends the payment request and the token number to the resource service system 120, after querying a subscription number associated with the token number, the resource service system 120 sends the payment request and the subscription number to a bank together, and the bank determines the bank card number according to the subscription number and deducts money for the bank card number according to the payment request.

In other embodiments, referring to fig. 3, fig. 3 is a schematic flowchart of a digital resource account binding method according to another embodiment of the present invention, where the method includes the following steps:

s201, the target digital resource management mechanism 130 receives a subscription request sent by a user through a front-end application.

The front-end application refers to an application corresponding to the target digital resource management mechanism 130, and a user may send a corresponding request to the target digital resource management mechanism 130 through the front-end application running on the electronic device, so as to manage a digital resource account belonging to the target digital resource management mechanism 130. For example, if the target digital resource management mechanism 130 is a bank, the front-end application is an APP of the bank; the user can trigger the subscription control in the bank APP, so that the bank can receive the subscription request sent by the user through the bank APP.

Since the user needs to log in the own account when using the application program corresponding to the target digital resource management mechanism 130, and the application program corresponding to the target digital resource management mechanism 130 generally needs real-name authentication, when the user triggers the front-end application program to send a subscription request, the front-end application program needs to be in a login state, and therefore the front-end application program can obtain user information based on the currently logged-in account and add the user information to the subscription request.

In addition, the subscription request may include, in addition to the user information, a digital resource account, an identifier for characterizing the type of the request, and the like. The information included in the subscription request is for enabling the target digital resource managing entity 130 to perform the subsequent subscription operation based on the subscription request, and therefore, various information required for the above purpose may be included in the subscription request, and the specific content of the subscription request is not limited in the present invention.

S203, the target digital resource management mechanism 130 sends a first query request to the resource service system 120 based on the subscription request.

The first query request is used to query the service supporting the subscription corresponding to the target digital resource management entity 130. The service organizations supporting the subscription corresponding to different target digital resource management organizations 130 may be the same or different. For example, if the target digital resource management entity 130 is a bank, the service entity supporting the subscription corresponding to the target digital resource management entity 130 may be a payment entity; the target digital resource managing entity 130 is not a bank but another digital resource managing entity, and the service entity supporting the subscription corresponding to the target digital resource managing entity 130 may be a merchant entity or the like. Therefore, a query needs to be made to the resource service system 120 by sending a first query request.

S205, the resource service system 120 returns a list of service agencies supporting the subscription to the target digital resource management agency 130 in response to the first query request.

Since the resource service system 120 stores the correspondence between each digital resource management mechanism and the service mechanism supporting the subscription in advance, the service mechanism list supporting the subscription corresponding to the target digital resource management mechanism 130 can be returned after receiving the first query request sent by the target digital resource management mechanism 130.

S207, the target digital resource management entity 130 displays the service entity list and the account list corresponding to the user information included in the subscription request.

Since signing a digital resource account refers to binding the digital resource account with a specific service mechanism, a user is required to first determine the digital resource account to be signed and the target service mechanism 110. Among them, since the same user may set multiple digital resource accounts in the target digital resource management mechanism 130, the target digital resource account to be signed up also needs to be selected by the user.

S209, the target digital resource management entity 130 receives a first selection input for the target service entity 110 in the service entity list and a second selection input for the target digital resource account in the account list.

The first selection input here is for selecting a target service entity 110 to be signed on. The second selection input here is for selecting a target digital resource account to be signed on.

S211, the target digital resource management entity 130 sends the information of the target service entity 110 and the target digital resource account to the resource service system 120.

After the user selects the target service organization 110 and the target digital resource account, the target digital resource management organization 130 needs to notify the resource service system 120, so as to conveniently bind the subscription number, the token number and the target digital resource account in the following process, and send the token number to the target service organization 110.

S213, the target digital resource management entity 130 generates a subscription number corresponding to the user information one to one.

S213 is executed after S209, but S213 and S211 are not sequentially limited in this embodiment. S213 may be executed after S211, or S213 may be executed in parallel with S211, which is not limited in this embodiment.

S215, the target digital resource management entity 130 sends the subscription number to the resource service system 120.

S217, the resource service system 120 generates a token number corresponding to the subscription number one to one.

S219, the resource service system 120 correspondingly stores the token number, the target digital resource account number, and the subscription number.

S221, the resource service system 120 returns a token number to the target service organization 110.

Steps S213 to S221 are similar to steps S101 to S109 in fig. 2, and are not described herein again.

In this embodiment, a subscription is initiated by a front-end application of the target digital resource management mechanism 130, and then a subsequent target service mechanism 110 selection is performed by querying a service mechanism list from the resource service system 120. In this way, the operations that the target service mechanism 110 needs to execute are reduced, and the user information and the like are all acquired by the target digital resource management mechanism 130, so that the information security in the signing process is improved, and the risk that the target service mechanism 110 leaks the user information is reduced.

For ease of understanding, the above scenario is described below with the target digital resource management entity 130 as the target issuer, the target service entity 110 as the payment entity, and the user information as the name.

The user logs in the bank APP, clicks the signing control to initiate signing, after the bank obtains a signing request carrying a user name, the bank sends a first query request to the resource service system 120, the resource service system 120 returns a service mechanism list supporting signing based on the first query request, the bank APP displays the service mechanism list, the user selects a payment mechanism from the service mechanism list as a target service mechanism 110 to be signed, the bank APP also displays a bank card number list created by the user, and the user selects a bank card number from the bank card number list as a target digital resource account. The subsequent banks generate the signing number and send the bank card number and the signing number to the resource service system 120, the resource service system 120 generates a token number corresponding to the signing number, correspondingly stores the token number, the bank card number and the signing number, and the resource service system 120 also sends the token number to the payment institution. After initiating a payment request for the bank card number, a subsequent payment mechanism sends the payment request and the token number to the resource service system 120, after querying a subscription number associated with the token number, the resource service system 120 sends the payment request and the subscription number to a bank together, and the bank determines the bank card number according to the subscription number and deducts money for the bank card number according to the payment request.

In other embodiments, after S211 and before S213, the method may further include:

the resource service system 120 sends an acceptance response to the target digital resource management entity 130;

the target digital resource management entity 130 sends the first prompt message to the target service entity 110 in response to the acceptance response;

the target service mechanism 110 displays first prompt information, wherein the first prompt information is used for prompting the user whether to sign a contract;

the target service organization 110 generates a confirmation instruction under the condition that confirmation input of the first prompt message by the user is received;

the resource service system 120 receives the confirmation instruction sent by the target service mechanism 110;

the resource service system 120 sends a subscription number generation request to the target digital resource authority 130.

Accordingly, the above S213 includes: the target digital resource managing entity 130 generates a contract number in response to the contract number generation request.

That is, in the present embodiment, S213 is executed after S211.

In response to the acceptance response, the target digital resource management mechanism 130 triggers the front-end application to jump to the application of the target service mechanism 110, for example, the bank APP front-end jumps to the payment interface, and displays the first prompt information in the application interface of the target service mechanism 110.

In this embodiment, after the target digital resource management mechanism 130 selects the target service mechanism 110 and the target digital resource account to be signed, and informs the resource service system 120 of the target service mechanism 110, it needs to confirm to the user through the front-end application program of the target service mechanism 110, and confirm whether to sign and bind the target service mechanism 110 and the target digital resource account, and after receiving the confirmation input of the user, the target digital resource management mechanism 130 regenerates the signing number. By means of further confirmation of the user, the user can give up the subscription in time after mistakenly selecting the target service mechanism 110 or the target digital resource account, and the accuracy of subscription binding is improved.

In some embodiments, in order to further ensure the accuracy of the whole process, the acceptance response, the first prompt information, and the confirmation instruction may all carry the first subscription identifier. The first subscription identifier here corresponds to the current subscription process uniquely, for example, the first subscription identifier may be unique ciphertext data or a unique serial number. The invention does not limit the content and the generation mode of the first subscription identifier, as long as the uniqueness of the first subscription identifier is ensured.

Based on the first subscription identifier, optionally, after receiving the confirmation instruction sent by the target service mechanism 110, before sending a subscription number generation request to the target digital resource management mechanism 130, the method further includes:

the resource service system 120 verifies the first subscription identity.

In this embodiment, the acceptance response, the first prompt information, and the confirmation instruction all carry the first subscription identifier, so that the resource service system 120 can verify the correctness of the confirmation instruction by verifying the first subscription identifier, that is, whether the confirmation instruction is an instruction for the current subscription process. In this way, the accuracy of the user confirmation process can be further improved.

In addition, optionally, before the sending the subscription number generation request to the target digital resource management entity 130, the method further includes:

the resource service system 120 authenticates the target service entity 110.

In this embodiment, the authentication of the target service mechanism 110 refers to the authentication of whether the identity of the target service mechanism 110 is legal, whether the target service mechanism 110 is authorized to perform digital resource binding, and the like, and only when the target service mechanism 110 meets the authentication condition, the subsequent subscription binding operation can be allowed. The method can avoid the condition that the digital resources are illegally transferred because the digital resources are bound by an illegal service organization as much as possible, and improves the safety of the digital resources.

In other embodiments, after the verifying the first subscription identity and the target service entity 110 and before sending the subscription number generation request to the target digital resource management entity 130, the method may further include:

if the verification is passed, the resource service system 120 detects whether a target token number corresponding to the target digital resource account exists;

in the presence of the target token, the resource service system 120 sends the target token to the target service entity 110;

sending a subscription number generation request to the target digital resource management entity 130, including:

in the absence of a target token, the resource service system 120 sends a subscription number generation request to the target digital resource authority 130.

In this embodiment, in the case that the verification passes, the resource service system 120 further detects whether the target token corresponding to the target digital resource account is stored, and if the target token already exists, directly returns the target token to the target service mechanism 110 without sending a subscription number generation request to the target digital resource management mechanism 130, so that a repeated subscription situation is avoided, and unique correspondence between the subscription number, the token number, and the digital resource account is ensured.

In addition, in order to facilitate the target service organization 110 to know the subscription progress, the resource service system 120 may return the accepted response information to the target service organization 110 when the target token number does not exist.

In still other embodiments, before the resource service system 120 sends a subscription number generation request to the target digital resource management mechanism 130 after detecting whether there is a target token number corresponding to the target digital resource account, the method may further include:

under the condition that the target token number is not stored, the resource service system 120 sends second prompt information waiting for inputting the verification code to the target service mechanism 110;

the resource service system 120 sends an authentication request to the target digital resource management authority 130;

the target digital resource management mechanism 130 responds to the authentication request, performs identity authentication on the user information, and sends a verification code to a communication account corresponding to the user information under the condition that the authentication is passed;

the target service organization 110 generates an authorization instruction after receiving the verification code input by the user and sends the authorization instruction to the resource service system 120.

Accordingly, the sending of the subscription number generation request to the target digital resource management entity 130 by the resource service system 120 may include:

the resource service system 120 sends a subscription number generation request to the target digital resource management entity 130 in response to the received authorization instruction.

In this embodiment, in a scenario where a target token needs to be generated, the target digital resource management mechanism 130 performs identity authentication on user information, and performs further identity authentication by sending a short message verification code to a communication account of a user, under such a situation, it can be ensured that the user information is true and valid as much as possible, and the user who initiates a subscription request is the user himself, so that a situation that an illegal user signs a subscription by using stolen user information is avoided as much as possible, and reliability of a subscription process and security of digital resources are improved.

The second presentation information may be combined with the accepted response information returned to the target service unit 110 and displayed as one piece of information. The two may also be sent to the target service organization 110 for display, which is not a limitation of the present invention.

Or, in other embodiments, the short message verification may not be performed, and after the target digital resource management mechanism 130 performs identity authentication on the user information in response to the authentication request, the target digital resource management mechanism 130 may directly generate the subscription number and perform subsequent operations when the identity authentication passes.

In addition, the target service organization 110 will generate the authorization instruction only after receiving the correct verification code. Therefore, it is necessary to verify whether the verification code input by the user is correct. Optionally, the verification process may include:

after receiving the verification code information input by the user, the target service mechanism 110 sends the verification code information to the resource service mechanism; the resource service mechanism then forwards the verification code information to the target digital resource management mechanism 130; the target digital resource management mechanism 130 compares the verification code information with the verification code sent by the target digital resource management mechanism, and returns a verification code input correct instruction to the resource service mechanism under the condition that the comparison is passed; the resource service mechanism sends an instruction that the verification code is input correctly to the target service mechanism 110; target service entity 110 receives the command that the verification code is correctly entered, and then generates an authorization command.

In further embodiments of the present invention, referring to fig. 4, fig. 4 is a schematic flowchart of a digital resource account binding method according to yet another embodiment of the present invention, where the method may include:

s301, the target service organization 110 sends a second query request to the resource service system 120.

The target service mechanism 110 may send the second query request to the resource service system 120 after receiving the trigger input of the user to the subscription control.

The second query request here is for querying the digital resource authority supporting the subscription with the target service authority 110. The digital resource managers supporting the subscription corresponding to different target service organizations 110 may be the same or different. Thus, the target service entity 110 needs to query the resource service system 120 by sending a second query request.

S303, the resource service system 120 sends the digital resource management mechanism list supporting the subscription to the target service mechanism 110 in response to the second query request.

Since the resource service system 120 stores the correspondence between each service mechanism and the digital resource management mechanism supporting the subscription in advance, the digital resource management mechanism list supporting the subscription corresponding to the target service mechanism 110 can be returned after receiving the second query request sent by the target service mechanism 110.

S305, the target service organization 110 displays the digital resource management organization list.

Thereby facilitating the user in selecting the target digital asset authority 130 that the user wants to sign up for.

S307, the target service entity 110 receives a third selection input for the target digital resource management entity 130 in the list of digital resource management entities.

S309, the target service organization 110 sends the user information and the information of the target digital resource management organization 130 to the resource service system 120.

After the user selects the target digital resource management mechanism 130, the target service mechanism 110 needs to inform the resource service system 120 of the target digital resource management to be signed up and the user information.

S311, the resource service system 120 sends a subscription request carrying the user information to the target digital resource management mechanism 130.

The resource service system 120 informs the target digital resource management mechanism 130 of the user information, so as to facilitate the target digital resource management mechanism 130 to confirm the target digital resource account to be signed, and generate a signing number associated with the target digital resource account.

S313, the target digital resource management mechanism 130 determines the target digital resource account according to the user information.

S315, in response to the subscription request, the target digital resource management entity 130 generates a subscription number corresponding to the user information one to one.

S317, the target digital resource management entity 130 sends the subscription number and the target digital resource account to the resource service system 120.

The subscription number and the target digital resource account may be sent to the resource service system 120 together, or both may be sent separately, for example, after S312, the operation of sending the target digital resource account to the resource service system 120 may be performed, which is not limited in this embodiment.

S319, the resource service system 120 generates a token number corresponding to the subscription number one to one.

S321, the resource service system 120 correspondingly stores the token number, the target digital resource account number, and the subscription number.

S323, the resource service system 120 returns a token number to the target service organization 110.

Steps S315 to S323 are similar to steps S101 to S109 in fig. 2, and are not described herein again.

In this embodiment, a subscription is initiated by a front-end application of the target service mechanism 110, and then a digital resource management mechanism list is queried from the resource service system 120 to perform subsequent selection of the target digital resource management mechanism 130. In this way, the user can initiate a subscription through the service mechanism, so that the purpose of subscription can be achieved when the front-end application program of the target digital resource management mechanism 130 is not installed in the electronic device of the user, and the convenience of the user is improved. In addition, in the process, the target service mechanism 110 does not need the user to input the information of the digital resource account, so the target service mechanism 110 here may be a payment mechanism or a merchant mechanism, that is, this embodiment supports various mechanisms to sign a contract. In addition, the above embodiment can support cross-device subscription, for example, an intelligent household appliance and the like can perform quick subscription through the embodiment.

A user logs in a payment mechanism APP and clicks a signing control to initiate signing, the payment mechanism APP sends a second query request to a resource service system 120, the resource service system 120 returns a digital resource management mechanism list supporting signing based on the second query request, the payment mechanism APP displays the digital resource management mechanism list, the user selects a target bank from the digital resource management mechanism list as a target digital resource management mechanism 130 to be signed, a subsequent payment mechanism APP sends information of the target bank and user information to the resource management system, the resource management system generates a signing request carrying the user information and sends the signing request to the target bank, the target bank determines a bank card number according to the user information and responds to the signing request to generate a signing number; the target bank sends the bank card number and the signing number to the resource service system 120, the resource service system 120 generates a token number corresponding to the signing number, and correspondingly stores the token number, the bank card number and the signing number, and the resource service system 120 also sends the token number to the payment institution. After initiating a payment request for the bank card number, a subsequent payment mechanism sends the payment request and the token number to the resource service system 120, after querying a subscription number associated with the token number, the resource service system 120 sends the payment request and the subscription number to a bank together, and the bank determines the bank card number according to the subscription number and deducts money for the bank card number according to the payment request.

In still other embodiments, the S317 may include:

the resource service system 120 generates a second subscription identity based on the user information;

the resource service system 120 returns the second subscription identity to the target service organization 110;

the target service entity 110 sends a subscription request generated based on the second subscription identity to the target digital resource management entity 130.

The second subscription identifier is an identifier uniquely corresponding to the current subscription process, similar to the first subscription identifier, and may include unique ciphertext data or a unique order number, for example. The invention does not limit the content and the generation mode of the second subscription identifier, as long as the uniqueness of the second subscription identifier is ensured. In addition, the second subscription identifier is different from the first subscription identifier in that the second subscription identifier needs to carry user information, or the user information can be acquired based on the second subscription identifier.

In this embodiment, the resource service system 120 generates a second subscription identifier uniquely corresponding to the current subscription, and subsequently returns the user information to the target digital resource management mechanism 130 through the second subscription identifier, which increases the difficulty in cracking the user information and improves the security of the user information.

Optionally, the manner in which the target service entity 110 sends the subscription request generated based on the second subscription identifier to the target digital resource management entity 130 may include: the target service mechanism 110 transmits the second subscription identifier to the target digital resource management mechanism 130 in a foreground skip mode; alternatively, the target service mechanism 110 generates a barcode corresponding to the second subscription identifier, and the front-end application of the target digital resource management mechanism 130 scans the barcode to obtain the second subscription identifier.

In other embodiments, the resource service system 120 may also directly send the second subscription identity to the target digital resource management entity 130. The invention is not limited in this regard.

In other embodiments, the subscription number may be replaced by a token number, i.e., the resource service system 120 may also send the token number to the target digital resource management entity 130.

In this case, the target service entity 110 and the target digital resource management entity 130 both store the same token number, and then the resource transfer can be directly performed by the token number. If the target service mechanism 110 receives a digital resource transfer request for the first digital resource account, the target service mechanism sends the digital resource transfer request and the first token to the resource service system 120; the resource service system 120 forwards the digital resource transfer request and the first token number to the target digital resource management entity 130; the target digital resource management mechanism 130 transfers the first digital resource account corresponding to the first token number according to the digital resource transfer request.

Based on the above embodiments, a digital resource account binding method applied to a resource service system is described below. Fig. 5 is a schematic flowchart of a digital resource account binding method applied to a resource service system according to an embodiment of the present invention, and as shown in fig. 5, the method includes:

s410, receiving a signing number sent by a target digital resource management mechanism; the signing number is generated by a target digital resource management mechanism under the condition of acquiring a signing request, and the signing number corresponds to the user information contained in the signing request one by one;

s420, generating token numbers corresponding to the subscription numbers one by one;

s430, correspondingly storing the token number, the target digital resource account number and the subscription number; the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism;

s440, sending a token number to a target service organization; so that the target service organization informs the digital resource management organization of the digital resource account number through the token number to transfer the digital resource.

In some embodiments, after S440, the method may further include:

receiving a digital resource transfer request and a first token number sent by a target service mechanism; the digital resource transfer request is a request which is received by a target service mechanism and aims at a first digital resource account;

sending a digital resource transfer request and a first subscription number corresponding to the first token number to a target digital resource management mechanism; and the target digital resource management mechanism transfers the digital resources in the first digital resource account corresponding to the signing number according to the digital resource transfer request.

Through the scheme in the embodiment, the target service mechanism can achieve the purpose of rapid digital resource transfer through the first token number, in the process, the target service mechanism only needs to initiate a digital resource transfer request, other information does not need to be input, and the process of digital resource transfer is safe and efficient.

In other embodiments, prior to S410, the method may further comprise:

receiving a first query request sent by a target digital resource management mechanism;

responding to the first query request, and returning a service mechanism list supporting the subscription to the target digital resource management mechanism so that the target digital resource management mechanism displays the service mechanism list;

receiving information of a target service mechanism and a target digital resource account sent by a target digital resource management mechanism;

the target service mechanism is a mechanism corresponding to a first selection input aiming at a service mechanism list received by the target digital resource management mechanism, the target digital resource account is an account corresponding to a second selection input aiming at an account list received by the target digital resource management mechanism, and the account list comprises accounts corresponding to user information contained in the signing request in the target digital resource management mechanism.

In this embodiment, a subscription is initiated by a front-end application program of a target digital resource management mechanism, and subsequent target service mechanism selection is performed by subsequently querying a service mechanism list from a resource service system. In this way, the operations that the target service mechanism needs to execute are reduced, and the user information and the like are acquired by the target digital resource management mechanism, so that the information security in the signing process is improved, and the risk that the target service mechanism leaks the user information is reduced.

In another embodiment, after receiving the information of the target service organization and the target digital resource account sent by the target digital resource management organization, and before receiving the subscription number sent by the digital resource management organization, the method may further include:

sending an acceptance response to the target digital resource management mechanism; the target digital resource management mechanism responds to the acceptance response and sends first prompt information to the target service mechanism, the target service mechanism displays the first prompt information, and the first prompt information is used for prompting a user whether to sign a contract or not;

receiving a confirmation instruction sent by a target service mechanism; the confirmation instruction is generated by the target service mechanism under the condition of receiving confirmation input of the user on the first prompt message;

and sending a signing number generation request to the target digital resource management mechanism so that the target digital resource management mechanism responds to the signing number generation request to generate the signing number.

In this embodiment, after the target digital resource management mechanism selects a target service mechanism and a target digital resource account to be signed, and notifies the resource service system, it needs to confirm to the user through a front-end application program of the target service mechanism, to confirm whether to sign and bind the target service mechanism and the target digital resource account, and after receiving a confirmation input of the user, the target digital resource management mechanism regenerates a signing number. By means of further confirmation of the user, the user can give up the subscription in time after mistakenly selecting the target service mechanism or the target digital resource account, and the accuracy of subscription binding is improved.

In some embodiments, the acceptance response, the first prompt information, and the confirmation instruction all carry a first subscription identifier;

after receiving the confirmation instruction sent by the target service organization, and before sending the subscription number generation request to the target digital resource management organization, the method may further include:

and verifying the first subscription identifier and the target service mechanism.

In this embodiment, the acceptance response, the first prompt information, and the confirmation instruction all carry the first subscription identifier, so that the resource service system can verify the correctness of the confirmation instruction by verifying the first subscription identifier, that is, whether the confirmation instruction is an instruction for the current subscription flow. In this way, the accuracy of the user confirmation process can be further improved. The identity of the target service organization is verified, so that the condition that the digital resources are illegally transferred due to the fact that the digital resources are bound by an illegal service organization can be avoided as much as possible, and the safety of the digital resources is improved.

In other embodiments, after verifying the first subscription identifier and the target service entity, before sending the subscription number generation request to the target digital resource management entity, the method may further include:

under the condition that the verification is passed, detecting whether a target token number corresponding to the target digital resource account exists or not;

sending the target token to the target service organization under the condition that the target token exists;

sending a signing number generation request to a target digital resource management mechanism, wherein the signing number generation request comprises the following steps:

and sending a signing number generation request to a target digital resource management mechanism under the condition that the target token does not exist.

In this embodiment, in the case that the verification passes, the resource service system further detects whether the target token corresponding to the target digital resource account is stored, and if the target token already exists, the resource service system directly returns the target token to the target service entity without sending a subscription number generation request to the target digital resource management entity, so that a repeated subscription situation is avoided, and the unique correspondence between the subscription number, the token number, and the digital resource account is ensured.

In still other embodiments, after detecting whether there is a target token number corresponding to the target digital resource account, before sending a subscription number generation request to the target digital resource management entity, the method may further include:

under the condition that the target token number is not stored, sending second prompt information waiting for inputting the verification code to the target service mechanism;

sending an authentication request to a target digital resource management authority; the target digital resource management mechanism carries out identity authentication on the user information and sends a verification code to a communication account corresponding to the user information under the condition that the authentication is passed;

receiving an authorization instruction sent by a target service mechanism; the authorization instruction is an instruction generated after the target service mechanism receives the verification code input by the user;

and responding to the authorization instruction, and sending a signing number generation request to the target digital resource management mechanism.

In the embodiment, under the scene that the target token needs to be generated, the target digital resource management mechanism performs identity authentication on user information and further performs identity authentication by sending the short message verification code to the communication account of the user, under the condition, the user information can be ensured to be real and effective as much as possible, and the user who initiates the signing request is the user himself at present, so that the condition that an illegal user signs a signature by using stolen user information is avoided as much as possible, and the reliability of the signing process and the safety of digital resources are improved.

In still other embodiments of the present invention, before S410, the method may further include:

receiving a second query request sent by a target service mechanism;

responding to the second query request, and sending a digital resource management mechanism list supporting the subscription to the target service mechanism so that the target service mechanism displays the digital resource management mechanism list;

receiving user information and information of a target digital resource management mechanism sent by a target service mechanism; the target digital resource management mechanism is a mechanism corresponding to a third selection input aiming at the digital resource management mechanism list and received by the target service mechanism; the user information is input information received by the target service mechanism;

sending a signing request carrying user information to a target digital resource management mechanism so that the target digital resource management mechanism determines a target digital resource account according to the user information;

before correspondingly storing the token number, the target digital resource account number and the subscription number, the method further comprises the following steps:

and receiving the target digital resource account sent by the target digital resource management mechanism.

In this embodiment, a subscription is initiated by a front-end application program of the target service mechanism, and subsequent target digital resource management mechanism selection is performed by subsequently querying the digital resource management mechanism list from the resource service system. In this way, the user can initiate the subscription through the service mechanism, so that the purpose of subscription can be realized when the front-end application program of the target digital resource management mechanism is not installed in the electronic equipment of the user, and the convenience of the user is improved. In addition, in the process, the target service mechanism does not need the user to input the information of the digital resource account, so the target service mechanism can be a payment mechanism or a merchant mechanism, that is, the present embodiment supports various mechanisms to sign a contract. In addition, the above embodiment can support cross-device subscription, for example, an intelligent household appliance and the like can perform quick subscription through the embodiment.

In still other embodiments, sending a subscription request carrying user information to a target digital resource management entity includes:

generating a second subscription identifier based on the user information;

returning the second signing mark to the target service mechanism; so that the target service mechanism sends the subscription request generated based on the second subscription identifier to the target digital resource management mechanism.

In this embodiment, the resource service system generates a second subscription identifier uniquely corresponding to the current subscription, and subsequently returns the user information to the target digital resource management mechanism through the second subscription identifier.

Based on the above embodiments, a digital resource account binding method applied to a resource service system is described below. Fig. 6 is a schematic flowchart of a digital resource account binding method applied to a digital resource management mechanism according to an embodiment of the present invention, and as shown in fig. 6, the method includes:

s510, generating a signing number under the condition of acquiring a signing request; the signing request at least comprises user information, and the signing number corresponds to the user information one by one.

S520, the contract number is sent to the resource service system.

And the target service mechanism informs the digital resource management mechanism of carrying out digital resource transfer on the target digital resource account number through the token number.

The target digital resource account is an account corresponding to the user information under the target digital resource management mechanism.

In some embodiments, after S520, the method may further include:

receiving a digital resource transfer request and a first subscription number sent by a resource service system; the digital resource transfer request is a request which is received by a target service mechanism and aims at a first digital resource account; the first subscription number is a subscription number corresponding to the first token number; the first token number is a token number which is sent to the resource service mechanism by the target service mechanism and corresponds to the first digital resource account number;

and transferring the first digital resource account corresponding to the first subscription number according to the digital resource transfer request.

In other embodiments, before S510, the method may further include:

receiving a signing request sent by a user through a front-end application program;

based on the signing request, sending a first query request to a resource service system;

displaying a service mechanism list supporting subscription and an account list corresponding to user information included in a subscription request, wherein the service mechanism list is a list returned by the resource service system based on the first query request;

receiving a first selection input aiming at a target service mechanism in the service mechanism list and a second selection input aiming at a target digital resource account in the account list;

and sending the information of the target service mechanism and the target digital resource account to the resource service system.

In other embodiments, after sending the information of the target service organization and the target digital resource account to the resource service system, and before generating the subscription number, the method may further include:

receiving an acceptance response fed back by the resource service system; the accepted response is a response returned by the resource service system after the target digital resource account is saved;

responding to the acceptance response, and sending first prompt information to the target service mechanism so that the target service mechanism displays the first prompt information; the first prompt message is used for prompting the user whether to sign a contract;

receiving a signing number generation request sent by a resource service system; the subscription number generation request is a request generated by the resource service system under the condition of receiving a confirmation instruction sent by a target service mechanism;

generating a subscription number, comprising:

in response to the contract number generation request, a contract number is generated.

In still other embodiments, after sending the first prompt message to the target service organization, and before receiving the subscription number generation request sent by the resource service system, the method further includes:

receiving an authentication request sent by a resource service system;

responding to the authentication request, and performing identity authentication on the user information;

under the condition that the authentication is passed, sending a verification code to a communication account corresponding to the user information; and the target service mechanism sends an authorization instruction to the resource service system after receiving the verification code input by the user, and the resource service system responds to the authorization instruction to generate a signing number generation request.

Based on the same inventive concept as the foregoing method embodiment, fig. 7 is a schematic structural diagram illustrating a digital resource account binding apparatus applied to a resource service system according to an embodiment of the present invention; as shown in fig. 7, the apparatus includes:

a contract number receiving module 610, configured to receive a contract number sent by a target digital resource management mechanism; the signing number is generated by a target digital resource management mechanism under the condition of acquiring a signing request, and the signing number corresponds to the user information contained in the signing request one by one;

a token generation module 620, configured to generate token numbers corresponding to the subscription numbers one to one;

a binding module 630, configured to correspondingly store the token number, the target digital resource account number, and the subscription number; the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism;

a token sending module 640, configured to send a token number to the target service organization; so that the target service organization informs the digital resource management organization of the digital resource account number through the token number to transfer the digital resource.

In some embodiments, the apparatus may further include:

the first transfer receiving module is used for receiving a digital resource transfer request and a first token number sent by a target service mechanism; the digital resource transfer request is a request which is received by a target service mechanism and aims at a first digital resource account;

the transfer sending module is used for sending a digital resource transfer request and a first subscription number corresponding to the first token number to a target digital resource management mechanism; and the target digital resource management mechanism transfers the digital resources in the first digital resource account corresponding to the signing number according to the digital resource transfer request.

In other embodiments, the apparatus may further include:

the first query receiving module is used for receiving a first query request sent by a target digital resource management mechanism;

the first list returning module is used for responding to the first query request, and returning a service mechanism list supporting signing to the target digital resource management mechanism so that the target digital resource management mechanism displays the service mechanism list;

the first information receiving module is used for receiving the information of the target service mechanism and the target digital resource account sent by the target digital resource management mechanism; the target service mechanism is a mechanism corresponding to a first selection input aiming at a service mechanism list received by the target digital resource management mechanism, the target digital resource account is an account corresponding to a second selection input aiming at an account list received by the target digital resource management mechanism, and the account list comprises accounts corresponding to user information contained in the signing request in the target digital resource management mechanism.

In other embodiments, the apparatus may further include:

the acceptance response sending module is used for sending an acceptance response to the target digital resource management mechanism; the target digital resource management mechanism responds to the acceptance response and sends first prompt information to the target service mechanism, the target service mechanism displays the first prompt information, and the first prompt information is used for prompting a user whether to sign a contract or not;

the confirmation receiving module is used for receiving a confirmation instruction sent by the target service mechanism; the confirmation instruction is generated by the target service mechanism under the condition of receiving confirmation input of the user on the first prompt message;

and the generation request sending module is used for sending a signing number generation request to the target digital resource management mechanism so that the target digital resource management mechanism responds to the signing number generation request to generate a signing number.

In some embodiments, the acceptance response, the first prompt information, and the confirmation instruction all carry a first subscription identifier; the above apparatus may further include:

and the first verification module is used for verifying the first subscription identifier and the target service mechanism.

In other embodiments, the apparatus may further include:

the token detection module is used for detecting whether a target token number corresponding to the target digital resource account exists or not under the condition that the verification is passed; sending the target token to the target service organization under the condition that the target token exists; and under the condition that the target token number does not exist, triggering a generation request sending module.

In still other embodiments, the apparatus may further include:

the second prompt sending module is used for sending second prompt information waiting for inputting the verification code to the target service mechanism under the condition that the target token number is not stored;

the authentication request sending module is used for sending an authentication request to a target digital resource management mechanism; the target digital resource management mechanism carries out identity authentication on the user information and sends a verification code to a communication account corresponding to the user information under the condition that the authentication is passed;

the authorization receiving module is used for receiving an authorization instruction sent by a target service mechanism; the authorization instruction is an instruction generated after the target service mechanism receives the verification code input by the user;

the generation request sending module may be configured to: and responding to the authorization instruction, and sending a signing number generation request to the target digital resource management mechanism.

In still other embodiments of the present invention, the apparatus may further include:

the second query receiving module is used for receiving a second query request sent by the target service mechanism;

the second list returning module is used for responding to the second query request, and sending a digital resource management mechanism list supporting subscription to the target service mechanism so that the target service mechanism displays the digital resource management mechanism list;

the second information receiving module is used for receiving the user information sent by the target service mechanism and the information of the target digital resource management mechanism; the target digital resource management mechanism is a mechanism corresponding to a third selection input aiming at the digital resource management mechanism list and received by the target service mechanism; the user information is input information received by the target service mechanism;

the signing request sending module is used for sending a signing request carrying user information to a target digital resource management mechanism so that the target digital resource management mechanism determines a target digital resource account according to the user information;

and the account receiving module is used for receiving the target digital resource account sent by the target digital resource management mechanism.

In still other embodiments, the subscription request sending module may include:

the identification generation module is used for generating a second subscription identification based on the user information;

the identifier return module is used for returning the second signing identifier to the target service mechanism; so that the target service mechanism sends the subscription request generated based on the second subscription identifier to the target digital resource management mechanism.

Based on the same inventive concept as the foregoing method embodiment, fig. 8 is a schematic structural diagram illustrating a digital resource account binding apparatus applied to a digital resource management mechanism according to an embodiment of the present invention; as shown in fig. 8, the apparatus includes:

a contract number generating module 710, configured to generate a contract number in the case of acquiring the contract request; the signing request at least comprises user information, and the signing number corresponds to the user information one by one;

the contract number sending module 720 is used for sending the contract number to the resource service system so that the resource service system generates token numbers corresponding to the contract number one by one, correspondingly storing the token number, the target digital resource account number and the contract number, and returning the token number to the target service organization, and the target service organization informs the digital resource management organization of performing digital resource transfer on the target digital resource account number through the token number; the target digital resource account is an account corresponding to the user information under the target digital resource management mechanism.

In some embodiments, the apparatus may further include:

the second transfer receiving module is used for receiving the digital resource transfer request and the first subscription number sent by the resource service system; the digital resource transfer request is a request which is received by a target service mechanism and aims at a first digital resource account; the first subscription number is a subscription number corresponding to the first token number; the first token number is a token number which is sent to the resource service mechanism by the target service mechanism and corresponds to the first digital resource account number;

and the resource transfer module is used for transferring the first digital resource account corresponding to the first subscription number according to the digital resource transfer request.

In other embodiments, the apparatus may further include:

the subscription request receiving module is used for receiving a subscription request sent by a user through a front-end application program;

the first query sending module is used for sending a first query request to the resource service system based on the subscription request;

the system comprises a list display module, a resource service system and a resource management module, wherein the list display module is used for displaying a service mechanism list supporting signing and an account list corresponding to user information included in a signing request, and the service mechanism list is a list returned by the resource service system based on a first query request;

the input receiving module is used for receiving a first selection input aiming at a target service mechanism in the service mechanism list and a second selection input aiming at a target digital resource account in the account list;

and the information sending module is used for sending the information of the target service mechanism and the target digital resource account to the resource service system.

In other embodiments, the apparatus may further include:

the acceptance response sending module is used for receiving acceptance responses fed back by the resource service system; the accepted response is a response returned by the resource service system after the target digital resource account is saved;

the first prompt sending module is used for responding to the acceptance response and sending first prompt information to the target service mechanism so that the target service mechanism displays the first prompt information; the first prompt message is used for prompting the user whether to sign a contract;

a generation request receiving module, configured to receive a subscription number generation request sent by a resource service system; the subscription number generation request is a request generated by the resource service system under the condition of receiving a confirmation instruction sent by a target service mechanism;

the subscription number generation module 710 may be configured to: in response to the contract number generation request, a contract number is generated.

In still other embodiments, the apparatus may further include:

the authentication request receiving module is used for receiving an authentication request sent by the resource service system;

the authentication module is used for responding to the authentication request and authenticating the identity of the user information;

the verification code sending module is used for sending a verification code to the communication account corresponding to the user information under the condition that the authentication is passed; and the target service mechanism sends an authorization instruction to the resource service system after receiving the verification code input by the user, and the resource service system responds to the authorization instruction to generate a signing number generation request.

The electronic device may include a processor 801 and a memory 802 that stores computer program instructions. The processor 801 reads and executes computer program instructions stored in the memory 802 to implement any of the digital resource account binding methods in the above embodiments. The electronic device can be used as a main component of the resource management system to realize the function of the resource management system; the digital resource management mechanism can also be used as a main component of the digital resource management mechanism to realize the functions of the digital resource management mechanism.

Specifically, the processor 801 may include a Central Processing Unit (CPU), or an Application Specific Integrated Circuit (ASIC), or may be configured as one or more integrated circuits implementing an embodiment of the present invention.

Memory 802 may include mass storage for data or instructions. By way of example, and not limitation, memory 802 may include a Hard Disk Drive (HDD), a floppy disk drive, flash memory, an optical disk, a magneto-optical disk, a tape, or a Universal Serial Bus (USB) drive or a combination of two or more of these. Memory 802 may include removable or non-removable (or fixed) media, where appropriate. The memory 802 may be internal or external to the integrated gateway disaster recovery device, where appropriate. In a particular embodiment, the memory 802 is a non-volatile solid-state memory. In a particular embodiment, the memory 802 includes Read Only Memory (ROM). Where appropriate, the ROM may be mask-programmed ROM, Programmable ROM (PROM), Erasable PROM (EPROM), Electrically Erasable PROM (EEPROM), electrically rewritable ROM (EAROM), or flash memory or a combination of two or more of these.

In one example, the electronic device can also include a communication interface 803 and a bus 810. As shown in fig. 9, the processor 801, the memory 802, and the communication interface 803 are connected via a bus 810 to complete communication therebetween.

The communication interface 803 is mainly used for implementing communication between modules, apparatuses, units and/or devices in the embodiments of the present invention.

Bus 810 includes hardware, software, or both to couple the components of the online data traffic billing device to each other. By way of example, and not limitation, a bus may include an Accelerated Graphics Port (AGP) or other graphics bus, an Enhanced Industry Standard Architecture (EISA) bus, a Front Side Bus (FSB), a Hypertransport (HT) interconnect, an Industry Standard Architecture (ISA) bus, an infiniband interconnect, a Low Pin Count (LPC) bus, a memory bus, a Micro Channel Architecture (MCA) bus, a Peripheral Component Interconnect (PCI) bus, a PCI-Express (PCI-X) bus, a Serial Advanced Technology Attachment (SATA) bus, a video electronics standards association local (VLB) bus, or other suitable bus or a combination of two or more of these. Bus 810 may include one or more buses, where appropriate. Although specific buses have been described and shown in the embodiments of the invention, any suitable buses or interconnects are contemplated by the invention.

In addition, in combination with the digital resource account binding method in the foregoing embodiment, an embodiment of the present invention may provide a computer storage medium to implement. The computer storage medium having computer program instructions stored thereon; the computer program instructions, when executed by a processor, implement any of the digital resource account binding methods in the above embodiments.

The functional blocks shown in the above-described structural block diagrams may be implemented as hardware, software, firmware, or a combination thereof. When implemented in hardware, it may be, for example, an electronic circuit, an Application Specific Integrated Circuit (ASIC), suitable firmware, plug-in, function card, or the like. When implemented in software, the elements of the invention are the programs or code segments used to perform the required tasks. The program or code segments may be stored in a machine-readable medium or transmitted by a data signal carried in a carrier wave over a transmission medium or a communication link. A "machine-readable medium" may include any medium that can store or transfer information. Examples of a machine-readable medium include electronic circuits, semiconductor memory devices, ROM, flash memory, Erasable ROM (EROM), floppy disks, CD-ROMs, optical disks, hard disks, fiber optic media, Radio Frequency (RF) links, and so forth. The code segments may be downloaded via computer networks such as the internet, intranet, etc.

It should also be noted that the exemplary embodiments mentioned in this patent describe some methods or systems based on a series of steps or devices. However, the present invention is not limited to the order of the above-described steps, that is, the steps may be performed in the order mentioned in the embodiments, may be performed in an order different from the order in the embodiments, or may be performed simultaneously.

As described above, only the specific embodiments of the present invention are provided, and it can be clearly understood by those skilled in the art that, for convenience and brevity of description, the specific working processes of the system, the module and the unit described above may refer to the corresponding processes in the foregoing method embodiments, and are not described herein again. It should be understood that the scope of the present invention is not limited thereto, and any person skilled in the art can easily conceive various equivalent modifications or substitutions within the technical scope of the present invention, and these modifications or substitutions should be covered within the scope of the present invention.

Claims

1. A digital resource account binding method is applied to a resource service system and is characterized by comprising the following steps:

generating token numbers corresponding to the subscription numbers one by one;

2. The method of claim 1, wherein after returning the token number to the target service, further comprising:

receiving a digital resource transfer request and a first token number sent by the target service mechanism; the digital resource transfer request is a request which is received by the target service mechanism and aims at a first digital resource account;

sending the digital resource transfer request and a first subscription number corresponding to the first token number to the target digital resource management mechanism; and the target digital resource management mechanism transfers the digital resources in the first digital resource account corresponding to the subscription number according to the digital resource transfer request.

3. The method according to claim 1 or 2, wherein before receiving the subscription number sent by the digital resource management authority, the method further comprises:

receiving a first query request sent by the target digital resource management mechanism;

in response to the first query request, returning a service mechanism list supporting subscription to the target digital resource management mechanism so that the target digital resource management mechanism displays the service mechanism list;

receiving the information of the target service mechanism and the target digital resource account sent by the target digital resource management mechanism;

the target service mechanism is a mechanism corresponding to a first selection input aiming at the service mechanism list received by the target digital resource management mechanism, the target digital resource account is an account corresponding to a second selection input aiming at the account list received by the target digital resource management mechanism, and the account list comprises an account corresponding to user information contained in the signing request in the target digital resource management mechanism.

4. The method according to claim 3, wherein after receiving the information of the target service organization and the target digital resource account sent by the target digital resource management organization and before receiving the subscription number sent by the digital resource management organization, the method further comprises:

sending an acceptance response to the target digital resource management mechanism; enabling the target digital resource management mechanism to respond to the acceptance response and send first prompt information to the target service mechanism, wherein the target service mechanism displays the first prompt information, and the first prompt information is used for prompting a user whether to sign a contract;

receiving a confirmation instruction sent by the target service mechanism; the confirmation instruction is generated by the target service mechanism under the condition that confirmation input of the first prompt message by a user is received;

5. The method according to claim 4, wherein the acceptance response, the first prompt information, and the confirmation instruction all carry a first subscription identity;

after receiving the confirmation instruction sent by the target service mechanism, and before sending a subscription number generation request to the target digital resource management mechanism, the method further includes:

6. The method of claim 5, wherein after verifying the first subscription identity and the target service entity and before sending a subscription number generation request to the target digital resource management entity, further comprising:

sending the target token number to the target service organization if the target token number exists;

the sending of the signing number generation request to the target digital resource management mechanism includes:

and sending a signing number generation request to the target digital resource management mechanism under the condition that the target token number does not exist.

7. The method according to claim 6, wherein after detecting whether there is a target token number corresponding to the target digital resource account, before sending a contract number generation request to the target digital resource management entity, the method further comprises:

under the condition that the target token number is not stored, sending second prompt information waiting for inputting a verification code to the target service mechanism;

sending an authentication request to the target digital resource management authority; the target digital resource management mechanism carries out identity authentication on the user information, and sends a verification code to a communication account corresponding to the user information under the condition that the authentication is passed;

receiving an authorization instruction sent by the target service mechanism; the authorization instruction is an instruction generated after the target service mechanism receives the verification code input by the user;

the sending the signing number generation request to the target digital resource management mechanism includes:

and responding to the authorization instruction, and sending the signing number generation request to the target digital resource management mechanism.

8. The method according to claim 1 or 2, wherein before receiving the subscription number sent by the digital resource management authority, the method further comprises:

receiving a second query request sent by the target service mechanism;

responding to the second query request, sending a digital resource management mechanism list supporting subscription to the target service mechanism so as to enable the target service mechanism to display the digital resource management mechanism list;

receiving the user information and the information of the target digital resource management mechanism sent by the target service mechanism; the target digital resource management mechanism is a mechanism corresponding to a third selection input aiming at the digital resource management mechanism list and received by the target service mechanism; the user information is input information received by the target service mechanism;

sending the signing request carrying the user information to the target digital resource management mechanism so that the target digital resource management mechanism determines the target digital resource account according to the user information;

9. The method according to claim 8, wherein said sending the subscription request carrying the user information to the target digital resource management entity comprises:

generating a second subscription identifier based on the user information;

returning the second subscription identifier to the target service mechanism; so that the target service mechanism sends the subscription request generated based on the second subscription identifier to the target digital resource management mechanism.

10. A digital resource account binding method is applied to a digital resource management mechanism and is characterized by comprising the following steps:

11. The method of claim 10, wherein after sending the subscription number to the resource serving system, further comprising:

receiving a digital resource transfer request and a first subscription number sent by the resource service system; the digital resource transfer request is a request which is received by the target service mechanism and aims at a first digital resource account; the first subscription number is a subscription number corresponding to the first token number; the first token number is the token number which is sent to the resource service mechanism by the target service mechanism and corresponds to the first digital resource account number;

12. The method of claim 10 or 11, wherein before generating the subscription number, further comprising:

receiving the signing request sent by a user through a front-end application program;

based on the signing request, sending a first query request to the resource service system;

displaying a service mechanism list supporting subscription and an account list corresponding to the user information included in the subscription request, wherein the service mechanism list is a list returned by the resource service system based on the first query request;

receiving a first selection input for the target service institution in the service institution list and a second selection input for the target digital resource account in the account list;

13. The method according to claim 12, wherein after the sending the information of the target service organization and the target digital resource account to the resource service system and before generating a subscription number, further comprising:

receiving an acceptance response fed back by the resource service system; the acceptance response is a response returned by the resource service system after the target digital resource account is stored;

receiving a signing number generation request sent by the resource service system; the subscription number generation request is a request generated by the resource service system under the condition of receiving a confirmation instruction sent by the target service mechanism;

the generating of the subscription number includes:

and responding to the signing number generation request to generate the signing number.

14. The method of claim 13, wherein after sending the first prompt to the target service entity and before receiving the subscription number generation request sent by the resource service system, the method further comprises:

receiving an authentication request sent by the resource service system;

under the condition that the authentication is passed, sending a verification code to a communication account corresponding to the user information; and the target service mechanism sends an authorization instruction to the resource service system after receiving the verification code input by the user, and the resource service system responds to the authorization instruction to generate the signing number generation request.

15. A digital resource account binding device is applied to a resource service system and is characterized by comprising:

16. A digital resource account number binding device is applied to a digital resource management mechanism and is characterized by comprising:

17. An electronic device, characterized in that the electronic device comprises: a processor and a memory storing computer program instructions;

the processor, when executing the computer program instructions, implements the digital resource account binding method of any of claims 1-9 or 10-14.

18. A computer storage medium having computer program instructions stored thereon, which when executed by a processor, implement the digital resource account binding method of any one of claims 1-9 or 10-14.