CN107369019A - The solution binding method and system of digital cash wallet - Google Patents

Abstract

The embodiment of the invention discloses a digital currency wallet unbinding method and system, which relate to the field of computer technology. Among them, the method of the embodiment of the present invention includes: after receiving the wallet unbinding request submitted by the user, sending a bank wallet access authentication entry request to the user; receiving the bank wallet access authentication element submitted by the user, and according to the bank wallet The access authentication element performs identity authentication on the user; if the user identity authentication is passed, the binding relationship between the user's digital currency application wallet and the bank wallet is released. Through the above steps, the unbinding function of the digital currency application wallet and the digital currency bank wallet can be realized conveniently and safely.

Description

Unbinding method and system for digital currency wallet

technical field

The invention relates to the field of computer technology, in particular to a method and system for unbinding a digital currency wallet.

Background technique

Whether digital currency can play its role, technical routes, risk prevention and control measures, and security measures are the foundation, but application is the key. Only an easy-to-use legal digital currency that is accepted by the public and the market has vitality and can truly complement traditional currencies.

Although a pure digital currency system may not be associated with a bank account, since my country's currency issuance follows the dual system of "central bank-commercial bank", and the current social and economic activities are mainly carried out based on the commercial bank account system, if the bank account can be used to System, making full use of the bank's existing mature IT infrastructure and application services, will greatly reduce the promotion threshold of digital currency, and improve the convenience and flexibility of digital currency use.

The most straightforward way to manage digital currency with the help of an account system is to expand the scope of access to the central bank's balance sheet. Indeed, the central bank claims held by commercial banks and some other financial institutions in the form of central bank deposits have been digitized. However, this is likely to trigger the transfer of deposits from commercial banks to the central bank, resulting in the narrowing of the entire banking system and becoming a "narrow bank".

How to manage digital currency with the help of the existing bank account system to maximize the protection of commercial banks' existing system investment and reduce the possibility of "narrow banking" has no effective solution.

In view of this, the inventor of the present invention proposed the design concept of "introducing digital currency wallets under the traditional account system of commercial banks", and based on this, proposed various business implementation processes and system frameworks related to digital currency wallets.

Contents of the invention

The embodiment of the present invention proposes a digital currency wallet unbinding method and system, so as to effectively expand the function of the digital currency wallet with the help of the bank account system, and realize the unbinding of the digital currency application wallet and the digital currency bank wallet conveniently and safely. Unbind function.

To achieve the above purpose, according to an aspect of the embodiments of the present invention, a method for unbinding a digital currency wallet is provided.

The method for unbinding a digital currency wallet in an embodiment of the present invention includes: after receiving a wallet unbinding request submitted by a user, sending a bank wallet access authentication entry request to the user; receiving the bank wallet access authentication element submitted by the user, and Perform identity authentication on the user according to the bank wallet access authentication elements; if the user identity authentication is passed, release the binding relationship between the user's digital currency application wallet and the bank wallet.

Optionally, the step of releasing the binding relationship between the user's digital currency application wallet and the bank wallet includes: deleting the binding relationship between the user's digital currency application wallet and the bank wallet or marking the binding relationship as invalid state.

Optionally, the binding relationship between the user's digital currency application wallet and the bank wallet includes: a corresponding relationship between the information of the application wallet and the information of the bank wallet.

Optionally, before the step of sending a bank wallet access authentication entry request to the user, the method further includes: confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request.

Optionally, the wallet unbinding request includes the application wallet service provider authentication information and the application wallet service provider digital signature; the step of confirming that the identity of the application wallet service provider is correct according to the wallet unbinding request includes: confirming that the The authentication information of the application wallet service provider and the digital signature of the application wallet service provider are correct.

Optionally, the step of releasing the binding relationship between the user's digital currency application wallet and the bank wallet includes: searching for the binding relationship between the user's application wallet and the bank wallet, and then sending the binding relationship to the The user; according to the wallet unbinding confirmation information submitted by the user, unbind the user's digital currency application wallet and bank wallet.

To achieve the above object, according to another aspect of the embodiments of the present invention, a digital currency wallet unbinding system is provided.

The unbinding system of the digital currency wallet in the embodiment of the present invention includes: a user access module, which is used to send a bank wallet access authentication entry request to the user after receiving the wallet unbinding request submitted by the user; a bank wallet access authentication module , for receiving the bank wallet access authentication element submitted by the user, and performing identity authentication on the user according to the bank wallet access authentication element; and, when the user identity authentication is passed, the bank wallet access authentication module also uses Yu: Unbinding the user's digital currency application wallet and bank wallet.

Optionally, the bank wallet access authentication module releases the binding relationship between the user's digital currency application wallet and the bank wallet, including: the bank wallet access authentication module combines the user's digital currency application wallet with the bank wallet The binding relationship is deleted or the binding relationship is marked as invalid.

Optionally, the binding relationship between the user's digital currency application wallet and the bank wallet includes: a corresponding relationship between the information of the application wallet and the information of the bank wallet.

Optionally, the system further includes: a service provider authentication module; before the user access module sends a bank wallet access authentication entry request to the user, the service provider authentication module is used to confirm according to the wallet unbinding request The identity of the application wallet service provider is correct.

Optionally, the wallet unbinding request includes the application wallet service provider authentication information and the application wallet service provider digital signature; the service provider authentication module confirms that the identity of the application wallet service provider is correct according to the wallet unbinding request, Including: the service provider authentication module confirms that the application wallet service provider authentication information and the digital signature of the application wallet service provider are correct.

Optionally, the bank wallet access authentication module releases the binding relationship between the user's digital currency application wallet and the bank wallet, including: the bank wallet access authentication module searches for the binding between the user's application wallet and the bank wallet relationship, and then send the binding relationship to the user through the user access module; the bank wallet access authentication module applies wallet and digital currency to the user according to the wallet unbinding confirmation information submitted by the user The binding relationship of the bank wallet is released.

To achieve the above purpose, according to still another aspect of the embodiments of the present invention, a computer-readable storage medium is provided.

Computer instructions are stored in the computer-readable storage medium in the embodiment of the present invention, and the computer instructions can be executed by a computer or a computer system, so that the computer or computer system can execute the method for unbinding a digital currency wallet in an embodiment of the present invention .

An embodiment of the above invention has the following advantages or beneficial effects: In the embodiment of the present invention, by receiving the wallet unbinding request, the bank wallet access authentication entry request is sent to the user, and the user is authenticated according to the bank wallet access authentication element submitted by the user. Perform identity authentication, and after the user identity authentication is passed, unbind the digital currency application wallet and the bank wallet and other steps, so that the user can easily and safely realize the unbinding of the digital currency application wallet and the digital currency bank wallet. Further, by expanding the unbinding application scenario process of the digital currency wallet, it is convenient to combine the traditional bank account system with the digital currency system, greatly improving the convenience and flexibility of digital currency use, and lowering the threshold for digital currency promotion.

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

Description of drawings

The accompanying drawings are used to better understand the present invention, and do not constitute improper limitations to the present invention. in:

Fig. 1 is a schematic diagram of the association between a bank account and a digital currency bank wallet according to an embodiment of the present invention;

Fig. 2 is a schematic flow chart of a method for unbinding a digital currency wallet according to an embodiment of the present invention;

Fig. 3 is a schematic flowchart of a method for unbinding a digital currency wallet according to another embodiment of the present invention;

Fig. 4 is a schematic diagram of main modules of an unbinding system of a digital currency wallet according to an embodiment of the present invention;

Fig. 5 is a schematic diagram of main modules of a digital currency wallet unbinding system according to another embodiment of the present invention.

detailed description

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.

It should be noted that, in the case of no conflict, the embodiments of the present invention and the features in the embodiments can be combined with each other.

Before introducing in detail the method and system for unbinding digital currency application wallets and bank wallets in the embodiments of the present invention, the digital currency and digital currency wallets designed in the embodiments of the present invention will be described first.

Digital currency is an encrypted string that includes: currency amount, issuer ID, and owner ID. From a general point of view, digital currency can be stored through a digital currency safe deposit box. Among them, the digital currency wallet is the digital currency safe deposit box for enterprises and individuals, and the digital currency bank library is the digital currency safe deposit box for commercial banks.

Digital currency wallets can be divided into digital currency bank wallets (hereinafter referred to as "bank wallets") and digital currency application wallets (hereinafter referred to as "application wallets"). Among them, the bank wallet is a digital currency wallet based on bank account expansion provided by the bank entity, which can provide digital currency custody, exchange, payment and other services for enterprises and individuals.

Fig. 1 is a schematic diagram of the association between a bank account and a digital currency bank wallet according to an embodiment of the present invention. As shown in Figure 1, a bank account can be associated with a bank wallet (or called "binding"). Holds the ID of the bank account associated with it. In this way, the bank wallet can realize effective management of digital currency without breaking away from the existing bank account system.

Application wallets are digital currency wallets provided by non-bank entities (hereinafter referred to as "application wallet service providers"), which can provide businesses and individuals with various application scenarios (such as financial services, e-commerce, and other Internet application scenarios) digital currency application services. After the application wallet is authorized by the user, it can be bound to the bank wallet, so that functions such as calling the bank wallet interface and accessing the bank wallet can be realized through the application wallet.

Fig. 2 is a schematic flowchart of a method for unbinding a digital currency wallet according to an embodiment of the present invention. As shown in Figure 2, the unbinding method in this embodiment mainly includes the following steps:

Step S201. After receiving the wallet unbinding request submitted by the user, the account bank sends a bank wallet access authentication entry request to the user.

In the embodiment of the present invention, the wallet unbinding request may include: wallet information of the application to be unbound, and user real-name authentication information. Wherein, the application wallet information to be unbound may include information such as application wallet identification and bank wallet identification; user real-name authentication information may include user name, ID number, mobile phone number and other information. After receiving the user's wallet unbinding request, the account bank can send the bank wallet access authentication entry request to the user through SMS, WeChat, QQ or other communication methods. For example, the bank wallet access authentication entry request sent in the form of a short message may include: a prompt to unbind the wallet, and a link to the bank wallet access page. The user clicks the link to enter the bank wallet access page, and then submits the bank wallet access authentication elements.

Step S202, the account bank receives the bank wallet access authentication element submitted by the user, and performs identity authentication on the user according to the bank wallet access authentication element.

Wherein, the bank wallet access authentication elements may include: a bank wallet login name, and a key corresponding to the bank wallet login name. The key can be a symmetric key or an asymmetric key. During specific implementation, the user can access the authentication page in a separate bank wallet (such as the bank wallet APP on the mobile phone, the bank wallet web page on the computer) through a USB flash drive or manually enter the login name and key of the bank wallet, and then the account will be verified by the bank. Wallet login name, key for verification. If the verification is passed, go to step S203. In this way, by authenticating a separate bank wallet login number and key, instead of authenticating the user's existing bank card number and key bound to the bank wallet, the wallet unbinding process is safer.

Step S203, if the user identity authentication is passed, the account bank releases the binding relationship between the user's digital currency application wallet and the bank wallet.

In a preferred implementation of the embodiment of the present invention, releasing the binding relationship between the application wallet and the bank wallet includes: deleting the binding relationship between the user's digital currency application wallet and the bank wallet or marking the binding relationship is invalid. Wherein, the binding relationship between the application wallet and the bank wallet includes: the corresponding relationship between the information of the application wallet and the information of the bank wallet. For example, in one embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relationship between the application wallet CA certificate and the bank wallet ID. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relationship between the application wallet CA certificate, the application wallet ID, and the bank wallet ID. Or, in yet another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relationship between the application wallet ID and the bank wallet ID.

According to the embodiment of the present invention, by receiving the wallet unbinding request, a bank wallet access authentication entry request is sent to the user, and the user is authenticated according to the bank wallet access authentication elements submitted by the user, and after the user identity authentication is passed, the digital currency is released. Steps such as the binding relationship between the application wallet and the bank wallet can enable users to unbind the digital currency application wallet and the digital currency bank wallet conveniently and safely.

Fig. 3 is a schematic flowchart of a method for unbinding a digital currency wallet according to another embodiment of the present invention. As shown in Figure 3, the unbinding method in this embodiment mainly includes the following steps:

Step S301, the user sends a wallet unbinding request to the account bank.

During specific implementation, the user can initiate a wallet unbinding request to the account bank based on the application wallet system. Wherein, the wallet unbinding request may include: application wallet service provider authentication information, application wallet service provider digital signature, user real-name authentication information, application wallet information to be unbound, and the like.

Step S302, the account bank performs identity authentication on the application wallet service provider according to the wallet unbinding request.

Specifically, this step includes: authenticating the authentication information of the application wallet service provider and the digital signature of the application wallet service provider. For example, the service provider's digital signature can be decrypted according to the certificate public key agreed between the service provider and the account bank to obtain the plaintext of the digital signature content; then the hash operation is performed on the authentication information of the application wallet service provider, and then the operation result is combined with the digital signature Compare the plaintext content. If the two are consistent, the authentication passes; otherwise, the authentication fails.

Step S303, if the identity authentication of the service provider is passed, send a bank wallet access authentication entry request to the user.

For example, the account bank can send a bank wallet access authentication entry request to the user through SMS, WeChat, QQ or other communication methods. Wherein, the bank wallet access authentication entry request may include: a bank wallet access page link.

Step S304, the user submits the bank wallet access authentication elements to the account bank.

Wherein, the bank wallet access authentication elements may include: a bank wallet login name, and a key corresponding to the bank wallet login name. The key can be a symmetric key or an asymmetric key. During specific implementation, the user can enter the login name and key of the bank wallet through a U disk or manually on the bank wallet access authentication page.

Step S305, the account bank authenticates the identity of the user according to the bank wallet access authentication elements. If the user identity authentication is passed, go to step S306; if the user identity authentication is not passed, the "identity authentication failure prompt page" may be returned to the user.

Step S306, if the user identity authentication is passed, the account bank searches for the user's wallet binding relationship. Wherein, the wallet binding relationship includes: a corresponding relationship between the information of the application wallet and the information of the bank wallet. During specific implementation, the account bank can search for the user's wallet binding relationship according to the application wallet identification in the wallet unbinding request, or the bank wallet login number submitted by the user.

Step S307, the account bank sends the wallet binding relationship to the user.

Step S308, the user sends wallet unbinding confirmation information to the account bank.

Step S309, the account bank releases the binding relationship between the application wallet and the bank wallet according to the unbinding confirmation information. In a preferred embodiment, releasing the binding relationship between the user's digital currency application wallet and the bank wallet includes: deleting the binding relationship between the user's digital currency application wallet and the bank wallet or the binding relationship Marked as invalid. Wherein, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the corresponding relationship between the information of the application wallet and the information of the bank wallet.

Step S310, the account bank sends a wallet unbinding success receipt to the user. During specific implementation, the account bank can return a successful unbinding receipt to the user through the application wallet system or the bank wallet access page.

According to the embodiment of the present invention, the security of unbinding the wallet is further improved by performing double authentication on the identities of the service provider and the user. Through the above process, users can easily and safely realize the unbinding of digital currency application wallets and digital currency bank wallets. Further, by expanding the unbinding application scenario process of the digital currency wallet, it is convenient to combine the traditional bank account system with the digital currency system, greatly improving the convenience and flexibility of digital currency use, and lowering the threshold for digital currency promotion.

Fig. 4 is a schematic diagram of main modules of a digital currency wallet unbinding system according to an embodiment of the present invention. As shown in FIG. 4 , the unbinding system 400 in this embodiment mainly includes: a user access module 401 and a bank wallet access authentication module 402 .

The user access module 401 is configured to send a bank wallet access authentication entry request to the user after receiving the wallet unbinding request submitted by the user.

In the embodiment of the present invention, the wallet unbinding request received by the user access module 401 may include: wallet information of the application to be unbound, and user real-name authentication information. Wherein, the application wallet information to be unbound may include information such as application wallet identification and bank wallet identification; user real-name authentication information may include user name, ID number, mobile phone number and other information. After receiving the user's wallet unbinding request, the user access module 401 can send a bank wallet access authentication entry request to the user through SMS, WeChat, QQ or other communication methods. For example, the bank wallet access authentication entry request sent in the form of a short message may include: a prompt to unbind the wallet, and a link to the bank wallet access page. The user clicks the link to enter the bank wallet access page, and then submits the bank wallet access authentication elements.

The user access module 401 is also configured to receive the bank wallet access authentication element submitted by the user, and transmit the bank wallet access authentication element to the bank wallet access authentication module 402 .

In the embodiment of the present invention, the bank wallet access authentication elements submitted by the user may include: a bank wallet registration number and a key corresponding to the bank wallet registration number. The key can be a symmetric key or an asymmetric key. During specific implementation, the user can enter the bank wallet login number and key through a USB flash drive or manually on the bank wallet access authentication page. After receiving the bank wallet login number and key, the user access module will pass it to the bank wallet access Authentication module 402 .

The bank wallet access authentication module 402 is configured to receive the bank wallet access authentication elements submitted by the user, and perform identity authentication on the user according to the bank wallet access authentication elements. For example, when the bank wallet access authentication elements are the bank wallet registration number and the key corresponding to the bank wallet registration number, the bank wallet access authentication module 402 verifies the bank wallet registration number and the key.

The bank wallet access authentication module 402 is also used to: release the binding relationship between the user's digital currency application wallet and the bank wallet if the user identity authentication is passed.

Specifically, the bank wallet access authentication module 402 can take the following preferred implementation manner to release the binding relationship: the bank wallet access authentication module 402 deletes the binding relationship between the user's digital currency application wallet and the bank wallet or deletes the binding relationship Marked as invalid. Wherein, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the corresponding relationship between the information of the application wallet and the information of the bank wallet. For example, in one embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relationship between the application wallet CA certificate and the bank wallet ID. Or, in another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relationship between the application wallet CA certificate, the application wallet ID, and the bank wallet ID. Or, in yet another embodiment, the binding relationship between the application wallet and the bank wallet is: the corresponding relationship between the application wallet ID and the bank wallet ID.

According to the embodiment of the present invention, the wallet unbinding request is received by the user access module, the bank wallet access authentication entry request is sent to the user, the user is authenticated by the bank wallet access authentication module, and the digital currency is released after the user identity authentication is passed. The binding relationship between the application wallet and the bank wallet enables users to unbind the digital currency application wallet and the digital currency bank wallet conveniently and safely.

Fig. 5 is a schematic diagram of main modules of a digital currency wallet unbinding system according to another embodiment of the present invention. As shown in FIG. 5 , the unbinding system 500 in this embodiment mainly includes: a user access module 501 , a service provider authentication module 502 , and a bank wallet access authentication module 503 .

The user access module 501 is configured to receive a wallet unbinding request submitted by a user. In a preferred implementation of the embodiment of the present invention, the wallet unbinding request received by the user access module 501 may include: application wallet service provider authentication information, application wallet service provider digital signature, user real-name authentication information, application to be unbound Wallet information, etc.

The service provider authentication module 502 is configured to authenticate the identity of the application wallet service provider according to the wallet unbinding request. For example, when the wallet unbinding request includes the authentication information of the application wallet service provider and the digital signature of the application wallet service provider, the authentication of the identity of the application wallet service provider by the service provider authentication module 502 includes: Service provider's digital signature for authentication. For example, the service provider's digital signature can be decrypted according to the certificate public key agreed between the service provider and the account bank to obtain the plaintext of the digital signature content; then the hash operation is performed on the authentication information of the application wallet service provider, and then the operation result is combined with the digital signature Compare the plaintext content. If the two are consistent, the authentication passes; otherwise, the authentication fails.

The user access module 501 is further configured to send a bank wallet access authentication entry request to the user after the service provider authentication module 502 confirms that the identity of the application wallet service provider is correct. For example, the user access module 501 can send a bank wallet access authentication entry request to the user through SMS, WeChat, QQ or other communication methods. Wherein, the bank wallet access authentication entry request may include: a bank wallet access page link.

The user access module 501 is also configured to receive the bank wallet access authentication elements submitted by the user, and transmit the bank wallet access authentication elements to the bank wallet access authentication module 503 .

In the embodiment of the present invention, the bank wallet access authentication elements submitted by the user may include: a bank wallet registration number and a key corresponding to the bank wallet registration number. The key can be a symmetric key or an asymmetric key. During specific implementation, the user can enter the bank wallet login number and key through the U disk or manually on the bank wallet access authentication page, and the user access module 501 will pass it to the bank wallet after receiving the bank wallet login number and key. Access authentication module 503 .

The bank wallet access authentication module 503 is configured to receive the bank wallet access authentication elements submitted by the user, and perform identity authentication on the user according to the bank wallet access authentication elements. The bank wallet access authentication module 503 is also used to: release the binding relationship between the user's digital currency application wallet and the bank wallet if the user identity authentication is passed.

In the embodiment of the present invention, the bank wallet access authentication module 503 releases the binding relationship, including: the bank wallet access authentication module 503 searches for the binding relationship between the user's application wallet and the bank wallet, and then passes the binding relationship through The user access module 501 sends it to the user; the bank wallet access authentication module 503 releases the binding relationship between the user's digital currency application wallet and the bank wallet according to the wallet unbinding confirmation information submitted by the user.

Among them, the bank wallet access authentication module 503 can take the following preferred implementation manner to release the binding relationship: the bank wallet access authentication module 503 deletes the binding relationship between the user's digital currency application wallet and the bank wallet or marks the binding relationship is invalid. Wherein, the binding relationship between the user's digital currency application wallet and the bank wallet includes: the corresponding relationship between the information of the application wallet and the information of the bank wallet.

The user access module 501 is further configured to send a wallet unbinding success receipt to the user after the binding relationship between the application wallet and the bank wallet is released.

According to the embodiment of the present invention, the identity of the service provider and the user is double-authenticated through the service provider authentication module and the bank wallet access authentication module, which further improves the security of wallet unbinding. Through the above system, users can conveniently and safely realize the unbinding of digital currency application wallets and digital currency bank wallets. Further, through the above system, it is convenient to combine the traditional bank account system with the digital currency system, greatly improving the convenience and flexibility of digital currency use, and lowering the threshold for digital currency promotion.

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.

Claims (13)

1. a kind of solution binding method of digital cash wallet, it is characterised in that methods described includes：

After the wallet solution bind request that user submits is received, sending bank's wallet access registrar entrance to the user please Ask；

Bank's wallet access registrar key element that user submits is received, and according to bank's wallet access registrar key element to the use Family carries out authentication；

In authenticating user identification in the case of, the binding of the digital cash application wallet and bank's wallet of the user is released Relation.

2. according to the method for claim 1, it is characterised in that release digital cash application wallet and the bank of the user The step of binding relationship of wallet, includes：

The binding relationship of the digital cash application wallet of the user and bank's wallet is deleted or marks the binding relationship For disarmed state.

3. according to the method for claim 1, it is characterised in that the digital cash application wallet and bank's wallet of the user Binding relationship include：Using the corresponding relation between the information of wallet and the information of bank's wallet.

4. according to the method for claim 1, it is characterised in that sending bank's wallet access registrar entrance to the user please Before the step of asking, methods described also includes：

Confirmed according to the wallet solution bind request correct using the identity of wallet service provider.

5. according to the method for claim 3, it is characterised in that

Included in the wallet solution bind request using wallet service provider authentication information and application wallet service provider digital signature；

Confirmed according to the wallet solution bind request using the correct step of the identity of wallet service provider, including：Confirm described answer It is correct with wallet service provider authentication information and application wallet service provider digital signature.

6. according to the method for claim 1, it is characterised in that release digital cash application wallet and the bank of the user The step of binding relationship of wallet, includes：

Search being sent using wallet and the binding relationship of bank's wallet, then by the binding relationship to the use for the user Family；

Digital cash application wallet and bank's money according to the wallet solution binding acknowledgement message that the user submits to the user The binding relationship of bag is released.

7. a kind of solution binding system of digital cash wallet, it is characterised in that the system includes：

User's access modules, for after the wallet solution bind request that user submits is received, bank's money to be sent to the user Bag access registrar entry request；

Bank's wallet access registrar module, for receiving bank's wallet access registrar key element of user's submission, and according to the silver Row wallet access registrar key element carries out authentication to the user；It is also, described in authenticating user identification in the case of Bank's wallet access registrar module is additionally operable to：The binding for releasing the digital cash application wallet and bank's wallet of the user is closed System.

8. system according to claim 7, it is characterised in that bank's wallet access registrar module releases the user Digital cash application wallet and bank's wallet binding relationship, including：Bank's wallet access registrar module is by the use The digital cash application wallet at family and the binding relationship of bank's wallet are deleted or the binding relationship are labeled as into disarmed state.

9. system according to claim 7, it is characterised in that the digital cash application wallet and bank's wallet of the user Binding relationship include：Using the corresponding relation between the information of wallet and the information of bank's wallet.

10. system according to claim 7, it is characterised in that the system also includes：Service provider's authentication module；

Before user's access modules send bank's wallet access registrar entry request to the user, service provider's certification mould Block is used for, and is confirmed according to the wallet solution bind request correct using the identity of wallet service provider.

11. system according to claim 8, it is characterised in that

Included in the wallet solution bind request using wallet service provider authentication information and application wallet service provider digital signature；

Service provider's authentication module confirms, bag correct using the identity of wallet service provider according to the wallet solution bind request Include：Service provider's authentication module is confirming application wallet service provider's authentication information and application wallet the service provider digital signature just Really.

12. system according to claim 8, it is characterised in that bank's wallet access registrar module releases the use The digital cash application wallet at family and the binding relationship of bank's wallet, including：

Bank's wallet access registrar module search the user using wallet and the binding relationship of bank's wallet, then by institute Binding relationship is stated to send to the user by user's access modules；

The wallet solution binding acknowledgement message that bank's wallet access registrar module is submitted according to the user is to the user's The binding relationship of digital cash application wallet and bank's wallet is released.

13. a kind of computer-readable recording medium, computer instruction is stored with the computer-readable recording medium, its feature It is, the computer instruction can be run by computer or computer system, so that the computer or computer system energy Enough perform claims require the method described in 1 to 6 any one.