At the same time, the opening of digital wallet has the following rules:
1, Class III and above real-name wallets only support users above 16, and users below 16 only support opening non-real-name wallets.
2. In general, any natural person can apply for opening a digital wallet. At present, it is in the testing stage and adopts the white list mode, that is, only the public listed in the white list can open the digital wallet.
3. A kind of wallet requires users to bring their ID cards to the counter of bank outlets for on-site opening or upgrading.
4. If the wrong payment password is entered for 5 consecutive times, the payment function will be frozen. After freezing, you need to reset your password to use it.
It generally takes 12 basic steps to apply for opening a digital RMB wallet through a bank account.
(1) After receiving the user's account number and password information, the user access system of the opening bank sends an identity authentication request to the bank account access authentication system of the opening bank.
(2) The bank account access authentication system of the opening bank authenticates the user, and then returns the authentication result to the user access system of the opening bank.
(3) After the identity authentication is passed, the user access system of the bank will send the application information of digital currency wallet with the user's digital signature to the digital currency system of the bank.
(4) The digital currency system of the account opening bank verifies the user's digital signature, creates a digital currency wallet for the user and assigns a certificate to digital currency wallet after verification, adds the digital signature of the account opening bank to the wallet identification and certificate of digital currency wallet respectively, and then sends the wallet identification and certificate with digital signature to the digital currency system of the issuing bank.
(5) The issuer's digital currency system verifies the digital signature of the bank, and saves the wallet identification and digital currency wallet certificate after verification.
(6) The issuer's digital currency system returns the registration success information with the issuer's digital signature to the bank's digital currency system.
(7) The digital currency system of the opening bank verifies the digital signature of the issuing bank after receiving the registration success information, and sends the request information for binding the digital currency wallet to the account core system of the opening bank after passing the verification.
(8) The account core system of the bank will bind the bank account with digital currency wallet.
(9) The bank's digital currency system judges the type of wallet access authentication method. If the wallet access authentication method supports both bank account access and wallet independent access, it sends the user's wallet registration request information to the bank's wallet access authentication system.
(10) The account bank wallet access authentication system saves the user wallet registration request information, manages the certificate and private key in the user wallet registration request information, and sets the user access authentication mechanism.
(1 1) The bank's digital currency system returns the application success information to the bank's user access system.
(12) The user access system of the bank feeds back the information of successful application to the user.