技术领域technical field
本发明涉及计算机技术领域，尤其涉及一种通过银行账户访问认证的数字货币钱包支付的方法、系统。The present invention relates to the field of computer technology, in particular to a method and system for accessing and authenticating a digital currency wallet payment through a bank account.
背景技术Background technique
目前，我国基于电子账户实现的支付已经十分普遍，然而这种方式本质上还只是一种现有法定货币的信息化过程，还不能称作严格意义上的数字货币。数字货币作为法定货币必须由央行来发行，其本身就是货币而不仅仅是支付工具，而且密码技术是当今数字货币的支撑，数字货币从发行到流通均需要基于密码学原理来构建，并采用密码协议来实现应用过程中的各类安全需求。At present, payment based on electronic accounts is very common in my country. However, this method is essentially just an informatization process of existing legal tender, and cannot be called digital currency in the strict sense. As a legal currency, digital currency must be issued by the central bank. It is currency itself and not just a payment tool, and encryption technology is the support of today's digital currency. Digital currency needs to be constructed based on the principles of cryptography from issuance to circulation. Protocol to achieve various security requirements in the application process.
虽然纯数字货币系统可以不与银行账户关联，但由于我国的货币发行遵循中央银行到商业银行的二元体系，而且当前社会经济活动主要基于商业银行账户体系开展，如可以借助银行账户体系，充分利用银行现有成熟的IT基础设施以及应用和服务体系，将大大降低数字货币推广门槛，提高使用便捷性和灵活性，有助于最广大的客户群体使用数字货币。Although a pure digital currency system may not be associated with a bank account, 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, if the bank account system can be used to fully Utilizing the bank's existing mature IT infrastructure and application and service systems will greatly reduce the threshold for digital currency promotion, improve the convenience and flexibility of use, and help the largest customer base use digital currency.
为缓冲单独设立数字货币体系给现有银行体系带来的冲击，也为了最大限度地保护商业银行现有的系统投资，在商业银行传统账户体系上，引入数字货币钱包属性，实现一个账户下既可以管理现有电子货币，也可以管理数字货币。其中，数字货币钱包是用于存放企业和个人的数字货币。In order to buffer the impact of the establishment of a separate digital currency system on the existing banking system, and 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 realize both Existing electronic currencies can be managed as well as digital currencies. Among them, the digital currency wallet is used to store digital currency of enterprises and individuals.
在实现本发明过程中，发明人发现现有技术中至少存在如下问题：目前还没有实现如何在现有银行账户体系的基础上，进行数字货币钱包的支付过程。In the process of realizing the present invention, the inventors found that there are at least the following problems in the prior art: how to carry out the payment process of the digital currency wallet on the basis of the existing bank account system has not yet been realized.
发明内容Contents of the invention
有鉴于此，本发明提供一种通过银行账户访问认证的数字货币钱包支付的方法、系统，能够实现数字货币钱包的支付。In view of this, the present invention provides a method and system for accessing and authenticating a digital currency wallet payment through a bank account, which can realize digital currency wallet payment.
为实现上述目的，根据本发明的一个方面，提供了一种通过银行账户访问认证的数字货币钱包支付的方法。To achieve the above object, according to one aspect of the present invention, a method for accessing and authenticating digital currency wallet payment through a bank account is provided.
本发明通过银行账户访问认证的数字货币钱包支付的方法包括：接收数字货币钱包的支付请求；获取用户输入的对支付请求的银行账户CA证书数字签名，认证后授权访问所述银行账号绑定的数字货币钱包，以生成数字货币转移请求；将所述数字货币转移请求发送至数字货币发钞行；接收带有发钞行数字签名的支付成功结果。The method of the present invention for accessing the certified digital currency wallet payment through the bank account includes: receiving the payment request of the digital currency wallet; obtaining the digital signature of the bank account CA certificate input by the user for the payment request, and authorizing access to the bank account bound after authentication; The digital currency wallet is used to generate a digital currency transfer request; send the digital currency transfer request to a digital currency note-issuing bank; and receive a successful payment result with a digital signature of the note-issuing bank.
可选地，认证后授权访问所述银行账号绑定的数字货币钱包之前，包括：验证银行账户CA证书的数字签名，认证后授权访问所述银行账户；以及授权访问所述银行账户预先绑定的数字货币钱包。Optionally, before authorizing access to the digital currency wallet bound to the bank account after authentication, it includes: 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 pre-bound digital currency wallet.
可选地，授权用户访问所述银行账户绑定的数字货币钱包之前，还包括：确认所述数字货币钱包支付请求中的发起方数字货币钱包标识与所述预先绑定的数字货币钱包标识相同。Optionally, before authorizing the user to access the digital currency wallet bound to the bank account, it also includes: confirming that the initiator digital currency wallet ID in the digital currency wallet payment request is the same as the pre-bound digital currency wallet ID .
可选地，生成数字货币转移请求之前，包括：确认所述数字货币钱包支付请求中的支付金额小于或等于所述数字货币钱包中的数字货币总金额。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 amount of digital currency in the digital currency wallet.
可选地，接收带有发钞行数字签名的支付成功结果之后，还包括：将所述支付成功结果中的支付后发起方收到的按支付后余额生成的数字货币去向币记录在发起方数字货币钱包中。Optionally, after receiving the successful payment result with the digital signature of the issuing bank, it also includes: recording the destination currency of the digital currency generated by the balance after payment received by the initiator in the successful payment result in the initiator In the digital currency wallet.
根据本发明实施例的另一个方面，还提供了一种通过银行账户访问认证的数字货币钱包支付的系统，包括：账户行用户访问系统，用于接收数字货币钱包的支付请求，和调用账户行银行账户访问认证系统来验证用户支付请求的中包含的银行账户CA证书的数字签名；账户行数字货币系统，用于根据所述支付请求，以生成数字货币转移请求，然后将所述数字货币转移请求发送至数字货币发钞行；同时，还用于接收带有发钞行数字签名的支付成功结果。According to another aspect of the embodiment of the present invention, there is also provided a system for accessing and authenticating a digital currency wallet payment through a bank account, including: an account bank user access system for receiving a payment request from a digital currency wallet, and calling an account bank The bank account access authentication system is used to verify the digital signature of the bank account CA certificate contained in the user's payment request; the account line digital currency system is used to generate a digital currency transfer request according to the payment request, and then transfer the digital currency The request is sent to the digital currency note issuing bank; at the same time, it is also used to receive the successful payment result with the digital signature of the note issuing bank.
可选地，还包括账户行应用系统，用于通过认证后的银行账户CA证书数字签名授权访问所述银行账户；以及授权访问所述银行账户预先绑定的数字货币钱包。Optionally, it also includes an account bank application system 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 with the bank account.
可选地，所述账户行应用系统，用于确认所述数字货币钱包支付请求中的发起方数字货币钱包标识与所述授权访问所述银行账户预先绑定的数字货币钱包标识相同。Optionally, the account bank application system is configured to confirm that the originator's digital currency wallet ID in the digital currency wallet payment request is the same as the digital currency wallet ID pre-bound with the authorization to access the bank account.
可选地，所述账户行数字货币系统，还用于：确认所述数字货币钱包支付请求中的支付金额小于或等于所述数字货币钱包中的数字货币总金额。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 amount of digital currency in the digital currency wallet.
可选地，所述账户行数字货币系统，还用于：将所述支付成功结果中的支付后发起方收到的按支付后余额生成的数字货币去向币记录在发起方数字货币钱包中。Optionally, the account line digital currency system is further configured to: record in the digital currency wallet of the initiator the digital currency whereabouts coins generated according to the balance after payment received by the initiator after payment in the successful payment result.
根据本发明实施例的另一个方面，还提供了一种计算机可读存储介质，所述计算机可读存储介质中存储有计算机指令，所述计算机指令能够被计算机或计算机系统运行，从而使该计算机或计算机系统能够实现上述任一实施例所述的方法。According to another aspect of the embodiments of the present invention, a computer-readable storage medium is also provided, the computer-readable storage medium stores computer instructions, and the computer instructions can be executed by a computer or a computer system, so that the computer Or the computer system can implement the method described in any of the foregoing embodiments.
根据本发明的技术方案，采用数字货币钱包依托在账户行下，用户通过账户行实现数字货币钱包支付的技术手段，进而达到了灵活、快速地数字货币钱包支付的技术效果。According to the technical solution of the present invention, the digital currency wallet is used to rely on 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.
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。The further effects of the above-mentioned non-conventional alternatives will be described below in conjunction with specific embodiments.
附图说明Description of drawings
附图用于更好地理解本发明，不构成对本发明的不当限定。其中：The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:
图1是根据本发明实施方式中商业银行账户体系支持的数字货币的示意图；Fig. 1 is a schematic diagram of the digital currency supported by the commercial bank account system according to the embodiment of the present invention;
图2是根据本发明实施方式中不同类型货币的不同交易渠道的示意图；Fig. 2 is a schematic diagram of different transaction channels of different types of currencies according to an embodiment of the present invention;
图3是根据本发明实施方式的一种通过银行账户访问认证的数字货币钱包支付的方法的主要流程示意图；3 is a schematic diagram of the main flow of a method of digital currency wallet payment through bank account access authentication according to an embodiment of the present invention;
图4是根据本发明实施方式中银行账户与数字货币钱包的关系示意图；Fig. 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;
图5是根据本发明可参考实施方式中银行账户与数字货币钱包的关系示意图；Fig. 5 is a schematic diagram of the relationship between a bank account and a digital currency wallet in a reference embodiment according to the present invention;
图6是根据本发明可参考实施方式中通过银行账户访问认证的数字货币钱包支付的方法的主要流程示意图；Fig. 6 is a schematic flow diagram of the main flow of the method of digital currency wallet payment through bank account access authentication in the reference embodiment of the present invention;
图7是根据本发明实施方式中通过银行账户访问认证的数字货币钱包支付的系统的主要结构示意图；7 is a schematic diagram of the main structure of a system for digital currency wallet payment through bank account access authentication according to an embodiment of the present invention;
图8是根据本发明一个可参考实施方式中通过银行账户访问认证的数字货币钱包支付的系统的主要结构示意图。Fig. 8 is a schematic diagram of the main structure of a digital currency wallet payment system through bank account access authentication according to a reference embodiment of the present invention.
具体实施方式detailed description
以下结合附图对本发明的示范性实施例做出说明，其中包括本发明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，而不会背离本发明的范围和精神。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。Exemplary embodiments of the present invention are described below in conjunction with the accompanying drawings, which include various details of the embodiments of the present invention to facilitate understanding, and they should be regarded 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 in the following description for clarity and conciseness.
本发明为缓冲单独设立数字货币体系给现有银行体系带来的冲击，也为了最大限度地保护商业银行现有的系统投资，在商业银行传统账户体系上，引入数字货币钱包属性(如图1中所示)，实现一个账户下既可以管理现有电子货币，也可以管理数字货币。电子货币与数字货币管理上有其共性，如账号使用、身份认证等，但也存在差异。数字货币管理应符合央行有关钱包设计标准，类似保管箱的概念，银行将根据与客户的约定权限管理保管箱(比如必须有客户和银行两把钥匙才能打开等等约定)，保留数字货币作为加密货币的所有属性。In order to buffer the impact of establishing a digital currency system alone on the existing banking system, and to protect the existing system investment of commercial banks to the greatest extent, the present invention introduces digital currency wallet attributes into the traditional account system of commercial banks (as shown in Figure 1 As shown in ), it is possible to manage both existing electronic currency and digital currency under one account. E-money and digital currency management have commonalities, such as account use, 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 agreed authority with the customer (for example, there must be two keys from the customer and the bank to open, etc.), and the digital currency is reserved as an encrypted All properties of the currency.
这样做的好处是沿用了货币发行二元体系的做法，数字货币是发钞行的负债，在账户行的资产负债表之外。由于账户行依然还在实质性管理客户与账户，不会导致商业银行被通道化或者边缘化。不同于以往的圈存现金，数字货币不完全依赖银行账户，可以通过发钞行直接确权，利用客户端的数字货币钱包实现点对点的现金交易。其中，发钞行可以是央行，也可以是央行授权的发钞机构(例如港币发行模式)。具体选择哪种发行方式得根据实际情况来定。The advantage of this is that it follows the dual system of currency issuance, and the digital currency is the liability of the note-issuing bank, which is outside the balance sheet of the account bank. Since the account bank is still substantially managing customers and accounts, commercial banks will not be channelized or marginalized. Unlike previous cash deposits, digital currency does not rely entirely on bank accounts, and can be directly confirmed by the issuing bank, using the client's digital currency wallet to achieve peer-to-peer cash transactions. Among them, the note-issuing bank can be the central bank, or a note-issuing institution authorized by the central bank (such as the Hong Kong dollar issuance model). Which distribution method to choose depends on the actual situation.
在中央银行集中统一发行数字货币的环境下，商业银行银行库中的数字货币属于商业银行的资产，中央银行的负债；商业银行客户账户中的数字货币则属于客户的资产，中央银行的负债。客户之间点对点交易数字货币，由央行数字货币发行系统进行交易确认与管理(如图2所示)，央行承担交易责任；交易电子货币，则和现有流程一致，通过央行跨行支付系统、商业银行核心业务系统完成。In an environment where the central bank centrally and uniformly issues digital currency, the digital currency in the bank library of the commercial bank belongs to the asset of the commercial bank and the liability of the central bank; the digital currency in the customer account of the commercial bank belongs to the asset of the customer and the liability of the central bank. Point-to-point digital currency transactions between customers are confirmed and managed by the central bank's digital currency issuance system (as shown in Figure 2), and the central bank assumes transaction responsibilities; electronic currency transactions are consistent with the existing process, through the central bank's inter-bank payment system, commercial The core business system of the bank was completed.
图3是根据本发明实施方式的一种通过银行账户访问认证的数字货币钱包支付的方法的主要流程示意图，如图3所示，应用于账户行，所述通过银行账户访问认证的数字货币钱包支付的方法包括：Fig. 3 is a schematic diagram of the main flow of a method for accessing and authenticating a digital currency wallet payment through a bank account according to an embodiment of the present invention. Payment methods include:
步骤S101，接收数字货币钱包的支付请求。Step S101, receiving a payment request from a digital currency wallet.
其中，所述的数字货币钱包支付请求中包括：用户标识、发起方数字货币钱包标识、支付金额、接收方数字货币钱包标识和用户的数字签名。Wherein, the digital currency wallet payment request includes: user identification, initiator digital currency wallet identification, payment amount, recipient digital currency wallet identification and user's digital signature.
值得说明的是，所述的用户可以是个人用户也可以是企业用户。It should be noted that the said user may be an individual user or an enterprise user.
步骤S102，获取用户输入的对支付请求的银行账户CA证书数字签名，认证后授权访问所述银行账号绑定的数字货币钱包，以生成数字货币转移请求。Step S102, obtain the digital signature of the bank account CA certificate input 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.
在实施例中，银行账户可以绑定数字货币钱包(如图4所示)。这种绑定通过在银行账户中存放数字货币钱包ID(如图5所示，数字货币钱包简称为“钱包”)，同时在数字货币钱包中也保存了关联的银行账户ID。银行账户绑定钱包后，通过银行账户的CA证书可以访问数字货币钱包，但通过数字货币钱包CA证书不可以访问银行账户，数字货币钱包的兑换是通过绑定的银行账户进行。In an embodiment, the bank account can be bound to a digital currency wallet (as shown in FIG. 4 ). This binding is done by storing 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 the associated bank account ID is also saved 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, and the exchange of the digital currency wallet is performed through the bound bank account.
其中，用户开立的账户行数字货币钱包，通过账户行银行账户CA证书进行认证，并基于现有的银行账户开立。数字货币钱包跟银行账户一样是强实名认证。通过银行账户认证方式开通的数字货币钱包，银行账户与数字货币钱包进行绑定，该银行账户会标识该数字货币钱包的ID进而对应。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. Digital currency wallets are the same as bank accounts with strong real-name authentication. For 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 to it.
在一个较佳地实施例中，认证后授权访问所述银行账号绑定的数字货币钱包之前，可以通过验证用户银行账户CA证书的数字签名，且认证通过后授权访问所述银行账户，以及可以授权访问所述银行账户预先绑定的数字货币钱包。In a preferred embodiment, before authorizing access to the digital currency wallet bound to the bank account after authentication, the digital signature of the CA certificate of the user's bank account can be verified, and after the authentication is passed, access to the bank account can be authorized, and can Authorize access to a digital currency wallet pre-bound to said bank account.
进一步地，判断数字货币钱包支付请求中的发起方的数字货币钱包标识与所述预先绑定的数字货币钱包标识是否相同，若是则授权用户访问所述银行账户绑定的数字货币钱包，否则退出该流程。Further, it is judged whether the initiator’s digital currency wallet ID in the digital currency wallet payment request is the same as the pre-bound digital currency wallet ID, if so, authorize the user to access the digital currency wallet bound to the bank account, otherwise exit the process.
更进一步地，在授权用户访问所述银行账户绑定的数字货币钱包时，可以判断所述数字货币钱包支付请求中的支付金额是否小于或等于所述数字货币钱包中的数字货币总金额，若小于或等于则可以生成数字货币转移请求，否则退出该流程。Furthermore, when the authorized user accesses the digital currency wallet bound to the bank account, it may be determined whether the payment amount in the digital currency wallet payment request is less than or equal to the total amount of digital currency in the digital currency wallet, if If it is less than or equal to, a digital currency transfer request can be generated, otherwise exit the process.
另外，根据所述数字货币钱包的支付请求，生成数字货币转移请求。其中，所述的数字货币转移请求包括发起方用户信息、发起方数字货币钱包标识、接收方数字货币钱包标识、转移数字货币字串集、转移数字货币金额以及账户行的数字签名和用户的数字货币钱包CA证书数字签名。In addition, a digital currency transfer request is generated according to the payment request of the digital currency wallet. Wherein, the digital currency transfer request includes the sender user information, the sender’s digital currency wallet ID, the receiver’s digital currency wallet ID, the transferred digital currency string set, the transferred digital currency amount, the digital signature of the account line, and the user’s digital Currency wallet CA certificate digital signature.
需要说明的是，所述的转移数字货币金额就是发起方数字货币钱包需要支付给接收方数字货币钱包的金额。而所述的转移数字货币字串集则是发起方数字货币钱包中的所有数字货币，数字货币的存储是以一组字串集形式。数字货币字串中具有字段结构，通过字段结构来记录和携带数字货币的应用属性信息，利用数字货币的应用属性信息能够实现对数字货币资金流的控制和具体应用执行等功能，使得数字货币能够满足应用场景和增值服务的需要。优选地，数字货币字串中的字段结构可以配置为：每个字段能够分级，并且长度可变，字段数量也可以根据需求进行扩展。It should be noted that the amount of transferred digital currency is the amount that the sender's digital currency wallet needs to pay to the receiver's digital currency wallet. The transfer digital currency string set refers to all the digital currencies in the initiator's digital currency wallet, and the digital currency is stored in the form of a set of strings. 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. Using the application attribute information of the digital currency can realize functions such as controlling the flow of digital currency funds and executing specific applications, so that the digital currency can Meet the needs of application scenarios and value-added services. Preferably, the field structure in the digital currency string can be configured as follows: each field can be graded and has a variable length, and the number of fields can also be expanded according to requirements.
步骤S103，将所述数字货币转移请求发送至数字货币发钞行。Step S103, sending the digital currency transfer request to the digital currency note-issuing bank.
在实施例中，所述的发钞行一般为央行。发钞行接收数字货币转移请求后，将发起方的转移数字货币字串集中的来源币字串在系统中登记为作废状态，即标识为已经花费，然后生成去向币字串。也就是，支付成功结果包括：转移数字货币字串集中的数字货币金额减去转移数字货币金额后余额生成的数字货币去向币字串。In the embodiment, the note-issuing bank is generally the central bank. After the note-issuing bank receives the digital currency transfer request, it registers the source currency string in the transfer digital currency string set of the originator as invalid in the system, that is, it is marked as spent, and then generates the destination currency string. That is, the result of successful payment includes: the digital currency destination currency string generated by the balance after subtracting the transferred digital currency amount from the digital currency amount in the transferred digital currency string set.
另外，可以确定所述数字货币转移请求中的账户行数字签名(在发钞行预先存储有账户行的数字证书，可以将数字货币转移请求中的账户行数字签名通过预先存储的该账户行数字证书验证的结果进行比对，以确定所述数字货币转移请求中的账户行数字签名正确)和用户的数字货币钱包CA证书数字签名正确，然后便可以根据所述数字货币转移请求中的接收方数字货币钱包标识，向接收方数字货币钱包发送所述的转移数字货币金额的字串(接收方数字货币钱包便可以将所述转移数字货币金额进行记录)，并向发起方返回支付成功结果。可以看出，数字货币支付处理是由发钞行执行，而账户行只需接收支付结果并存储数字货币。In addition, the digital signature of the account line in the digital currency transfer request can be determined (the digital certificate of the account line is pre-stored in the note-issuing bank, and the digital signature of the account line in the digital currency transfer request can be passed through the pre-stored digital signature of the account line). 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 signature of the user's digital currency wallet CA certificate is correct, and then the receiver can be verified according to the digital currency transfer request. Digital currency wallet identification, send the string of the transferred digital currency amount to the recipient digital currency wallet (the recipient digital currency wallet can then record the transferred digital currency amount), and return the successful payment result to the initiator. It can be seen that the digital currency payment processing is performed by the note-issuing bank, while the account bank only needs to receive the payment result and store the digital currency.
进一步地，发钞行在根据所述数字货币转移请求执行支付之前，还可以先确定发起方用户信息和发起方数字货币钱包标识一致。另外，还可以确定接收方数字货币钱包的有效性。例如：对接收方数字货币钱包是否处于正常工作的状态。需要说明的是，当发起方用户信息和发起方数字货币钱包标识不一致或者接收方数字货币钱包的无效时，发钞行便会返回支付失败的信息。Further, before the note-issuing bank performs payment according to the digital currency transfer request, it may also first determine that the user information of the originator is consistent with the identity of the digital currency wallet of the originator. In addition, the validity of the receiver's digital currency wallet can also be determined. For example: check whether the receiver's digital currency wallet is in normal working condition. It should be noted that when the initiator's user information is inconsistent with the identity of the initiator's digital currency wallet or the recipient's digital currency wallet is invalid, the note-issuing bank will return payment failure information.
优选地，还可以对数字货币转移请求中的转移数字货币字串集中的数字货币金额是否大于或等于转移数字货币金额进行判断，当判断结果为大于或等于时则发钞行可以根据所述数字货币转移请求执行支付，当判断结果为小于时则发钞行可以返回支付失败的结果。Preferably, it is also possible to judge whether the amount of digital currency in the transfer digital currency string set in the digital currency transfer request is greater than or equal to the amount of digital currency transferred, and when the judgment result is greater than or equal to The currency transfer request executes the payment, and when the judgment result is less than, the note-issuing bank can return the result of payment failure.
步骤S104，接收带有发钞行数字签名的支付成功结果。Step S104, receiving the successful payment result with the digital signature of the issuing bank.
在实施例中，接收到支付成功结果后，将所述支付成功结果中的支付后发起方收到的按支付后余额生成的数字货币去向币记录在发起方数字货币钱包中。进一步地，可以向用户返回所述支付成功结果。In an embodiment, after receiving the successful payment result, the digital currency whereabouts currency generated by the payment balance 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.
值得说明的是，在本发明的实施例中的发起方账户行和接收方账户行可以是同一个账户行，也可以是不同账户行。It is worth noting that, in the embodiment of the present invention, the initiator account line and the receiver account line may be the same account line, or may be different account lines.
从上面的实施例中，可以看出本发明实现的当用户具有一个账户的CA证书时，便可以对该账户绑定的数字货币钱包进行支付操作。From the above embodiments, it can be seen that when the user has a CA certificate of an account, the present invention can perform payment operations on the digital currency wallet bound to the account.
图6是根据本发明可参考实施方式中通过银行账户实现数字货币钱包支付的方法的主要流程示意图，所述通过银行账户实现数字货币钱包支付的方法，应用于账户行，可以包括：Figure 6 is a schematic diagram of the main flow of a method for realizing digital currency wallet payment through a bank account according to a reference embodiment of the present invention. The method for realizing digital currency wallet payment through a bank account is applied to an account bank and may include:
步骤S201，接收数字货币钱包的支付请求。其中，所述的数字货币钱包支付请求中包括：用户标识、发起方数字货币钱包标识、支付金额、接收方数字货币钱包标识和用户的数字签名。Step S201, receiving a payment request from a digital currency wallet. Wherein, the digital currency wallet payment request includes: user identification, initiator digital currency wallet identification, payment amount, recipient digital currency wallet identification and user's digital signature.
步骤S202，获取用户输入的对支付请求的银行账户CA证书数字签名。Step S202, acquiring the bank account CA certificate digital signature of the payment request input by the user.
步骤S203，判断所述银行账户CA证书是否正确，若正确则进行步骤S204，否则退出该流程。Step S203, judging whether the bank account CA certificate is correct, if correct, proceed to step S204, otherwise exit the process.
步骤S204，授权访问所述银行账户，获取所述银行账户预先绑定的数字货币钱包标识。Step S204, authorize access to the bank account, and acquire the digital currency wallet ID pre-bound with the bank account.
步骤S205，判断数字货币钱包支付请求中的发起方数字货币钱包标识与所述预先绑定的数字货币钱包标识是否相同，若是则进行步骤S206，否则退出该流程。Step S205, judging whether the digital currency wallet identifier of the originator in the digital currency wallet payment request is the same as the pre-bound digital currency wallet identifier, if so, proceed to step S206, otherwise exit the process.
步骤S206，授权访问所述银行账户预先绑定的数字货币钱包。Step S206, authorizing access to the digital currency wallet pre-bound with the bank account.
步骤S207，判断所述数字货币钱包支付请求中的支付金额是否小于或等于所述数字货币钱包中的数字货币，若是则进行步骤S208，否则退出该流程。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, proceed to step S208, otherwise exit the process.
步骤S208，根据所述数字货币钱包的支付请求，生成数字货币转移请求。Step S208, generating a digital currency transfer request according to the payment request of the digital currency wallet.
其中，所述的数字货币转移请求包括发起方用户信息、发起方数字货币钱包标识、接收方数字货币钱包标识、转移数字货币字串集、转移数字货币金额以及账户行的数字签名和用户的数字货币钱包CA证书数字签名。Wherein, the digital currency transfer request includes the sender user information, the sender’s digital currency wallet ID, the receiver’s digital currency wallet ID, the transferred digital currency string set, the transferred digital currency amount, the digital signature of the account line, and the user’s digital Currency wallet CA certificate digital signature.
步骤S209，将所述数字货币转移请求发送至数字货币发钞行。Step S209, sending the digital currency transfer request to the digital currency note-issuing bank.
在实施例中，所述的发钞行一般为央行。发钞行接收数字货币转移请求后，将发起方的转移数字货币字串集中的来源币字串在系统中登记为作废状态，即标识为已经花费，然后生成去向币字串。也就是，支付成功结果包括：转移数字货币字串集中的数字货币金额减去转移数字货币金额后余额生成的数字货币去向币字串。In the embodiment, the note-issuing bank is generally the central bank. After the note-issuing bank receives the digital currency transfer request, it registers the source currency string in the transfer digital currency string set of the originator as invalid in the system, that is, it is marked as spent, and then generates the destination currency string. That is, the result of successful payment includes: the digital currency destination currency string generated by the balance after subtracting the transferred digital currency amount from the digital currency amount in the transferred digital currency string set.
另外，可以确定所述数字货币转移请求中的账户行数字签名(在发钞行预先存储有账户行的数字证书，可以将数字货币转移请求中的账户行数字签名通过预先存储的该账户行数字证书验证的结果进行比对，以确定所述数字货币转移请求中的账户行数字签名正确)和用户的数字货币钱包CA证书数字签名正确，然后便可以根据所述数字货币转移请求中的接收方数字货币钱包标识，向接收方数字货币钱包发送所述的转移数字货币金额的字串(接收方数字货币钱包便可以将所述转移数字货币金额进行记录)，并向发起方返回支付成功结果。可以看出，数字货币支付处理是由发钞行执行，而账户行只需接收支付结果并存储数字货币。In addition, the digital signature of the account line in the digital currency transfer request can be determined (the digital certificate of the account line is pre-stored in the note-issuing bank, and the digital signature of the account line in the digital currency transfer request can be passed through the pre-stored digital signature of the account line). 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 signature of the user's digital currency wallet CA certificate is correct, and then the receiver can be verified according to the digital currency transfer request. Digital currency wallet identification, send the string of the transferred digital currency amount to the recipient digital currency wallet (the recipient digital currency wallet can then record the transferred digital currency amount), and return the successful payment result to the initiator. It can be seen that the digital currency payment processing is performed by the note-issuing bank, while the account bank only needs to receive the payment result and store the digital currency.
进一步地，发钞行在根据所述数字货币转移请求执行支付之前，还可以先确定发起方用户信息和发起方数字货币钱包标识一致。另外，还可以确定接收方数字货币钱包的有效性。例如：对接收方数字货币钱包是否处于正常工作的状态。需要说明的是，当发起方用户信息和发起方数字货币钱包标识不一致或者接收方数字货币钱包的无效时，发钞行便会返回支付失败的信息。Further, before the note-issuing bank performs payment according to the digital currency transfer request, it may also first determine that the user information of the originator is consistent with the identity of the digital currency wallet of the originator. In addition, the validity of the receiver's digital currency wallet can also be determined. For example: check whether the receiver's digital currency wallet is in normal working condition. It should be noted that when the initiator's user information is inconsistent with the identity of the initiator's digital currency wallet or the recipient's digital currency wallet is invalid, the note-issuing bank will return payment failure information.
优选地，还可以对数字货币转移请求中的转移数字货币字串集中的数字货币金额是否大于或等于转移数字货币金额进行判断，当判断结果为大于或等于时则发钞行可以根据所述数字货币转移请求执行支付，当判断结果为小于时则发钞行可以返回支付失败的结果。Preferably, it is also possible to judge whether the amount of digital currency in the transfer digital currency string set in the digital currency transfer request is greater than or equal to the amount of digital currency transferred, and when the judgment result is greater than or equal to The currency transfer request executes the payment, and when the judgment result is less than, the note-issuing bank can return the result of payment failure.
步骤S210，接收带有发钞行数字签名的支付成功结果。Step S210, receiving the successful payment result with the digital signature of the issuing bank.
其中，接收到支付成功结果后，将所述支付成功结果中的支付后发起方收到的按支付后余额生成的数字货币去向币记录在发起方数字货币钱包中。Wherein, after receiving the successful payment result, record the digital currency whereabouts currency generated according to the balance after payment received by the initiator after payment in the successful payment result in the initiator's digital currency wallet.
步骤S211，向用户返回支付成功结果。Step S211, return the payment success result to the user.
需要说明的是，在本发明可参考实施例中所述通过银行账户实现数字货币钱包支付的方法的具体实施内容，在上面所述通过银行账户实现数字货币钱包支付的方法中已经详细说明了，故在此重复内容不再说明。It should be noted that the specific implementation content of the method for realizing digital currency wallet payment through a bank account in the embodiments of the present invention can be referred to, which has been described in detail in the above-mentioned method for realizing digital currency wallet payment through a bank account. Therefore, the content will not be repeated here.
在本发明实施例的另一方面，还给出了一种通过银行账户访问认证的数字货币钱包支付的系统，参阅图7所示，所述通过银行账户访问认证的数字货币钱包支付的系统300包括账户行用户访问系统301、账户行数字货币系统302以及账户行银行账户访问认证系统303。其中，账户行用户访问系统301接收数字货币钱包的支付请求，和调用账户行银行账户访问认证系统303来验证用户支付请求的中包含的银行账户CA证书的数字签名。而账户行数字货币系统302则根据所述支付请求，以生成数字货币转移请求，然后将所述数字货币转移请求发送至数字货币发钞行；同时，账户行数字货币系统302还可以接收带有发钞行数字签名的支付成功结果。In another aspect of the embodiment of the present invention, a system 300 for accessing and authenticating a digital currency wallet payment through a bank account is also provided, as shown in FIG. 7 . It includes account bank user access system 301, account bank digital currency system 302, and account bank bank account access authentication system 303. Among them, the account bank user access system 301 receives the payment request of 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 line 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 note issuing bank; The payment success result of the digital signature of the issuing bank.
较佳地，账户行数字货币系统302可以判断所述数字货币钱包支付请求中的支付金额是否小于或等于所述数字货币钱包中的数字货币，若小于或等于则生成数字货币转移请求，否则不予执行。Preferably, the account bank digital currency system 302 can judge 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 less than or equal to generate a digital currency transfer request, otherwise not be implemented.
作为另一个较佳地实施例，如图8所示，所述通过银行账户实现数字货币钱包支付的系统300还包括账户行应用系统304。其中，所述账户行应用系统304可以通过认证后的银行账户CA证书数字签名授权访问所述银行账户；以及授权访问所述银行账户预先绑定的数字货币钱包。As another preferred embodiment, as shown in FIG. 8 , the system 300 for implementing digital currency wallet payment through a bank account further includes an account bank application system 304 . Wherein, the account bank application system 304 can authorize access to the bank account through the digital signature of the authenticated bank account CA certificate; and authorize access to the digital currency wallet pre-bound with the bank account.
进一步地，账户行应用系统304能够确认所述数字货币钱包支付请求中的发起方数字货币钱包标识与所述授权访问所述银行账户预先绑定的数字货币钱包标识相同。Further, the account bank application system 304 can confirm that the digital currency wallet ID of the originator in the digital currency wallet payment request is the same as the digital currency wallet ID pre-bound with the authorization to access the bank account.
另外，账户行数字货币系统302根据所述数字货币钱包的支付请求，生成数字货币转移请求之前，需要确认所述数字货币钱包支付请求中的支付金额小于或等于所述数字货币钱包中的数字货币总金额。其中，所述的数字货币转移请求包括发起方用户信息、发起方数字货币钱包标识、接收方数字货币钱包标识、转移数字货币字串集、转移数字货币金额以及账户行的数字签名和用户的数字货币钱包CA证书数字签名。In addition, the account line 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 a digital currency transfer request according to the payment request of the digital currency wallet. total amount. Wherein, the digital currency transfer request includes the sender user information, the sender’s digital currency wallet ID, the receiver’s digital currency wallet ID, the transferred digital currency string set, the transferred digital currency amount, the digital signature of the account line, and the user’s digital Currency wallet CA certificate digital signature.
在另一个实施例中，账户行数字货币系统302接收到支付成功结果后，将所述支付成功结果中的支付后发起方收到的按支付后余额生成的数字货币去向币记录在发起方数字货币钱包中。进一步地，账户行数字货币系统302依次通过账户行应用系统303和账户行用户访问系统301可以向用户返回所述支付成功结果。In another embodiment, after the digital currency system 302 of the account line receives the result of successful payment, it records in the digital currency of the initiator received by the initiator after payment and generated according to the balance after payment in the initiator's digital currency. currency wallet. Further, the account bank digital currency system 302 can return the payment success result to the user through the account bank application system 303 and the account bank user access system 301 in sequence.
需要说明的是，在本发明所述通过银行账户访问认证的数字货币钱包支付的系统的具体实施内容，在上面所述通过银行账户访问认证的数字货币钱包支付的方法中已经详细说明了，故在此重复内容不再说明。It should be noted that the specific implementation content of the system for accessing and authenticating digital currency wallet payment through bank accounts in the present invention has been described in detail in the above-mentioned method for accessing and authenticating digital currency wallet payments through bank accounts, so The repeated content will not be explained here.
根据本发明实施方式的技术方案，采用数字货币钱包依托在账户行下，用户通过账户行实现数字货币钱包支付的技术手段，进而达到了灵活、快速地数字货币钱包支付的技术效果。According to the technical solution of the embodiment of the present invention, the digital currency wallet is relied on 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.
上述具体实施方式，并不构成对本发明保护范围的限制。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。任何在本发明的精神和原则之内所作的修改、等同替换和改进等，均应包含在本发明保护范围之内。The above specific implementation methods do not constitute a limitation to the protection scope of the present invention. It should be apparent to 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 principles of the present invention shall be included within the protection scope of the present invention.
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710494152.5ACN107358436B (en) | 2017-06-26 | 2017-06-26 | Method and system for accessing authenticated digital currency wallet payment through bank account |
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201710494152.5ACN107358436B (en) | 2017-06-26 | 2017-06-26 | Method and system for accessing authenticated digital currency wallet payment through bank account |
| Publication Number | Publication Date |
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| CN107358436Atrue CN107358436A (en) | 2017-11-17 |
| CN107358436B CN107358436B (en) | 2020-12-29 |
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| CN201710494152.5AActiveCN107358436B (en) | 2017-06-26 | 2017-06-26 | Method and system for accessing authenticated digital currency wallet payment through bank account |
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