IDA-based digital wallet initialization method and system and IDA-based digital wallet use method and system

The invention provides an IDA-based digital wallet initialization method and apparatus. The method comprises the steps of performing calculation according to a real electronic bank account of a user to generate an SM3 digital abstract; dividing 256 digits of the SM3 digital digest into two groups and carrying out exclusive-OR operation; dividing the result of the XOR operation into 26 groups; converting the binary value of each of the 26 groups into a decimal number; searching character representations corresponding to the decimal numerical values in a coding dictionary respectively, and splicing the character representations into a character string in sequence, the character string being the digital wallet ID; applying a secret key to a secret key center, the secret key center calculatesand generates a private key corresponding to the digital wallet ID, and the private key is returned and stored in a secret key security device of the digital wallet; and applying for account opening of the digital wallet ID f