Methods, devices and systems for opening digital wallets

Abstract

This invention discloses a method, apparatus, and system for opening a digital wallet. One specific embodiment of the method includes: obtaining and displaying a list of operating institutions that can open wallets from a digital currency issuing institution, allowing a user to select a target operating institution from the list; communicating with the target operating institution to verify the user; and, if verification is successful, sending a wallet opening request to the digital currency issuing institution to notify the target operating institution to perform the wallet opening operation, or sending a wallet opening request to the target operating institution to perform the wallet opening operation. This embodiment elevates the digital wallet opening entry point to the digital currency issuing institution or other operating institutions. Users do not need to use wallet opening methods provided by authorized operating institutions, and can open digital wallets from multiple operating institutions on the same platform, greatly reducing the barrier to entry for users and improving convenience.

Description

Technical Field

[0001] This invention relates to the field of computer technology, and in particular to a method, apparatus and system for opening a digital wallet. Background Technology

[0002] Digital currencies employ a two-tier operating system: issuance by an issuing institution and operation by an authorized operating institution. Currently, when opening a digital wallet, users need to use a wallet opening method provided by an authorized operating institution (such as downloading a specific operating institution's app or visiting an authorized operating institution's offline branch). This wallet opening method is inconvenient and prevents the opening of digital wallets from other authorized operating institutions on a single authorized operating institution's platform. Summary of the Invention

[0003] In view of this, embodiments of the present invention provide a method, apparatus and system for opening a digital wallet, which raises the entry point for opening a digital wallet to digital currency issuing institutions or other authorized or unauthorized operating institutions, so that users do not need to use the wallet opening method provided by authorized operating institutions, and can open digital wallets of multiple authorized operating institutions on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.

[0004] To achieve the above objectives, according to one aspect of the present invention, a method for opening a digital wallet is provided, comprising:

[0005] Obtain and display a list of operators from digital currency issuers that can open wallets, so that users can select a target operator from the list;

[0006] Communicate with the target operating organization to enable the target operating organization to verify the user;

[0007] If the verification is successful, a wallet opening request is sent to the digital currency issuing institution so that the digital currency issuing institution can notify the target operating institution to perform the wallet opening operation and return the wallet opening result, or a wallet opening request is sent to the target operating institution so that the target operating institution can perform the wallet opening operation and return the wallet opening result to the digital currency issuing institution; the wallet opening result returned by the digital currency issuing institution after the wallet is opened is received.

[0008] Optionally, before communicating with the target operator, the method further includes: receiving the user's wallet level operation request and parsing the wallet level from the wallet level operation request;

[0009] Communicating with the target operating institution further includes: sending the wallet level to the target operating institution so that the target operating institution can determine the verification content to verify the user based on the wallet level;

[0010] The method further includes generating the wallet opening request based on the verified content.

[0011] Optionally, the verification content includes: a verification code; communicating with the target operator to enable the target operator to verify the user, including:

[0012] Send a request to obtain a verification code to the target operating organization, and receive the verification code returned by the target operating organization in response to the request to obtain a verification code;

[0013] Send a verification code request to the target operator so that the target operator can verify the user based on the verification code, and receive the verification result returned by the target operator.

[0014] Optionally, the verification content includes: wallet information; communicating with the target operator to enable the target operator to verify the user, including:

[0015] The system receives the wallet information input by the user, sends the wallet information to the target operating institution, so that the target operating institution can verify the user based on the wallet information, and receives the verification result returned by the target operating institution.

[0016] Optionally, the wallet information includes wallet real-name information and the wallet user's biometric information; communicating with the target operating institution to enable the target operating institution to verify the user includes:

[0017] The system receives the wallet real-name information input by the user, sends the wallet real-name information to the target operating institution, so that the target operating institution can verify the user based on the wallet real-name information, and receives the verification result returned by the target operating institution.

[0018] The system receives biometric information input by the user, sends the biometric information to the target operating organization so that the target operating organization can verify the user based on the biometric information, and receives the verification result returned by the target operating organization.

[0019] Optionally, the verification content includes: bank account information; communicating with the target operating institution to enable the target operating institution to verify the user, including:

[0020] The system receives the bank account information input by the user, sends the bank account information to the target operating institution, so that the target operating institution can verify the user based on the bank account information, and receives the verification result returned by the target operating institution.

[0021] Optionally, the bank account information includes bank card number information and the mobile phone number linked to the bank card; communicating with the target operating institution to enable the target operating institution to verify the user includes:

[0022] The system receives the bank card number information input by the user, sends the bank card number information to the target operating institution, so that the target operating institution can verify the user based on the bank card number information, and receives the verification result returned by the target operating institution.

[0023] Verify whether the bank card entered by the user is from an authorized institution based on the bank card number information;

[0024] The system receives the mobile phone number linked to the bank card entered by the user, sends a request to the target operating institution to obtain a verification code, so that the target operating institution can query the verification code from the issuing bank of the bank card, and receives the verification code returned by the target operating institution; it then sends a request to the target operating institution to verify the verification code, so that the target operating institution can verify the verification code from the issuing bank, and receives the verification result returned by the target operating institution.

[0025] Optionally, before sending a wallet opening request to the target operator or the digital currency issuer, the method further includes:

[0026] Receive the user's wallet identifier operation request, and parse the wallet identifier from the wallet identifier operation request;

[0027] Receive the user's payment password operation request, and parse the wallet's payment password from the payment password operation request.

[0028] Optionally, after receiving the wallet opening result returned by the target operator, the digital currency issuing institution saves the relevant information of the opened wallet, which includes at least one of the following: wallet name, wallet ID, and bound mobile phone number.

[0029] According to a second aspect of the present invention, an apparatus for opening a digital wallet is provided, comprising:

[0030] The information acquisition module obtains and displays a list of operating institutions that can open wallets from the digital currency issuing institution, so that users can select a target operating institution from the list of operating institutions;

[0031] The information verification module communicates with the target operating organization to enable the target operating organization to verify the user;

[0032] The wallet opening module, upon successful verification, sends a wallet opening request to the digital currency issuing institution, so that the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation and return the wallet opening result, or sends a wallet opening request to the target operating institution so that the target operating institution performs the wallet opening operation and returns the wallet opening result to the digital currency issuing institution; and receives the wallet opening result returned by the digital currency issuing institution after the wallet is opened.

[0033] Optionally, the information acquisition module is further configured to: receive the user's wallet level operation request before communicating with the target operating institution, and parse the wallet level from the wallet level operation request;

[0034] The information verification module is also used to: send the wallet level to the target operating institution, so that the target operating institution can determine the verification content to be verified for the user based on the wallet level;

[0035] The wallet opening module is also used to: generate the wallet opening request based on the verified content.

[0036] Optionally, the verification content includes: a verification code; the information verification module communicates with the target operating organization to enable the target operating organization to verify the user, including:

[0037] Send a request to obtain a verification code to the target operating organization, and receive the verification code returned by the target operating organization in response to the request to obtain a verification code;

[0038] Send a verification code request to the target operator so that the target operator can verify the user based on the verification code, and receive the verification result returned by the target operator.

[0039] Optionally, the verification content includes: wallet information; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0040] The system receives the wallet information input by the user, sends the wallet information to the target operating institution, so that the target operating institution can verify the user based on the wallet information, and receives the verification result returned by the target operating institution.

[0041] Optionally, the wallet information includes wallet real-name information and the wallet user's biometric information; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0042] The system receives the wallet real-name information input by the user, sends the wallet real-name information to the target operating institution, so that the target operating institution can verify the user based on the wallet real-name information, and receives the verification result returned by the target operating institution.

[0043] The system receives biometric information input by the user, sends the biometric information to the target operating organization so that the target operating organization can verify the user based on the biometric information, and receives the verification result returned by the target operating organization.

[0044] Optionally, the verification content includes: bank account information; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0045] The system receives the bank account information input by the user, sends the bank account information to the target operating institution, so that the target operating institution can verify the user based on the bank account information, and receives the verification result returned by the target operating institution.

[0046] Optionally, the bank account information includes bank card number information and the mobile phone number linked to the bank card; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0047] The system receives the bank card number information input by the user, sends the bank card number information to the target operating institution, so that the target operating institution can verify the user based on the bank card number information, and receives the verification result returned by the target operating institution.

[0048] Verify whether the bank card entered by the user is from an authorized institution based on the bank card number information;

[0049] The system receives the mobile phone number linked to the bank card entered by the user, sends a request to the target operating institution to obtain a verification code, so that the target operating institution can query the verification code from the issuing bank of the bank card, and receives the verification code returned by the target operating institution; it then sends a request to the target operating institution to verify the verification code, so that the target operating institution can verify the verification code from the issuing bank, and receives the verification result returned by the target operating institution.

[0050] Optionally, the information verification module is further configured to: before the wallet opening module sends a wallet opening request to the target operating institution or the digital currency issuing institution:

[0051] Receive the user's wallet identifier operation request, and parse the wallet identifier from the wallet identifier operation request;

[0052] Receive the user's payment password operation request, and parse the wallet's payment password from the payment password operation request.

[0053] Optionally, after receiving the wallet opening result returned by the target operator, the digital currency issuing institution saves the relevant information of the opened wallet, which includes at least one of the following: wallet name, wallet ID, and bound mobile phone number.

[0054] According to a third aspect of the present invention, a system for opening a digital wallet is provided, comprising: a wallet application, an operating institution, and a digital currency issuing institution; wherein,

[0055] The wallet application sends a request to the digital currency issuing institution to query the list of operating institutions that can open wallets; the digital currency issuing institution returns the list of operating institutions to the wallet application;

[0056] The wallet application displays the list of operating institutions to the user, allowing the user to select a target operating institution from the list.

[0057] The wallet application communicates with the target operating institution, the target operating institution verifies the user, and returns the verification result to the wallet application;

[0058] If the verification is successful, the wallet application sends a wallet opening request to the digital currency issuing institution. In response to the wallet opening request, the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation. The target operating institution performs the wallet opening operation and then returns the wallet opening result to the digital currency discovery institution, which then returns the wallet opening result to the wallet application. Alternatively, the wallet application sends a wallet opening request to the target operating institution. In response to the wallet opening request, the target operating institution performs the wallet opening operation and returns the wallet opening result to the digital currency issuing institution, which then returns the wallet opening result to the wallet application.

[0059] Optionally, the wallet application is also used for:

[0060] Before communicating with the target operating institution, receive the user's wallet level operation request and parse the wallet level from the wallet level operation request;

[0061] The wallet level is sent to the target operating institution so that the target operating institution can determine the verification content to be verified for the user based on the wallet level;

[0062] The wallet opening request is generated based on the verified content.

[0063] Optionally, the verification content includes: a verification code; the wallet application sends a request to the target operating institution to obtain the verification code, and the target operating institution responds to the request to obtain the verification code by returning a verification code to the wallet application;

[0064] The wallet application sends a verification code request to the target operator, which verifies the user based on the verification code and then returns the verification result to the wallet application.

[0065] Optionally, the verification content includes: wallet information; the wallet application receives the wallet information input by the user and sends the wallet information to the target operating institution; the target operating institution verifies the user based on the wallet information and then returns the verification result to the wallet application.

[0066] Optionally, the wallet information includes wallet real-name information and the wallet user's biometric information; the wallet application receives the wallet real-name information input by the user and sends the wallet real-name information to the target operating institution; the target operating institution verifies the user based on the wallet real-name information and then returns the verification result to the wallet application;

[0067] The wallet application receives the biometric information input by the user and sends the biometric information to the target operating institution; the target operating institution verifies the user based on the biometric information and then returns the verification result to the wallet application.

[0068] Optionally, the verification content includes: bank account information; the wallet application receives the bank account information entered by the user and sends the bank account information to the target operating institution; the target operating institution verifies the user based on the bank account information and then returns the verification result to the wallet application.

[0069] Optionally, the bank account information includes bank card number information and the mobile phone number linked to the bank card; the wallet application receives the bank card number information entered by the user and sends the bank card number information to the target operating institution; the target operating institution verifies the user based on the bank card number information and then returns the verification result to the wallet application;

[0070] The wallet application verifies whether the bank card entered by the user is from an authorized institution based on the bank card number information;

[0071] The wallet application receives the mobile phone number linked to the bank card entered by the user and sends a request to the target operating institution to obtain a verification code; the target operating institution queries the verification code from the issuing bank of the bank card and returns the verification code to the wallet application; the wallet application sends a verification code request to the target operating institution, the target operating institution verifies the verification code at the issuing bank, and then returns the verification result to the wallet application.

[0072] Optionally, the wallet application is also used for:

[0073] Before the wallet opening module sends a wallet opening request to the target operating institution or the digital currency issuing institution:

[0074] Receive the user's wallet identifier operation request, and parse the wallet identifier from the wallet identifier operation request;

[0075] Receive the user's payment password operation request, and parse the wallet's payment password from the payment password operation request.

[0076] Optionally, after receiving the wallet opening result returned by the target operator, the digital currency issuing institution saves the relevant information of the opened wallet, which includes at least one of the following: wallet name, wallet ID, and bound mobile phone number.

[0077] According to a fourth aspect of the present invention, an electronic device for opening a digital wallet is provided, comprising:

[0078] One or more processors;

[0079] Storage device for storing one or more programs.

[0080] When the one or more programs are executed by the one or more processors, the one or more processors implement the method provided in the first aspect of the embodiments of the present invention.

[0081] According to a fifth aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements the method provided in the first aspect of the present invention.

[0082] One embodiment of the above invention has the following advantages or beneficial effects: it raises the entry point for opening digital wallets to digital currency issuing institutions or other authorized or unauthorized operating institutions, so that users do not need to use the wallet opening method provided by authorized operating institutions, and can open digital wallets of multiple authorized operating institutions on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.

[0083] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0084] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0085] Figure 1 This is a schematic diagram of the main process of the digital wallet opening method according to an embodiment of the present invention;

[0086] Figure 2 This is a schematic diagram of the main process of opening a digital wallet in an optional embodiment of the present invention;

[0087] Figure 3 This is a schematic diagram of the main modules of the digital wallet opening device according to an embodiment of the present invention;

[0088] Figure 4 This is a schematic diagram of the main modules of the digital wallet opening device according to an embodiment of the present invention;

[0089] Figure 5 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0090] Figure 6 This is a schematic diagram of the structure of a computer system suitable for implementing terminal devices or servers of the present invention. Detailed Implementation

[0091] The following description, in conjunction with the accompanying drawings, illustrates exemplary embodiments of the present invention, including various details to aid understanding. These details should be considered merely exemplary. Therefore, those skilled in the art will recognize that various changes and modifications can be made to the embodiments described herein without departing from the scope and spirit of the invention. Similarly, for clarity and brevity, descriptions of well-known functions and structures are omitted in the following description.

[0092] According to a first aspect of the present invention, a method for opening a digital wallet is provided.

[0093] Figure 1 This is a schematic diagram of the main flow of the digital wallet opening method according to an embodiment of the present invention, as shown below. Figure 1As shown, the method for opening a digital wallet according to an embodiment of the present invention includes:

[0094] Step S101: Obtain and display a list of operating institutions that can open wallets from the digital currency issuing institution, so that users can select the target operating institution from the list;

[0095] Step S102: Communicate with the target operator to enable the target operator to verify the user;

[0096] Step S103: Determine whether the verification is successful; if the verification is successful, proceed to step S104 or step S105 (the specific step S104 or step S105 can be selectively set according to the actual situation), otherwise the process ends.

[0097] Step S104: Send a wallet opening request to the digital currency issuer so that the digital currency issuer can notify the target operator to perform the wallet opening operation and return the wallet opening result;

[0098] Step S105: Send a wallet opening request to the target operating institution so that the target operating institution can perform the wallet opening operation and return the wallet opening result to the digital currency issuing institution;

[0099] Step S106: Receive the wallet opening result returned by the digital currency issuer after opening the wallet.

[0100] Authorized operators, also known as wallet opening agencies, provide operational management services for users' digital wallets. In this embodiment of the invention, a list of authorized operators can be obtained by communicating with the digital currency issuing institution, and the information verification process during wallet opening can be performed by communicating with the target operator. In practical applications, the digital currency wallet can uniformly handle all users' wallet opening requests. After a user sends a wallet opening request to the digital currency wallet, the wallet forwards the request to the corresponding target operator. After opening the wallet, the target operator sends the wallet information back to the digital currency issuing institution. The digital currency issuing institution then stores the data (i.e., records the wallet information) and returns the wallet opening result to the user. Alternatively, to reduce the access load on the digital currency issuing institution, the target operator can directly handle all users' wallet opening requests. After opening the wallet, the target operator sends the wallet opening result back to the user and the wallet information back to the digital currency issuing institution, which then records the wallet information.

[0101] This invention can elevate the entry point for opening digital wallets to digital currency issuing institutions or other authorized or unauthorized operating institutions, eliminating the need for users to use wallet opening methods provided by authorized operating institutions. Furthermore, users can open digital wallets from multiple authorized operating institutions on the same platform, greatly reducing the barrier to entry for users to use digital wallets and improving convenience.

[0102] The verification content used by the target operator to verify users can be selectively set according to actual circumstances, such as based on user type or the type of digital wallet the user needs to open. Optionally, before communicating with the target operator, the user's wallet level operation request is received, and the wallet level is parsed from the request; the wallet level is sent to the target operator so that the target operator can determine the verification content to verify the user based on the wallet level; and a wallet opening request is generated based on the verified content. For example, for wallets with lower operation permissions, such as Class 5 or Class 4 wallets, only verification of information such as the mobile phone number via verification code is required. For wallets with higher operation permissions, such as Class 3 wallets, wallet information can be further verified in addition to verification of the verification code. For wallets with high operation permissions, such as Class 2 or Class 1 wallets, which have higher security requirements, the verification content can further verify bank account information in addition to verification of the verification code and wallet information. This embodiment can set different verification content according to the wallet level to achieve diversified management.

[0103] In some optional embodiments, the verification content includes: a verification code; communication with the target operator to enable the target operator to verify the user, including: sending a request to obtain a verification code to the target operator, receiving a verification code returned by the target operator in response to the request; sending a verification code verification request to the target operator to enable the target operator to verify the user based on the verification code, and receiving a verification result returned by the target operator. After receiving the request to obtain a verification code, the target operator can generate a verification code itself and return it to the user, or it can call the interconnection network to generate a verification code and then return the generated verification code to the user through the SMS service platform. By setting a verification code, the correctness of the user's mobile phone number can be verified.

[0104] In some optional embodiments, the verification content includes: wallet information; communication with the target operator to enable the target operator to verify the user, including: receiving wallet information input by the user, sending the wallet information to the target operator so that the target operator can verify the user based on the wallet information, and receiving the verification result returned by the target operator. Wallet information refers to information related to the digital wallet, and its specific content can be selectively set according to actual circumstances. Optionally, the wallet information includes wallet real-name information and the wallet user's biometric information. Communicating with the target operator to enable the target operator to verify the user includes the following two parts: first, receiving wallet real-name information input by the user, sending the wallet real-name information to the target operator so that the target operator can verify the user based on the wallet real-name information, and receiving the verification result returned by the target operator; second, receiving biometric information input by the user, sending the biometric information to the target operator so that the target operator can verify the user based on the biometric information, and receiving the verification result returned by the target operator.

[0105] Wallet authentication information refers to the user's real-name information. This information can be plaintext, such as the user's ID card number or passport number, or encrypted, such as a real-name identifier generated based on the user's ID card number or passport number linked to the wallet (e.g., a properly hashed identifier). Biometric information refers to the user's biometric characteristics, such as iris, facial information, and fingerprints. Verifying wallet information can further enhance wallet security.

[0106] In some alternative embodiments, the verification content includes: bank account information; communicating with the target operator to enable the target operator to verify the user, including: receiving bank account information input by the user, sending the bank account information to the target operator to enable the target operator to verify the user based on the bank account information, and receiving the verification result returned by the target operator.

[0107] Bank account information refers to information related to a user's bank account. Its specific content can be selectively set according to actual circumstances, such as bank card number, linked mobile phone number, and linked mailing address. Optionally, bank account information includes bank card number and linked mobile phone number. Communication with the target operating institution to enable user verification includes the following two aspects: 1. Receiving the user's input bank card number and sending it to the target operating institution for verification, receiving the verification result from the target operating institution; 2. Receiving the user's input linked mobile phone number and sending a verification code request to the target operating institution for querying the verification code from the card issuer, receiving the verification code from the target operating institution; sending a verification code request to the target operating institution for verification at the card issuer, receiving the verification result from the target operating institution. In practical applications, the bank card number information can be further used to verify whether the user's input bank card belongs to an authorized institution.

[0108] After receiving a verification code request, the target operator can either generate a verification code itself and return it to the user, or it can call the interconnected network to generate a verification code and then return it to the user via an SMS service platform. Setting a verification code verifies the user's mobile phone number. Verifying the user's bank account information further enhances the security of the digital wallet. This embodiment is applicable to application scenarios involving opening digital wallets with higher operational permissions, such as opening Class II or Class I digital wallets.

[0109] In practical applications, the default wallet level for digital wallets can be used. However, it's also possible to receive the user's wallet level operation request before sending the wallet opening request to the target operator or cryptocurrency issuer, and then parse the wallet level from the request. This embodiment can meet the diverse needs of different user types opening digital wallets and the same user opening different wallet levels, improving the convenience of wallet opening.

[0110] In this embodiment of the invention, the wallet identifier of the digital wallet that the user intends to open can be automatically determined according to default rules. For example, an auto-incrementing code can be used to sequentially mark each digital wallet that the user intends to open. Alternatively, before sending the wallet opening request to the target operating institution or digital currency issuing institution, the wallet identifier can be received from the user's wallet identifier operation request, and the wallet identifier can be parsed from the wallet identifier operation request. The wallet identifier can be the wallet name, the wallet's unique code, or the wallet's display icon, etc. This embodiment of the invention can meet the user's personalized needs for wallet identifiers.

[0111] When using a digital wallet for transactions, a payment password is typically required. This payment password can be set by the user after the digital wallet is opened with the target operator or digital currency issuer, or it can be determined before sending a wallet opening request to the target operator or digital currency issuer. For example, the payment password can be retrieved from the user's payment password request before sending the wallet opening request to the target operator or digital currency issuer.

[0112] In practical applications, after receiving the wallet opening results from the target operator, the digital currency issuing institution can save the relevant information of the opened wallet for verification. This information includes at least one of the following: wallet name, wallet ID (a wallet identifier other than the wallet name), and linked mobile phone number. When the wallet opened by a user is a real-name wallet, this information may also include the wallet's real-name information. This real-name information can be the user's ID card number, passport number, etc. Typically, to protect user privacy and account security, this real-name information is stored in encrypted form, and the encryption method can be selectively set according to the actual situation.

[0113] Figure 2 This is a schematic diagram illustrating the main process of opening a digital wallet in an optional embodiment of the present invention. In this embodiment, the entity executing the digital wallet opening method is the wallet application. Figure 2 As shown, the digital wallet opening process mainly includes the following steps:

[0114] 1. A wallet application requests the issuing authority of a digital currency or digital currency to identify an operator that can open a wallet;

[0115] 2. The digital currency issuing institution returns a list of available operating institutions to the wallet application;

[0116] 3. Users select a target operator from the list of operators to complete the wallet opening and verification process;

[0117] 4. The wallet application obtains the verification code from the target operating institution;

[0118] 5. The target operating organization obtains a verification code from the interconnected network;

[0119] 6. After generating the verification code on the interconnected network, it is sent to the SMS service platform;

[0120] 7. The SMS service platform returns a response to the interconnected network;

[0121] 8. The interconnected network returns a response to the target operator;

[0122] 9. The target operator returns a response to the wallet application;

[0123] 10. The wallet application requests the target operator to verify the verification code;

[0124] 11. The target operating organization requests the verification code from the interconnection network;

[0125] 12. After verifying the verification code on the interconnected network, the verification result is sent to the SMS service platform;

[0126] 13. The SMS service platform returns a response to the interconnected network;

[0127] 14. The interconnected network returns a response to the target operator;

[0128] 15. The target operator returns a response to the wallet application;

[0129] 16. Users select the wallet level they want to open in the wallet application;

[0130] 17. Users set their wallet name and payment password in the wallet application;

[0131] 18. The wallet application requests the target operator to verify the wallet's real-name information;

[0132] 19. The target operator can perform OCR (Optical Character Recognition) on the user's identification information and return the verification result to the wallet application;

[0133] 20. The wallet application requests the target operator to verify facial identity;

[0134] 21. The target operating institution returns the verification result to the wallet application;

[0135] 22. Wallet applications obtain bank card information from target operating institutions;

[0136] 23. The target operating institution returns bank card information to the wallet application;

[0137] 24. The target operating institution determines whether the bank card entered by the user is a bank card authorized by the target operating institution;

[0138] 25. Wallet applications obtain bank cards with linked mobile phone numbers from target operators;

[0139] 26. The target operating institution obtains the verification code for the mobile phone number linked to the bank card from the issuing bank;

[0140] 27. The target operating institution returns the verification code sending result to the wallet application;

[0141] 28. The wallet application requests a verification code from the target operator to verify the mobile phone number linked to the bank card;

[0142] 29. The target operating institution verifies the verification code of the mobile phone number linked to the bank card at the issuing bank;

[0143] 30. The target operating institution returns the verification result to the wallet application;

[0144] 31. The wallet application sends a wallet opening request to the digital currency issuing institution. The request includes parameters such as wallet name, institution number, wallet level, payment password, bank card number (if any), and real-name information verification result (if any).

[0145] 32. The digital currency issuer sends a wallet opening request to the interconnected network;

[0146] 33. The interconnected network sends a wallet opening request to the target operator;

[0147] 34. After the target operating institution opens a wallet, it sends wallet information to the interconnected network;

[0148] 35. Interconnected networks send wallet information to digital currency issuers;

[0149] 36. Digital currency issuing institutions release data;

[0150] 37. The digital currency issuing institution sends the wallet opening result to the wallet application.

[0151] When opening a Type I or Type II wallet, users need to provide bank card information. When opening a Type III wallet, users do not need to provide bank card information. When opening a Type IV or Type V wallet, users do not need to provide real-name information. Therefore, if the user chooses a Type III wallet, steps 22 to 30 can be skipped. If the user chooses a Type IV or Type V wallet, the wallet opening request in step 31 may not include parameters such as bank card number and real-name verification result.

[0152] This invention, based on a two-tier operating system, expands the entry point for digital wallet opening from authorized operating institutions to digital currency issuing institutions or other non-operating institutions. This allows users to open wallets from multiple authorized operating institutions on the same platform without needing to use the wallet opening methods provided by authorized operating institutions, significantly lowering the barrier to entry and improving convenience. Furthermore, the digital wallet opening method in this invention also supports direct opening of second- and third-class wallets, eliminating the need to upgrade from fourth- or fifth-class wallets, providing a seamless experience similar to offline processing.

[0153] According to a second aspect of the present invention, an apparatus for implementing the above-described method is provided.

[0154] Figure 3This is a schematic diagram of the main modules of the digital wallet opening device according to an embodiment of the present invention. Figure 3 As shown, the digital wallet opening device 300 includes:

[0155] The information acquisition module 301 acquires and displays a list of operating institutions that can open wallets from the digital currency issuing institution, so that users can select a target operating institution from the list of operating institutions;

[0156] The information verification module 302 communicates with the target operating organization to enable the target operating organization to verify the user;

[0157] The wallet opening module 303, upon successful verification, sends a wallet opening request to the digital currency issuing institution, so that the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation and return the wallet opening result, or sends a wallet opening request to the target operating institution so that the target operating institution performs the wallet opening operation and returns the wallet opening result to the digital currency issuing institution; and receives the wallet opening result returned by the digital currency issuing institution after the wallet is opened.

[0158] Optionally, the information acquisition module is further configured to: receive the user's wallet level operation request before communicating with the target operating institution, and parse the wallet level from the wallet level operation request;

[0159] The information verification module is also used to: send the wallet level to the target operating institution, so that the target operating institution can determine the verification content to be verified for the user based on the wallet level;

[0160] The wallet opening module is also used to: generate the wallet opening request based on the verified content.

[0161] Optionally, the verification content includes: a verification code; the information verification module communicates with the target operating organization to enable the target operating organization to verify the user, including:

[0162] Send a request to obtain a verification code to the target operating organization, and receive the verification code returned by the target operating organization in response to the request to obtain a verification code;

[0163] Send a verification code request to the target operator so that the target operator can verify the user based on the verification code, and receive the verification result returned by the target operator.

[0164] Optionally, the verification content includes: wallet information; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0165] The system receives the wallet information input by the user, sends the wallet information to the target operating institution, so that the target operating institution can verify the user based on the wallet information, and receives the verification result returned by the target operating institution.

[0166] Optionally, the wallet information includes wallet real-name information and the wallet user's biometric information; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0167] The system receives the wallet real-name information input by the user, sends the wallet real-name information to the target operating institution, so that the target operating institution can verify the user based on the wallet real-name information, and receives the verification result returned by the target operating institution.

[0168] The system receives biometric information input by the user, sends the biometric information to the target operating organization so that the target operating organization can verify the user based on the biometric information, and receives the verification result returned by the target operating organization.

[0169] Optionally, the verification content includes: bank account information; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0170] The system receives the bank account information input by the user, sends the bank account information to the target operating institution, so that the target operating institution can verify the user based on the bank account information, and receives the verification result returned by the target operating institution.

[0171] Optionally, the bank account information includes bank card number information and the mobile phone number linked to the bank card; the information verification module communicates with the target operating institution to enable the target operating institution to verify the user, including:

[0172] The system receives the bank card number information input by the user, sends the bank card number information to the target operating institution, so that the target operating institution can verify the user based on the bank card number information, and receives the verification result returned by the target operating institution.

[0173] Verify whether the bank card entered by the user is from an authorized institution based on the bank card number information;

[0174] The system receives the mobile phone number linked to the bank card entered by the user, sends a request to the target operating institution to obtain a verification code, so that the target operating institution can query the verification code from the issuing bank of the bank card, and receives the verification code returned by the target operating institution; it then sends a request to the target operating institution to verify the verification code, so that the target operating institution can verify the verification code from the issuing bank, and receives the verification result returned by the target operating institution.

[0175] Optionally, the information verification module is further configured to: before the wallet opening module sends a wallet opening request to the target operating institution or the digital currency issuing institution:

[0176] Receive the user's wallet identifier operation request, and parse the wallet identifier from the wallet identifier operation request;

[0177] Receive the user's payment password operation request, and parse the wallet's payment password from the payment password operation request.

[0178] Optionally, after receiving the wallet opening result returned by the target operator, the digital currency issuing institution saves the relevant information of the opened wallet, which includes at least one of the following: wallet name, wallet ID, and bound mobile phone number.

[0179] According to a third aspect of the present invention, a system for implementing the above-described method is provided.

[0180] Figure 4 This is a schematic diagram of the main modules of the digital wallet opening device according to an embodiment of the present invention. Figure 4 As shown, the system for opening a digital wallet includes: wallet application 401, operating institution 402, and digital currency issuing institution 403; among them,

[0181] The wallet application sends a request to the digital currency issuing institution to query the list of operating institutions that can open wallets; the digital currency issuing institution returns the list of operating institutions to the wallet application;

[0182] The wallet application displays the list of operating institutions to the user, allowing the user to select a target operating institution from the list.

[0183] The wallet application communicates with the target operating institution, the target operating institution verifies the user, and returns the verification result to the wallet application;

[0184] If the verification is successful, the wallet application sends a wallet opening request to the digital currency issuing institution. In response to the wallet opening request, the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation. The target operating institution performs the wallet opening operation and then returns the wallet opening result to the digital currency discovery institution, which then returns the wallet opening result to the wallet application. Alternatively, the wallet application sends a wallet opening request to the target operating institution. In response to the wallet opening request, the target operating institution performs the wallet opening operation and returns the wallet opening result to the digital currency issuing institution, which then returns the wallet opening result to the wallet application.

[0185] Optionally, the wallet application is also used for:

[0186] Before communicating with the target operating institution, receive the user's wallet level operation request and parse the wallet level from the wallet level operation request;

[0187] The wallet level is sent to the target operating institution so that the target operating institution can determine the verification content to be verified for the user based on the wallet level;

[0188] The wallet opening request is generated based on the verified content.

[0189] Optionally, the wallet application sends a request to the target operating institution to obtain a verification code, and the target operating institution responds to the request to obtain a verification code by returning a verification code to the wallet application;

[0190] The wallet application sends a verification code request to the target operator, which verifies the user based on the verification code and then returns the verification result to the wallet application.

[0191] Optionally, the wallet application receives the wallet information input by the user and sends the wallet information to the target operating institution; the target operating institution verifies the user based on the wallet information and then returns the verification result to the wallet application.

[0192] Optionally, the wallet information includes wallet real-name information and the wallet user's biometric information; the wallet application receives the wallet real-name information input by the user and sends the wallet real-name information to the target operating institution; the target operating institution verifies the user based on the wallet real-name information and then returns the verification result to the wallet application;

[0193] The wallet application receives the biometric information input by the user and sends the biometric information to the target operating institution; the target operating institution verifies the user based on the biometric information and then returns the verification result to the wallet application.

[0194] Optionally, the wallet application receives the bank account information entered by the user and sends the bank account information to the target operating institution; the target operating institution verifies the user based on the bank account information and then returns the verification result to the wallet application.

[0195] Optionally, the bank account information includes bank card number information and the mobile phone number linked to the bank card; the wallet application receives the bank card number information entered by the user and sends the bank card number information to the target operating institution; the target operating institution verifies the user based on the bank card number information and then returns the verification result to the wallet application;

[0196] The wallet application verifies whether the bank card entered by the user is from an authorized institution based on the bank card number information;

[0197] The wallet application receives the mobile phone number linked to the bank card entered by the user and sends a request to the target operating institution to obtain a verification code; the target operating institution queries the verification code from the issuing bank of the bank card and returns the verification code to the wallet application; the wallet application sends a verification code request to the target operating institution, the target operating institution verifies the verification code at the issuing bank, and then returns the verification result to the wallet application.

[0198] Optionally, the wallet application is also used for:

[0199] Receive the user's wallet level operation request, and parse the wallet level from the wallet level operation request;

[0200] Receive the user's wallet identifier operation request, and parse the wallet identifier from the wallet identifier operation request;

[0201] Receive the user's payment password operation request, and parse the wallet's payment password from the payment password operation request.

[0202] Optionally, after receiving the wallet opening result returned by the target operator, the digital currency issuing institution saves the relevant information of the opened wallet, which includes at least one of the following: wallet name, wallet ID, and bound mobile phone number.

[0203] According to a fourth aspect of the present invention, an electronic device for opening a digital wallet is provided, comprising:

[0204] One or more processors;

[0205] Storage device for storing one or more programs.

[0206] When the one or more programs are executed by the one or more processors, the one or more processors implement the method provided in the first aspect of the embodiments of the present invention.

[0207] According to a fifth aspect of the present invention, a computer-readable medium is provided having a computer program stored thereon, which, when executed by a processor, implements the method provided in the first aspect of the present invention.

[0208] Figure 5 An exemplary system architecture 500 is shown, in which a method or apparatus for opening a digital wallet can be applied according to embodiments of the present invention.

[0209] like Figure 5 As shown, system architecture 500 may include terminal devices 501, 502, and 503, a network 504, and a server 505. Network 504 serves as the medium for providing communication links between terminal devices 501, 502, and 503 and server 505. Network 504 may include various connection types, such as wired or wireless communication links, or fiber optic cables, etc.

[0210] Users can use terminal devices 501, 502, and 503 to interact with server 505 via network 504 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 501, 502, and 503, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0211] Terminal devices 501, 502, and 503 can be various electronic devices with displays that support web browsing, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0212] Server 505 can be a server that provides various services, such as a backend management server that supports shopping websites browsed by users using terminal devices 501, 502, and 503 (for example only). The backend management server can analyze and process data such as received product information query requests, and feed back the processing results (such as target push information, product information - for example only) to the terminal device.

[0213] It should be noted that the digital wallet opening method provided in this embodiment of the invention can be executed by server 505, and correspondingly, the digital wallet opening device can be set in server 505; the digital wallet opening method provided in this embodiment of the invention can also be executed by terminal devices 501, 502, and 503, and correspondingly, the digital wallet opening device can be set in terminal devices 501, 502, and 503.

[0214] It should be understood that Figure 5 The number of terminal devices, networks, and servers shown is merely illustrative. Depending on implementation needs, any number of terminal devices, networks, and servers can be included.

[0215] The following is for reference. Figure 6 It shows a schematic diagram of the structure of a computer system 600 suitable for implementing a terminal device of the present invention. Figure 6 The terminal device shown is merely an example and should not impose any limitations on the functionality and scope of use of the embodiments of the present invention.

[0216] like Figure 6 As shown, the computer system 600 includes a central processing unit (CPU) 601, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 602 or programs loaded from storage section 608 into random access memory (RAM) 603. The RAM 603 also stores various programs and data required for the operation of the system 600. The CPU 601, ROM 602, and RAM 603 are interconnected via a bus 604. An input / output (I / O) interface 605 is also connected to the bus 604.

[0217] The following components are connected to I / O interface 605: an input section 606 including a keyboard, mouse, etc.; an output section 607 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 608 including a hard disk, etc.; and a communication section 609 including a network interface card such as a LAN card, modem, etc. The communication section 609 performs communication processing via a network such as the Internet. A drive 610 is also connected to I / O interface 605 as needed. A removable medium 611, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 610 as needed so that computer programs read from it can be installed into storage section 608 as needed.

[0218] In particular, according to the embodiments disclosed in this invention, the processes described above with reference to the flowcharts can be implemented as computer software programs. For example, embodiments disclosed in this invention include a computer program product comprising a computer program carried on a computer-readable medium, the computer program containing program code for performing the methods shown in the flowcharts. In such embodiments, the computer program can be downloaded and installed from a network via communication section 609, and / or installed from removable medium 611. When the computer program is executed by central processing unit (CPU) 601, it performs the functions defined above in the system of this invention.

[0219] It should be noted that the computer-readable medium shown in this invention can be a computer-readable signal medium or a computer-readable storage medium, or any combination thereof. A computer-readable storage medium can be, for example,—but not limited to—an electrical, magnetic, optical, electromagnetic, infrared, or semiconductor system, apparatus, or device, or any combination thereof. More specific examples of a computer-readable storage medium may include, but are not limited to: an electrical connection having one or more wires, a portable computer disk, a hard disk, random access memory (RAM), read-only memory (ROM), erasable programmable read-only memory (EPROM or flash memory), optical fiber, portable compact disk read-only memory (CD-ROM), optical storage device, magnetic storage device, or any suitable combination thereof. In this invention, a computer-readable storage medium can be any tangible medium containing or storing a program that can be used by or in conjunction with an instruction execution system, apparatus, or device. In this invention, a computer-readable signal medium can include a data signal propagated in baseband or as part of a carrier wave, carrying computer-readable program code. Such propagated data signals can take various forms, including but not limited to electromagnetic signals, optical signals, or any suitable combination thereof. Computer-readable signal media can also be any computer-readable medium other than computer-readable storage media, which can send, propagate, or transmit a program for use by or in connection with an instruction execution system, apparatus, or device. The program code contained on the computer-readable medium can be transmitted using any suitable medium, including but not limited to: wireless, wire, optical fiber, RF, etc., or any suitable combination thereof.

[0220] The flowcharts and block diagrams in the accompanying drawings illustrate the architecture, functionality, and operation of possible implementations of systems, methods, and computer program products according to various embodiments of the present invention. In this regard, each block in a flowchart or block diagram may represent a module, segment, or portion of code containing one or more executable instructions for implementing a specified logical function. It should also be noted that in some alternative implementations, the functions indicated in the blocks may occur in a different order than those indicated in the drawings. For example, two consecutively indicated blocks may actually be executed substantially in parallel, and they may sometimes be executed in reverse order, depending on the functions involved. It should also be noted that each block in a block diagram or flowchart, and combinations of blocks in a block diagram or flowchart, may be implemented using a dedicated hardware-based system that performs the specified function or operation, or using a combination of dedicated hardware and computer instructions.

[0221] The modules described in the embodiments of this invention can be implemented in software or hardware. The described modules can also be housed in a processor. For example, a processor can be described as follows: an information acquisition module, which acquires and displays a list of operating institutions that can open wallets from a digital currency issuing institution, allowing a user to select a target operating institution from the list; an information verification module, which communicates with the target operating institution to verify the user; and a wallet opening module, which, upon successful verification, sends a wallet opening request to the target operating institution or the digital currency issuing institution, and receives the wallet opening result returned by the target operating institution or the digital currency issuing institution after wallet opening. The names of these modules do not necessarily limit the module itself; for example, the information acquisition module could also be described as "the module that sends a wallet opening request to the target operating institution or the digital currency issuing institution."

[0222] In another aspect, the present invention also provides a computer-readable medium, which may be included in the device described in the above embodiments; or it may exist independently and not assembled into the device. The computer-readable medium carries one or more programs that, when executed by the device, cause the device to: obtain and display a list of operating institutions from a digital currency issuing institution that can open wallets, allowing a user to select a target operating institution from the list; communicate with the target operating institution to enable the target operating institution to verify the user; and, if verification is successful, send a wallet opening request to the target operating institution or the digital currency issuing institution, and receive a wallet opening result returned by the target operating institution or the digital currency issuing institution after wallet opening.

[0223] According to the technical solution of the present invention, the entry point for opening a digital wallet is raised to the digital currency issuing institution or other authorized or unauthorized operating institution, so that users do not need to use the wallet opening method provided by the authorized operating institution, and can open digital wallets of multiple authorized operating institutions on the same platform, which greatly reduces the threshold for users to use digital wallets and improves convenience.

[0224] The specific embodiments described above do not constitute a limitation on the scope of protection of this invention. Those skilled in the art should understand that various modifications, combinations, sub-combinations, and substitutions can occur depending on design requirements and other factors. Any modifications, equivalent substitutions, and improvements made within the spirit and principles of this invention should be included within the scope of protection of this invention.

Claims

1. A method for opening a digital wallet, characterized in that, include: The wallet application obtains and displays a list of operating institutions that can open wallets from the digital currency issuers, so that users can select a target operating institution from the list; The wallet application communicates with the target operator to enable the target operator to verify the user; If the verification is successful, the wallet application sends a wallet opening request to the digital currency issuing institution, so that the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation and return the wallet opening result; or the wallet application sends a wallet opening request to the target operating institution, so that the target operating institution performs the wallet opening operation and returns the wallet opening result to the digital currency issuing institution. The wallet application receives the wallet opening result returned by the digital currency issuer after the wallet is opened.

2. The method as described in claim 1, characterized in that, Before communicating with the target operating institution, the method further includes: receiving the user's wallet level operation request and parsing the wallet level from the wallet level operation request; Communicating with the target operating institution further includes: sending the wallet level to the target operating institution so that the target operating institution can determine the verification content to verify the user based on the wallet level; The method further includes generating the wallet opening request based on the verified content.

3. The method as described in claim 2, characterized in that, The verification content includes: a verification code; and communication with the target operating organization to enable the target operating organization to verify the user, including: Send a request to obtain a verification code to the target operating organization, and receive the verification code returned by the target operating organization in response to the request to obtain a verification code; Send a verification code request to the target operator so that the target operator can verify the user based on the verification code, and receive the verification result returned by the target operator.

4. The method as described in claim 2, characterized in that, The verification content includes: wallet information; communication with the target operating institution to enable the target operating institution to verify the user, including: The system receives the wallet information input by the user, sends the wallet information to the target operating institution, so that the target operating institution can verify the user based on the wallet information, and receives the verification result returned by the target operating institution.

5. The method as described in claim 4, characterized in that, The wallet information includes wallet real-name information and the wallet user's biometric information; communication with the target operating institution to enable the target operating institution to verify the user includes: The system receives the wallet real-name information input by the user, sends the wallet real-name information to the target operating institution, so that the target operating institution can verify the user based on the wallet real-name information, and receives the verification result returned by the target operating institution. The system receives biometric information input by the user, sends the biometric information to the target operating organization so that the target operating organization can verify the user based on the biometric information, and receives the verification result returned by the target operating organization.

6. The method as described in claim 2, characterized in that, The verification content includes: bank account information; communication with the target operating institution to enable the target operating institution to verify the user, including: The system receives the bank account information input by the user, sends the bank account information to the target operating institution, so that the target operating institution can verify the user based on the bank account information, and receives the verification result returned by the target operating institution.

7. The method as described in claim 6, characterized in that, The bank account information includes bank card number and the mobile phone number linked to the bank card; communication with the target operating institution to enable the target operating institution to verify the user includes: The system receives the bank card number information input by the user, sends the bank card number information to the target operating institution, so that the target operating institution can verify the user based on the bank card number information, and receives the verification result returned by the target operating institution. Verify whether the bank card entered by the user is from an authorized institution based on the bank card number information; The system receives the mobile phone number linked to the bank card entered by the user, sends a request to the target operating institution to obtain a verification code, so that the target operating institution can query the verification code from the issuing bank of the bank card, and receives the verification code returned by the target operating institution; it then sends a request to the target operating institution to verify the verification code, so that the target operating institution can verify the verification code from the issuing bank, and receives the verification result returned by the target operating institution.

8. The method as described in claim 1, characterized in that, Before sending a wallet opening request to the target operating institution or the digital currency issuing institution, the process also includes: Receive the user's wallet identifier operation request, and parse the wallet identifier from the wallet identifier operation request; Receive the user's payment password operation request, and parse the wallet's payment password from the payment password operation request.

9. The method as described in claim 1, characterized in that, After receiving the wallet opening result returned by the target operator, the digital currency issuing institution saves the relevant information of the opened wallet, which includes at least one of the following: wallet name, wallet ID, and bound mobile phone number.

10. An apparatus for opening a digital wallet, used to perform the method according to any one of claims 1-9, characterized in that, include: The information acquisition module obtains and displays a list of operating institutions that can open wallets from the digital currency issuing institution, so that users can select a target operating institution from the list of operating institutions; The information verification module communicates with the target operating organization to enable the target operating organization to verify the user; The wallet opening module, upon successful verification, sends a wallet opening request to the digital currency issuing institution, so that the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation and return the wallet opening result, or sends a wallet opening request to the target operating institution so that the target operating institution performs the wallet opening operation and returns the wallet opening result to the digital currency issuing institution; and receives the wallet opening result returned by the digital currency issuing institution after the wallet is opened.

11. A system for opening a digital wallet, characterized in that, include: Wallet applications, operating institutions, and digital currency issuers; among them, The wallet application sends a request to the digital currency issuing institution to query the list of operating institutions that can open wallets; the digital currency issuing institution returns the list of operating institutions to the wallet application; The wallet application displays the list of operating institutions to the user, allowing the user to select a target operating institution from the list. The wallet application communicates with the target operating institution, the target operating institution verifies the user, and returns the verification result to the wallet application; If the verification is successful, the wallet application sends a wallet opening request to the digital currency issuing institution. In response to the wallet opening request, the digital currency issuing institution notifies the target operating institution to perform the wallet opening operation. The target operating institution performs the wallet opening operation and then returns the wallet opening result to the digital currency issuing institution, which then returns the wallet opening result to the wallet application. Alternatively, the wallet application sends a wallet opening request to the target operating institution, which responds to the wallet opening request, performs the wallet opening operation, and returns the wallet opening result to the digital currency issuing institution, which then returns the wallet opening result to the wallet application.

12. An electronic device for opening a digital wallet, characterized in that, include: One or more processors; Storage device for storing one or more programs. When the one or more programs are executed by the one or more processors, the one or more processors implement the method as described in any one of claims 1-9.

13. A computer-readable medium having a computer program stored thereon, characterized in that, When the program is executed by the processor, it implements the method as described in any one of claims 1-9.

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