CN113191869A - Digital currency account control method and device - Google Patents
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/405—Establishing or using transaction specific rules
Abstract
A digital currency account control method and device are disclosed. And deploying account limiting rules agreed by each supervisor and the operating institution on a wallet server side of the operating institution. If a certain supervisor finds that the target account is suspected of being illegal or violating the economic activity, the account limiting rule agreed by an operation organization in advance can be called by sending an account limiting instruction to the wallet server, and the target account is appointed, so that the wallet server can immediately limit the target account according to the called account limiting rule.
Description
Technical Field
The embodiment of the specification relates to the technical field of information, in particular to a digital currency account control method and device.
Background
At present, the digital currency payment tool is used as a substitute for cash and paper money on a digital level, and has important significance for constructing a cashless society.
Generally, digital money issuing organizations authorize various operating organizations (e.g., banks, financial technology companies, etc.) to issue digital money as agents. The user needs to select a certain operation mechanism to open the digital currency account, and then the wallet service end of the operation mechanism manages and controls the account of the user.
In practice, a user can use his/her own account to participate in various economic activities, and if the user has a violation or illegal behavior in the economic activities, it is necessary to take some degree of limitation measures on the user's account. In the prior art, the appealing party who takes a limiting measure on the account of the user is not an operator but a supervisor of the specific economic activity in which the user participates.
This means that when the administrator wants to take a limiting measure for the account of the user, it needs to take time to communicate with the operation institution before the administrator can take the limiting measure for the account of the user with the operation institution. However, the user may transfer the digital money in the own account using the window period in which the own account has not been restricted, evading the penalty.
Disclosure of Invention
In order to facilitate a supervisor to take a limiting measure on a digital money account of a illegal or illegal user in time and avoid the supervisor from escaping from punishment, the embodiment of the specification provides a digital money account control method and device, and the technical scheme is as follows:
according to the 1 st aspect of the embodiments of the present specification, there is provided a digital money account control method applied to a wallet server of a digital money operating institution, wherein for any supervisor, the wallet server stores an account restriction rule agreed in advance by the supervisor and the operating institution, the method includes:
receiving an account limiting instruction sent by any one monitoring party; the account limiting instruction comprises a target account identifier and a target rule identifier;
determining an account limiting rule corresponding to the target rule identifier from the stored account limiting rules, and creating an account limiting process for the target account corresponding to the target account identifier in the memory based on the account limiting rule corresponding to the target rule identifier;
wherein the account restriction process is used to implement at least 1 of the following 3 operations:
(1) limiting at least one account operating permission of the target account;
(2) inhibiting digital currency from flowing into the target account and/or inhibiting digital currency from flowing out of the target account;
(3) freezing digital currency in the target account.
According to the 2 nd aspect of the embodiments of the present specification, there is provided a digital money account control apparatus, the apparatus being a wallet service side of a digital money operating institution, the apparatus storing thereon, for any administrator, an account restriction rule agreed in advance by the administrator and the operating institution, the apparatus including:
the receiving module is used for receiving an account limiting instruction sent by any monitoring party; the account limiting instruction comprises a target account identifier and a target rule identifier;
the determining module is used for determining the account limiting rule corresponding to the target rule identifier from the stored account limiting rules;
the control module is used for establishing an account limiting process for the target account corresponding to the target account identifier in the memory based on the account limiting rule corresponding to the target rule identifier;
wherein the account restriction process is used to implement at least 1 of the following 3 operations:
(1) limiting at least one account operating permission of the target account;
(2) inhibiting digital currency from flowing into the target account and/or inhibiting digital currency from flowing out of the target account;
(3) freezing digital currency in the target account.
According to the technical scheme provided by the embodiment of the specification, the account limiting rule agreed by each supervisor and the operation organization is deployed on the wallet server side of the operation organization. If a certain supervisor finds that the target account is suspected of being illegal or violating the economic activity, the account limiting rule agreed by an operation organization in advance can be called by sending an account limiting instruction to the wallet server, and the target account is appointed, so that the wallet server can immediately limit the target account according to the called account limiting rule.
Through the embodiment of the specification, when the monitoring party needs to collect the limiting measures for the target account, the monitoring party does not need to delay time to communicate with an operation mechanism, but directly collects the limiting measures for the target account in time in a mode of sending an account limiting instruction to a wallet server, and a window period avoiding penalties is not reserved for the target account.
It is to be understood that both the foregoing general description and the following detailed description are exemplary and explanatory only and are not restrictive of embodiments of the invention.
In addition, any one of the embodiments in the present specification is not required to achieve all of the effects described above.
Drawings
In order to more clearly illustrate the embodiments of the present disclosure or the technical solutions in the prior art, the drawings that are needed to be passed through in the description of the embodiments or the prior art will be briefly described below, it is obvious that the drawings in the following description are only some embodiments described in the embodiments of the present disclosure, and other drawings can be obtained by those skilled in the art according to the drawings.
FIG. 1 is a schematic diagram of an operator stored account restriction rule provided by an embodiment of the present specification;
FIG. 2 is a schematic diagram of the account control principles provided by embodiments of the present description;
FIG. 3 is a flow chart of a digital money account control method provided by an embodiment of the present disclosure;
FIG. 4 is a schematic structural diagram of a digital money account control device provided in an embodiment of the present disclosure;
fig. 5 is a schematic structural diagram of a computer device for configuring an apparatus according to an embodiment of the present disclosure.
Detailed Description
First, some technical concepts related to the present specification are introduced:
digital currency is usually issued by a country-specific institution or authorized by the country-specific institution, and cryptographic technology is used as technical support; legal currency in the form of a string of encrypted numbers representing a specific amount of money.
Digital currency issuing institution: a country specifying an institution that has the right to issue digital currency, or other institution authorized by the institution.
Digital money operating institution: a third party operator having rights to issue digital money, typically licensed by a digital money issuing authority; for example, a third-party operator such as a commercial bank or a third-party payment platform may obtain an issue right of digital money under the permission of the digital money issuing authority.
Digital currency is different from traditional electronic currency based on electronic accounts. In the issuing mode, the digital currency is the digitization of the currency itself, and does not depend on any bank account and a single network, while the electronic currency depends on the bank account and the single network. In the storage mode, the digital currency is a string of characters generated by a digital currency issuing mechanism according to an encryption mechanism, and a storage medium of the digital currency can be a mobile phone, and can also be electronic equipment such as a card, a magnetic disk, a computer and the like; electronic money is electronic money, and the electronic money is stored in a bank account or an escrow account and cannot be stored in any electronic device. In the circulation mode, the electronic money can only be stored in a bank account or an escrow account, and the electronic money must circulate by depending on a special network and cannot be transferred between two users; digital money can be stored on various electronic devices, so that the digital money can be circulated by different networks, and the circulation process is essentially completed by transferring between the electronic purses of two users. In addition, electronic money does not have a real name, and the circulation process cannot be traced; the digital currency has a real name, so that even if the ownership of the digital currency changes in the circulation process, the process tracing can be realized, and the risk of illegal transactions is avoided.
Most of the existing electronic purses and digital purses are only an application located on a mobile terminal, are not independent purses, are not digitalized entity purses and depend on a background account system. Different from the prior art, the digital money wallet is a completely independent terminal wallet and is a carrier for actually storing encrypted digital money, the digital money is recorded in the digital money terminal wallet, the digital money is really transferred among the digital money wallets, the digital money wallet is a digital entity wallet in the true sense, does not depend on a background account system, and can also provide various wallet application functions based on a terminal localization entity wallet.
In terms of a security protection mechanism, the existing electronic wallet depends on a background system in the security protection mechanism, and an effective and complete security protection mechanism is lacked in terms of a wallet terminal. The digital currency wallet adopts a local safety protection mechanism, does not depend on a background system and other mechanisms, can effectively protect the operation and transaction processing process of the whole wallet, and improves the safety protection capability of the wallet to a great extent.
In summary, digital money wallets are based on digital money with encryption technology as the core, and thus are different from electronic wallets based on an account system. While digital currency terminal wallets emphasize terminal-deployed wallets, rather than being based on a front-end presentation and operational interface outside of the network core accounting system, the terminal wallets provide fully localized standalone wallet operations and functional support based on a local security module and operating system provided by the terminal's operating environment (e.g., mobile terminal, etc.). Finally, the digital currency terminal wallet meets the management requirements of a digital currency issuing mechanism, can be communicated with the existing account system, and realizes the integration with financial infrastructure. Thus, the digital currency wallet is a completely new design, different from account-based wallets and token wallets like bitcoins, and indeed can replace traditional physical currency, complete payments and support other financial and business needs, digital currency-oriented digital entity wallets.
The user's digital money wallet may be the user's digital money account opened at the operator, and in practice, the user may use his own account to participate in various economic activities. The wallet service side of the operation organization can manage and control the account of the user. If a user has a violation or illegal activity in an economic activity, it is necessary to take some degree of restrictive action on the user's account.
Fig. 1 is a schematic diagram of an account restriction rule stored by an operator provided in an embodiment of the present specification. As shown in fig. 1, each administrator may agree with the operation institution with the account restriction rules, and the operation institution stores the agreed account restriction rules, which means that the operation institution has agreed in advance that the administrator may collect the restriction measures for a certain account by calling the agreed account restriction rules.
For each supervisor, the supervisor may contract account restriction rules with the operator separately, so that only the supervisor has access to the contracted account restriction rules. Of course, it is also possible that a certain account restriction rule is agreed upon by more than one administrator together with the operator.
In addition, the supervisor may also be allowed to invoke any account restriction rules stored on the wallet service ticket (whether or not the account restriction rules are in the supervisor's engagement).
Fig. 2 is a schematic diagram of an account control principle provided by an embodiment of the present specification. In this specification, an account restriction rule typically specifies which restrictions are to be applied to an account, and thus an account restriction rule may be understood as an alternative account restriction scheme. The administrator invokes an account restriction rule, meaning that the restriction measures specified in the account restriction rule are to be taken to restrict the digital currency account of the user.
As shown in fig. 2, when the administrator invokes the account restriction rules stored by the wallet client, the account (referred to herein as the target account) for which restriction measures need to be taken needs to be specified to the wallet client. The target account can be subjected to limitation measures by a plurality of supervisors, and limitation operations generated by a plurality of account limitation rules can be superposed on the target account.
The technical solutions provided by the embodiments of the present description are described in detail below with reference to the accompanying drawings.
Fig. 3 is a schematic flow chart of a digital currency account control method provided in an embodiment of the present specification, including the following steps:
s300: and receiving account limiting instructions sent by any one supervisor.
The execution subject of the method shown in fig. 3 is a wallet server of the operator, which may specifically be a server or a server cluster of the operator.
An administrator as described herein refers to a principal having administrative responsibility for economic activities that a user engages in using a digital currency account. The specific identity of the supervising party depends on the specific economic activity the user is engaged in. For example, the supervisor may be an administrator of the e-commerce platform who has the right to take restrictive measures on the account of the offending user; the supervisor may also be a judicial authority that has the authority to take restrictions on the account of an illicit user; the supervisor may also be a wind-controlled person who has the right to take restrictions on user accounts that are at risk of fraud or theft.
For any supervisor, if it wants to collect the limitation measures for the account of a certain user, it needs to send the account limitation instruction to the wallet service end of the operator. The account restriction instruction needs to carry an identifier of a target account to be restricted (i.e. a target account identifier) and an identifier of an account restriction rule to be invoked (i.e. a target rule identifier).
S302: and determining the account restriction rule corresponding to the target rule identifier from the stored account restriction rules.
In this specification embodiment, the account restriction rules may be defined from the following 3 dimensions: the method comprises an account operation authority dimension, an account fund liquidity dimension and an account balance dimension.
In the embodiments of the present specification, an account generally has several operation rights, such as a collection right, a payment right, a fund deduction right, a consumption refund right, an upgrade right, a logout right, an account information change right, a balance viewing right, a right to convert digital money into electronic money, a right to convert electronic money into digital money, and the like. In one account restriction rule, it may be specified which operation rights of an account are restricted (i.e., which operation rights are frozen).
Furthermore, a plurality of account operation permission sets are pre-configured on the wallet service end, and different account operation permission sets are associated with different account operation scenes.
For example, for an account operation scenario related to the inflow of funds, the associated set of account operation permissions may include the right to convert electronic funds into digital currency, the right to collect funds, the right to receive a refund for consumption, and the like.
For the account operation scene related to the fund flow, the associated account operation authority set can include the authority of converting the digital currency into the electronic fund, the payment authority, the authority of returning the consumption and returning, and the like.
For the account operation scene related to information viewing, the associated account operation permission set may include a permission to view account balance, a permission to view account information, a permission to view funds of an account into and out of details, and the like.
For the account operation scenario related to account management, the associated set of account operation permissions may include a permission to change account information, a permission to upgrade an account level, a permission to log off an account, and the like.
It should be noted that, when the account is limited in the account operation authority dimension, the account can be directly logged off, so that the account does not exist and naturally does not have various account operation authorities.
In the embodiments of the present specification, the fund mobility of the account refers to the flow of digital money into the account and the flow of digital money out of the account. One account restriction rule may specify that digital currency is prohibited from flowing into the target account and/or that digital currency is prohibited from flowing out of the target account.
In the embodiments of the present specification, the account balance refers to the digital money deposited in the account. In one account restriction rule, it may be specified that some or all of the digital money in the account is frozen so that the frozen digital money is not usable by the user.
It should be noted that, for the account balance dimension, the account restriction rules may specify how much denomination of digital currency is to be frozen. Of course, the account restriction rule may not specify how much denomination of digital money is to be blocked, but the administrator may specify an amount to the wallet service while invoking the account restriction rule, so as to instruct the wallet client to block the amount of digital money specified in the target account according to the invoked account restriction rule.
S304: and establishing an account limiting process for the target account corresponding to the target account identification in the memory based on the account limiting rule corresponding to the target rule identification.
The account restriction process is used to implement at least 1 of the following 3 operations:
(1) limiting at least one account operating permission of the target account;
(2) inhibiting digital currency from flowing into the target account and/or inhibiting digital currency from flowing out of the target account;
(3) freezing digital currency in the target account.
In this embodiment of the present specification, if at least one account operation scenario is specified in the account restriction rule corresponding to the target rule identifier, at least one associated account operation set may be determined, and for the target account, account operation permissions in the at least one determined account operation permission set are restricted.
Further, a specific implementation of freezing digital currency in the target account is described in detail.
Freezing the digital currency in the target account may be the following:
1. the wallet service freezes all digital currency in the target account. That is, the wallet service freezes all balances of the current target account.
2. The wallet service freezes all of the digital currency in the target account and specifies the digital currency flowing into the target account for a subsequent period. That is, the wallet service may not only freeze the entire balance of the current target account, but also freeze the digital money that flows into the target account for a subsequent period of time. The specified subsequent period may be specified by the account restriction instruction, or may be specified in the account restriction rule corresponding to the target rule identifier. For example, the specified subsequent period may be within one month from the current start, or may be all the time after the current start.
3. The wallet service freezes the digital currency of the amount specified in the target account. The specified amount may be specified by the account restriction instruction, or may be specified in an account restriction rule corresponding to the target rule identifier.
Since the target account may not only be limited by the account limiting instruction, but also may be limited by other account limiting instructions (which may be issued by the same administrator or by different administrators), there may be some digital money currently in the target account that is blocked by other limiting instructions (i.e., other account limiting processes). Thus, the restricted process can only freeze digital currency that is not currently frozen.
Specifically, if the denomination of the currently unfrozen digital currency in the target account is smaller than the designated amount, the currently unfrozen digital currency is frozen, and the amount to be frozen is determined, so that the digital currency with the amount to be frozen is frozen by using subsequently generated unfrozen digital currency in the target account.
Here, the subsequently generated digital money that is not frozen may be obtained by unfreezing the digital money frozen by another account restricting process, or may be the digital money that flows into the target account.
And if the denomination of the digital currency which is not frozen currently in the target account is not less than the designated amount, the digital currency freezing of the designated amount can be realized by directly using the digital currency which is not frozen currently.
In this embodiment of the present specification, when more than one account restriction instruction is superimposed on the target account, and the account restriction instructions all involve freezing of digital currency in the target account, there may be a case where the target account has an amount to be frozen for a plurality of account restriction instructions. In this case, different account restriction processes may contend for subsequently generated digital currency in the target account that is not frozen.
To this end, a priority may be assigned to each account restriction rule stored on the wallet service end in advance, and thus, in the method shown in fig. 3, the wallet service end may further assign the priority of the account restriction rule corresponding to the target rule identification to the account restriction process. This means that when more than one account restriction process relating to the amount to be frozen is associated with the target account, the account restriction processes can effect the freezing of the digital money of the amount to be frozen with subsequently generated unfrozen digital money in the target account in order of priority according to each other. For two account restriction processes with the same priority, according to the time sequence created by the two account restriction processes, the non-frozen digital currency which is generated subsequently in the target account can be utilized first and then.
Specifically, in the method shown in fig. 3, when it is monitored that digital money that is not frozen appears in the target account, it is determined whether there are other money amounts to be frozen that satisfy a specified condition in the target account; the specified condition is that the priority of other account limiting processes of other amounts to be frozen is determined to be higher than or equal to the priority of the account limiting process; if not, the digital currency of the amount to be frozen is frozen by using the digital currency which is not frozen, and if so, other account limiting processes for determining other amounts to be frozen can preferentially use the digital currency which is not frozen.
In the embodiment of the present specification, the digital money not frozen in the target account may be unfrozen from the digital money frozen in the account restriction process of lower priority.
Specifically, in the method shown in fig. 3, the wallet client may determine whether there is digital money frozen by other account restriction processes of lower priority in the target account according to the priority of the account restriction process; and if so, unfreezing the digital currency of the amount to be frozen from the digital currency frozen by other account limiting processes with lower priority, and freezing the digital currency of the amount to be frozen through the account limiting processes.
In an embodiment of this specification, the any administrator that sends the account restriction instruction may further send a deduction instruction to a wallet service end, where the deduction instruction includes a deduction amount and a process identifier of the account restriction process. In this way, the wallet service may unfreeze the digital money of the deduction amount from the digital money frozen by the account restriction process, and transfer the unfrozen digital money to any one of the supervisors.
In addition, the account restriction instructions in the embodiments of the present specification may further specify an execution period for specifying a validity period of the restriction action to be taken with respect to the target account. The wallet service may remove the restriction on the target account after the execution period has elapsed.
In addition, the wallet service end can also receive an account limit withdrawal instruction sent by any one of the monitoring parties aiming at the account limit process; and then, according to the limitation withdraw instruction, the limitation operation executed on the target account by the account limitation process is withdrawn.
It should be noted that, in this embodiment of the present specification, a monitoring party initiates an account restriction instruction to trigger an account restriction process on a target account. When a plurality of account limiting instructions are superimposed on the target account, a plurality of account limiting processes are actually superimposed on the target account. If the target account is required to be restored to an unlimited state, the limitation operations executed by all account limitation processes superposed on the target account need to be cancelled.
In this embodiment of the present specification, the wallet service end may receive an account restriction update instruction sent by any of the supervisors for the account restriction process. Then, revoking the limiting operation executed on the target account through the account limiting process; and according to the account limit updating instruction, recreating the account limit process in the memory and running the account limit process. In this way, the supervisor can update the restriction measures initiated by the supervisor on the target account at any time.
In this embodiment of the present specification, before creating an account restriction process for a target account corresponding to the target account identifier in a memory based on an account restriction rule corresponding to the target rule identifier, the wallet service end may determine whether the account restriction rule corresponding to the target rule identifier is agreed with the operation institution in advance by any of the supervisors; if so, establishing an account limiting process for the target account corresponding to the target account identifier in the memory based on the account limiting rule corresponding to the target rule identifier; and if not, rejecting the account limiting instruction.
The following describes technical solutions of the embodiments of the present specification by way of example.
Assuming that the target account (account id X) is not currently subject to any restrictive action, and is in a normal state, i.e. has all account operation rights, the inflow and outflow of digital money can be performed, and the digital money in the account is not frozen. The target account has 1000 dollars of digital currency stored therein.
The supervisor 1 has agreed account restriction rule A with the wallet service end in advance, and the account restriction rule A is as follows:
the supervisor 2 has agreed account restriction rule B with the wallet service end in advance, and the account restriction rule B is as follows:
the supervisor 3 has agreed with the wallet service end in advance an account restriction rule C, which is as follows:
and the supervisor 1 initiates an account limiting instruction 1 to the wallet server side when finding that the target account is suspected of violation, wherein the account limiting instruction carries an account identifier X and a rule identifier A of an account limiting rule A and also carries the specified amount of 500 yuan.
The wallet server creates an account restriction process 1, marks the priority of the account restriction process 1 as level 1, and performs the following restriction on a target account X by executing the account restriction process 1: and limiting the account operation authority in the account operation scene related to information viewing, not allowing the account to flow digital currency, and freezing 500 yuan in 1000 yuan of digital currency in the target account, wherein the 500 yuan of digital currency left in the target account is not frozen at the moment.
Subsequently, the supervisor 2 also finds that the target account is suspected of being violated, and also initiates an account restriction instruction 2 to the wallet server, where the account restriction instruction carries an account identifier X and a rule identifier B of an account restriction rule B, and also carries a specified amount of 800 yuan.
The wallet server creates an account restriction process 2, marks the priority of the account restriction process 2 as level 2, and performs the following restriction on a target account X by executing the account restriction process 2: the account is not allowed to flow in digital currency, 500 yuan of digital currency which is not frozen in the target account is frozen, and the amount to be frozen of 300 yuan is determined.
Since the account restriction process 2 has a higher priority than the account restriction process 1, the wallet service ticket may unfreeze 300 out of the 500 elements frozen by the account restriction process 1 at this time, and then the unfrozen 300 elements are frozen again by the account restriction process 2. Thus, the account restriction process 1 freezes the digital currency of 200 yuan, and the amount to be frozen is 300 yuan; the account restriction process 2 freezes the digital currency to 800 dollars, with no amount to be frozen.
Then, the 3 pages of the supervisor find that the target account is suspected of being violated, and also initiate an account restriction instruction 3 to the wallet server, where the account restriction instruction carries an account identifier X and a rule identifier C of an account restriction rule C, and also carries a specified amount of 200 yuan.
The wallet server creates an account restriction process 3, marks the priority of the account restriction process 3 as level 1, and performs the following restriction on a target account X by executing the account restriction process 3: a 200 dollar amount to be frozen is determined (since the entire balance in the target account has now been frozen by account limit processes 1 and 2).
Subsequently, 200 dollars of digital money flows into the target account, at this time, the account restriction process 1 and the account restriction process 3 both have the amount to be frozen, and the account restriction process 1 and the account restriction process 3 have the same priority, so that the account restriction process 1 preferentially uses the flowing 200 dollars of digital money to perform the freezing because the account restriction process 1 is created earlier than the account restriction process 3. Then, the amount to be frozen of the account restriction process 1 is 100 dollars, and the amount to be frozen of the account restriction process 3 remains 200 dollars.
In this embodiment of the present specification, after the execution of the account restriction process is completed, an account restriction record may be generated, which is convenient for reference.
In practical applications, if the account of the user is in a limited state, when the user uses the account to participate in the service, the service party does not know whether the account state of the user is suitable for performing the service (for example, the account of the user is prohibited from flowing out of digital money, but uses the account to purchase goods from the caller platform). Therefore, the wallet service end can be exposed to an account state query interface of the service party, when the service party judges whether the account of the user can participate in the service, the account state query interface is called, and the state of the user account is obtained by querying the account limit record of the user account.
Fig. 4 is a schematic structural diagram of a digital money account control device provided in an embodiment of the present specification, where the device is a wallet service end of a digital money operating institution, and for any administrator, the device stores an account restriction rule agreed in advance by the administrator and the operating institution, and the device includes:
the receiving module 401 receives an account restriction instruction sent by any one of the monitoring parties; the account limiting instruction comprises a target account identifier and a target rule identifier;
a determining module 402, configured to determine an account restriction rule corresponding to the target rule identifier from stored account restriction rules;
the control module 403, based on the account restriction rule corresponding to the target rule identifier, creates an account restriction process for the target account corresponding to the target account identifier in the memory;
wherein the account restriction process is to implement at least 1 of the following 3 operations:
(1) limiting at least one account operating permission of the target account;
(2) inhibiting digital currency from flowing into the target account and/or inhibiting digital currency from flowing out of the target account;
(3) freezing digital currency in the target account.
Embodiments of the present specification also provide a computer device, which at least includes a memory, a processor, and a computer program stored in the memory and executable on the processor, wherein the processor implements the functions of the method shown in fig. 3 when executing the program.
Fig. 5 is a schematic diagram illustrating a more specific hardware structure of a computing device according to an embodiment of the present disclosure, where the computing device may include: a processor 1410, a memory 1420, an input/output interface 1430, a communication interface 1440, and a bus 1450. Wherein the processor 1410, memory 1420, input/output interface 1430, and communication interface 1440 enable communication connections within the device with each other via bus 1450.
The processor 1410 may be implemented by a general-purpose CPU (Central Processing Unit), a microprocessor, an Application Specific Integrated Circuit (ASIC), or one or more Integrated circuits, and is configured to execute related programs to implement the technical solutions provided in the embodiments of the present specification.
The Memory 1420 may be implemented in the form of a ROM (Read Only Memory), a RAM (Random Access Memory), a static storage device, a dynamic storage device, or the like. The memory 1420 may store an operating system and other application programs, and when the technical solution provided by the embodiments of the present specification is implemented by software or firmware, the relevant program codes are stored in the memory 1420 and called to be executed by the processor 1410.
The input/output interface 1430 is used for connecting an input/output module to realize information input and output. The i/o module may be configured as a component in a device (not shown) or may be external to the device to provide a corresponding function. The input devices may include a keyboard, a mouse, a touch screen, a microphone, various sensors, etc., and the output devices may include a display, a speaker, a vibrator, an indicator light, etc.
The communication interface 1440 is used for connecting a communication module (not shown in the drawings) to enable the device to interact with other devices. The communication module can realize communication in a wired mode (such as USB, network cable and the like) and also can realize communication in a wireless mode (such as mobile network, WIFI, Bluetooth and the like).
It should be noted that although the above-described apparatus shows only a processor 1410, a memory 1420, an input/output interface 1430, a communication interface 1440, and a bus 1450, in a specific implementation, the apparatus may also include other components necessary for proper operation. In addition, those skilled in the art will appreciate that the above-described apparatus may also include only those components necessary to implement the embodiments of the present description, and not necessarily all of the components shown in the figures.
Embodiments of the present description also provide a computer-readable storage medium on which a computer program is stored, which when executed by a processor implements the functions of the method shown in fig. 3.
Computer-readable media, including both non-transitory and non-transitory, removable and non-removable media, may implement information storage by any method or technology. The information may be computer readable instructions, data structures, modules of a program, or other data. Examples of computer storage media include, but are not limited to, phase change memory (PRAM), Static Random Access Memory (SRAM), Dynamic Random Access Memory (DRAM), other types of Random Access Memory (RAM), Read Only Memory (ROM), Electrically Erasable Programmable Read Only Memory (EEPROM), flash memory or other memory technology, compact disc read only memory (CD-ROM), Digital Versatile Discs (DVD) or other optical storage, magnetic cassettes, magnetic tape magnetic disk storage or other magnetic storage devices, or any other non-transmission medium that can be used to store information that can be accessed by a computing device. As defined herein, a computer readable medium does not include a transitory computer readable medium such as a modulated data signal and a carrier wave.
From the above description of the embodiments, it is clear to those skilled in the art that the embodiments of the present disclosure can be implemented by software plus necessary general hardware platform. Based on such understanding, the technical solutions of the embodiments of the present specification may be essentially or partially implemented in the form of a software product, which may be stored in a storage medium, such as a ROM/RAM, a magnetic disk, an optical disk, etc., and includes several instructions for enabling a computer device (which may be a personal computer, a server, or a network device, etc.) to execute the methods described in the embodiments or some parts of the embodiments of the present specification.
The systems, methods, modules or units described in the above embodiments may be implemented by a computer chip or an entity, or by a product with certain functions. A typical implementation device is a computer, which may take the form of a personal computer, laptop computer, cellular telephone, camera phone, smart phone, personal digital assistant, media player, navigation device, email messaging device, game console, tablet computer, wearable device, or a combination of any of these devices.
The embodiments in the present specification are described in a progressive manner, and the same and similar parts among the embodiments are referred to each other, and each embodiment focuses on the differences from the other embodiments. In particular, the method and apparatus embodiments are substantially similar to the method embodiments and therefore are described in a relatively simple manner, and reference may be made to some of the descriptions of the method embodiments for related areas. The above-described method embodiments are merely illustrative, wherein the modules described as separate components may or may not be physically separate, and the functions of the modules may be implemented in one or more software and/or hardware when implementing the embodiments of the present specification. And part or all of the modules can be selected according to actual needs to achieve the purpose of the scheme of the embodiment. One of ordinary skill in the art can understand and implement it without inventive effort.
The foregoing is only a specific embodiment of the embodiments of the present disclosure, and it should be noted that, for those skilled in the art, a plurality of modifications and decorations can be made without departing from the principle of the embodiments of the present disclosure, and these modifications and decorations should also be regarded as the protection scope of the embodiments of the present disclosure.
Claims (16)
1. A digital currency account control method is applied to a wallet server of a digital currency operating mechanism, aiming at any supervisor, the wallet server stores the account restriction rule agreed by the supervisor and the operating mechanism in advance, and the method comprises the following steps:
receiving an account limiting instruction sent by any one monitoring party; the account limiting instruction comprises a target account identifier and a target rule identifier;
determining an account limiting rule corresponding to the target rule identifier from the stored account limiting rules, and creating an account limiting process for the target account corresponding to the target account identifier in the memory based on the account limiting rule corresponding to the target rule identifier;
wherein the account restriction process is used to implement at least 1 of the following 3 operations:
(1) limiting at least one account operating permission of the target account;
(2) inhibiting digital currency from flowing into the target account and/or inhibiting digital currency from flowing out of the target account;
(3) freezing digital currency in the target account.
2. The method of claim 1, wherein a plurality of account operation permission sets are pre-configured on the wallet server, and different account operation permission sets are associated with different account operation scenes;
limiting at least one account operation authority of the target account specifically includes:
determining at least one associated account operation permission set according to at least one account operation scene specified in the account restriction rule corresponding to the target rule identifier;
and limiting the determined account operation permission in at least one account operation permission set aiming at the target account.
3. The method according to claim 1, wherein limiting at least one account operating right of the target account specifically comprises:
and logging off the target account.
4. The method of claim 1, wherein freezing the digital currency of the target account comprises:
freezing all digital currency in the target account;
or, freezing all digital currency in the target account and designating digital currency flowing into the target account within a subsequent period;
or, freezing the digital currency of the designated amount in the target account.
5. The method of claim 4, wherein freezing the digital currency of the designated amount in the target account comprises:
and if the denomination of the digital currency which is not frozen currently in the target account is smaller than the designated amount, freezing the digital currency which is not frozen currently, and determining the amount to be frozen, so that the digital currency with the amount to be frozen is frozen by using the digital currency which is not frozen and is generated subsequently in the target account.
6. The method of claim 5, wherein the subsequently generated unfrozen digital currency is defrosted from digital currency frozen by other account restriction processes.
7. The method of claim 5, assigning a priority to each account restriction rule stored on the wallet service in advance;
the method further comprises the following steps:
and assigning the priority of the account limiting rule corresponding to the target rule identification to the account limiting process.
8. The method according to claim 7, wherein the freezing of the digital currency of the amount to be frozen is realized by using subsequently generated digital currency in the target account that is not frozen, and specifically comprises:
when the situation that digital currency which is not frozen appears in the target account is monitored, judging whether other money to be frozen meeting specified conditions exists in the target account or not; the specified condition is that the priority of other account limiting processes of other amounts to be frozen is determined to be higher than or equal to the priority of the account limiting process;
and if not, utilizing the inflowing digital currency to freeze the digital currency of the amount to be frozen.
9. The method according to claim 7, wherein the freezing of the digital currency of the amount to be frozen is realized by using subsequently generated digital currency in the target account that is not frozen, and specifically comprises:
judging whether digital money frozen by other account limiting processes with lower priorities exists in the target account or not according to the priority of the account limiting processes;
and if so, unfreezing the digital currency of the amount to be frozen from the digital currency frozen by other account limiting processes with lower priority, and freezing the digital currency of the amount to be frozen through the account limiting processes.
10. The method of claim 1, if the digital currency in the target account has been frozen by the account restriction process, the method further comprising:
receiving a deduction instruction sent by any one monitoring party; the deduction instruction comprises a deduction amount and a process identification of the account limiting process;
unfreezing the digital currency of the deduction amount from the digital currency frozen by the account restriction process, and transferring the unfrozen digital currency to any one of the monitoring parties.
11. The method of claim 1, the account limit instruction further specifying an execution period;
the method further comprises the following steps:
after the execution period has elapsed, removing the restriction from the target account.
12. The method of claim 1, further comprising:
receiving an account limit withdrawal instruction sent by any supervisor aiming at the account limit process;
revoking the restriction operation performed on the target account by the account restriction process.
13. The method of claim 1, further comprising:
receiving an account limit updating instruction sent by any supervisor aiming at the account limit process;
revoking the restriction operation performed on the target account by the account restriction process; and according to the account limit updating instruction, recreating the account limit process in the memory and running the account limit process.
14. The method of claim 1, wherein based on the account restriction rule corresponding to the target rule identifier, before creating an account restriction process for the target account corresponding to the target account identifier in the memory, the method further comprises:
judging whether the account restriction rule corresponding to the target rule identification is agreed by any one of the monitoring party and the operation mechanism in advance;
if so, establishing an account limiting process for the target account corresponding to the target account identifier in the memory based on the account limiting rule corresponding to the target rule identifier;
and if not, rejecting the account limiting instruction.
15. A digital currency account control device, the device is a wallet server side of a digital currency operation mechanism, aiming at any supervisor, the device stores the account restriction rule agreed by the supervisor and the operation mechanism in advance, the device comprises:
the receiving module is used for receiving an account limiting instruction sent by any monitoring party; the account limiting instruction comprises a target account identifier and a target rule identifier;
the determining module is used for determining the account limiting rule corresponding to the target rule identifier from the stored account limiting rules;
the control module is used for establishing an account limiting process for the target account corresponding to the target account identifier in the memory based on the account limiting rule corresponding to the target rule identifier;
wherein the account restriction process is used to implement at least 1 of the following 3 operations:
(1) limiting at least one account operating permission of the target account;
(2) inhibiting digital currency from flowing into the target account and/or inhibiting digital currency from flowing out of the target account;
(3) freezing digital currency in the target account.
16. A computer device comprising a memory, a processor and a computer program stored on the memory and executable on the processor, wherein the processor when executing the program implements the method of any one of claims 1 to 14.
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| CN2019110537932 | 2019-10-31 | ||
| CN201911053793.2A CN110838061A (en) | 2019-10-31 | 2019-10-31 | Digital currency account control method and device |
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| CN202010936605.7A Pending CN113191869A (en) | 2019-10-31 | 2020-09-08 | Digital currency account control method and device |
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| WO2023066215A1 (en) * | 2021-10-22 | 2023-04-27 | 中国人民银行数字货币研究所 | Digital currency wallet management method, and remote control method, apparatus and system |
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| CN112232809B (en) * | 2020-09-24 | 2022-09-16 | 支付宝(杭州)信息技术有限公司 | Data management method, device and equipment for frozen account and storage medium |
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| CN110838061A (en) | 2020-02-25 |
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