CN108694579A - A kind of point-to-point and correspondent bank payment system based on internet platform - Google Patents
A kind of point-to-point and correspondent bank payment system based on internet platform Download PDFInfo
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- CN108694579A CN108694579A CN201810356397.6A CN201810356397A CN108694579A CN 108694579 A CN108694579 A CN 108694579A CN 201810356397 A CN201810356397 A CN 201810356397A CN 108694579 A CN108694579 A CN 108694579A
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- G—PHYSICS
- G06—COMPUTING OR CALCULATING; COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
- G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
- G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
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Abstract
Point-to-point and correspondent bank the payment system based on internet platform that the invention discloses a kind of, belongs to transaction system technical field;System includes internet payment platform, payment terminal and bank service end;Payment terminal sends ideal money redemption request to internet payment platform and is forwarded to bank service end through internet payment platform;Bank service end carries out the transfer operation of true legal tender and feeds back to payment platform transferring accounts successful prompt message;Payment platform is automatically generated and the ideal money of the amount of money of true legal tender equivalence and is stored in the corresponding virtual trading account of payment terminal according to prompt message.The advantageous effect of above-mentioned technical proposal is:It can realize complete and closed ideal money circulation frame, assign realistic price for ideal money, and strengthen the control to circulate to ideal money, ideal money facilitating transactions be carried out for user, to promote user experience;Meanwhile Third-party payment licence plate is eliminated, provide a kind of rational technical solution for the financial order and currency management of country.
Description
Technical field
The present invention relates to transaction system technical field more particularly to a kind of point-to-point and association silver based on internet platform
Capable payment system.
Background technology
With the development of network trading the relevant technologies, more and more users start to possess ideal money or token, and
Online transaction is carried out using these ideal moneys.By taking bit coin as an example, the generation of this type ideal money be purely by program from
It is dynamic to generate, and it is not contacted with the generation of true legal tender, so that ideal money itself does not carry any value, it can not
It is combined with practical application and carrys out solving practical problems, can not also be cashed.
In addition, on internet platform, the transaction and circulation of true legal tender are typically open, the net used
Upper transaction use it is most be all Third-party payment licence plate by the way of, therefore be easy to be free on except national financial system, it is unfavorable
In state supervision;Furthermore the decentralization of ideal money system itself also results in state supervision inability.Meanwhile state bank
The trading channel of Third-party payment licence plate, the process of Third-party payment licence plate and virtual trading so that state bank can only be become
Most basic payment function is largely lost, the means of payment of highly effective and safe can not be also formed, can't ensure to use
Fund security problem when family is traded on the internet.
Invention content
According to the above-mentioned problems in the prior art, a kind of point-to-point and association silver based on internet platform is now provided
The technical solution of capable payment system, it is desirable to provide a kind of complete and closed currency circulation frame assigns for ideal money
Realistic price, and the control to circulate to currency is strengthened, carrying out online trading for user provides facility, to promote user's body
It tests.
Above-mentioned technical proposal specifically includes:
A kind of point-to-point and correspondent bank payment system based on internet platform, wherein flat including internet payment
Platform and the multiple payment terminals remotely being connect with the internet payment platform, the internet payment platform also remotely connect
External bank service end;
In in the internet payment platform, for each payment terminal, the virtual trading of an ideal money is set
Account;
The payment terminal is supplied to user to send the currency conversion of the ideal money to the internet payment platform
Request;
The true of the currency conversion request is asked and be associated with to the currency conversion by the internet payment platform
The amount of money of legal tender is sent in the bank service end, to complete turning for the real money in the bank service end
Account is merchandised;
The internet payment platform is used to indicate the money transfer transactions success what the acquisition bank service end was sent
Prompt message after, the equivalent ideal money is generated according to the amount of money of the true legal tender, and will be described in generation
Ideal money imports in the corresponding virtual trading account;
The payment terminal is also provided to user by the internet payment platform, and institute is bought using the ideal money
State the equivalent commodity issued on internet payment platform.
Preferably, payment system, wherein preserved in the internet payment platform corresponding to each payment terminal
The virtual trading account account information;
The internet payment platform includes:
First transmission unit, the currency conversion for sending the payment terminal are asked and are converted with the currency
It changes and the amount of money of the relevant true legal tender is asked to be forwarded to the bank service end;
Redemption unit, for after the prompt message for receiving bank service end feedback, according to described true
The amount of money of legal tender generates the equivalent ideal money;
The ideal money that the internet payment platform is generated according to the redemption unit updates the corresponding void
The account information of quasi- trading account.
Preferably, payment system, wherein the redemption unit generates Program Generating institute using a preset ideal money
State ideal money;
Further include in the internet payment platform:
First lock cell connects the redemption unit, for generating program to the ideal money using first key
It is locked, is tampered with preventing the ideal money from generating program;
The first key is sent to preset third-party monitoring end to the internet payment platform or the bank takes
Business end is preserved, and in deleting the first key in the internet payment platform.
Preferably, the payment system, wherein during the money transfer transactions of the real money, the bank
Server-side is from the bank account for the user for sending out the currency conversion request is associated with to the bank of the internet payment platform
Account carries out transfer operation;
The one operation refusal unit of setting in the bank service end, for refusing the internet payment platform to described
All operations that the bank account of the internet payment platform in bank service end carries out.
Preferably, payment system, wherein multiple payment terminals include purchase terminal and sale terminal;
The sale terminal is used to upload the merchandise news for the commodity for needing to sell to the internet payment platform;
The account of the virtual trading account corresponding to each payment terminal is preserved in the internet payment platform
Family information;
Further comprise in the internet payment platform:
Commodity receiving unit, for receiving and preserving the merchandise news;
Release unit connects the commodity receiving unit, for issuing the commodity on the internet payment platform
Information;
Request reception unit is asked for receiving the purchase terminal for the purchase of the merchandise news;
Processing unit is separately connected the request reception unit and the commodity receiving unit, for according to the purchase
The transactional operation of the user to the corresponding commodity is completed in request, processing, and the corresponding virtual trading account it
Between complete the transfer operation of the ideal money;
Prompt unit connects the processing unit, is used for after the completion of the transactional operation, to the purchased commodity
The relevant sale terminal sends the prompt message being had been sold out for indicating the commodity.
Preferably, payment system, wherein in an authentication unit is arranged in each payment terminal;
The authentication unit in each payment terminal is to all institutes for occurring in the ideal money flow system
Transactional operation is stated to be recorded;
When being verified to the transactional operation, the authentication unit only in all payment terminals is remembered
When record has the transactional operation, the transactional operation just passes through verification.
Preferably, payment system, wherein the payment terminal is also provided to user and is sent out to the internet payment platform
The currency of the true legal tender is sent to convert to return hospitality and ask;
Further include in the internet payment platform:
Convert receipt member, the currency for being sent according to the payment terminal convert return hospitality ask and with the currency conversion
The amount of money of the relevant ideal money is asked to convert to form the equivalent true legal tender;
Second transmission unit converts receipt member described in connection, and the currency for sending the payment terminal, which is converted, returns hospitality
The amount of money of the true legal tender formed of asking and convert is forwarded to the bank service end, for the bank service end
From the bank account of the internet payment platform to be associated with send out the currency convert return hospitality the bank account of the user asked into
Row transfer operation;
The internet payment platform is according to the amount of money for asking the relevant ideal money with the currency conversion, update
The account information of the corresponding virtual trading account.
Preferably, payment system, wherein the receipt member of converting is using a preset true legal tender exchange program life
At the amount of money of the equivalent true legal tender;
Further include in the internet payment platform:
Second lock cell converts receipt member described in connection, for using true legal tender conversion described in the second key pair
Program is locked, to prevent the true legal tender exchange program to be tampered;
Second key is sent to a preset third-party monitoring end or the bank by the internet payment platform
Server-side is preserved, and in deleting second key in the internet payment platform.The beneficial effect of above-mentioned technical proposal
Fruit is:A kind of ideal money flow system is provided, complete and closed currency circulation frame can be realized, be assigned for ideal money
Realistic price is given, and strengthens the control to circulate to currency, carrying out online trading for user provides facility, to promote user
Experience;Meanwhile providing a kind of rational technical solution for the financial order and currency management of country.
Description of the drawings
Fig. 1 is in the preferred embodiment of the present invention, and the overall structure of point-to-point and correspondent bank payment system is illustrated
Figure;
Fig. 2 is the concrete structure schematic diagram of internet platform in the preferred embodiment of the present invention;
Fig. 3 is the operation principle schematic diagram of ideal money flow system in the preferred embodiment of the present invention.
Specific implementation mode
Following will be combined with the drawings in the embodiments of the present invention, and technical solution in the embodiment of the present invention carries out clear, complete
Site preparation describes, it is clear that described embodiments are only a part of the embodiments of the present invention, instead of all the embodiments.It is based on
Embodiment in the present invention, those of ordinary skill in the art obtained under the premise of not making creative work it is all its
His embodiment, shall fall within the protection scope of the present invention.
It should be noted that in the absence of conflict, the feature in embodiment and embodiment in the present invention can phase
Mutually combination.
The invention will be further described in the following with reference to the drawings and specific embodiments, but not as limiting to the invention.
According to the above-mentioned problems in the prior art, a kind of point-to-point and association silver based on internet platform is now provided
Capable payment system, the system is specifically as shown in fig. 1, including internet payment platform A and remote with internet payment platform A
Multiple payment terminal B of journey connection, internet payment platform A also remotely connect external bank service end C;
In in internet payment platform A, the virtual trading account of an ideal money is set for each payment terminal B;
The currency conversion that payment terminal B is supplied to user to send ideal money to internet payment platform A is asked;
The gold of the true legal tender of currency conversion request is asked and is associated in currency conversion by internet payment platform A
Volume is sent in the C of bank service end, to complete the money transfer transactions of true legal tender in the C of bank service end;
Internet payment platform A is used to indicate the successful prompt message of money transfer transactions what acquisition bank service end C was sent
Afterwards, equivalent ideal money is generated according to the amount of money of true legal tender, and the remittance of the ideal money of generation is corresponding virtual
In trading account;
Payment terminal B is also provided to user by internet payment platform A, is put down using ideal money purchase internet payment
The equivalent commodity issued on platform A.
Specifically, in the present embodiment, above-mentioned payment terminal B only carries out data transmission between internet payment platform A, mutually
Networking payment platform A carries out data transmission between the C of bank service end again, to realize the integrality and envelope of ideal money circulation
Closing property.
In the present embodiment, payment terminal B to internet payment platform A by way of sending currency conversion request using true
Real legal tender is exchanged to obtain equivalent ideal money.May include that the user is used for exchanging virtually in above-mentioned currency conversion request
The amount of money of the true legal tender of currency and the payment method etc. of user.
In the present embodiment, internet payment platform A asks the currency conversion after obtaining above-mentioned currency conversion request
(amount of money for including true legal tender therein) is sent to bank service end C.Above-mentioned bank service end C may include variant
The transaction processing server of bank, in primary transaction, the transaction processing server of internet payment platform A and some bank
Between carry out data transmission, and internet payment platform A should offer bank account in the bank.At bank service end
In C, asks to be associated with the bank account of the bank in the user-pay mode for including according to currency conversion and user pays
The amount of money of the true legal tender gone out carries out money transfer transactions, and corresponding true legal tender, which is transferred to internet payment platform, to exist
In the account opened up in the C of the bank service end.Since the server-side of each bank is different, only user is in internet branch
When bank where paying platform A equally offers bank account, above-mentioned money transfer transactions could be completed.Therefore, in payment terminal B
In operation interface, the bank of bank account pays the bill where being supplied to user that can only select internet payment platform A
Limitation, to ensure that the money transfer transactions on backstage are smoothed out.
In the present embodiment, after bank service end C completes above-mentioned money transfer transactions, bank service end C is flat to internet payment
Platform A feeds back one for indicating the prompt message that the relationship trading at bank end has been completed.Internet payment platform A confirms at this time
The cash transaction of bank service end C has been completed, and equivalent ideal money is automatically generated further according to the amount of money of true legal tender.
The total amount of the ideal money then to circulate between internet payment platform A and payment terminal B exists less than payment platform A forever
The total amount of money is deposited in the bank account opened up in the C of bank service end, therefore above-mentioned payment system being capable of the virtual goods of effective monitoring
The circulation of coin.Also, internet payment platform A and payment terminal B form a complete and closed flow of money change border, own
The currency to circulate in the flow of money change border is ideal money, to ensure that the currency peace in entire flow of money change border
Entirely.
In the present embodiment, user can also be done shopping using ideal money in ideal money flow system.Specifically,
Some commodity available for purchase can be issued on internet payment platform A, internet payment platform A just plays one commonly at this time
E-commerce platform function, and user can send purchase request to lead to by payment terminal B to internet payment platform A
The equivalent commodity of the ideal money purchase itself held are crossed, above-mentioned process of purchase is similar to traditional e-commerce platform, herein
It repeats no more.
And the virtual trading account of each payment terminal B is preserved in internet payment platform A, above-mentioned ideal money and
Transaction between commodity is carried out by the transfer operation between above-mentioned virtual trading account, and details are not described herein.
In the preferred embodiment of the present invention, the virtual trading account corresponding to each payment terminal is preserved in payment platform
Account information;
Then as shown in Figure 2, above-mentioned internet payment platform A includes:
First transmission unit A1, the currency conversion for sending payment terminal are asked and related to currency conversion request
The amount of money of true legal tender be forwarded to bank service end;
Redemption unit A2, for receive bank service end feedback prompt message after, according to true legal tender
The amount of money generates equivalent ideal money;
The ideal money that internet payment platform A is generated according to redemption unit A2 updates corresponding virtual trading account
Account information.
Further, redemption unit generates Program Generating ideal money using a preset ideal money;
Further include in payment platform:
First lock cell A3, connect redemption unit A2, for using a first key to ideal money generate program into
Row locking is tampered with preventing ideal money from generating program;
First key is sent to preset third-party monitoring end (not shown) and protected by internet payment platform A
It deposits, and in deleting first key in payment platform.
In the present embodiment, after internet payment platform A receives the prompt message of bank service end C feedbacks, internet
Payment platform A generates program by a pre-set ideal money, according to true legal tender based on this exchange
The amount of money automatically generates equivalent ideal money, and subsequent internet payment platform A is mutually applied according to the ideal money change generated
The account information of the virtual trading account at family increases the ideal money of respective numbers that is, in the virtual trading account of the user.
For example, the generation ratio of ideal money and true legal tender is 1 to 1, the true method that this purchase user pays
Order coin is 100 yuan, then above-mentioned ideal money, which generates program, finally can also generate 100 ideal moneys for users to use.
Above-mentioned ideal money generates program and first passes around the identification of third-party authentication mechanism and certification before formal use, with
The create-rule for ensureing ideal money, will not generate more or generate less ideal money.
Further, a key is also provided, which is supplied to A3 pairs of the first lock cell in internet payment platform A
Above-mentioned ideal money generates program and locking is encrypted, and program is generated by artificial to avoid the ideal money for having already passed through verification
It distorts, to influence the safety of the currency in ideal money flow system.
After locking is encrypted to ideal money generation program in above-mentioned first lock cell A3, payment platform A will be above-mentioned
Key is sent to a long-range third-party monitoring end (not shown) or is directly supervised by bank service end C.Simultaneously
Internet payment platform A actively deletes above-mentioned key.So, above-mentioned key exists only in third-party monitoring end or bank
In server-side C, program can not be generated to change ideal money by key unlock on payment platform, therefore it is flat to have prevented payment
The administrator or developer of platform distort the hidden danger that ideal money generates program privately.
The present invention preferred embodiment in, during the money transfer transactions of true legal tender, bank service end C from
The bank account for being associated with the user for sending out currency conversion request carries out the behaviour that transfers accounts to the bank account of internet payment platform A
Make;
The then one operation refusal unit (not shown) of setting in the C of bank service end, it is flat for refusing internet payment
All operations that platform A carries out the bank account of the payment platform in the C of bank service end.
Specifically, although offering the bank account of internet payment platform A, internet in the C of bank service end
Payment platform A haves no right that the bank account is accessed and operated, this is fundamentally to have broken off administrator or developer logical
The possibility that internet payment platform A voluntarily disposes true legal tender in bank account is crossed, bank is stored in ensure that
The currency safety of the true legal tender of account, then the user of ideal money flow system just can relievedly use within the system
With exchange ideal money.
In the preferred embodiment of the present invention, multiple payment terminal B include purchase terminal and sale terminal (in figure it is unified with
" payment terminal " indicates);
Sale terminal is used to upload the merchandise news for the commodity for needing to sell to payment platform;
The account information of the virtual trading account corresponding to each payment terminal B is preserved in internet payment platform A;
Further comprise in internet payment platform A:
Commodity receiving unit A4, for receiving and preserving merchandise news;
Release unit A5 connects commodity receiving unit A4, for the publishing commodity information on internet payment platform A;
Request reception unit A6 is asked for receiving purchase terminal for the purchase of merchandise news;
Processing unit A7 is separately connected request reception unit A6 and commodity receiving unit A4, for being asked according to purchase, place
Reason completes transactional operation of the user to corresponding commodity, and transferring accounts for ideal money is completed between corresponding virtual trading account
Operation;
Prompt unit A8, connection processing unit A7, for after the completion of transactional operation, being sold to purchased commodity are relevant
It sells terminal and sends the prompt message being had been sold out for indicating commodity.
In the present embodiment, above-mentioned internet payment platform A provides each payment terminal and carries out commodity purchasing and sell.Specifically
Ground, internet payment platform A is supplied to the correlation function that sale terminal uploads merchandise news and restocking is shown, and is supplied to purchase
Buy the correlation function of terminal browsing merchandise news and selection purchase.When user selects and buys certain commodity by buying terminal
Afterwards, internet payment platform A carry out from the background purchase terminal and the associated virtual trading account of sale terminal between it is virtual
Money transfer operates, and sends the prompt message that commodity have been sold out to sale terminal after operation terminates, for sale terminal
User makes respective reaction (such as send sold goods etc.).Above-mentioned prompt message can also first be sent to sale terminal, for
Sale terminal is confirmed.Above-mentioned processing unit A7 carries out the behaviour that transfers accounts between virtual trading account again after receiving acknowledgment
Make.
In the present embodiment, above-mentioned purchase terminal and sale terminal only for distinguishing the different user using payment terminal, and
The differentiation of non-pay terminal function itself, subsequently repeats no more.
In the preferred embodiment of the present invention, in an authentication unit (not shown) is arranged in each payment terminal B;
Authentication unit in each payment terminal B remembers the All Activity operation occurred in ideal money flow system
Record;
When being verified to transactional operation, the authentication unit only in all payment terminals, which records, transactional operation
When, transactional operation just passes through verification.
Specifically, in the present embodiment, each payment terminal B acts not only as buyer in entire ideal money flow system
And/or the role of seller is sold, the role of keeper is acted also as, i.e., each pen betides the transaction in ideal money flow system
(including buy commodity, sell goods, exchange ideal money and convert back true legal tender) can be circulated by ideal money
Each payment terminal B in system is recorded.And when being verified to a transaction, only in ideal money flow system
Each payment terminal B have recorded the transaction, which just passes through verification.
In the preferred embodiment of the present invention, payment terminal B is also provided to user and is sent really to internet payment platform A
The currency of legal tender is converted to return hospitality and be asked;
Still as shown in Figure 2, further include in internet payment platform A:
Receipt member A9 is converted, the currency for being sent according to payment terminal is converted to return hospitality and asks and asked with currency conversion relevant
The amount of money of ideal money converts to form equivalent true legal tender;
Receipt member A9 is converted in second transmission unit A10, connection, and the currency for sending payment terminal is converted to return hospitality and asks and change
It calculates the amount of money of true legal tender formed and is forwarded to bank service end, so that bank service end is from the bank account of payment platform
To be associated with send out currency convert return hospitality the user asked bank account carry out transfer operation;
Internet payment platform A updates corresponding virtual according to the amount of money for asking relevant ideal money with currency conversion
The account information of trading account.
In the present embodiment, above-mentioned convert back operates, internet payment platform A similar with ideal money exchange operation above
It receives after user converted by the payment terminal B currency sent and return hospitality and ask, using a preset true legal tender exchange program,
The amount of money for the equivalent true legal tender of amount of money generation for returning hospitality the ideal money for asking associated is converted by currency.
The amount of money for the true legal tender that conversion obtains is sent to bank service end C by subsequent internet payment platform A, silver
Row server-side C returns hospitality bank's account of the user asked according to the amount of money from the bank account of payment platform to being associated with to send out currency and convert
Family carries out transfer operation.After completing transfer operation, bank service end C can feed back a prompt to internet payment platform A
Information, with prompt payment internet platform A, this transaction has succeeded.
Further, it in preferred embodiment of the invention, still as shown in Figure 2, is also wrapped in internet payment platform A
It includes:
Receipt member A9 is converted in second lock cell A11, connection, for using the true legal tender conversion journey of one second key pair
Sequence is locked, to prevent true legal tender exchange program to be tampered;
Second key is sent to preset third-party monitoring end or directly by bank service end by internet payment platform A
C is preserved, and in deleting the second key in internet payment platform A.
The effect of above-mentioned second key is similar to the effect of first key above, and details are not described herein.
Similarly, above-mentioned true legal tender exchange program should also be as identifying and verifying by third party, true to ensure
Legal tender exchange program it is absolutely accurate.
In a preferred embodiment for showing the present invention in Fig. 3, the operation logic of payment system.
In Fig. 3, arm's length dealing can be carried out between payment terminal B1 and payment terminal B2, the intermediary of transaction is internet branch
Platform A is paid, payment terminal B1 and B2 can only establish data transmission and access between each other or between internet payment platform A
Contact.
Internet payment platform A is contacted with external bank service end C foundation.Bank service end C is just used for supervising at this time
Ideal money and ideal money is generated to withdraw deposit relevant key.
In the process of exchange carried out between above-mentioned payment terminal B1, B2 and payment terminal and internet payment platform A,
Above-mentioned payment terminal B1, B2 and internet payment platform A realize the book keeping operation function per transaction, make subsequently to check
With.
The foregoing is merely preferred embodiments of the present invention, are not intended to limit embodiments of the present invention and protection model
It encloses, to those skilled in the art, should can appreciate that all with made by description of the invention and diagramatic content
Equivalent replacement and obviously change obtained scheme, should all be included within the scope of the present invention.
Claims (8)
1. a kind of point-to-point and correspondent bank payment system based on internet platform, which is characterized in that including internet branch
The multiple payment terminals paid platform and remotely connect with the internet payment platform, the internet payment platform are also long-range
Bank service end outside connection;
In in the internet payment platform, for each payment terminal, the virtual trading account of an ideal money is set;
The currency conversion that the payment terminal is supplied to user to send the ideal money to the internet payment platform is asked;
The true legal of the currency conversion request is asked and be associated with to the currency conversion by the internet payment platform
The amount of money of currency is sent in the bank service end, to complete the friendship of transferring accounts of the real money in the bank service end
Easily;
The internet payment platform is used to indicate that the money transfer transactions successfully carry what the acquisition bank service end was sent
After showing information, the equivalent ideal money is generated according to the amount of money of the true legal tender, and by the described virtual of generation
Currency imports in the corresponding virtual trading account;
The payment terminal is also provided to user by the internet payment platform, is bought using the ideal money described mutual
The equivalent commodity issued on networking payment platform.
2. payment system as described in claim 1, which is characterized in that preserve each branch in the internet payment platform
Pay the account information of the virtual trading account corresponding to terminal;
The internet payment platform includes:
First transmission unit, the currency conversion for sending the payment terminal are asked and are asked with the currency conversion
The amount of money of the relevant true legal tender is asked to be forwarded to the bank service end;
Redemption unit, for after the prompt message for receiving bank service end feedback, according to described true legal
The amount of money of currency generates the equivalent ideal money;
The ideal money that the internet payment platform is generated according to the redemption unit updates the corresponding virtual friendship
The account information of easy account.
3. payment system as claimed in claim 2, which is characterized in that the redemption unit is using a preset ideal money life
At ideal money described in Program Generating;
Further include in the internet payment platform:
First lock cell connects the redemption unit, is carried out for generating program to the ideal money using first key
Locking is tampered with preventing the ideal money from generating program;
The first key is sent to preset third-party monitoring end or the bank service end by the internet payment platform
It is preserved, and in deleting the first key in the internet payment platform.
4. payment system as described in claim 1, which is characterized in that in the process of the money transfer transactions of the real money
In, the bank service end is from the bank account that sends out the user that the currency conversion is asked is associated with to the internet payment
The bank account of platform carries out transfer operation;
The one operation refusal unit of setting in the bank service end, for refusing the internet platform to the bank service
All operations that the bank account of the internet payment platform in end carries out.
5. payment system as described in claim 1, which is characterized in that multiple payment terminals include purchase terminal and sell
Terminal;
The sale terminal is used to upload the merchandise news for the commodity for needing to sell to the internet payment platform;
The account letter of the virtual trading account corresponding to each payment terminal is preserved in the internet payment platform
Breath;
Further comprise in the internet payment platform:
Commodity receiving unit, for receiving and preserving the merchandise news;
Release unit connects the commodity receiving unit, for issuing the merchandise news on the internet payment platform;
Request reception unit is asked for receiving the purchase terminal for the purchase of the merchandise news;
Processing unit is separately connected the request reception unit and the commodity receiving unit, for being asked according to the purchase,
Transactional operation of the user to the corresponding commodity is completed in processing, and is completed between the corresponding virtual trading account
The transfer operation of the ideal money;
Prompt unit connects the processing unit, is used for after the completion of the transactional operation, related to the purchased commodity
The sale terminal send the prompt message that is had been sold out for indicating the commodity.
6. payment system as claimed in claim 5, which is characterized in that single in one verification of setting in each payment terminal
Member;
All friendships of the authentication unit to occurring in the ideal money flow system in each payment terminal
It is easy to operate to be recorded;
When being verified to the transactional operation, the authentication unit only in all payment terminals, which records, to be had
When the transactional operation, the transactional operation just passes through verification.
7. payment system as described in claim 1, which is characterized in that the payment terminal is also provided to user to the interconnection
The currency that net payment platform sends the true legal tender is converted to return hospitality and is asked;
Further include in the internet payment platform:
Receipt member is converted, the currency for being sent according to the payment terminal is converted to return hospitality and asks and asked with the currency conversion
The amount of money of the relevant ideal money converts to form the equivalent true legal tender;
Second transmission unit, converts receipt member described in connection, the currency for sending the payment terminal convert return hospitality ask with
And the amount of money of the true legal tender that conversion is formed is forwarded to the bank service end, so that the bank service end is from institute
It states the bank account of internet payment platform and returns hospitality the bank account of the user asked and turn to being associated with to send out the currency and convert
Account operates;
The internet platform updates corresponding institute according to the amount of money for asking the relevant ideal money with the currency conversion
State the account information of virtual trading account.
8. payment system as claimed in claim 7, which is characterized in that the receipt member of converting is ordered goods using a preset true method
Coin exchange program generates the amount of money of the equivalent true legal tender;
Further include in the internet payment platform:
Second lock cell converts receipt member described in connection, for using true legal tender exchange program described in the second key pair
It is locked, to prevent the true legal tender exchange program to be tampered;
Second key is sent to a preset third-party monitoring end or the bank service by the internet payment platform
End is preserved, and in deleting second key in the internet payment platform.
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| CN201810356397.6A CN108694579A (en) | 2018-04-19 | 2018-04-19 | A kind of point-to-point and correspondent bank payment system based on internet platform |
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| CN201810356397.6A CN108694579A (en) | 2018-04-19 | 2018-04-19 | A kind of point-to-point and correspondent bank payment system based on internet platform |
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Cited By (1)
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| CN113762965A (en) * | 2021-09-13 | 2021-12-07 | 江苏苏宁银行股份有限公司 | Virtual transfer processing system and method for mobile terminal |
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Application publication date: 20181023 |