CN107358436B - Method and system for accessing authenticated digital currency wallet payment through bank account - Google Patents

Abstract

The present invention provides a method and a system for paying a digital currency wallet through bank account access authentication, including receiving a payment request from a digital currency wallet; A digital currency wallet bound to a bank account to generate a digital currency transfer request; send the digital currency transfer request to the digital currency issuing bank; receive a successful payment result with the digital signature of the issuing bank. Therefore, the method and system of the present invention for accessing the authenticated digital currency wallet payment through the bank account can realize the payment of the digital currency wallet.

Description

Method and system for accessing authenticated digital currency wallet payment through bank account

technical field

The invention relates to the field of computer technology, and in particular, to a method and a system for accessing a certified digital currency wallet payment through a bank account.

Background technique

At present, payment based on electronic accounts is very common in my country. However, this method is essentially an informatization process of existing legal currency, and cannot be called digital currency in the strict sense. As legal currency, digital currency must be issued by the central bank. It is itself a currency, not just a payment tool, and cryptographic technology is the support of today's digital currency. Protocol to achieve various security requirements in the application process.

Although the pure digital currency system may not be associated with bank accounts, since my country's currency issuance follows the dual system from the central bank to commercial banks, and the current social and economic activities are mainly carried out based on the commercial bank account system, for example, the bank account system can be used to fully Using the bank's existing mature IT infrastructure and application and service system will greatly reduce the threshold for digital currency promotion, improve the convenience and flexibility of use, and help the largest customer group to use digital currency.

In order to buffer the impact of the separate establishment of the digital currency system on the existing banking system, and in order to maximize the protection of the existing system investment of commercial banks, the digital currency wallet attribute is introduced into the traditional account system of commercial banks to achieve both Existing electronic money can be managed as well as digital money. Among them, the digital currency wallet is used to store the digital currency of enterprises and individuals.

In the process of implementing the present invention, the inventor found that there are at least the following problems in the prior art: how to perform the payment process of the digital currency wallet on the basis of the existing bank account system has not yet been realized.

SUMMARY OF THE INVENTION

In view of this, the present invention provides a method and a system for paying with a digital currency wallet authenticated by a bank account, which can realize the payment of the digital currency wallet.

In order to achieve the above object, according to one aspect of the present invention, a method for paying by accessing an authenticated digital currency wallet through a bank account is provided.

The method of the present invention for paying by accessing a certified digital currency wallet through a bank account includes: receiving a payment request from the digital currency wallet; obtaining a digital signature of the bank account CA certificate for the payment request input by the user, and authorizing access to the bank account bound after the verification. A digital currency wallet to generate a digital currency transfer request; send the digital currency transfer request to the digital currency issuing bank; and receive a successful payment result with the digital signature of the issuing bank.

Optionally, before authorizing access to the digital currency wallet bound to the bank account after authentication, including: verifying the digital signature of the bank account CA certificate, authorizing access to the bank account after authentication; and authorizing access to the bank account in advance of binding digital currency wallet.

Optionally, before authorizing the user to access the digital currency wallet bound to the bank account, the method further includes: confirming that the digital currency wallet identifier of the initiator in the digital currency wallet payment request is the same as the pre-bound digital currency wallet identifier. .

Optionally, before generating the digital currency transfer request, it includes: confirming that the payment amount in the digital currency wallet payment request is less than or equal to the total digital currency amount in the digital currency wallet.

Optionally, after receiving the successful payment result with the digital signature of the banknote issuing bank, the method further includes: recording the digital currency destination coin generated by the post-payment balance and received by the initiator after payment in the successful payment result on the initiator. in the digital currency wallet.

According to another aspect of the embodiments of the present invention, there is also provided a system for paying through a bank account to access an authenticated digital currency wallet, including: an account bank user access system for receiving a payment request from a digital currency wallet, and calling the account bank A bank account access authentication system to verify the digital signature of the bank account CA certificate included in the user's payment request; an account bank digital currency system for generating a digital currency transfer request according to the payment request, and then transferring the digital currency The request is sent to the issuing bank of digital currency; at the same time, it is also used to receive the successful payment result with the digital signature of the issuing bank.

Optionally, an account bank application system is also included, which is used for authorizing access to the bank account through the digital signature of the authenticated bank account CA certificate; and authorizing access to the digital currency wallet pre-bound to the bank account.

Optionally, the account bank application system is configured to confirm that the digital currency wallet identifier of the initiator in the digital currency wallet payment request is the same as the digital currency wallet identifier pre-bound by the authorized access to the bank account.

Optionally, the account line digital currency system is further configured to: confirm that the payment amount in the digital currency wallet payment request is less than or equal to the total digital currency amount in the digital currency wallet.

Optionally, the account bank digital currency system is further configured to: record the digital currency destination coin generated by the post-payment balance and received by the initiator after payment in the successful payment result in the initiator's digital currency wallet.

According to another aspect of the embodiments of the present invention, there is also provided a computer-readable storage medium, where computer instructions are stored in the computer-readable storage medium, and the computer instructions can be executed by a computer or a computer system, so that the computer Or a computer system can implement the method described in any of the above embodiments.

According to the technical solution of the present invention, the digital currency wallet is supported under the account line, and the user realizes the technical means of digital currency wallet payment through the account line, thereby achieving the technical effect of flexible and fast digital currency wallet payment.

Further effects of the above non-conventional alternatives will be described below in conjunction with specific embodiments.

Description of drawings

The accompanying drawings are used for better understanding of the present invention and do not constitute an improper limitation of the present invention. in:

1 is a schematic diagram of a digital currency supported by a commercial bank account system according to an embodiment of the present invention;

2 is a schematic diagram of different transaction channels for different types of currencies according to an embodiment of the present invention;

3 is a schematic flow chart of a method for accessing an authenticated digital currency wallet payment through a bank account according to an embodiment of the present invention;

4 is a schematic diagram of the relationship between a bank account and a digital currency wallet according to an embodiment of the present invention;

5 is a schematic diagram of the relationship between a bank account and a digital currency wallet in a referenced embodiment of the present invention;

6 is a schematic flow chart of a method for accessing an authenticated digital currency wallet payment through a bank account according to a referenced embodiment of the present invention;

7 is a schematic diagram of the main structure of a system for paying with a digital currency wallet authenticated through bank account access according to an embodiment of the present invention;

FIG. 8 is a schematic diagram of the main structure of a system for paying with a digital currency wallet authenticated by accessing a bank account according to a referenced embodiment of the present invention.

Detailed ways

Exemplary embodiments of the present invention are described below with reference to the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding and should be considered as exemplary only. Accordingly, those of ordinary skill in the art will recognize that various changes and modifications of the embodiments described herein can be made without departing from the scope and spirit of the invention. Also, descriptions of well-known functions and constructions are omitted from the following description for clarity and conciseness.

In order to buffer the impact of the separate establishment of the digital currency system on the existing banking system, and to protect the existing system investment of commercial banks to the greatest extent, the present invention introduces the digital currency wallet attribute on the traditional account system of commercial banks (as shown in Figure 1). (shown in ), realize that both existing electronic currency and digital currency can be managed under one account. Electronic currency and digital currency management have commonalities, such as account usage, identity authentication, etc., but there are also differences. Digital currency management should comply with the central bank's relevant wallet design standards, similar to the concept of a safe deposit box. The bank will manage the safe deposit box according to the authority agreed with the customer (for example, there must be two keys of the customer and the bank to open it, etc.), and retain digital currency as encryption. All properties of currency.

The advantage of this is that it follows the dual system of currency issuance. The digital currency is a liability of the bank that is issuing the banknotes and is outside the balance sheet of the account bank. Since the account bank is still substantively managing customers and accounts, it will not lead to channelization or marginalization of commercial banks. Different from the previous deposit of cash, digital currency does not completely rely on bank accounts. It can directly confirm the rights through the bank that issues the banknotes, and use the client's digital currency wallet to realize point-to-point cash transactions. The note-issuing bank may be the central bank, or may be a note-issuing institution authorized by the central bank (for example, the Hong Kong dollar issuance model). Which distribution method to choose depends on the actual situation.

Under the centralized and unified issuance of digital currency by the central bank, the digital currency in the bank vault of the commercial bank is the asset of the commercial bank and the liability of the central bank; the digital currency in the customer account of the commercial bank is the asset of the customer and the liability of the central bank. For peer-to-peer digital currency transactions between customers, the central bank’s digital currency issuance system conducts transaction confirmation and management (as shown in Figure 2), and the central bank assumes transaction responsibility; for electronic currency transactions, it is consistent with the existing process, through the central bank’s inter-bank payment system, commercial The bank's core business system was completed.

FIG. 3 is a schematic flow chart of a method for paying by accessing an authenticated digital currency wallet through a bank account according to an embodiment of the present invention. As shown in FIG. 3 , it is applied to an account bank. Payment methods include:

Step S101, receiving a payment request from a digital currency wallet.

Wherein, the digital currency wallet payment request includes: the user ID, the initiator's digital currency wallet ID, the payment amount, the recipient's digital currency wallet ID, and the user's digital signature.

It should be noted that the user may be an individual user or an enterprise user.

Step S102: Obtain the digital signature of the bank account CA certificate for the payment request input by the user, and authorize access to the digital currency wallet bound to the bank account after authentication, so as to generate a digital currency transfer request.

In an embodiment, the bank account may be bound to a digital currency wallet (as shown in Figure 4). This binding stores the digital currency wallet ID in the bank account (as shown in Figure 5, the digital currency wallet is referred to as "wallet" for short), and also saves the associated bank account ID in the digital currency wallet. After the bank account is bound to the wallet, the digital currency wallet can be accessed through the CA certificate of the bank account, but the bank account cannot be accessed through the digital currency wallet CA certificate. The exchange of the digital currency wallet is performed through the bound bank account.

Among them, the account bank digital currency wallet opened by the user is authenticated by the bank account CA certificate of the account bank, and is opened based on the existing bank account. Like bank accounts, digital currency wallets are subject to strong real-name authentication. A digital currency wallet opened through bank account authentication, the bank account is bound to the digital currency wallet, and the bank account will identify the ID of the digital currency wallet and then correspond.

In a preferred embodiment, before authorizing access to the digital currency wallet bound to the bank account after authentication, the digital signature of the user's bank account CA certificate can be verified, and after the authentication is passed, the bank account can be authorized to access, and Authorize access to the digital currency wallet pre-bound to the bank account.

Further, determine whether the digital currency wallet identifier of the initiator in the digital currency wallet payment request is the same as the pre-bound digital currency wallet identifier, and if so, authorize the user to access the digital currency wallet bound by the bank account, otherwise exit the process.

Further, when the authorized user accesses the digital currency wallet bound to the bank account, it can be determined whether the payment amount in the payment request of the digital currency wallet is less than or equal to the total amount of digital currency in the digital currency wallet, if Less than or equal to can generate a digital currency transfer request, otherwise exit the process.

In addition, a digital currency transfer request is generated according to the payment request of the digital currency wallet. The digital currency transfer request includes the user information of the initiator, the digital currency wallet identifier of the initiator, the digital currency wallet identifier of the recipient, the transfer digital currency string set, the transferred digital currency amount, and the digital signature of the account line and the user's digital currency. Currency wallet CA certificate digital signature.

It should be noted that the amount of the transferred digital currency is the amount that the initiator's digital currency wallet needs to pay to the recipient's digital currency wallet. The transfer digital currency string set is all the digital currency in the digital currency wallet of the initiator, and the storage of the digital currency is in the form of a string set. The digital currency string has a field structure, and the application attribute information of the digital currency is recorded and carried through the field structure, and the application attribute information of the digital currency can be used to realize functions such as the control of the digital currency capital flow and the execution of specific applications, so that the digital currency can be used. Meet the needs of application scenarios and value-added services. Preferably, the field structure in the digital currency string can be configured such that each field can be graded and variable in length, and the number of fields can also be expanded according to requirements.

Step S103, sending the digital currency transfer request to the digital currency issuing bank.

In an embodiment, the banknote issuing bank is generally the central bank. After receiving the digital currency transfer request, the note-issuing bank registers the source currency string in the transfer digital currency string set of the initiator as invalid in the system, that is, marked as spent, and then generates the destination currency string. That is, the successful payment result includes: the digital currency destination currency string generated by the balance generated after subtracting the digital currency amount in the transferred digital currency string set from the transferred digital currency amount.

In addition, it can be determined that the digital signature of the account bank in the digital currency transfer request (the digital certificate of the account bank is pre-stored in the money-issuing bank, and the digital signature of the account bank in the digital currency transfer request can be passed through the pre-stored digital certificate of the account bank. The results of the certificate verification are compared to determine that the digital signature of the account line in the digital currency transfer request is correct) and the digital currency wallet CA certificate of the user is correct, and then the digital currency transfer request can be based on the recipient in the digital currency transfer request. Digital currency wallet identifier, send the string of the transferred digital currency amount to the recipient's digital currency wallet (the recipient's digital currency wallet can record the transferred digital currency amount), and return the payment success result to the initiator. It can be seen that the digital currency payment processing is performed by the bank that issued the banknotes, while the account bank only needs to receive the payment result and store the digital currency.

Further, before executing the payment according to the digital currency transfer request, the banknote issuing bank may first determine that the user information of the initiator is consistent with the identifier of the digital currency wallet of the initiator. In addition, the validity of the recipient's digital currency wallet can be determined. For example: whether the receiver's digital currency wallet is in a normal working state. It should be noted that when the user information of the initiator and the identity of the digital currency wallet of the initiator are inconsistent or the digital currency wallet of the recipient is invalid, the banknote issuing bank will return the payment failure information.

Preferably, it is also possible to judge whether the digital currency amount in the transfer digital currency string set in the digital currency transfer request is greater than or equal to the transferred digital currency amount. The money transfer request executes the payment, and the note-issuing bank can return the result of payment failure when the judgment result is less than.

Step S104, receiving the successful payment result with the digital signature of the banknote issuing bank.

In the embodiment, after receiving the successful payment result, the digital currency destination coin generated by the post-payment balance and received by the initiator after payment in the successful payment result is recorded in the initiator's digital currency wallet. Further, the payment success result may be returned to the user.

It should be noted that, in the embodiment of the present invention, the account line of the originator and the account line of the receiver may be the same account line, or may be different account lines.

From the above embodiments, it can be seen that when the user has the CA certificate of an account, the user can perform payment operations on the digital currency wallet bound to the account.

6 is a schematic flow chart of a method for realizing payment in a digital currency wallet through a bank account according to a reference embodiment of the present invention. The method for realizing payment in a digital currency wallet through a bank account, applied to an account bank, may include:

Step S201, receiving a payment request from a digital currency wallet. Wherein, the digital currency wallet payment request includes: the user ID, the initiator's digital currency wallet ID, the payment amount, the recipient's digital currency wallet ID, and the user's digital signature.

Step S202, acquiring the digital signature of the bank account CA certificate for the payment request input by the user.

Step S203, it is judged whether the bank account CA certificate is correct, if it is correct, go to step S204, otherwise, exit the process.

Step S204: Authorize access to the bank account, and obtain the digital currency wallet identifier pre-bound to the bank account.

Step S205, it is judged whether the initiator's digital currency wallet identifier in the digital currency wallet payment request is the same as the pre-bound digital currency wallet identifier, if so, go to step S206, otherwise, exit the process.

Step S206, authorize access to the digital currency wallet pre-bound to the bank account.

Step S207, judging whether the payment amount in the digital currency wallet payment request is less than or equal to the digital currency in the digital currency wallet, if so, go to step S208, otherwise exit the process.

Step S208, generating a digital currency transfer request according to the payment request of the digital currency wallet.

The digital currency transfer request includes the user information of the initiator, the digital currency wallet identifier of the initiator, the digital currency wallet identifier of the recipient, the transfer digital currency string set, the transferred digital currency amount, and the digital signature of the account line and the user's digital currency. Currency wallet CA certificate digital signature.

Step S209, sending the digital currency transfer request to the digital currency issuing bank.

In an embodiment, the banknote issuing bank is generally the central bank. After receiving the digital currency transfer request, the note-issuing bank registers the source currency string in the transfer digital currency string set of the initiator as invalid in the system, that is, marked as spent, and then generates the destination currency string. That is, the successful payment result includes: the digital currency destination currency string generated by the balance generated after subtracting the digital currency amount in the transferred digital currency string set from the transferred digital currency amount.

In addition, it can be determined that the digital signature of the account bank in the digital currency transfer request (the digital certificate of the account bank is pre-stored in the money-issuing bank, and the digital signature of the account bank in the digital currency transfer request can be passed through the pre-stored digital certificate of the account bank. The results of the certificate verification are compared to determine that the digital signature of the account line in the digital currency transfer request is correct) and the digital currency wallet CA certificate of the user is correct, and then the digital currency transfer request can be based on the recipient in the digital currency transfer request. Digital currency wallet identifier, send the string of the transferred digital currency amount to the recipient's digital currency wallet (the recipient's digital currency wallet can record the transferred digital currency amount), and return the payment success result to the initiator. It can be seen that the digital currency payment processing is performed by the bank that issued the banknotes, while the account bank only needs to receive the payment result and store the digital currency.

Further, before executing the payment according to the digital currency transfer request, the banknote issuing bank may first determine that the user information of the initiator is consistent with the identifier of the digital currency wallet of the initiator. In addition, the validity of the recipient's digital currency wallet can be determined. For example: whether the receiver's digital currency wallet is in a normal working state. It should be noted that when the user information of the initiator and the identity of the digital currency wallet of the initiator are inconsistent or the digital currency wallet of the recipient is invalid, the banknote issuing bank will return the payment failure information.

Preferably, it is also possible to judge whether the digital currency amount in the transfer digital currency string set in the digital currency transfer request is greater than or equal to the transferred digital currency amount. The money transfer request executes the payment, and the note-issuing bank can return the result of payment failure when the judgment result is less than.

Step S210, receiving the successful payment result with the digital signature of the banknote issuing bank.

Wherein, after receiving the successful payment result, the digital currency destination coin generated by the post-payment balance and received by the initiator after payment in the successful payment result is recorded in the initiator's digital currency wallet.

Step S211, returning a successful payment result to the user.

It should be noted that, in the present invention, reference can be made to the specific implementation content of the method for realizing digital currency wallet payment through a bank account described in the embodiment, which has been described in detail in the above-mentioned method for realizing digital currency wallet payment through a bank account, Therefore, the repeated content will not be explained here.

In another aspect of the embodiment of the present invention, a system 300 for accessing an authenticated digital currency wallet payment through a bank account is also provided. Referring to FIG. 7 , the system 300 for accessing an authenticated digital currency wallet payment through a bank account is shown in FIG. 7 . It includes an account bank user access system 301 , an account bank digital currency system 302 and an account bank bank account access authentication system 303 . The account bank user access system 301 receives the payment request from the digital currency wallet, and calls the account bank bank account access authentication system 303 to verify the digital signature of the bank account CA certificate included in the user payment request. The account bank digital currency system 302 generates a digital currency transfer request according to the payment request, and then sends the digital currency transfer request to the digital currency bank; at the same time, the account bank digital currency system 302 can also receive a The successful payment result of the digital signature of the cash-issuing bank.

Preferably, the account line digital currency system 302 can determine whether the payment amount in the digital currency wallet payment request is less than or equal to the digital currency in the digital currency wallet, and if it is less than or equal to, generate a digital currency transfer request, otherwise not. be implemented.

As another preferred embodiment, as shown in FIG. 8 , the system 300 for realizing digital currency wallet payment through a bank account further includes an account line application system 304 . The account bank application system 304 may authorize access to the bank account through the authenticated digital signature of the bank account CA certificate; and authorize access to the digital currency wallet pre-bound to the bank account.

Further, the account bank application system 304 can confirm that the digital currency wallet identifier of the initiator in the digital currency wallet payment request is the same as the digital currency wallet identifier pre-bound in the authorized access to the bank account.

In addition, the account bank digital currency system 302 needs to confirm that the payment amount in the digital currency wallet payment request is less than or equal to the digital currency in the digital currency wallet before generating the digital currency transfer request according to the payment request of the digital currency wallet. lump sum. The digital currency transfer request includes the user information of the initiator, the digital currency wallet identifier of the initiator, the digital currency wallet identifier of the recipient, the transfer digital currency string set, the transferred digital currency amount, and the digital signature of the account line and the user's digital currency. Currency wallet CA certificate digital signature.

In another embodiment, after receiving the payment success result, the account bank digital currency system 302 records the digital currency destination coin generated by the post-payment balance and received by the post-payment initiator in the payment success result in the initiator's digital currency. currency wallet. Further, the account line digital currency system 302 can return the successful payment result to the user through the account line application system 303 and the account line user access system 301 in sequence.

It should be noted that, the specific implementation content of the system for paying by accessing an authenticated digital currency wallet through a bank account according to the present invention has been described in detail in the above-mentioned method for paying by accessing an authenticated digital currency wallet by a bank account. Duplicate content will not be explained here.

According to the technical solution of the embodiment of the present invention, the digital currency wallet is supported under the account line, and the user realizes the technical means of digital currency wallet payment through the account line, thereby achieving the technical effect of flexible and fast digital currency wallet payment.

The above-mentioned specific embodiments do not constitute a limitation on the protection scope of the present invention. It should be understood by those skilled in the art that various modifications, combinations, sub-combinations and substitutions may occur depending on design requirements and other factors. Any modifications, equivalent replacements and improvements made within the spirit and principle of the present invention shall be included within the protection scope of the present invention.

Claims (11)

1. a method for paying by the digital currency wallet of bank account access authentication, is characterized in that, comprises: Receive payment requests from digital currency wallets; among them, digital currency is issued by the central bank as legal tender and constructed based on cryptographic principles; Obtain the digital signature of the bank account CA certificate entered by the user for the payment request, and authorize access to the digital currency wallet bound to the bank account after authentication to generate a digital currency transfer request; sending the digital currency transfer request to the digital currency issuing bank; Receive a successful payment result with the issuing bank's digital signature. 2. method according to claim 1, is characterized in that, before the digital currency wallet that authorizes access to bank account number binding after authentication, comprises: verify the digital signature of bank account CA certificate, authorize access to bank account after authentication; And authorized access A digital currency wallet with a pre-bound bank account. 3. The method according to claim 2, wherein before authorizing the user to access the digital currency wallet bound to the bank account, the method further comprises: Confirm that the digital currency wallet identifier of the initiator in the digital currency wallet payment request is the same as the pre-bound digital currency wallet identifier. 4. The method according to any one of claims 1-3, wherein before generating the digital currency transfer request, comprising: Confirm that the payment amount in the digital currency wallet payment request is less than or equal to the total digital currency amount in the digital currency wallet. 5. The method according to claim 1, characterized in that, after receiving the successful payment result with the digital signature of the issuing bank, it also comprises: The digital currency destination coin generated by the post-payment balance and received by the initiator after payment in the successful payment result is recorded in the initiator's digital currency wallet. 6. A system for paying via a bank account to access an authenticated digital currency wallet, comprising: The account bank user access system is used to receive the payment request of the digital currency wallet, and call the account bank bank account access authentication system to verify the digital signature of the bank account CA certificate included in the user payment request; among them, digital currency is used as legal currency by Issued by the central bank and constructed based on cryptographic principles; The account bank digital currency system is used to generate a digital currency transfer request according to the payment request, and then send the digital currency transfer request to the digital currency issuing bank; at the same time, it is also used to receive a digital signature with the issuing bank payment success result. 7. The system according to claim 6, further comprising an account bank application system for authorizing access to the bank account through the authenticated bank account CA certificate digital signature; and authorizing access to the bank account in advance bound designated digital currency wallet. 8. The system according to claim 7, wherein the account bank application system is also used to confirm the digital currency wallet identification of the initiator in the digital currency wallet payment request and the authorization to access the bank account The pre-bound digital currency wallet ID is the same. 9. The system according to any one of claims 6-8, wherein the account line digital currency system is further used to: confirm that the payment amount in the digital currency wallet payment request is less than or equal to the digital currency The total amount of digital currency in the currency wallet. 10. The system according to claim 6, wherein the account bank digital currency system is also used for: the digital currency generated by the post-payment balance received by the initiator after payment in the successful payment result The destination coins are recorded in the originator's digital currency wallet. 11. A computer-readable storage medium having computer instructions stored in the computer-readable storage medium, wherein the computer instructions can be executed by a computer or a computer system, thereby enabling the computer or computer system to execute the claims The method of any one of 1-5.

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