A method and apparatus for opening a digital wallet

Abstract

The application discloses a method and device for opening a digital wallet. A specific embodiment of the method comprises: verifying a user in response to a request of the user for opening a digital wallet; sending, in the case of verification, user wallet information to a digital currency issuing institution background system, so that the digital currency issuing institution background system sends the user wallet information to a background system of an operating institution corresponding to the digital wallet; and receiving a wallet opening result returned by the digital currency issuing institution background system after the digital wallet is opened by the background system of the operating institution and the digital wallet is associated with a digital RMB account of the user. The embodiment manages the digital RMB account and the digital wallet account by different subjects and opens different categories of wallet accounts, thereby reducing the probability of user information leakage and improving the security of the account. The user can open the digital wallet through the background system of the operating institution, thereby reducing the threshold for the user to use the digital wallet.

Description

Technical Field

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

[0002] In the existing payment system, institutions only provide third-party interfaces for users to conduct transactions using bank cards; users cannot easily use the various functions provided by banks. Furthermore, when users encounter problems, institutions need to allocate significant manpower for maintenance. This payment system presents a significant barrier to entry for groups such as the elderly unfamiliar with smart terminals and foreigners without payment accounts, causing considerable inconvenience. Moreover, the coupling of digital RMB accounts and digital wallet accounts leads to increasingly serious user information leaks, and current electronic payment applications lack a tiered mechanism to prevent such leaks. Summary of the Invention

[0003] In view of this, the present invention provides a method and apparatus for opening a digital wallet. By having digital RMB accounts and digital wallet accounts managed by different entities, and by opening different types of wallet accounts, the probability of user information leakage is reduced, and account security is improved. Users can choose to upgrade their wallet account type, thereby making full use of the various services provided by the operating institution's backend system. Users in special groups can open their desired digital wallet account type through the operating institution's backend system, lowering the barrier to entry for users of digital wallets and improving 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] The user is verified in response to a user's request to open a digital wallet;

[0006] If the verification is successful, the user wallet information is sent to the back-end system of the digital currency issuing institution, so that the back-end system of the digital currency issuing institution will send the user wallet information to the back-end system of the operating institution corresponding to the digital wallet.

[0007] After the operating institution's back-end system opens a digital wallet based on the user's wallet information and returns the opening result to the digital currency issuing institution's back-end system, and the digital currency issuing institution's back-end system associates the digital wallet with the user's digital RMB account, it receives the wallet opening result returned by the digital currency issuing institution's back-end system.

[0008] Optionally, verifying the user in response to a user's request to open a digital wallet includes: sending a request to an SMS service platform to obtain a verification code in response to the user's request to open a digital wallet, so that the SMS service platform sends a verification code to the user; receiving the SMS verification code returned by the SMS service platform and the verification code entered by the user, and completing user verification using the verification code returned by the SMS service platform and the verification code entered by the user.

[0009] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving real-name information and / or biometric information input by the user, and sending the real-name information and / or biometric information to the back-end system of the digital currency issuing institution, so that the back-end system of the digital currency issuing institution verifies the user based on the real-name information and / or biometric information.

[0010] Optionally, before receiving the user's input of real-name information and / or biometric information, the method further includes: receiving the user's input of wallet category information, and when the category information meets a preset category, obtaining and displaying the biometric information item corresponding to the wallet category, so as to remind the user to input biometric information according to the biometric information item.

[0011] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving wallet category information input by the user and the real-name information of the user corresponding to the wallet category, and sending the wallet category information and the real-name information of the user corresponding to the wallet category to the back-end system of the digital currency issuing institution for user verification.

[0012] Optionally, after receiving the wallet opening result returned by the digital currency issuing institution's backend system, the method further includes: receiving a wallet category upgrade request input by the user, determining the content to be verified corresponding to the upgrade request; and sending the upgrade request and the content to be verified to the operating institution's backend system, so that the operating institution's backend system verifies the user based on the upgrade request and the content to be verified, and upgrades the user's wallet category if the verification is successful.

[0013] Optionally, determining the content to be verified corresponding to the upgrade request includes: determining the first verification content of the current wallet category of the digital wallet and the second verification content of the wallet category corresponding to the request, and taking the part of the second verification content other than the first verification content as the content to be verified corresponding to the upgrade request.

[0014] Optionally, after the operator's back-end system opens a digital wallet based on the user's wallet information, the operator's back-end system, in response to the user's login to the operator's back-end system, pushes the opened digital wallet to the user.

[0015] According to a second aspect of the present invention, an apparatus for opening a digital wallet is provided, comprising:

[0016] The first information verification module verifies the user in response to the user's request to open a digital wallet;

[0017] The first wallet opening module, upon successful verification, sends the user's wallet information to the digital currency issuing institution's backend system, so that the digital currency issuing institution's backend system sends the user's wallet information to the backend system of the corresponding operating institution; after the operating institution's backend system opens the digital wallet based on the user's wallet information and returns the opening result to the digital currency issuing institution's backend system, and the digital currency issuing institution's backend system associates the digital wallet with the user's digital RMB account, it receives the wallet opening result returned by the digital currency issuing institution's backend system.

[0018] Optionally, the first information verification module verifies the user in response to the user's request to open a digital wallet, including: in response to the user's request to open a digital wallet, sending a request to obtain a verification code to an SMS service platform, so that the SMS service platform sends a verification code to the user; receiving the SMS verification code returned by the SMS service platform and the verification code entered by the user, and completing the user verification using the verification code returned by the SMS service platform and the verification code entered by the user.

[0019] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving real-name information and / or biometric information input by the user, and sending the real-name information and / or biometric information to the back-end system of the digital currency issuing institution, so that the back-end system of the digital currency issuing institution verifies the user based on the real-name information and / or biometric information.

[0020] Optionally, the first wallet opening module is further configured to: receive wallet category information input by the user before receiving the real-name information and / or biometric information input by the user; and when the category information meets the preset category, obtain and display the biometric information item corresponding to the wallet category to remind the user to input biometric information according to the biometric information item.

[0021] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving wallet category information input by the user and the real-name information of the user corresponding to the wallet category, and sending the wallet category information and the real-name information of the user corresponding to the wallet category to the back-end system of the digital currency issuing institution for user verification.

[0022] Optionally, the first wallet opening module is further configured to: after receiving the wallet opening result returned by the digital currency issuing institution's backend system, receive a wallet category upgrade request input by the user, determine the content to be verified corresponding to the upgrade request; and send the upgrade request and the content to be verified to the operating institution's backend system, so that the operating institution's backend system verifies the user based on the upgrade request and the content to be verified, and upgrades the user's wallet category if the verification is successful.

[0023] Optionally, determining the content to be verified corresponding to the upgrade request includes: determining the first verification content of the current wallet category of the digital wallet and the second verification content of the wallet category corresponding to the request, and taking the part of the second verification content other than the first verification content as the content to be verified corresponding to the upgrade request.

[0024] Optionally, after the operator's back-end system opens a digital wallet based on the user's wallet information, the operator's back-end system, in response to the user's login to the operator's back-end system, pushes the opened digital wallet to the user.

[0025] According to a third aspect of the present invention, another method for opening a digital wallet is provided, comprising:

[0026] The user is verified in response to a user's request to open a digital wallet;

[0027] If the verification is successful, the system receives the user's wallet information, opens the digital wallet based on the user's wallet information, and pushes the wallet opening result to the digital currency issuing institution's back-end system so that the digital currency issuing institution's back-end system can associate the digital wallet with the user's digital RMB account.

[0028] Optionally, in response to a user's request to open a digital wallet, verifying the user includes:

[0029] In response to a user's request to open a digital wallet, a request to obtain a verification code is sent to the SMS service platform;

[0030] After the user receives a verification code sent by the SMS service platform and enters the verification code, the user verification is completed using the verification code.

[0031] Optionally, the user wallet information includes: real-name information and / or biometric information;

[0032] Before opening the digital wallet based on the user's wallet information, the method further includes: verifying the user based on the real-name information and / or biometric information.

[0033] Optionally, receiving user wallet information input by the user includes: receiving wallet category information input by the user; when the category information meets a preset category, obtaining and displaying biometric information items corresponding to the wallet category to remind the user to input biometric information based on the biometric information items.

[0034] Optionally, the user wallet information includes: wallet category information and the real-name information of the user corresponding to the wallet category; before opening the digital wallet based on the user wallet information, it further includes: receiving the wallet category information and the real-name information of the user corresponding to the wallet category input by the user, and verifying the user based on the wallet category information and the real-name information of the user corresponding to the wallet category.

[0035] Optionally, the first wallet opening module is further configured to: after opening the digital wallet according to the user's wallet information, receive a wallet category upgrade request input by the user, determine the content to be verified corresponding to the upgrade request; verify the user based on the upgrade request and the content to be verified, and upgrade the user's wallet category if the verification is successful.

[0036] Optionally, determining the content to be verified corresponding to the upgrade request includes: determining the first verification content of the current wallet category of the digital wallet and the second verification content of the wallet category corresponding to the request, and taking the part of the second verification content other than the first verification content as the content to be verified corresponding to the upgrade request.

[0037] Optionally, after the digital wallet is opened based on the user's wallet information, the opened digital wallet is pushed to the user in response to the user's login operation.

[0038] According to a fourth aspect of the present invention, another apparatus for opening a digital wallet is provided, comprising:

[0039] The second information verification module verifies the user in response to the user's request to open a digital wallet;

[0040] The second wallet opening module, upon successful verification, receives the user's wallet information, opens the digital wallet based on the user's wallet information, and pushes the wallet opening result to the digital currency issuing institution's back-end system, so that the digital currency issuing institution's back-end system can associate the digital wallet with the user's digital RMB account.

[0041] Optionally, the second information verification module verifies the user in response to the user's request to open a digital wallet, including:

[0042] In response to a user's request to open a digital wallet, a request to obtain a verification code is sent to the SMS service platform;

[0043] After the user receives a verification code sent by the SMS service platform and enters the verification code, the user verification is completed using the verification code.

[0044] Optionally, the user wallet information includes: real-name information and / or biometric information; the second wallet opening module is further configured to: verify the user based on the real-name information and / or biometric information before opening the digital wallet according to the user wallet information.

[0045] Optionally, receiving user wallet information input by the user includes: receiving wallet category information input by the user; when the category information meets a preset category, obtaining and displaying biometric information items corresponding to the wallet category to remind the user to input biometric information based on the biometric information items.

[0046] Optionally, the user wallet information includes: wallet category information and the real-name information of the user corresponding to the wallet category; the second wallet opening module is further configured to: receive the wallet category information and the real-name information of the user corresponding to the wallet category input by the user before opening the digital wallet according to the user wallet information, and verify the user based on the wallet category information and the real-name information of the user corresponding to the wallet category.

[0047] Optionally, the second wallet opening module is further configured to: after opening the digital wallet according to the user's wallet information, receive a wallet category upgrade request input by the user, determine the content to be verified corresponding to the upgrade request; verify the user based on the upgrade request and the content to be verified, and upgrade the user's wallet category if the verification is successful.

[0048] Optionally, determining the content to be verified corresponding to the upgrade request includes: determining the first verification content of the current wallet category of the digital wallet and the second verification content of the wallet category corresponding to the request, and taking the part of the second verification content other than the first verification content as the content to be verified corresponding to the upgrade request.

[0049] Optionally, the second wallet opening module is further configured to: after opening the digital wallet based on the user's wallet information, push the opened digital wallet to the user in response to the user's login operation.

[0050] According to another aspect of the present invention, an electronic device for opening a digital wallet is provided, comprising:

[0051] One or more processors;

[0052] Storage device for storing one or more programs.

[0053] When the one or more programs are executed by the one or more processors, the one or more processors implement the method provided by the first or third aspect of the embodiments of the present invention.

[0054] According to another 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 or third aspect of the present invention.

[0055] One embodiment of the above invention has the following advantages or beneficial effects: managing personal digital RMB accounts and digital wallet accounts by different entities and opening different types of wallet accounts reduces the probability of user information leakage and improves account security; users can choose to upgrade their wallet account type, thereby making full use of the various services provided by the operating institution's back-end system; users in special groups can open the digital wallet account type they need through the operating institution's back-end system, lowering the threshold for users to use digital wallets and improving convenience.

[0056] The further effects of the aforementioned unconventional alternative methods will be explained below in conjunction with specific implementation methods. Attached Figure Description

[0057] The accompanying drawings are provided to better understand the invention and are not intended to unduly limit the scope of the invention. Wherein:

[0058] Figure 1 This is a schematic diagram of the main flow of a digital wallet opening method according to an embodiment of the present invention;

[0059] Figure 2 This is a schematic diagram illustrating the main process of opening a wallet through a digital RMB App according to an embodiment of the present invention;

[0060] Figure 3 This is a schematic diagram of wallet categories according to an embodiment of the present invention;

[0061] Figure 4This is a schematic diagram of the main modules of a digital wallet opening device according to an embodiment of the present invention;

[0062] Figure 5 This is a schematic diagram of the main flow of another method for opening a digital wallet according to an embodiment of the present invention;

[0063] Figure 6 This is a schematic diagram of the main process of opening a wallet through the back-end system of an operating institution according to an embodiment of the present invention;

[0064] Figure 7 This is an exemplary system architecture diagram in which embodiments of the present invention can be applied;

[0065] Figure 8 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

[0066] 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.

[0067] According to one aspect of the present invention, a method for opening a digital wallet is provided. This method is applied to applications of the digital yuan.

[0068] Figure 1 This is a schematic diagram illustrating the main flow of a digital wallet opening method according to an embodiment of the present invention. Figure 1 As shown, the method for opening a digital wallet according to an embodiment of the present invention includes: steps S101-S104.

[0069] Step S101: In response to the user's request to open a digital wallet, the user is verified;

[0070] Step S102: Determine whether the verification passes; if the verification passes, proceed to step S103; otherwise, the process ends.

[0071] Step S103: If the verification is successful, send the user wallet information to the back-end system of the digital currency issuing institution, so that the back-end system of the digital currency issuing institution will send the user wallet information to the back-end system of the operating institution corresponding to the digital wallet.

[0072] Step S104: After the operating institution's back-end system opens a digital wallet based on the user's wallet information and returns the opening result to the digital currency issuing institution's back-end system, and the digital currency issuing institution's back-end system associates the digital wallet with the user's digital RMB account, the system receives the wallet opening result returned by the digital currency issuing institution's back-end system.

[0073] To address at least one problem in the prior art, one embodiment of the present invention employs a decoupled architecture-based wallet opening scheme, achieving functional and permission separation between digital RMB accounts (or personal accounts) and digital wallet accounts. Under the distributed architecture shown in this embodiment, it is necessary to associate the digital RMB accounts managed by the digital RMB issuing institution's back-end system with the wallet accounts opened by the operating institution's back-end system, enabling users to use the digital wallet through the application maintained by the digital currency issuing institution's back-end system. Optionally, in this embodiment, a digital RMB App can receive user-inputted account information and send it to the digital currency issuing institution's back-end system; the digital currency issuing institution's back-end system then associates the user-inputted account with the digital wallet corresponding to the user-selected wallet category opened by the operating institution's back-end system through a mapping relationship. Through this association operation, the relationship between the digital RMB account and the digital wallet is established. In the distributed wallet architecture, each wallet is independent, and users need to enter the payment password for both their current digital wallet and digital RMB account when making transfers or purchases. Therefore, even if a digital RMB account is lost, the payment password for the digital wallet is still required to perform transfers or purchases.

[0074] In this invention, the digital currency adopts a two-tier operating system model: issuance by an issuing institution and operation by an authorized operating institution's back-end system. The back-end system of the operating institution, also known as the authorized operating institution's back-end system (or operating institution back-end system), provides services such as digital wallet opening and management. In one embodiment, a user can send a request to open a wallet to the operating institution's back-end system via a terminal device (hereinafter referred to as the user terminal). This terminal device can run various applications to enable user interaction, such as running a digital RMB application (hereinafter referred to as the digital RMB App). Before sending the request to open a wallet, the user's identity needs to be verified; for example, confirming whether the user has the permission to send a request using the application, or confirming whether the user has the permission to open a digital wallet. In this embodiment, the application can verify the user in response to the user's request to open a digital wallet. If the verification fails, the process ends. Otherwise, if verification is successful, the user wallet information is sent to the back-end system of the digital currency issuing institution. The back-end system of the digital currency issuing institution then sends the user wallet information to the back-end system of the operating institution. The back-end system of the operating institution opens a digital wallet based on the user wallet information and returns the opening result to the back-end system of the digital currency issuing institution. The back-end system of the digital currency issuing institution then associates the digital wallet with the user's digital RMB account. The user can receive the wallet opening result returned by the back-end system of the digital currency issuing institution through a terminal device, specifically an application running on it (such as the Digital RMB App). In actual use, since there are multiple authorized back-end systems of operating institutions, the digital wallets of each operating institution's back-end system are independently operated and maintained, while the user accounts of the applications (such as the Digital RMB App) are independently managed by the issuing institution of the digital currency. This distributed architecture, or decoupled architecture, ensures that the user accounts and digital wallets are managed by different institutions, effectively solving the problem of user information leakage. For example, if the user account is illegally obtained, the digital wallet information will not be illegally obtained along with it; thus ensuring the security of the user's real-name information and payment information associated with the digital wallet. Furthermore, with this architecture, when users encounter problems, the application's operating organization or the cryptocurrency issuer's backend system does not need to allocate a large amount of manpower for maintenance. Instead, users can directly seek solutions from the wallet operator's backend system.

[0075] Optionally, verifying the user in response to the user's request to open a digital wallet includes: sending a request to the SMS service platform to obtain a verification code in response to the user's request to open a digital wallet; and using the verification code to complete user verification after the user receives the verification code sent by the SMS service platform and enters the verification code.

[0076] like Figure 2In one embodiment shown, a user can request an SMS verification code from an SMS service platform (or SMS messaging service platform) via the Digital RMB App. After receiving the verification code from the SMS service platform and entering it, the user can use the verification code to complete user verification and confirm their identity.

[0077] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving real-name information and / or biometric information input by the user, and sending the real-name information and / or biometric information to the back-end system of the digital currency issuing institution, so that the back-end system of the digital currency issuing institution verifies the user based on the real-name information and / or biometric information.

[0078] like Figure 2 In one embodiment shown, wallet information refers to information related to the digital wallet, the specific content of which can be selectively set according to actual circumstances. Users can fill in user information (i.e., wallet information) through the Digital RMB App. The Digital RMB App sends this information to the backend system of the digital currency issuing institution (specifically, the Digital RMB App backend) for verification to ensure the security of opening a digital wallet. After confirmation, the information can be synchronized to the backend system of the operating institution, or the information can be encapsulated and sent to the backend system of the operating institution to initiate the wallet opening process. Optionally, the information entered by the user may include the user's real-name information and / or biometric information. Real-name information can be plaintext, such as a 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 bound 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 the wallet information further enhances the security of the wallet opening process.

[0079] Furthermore, before receiving the user's real-name information and / or biometric information, the system can also receive the user's input of wallet category information. If the category information meets a preset category, the system acquires and displays the biometric information item corresponding to the wallet category to remind the user to input biometric information based on the biometric information item. For example, digital wallets are pre-categorized based on the user information required to open a digital wallet. When the user's input wallet category information is higher than the preset wallet category, it indicates that the digital wallet the user intends to open has higher information security requirements. In this case, the system can acquire and display the biometric information item corresponding to that wallet category to remind the user to input biometric information based on the biometric information item, thereby verifying the user's identity based on the input biometric information.

[0080] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving wallet category information input by the user and the real-name information of the user corresponding to the wallet category, and sending the wallet category information and the real-name information of the user corresponding to the wallet category to the back-end system of the digital currency issuing institution for user verification.

[0081] To address the account security issues mentioned in this invention, one embodiment employs a scheme of opening categorized accounts. Specifically, as shown... Figure 3 As shown, this embodiment uses five types of wallet accounts. Each type of wallet account requires different user information to open, has different permissions, and is suitable for different user groups. Users can open the account type they need. For example, when overseas individuals use electronic payments in their home country, they can open one of the five types of wallets provided by the operating institution's backend system (i.e., Figure 3 (The wallet shown in the last column). Overseas individuals can exchange overseas cash or bank card funds for digital RMB and deposit them into an account opened in the operating institution's back-end system. Combined with... Figure 2 In the illustrated embodiment, to open a wallet of the desired type, the user needs to input wallet category information and the user's real-name information corresponding to that wallet category. The Digital RMB App sends this information to the digital currency issuing institution's backend system for user verification. After successful verification, the digital currency issuing institution's backend system encapsulates the information and sends it to the operating institution's backend system. The operating institution's backend system opens a digital wallet corresponding to the user's selected wallet category based on the user's wallet information sent by the digital currency issuing institution's backend system. In this embodiment, the wallet category division not only facilitates overseas users' use of electronic payments within the country but also reduces account risks for various user types. Under the distributed wallet architecture, each wallet is independent, and users need to enter the payment password of their current digital wallet and digital RMB account when performing operations such as transfers or purchases. Therefore, even if a digital RMB account is lost, the digital wallet's payment password is still required to perform transfers or purchases. Furthermore, since the user information associated with the five types of wallets is different, the risk of information leakage can be reduced.

[0082] After the operator's back-end system opens a digital wallet based on the user's wallet information, the operator's back-end system can respond to the user's login operation by pushing the opened digital wallet to the user so that the user can be informed of the relevant information of the newly opened digital wallet in a timely manner.

[0083] Optionally, after receiving the wallet opening result returned by the digital currency issuing institution's backend system, the method further includes: receiving a wallet category upgrade request input by the user, determining the content to be verified corresponding to the upgrade request; sending the upgrade request and the content to be verified to the operating institution's backend system, so that the operating institution's backend system verifies the user based on the upgrade request and the content to be verified, and upgrades the user's wallet category if the verification is successful.

[0084] After a user opens a digital wallet in the operator's backend system, the usage permissions the user can obtain are fixed. In order to enable users to flexibly adjust their digital wallet permissions and conveniently use the operator's various services, one embodiment of the present invention can also receive the user's wallet category upgrade request to adjust their wallet category.

[0085] In one embodiment, a wallet category upgrade request input by a user can be received via the Digital RMB App, and the user's real-name information required for the wallet category corresponding to the request can be received (see details). Figure 3 The system uses the user's real-name information required for the wallet category corresponding to the request as the content to be verified. The upgrade request and the real-name information of the wallet are sent to the back-end system of the operating institution. The back-end system of the operating institution then upgrades the user's wallet category, thereby enabling the user to obtain the required wallet category.

[0086] In practical applications, when determining the content to be verified corresponding to the upgrade request, the first verification content of the current wallet category and the second verification content of the wallet category corresponding to the request can be determined first. The part of the second verification content other than the first verification content is then used as the content to be verified corresponding to the upgrade request. For example, if the current wallet category and the upgraded wallet category have common verification parts, only the added verification content needs to be verified. For instance, if the user's real-name information has already been verified when opening a Class III wallet, and the real-name information and bank card binding are required when opening a Class II wallet, then when upgrading a digital wallet from Class III to Class II, only the verification of the bound bank card needs to be added. If a user requests to bind another user's bank card at the operating institution when upgrading a digital wallet from Class III to Class II, since the current operating institution has not verified the user's real-name information, the current operating institution also needs to verify the user's real-name information during the upgrade.

[0087] In practical use, the digital yuan app can automatically determine a user's permissions or wallet type based on the information provided. For example, if a user's current wallet type is Category IV, they can be guided to upgrade their wallet. Users who need it can upgrade their wallet permissions at that time or later.

[0088] According to a second aspect of the present invention, an apparatus for opening a digital wallet that implements the method of the first aspect of the present invention is provided.

[0089] Figure 4 This is a schematic diagram of the main modules of a digital wallet opening device according to an embodiment of the present invention, such as... Figure 4 As shown, the digital wallet opening device 400 includes:

[0090] The first information verification module 401 verifies the user in response to the user's request to open a digital wallet;

[0091] The first wallet opening module 402, upon successful verification, sends user wallet information to the digital currency issuing institution's backend system, so that the digital currency issuing institution's backend system sends the user wallet information to the backend system of the corresponding operating institution of the digital wallet; after the operating institution's backend system opens the digital wallet according to the user wallet information and returns the opening result to the digital currency issuing institution's backend system, and the digital currency issuing institution's backend system associates the digital wallet with the user's digital RMB account, it receives the wallet opening result returned by the digital currency issuing institution's backend system.

[0092] Optionally, the first information verification module verifies the user in response to the user's request to open a digital wallet, including: in response to the user's request to open a digital wallet, sending a request to obtain a verification code to an SMS service platform, so that the SMS service platform sends a verification code to the user; receiving the SMS verification code returned by the SMS service platform and the verification code entered by the user, and completing the user verification using the verification code returned by the SMS service platform and the verification code entered by the user.

[0093] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving real-name information and / or biometric information input by the user, and sending the real-name information and / or biometric information to the back-end system of the digital currency issuing institution, so that the back-end system of the digital currency issuing institution verifies the user based on the real-name information and / or biometric information.

[0094] Optionally, the first wallet opening module is further configured to: receive wallet category information input by the user before receiving the real-name information and / or biometric information input by the user; and when the category information meets the preset category, obtain and display the biometric information item corresponding to the wallet category to remind the user to input biometric information according to the biometric information item.

[0095] Optionally, sending user wallet information to the back-end system of the digital currency issuing institution includes: receiving wallet category information input by the user and the real-name information of the user corresponding to the wallet category, and sending the wallet category information and the real-name information of the user corresponding to the wallet category to the back-end system of the digital currency issuing institution for user verification.

[0096] Optionally, the first wallet opening module is further configured to: after receiving the wallet opening result returned by the digital currency issuing institution's backend system, receive a wallet category upgrade request input by the user, determine the content to be verified corresponding to the upgrade request; and send the upgrade request and the content to be verified to the operating institution's backend system, so that the operating institution's backend system verifies the user based on the upgrade request and the content to be verified, and upgrades the user's wallet category if the verification is successful.

[0097] Optionally, determining the content to be verified corresponding to the upgrade request includes: determining the first verification content of the current wallet category of the digital wallet and the second verification content of the wallet category corresponding to the request, and taking the part of the second verification content other than the first verification content as the content to be verified corresponding to the upgrade request.

[0098] Optionally, after the operator's back-end system opens a digital wallet based on the user's wallet information, the operator's back-end system, in response to the user's login to the operator's back-end system, pushes the opened digital wallet to the user.

[0099] According to a third aspect of the present invention, a second method for opening a digital wallet is provided, which can be applied to an operator's application.

[0100] Figure 5 This is a schematic diagram illustrating the main flow of a second method for opening a digital wallet according to an embodiment of the present invention. Figure 5 As shown, the method for opening a digital wallet according to an embodiment of the present invention includes: steps S501-S503.

[0101] Step S501: In response to the user's request to open a digital wallet, the user is verified;

[0102] Step S502: Determine whether the verification is successful; if the verification is successful, proceed to step S503; otherwise, the process ends.

[0103] Step S503: If the verification is successful, receive the user's wallet information, open the digital wallet according to the user's wallet information, and push the wallet opening result to the digital currency issuing institution's back-end system so that the digital currency issuing institution's back-end system can associate the digital wallet with the user's digital RMB account.

[0104] It should be noted that the digital currency account here refers to the personal account or user account mentioned earlier, which is managed by the back-end system of the digital currency issuing institution.

[0105] To facilitate the use of electronic payment methods by groups such as the elderly, foreigners, and people with disabilities, and to improve the security of digital wallet accounts, one embodiment of the present invention employs an operating institution's backend system to collect user information and open digital wallets for these groups. Specifically, as... Figure 6 In the illustrated embodiment, the operating institution's backend system responds to a user's request to open a digital wallet by verifying the user's identity to ensure the security of the wallet opening process. For example, as described below, user identity can be verified by sending an SMS verification code. If the verification fails, the process ends; otherwise, the system receives the user's wallet information and opens a digital wallet based on that information.

[0106] Optionally, verifying the user in response to the user's request to open a digital wallet includes: sending a request to the SMS service platform to obtain a verification code in response to the user's request to open a digital wallet; and using the verification code to complete user verification after the user receives the verification code sent by the SMS service platform and enters the verification code.

[0107] Optionally, after sending the user's wallet information to the digital currency issuing institution's backend system, the method further includes: responding to the user's query request, querying the opening status of the digital wallet, and if the digital wallet has been opened, returning the query result to the user terminal so that the user terminal can display the digital wallet.

[0108] It should be noted that this implementation example uses the operator's backend system to directly open digital wallets. Therefore, to facilitate users' inquiries about the opening status and subsequent use of the opened wallets through applications (such as the Digital RMB App), after logging into the Digital RMB App, users can send requests to the backend systems of various operators to check the opening status of their digital wallets. If a digital wallet has been opened, the operator's backend system returns the query result to the user's terminal, allowing the user to view and use the digital wallet. Otherwise, the user may be prompted with information such as "no wallet has been opened."

[0109] Optionally, the user wallet information includes: real-name information and / or biometric information; before opening the digital wallet based on the user wallet information, it further includes: verifying the user based on the real-name information and / or biometric information.

[0110] Real-name information can be plaintext, such as a 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). Wallet information refers to information related to the digital wallet, and its specific content can be selectively set according to actual circumstances. Users can fill in user information (i.e., wallet information) through the operating institution's app. The operating institution's app sends this information to the operating institution's backend system (specifically, the operating institution's app backend) for verification to ensure the security of opening a digital wallet. After confirmation, the information can be synchronized to the digital currency issuing institution's backend system, or the information can be encapsulated and sent to the digital currency issuing institution's backend system so that the digital currency issuing institution's backend system can associate the digital wallet with the user's digital RMB account. Biometric information refers to the user's biometric information, such as iris, facial information, and fingerprints. Verifying wallet information can further improve the security of the wallet opening process.

[0111] Furthermore, receiving user-inputted wallet information includes: receiving wallet category information input by the user; and when the category information meets a preset category, acquiring and displaying biometric information items corresponding to the wallet category to remind the user to input biometric information based on the biometric information items. For example, digital wallets are pre-categorized based on the user information required to open a digital wallet. When the user-inputted wallet category information is higher than a preset wallet category, it indicates that the digital wallet the user intends to open has higher information security requirements. In this case, biometric information items corresponding to that wallet category can be acquired and displayed to remind the user to input biometric information based on the biometric information items, thereby verifying the user's identity based on the biometric information input by the user.

[0112] Optionally, the user wallet information includes: wallet category information and the real-name information of the user corresponding to the wallet category; before opening the digital wallet based on the user wallet information, it further includes: receiving the wallet category information and the real-name information of the user corresponding to the wallet category input by the user, and verifying the user based on the wallet category information and the real-name information of the user corresponding to the wallet category.

[0113] This invention employs a scheme of opening categorized accounts to address the account security issues mentioned in this invention. Specifically, as... Figure 3As shown, this embodiment uses five types of wallet accounts. Each type of wallet account requires different user information to open, has different permissions, and is suitable for different user groups. Users can open the account type they need. For example, when overseas individuals use electronic payments in their home country, they can open one of the five types of wallets provided by the operating institution's backend system (i.e., Figure 3 (The wallet shown in the last column). Overseas individuals can exchange overseas cash or bank card funds for digital RMB and deposit them into an account opened in the operating institution's back-end system. Combined with... Figure 2 In the illustrated embodiment, to open a wallet of the desired type, a user needs to input wallet category information and the user's real-name information corresponding to that wallet category. The operating institution verifies the user based on this information. Upon successful verification, a digital wallet corresponding to the user's selected wallet category is opened. In this embodiment, the categorization of wallets not only facilitates electronic payments for overseas users within the country but also reduces account risks for various user types. Under a distributed wallet architecture, each wallet is independent. Users need to input the payment password for both their current digital wallet and their digital RMB account when making transfers or purchases. Therefore, even if a digital RMB account is lost, the digital wallet's payment password is still required to perform transfers or purchases. Furthermore, since the user information associated with the five wallet types is different, the risk of information leakage is reduced.

[0114] After the operator's back-end system opens a digital wallet based on the user's wallet information, the operator's back-end system can respond to the user's login operation by pushing the opened digital wallet to the user so that the user can be informed of the relevant information of the newly opened digital wallet in a timely manner.

[0115] Optionally, after opening the digital wallet based on the user's wallet information, a wallet category upgrade request input by the user is received, and the content to be verified corresponding to the upgrade request is determined; the user is verified based on the upgrade request and the content to be verified, and the user's wallet category is upgraded if the verification is successful.

[0116] After a user opens a digital wallet in the operator's backend system, the usage permissions the user can obtain are fixed. In order to enable users to flexibly adjust their digital wallet permissions and conveniently use the operator's various services, one embodiment of the present invention can also receive the user's wallet category upgrade request to adjust their wallet category.

[0117] In one embodiment, the operator's App can receive a user's wallet category upgrade request and receive the user's real-name information required for the wallet category corresponding to the request (see details). Figure 3The user's real-name information, which is required for the wallet category corresponding to the request, is used as the content to be verified. After successful verification, the user's wallet category is upgraded, thereby enabling the user to obtain the required wallet category.

[0118] In practical applications, when determining the content to be verified corresponding to the upgrade request, the first verification content of the current wallet category and the second verification content of the wallet category corresponding to the request can be determined first. The part of the second verification content other than the first verification content is then used as the content to be verified corresponding to the upgrade request. For example, if the current wallet category and the upgraded wallet category have common verification parts, only the added verification content needs to be verified. For instance, if the user's real-name information has already been verified when opening a Class III wallet, and the real-name information and bank card binding are required when opening a Class II wallet, then when upgrading a digital wallet from Class III to Class II, only the verification of the bound bank card needs to be added. If a user requests to bind another user's bank card at the operating institution when upgrading a digital wallet from Class III to Class II, since the current operating institution has not verified the user's real-name information, the current operating institution also needs to verify the user's real-name information during the upgrade.

[0119] In practice, the operating app can also automatically determine a user's permissions or wallet type based on the information provided. For example, if a user's current wallet type is Category 4, they can be guided to upgrade their wallet. Users who need it can upgrade their wallet permissions at that time or later.

[0120] According to another aspect of the present invention, a second device for opening a digital wallet is provided. The names of its various modules are... Figure 4 The embodiments shown are the same, but the functions implemented by each module are different, as described in detail below.

[0121] A device for opening a digital wallet includes:

[0122] The second information verification module verifies the user in response to the user's request to open a digital wallet;

[0123] The second wallet opening module, upon successful verification, receives the user's wallet information, opens the digital wallet based on the user's wallet information, and pushes the wallet opening result to the digital currency issuing institution's back-end system, so that the digital currency issuing institution's back-end system can associate the digital wallet with the user's digital RMB account.

[0124] Optionally, the second information verification module verifies the user in response to the user's request to open a digital wallet, including:

[0125] In response to a user's request to open a digital wallet, a request to obtain a verification code is sent to the SMS service platform;

[0126] After the user receives a verification code sent by the SMS service platform and enters the verification code, the user verification is completed using the verification code.

[0127] Optionally, the user wallet information includes: real-name information and / or biometric information; the second wallet opening module is further configured to: verify the user based on the real-name information and / or biometric information before opening the digital wallet according to the user wallet information.

[0128] Optionally, receiving user wallet information input by the user includes: receiving wallet category information input by the user; when the category information meets a preset category, obtaining and displaying biometric information items corresponding to the wallet category to remind the user to input biometric information based on the biometric information items.

[0129] Optionally, the user wallet information includes: wallet category information and the real-name information of the user corresponding to the wallet category; the second wallet opening module is further configured to: receive the wallet category information and the real-name information of the user corresponding to the wallet category input by the user before opening the digital wallet according to the user wallet information, and verify the user based on the wallet category information and the real-name information of the user corresponding to the wallet category.

[0130] Optionally, the second wallet opening module is further configured to: after opening the digital wallet according to the user's wallet information, receive a wallet category upgrade request input by the user, determine the content to be verified corresponding to the upgrade request; verify the user based on the upgrade request and the content to be verified, and upgrade the user's wallet category if the verification is successful.

[0131] Optionally, determining the content to be verified corresponding to the upgrade request includes: determining the first verification content of the current wallet category of the digital wallet and the second verification content of the wallet category corresponding to the request, and taking the part of the second verification content other than the first verification content as the content to be verified corresponding to the upgrade request.

[0132] Optionally, the second wallet opening module is further configured to: after opening the digital wallet based on the user's wallet information, push the opened digital wallet to the user in response to the user's login operation.

[0133] Figure 7 An exemplary system architecture 700 is shown that can be applied to the digital wallet opening method or digital wallet opening apparatus of embodiments of the present invention.

[0134] like Figure 7 As shown, system architecture 700 may include terminal devices 701, 702, and 703, network 704, and server 705 (this architecture is merely an example; the components included in a specific architecture may be adjusted according to the specific application). Network 704 serves as the medium for providing a communication link between terminal devices 701, 702, and 703 and server 705. Network 704 may include various connection types, such as wired or wireless communication links or fiber optic cables, etc.

[0135] Users can use terminal devices 701, 702, and 703 to interact with server 705 via network 704 to receive or send messages, etc. Various communication client applications can be installed on terminal devices 701, 702, and 703, such as shopping applications, web browser applications, search applications, instant messaging tools, email clients, social media platform software, etc. (for example only).

[0136] Terminal devices 701, 702, and 703 can be various electronic devices with displays and web browsing capabilities, including but not limited to smartphones, tablets, laptops, and desktop computers.

[0137] Server 705 can be a server providing various services, such as a backend management server supporting shopping websites browsed by users using terminal devices 701, 702, and 703 (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 devices.

[0138] It should be noted that the digital wallet opening method provided in the first and third aspects of the embodiments of the present invention can be executed by server 705, and correspondingly, the digital wallet opening device is disposed in server 705. Of course, the digital wallet opening method provided in the first and third aspects of the embodiments of the present invention can also be executed by terminal device, and correspondingly, the digital wallet opening device is disposed in terminal device.

[0139] It should be understood that Figure 7 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.

[0140] The following is for reference. Figure 8 It shows a schematic diagram of the structure of a computer system 800 suitable for implementing a terminal device of the present invention. Figure 8 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.

[0141] like Figure 8As shown, the computer system 800 includes a central processing unit (CPU) 801, which can perform various appropriate actions and processes based on programs stored in read-only memory (ROM) 802 or programs loaded from storage section 808 into random access memory (RAM) 803. The RAM 803 also stores various programs and data required for the operation of the system 800. The CPU 801, ROM 802, and RAM 803 are interconnected via a bus 804. An input / output (I / O) interface 805 is also connected to the bus 804.

[0142] The following components are connected to I / O interface 805: an input section 806 including a keyboard, mouse, etc.; an output section 807 including a cathode ray tube (CRT), liquid crystal display (LCD), etc., and speakers, etc.; a storage section 808 including a hard disk, etc.; and a communication section 809 including a network interface card such as a LAN card, modem, etc. The communication section 809 performs communication processing via a network such as the Internet. A drive 810 is also connected to I / O interface 805 as needed. A removable medium 811, such as a disk, optical disk, magneto-optical disk, semiconductor memory, etc., is installed on drive 810 as needed so that computer programs read from it can be installed into storage section 808 as needed.

[0143] 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 809, and / or installed from removable medium 811. When the computer program is executed by central processing unit (CPU) 801, it performs the functions defined above in the system of this invention.

[0144] 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.

[0145] 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.

[0146] The modules described in the embodiments of the present invention can be implemented in software or hardware. The described modules can also be housed in a processor; for example, a processor may be described as including an information verification module and a wallet opening module. The names of these modules do not necessarily limit the module itself; for example, the information verification module may also be described as "a module that verifies the user in response to a user's request to open a digital wallet."

[0147] 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, which, when executed by the device, cause the device to include:

[0148] In response to a user's request to open a digital wallet, the system verifies the user; if verification is successful, it sends the user's wallet information to the digital currency issuing institution's backend system, so that the digital currency issuing institution's backend system sends the user's wallet information to the backend system of the corresponding operating institution; after the operating institution's backend system opens a digital wallet based on the user's wallet information and returns the opening result to the digital currency issuing institution's backend system, and the digital currency issuing institution's backend system associates the digital wallet with the user's digital RMB account, the system receives the wallet opening result returned by the digital currency issuing institution's backend system; or...

[0149] In response to a user's request to open a digital wallet, the system verifies the user; if the verification is successful, it receives the user's wallet information, opens the digital wallet based on the user's wallet information, and pushes the wallet opening result to the digital currency issuing institution's back-end system, so that the digital currency issuing institution's back-end system associates the digital wallet with the user's digital RMB account.

[0150] According to the technical solution of the present invention, digital RMB accounts and digital wallet accounts are managed by different entities, and different types of wallet accounts are opened, which reduces the probability of user information leakage and improves account security. Users can choose to upgrade their wallet account type, thereby making full use of the various services provided by the operating institution's back-end system. Users of special groups can open the digital wallet account type they need through the operating institution's back-end system, which lowers the threshold for users to use digital wallets and improves convenience.

[0151] 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 of opening a digital wallet, characterized by, An application program applied to a digital renminbi, a digital renminbi issuing institution background system manages a digital renminbi account, and an operation institution background system provides a digital wallet opening service; the method comprises: verifying a user in response to a request of the user to open a digital wallet; in a case where the verification is passed, sending user wallet information to a digital currency issuing institution background system, so that the digital currency issuing institution background system sends the user wallet information to an operation institution background system corresponding to the digital wallet; after the operation institution background system opens a digital wallet according to the user wallet information and returns an opening result to the digital currency issuing institution background system, and the digital currency issuing institution background system associates the digital wallet with a digital renminbi account of the user, receiving a wallet opening result returned by the digital currency issuing institution background system.

2. The method of claim 1, wherein, verifying a user in response to a request of the user to open a digital wallet, comprising: in response to a request of the user to open a digital wallet, sending a verification code acquisition request to an SMS service platform, so that the SMS service platform sends a verification code to the user; receiving an SMS verification code returned by the SMS service platform and a verification code input by the user, and completing user verification by using the verification code returned by the SMS service platform and the verification code input by the user.

3. The method of claim 1, wherein, The sending of the user wallet information to the digital currency issuing institution background system comprises: receiving real-name information and / or biometric information input by the user, and sending the real-name information and / or biometric information to the digital currency issuing institution background system, so that the digital currency issuing institution background system verifies the user based on the real-name information and / or biometric information.

4. The method of claim 3, wherein, Before receiving the real-name information and / or biometric information input by the user, it further comprises: receiving wallet category information input by the user, and displaying a biometric information item corresponding to the wallet category when the category information meets a preset category, so as to remind the user to input biometric information according to the biometric information item.

5. The method of claim 1, wherein, The sending of the user wallet information to the digital currency issuing institution background system comprises: receiving wallet category information input by the user and real-name information of the user corresponding to the wallet category, and sending the wallet category information and the real-name information of the user corresponding to the wallet category to the digital currency issuing institution background system for user verification.

6. The method of claim 5, wherein, After receiving the wallet opening result returned by the digital currency issuing institution background system, it further comprises: receiving a wallet category upgrade request input by the user, and determining to-be-verified content corresponding to the upgrade request; sending the upgrade request and the to-be-verified content to the operation institution background system, so that the operation institution background system verifies the user based on the upgrade request and the to-be-verified content and upgrades the wallet category of the user in a case where the verification is passed.

7. The method of claim 6, wherein, The method comprises the following steps: determining first verification content of a current wallet category of the digital wallet and second verification content of a wallet category corresponding to the request, and taking a part of the second verification content except the first verification content as the to-be-verified content corresponding to the upgrade request.

8. The method of claim 1, wherein, After the operating agency background system opens the digital wallet according to the user wallet information, the operating agency background system pushes the opened digital wallet to the user in response to the operation of the user logging in the operating agency background system.

9. A device for opening a digital wallet, characterized in that, An application program applied to a digital renminbi, a digital renminbi issuing agency background system manages a digital renminbi account, and an operating agency background system provides an opening service of a digital wallet; the device comprises: A first information verification module verifies the user in response to a request of the user for opening a digital wallet; A first wallet opening module sends user wallet information to a digital currency issuing agency background system in a case where the verification is passed, so that the digital currency issuing agency background system sends the user wallet information to an operating agency background system corresponding to the digital wallet; after the operating agency background system opens the digital wallet according to the user wallet information and returns an opening result to the digital currency issuing agency background system, and the digital currency issuing agency background system associates the digital wallet with a digital renminbi account of the user, the wallet opening result returned by the digital currency issuing agency background system is received.

10. A method of opening a digital wallet, characterized by, A digital renminbi issuing agency background system manages a digital renminbi account, and an operating agency background system provides an opening service of a digital wallet; the method comprises: An application program of a digital renminbi verifies a user in response to a request of the user for opening a digital wallet, and sends user wallet information to a digital currency issuing agency background system in a case where the verification is passed; the digital currency issuing agency background system sends the user wallet information to an operating agency background system corresponding to the digital wallet; The operating agency background system opens the digital wallet according to the user wallet information and pushes a wallet opening result to the digital currency issuing agency background system, so that the digital currency issuing agency background system associates the digital wallet with a digital renminbi account of the user; After the digital currency issuing agency background system associates the digital wallet with the digital renminbi account of the user, the wallet opening result is pushed to the application program of the digital renminbi; the application program of the digital renminbi receives the wallet opening result returned by the digital currency issuing agency background system.

11. The method of claim 10, wherein, The method comprises the following steps: The application program of the digital renminbi sends a request for obtaining a verification code to an SMS service platform in response to the request of the user for opening the digital wallet, so that the SMS service platform sends the verification code to the user; The application program of the digital renminbi sends a request for obtaining a verification code to an SMS service platform in response to the request of the user for opening the digital wallet, so that the SMS service platform sends the verification code to the user; The application program of the digital renminbi receives the short message verification code returned by the short message service platform and the verification code input by the user, and completes user verification by using the verification code returned by the short message service platform and the verification code input by the user.

12. The method of claim 10, wherein, The method further includes the following steps: The method further includes the following steps:

13. The method of claim 12, wherein, Before receiving the real-name information and / or the biometric information input by the user, the application program of the digital renminbi receives wallet category information input by the user, and the application program of the digital renminbi displays the biometric information corresponding to the wallet category when the category information meets a preset category, so as to remind the user to input biometric information according to the biometric information.

14. The method of claim 10, wherein, The method further includes the following steps: The application program of the digital renminbi receives wallet category information input by the user and real-name information of the user corresponding to the wallet category, and the application program of the digital renminbi sends the wallet category information and the real-name information of the user corresponding to the wallet category to the digital currency issuing agency background system for user verification.

15. The method of claim 14, wherein, The method further includes the following steps: The application program of the digital renminbi receives a wallet category upgrade request input by the user, and the application program of the digital renminbi determines the to-be-verified content corresponding to the upgrade request; The application program of the digital renminbi sends the upgrade request and the to-be-verified content to the operation agency background system, so that the operation agency background system verifies the user based on the upgrade request and the to-be-verified content and upgrades the wallet category of the user if the verification is passed.

16. The method of claim 15, wherein, The application program of the digital renminbi determines the to-be-verified content corresponding to the upgrade request, including: the application program of the digital renminbi determines first verification content of a current wallet category of the digital wallet and second verification content of a wallet category corresponding to the request, and the application program of the digital renminbi takes a part of the second verification content other than the first verification content as the to-be-verified content corresponding to the upgrade request.

17. The method of claim 10, wherein, After the operation agency background system opens the digital wallet according to the wallet information of the user, the operation agency background system pushes the opened digital wallet to the user in response to an operation of the user logging in the operation agency background system.

18. An electronic device for digital wallet opening, characterized by, The method includes the following steps: one or more processors; a storage device configured to store one or more programs, The one or more programs, when executed by the one or more processors, cause the one or more processors to implement the method according to any one of claims 1-8.

19. A computer readable medium having stored thereon a computer program, characterized in that The program, when executed by the processor, implements the method according to any one of claims 1-8.

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