WO2023050983A1 - 数字钱包开立的方法、钱包应用终端和系统 - Google Patents

数字钱包开立的方法、钱包应用终端和系统 Download PDF

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Publication number
WO2023050983A1
WO2023050983A1 PCT/CN2022/107330 CN2022107330W WO2023050983A1 WO 2023050983 A1 WO2023050983 A1 WO 2023050983A1 CN 2022107330 W CN2022107330 W CN 2022107330W WO 2023050983 A1 WO2023050983 A1 WO 2023050983A1
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WIPO (PCT)
Prior art keywords
wallet
server
target operating
user
institution
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PCT/CN2022/107330
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English (en)
French (fr)
Inventor
程濯
李光耀
彭晨漪
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中国人民银行数字货币研究所
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Application filed by 中国人民银行数字货币研究所 filed Critical 中国人民银行数字货币研究所
Priority to EP22874380.3A priority Critical patent/EP4394681A1/en
Publication of WO2023050983A1 publication Critical patent/WO2023050983A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes

Definitions

  • the present disclosure relates to the field of computer technology, and in particular to a method for opening a digital wallet, a wallet application terminal and a system.
  • the digital currency adopts a two-tier operating system model that is issued by the issuing agency and operated by the server of the operating agency authorized by the issuing agency.
  • users need to open a digital wallet through the wallet opening method provided by the server of the authorized operating organization (such as downloading the App of the server of the specific operating organization, going to the offline outlet of the server of the authorized operating organization, etc.).
  • This wallet opening method is inconvenient to operate, and it is impossible to open a digital wallet on the server platform of another authorized operating agency on the server platform of an authorized operating agency.
  • the embodiments of the present disclosure provide a method for opening a digital wallet, a wallet application terminal and a system, and the entrance for opening a digital wallet is raised to the server of the digital currency issuer or other authorized or non-authorized operating agency server, so that Users do not need to use the wallet opening method provided by the server of the authorized operating agency, and can open digital wallets of multiple authorized operating agency servers on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.
  • a method for opening a digital wallet including:
  • the method before communicating with the server of the target operating institution, the method further includes: receiving the user’s wallet level operation request, and parsing the wallet level from the wallet level operation request;
  • Communicating with the target operating institution server further includes: sending the wallet level to the target operating institution server, so that the target operating institution server determines the verification content for verifying the user according to the wallet level ;
  • the method further includes: generating the wallet opening request based on the verification content that has passed the verification.
  • the verification content includes: a verification code; communicating with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the verification content includes: wallet information; communicating with the target operating agency server so that the target operating agency server verifies the user, including:
  • the wallet information includes wallet real name information and wallet user's biometric information; communicating with the target operating agency server to enable the target operating agency server to verify the user, including:
  • the verification content includes: bank account information; communicating with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the bank account information includes bank card number information and the mobile phone number bound to the bank card; communicating with the target operating agency server so that the target operating agency server verifies the user, including:
  • the method before sending the wallet opening request to the server of the target operating institution or the server of the digital currency issuing institution, the method further includes:
  • the server of the digital currency issuing institution saves relevant information of the opened wallet, and the relevant information includes at least one of the following: wallet name, wallet ID, bound mobile phone number.
  • a wallet application terminal including:
  • the information acquisition module acquires and displays a list of operating institution servers that can open a wallet from the digital currency issuing institution server, so that the user can select a target operating institution server from the operating institution server list;
  • An information verification module communicating with the server of the target operating institution, so that the server of the target operating institution can verify the user
  • the wallet opening module if the verification is passed, sends a wallet opening request to the digital currency issuing institution server, so that the digital currency issuing institution server notifies the target operating institution server to perform the wallet opening operation and returns the wallet Opening results, or send a wallet opening request to the target operating agency server to enable the target operating agency server to perform wallet opening operations, and return the wallet opening result to the digital currency issuer server; receive the digital currency The wallet opening result returned by the currency issuer server after opening the wallet.
  • the information acquisition module is further configured to: before communicating with the server of the target operating institution, receive the wallet level operation request of the user, and parse the wallet level from the wallet level operation request;
  • the information verification module is further configured to: send the wallet level to the target operating institution server, so that the target operating institution server determines the verification content for verifying the user according to the wallet level;
  • the wallet opening module is further configured to: generate the wallet opening request based on the verification content that passes the verification.
  • the verification content includes: a verification code; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the verification content includes: wallet information; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the wallet information includes wallet real name information and wallet user biometric information
  • the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, include:
  • the verification content includes: bank account information; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the bank account information includes bank card number information and a mobile phone number bound to the bank card;
  • the information verification module communicates with the server of the target operating agency, so that the server of the target operating agency performs a check on the user. Verification, including:
  • the information verification module is further configured to: before the wallet opening module sends a wallet opening request to the target operating institution server or the digital currency issuing institution server:
  • the server of the digital currency issuing institution saves relevant information of the opened wallet, and the relevant information includes at least one of the following: wallet name, wallet ID, bound mobile phone number.
  • a system for opening a digital wallet including: a wallet application terminal, a server of a target operating institution, and a server of a digital currency issuing institution; wherein,
  • the wallet application terminal sends a request to the digital currency issuing institution server to query the list of operating institution servers that can open a wallet; the digital currency issuing institution server returns the operating institution server list to the wallet application terminal;
  • the wallet application terminal presents the operating institution server list to the user, so that the user selects a target operating institution server from the operating institution server list;
  • the wallet application terminal communicates with the target operating institution server, and the target operating institution server verifies the user, and returns the verification result to the wallet application terminal;
  • the wallet application terminal sends a wallet opening request to the digital currency issuer server, and the digital currency issuer server notifies the target operating institution server to execute the wallet in response to the wallet opening request. Opening operation, the server of the target operating institution executes the wallet opening operation, and then returns the wallet opening result to the digital currency discovery institution, and the digital currency discovery institution returns the wallet opening result to the wallet application terminal ; Or, the wallet application terminal sends a wallet opening request to the target operating institution server, and the target operating institution server executes a wallet opening operation in response to the wallet opening request, and sends a request to the digital currency issuing institution server The wallet opening result is returned, and the digital currency discovery institution returns the wallet opening result to the wallet application terminal.
  • the wallet application terminal is also used for:
  • the wallet opening request is generated based on the verification content that has passed the verification.
  • the verification content includes: a verification code; the wallet application terminal sends a request for obtaining a verification code to the target operating institution server, and the target operating institution server responds to the obtaining verification code request to the wallet application The terminal returns a verification code;
  • the wallet application terminal sends a verification code request to the target operating institution server, and the target operating institution server verifies the user based on the verification code, and then returns a verification result to the wallet application terminal.
  • the verification content includes: wallet information; the wallet application terminal receives the wallet information input by the user, and sends the wallet information to the target operating agency server; the target operating agency server based on the The wallet information verifies the user, and then returns the verification result to the wallet application terminal.
  • the wallet information includes wallet real-name information and wallet user biometric information
  • the wallet application terminal receives the wallet real-name information input by the user, and sends the wallet real-name information to the target operating institution server;
  • the target operating institution server verifies the user based on the wallet real-name information, and then returns a verification result to the wallet application terminal;
  • the wallet application terminal receives the biometric information input by the user, and sends the biometric information to the target operating institution server; the target operating institution server verifies the user based on the biometric information, and then Return the verification result to the wallet application terminal.
  • the verification content includes: bank account information; the wallet application terminal receives the bank account information input by the user, and sends the bank account information to the target operating institution server; the target operating institution server The user is verified based on the bank account information, and then the verification result is returned to the wallet application terminal.
  • the bank account information includes bank card number information and the mobile phone number bound to the bank card;
  • the wallet application terminal receives the bank card number information input by the user, and sends the bank card number information to the target operating institution server;
  • the server of the target operating institution verifies the user based on the bank card number information, and then returns a verification result to the wallet application terminal;
  • the wallet application terminal verifies whether the bank card input by the user is a bank card of an authorized institution according to the bank card number information;
  • the wallet application terminal receives the bound mobile phone number of the bank card input by the user, and sends a request for obtaining a verification code to the server of the target operating institution; the server of the target operating institution queries the verification code from the issuing bank of the bank card, Return a verification code to the wallet application terminal; the wallet application terminal sends a verification verification code request to the target operating institution server, and the target operating institution server verifies the verification code to the issuing bank, and then sends the verification code to the wallet application The terminal returns the verification result.
  • the wallet application terminal is also used for:
  • the wallet opening module Before the wallet opening module sends a wallet opening request to the target operating institution server or the digital currency issuing institution server:
  • the server of the digital currency issuing institution saves relevant information of the opened wallet, and the relevant information includes at least one of the following: wallet name, wallet ID, bound mobile phone number.
  • an electronic device for opening a digital wallet including:
  • processors one or more processors
  • the one or more processors are made to implement the method provided by the first aspect of the embodiments of the present disclosure.
  • a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method provided in the first aspect of the embodiments of the present disclosure is implemented.
  • An embodiment in the above disclosure has the following advantages or beneficial effects: the entrance of digital wallet opening is raised to the digital currency issuer server or other authorized or non-authorized operating agency servers, so that users do not need to use the wallet opening provided by the authorized operating agency server.
  • multiple digital wallets of authorized operating agency servers can be opened on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.
  • Fig. 1 is a schematic diagram of the main flow of the method for opening a digital wallet according to an embodiment of the present disclosure
  • Fig. 2 is a schematic diagram of the main process of opening a digital wallet in an optional embodiment of the present disclosure
  • Fig. 3 is a schematic diagram of the main modules of the wallet application terminal of an embodiment of the present disclosure.
  • FIG. 4 is a schematic diagram of the main components of the system for opening a digital wallet according to an embodiment of the present disclosure
  • FIG. 5 is an exemplary system architecture diagram to which embodiments of the present disclosure can be applied.
  • FIG. 6 is a schematic structural diagram of a computer system suitable for implementing a terminal device or a server according to an embodiment of the present disclosure.
  • a method for opening a digital wallet is provided.
  • Fig. 1 is a schematic diagram of the main process of the method for opening a digital wallet according to an embodiment of the present disclosure. As shown in Fig. 1 , the method for opening a digital wallet according to an embodiment of the present disclosure includes:
  • Step S101 obtaining and displaying a list of operating institution servers that can open a wallet from the digital currency issuing institution server, so that the user can select a target operating institution server from the operating institution server list;
  • Step S102 communicating with the server of the target operating agency, so that the server of the target operating agency verifies the user;
  • Step S103 judging whether the verification is passed; if the verification is passed, then jump to step S104 or step S105 (specifically step S104 or step S105 is used, which can be selectively set according to the actual situation), otherwise the process ends;
  • Step S104 sending a wallet opening request to the digital currency issuing institution server, so that the digital currency issuing institution server notifies the target operating institution server to perform the wallet opening operation and returns the wallet opening result;
  • Step S105 sending a wallet opening request to the server of the target operating institution so that the server of the target operating institution performs a wallet opening operation, and returns the wallet opening result to the server of the digital currency issuer;
  • Step S106 receiving the wallet opening result returned by the digital currency issuer server after opening the wallet.
  • the server of the operating institution that can open a wallet is also the server of the authorized operating institution, which can provide operation and management services for the user's digital wallet.
  • the list of authorized operating institution servers can be obtained by communicating with the server of the digital currency issuing institution, and the information verification process when opening a wallet can be performed by communicating with the server of the target operating institution.
  • the wallet opening request of all users can be processed uniformly by the digital currency wallet application terminal.
  • the digital currency wallet application terminal After the user sends a wallet opening request to the digital currency wallet application terminal, the digital currency wallet application terminal forwards the request to the corresponding target operation Institutional server, after the server of the target operating institution opens a wallet, it feeds back the wallet information to the server of the digital currency issuing institution, and after the server of the digital currency issuing institution collects data (that is, records the wallet information), it returns the wallet opening result to the user.
  • the server of the target operating agency can also directly process all users' wallet opening requests.
  • the institutional server feeds back the wallet information, and the digital currency issuer server records the wallet information.
  • the embodiments of the present disclosure can increase the entrance of digital wallet opening to the digital currency issuer server or other authorized or non-authorized operating agency servers, so that users do not need to use the wallet opening method provided by the authorized operating agency server, and users can be in The same platform opens digital wallets for servers of multiple authorized operating agencies, which greatly reduces the threshold for users to use digital wallets and improves convenience.
  • the verification content for the target operating agency server to verify the user can be selectively set according to the actual situation, for example, according to the type of user or the type of digital wallet that the user needs to open.
  • receiving the user before communicating with the server of the target operating institution, receiving the user’s wallet level operation request, parsing the wallet level from the wallet level operation request; sending the wallet level to the target operating institution server, so that the server of the target operating institution determines verification content for verifying the user according to the wallet level; and generates the wallet opening request based on the verification content that passes the verification.
  • a wallet with less operation authority such as a Type 5 or Type 4 wallet, information such as a mobile phone number can be verified only through a verification code.
  • the wallet information can be further verified on the basis of verifying the verification code.
  • the security level requirements are high, and the verification content can further verify bank account information on the basis of verification codes and wallet information.
  • different verification contents can be set according to the wallet level to realize diversified management.
  • the verification content includes: a verification code; communicating with the server of the target operating agency, so that the server of the target operating agency can verify the user, including: sending a request for obtaining the verification code to the server of the target operating agency, receiving the target
  • the operating institution server sends a verifying verification code request to the target operating institution server, so that the target operating institution server verifies the user based on the verification code, and receives the verification result returned by the target operating institution server.
  • the server of the target operating organization can generate a verification code by itself and return it to the user, or call the interconnection network to generate a verification code, and then return the generated verification code to the user through the SMS service platform.
  • you can verify whether the user's mobile phone number is correct.
  • the verification content includes: wallet information; communicating with the target operating agency server, so that the target operating agency server verifies the user, including: receiving the wallet information input by the user, and sending the wallet information to The target operating agency server, so that the target operating agency server verifies the user based on the wallet information, and receives the verification result returned by the target operating agency server.
  • wallet information refers to information related to digital wallets, and its specific content can be selectively set according to the actual situation.
  • the wallet information includes wallet real name information and wallet user biometric information. Communicate with the server of the target operating agency to enable the server of the target operating agency to verify the user, including the following two parts: 1.
  • Wallet real-name information refers to the real-name information of the user.
  • the real-name information can be plaintext real-name information, such as household ID number or passport number, or ciphertext real-name information, such as generated according to the user ID number or passport number bound to the wallet.
  • the real-name ID of (eg, a properly hashed ID).
  • Biometric information refers to the information of the user's biological characteristics, such as iris, facial information, fingerprints, etc. By verifying the wallet information, the security of the wallet can be further improved.
  • the verification content includes: bank account information; communicating with the server of the target operating agency, so that the server of the target operating agency verifies the user, including: receiving the bank account information input by the user, and converting the bank account The information is sent to the target operating agency server, so that the target operating agency server verifies the user based on the bank account information, and receives the verification result returned by the target operating agency server.
  • Bank account information refers to information related to the user's bank account, and its specific content can be selectively set according to the actual situation, such as bank card number information, bank card binding mobile phone number, and bank card binding mailing address.
  • the bank account information includes the bank card number information and the mobile phone number bound to the bank card; communicating with the server of the target operating agency to enable the server of the target operating agency to verify the user, including the following two aspects: 1. Receive the user input Bank card number information, send the bank card number information to the server of the target operating agency, so that the server of the target operating agency can verify the user based on the bank card number information, and receive the verification result returned by the server of the target operating agency; 2.
  • Receive the binding of the bank card input by the user Set a mobile phone number, send a request to obtain a verification code to the server of the target operating agency, so that the server of the target operating agency can query the verification code from the issuing bank of the bank card, and receive the verification code returned by the server of the target operating agency; send the verification code to the server of the target operating agency request, so that the server of the target operating institution verifies the verification code to the issuing bank, and receives the verification result returned by the server of the target operating institution.
  • it is further possible to verify whether the bank card input by the user is a bank card of an authorized institution according to the bank card number information.
  • the server of the target operating organization can generate a verification code by itself and return it to the user, or call the interconnection network to generate a verification code, and then return the generated verification code to the user through the SMS service platform.
  • the verification code you can verify whether the user's mobile phone number is correct.
  • the security of the digital wallet can be further improved.
  • This embodiment can be applicable to the application scenario of opening a digital wallet with relatively large operation authority, for example, opening a second-type digital wallet or a first-class digital wallet.
  • the wallet level of the digital wallet that can be opened can be defaulted.
  • the user's wallet level operation request can be received, and the wallet level can be obtained from the wallet. Parse the wallet level in the level operation request.
  • This embodiment can meet the diverse needs of different types of users to open digital wallets and the same user to open different levels of wallets, and improve the convenience of opening wallets.
  • the wallet identification of the digital wallet that the user intends to open can be automatically determined according to the default rules, for example, the digital wallet that the user intends to open each time can be marked sequentially in the way of self-incrementing coding, or it can be sent to the target operating organization Before the server or the server of the digital currency issuer sends the wallet opening request, it receives the user's wallet identification operation request, and parses the wallet identification from the wallet identification operation request.
  • the wallet identifier can be the name of the wallet, the unique code of the wallet, or the display icon of the wallet, etc.
  • the embodiments of the present disclosure can meet the user's personalized requirements for wallet identification.
  • the payment password may be set by the user after the target operating agency server or digital currency issuing agency server opens a digital wallet, or it may be determined before sending a wallet opening request to the target operating agency server or digital currency issuing agency server For example, before sending the wallet opening request to the server of the target operating institution or the server of the digital currency issuer, receiving the user’s payment password operation request, and parsing the payment password of the wallet from the payment password operation request.
  • the server of the digital currency issuer receives the wallet opening result returned by the server of the target operating institution, it can save the relevant information of the opened wallet for inspection.
  • the relevant information includes at least one of the following: wallet name, wallet ID (wallet identification other than the wallet name), and bound mobile phone number.
  • wallet name wallet name
  • wallet ID wallet identification other than the wallet name
  • bound mobile phone number the wallet opened by the user
  • the related information may also include real-name information of the wallet.
  • the real-name information may be a user ID number, a passport number, and the like.
  • the real-name information is stored in ciphertext, and the encryption method of real-name information can be selectively set according to the actual situation.
  • Fig. 2 is a schematic diagram of the main process of opening a digital wallet in an optional embodiment of the present disclosure.
  • the execution subject of the digital wallet opening method is the wallet application terminal.
  • the digital wallet opening process mainly includes the following steps:
  • the wallet application terminal inquires the server of the digital or digital currency issuing institution for the server of the operating institution that can open a wallet;
  • the digital currency issuer server returns the list of operating institution servers that can be opened to the wallet application terminal;
  • the user selects the target operating agency server from the operating agency server list to perform the wallet opening verification process
  • the wallet application terminal obtains the verification code from the server of the target operator
  • the server of the target operating organization obtains the verification code from the interconnection network
  • the short message service platform returns a response to the interconnection network
  • the interconnection network returns a response to the server of the target operating organization
  • the server of the target operating organization returns a response to the wallet application terminal
  • the wallet application terminal requests the server of the target operating organization to verify the verification code
  • the server of the target operating organization requests the Interconnection Network to verify the verification code
  • the interconnection network After verifying the verification code, the interconnection network sends the verification result to the SMS service platform;
  • the short message service platform returns a response to the interconnection network
  • the interconnection network returns a response to the server of the target operating organization
  • the server of the target operating organization returns a response to the wallet application terminal
  • the user selects the wallet level to be opened on the wallet application terminal
  • the user sets the wallet name and payment password on the wallet application terminal
  • the wallet application terminal requests the server of the target operating organization to verify the real-name information of the wallet
  • the target operating agency server can perform OCR (Optical Character Recognition, Optical Character Recognition) identification on the user's certificate information, and the target operating agency server returns the verification result to the wallet application terminal;
  • OCR Optical Character Recognition, Optical Character Recognition
  • the wallet application terminal requests the server of the target operating organization to verify the face identity
  • the server of the target operating organization returns the verification result to the wallet application terminal;
  • the wallet application terminal obtains bank card information from the server of the target operating institution;
  • the server of the target operating organization returns the bank card information to the wallet application terminal;
  • the server of the target operating institution judges whether the bank card input by the user is a bank card authorized by the server of the target operating institution;
  • the wallet application terminal obtains the bank card bound to the mobile phone number from the server of the target operating institution;
  • the server of the target operating institution goes to the issuing bank to inquire about the verification code of the mobile phone number bound to the bank card;
  • the target operating agency server returns the verification code sending result to the wallet application terminal;
  • the wallet application terminal requests the server of the target operating institution to verify the verification code of the mobile phone number bound to the bank card;
  • the server of the target operating institution goes to the issuing bank to verify the verification code of the mobile phone number bound to the bank card;
  • the server of the target operating organization returns the verification result to the wallet application terminal;
  • the wallet application terminal sends a wallet opening request to the server of the digital currency issuing institution, which includes parameters such as wallet name, institution number, wallet level, payment password, bank card number (if any), and real-name information verification result (if any) ;
  • the server of the digital currency issuer sends a wallet opening request to the interconnection network
  • the interconnection network sends a wallet opening request to the server of the target operating institution
  • the server of the target operating organization After the server of the target operating organization opens a wallet, it sends the wallet information to the interconnection network;
  • the interconnection network sends wallet information to the server of the digital currency issuer
  • the digital currency issuer server sends the wallet opening result to the wallet application terminal.
  • Type 1 and Type 2 wallets require users to provide bank card information when opening, Type 3 wallets do not require users to provide bank card information, and Type 4 and Type 5 wallets do not require users to provide real-name information. Therefore, if the user selects three types of wallets, step 22 to step 30 may not be performed; if the user selects four or five types of wallets, the request for opening a wallet in step 31 may not include bank card number, real name information verification Result and other parameters.
  • the embodiment of the present disclosure is based on a two-tier operating system, and expands the entrance of the digital wallet from the servers of the major authorized operating institutions to the server of the digital currency issuing institution or other non-operating institution servers, so that users do not need to use the authorized operating institution server to provide
  • the method of opening wallets, and the digital wallets of multiple authorized operating agency servers can be opened on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.
  • the method for opening a digital wallet in the embodiments of the present disclosure also supports the direct opening of Type II and Type III wallets, without upgrading from Type IV and Type V wallets, and achieves the same functional experience as offline processing in one step.
  • a wallet application terminal implementing the above method.
  • Fig. 3 is a schematic diagram of main modules of a wallet application terminal according to an embodiment of the present disclosure.
  • the wallet application terminal 300 includes:
  • the information acquisition module 301 acquires and displays a list of operating institution servers that can open a wallet from the digital currency issuing institution server, so that the user can select a target operating institution server from the operating institution server list;
  • the information verification module 302 communicates with the server of the target operating institution, so that the server of the target operating institution verifies the user;
  • the wallet opening module 303 if the verification is passed, sends a wallet opening request to the digital currency issuer server, so that the digital currency issuer server notifies the target operating agency server to perform the wallet opening operation and returns wallet opening result, or send a wallet opening request to the target operating institution server to enable the target operating institution server to execute the wallet opening operation, and return the wallet opening result to the digital currency issuer server; receive the The wallet opening result returned by the server of the digital currency issuer after opening the wallet.
  • the information acquisition module is further configured to: before communicating with the server of the target operating institution, receive the wallet level operation request of the user, and parse the wallet level from the wallet level operation request;
  • the information verification module is further configured to: send the wallet level to the target operating institution server, so that the target operating institution server determines the verification content for verifying the user according to the wallet level;
  • the wallet opening module is further configured to: generate the wallet opening request based on the verification content that passes the verification.
  • the verification content includes: a verification code; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the verification content includes: wallet information; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the wallet information includes wallet real name information and wallet user biometric information
  • the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, include:
  • the verification content includes: bank account information; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user, including:
  • the bank account information includes bank card number information and a mobile phone number bound to the bank card;
  • the information verification module communicates with the server of the target operating agency, so that the server of the target operating agency performs a check on the user. Verification, including:
  • the information verification module is further configured to: before the wallet opening module sends a wallet opening request to the target operating institution server or the digital currency issuing institution server:
  • the digital currency issuer server after the digital currency issuer server receives the wallet opening result returned by the target operating institution server, it saves the relevant content of the opened wallet, and the relevant information includes at least one of the following: wallet name, wallet ID, bound mobile phone number.
  • Fig. 4 is a schematic diagram of the main components of the system for opening a digital wallet according to an embodiment of the present disclosure.
  • the system of digital wallet opening includes: wallet application terminal 401, target operating agency server 402 and digital currency issuing agency server 403; wherein,
  • the wallet application terminal 401 sends a request to the digital currency issuing institution server 403 to query the list of operating institution servers that can open a wallet; the digital currency issuing institution server 402 returns the operating institution server list to the wallet application terminal;
  • the wallet application terminal 401 presents the operating institution server list to the user, so that the user selects a target operating institution server 402 from the operating institution server list;
  • the wallet application terminal 401 communicates with the target operating institution server 402, and the target operating institution server 402 verifies the user, and returns the verification result to the wallet application terminal 401;
  • the wallet application terminal 401 sends a wallet opening request to the digital currency issuer server 403, and the digital currency issuer server 403 notifies the target operating institution in response to the wallet opening request
  • the server 402 executes the wallet opening operation
  • the target operating institution server 402 executes the wallet opening operation, and then returns the wallet opening result to the digital currency discovery institution, and the digital currency discovery institution returns the wallet opening result to The wallet application terminal 401; or, the wallet application terminal 401 sends a wallet opening request to the target operating institution server 402, and the target operating institution server 402 performs a wallet opening operation in response to the wallet opening request, And return the wallet opening result to the digital currency issuer server 403 , and the digital currency issuer server 403 returns the wallet opening result to the wallet application terminal 401 .
  • the target operating institution server 402 belongs to one or more operating institution servers.
  • the wallet application terminal 403 before the wallet application terminal 403 communicates with the target operating institution server, it receives the user's wallet level operation request, and parses the wallet level from the wallet level operation request;
  • the wallet application terminal 403 sends the wallet level to the target operating institution server 402, so that the target operating institution server 402 determines the verification content for verifying the user according to the wallet level;
  • the wallet application terminal 403 generates the wallet opening request based on the verified verification content.
  • the wallet application terminal 401 sends an acquisition verification code request to the target operating institution server 402, and the target operating institution server 402 returns a verification code to the wallet application terminal 401 in response to the acquisition verification code request;
  • the wallet application terminal 401 sends a verification verification code request to the target operating institution server 402, and the target operating institution server 402 verifies the user based on the verification code, and then returns a verification result to the wallet application terminal 401 .
  • the wallet application terminal 401 receives the wallet information input by the user, and sends the wallet information to the target operating agency server 402; the target operating agency server 402 sends the wallet information to the user based on the wallet information Verify, and then return the verification result to the wallet application terminal 401.
  • the wallet information includes wallet real-name information and wallet user biometric information
  • the wallet application terminal 401 receives the wallet real-name information input by the user, and sends the wallet real-name information to the target operating institution server 402:
  • the target operating institution server 402 verifies the user based on the wallet real name information, and then returns a verification result to the wallet application terminal 401;
  • the wallet application terminal 401 receives the biometric information input by the user, and sends the biometric information to the target operating institution server 402; Verification, and then return the verification result to the wallet application terminal 401.
  • the wallet application terminal 401 receives the bank account information input by the user, and sends the bank account information to the target operating institution server 402; The user performs verification, and then returns the verification result to the wallet application terminal 401 .
  • the bank account information includes bank card number information and the mobile phone number bound to the bank card;
  • the wallet application terminal 401 receives the bank card number information input by the user, and sends the bank card number information to the target operation The institution server 402;
  • the target operating institution server 402 verifies the user based on the bank card number information, and then returns the verification result to the wallet application terminal 401;
  • the wallet application terminal 401 verifies whether the bank card input by the user is a bank card of an authorized institution according to the bank card number information;
  • the wallet application terminal 401 receives the bound mobile phone number of the bank card input by the user, and sends a verification code request to the target operating agency server 402; the target operating agency server 402 inquires to the issuing bank of the bank card verification code, returning a verification code to the wallet application terminal; the wallet application terminal 401 sends a verification verification code request to the target operating institution server 402, and the target operating institution server 402 verifies the verification code to the issuing bank, Then return the verification result to the wallet application terminal 401.
  • the wallet application terminal 401 receives the user's wallet level operation request, and parses the wallet level from the wallet level operation request;
  • the wallet application terminal 401 receives the user's wallet identification operation request, and parses the wallet identification from the wallet identification operation request;
  • the wallet application terminal 401 receives the user's payment password operation request, and parses the wallet payment password from the payment password operation request.
  • the digital currency issuer server 403 After the digital currency issuer server 403 receives the wallet opening result returned by the target operating institution server 402, it saves the relevant content of the opened wallet, and the relevant information includes at least one of the following: wallet name , wallet ID, and bound mobile phone number.
  • an electronic device for opening a digital wallet including:
  • processors one or more processors
  • the one or more processors are made to implement the method provided in the first aspect of the embodiments of the present disclosure.
  • a computer-readable medium on which a computer program is stored, and when the program is executed by a processor, the method provided in the first aspect of the embodiments of the present disclosure is implemented.
  • FIG. 5 shows a method for opening a digital wallet or an exemplary system architecture 500 of a wallet application terminal to which an embodiment of the present disclosure can be applied.
  • a system architecture 500 may include terminal devices 501 , 502 , and 503 , a network 504 and a server 505 .
  • the network 504 is used as a medium for providing communication links between the terminal devices 501 , 502 , 503 and the server 505 .
  • Network 504 may include various connection types, such as wires, wireless communication links, or fiber optic cables, among others.
  • Terminal devices 501 , 502 , 503 Users can use terminal devices 501 , 502 , 503 to interact with server 505 through network 504 to receive or send messages and the like.
  • Various communication client applications can be installed on the terminal devices 501, 502, and 503, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social platform software, etc. (just for example).
  • the terminal devices 501, 502, 503 may be various electronic devices with display screens and supporting web browsing, including but not limited to smart phones, tablet computers, laptop computers, desktop computers and the like.
  • the server 505 may be a server that provides various services, such as a background management server that provides support for shopping websites browsed by users using the terminal devices 501 , 502 , 503 (just an example).
  • the background management server can analyze and process the received data such as product information query requests, and feed back the processing results (such as target push information, product information—just an example) to the terminal device.
  • the method for opening a digital wallet provided by the embodiments of the present disclosure can be executed by terminal devices 501, 502, and 503.
  • wallet application terminals are set in terminal devices 501, 502, and 503.
  • terminal devices, networks and servers in Fig. 5 are only illustrative. According to the implementation needs, there can be any number of terminal devices, networks and servers.
  • FIG. 6 shows a schematic structural diagram of a computer system 600 suitable for implementing a terminal device according to an embodiment of the present disclosure.
  • the terminal device shown in FIG. 6 is only an example, and should not limit the functions and application scope of the embodiments of the present disclosure.
  • a computer system 600 includes a central processing unit (CPU) 601 that can be programmed according to a program stored in a read-only memory (ROM) 602 or a program loaded from a storage section 608 into a random-access memory (RAM) 603 Instead, various appropriate actions and processes are performed.
  • ROM read-only memory
  • RAM random-access memory
  • various programs and data required for the operation of the system 600 are also stored.
  • the CPU 601, ROM 602, and RAM 603 are connected to each other through a bus 604.
  • An input/output (I/O) interface 605 is also connected to the bus 604 .
  • the following components are connected to the I/O interface 605: an input section 606 including a keyboard, a mouse, etc.; an output section 607 including a cathode ray tube (CRT), a liquid crystal display (LCD), etc., and a speaker; a storage section 608 including a hard disk, etc. and a communication section 609 including a network interface card such as a LAN card, a modem, or the like.
  • the communication section 609 performs communication processing via a network such as the Internet.
  • a drive 610 is also connected to the I/O interface 605 as needed.
  • a removable medium 611 such as a magnetic disk, optical disk, magneto-optical disk, semiconductor memory, etc. is mounted on the drive 610 as necessary so that a computer program read therefrom is installed into the storage section 608 as necessary.
  • embodiments of the present disclosure include a computer program product, which includes a computer program carried on a computer-readable medium, where the computer program includes program codes for executing the methods shown in the flowcharts.
  • the computer program may be downloaded and installed from a network via the communication portion 609 and/or installed from a removable medium 611 .
  • this computer program is executed by a central processing unit (CPU) 601, the above-described functions defined in the system of the present disclosure are performed.
  • CPU central processing unit
  • the computer-readable medium shown in the present disclosure may be a computer-readable signal medium or a computer-readable storage medium or any combination of the above two.
  • a computer readable storage medium may be, for example, but not limited to, an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of computer-readable storage media may include, but are not limited to, electrical connections with one or more wires, portable computer diskettes, hard disks, random access memory (RAM), read-only memory (ROM), erasable Programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination of the above.
  • a computer-readable storage medium may be any tangible medium that contains or stores a program that can be used by or in conjunction with an instruction execution system, apparatus, or device.
  • a computer-readable signal medium may include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code therein. Such propagated data signals may take many forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination of the foregoing.
  • a computer-readable signal medium may also be any computer-readable medium other than a computer-readable storage medium, which can send, propagate, or transmit a program for use by or in conjunction with an instruction execution system, apparatus, or device.
  • Program code embodied on a computer readable medium may be transmitted using any appropriate medium, including but not limited to wireless, wireline, optical fiber cable, RF, etc., or any suitable combination of the foregoing.
  • each block in a flowchart or block diagram may represent a module, program segment, or portion of code that includes one or more logical functions for implementing specified executable instructions.
  • the functions noted in the block may occur out of the order noted in the figures. For example, two blocks shown in succession may, in fact, be executed substantially concurrently, or they may sometimes be executed in the reverse order, depending upon the functionality involved.
  • each block in the block diagrams or flowchart illustrations, and combinations of blocks in the block diagrams or flowchart illustrations can be implemented by a dedicated hardware-based system that performs the specified function or operation, or can be implemented by a A combination of dedicated hardware and computer instructions.
  • the modules involved in the embodiments described in the present disclosure are realized by means of software, and may also be realized by means of hardware.
  • the described module can also be set in the processor, for example, it can be described as: a processor includes: an information acquisition module, which acquires and displays a list of operating agency servers that can open wallets from a digital currency issuing agency server, so that users Select the target operating agency server from the operating agency server list; the information verification module communicates with the target operating agency server, so that the target operating agency server verifies the user; the wallet opening module, when verifying In the case of passing, send a wallet opening request to the server of the target operating institution or the server of the digital currency issuing institution, and receive the wallet opening request returned by the server of the target operating institution or the server of the digital currency issuing institution after opening the wallet. result.
  • the names of these modules do not constitute a limitation on the module itself under certain circumstances.
  • the information acquisition module can also be described as "send the wallet opening Create requested modules".
  • the present disclosure also provides a computer-readable medium, which may be included in the device described in the above embodiments, or may exist independently without being assembled into the device.
  • the above-mentioned computer-readable medium carries one or more programs, and when the above-mentioned one or more programs are executed by the device, the device includes: obtaining and displaying a list of operating institution servers that can open wallets from the digital currency issuing institution server so that the user selects a target operating agency server from the list of operating agency servers; communicate with the target operating agency server, so that the target operating agency server verifies the user; if the verification is passed, Sending a wallet opening request to the server of the target operating institution or the server of the digital currency issuing institution, and receiving a wallet opening result returned by the server of the target operating institution or the server of the digital currency issuing institution after opening the wallet.
  • the entrance of digital wallet opening is raised to the digital currency issuer server or other authorized or non-authorized operating agency server, so that users do not need to use the wallet opening method provided by the authorized operating agency server, and Digital wallets of multiple authorized operating agency servers can be opened on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.

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Abstract

本公开提供了数字钱包开立的方法、钱包应用终端和系统。该方法的一具体实施方式包括：从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表以使用户从运营机构服务器列表中选择目标运营机构服务器；与目标运营机构服务器进行通讯以使目标运营机构服务器对用户进行验证；在验证通过的情况下向数字货币发行机构服务器发送钱包开立请求以使数字货币发行机构服务器通知目标运营机构服务器执行钱包开立操作，或向目标运营机构服务器发送钱包开立请求以使目标运营机构服务器执行钱包开立操作。该实施方式将数字钱包开立入口上升到数字货币发行机构服务器或其他运营机构服务器，用户无须使用授权运营机构服务器提供的钱包开立方式，且可以在同一个平台开通多个运营机构服务器的数字钱包，大大降低了用户使用数字钱包的门槛，提高了便利性。

Description

数字钱包开立的方法、钱包应用终端和系统
本申请要求于2021年9月29日提交的题为“数字钱包开立的方法、装置和系统”的中国专利申请202111148905.X的优先权，在此全文中引用上述中国专利申请公开的内容以作为本申请的一部分。
技术领域
本公开涉及计算机技术领域，尤其涉及一种数字钱包开立的方法、钱包应用终端和系统。
背景技术
数字货币采用发行机构发行、发行机构授权的运营机构服务器运营的双层运营体系模式。目前，在开立数字钱包时，用户需要通过授权运营机构服务器提供的钱包开立方式(如下载特定运营机构服务器的App、去授权运营机构服务器的线下网点等)开立数字钱包。这种钱包开立方式操作不便，且无法在一个授权运营机构服务器平台开立其他授权运营机构服务器的数字钱包。
发明内容
有鉴于此，本公开的实施例提供一种数字钱包开立的方法、钱包应用终端和系统，将数字钱包开立的入口上升到数字货币发行机构服务器或其他授权或非授权运营机构服务器，让用户无须使用授权运营机构服务器提供的钱包开立方式，且可以在同一个平台开通多个授权运营机构服务器的数字钱包，大大降低了用户使用数字钱包的门槛，提高了便利性。
为实现上述目的，根据本公开的实施例的一个方面，提供了一种数字钱包开立的方法，包括：
从数字货币发行机构服务器获取并展示可开立钱包的运营机构服 务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；
在验证通过的情况下，向所述数字货币发行机构服务器发送钱包开立请求，以使所述数字货币发行机构服务器通知所述目标运营机构服务器执行钱包开立操作和返回钱包开立结果，或者向所述目标运营机构服务器发送钱包开立请求以使所述目标运营机构服务器执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果；接收所述数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。
可选地，在与所述目标运营机构服务器进行通讯之前，还包括：接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
与所述目标运营机构服务器进行通讯，还包括：将所述钱包等级发送至所述目标运营机构服务器，以使所述目标运营机构服务器根据所述钱包等级确定对所述用户进行验证的验证内容；
所述方法还包括：基于验证通过的所述验证内容生成所述钱包开立请求。
可选地，所述验证内容包括：验证码；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
向所述目标运营机构服务器发送获取验证码请求，接收所述目标运营机构服务器响应于所述获取验证码请求返回的验证码；
向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器基于所述验证码对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述验证内容包括：钱包信息；与所述目标运营机构服 务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的钱包信息，将所述钱包信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述钱包信息包括钱包实名信息和钱包用户的生物特征信息；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的钱包实名信息，将所述钱包实名信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包实名信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
接收所述用户输入的生物特征信息，将所述生物特征信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述生物特征信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述验证内容包括：银行账户信息；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的银行账户信息，将所述银行账户信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行账户信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述银行账户信息包括银行卡号信息和银行卡的绑定手机号；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的银行卡号信息，将所述银行卡号信息发送至 所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行卡号信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
根据所述银行卡号信息验证用户输入的银行卡是否为授权机构的银行卡；
接收所述用户输入的银行卡的绑定手机号，向所述目标运营机构服务器发送获取验证码请求，以使所述目标运营机构服务器到所述银行卡的发卡行查询验证码，接收所述目标运营机构服务器返回的验证码；向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器到所述发卡行验证该验证码，接收所述目标运营机构服务器返回的验证结果。
可选地，在向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求之前，还包括：
接收所述用户的钱包标识操作请求，从所述钱包标识操作请求中解析钱包标识；
接收所述用户的支付密码操作请求，从所述支付密码操作请求中解析钱包的支付密码。
可选地，所述数字货币发行机构服务器收到所述目标运营机构服务器返回的钱包开立结果之后，保存所开立钱包的相关信息，所述相关信息包括以下至少之一：钱包名称、钱包ID、绑定手机号。
根据本公开的实施例的第二方面，提供一种钱包应用终端，包括：
信息获取模块，从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
信息验证模块，与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；
钱包开立模块，在验证通过的情况下，向所述数字货币发行机构 服务器发送钱包开立请求，以使所述数字货币发行机构服务器通知所述目标运营机构服务器执行钱包开立操作和返回钱包开立结果，或者向所述目标运营机构服务器发送钱包开立请求以使所述目标运营机构服务器执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果；接收所述数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。
可选地，所述信息获取模块还用于：在与所述目标运营机构服务器进行通讯之前，接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
所述信息验证模块还用于：将所述钱包等级发送至所述目标运营机构服务器，以使所述目标运营机构服务器根据所述钱包等级确定对所述用户进行验证的验证内容；
所述钱包开立模块还用于：基于验证通过的所述验证内容生成所述钱包开立请求。
可选地，所述验证内容包括：验证码；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
向所述目标运营机构服务器发送获取验证码请求，接收所述目标运营机构服务器响应于所述获取验证码请求返回的验证码；
向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器基于所述验证码对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述验证内容包括：钱包信息；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的钱包信息，将所述钱包信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包信息对 所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述钱包信息包括钱包实名信息和钱包用户的生物特征信息；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的钱包实名信息，将所述钱包实名信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包实名信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
接收所述用户输入的生物特征信息，将所述生物特征信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述生物特征信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述验证内容包括：银行账户信息；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的银行账户信息，将所述银行账户信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行账户信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述银行账户信息包括银行卡号信息和银行卡的绑定手机号；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的银行卡号信息，将所述银行卡号信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行卡号信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
根据所述银行卡号信息验证用户输入的银行卡是否为授权机构的 银行卡；
接收所述用户输入的银行卡的绑定手机号，向所述目标运营机构服务器发送获取验证码请求，以使所述目标运营机构服务器到所述银行卡的发卡行查询验证码，接收所述目标运营机构服务器返回的验证码；向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器到所述发卡行验证该验证码，接收所述目标运营机构服务器返回的验证结果。
可选地，所述信息验证模块还用于：在所述钱包开立模块向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求之前：
接收所述用户的钱包标识操作请求，从所述钱包标识操作请求中解析钱包标识；
接收所述用户的支付密码操作请求，从所述支付密码操作请求中解析钱包的支付密码。
可选地，所述数字货币发行机构服务器收到所述目标运营机构服务器返回的钱包开立结果之后，保存所开立钱包的相关信息，所述相关信息包括以下至少之一：钱包名称、钱包ID、绑定手机号。
根据本公开的实施例的第三方面，提供一种数字钱包开立的系统，包括：钱包应用终端，目标运营机构服务器和数字货币发行机构服务器；其中，
所述钱包应用终端向所述数字货币发行机构服务器发送查询可开立钱包的运营机构服务器列表的请求；所述数字货币发行机构服务器将所述运营机构服务器列表返回给所述钱包应用终端；
所述钱包应用终端向用户展示所述运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
所述钱包应用终端与所述目标运营机构服务器进行通讯，所述目标运营机构服务器对所述用户进行验证，将验证结果返回至所述钱包 应用终端；
在验证通过的情况下，所述钱包应用终端向所述数字货币发行机构服务器发送钱包开立请求，所述数字货币发行机构服务器响应于所述钱包开立请求通知所述目标运营机构服务器执行钱包开立操作，所述目标运营机构服务器执行钱包开立操作、然后向所述数字货币发现机构返回钱包开立结果，所述数字货币发现机构将所述钱包开立结果返回至所述钱包应用终端；或者，所述钱包应用终端向所述目标运营机构服务器发送钱包开立请求，所述目标运营机构服务器响应于所述钱包开立请求执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果，所述数字货币发现机构将所述钱包开立结果返回至所述钱包应用终端。
可选地，所述钱包应用终端还用于：
在与所述目标运营机构服务器进行通讯之前，接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
将所述钱包等级发送至所述目标运营机构服务器，以使所述目标运营机构服务器根据所述钱包等级确定对所述用户进行验证的验证内容；
基于验证通过的所述验证内容生成所述钱包开立请求。
可选地，所述验证内容包括：验证码；所述钱包应用终端向所述目标运营机构服务器发送获取验证码请求，所述目标运营机构服务器响应于所述获取验证码请求向所述钱包应用终端返回验证码；
所述钱包应用终端向所述目标运营机构服务器发送验证验证码请求，所述目标运营机构服务器基于所述验证码对所述用户进行验证，然后向所述钱包应用终端返回验证结果。
可选地，所述验证内容包括：钱包信息；所述钱包应用终端接收所述用户输入的钱包信息，将所述钱包信息发送至所述目标运营机构服务器；所述目标运营机构服务器基于所述钱包信息对所述用户进行 验证，然后向所述钱包应用终端返回验证结果。
可选地，所述钱包信息包括钱包实名信息和钱包用户的生物特征信息；所述钱包应用终端接收所述用户输入的钱包实名信息，将所述钱包实名信息发送至所述目标运营机构服务器；所述目标运营机构服务器基于所述钱包实名信息对所述用户进行验证，然后向所述钱包应用终端返回验证结果；
所述钱包应用终端接收所述用户输入的生物特征信息，将所述生物特征信息发送至所述目标运营机构服务器；所述目标运营机构服务器基于所述生物特征信息对所述用户进行验证，然后向所述钱包应用终端返回验证结果。
可选地，所述验证内容包括：银行账户信息；所述钱包应用终端接收所述用户输入的银行账户信息，将所述银行账户信息发送至所述目标运营机构服务器；所述目标运营机构服务器基于所述银行账户信息对所述用户进行验证，然后向所述钱包应用终端返回验证结果。
可选地，所述银行账户信息包括银行卡号信息和银行卡的绑定手机号；所述钱包应用终端接收所述用户输入的银行卡号信息，将所述银行卡号信息发送至所述目标运营机构服务器；所述目标运营机构服务器基于所述银行卡号信息对所述用户进行验证，然后向所述钱包应用终端返回验证结；
所述钱包应用终端根据所述银行卡号信息验证用户输入的银行卡是否为授权机构的银行卡；
所述钱包应用终端接收所述用户输入的银行卡的绑定手机号，向所述目标运营机构服务器发送获取验证码请求；所述目标运营机构服务器到所述银行卡的发卡行查询验证码，向所述钱包应用终端返回验证码；所述钱包应用终端向所述目标运营机构服务器发送验证验证码请求，所述目标运营机构服务器到所述发卡行验证该验证码，然后向所述钱包应用终端返回验证结果。
可选地，所述钱包应用终端还用于：
在所述钱包开立模块向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求之前：
接收所述用户的钱包标识操作请求，从所述钱包标识操作请求中解析钱包标识；
接收所述用户的支付密码操作请求，从所述支付密码操作请求中解析钱包的支付密码。
可选地，所述数字货币发行机构服务器收到所述目标运营机构服务器返回的钱包开立结果之后，保存所开立钱包的相关信息，所述相关信息包括以下至少之一：钱包名称、钱包ID、绑定手机号。
根据本公开的实施例的第四方面，提供一种数字钱包开立的电子设备，包括：
一个或多个处理器；
存储装置，用于存储一个或多个程序，
当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现本公开的实施例第一方面提供的方法。
根据本公开的实施例的第五方面，提供一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本公开的实施例第一方面提供的方法。
上述公开中的一个实施例具有如下优点或有益效果：将数字钱包开立的入口上升到数字货币发行机构服务器或其他授权或非授权运营机构服务器，让用户无须使用授权运营机构服务器提供的钱包开立方式，且可以在同一个平台开通多个授权运营机构服务器的数字钱包，大大降低了用户使用数字钱包的门槛，提高了便利性。
上述的非惯用的可选方式所具有的进一步效果将在下文中结合具体实施方式加以说明。
附图说明
附图用于更好地理解本公开，不构成对本公开的不当限定。其中：
图1是本公开的实施例的数字钱包开立的方法的主要流程的示意图；
图2是本公开可选实施例中数字钱包开立的主要流程的示意图；
图3是本公开的实施例的钱包应用终端的主要模块的示意图；
图4是本公开的实施例的数字钱包开立的系统的主要组成的示意图；
图5是本公开的实施例可以应用于其中的示例性系统架构图；
图6是适于用来实现本公开的实施例的终端设备或服务器的计算机系统的结构示意图。
具体实施方式
以下结合附图对本公开的示范性实施例做出说明，其中包括本公开的实施例的各种细节以助于理解，应当将它们认为仅仅是示范性的。因此，本领域普通技术人员应当认识到，可以对这里描述的实施例做出各种改变和修改，而不会背离本公开的范围和精神。同样，为了清楚和简明，以下的描述中省略了对公知功能和结构的描述。
根据本公开的实施例的第一方面，提供一种数字钱包开立的方法。
图1是本公开的实施例的数字钱包开立的方法的主要流程的示意图，如图1所示，根据本公开的实施例的数字钱包开立的方法包括：
步骤S101，从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从运营机构服务器列表中选择目标运营机构服务器；
步骤S102，与目标运营机构服务器进行通讯，以使目标运营机构 服务器对用户进行验证；
步骤S103，判断验证是否通过；若验证通过，则跳转至步骤S104或步骤S105(具体采用步骤S104还是步骤S105，可以根据实际情况进行选择性设定)，否则流程结束；
步骤S104，向数字货币发行机构服务器发送钱包开立请求，以使数字货币发行机构服务器通知目标运营机构服务器执行钱包开立操作和返回钱包开立结果；
步骤S105，向目标运营机构服务器发送钱包开立请求以使目标运营机构服务器执行钱包开立操作、并向数字货币发行机构服务器返回钱包开立结果；
步骤S106，接收数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。
可开立钱包的运营机构服务器也即授权运营机构服务器，该机构服务器可以为用户的数字钱包提供运营管理服务。本公开的实施例中，通过与数字货币发行机构服务器通信能够获取授权运营机构服务器列表，通过与目标运营机构服务器通信能够进行开立钱包时的信息校验过程。实际应用过程中，可以由数字货币钱包应用终端统一处理所有用户的钱包开立请求，用户向数字货币钱包应用终端发送钱包开立请求之后，数字货币钱包应用终端将该请求转发至对应的目标运营机构服务器，目标运营机构服务器开立钱包之后向数字货币发行机构服务器反馈钱包信息，数字货币发行机构服务器落数据(即记录钱包信息)之后，向用户返回钱包开立结果。当然，为了降低数字货币发行机构服务器的访问量，也可以由目标运营机构服务器直接处理所有用户的钱包开立请求，目标运营机构服务器开立钱包之后向用户反馈钱包开立结果、向数字货币发行机构服务器反馈钱包信息，数字货币发行机构服务器记录钱包信息。
本公开的实施例可以将数字钱包开立的入口上升到数字货币发行机构服务器或其他授权或非授权运营机构服务器方，让用户无须使用 授权运营机构服务器提供的钱包开立方式，且用户可以在同一个平台开通多个授权运营机构服务器的数字钱包，大大降低了用户使用数字钱包的门槛，提高了便利性。
目标运营机构服务器对用户进行验证的验证内容可以根据实际情况进行选择性设定的，例如根据用户类型或者用户需要开立的数字钱包的类型进行设定。可选地，在与所述目标运营机构服务器进行通讯之前，接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；将所述钱包等级发送至所述目标运营机构服务器，以使所述目标运营机构服务器根据所述钱包等级确定对所述用户进行验证的验证内容；基于验证通过的所述验证内容生成所述钱包开立请求。示例性地，对于操作权限较小的钱包，例如五类或四类钱包，可以仅通过验证码验证手机号等信息。对于操作权限较高的钱包，例如三类钱包，可以在验证验证码的基础上，进一步验证钱包信息。对于操作权限高的钱包，例如二类或一类钱包，安全等级要求高，验证内容可以在验证码和钱包信息的基础上，进一步验证银行账户信息。本实施例能够根据钱包等级设定不同的验证内容，实现多样化管理。
在一些可选的实施例中，验证内容包括：验证码；与目标运营机构服务器进行通讯，以使目标运营机构服务器对用户进行验证，包括：向目标运营机构服务器发送获取验证码请求，接收目标运营机构服务器响应于获取验证码请求返回的验证码；向目标运营机构服务器发送验证验证码请求，以使目标运营机构服务器基于验证码对用户进行验证，接收目标运营机构服务器返回的验证结果。目标运营机构服务器接收到获取验证码请求之后，可以自行生成验证码并返回给用户，也可以调用互联互通网络生成验证码、然后通过短信服务平台将生成的验证码返回给用户。通过设置验证码，能够校验用户的手机号是否正确。
在再一些可选的实施例中，验证内容包括：钱包信息；与目标运 营机构服务器进行通讯，以使目标运营机构服务器对用户进行验证，包括：接收用户输入的钱包信息，将钱包信息发送至目标运营机构服务器，以使目标运营机构服务器基于钱包信息对用户进行验证，接收目标运营机构服务器返回的验证结果。钱包信息是指与数字钱包有关的信息，其具体内容可以根据实际情况进行选择性设定。可选地，钱包信息包括钱包实名信息和钱包用户的生物特征信息。与目标运营机构服务器进行通讯，以使目标运营机构服务器对用户进行验证，包括以下两个部分：一，接收用户输入的钱包实名信息，将钱包实名信息发送至目标运营机构服务器，以使目标运营机构服务器基于钱包实名信息对用户进行验证，接收目标运营机构服务器返回的验证结果；二、接收用户输入的生物特征信息，将生物特征信息发送至目标运营机构服务器，以使目标运营机构服务器基于生物特征信息对用户进行验证，接收目标运营机构服务器返回的验证结果。
钱包实名信息是指用户的实名信息，该实名信息可以是明文实名信息，例如户身份证号或护照号，也可以是密文实名信息，例如根据钱包绑定的用户身份证号或护照号生成的实名标识(如哈希处理得当的标识)。生物特征信息是指用户生物特征的信息，如虹膜、脸部信息、指纹等。通过对钱包信息进行验证，能够进一步提高钱包安全性。
在还一些可选的实施例中，验证内容包括：银行账户信息；与目标运营机构服务器进行通讯，以使目标运营机构服务器对用户进行验证，包括：接收用户输入的银行账户信息，将银行账户信息发送至目标运营机构服务器，以使目标运营机构服务器基于银行账户信息对用户进行验证，接收目标运营机构服务器返回的验证结果。
银行账户信息是指与用户银行账户有关的信息，其具体内容可以根据实际情况进行选择性设定，例如银行卡号信息、银行卡的绑定手机号、银行卡的绑定通讯地址。可选地，银行账户信息包括银行卡号信息和银行卡的绑定手机号；与目标运营机构服务器进行通讯，以使 目标运营机构服务器对用户进行验证，包括以下两方面：一、接收用户输入的银行卡号信息，将银行卡号信息发送至目标运营机构服务器，以使目标运营机构服务器基于银行卡号信息对用户进行验证，接收目标运营机构服务器返回的验证结果；二、接收用户输入的银行卡的绑定手机号，向目标运营机构服务器发送获取验证码请求，以使目标运营机构服务器到银行卡的发卡行查询验证码，接收目标运营机构服务器返回的验证码；向目标运营机构服务器发送验证验证码请求，以使目标运营机构服务器到发卡行验证该验证码，接收目标运营机构服务器返回的验证结果。实际应用过程中，还可以进一步根据银行卡号信息验证用户输入的银行卡是否为授权机构的银行卡。
目标运营机构服务器接收到获取验证码请求之后，可以自行生成验证码并返回给用户，也可以调用互联互通网络生成验证码、然后通过短信服务平台将生成的验证码返回给用户。通过设置验证码，能够校验用户的手机号是否正确。通过校验用户的银行账户信息，能够进一步提高数字钱包的安全性。本实施例可以适用于开立操作权限较大的数字钱包的应用场景，例如开立二类数字钱包或一类数字钱包。
实际应用过程中，可以默认可以开立的数字钱包的钱包等级，然而，也可以在向目标运营机构服务器或数字货币发行机构服务器发送钱包开立请求之前，接收用户的钱包等级操作请求，从钱包等级操作请求中解析钱包等级。本实施例能够满足不同用户类型开立数字钱包和同一用户开立不同钱包等级的多样化需求，提高钱包开立的便捷性。
本公开的实施例中，可以按照默认规则自动确定用户拟开立的数字钱包的钱包标识，例如采用自增编码的方式依次标记用户每次拟开立的数字钱包，也可以在向目标运营机构服务器或数字货币发行机构服务器发送钱包开立请求之前，接收用户的钱包标识操作请求，从钱包标识操作请求中解析钱包标识。钱包标识可以是钱包名称，也可以是钱包的唯一编码，或者钱包的显示图标等。本公开的实施例能够满 足用户对钱包标识的个性化需求。
使用数字钱包进行交易时，通常需要支付密码。该支付密码可以是在目标运营机构服务器或数字货币发行机构服务器开立数字钱包之后由用户设定的，也可以是在向目标运营机构服务器或数字货币发行机构服务器发送钱包开立请求之前确定的，例如在向目标运营机构服务器或数字货币发行机构服务器发送钱包开立请求之前接收用户的支付密码操作请求、从支付密码操作请求中解析钱包的支付密码。
实际应用过程中，数字货币发行机构服务器收到目标运营机构服务器返回的钱包开立结果之后，可以保存所开立钱包的相关信息，以便查验。该相关信息包括以下至少之一：钱包名称、钱包ID(除钱包名称以外的钱包标识)、绑定手机号。当用户开立的钱包为实名钱包时，该相关信息还可以包括钱包的实名信息。该实名信息可以是用户身份证号、护照号等。通常情况下，为了保护用户隐私信息和账户安全，该实名信息以密文形式进行存储，实名信息的加密方式可以根据实际情况进行选择性设定。
图2是本公开可选实施例中数字钱包开立的主要流程的示意图。本实施例中，数字钱包开立方法的执行主体为钱包应用终端。如图2所示，数字钱包开立流程主要包括以下步骤：
1.钱包应用终端向数字或数字货币发行机构服务器查询可开立钱包的运营机构服务器的请求；
2.数字货币发行机构服务器给钱包应用终端返回可开立的运营机构服务器列表；
3.用户从运营机构服务器列表中选择目标运营机构服务器进行钱包开立验证流程；
4.钱包应用终端向目标运营机构服务器获取验证码；
5.目标运营机构服务器向互联互通网络获取验证码；
6.互联互通网络生成验证码后下发至短信服务平台；
7.短信服务平台向互联互通网络返回应答；
8.互联互通网络向目标运营机构服务器返回应答；
9.目标运营机构服务器向钱包应用终端返回应答；
10.钱包应用终端请求目标运营机构服务器验证验证码；
11.目标运营机构服务器请求互联互通网络验证验证码；
12.互联互通网络验证验证码后向短信服务平台下发验证结果；
13.短信服务平台向互联互通网络返回应答；
14.互联互通网络向目标运营机构服务器返回应答；
15.目标运营机构服务器向钱包应用终端返回应答；
16.用户在钱包应用终端选择要开立的钱包等级；
17.用户在钱包应用终端设置钱包名称、支付密码；
18.钱包应用终端请求目标运营机构服务器校验钱包实名信息；
19.目标运营机构服务器可以对用户的证件信息做OCR(光学字符识别，Optical Character Recognition)识别，目标运营机构服务器向钱包应用终端返回验证结果；
20.钱包应用终端请求目标运营机构服务器校验人脸身份；
21.目标运营机构服务器向钱包应用终端返回验证结果；
22.钱包应用终端向目标运营机构服务器获取银行卡信息；
23.目标运营机构服务器向钱包应用终端返回银行卡信息；
24.目标运营机构服务器判断用户输入的银行卡是否为授权目标运营机构服务器的银行卡；
25.钱包应用终端向目标运营机构服务器获取银行卡绑定手机号的银行卡；
26.目标运营机构服务器到发卡行查询银行卡绑定手机号的验证码；
27.目标运营机构服务器向钱包应用终端返回验证码发送结果；
28.钱包应用终端请求目标运营机构服务器验证银行卡绑定手机号的验证码；
29.目标运营机构服务器到发卡行验证银行卡绑定手机号的验证码；
30.目标运营机构服务器向钱包应用终端返回验证结果；
31.钱包应用终端向数字货币发行机构服务器发送开立钱包请求， 该请求中包括钱包名称、机构编号、钱包等级、支付密码、银行卡号(若有)、实名信息验证结果(若有)等参数；
32.数字货币发行机构服务器向互联互通网络发送开立钱包请求；
33.互联互通网络向目标运营机构服务器发送开立钱包请求；
34.目标运营机构服务器开立钱包后，向互联互通网络发送钱包信息；
35.互联互通网络向数字货币发行机构服务器发送钱包信息；
36.数字货币发行机构服务器落数据；
37.数字货币发行机构服务器向钱包应用终端发送钱包开立结果。
一类和二类钱包开立时需要用户提供银行卡信息，三类钱包开立时不需要用户提供银行卡信息，四类和五类钱包开立时不需要用户提供实名信息。因此，如果用户选择的是三类钱包，则可以不执行步骤22至步骤30；如果用户选择的是四类或五类钱包，则步骤31中开立钱包请求可以不包括银行卡号、实名信息验证结果等参数。
本公开的实施例基于双层运营体系，将数字钱包开立的入口从各大授权运营机构服务器方扩展上升到数字货币发行机构服务器或其他非运营机构服务器，让用户无需使用授权运营机构服务器提供的钱包开立方式，且可以在同一个平台开通多个授权运营机构服务器的数字钱包，大大降低了用户使用数字钱包的门槛，提高了便利性。并且，本公开的实施例中的数字钱包开立方法还支持直接开立二、三类钱包，不需要从四五类钱包升级，一步到位，实现和线下办理相同的功能体验。
根据本公开的实施例的第二方面，提供一种实现上述方法的钱包应用终端。
图3是本公开的实施例的钱包应用终端的主要模块的示意图。如图3所示，钱包应用终端300包括：
信息获取模块301，从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
信息验证模块302，与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；
钱包开立模块303，在验证通过的情况下，向所述数字货币发行机构服务器发送钱包开立请求，以使所述数字货币发行机构服务器通知所述目标运营机构服务器执行钱包开立操作和返回钱包开立结果，或者向所述目标运营机构服务器发送钱包开立请求以使所述目标运营机构服务器执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果；接收所述数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。
可选地，所述信息获取模块还用于：在与所述目标运营机构服务器进行通讯之前，接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
所述信息验证模块还用于：将所述钱包等级发送至所述目标运营机构服务器，以使所述目标运营机构服务器根据所述钱包等级确定对所述用户进行验证的验证内容；
所述钱包开立模块还用于：基于验证通过的所述验证内容生成所述钱包开立请求。
可选地，所述验证内容包括：验证码；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
向所述目标运营机构服务器发送获取验证码请求，接收所述目标运营机构服务器响应于所述获取验证码请求返回的验证码；
向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器基于所述验证码对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述验证内容包括：钱包信息；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的钱包信息，将所述钱包信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述钱包信息包括钱包实名信息和钱包用户的生物特征信息；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的钱包实名信息，将所述钱包实名信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包实名信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
接收所述用户输入的生物特征信息，将所述生物特征信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述生物特征信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述验证内容包括：银行账户信息；所述信息验证模块与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的银行账户信息，将所述银行账户信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行账户信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
可选地，所述银行账户信息包括银行卡号信息和银行卡的绑定手机号；所述信息验证模块与所述目标运营机构服务器进行通讯，以使 所述目标运营机构服务器对所述用户进行验证，包括：
接收所述用户输入的银行卡号信息，将所述银行卡号信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行卡号信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
根据所述银行卡号信息验证用户输入的银行卡是否为授权机构的银行卡；
接收所述用户输入的银行卡的绑定手机号，向所述目标运营机构服务器发送获取验证码请求，以使所述目标运营机构服务器到所述银行卡的发卡行查询验证码，接收所述目标运营机构服务器返回的验证码；向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器到所述发卡行验证该验证码，接收所述目标运营机构服务器返回的验证结果。
可选地，所述信息验证模块还用于：在所述钱包开立模块向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求之前：
接收所述用户的钱包标识操作请求，从所述钱包标识操作请求中解析钱包标识；
接收所述用户的支付密码操作请求，从所述支付密码操作请求中解析钱包的支付密码。
可选地，所述数字货币发行机构服务器收到所述目标运营机构服务器返回的钱包开立结果之后，保存所开立钱包的相关内容，所述相关信息包括以下至少之一：钱包名称、钱包ID、绑定手机号。
根据本公开的实施例的第三方面，提供一种实现上述方法的系统。
图4是本公开的实施例的数字钱包开立的系统的主要组成的示意图。如图4所示，数字钱包开立的系统，包括：钱包应用终端401，目 标运营机构服务器402和数字货币发行机构服务器403；其中，
所述钱包应用终端401向所述数字货币发行机构服务器403发送查询可开立钱包的运营机构服务器列表的请求；所述数字货币发行机构服务器402将所述运营机构服务器列表返回给所述钱包应用终端；
所述钱包应用终端401向用户展示所述运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器402；
所述钱包应用终端401与所述目标运营机构服务器402进行通讯，所述目标运营机构服务器402对所述用户进行验证，将验证结果返回至所述钱包应用终端401；
在验证通过的情况下，所述钱包应用终端401向所述数字货币发行机构服务器403发送钱包开立请求，所述数字货币发行机构服务器403响应于所述钱包开立请求通知所述目标运营机构服务器402执行钱包开立操作，所述目标运营机构服务器402执行钱包开立操作、然后向所述数字货币发现机构返回钱包开立结果，所述数字货币发现机构将所述钱包开立结果返回至所述钱包应用终端401；或者，所述钱包应用终端401向所述目标运营机构服务器402发送钱包开立请求，所述目标运营机构服务器402响应于所述钱包开立请求执行钱包开立操作、并向所述数字货币发行机构服务器403返回钱包开立结果，所述数字货币发行机构服务器403将所述钱包开立结果返回至所述钱包应用终端401。
本发明的一些实施例中，所述目标运营机构服务器402属于运营机构服务器中的一个或者多个。
在一些实施例中，所述钱包应用终端403在与所述目标运营机构服务器进行通讯之前，接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
所述钱包应用终端403将所述钱包等级发送至所述目标运营机构服务器402，以使所述目标运营机构服务器402根据所述钱包等级确定对所述用户进行验证的验证内容；
所述钱包应用终端403基于验证通过的所述验证内容生成所述钱包开立请求。
可选地，所述钱包应用终端401向所述目标运营机构服务器402发送获取验证码请求，所述目标运营机构服务器402响应于所述获取验证码请求向所述钱包应用终端401返回验证码；
所述钱包应用终端401向所述目标运营机构服务器402发送验证验证码请求，所述目标运营机构服务器402基于所述验证码对所述用户进行验证，然后向所述钱包应用终端401返回验证结果。
可选地，所述钱包应用终端401接收所述用户输入的钱包信息，将所述钱包信息发送至所述目标运营机构服务器402；所述目标运营机构服务器402基于所述钱包信息对所述用户进行验证，然后向所述钱包应用终端401返回验证结果。
可选地，所述钱包信息包括钱包实名信息和钱包用户的生物特征信息；所述钱包应用终端401接收所述用户输入的钱包实名信息，将所述钱包实名信息发送至所述目标运营机构服务器402；所述目标运营机构服务器402基于所述钱包实名信息对所述用户进行验证，然后向所述钱包应用终端401返回验证结果；
所述钱包应用终端401接收所述用户输入的生物特征信息，将所述生物特征信息发送至所述目标运营机构服务器402；所述目标运营机构服务器402基于所述生物特征信息对所述用户进行验证，然后向所述钱包应用终端401返回验证结果。
可选地，所述钱包应用终端401接收所述用户输入的银行账户信息，将所述银行账户信息发送至所述目标运营机构服务器402；所述目标运营机构服务器402基于所述银行账户信息对所述用户进行验证，然后向所述钱包应用终端401返回验证结果。
可选地，所述银行账户信息包括银行卡号信息和银行卡的绑定手机号；所述钱包应用终端401接收所述用户输入的银行卡号信息，将所述银行卡号信息发送至所述目标运营机构服务器402；所述目标运营机构服务器402基于所述银行卡号信息对所述用户进行验证，然后向所述钱包应用终端401返回验证结果；
所述钱包应用终端401根据所述银行卡号信息验证用户输入的银行卡是否为授权机构的银行卡；
所述钱包应用终端401接收所述用户输入的银行卡的绑定手机号，向所述目标运营机构服务器402发送获取验证码请求；所述目标运营机构服务器402到所述银行卡的发卡行查询验证码，向所述钱包应用终端返回验证码；所述钱包应用终端401向所述目标运营机构服务器402发送验证验证码请求，所述目标运营机构服务器402到所述发卡行验证该验证码，然后向所述钱包应用终端401返回验证结果。
在一些实施例中，所述钱包应用终端401接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
所述钱包应用终端401接收所述用户的钱包标识操作请求，从所述钱包标识操作请求中解析钱包标识；
所述钱包应用终端401接收所述用户的支付密码操作请求，从所述支付密码操作请求中解析钱包的支付密码。
可选地，所述数字货币发行机构服务器403收到所述目标运营机构服务器402返回的钱包开立结果之后，保存所开立钱包的相关内容，所述相关信息包括以下至少之一：钱包名称、钱包ID、绑定手机号。
根据本公开的实施例的第四方面，提供一种数字钱包开立的电子设备，包括：
一个或多个处理器；
存储装置，用于存储一个或多个程序，
当所述一个或多个程序被所述一个或多个处理器执行，使得所述 一个或多个处理器实现本公开的实施例第一方面提供的方法。
根据本公开的实施例的第五方面，提供一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现本公开的实施例第一方面提供的方法。
图5示出了可以应用本公开的实施例的数字钱包开立的方法或钱包应用终端的示例性系统架构500。
如图5所示，系统架构500可以包括终端设备501、502、503，网络504和服务器505。网络504用以在终端设备501、502、503和服务器505之间提供通信链路的介质。网络504可以包括各种连接类型，例如有线、无线通信链路或者光纤电缆等等。
用户可以使用终端设备501、502、503通过网络504与服务器505交互，以接收或发送消息等。终端设备501、502、503上可以安装有各种通讯客户端应用，例如购物类应用、网页浏览器应用、搜索类应用、即时通信工具、邮箱客户端、社交平台软件等(仅为示例)。
终端设备501、502、503可以是具有显示屏并且支持网页浏览的各种电子设备，包括但不限于智能手机、平板电脑、膝上型便携计算机和台式计算机等等。
服务器505可以是提供各种服务的服务器，例如对用户利用终端设备501、502、503所浏览的购物类网站提供支持的后台管理服务器(仅为示例)。后台管理服务器可以对接收到的产品信息查询请求等数据进行分析等处理，并将处理结果(例如目标推送信息、产品信息--仅为示例)反馈给终端设备。
需要说明的是，本公开的实施例所提供的数字钱包开立的方法可 以由终端设备501、502、503执行，相应地，钱包应用终端设置于终端设备501、502、503中。
应该理解，图5中的终端设备、网络和服务器的数目仅仅是示意性的。根据实现需要，可以具有任意数目的终端设备、网络和服务器。
下面参考图6，其示出了适于用来实现本公开的实施例的终端设备的计算机系统600的结构示意图。图6示出的终端设备仅仅是一个示例，不应对本公开的实施例的功能和使用范围带来任何限制。
如图6所示，计算机系统600包括中央处理单元(CPU)601，其可以根据存储在只读存储器(ROM)602中的程序或者从存储部分608加载到随机访问存储器(RAM)603中的程序而执行各种适当的动作和处理。在RAM 603中，还存储有系统600操作所需的各种程序和数据。CPU 601、ROM 602以及RAM 603通过总线604彼此相连。输入/输出(I/O)接口605也连接至总线604。
以下部件连接至I/O接口605：包括键盘、鼠标等的输入部分606；包括诸如阴极射线管(CRT)、液晶显示器(LCD)等以及扬声器等的输出部分607；包括硬盘等的存储部分608；以及包括诸如LAN卡、调制解调器等的网络接口卡的通信部分609。通信部分609经由诸如因特网的网络执行通信处理。驱动器610也根据需要连接至I/O接口605。可拆卸介质611，诸如磁盘、光盘、磁光盘、半导体存储器等等，根据需要安装在驱动器610上，以便于从其上读出的计算机程序根据需要被安装入存储部分608。
特别地，根据本公开的实施例，上文参考流程图描述的过程可以被实现为计算机软件程序。例如，本公开的实施例包括一种计算机程序产品，其包括承载在计算机可读介质上的计算机程序，该计算机程序包含用于执行流程图所示的方法的程序代码。在这样的实施例中， 该计算机程序可以通过通信部分609从网络上被下载和安装，和/或从可拆卸介质611被安装。在该计算机程序被中央处理单元(CPU)601执行时，执行本公开的系统中限定的上述功能。
需要说明的是，本公开所示的计算机可读介质可以是计算机可读信号介质或者计算机可读存储介质或者是上述两者的任意组合。计算机可读存储介质例如可以是——但不限于——电、磁、光、电磁、红外线、或半导体的系统、装置或器件，或者任意以上的组合。计算机可读存储介质的更具体的例子可以包括但不限于：具有一个或多个导线的电连接、便携式计算机磁盘、硬盘、随机访问存储器(RAM)、只读存储器(ROM)、可擦式可编程只读存储器(EPROM或闪存)、光纤、便携式紧凑磁盘只读存储器(CD-ROM)、光存储器件、磁存储器件、或者上述的任意合适的组合。在本公开中，计算机可读存储介质可以是任何包含或存储程序的有形介质，该程序可以被指令执行系统、装置或者器件使用或者与其结合使用。而在本公开中，计算机可读的信号介质可以包括在基带中或者作为载波一部分传播的数据信号，其中承载了计算机可读的程序代码。这种传播的数据信号可以采用多种形式，包括但不限于电磁信号、光信号或上述的任意合适的组合。计算机可读的信号介质还可以是计算机可读存储介质以外的任何计算机可读介质，该计算机可读介质可以发送、传播或者传输用于由指令执行系统、装置或者器件使用或者与其结合使用的程序。计算机可读介质上包含的程序代码可以用任何适当的介质传输，包括但不限于：无线、电线、光缆、RF等等，或者上述的任意合适的组合。
附图中的流程图和框图，图示了按照本公开各种实施例的系统、方法和计算机程序产品的可能实现的体系架构、功能和操作。在这点上，流程图或框图中的每个方框可以代表一个模块、程序段、或代码的一部分，上述模块、程序段、或代码的一部分包含一个或多个用于实现规定的逻辑功能的可执行指令。也应当注意，在有些作为替换的实现中，方框中所标注的功能也可以以不同于附图中所标注的顺序发 生。例如，两个接连地表示的方框实际上可以基本并行地执行，它们有时也可以按相反的顺序执行，这依所涉及的功能而定。也要注意的是，框图或流程图中的每个方框、以及框图或流程图中的方框的组合，可以用执行规定的功能或操作的专用的基于硬件的系统来实现，或者可以用专用硬件与计算机指令的组合来实现。
描述于本公开的实施例中所涉及到的模块以通过软件的方式实现，也可以通过硬件的方式来实现。所描述的模块也可以设置在处理器中，例如，可以描述为：一种处理器包括：信息获取模块，从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；信息验证模块，与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；钱包开立模块，在验证通过的情况下，向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求，接收所述目标运营机构服务器或所述数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。其中，这些模块的名称在某种情况下并不构成对该模块本身的限定，例如，信息获取模块还可以被描述为“向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求的模块”。
作为另一方面，本公开还提供了一种计算机可读介质，该计算机可读介质可以是上述实施例中描述的设备中所包含的；也可以是单独存在，而未装配入该设备中。上述计算机可读介质承载有一个或者多个程序，当上述一个或者多个程序被一个该设备执行时，使得该设备包括：从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；在验证通过的情况下，向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求，接收所述目标运营机构服务器或所述数字货币发行机构服务器在开立 钱包之后返回的钱包开立结果。
根据本公开的实施例的技术方案，将数字钱包开立的入口上升到数字货币发行机构服务器或其他授权或非授权运营机构服务器，让用户无须使用授权运营机构服务器提供的钱包开立方式，且可以在同一个平台开通多个授权运营机构服务器的数字钱包，大大降低了用户使用数字钱包的门槛，提高了便利性。
上述具体实施方式，并不构成对本公开保护范围的限制。本领域技术人员应该明白的是，取决于设计要求和其他因素，可以发生各种各样的修改、组合、子组合和替代。任何在本公开的精神和原则之内所作的修改、等同替换和改进等，均应包含在本公开保护范围之内。

Claims (13)

  1. 一种数字钱包开立的方法，包括：
    从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
    与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；
    在验证通过的情况下，向所述数字货币发行机构服务器发送钱包开立请求，以使所述数字货币发行机构服务器通知所述目标运营机构服务器执行钱包开立操作和返回钱包开立结果，或者向所述目标运营机构服务器发送钱包开立请求以使所述目标运营机构服务器执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果；接收所述数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。
  2. 如权利要求1所述的方法，其中，
    在与所述目标运营机构服务器进行通讯之前，所述方法还包括：接收所述用户的钱包等级操作请求，从所述钱包等级操作请求中解析钱包等级；
    与所述目标运营机构服务器进行通讯，还包括：将所述钱包等级发送至所述目标运营机构服务器，以使所述目标运营机构服务器根据所述钱包等级确定对所述用户进行验证的验证内容；
    所述方法还包括：基于验证通过的所述验证内容生成所述钱包开立请求。
  3. 如权利要求2所述的方法，其中，
    所述验证内容包括：验证码；
    与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
    向所述目标运营机构服务器发送获取验证码请求，接收所述目标 运营机构服务器响应于所述获取验证码请求返回的验证码；
    向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器基于所述验证码对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
  4. 如权利要求2所述的方法，其中，
    所述验证内容包括：钱包信息；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
    接收所述用户输入的钱包信息，将所述钱包信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
  5. 如权利要求4所述的方法，其中，
    所述钱包信息包括钱包实名信息和钱包用户的生物特征信息；与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
    接收所述用户输入的钱包实名信息，将所述钱包实名信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述钱包实名信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
    接收所述用户输入的生物特征信息，将所述生物特征信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述生物特征信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
  6. 如权利要求2所述的方法，其中，
    所述验证内容包括：银行账户信息；
    与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
    接收所述用户输入的银行账户信息，将所述银行账户信息发送至 所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行账户信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果。
  7. 如权利要求6所述的方法，其中，
    所述银行账户信息包括银行卡号信息和银行卡的绑定手机号；
    与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证，包括：
    接收所述用户输入的银行卡号信息，将所述银行卡号信息发送至所述目标运营机构服务器，以使所述目标运营机构服务器基于所述银行卡号信息对所述用户进行验证，接收所述目标运营机构服务器返回的验证结果；
    根据所述银行卡号信息验证用户输入的银行卡是否为授权机构的银行卡；
    接收所述用户输入的银行卡的绑定手机号，向所述目标运营机构服务器发送获取验证码请求，以使所述目标运营机构服务器到所述银行卡的发卡行查询验证码，接收所述目标运营机构服务器返回的验证码；向所述目标运营机构服务器发送验证验证码请求，以使所述目标运营机构服务器到所述发卡行验证该验证码，接收所述目标运营机构服务器返回的验证结果。
  8. 如权利要求1所述的方法，其中，
    在向所述目标运营机构服务器或所述数字货币发行机构服务器发送钱包开立请求之前，所述方法还包括：
    接收所述用户的钱包标识操作请求，从所述钱包标识操作请求中解析钱包标识；
    接收所述用户的支付密码操作请求，从所述支付密码操作请求中解析钱包的支付密码。
  9. 如权利要求1所述的方法，其中，
    所述数字货币发行机构服务器收到所述目标运营机构服务器返回的钱包开立结果之后，保存所开立钱包的相关信息，所述相关信息包括以下至少之一：钱包名称、钱包ID、绑定手机号。
  10. 一种钱包应用终端，包括：
    信息获取模块，从数字货币发行机构服务器获取并展示可开立钱包的运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
    信息验证模块，与所述目标运营机构服务器进行通讯，以使所述目标运营机构服务器对所述用户进行验证；
    钱包开立模块，在验证通过的情况下，向所述数字货币发行机构服务器发送钱包开立请求，以使所述数字货币发行机构服务器通知所述目标运营机构服务器执行钱包开立操作和返回钱包开立结果，或者向所述目标运营机构服务器发送钱包开立请求以使所述目标运营机构服务器执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果；接收所述数字货币发行机构服务器在开立钱包之后返回的钱包开立结果。
  11. 一种数字钱包开立的系统，包括：钱包应用终端，目标运营机构服务器和数字货币发行机构服务器，其中，
    所述钱包应用终端向所述数字货币发行机构服务器发送查询可开立钱包的运营机构服务器列表的请求；所述数字货币发行机构服务器将所述运营机构服务器列表返回给所述钱包应用终端；
    所述钱包应用终端向用户展示所述运营机构服务器列表，以使用户从所述运营机构服务器列表中选择目标运营机构服务器；
    所述钱包应用终端与所述目标运营机构服务器进行通讯，所述目标运营机构服务器对所述用户进行验证，将验证结果返回至所述钱包应用终端；
    在验证通过的情况下，所述钱包应用终端向所述数字货币发行机构服务器发送钱包开立请求，所述数字货币发行机构服务器响应于所 述钱包开立请求通知所述目标运营机构服务器执行钱包开立操作，所述目标运营机构服务器执行钱包开立操作、然后向所述数字货币发现机构返回钱包开立结果，所述数字货币发现机构将所述钱包开立结果返回至所述钱包应用终端；或者，所述钱包应用终端向所述目标运营机构服务器发送钱包开立请求，所述目标运营机构服务器响应于所述钱包开立请求执行钱包开立操作、并向所述数字货币发行机构服务器返回钱包开立结果，所述数字货币发现机构将所述钱包开立结果返回至所述钱包应用终端。
  12. 一种数字钱包开立的电子设备，包括：
    一个或多个处理器；
    存储装置，用于存储一个或多个程序，
    当所述一个或多个程序被所述一个或多个处理器执行，使得所述一个或多个处理器实现如权利要求1-9中任一所述的方法。
  13. 一种计算机可读介质，其上存储有计算机程序，所述程序被处理器执行时实现如权利要求1-9中任一所述的方法。
PCT/CN2022/107330 2021-09-29 2022-07-22 数字钱包开立的方法、钱包应用终端和系统 WO2023050983A1 (zh)

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CN1420433A (zh) * 2001-11-15 2003-05-28 网元国际金流股份有限公司 一种开立网上交易帐户的系统及方法
CN110494878A (zh) * 2017-04-05 2019-11-22 电信区块链联盟软件公司 通过电信运营商经由电话号码的数字财产汇款
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