CA2997635C

CA2997635C - Online payment verification method and online payment verification system

Info

Publication number: CA2997635C
Application number: CA2997635A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2014-09-25
Filing date: 2014-09-25
Publication date: 2023-02-07
Anticipated expiration: 2034-09-25
Also published as: CA2997635A1; WO2016045034A1; CN105518730A

Abstract

Disclosed in the present invention are an online payment verification method and an online payment verification system. The system comprises a paying party terminal device, a receiving party terminal device and an electronic currency verification centre. The electronic currency verification centre is used for performing authenticity verification of an electronic currency in a payment transaction according to a set electronic currency verification rule, upon receiving a payment request in an electronic currency clearing mode of the payment transaction. The electronic currency verification centre is also used for locating a bank server concerned by the payment transaction upon determining that the electronic currency has passed the authenticity verification thereof, sending the electronic currency to the bank server, and instructing the bank server to perform a payment amount transfer operation of the same value as the electronic currency. Implementation of the present invention can effectively combat the rampant activities of criminals who recklessly forge electronic currencies, curb the trend of counterfeit electronic banknotes spreading unchecked, and improve the security of online payments, and so will help to popularize electronic currencies.

Description

Title: Online Payment Verification Method And Online Payment Verification System Technical Field [1] The present invention relates to the field of network payment verification technology, and more particularly, to an online payment verification method and an online payment verification system.
Background Technology

[2] With the rapid development of Internet technology, user payment behaviour is slowly changing, and people are paying more and more on the Internet. Due to the short development time, the online payment technology still has the following disadvantages:

[3] First, the payment process is irreversible. In the process of payment, the flow of the payment amount is usually one-way. That is, the payment amount can usually only flow from one side of the payer to one side of the payee, and the payment behaviour of the payee with respect to the payer and the payment receipt of the payee with respect to the payee. The lack of confirmation of the process of behaviour, the uncertainty of payment is likely to bring potential security risks to both the payer and the payee.

[4] Second, due to the lack of an effective electronic money authenticity verification mechanism, the promotion and popularization of electronic money are greatly restricted.
Due to the online payment of electronic banknotes as a newly developed financial commodity, the related facilities and services are not perfect soon after they are released. For the time being, an electronic currency verification system for the authenticity of electronic banknotes has not been launched on the market, during the circulation of electronic banknotes, one of the payees cannot authenticate the electronic banknotes from the payer's side, and the rights and interests of the payee cannot be guaranteed at all. As a result, it is common for users to be deceived in the process of payment, which makes the popularization and popularization of electronic banknotes greatly limited.
Summary of the Invention

[5] The technical problem to be solved by the present invention is to provide an online payment verification method and an online payment verification system for the above Date Recue/Date Received 2020-11-20 defects in the existing technology.

[6] The technical solution adopted by the present invention for solving the technical problem is: constructing an online payment verification method, comprising the following steps:

[7] Si) When receiving a payment request in the form of electronic money settlement of an online payment transaction, the electronic money verification center performs authenticity verification on the electronic money of the online payment transaction according to the set electronic money verification rule;

[8] S2) The electronic money verifying center judges whether the electronic money passes the authenticity verification, and when the electronic money passes the authenticity verification, delivers the electronic money to the bank server involved in the online payment transaction and instructs the bank. The server performs a transfer operation equal to the payment amount of the electronic money.

[9] In the above online payment verification method of the present invention, before the step Si, the method further includes the following steps:

[10] SO) The electronic money verifying center stores in advance first payment verification information for online payment verification respectively reserved by each depositor.

[11] In the above online payment verification method of the present invention, the step Si further comprises: when receiving the payment request in the form of electronic money settlement submitted by the payment terminal device, the electronic money verification center delivers a payment request to the payee terminal. The device delivers the electronic money authenticity verification request and performs authenticity verification on the electronic money in the online payment transaction according to the set electronic money verification rule after receiving confirmation information returned by the payee terminal device for the electronic money verification request.

[12] In the above online payment verification method of the present invention, the step of performing authenticity verification on the electronic money in the online payment transaction according to the set electronic money verification rule in step Si specifically includes:

[13] The electronic money verification center extracts the first payment verification information included in the electronic money and searches the database for the second Date Recue/Date Received 2020-11-20 payment verification information reserved by the payer of the electronic money, and the first payment verification information is compared with the second payment verification information;

[14] In step S2, the step of the electronic money verification center determining whether the electronic money passes the authenticity verification specifically includes:

[15] If the electronic money verification center determines that the first payment information completely corresponds to the second payment verification information, the electronic money verification center allows the electronic money to pass the authenticity verification of the electronic money, and the electronic currency is determined to be the payable and settled electronic currency, and the prompt information is delivered to the payment terminal device and the payee terminal equipment that the payment exchange involves.

[16] If the electronic money verification center determines that the first payment information and the second payment verification information do not completely correspond to each other, the electronic money verification center prohibits the electronic money from authenticating through electronic money and determines that the electronic money is invalid obsolete electronic money, and delivers a prompt message indicating that the electronic money verification has failed to the payer terminal device and the payee terminal device involved in the online payment transaction.

[17] In the above online payment verification method of the present invention, the step S2 further includes:

[18] The electronic money verification center records the electronic money verification failure event and judges that the number of unsuccessful verification of electronic money involving the same payer exceeds the set upper limit of the number of failed verification of electronic money, and reduces the payment credit grade of the payer.

[19] The present invention also constructs an online payment verification system, which includes a payer terminal device and a payee terminal device, which is connected between the payer terminal device and the payee terminal device electronic money verification center, and a plurality of bank servers connected to the electronic money verification center:

[20] The payment terminal device is used to submit a payment request in the form of an Date Recue/Date Received 2020-11-20 electronic money settlement of any one of the online payment transactions to the electronic money verification center;

[21] The electronic money verification center is used for receiving the payment request and performing authenticity verification on the electronic money in the online payment transaction according to the set electronic money verification rule;

[22] The electronic money verifying center also judges whether the electronic money passes the authenticity verification, and when the electronic money passes the authenticity verification, delivers the electronic money to the bank server involved in the online payment transaction and instructs the bank. The server performs a transfer operation equal to the payment amount of the electronic money.

[23] In the above online payment verification system of the present invention, the electronic money verification center includes a database for storing first payment information reserved for online payment verification respectively reserved by respective depositors.

[24] In the above-mentioned online payment verification system of the present invention, the electronic money verification center further comprises a communication module and an electronic money verification module;

[25] The communication module is used to receive a payment request in electronic money settlement form submitted by the payee terminal device, and receive reply information for the payment request by the payee terminal device, and enter the reply information into the electronic currency verification module;

[26] The electronic money verification module is used to perform authenticity verification on the electronic money according to the set electronic money verification rule when receiving the reply information for indicating the verification of the electronic money verification operation;

[27] The electronic money verification module is further configured to generate prompt information for cancelling the electronic money verification operation when receiving the reply information for indicating that the electronic money verification operation is rejected, and deliver the prompt information to the electronic money verification server payment terminal device and the payee terminal device.

[28] In the above online payment verification system of the present invention, the electronic money verification module comprises an electronic money verification information Date Recue/Date Received 2020-11-20 extraction unit and an electronic money verification information comparison unit;

[29] The electronic money verification information extraction unit is used to extract first payment verification information in the electronic money;

[30] The electronic money verification information comparison unit is used to read second payment verification information of the database reserved by a payer of the electronic money, and compare the second payment verification information with the first payment verification information wherein the first payment verification information includes first account information and an encryption key used for secure payment, and the second payment verification information includes second account information and a decryption secret for solving the online payment transaction key;

[31] The electronic money verification information comparison unit is further configured to generate prompt information indicating that the electronic money verification is successful or not, when it is determined that the first payment information and the second payment verification information completely correspond to each other, or determine whether the first payment information matches when the second payment verification information does not completely correspond to each other, generating prompt information for verifying the failure of the electronic money verification, and inputting prompt information indicating the success / failure of the verification of the electronic money to the communication module;

[32] The communication module is further configured to forward the received prompt information indicating the success / failure of the electronic money verification to the payee terminal device and the payee terminal device involved in the online payment transaction.

[33] In the above-mentioned online payment verification system of the present invention, the electronic money verification center further comprises an electronic money verification result recording module and a payment credit evaluation module;

[34] The electronic money verification result recording module is used to record the authenticity verification result of the electronic money and write the record result into the database;

[35] The payment credit evaluation module is used to read the electronic money authenticity verification result stored in the database, and determine, according to the electronic Date Recue/Date Received 2020-11-20 money authenticity verification result, that the number of failed electronic money verification involving the same payer exceeds the set electronic money when the maximum number of verification failures is exceeded, the payment credit level of the payer is lowered.

[36] Since the online payment verification method and the online payment verification system of the present invention adopt the establishment of an electronic money verification center which is authorized by major banks and can be docked with major banks through which the electronic money verification center so that it overcomes the lack of effective supervision and authenticity verification mechanisms for various electronic currencies circulated in the network in the prior art, thereby resulting in the indiscriminate proliferation of forged electronic money, a defect that causes serious damage to the user's interests, to curb the trend of online proliferation of counterfeit electronic bills, effectively crack down on rampant acts of criminals wanton forgery of all kinds of electronic money, improve the security of online payment users, and thus to achieve the popularization of the electronic money to build a healthy and orderly online payment environment beneficial effects.
Brief Description

[37] Figure 1 is a schematic diagram of a first structure of an online payment verification system according to a preferred example of the present invention;

[38] Figure 2 is a second schematic structural diagram of an online payment verification system according to a preferred example of the present invention;

[39] Figure 3 is a block diagram of the electronic money verification center of the online payment verification system shown in Figure 1 and Figure 2;

[40] Figure 4 is a structural block diagram of the electronic money verification module of the electronic money verification center shown in Figure 3;

[41] Figure 5 is a flowchart of an online payment verification method according to a preferred example of the present invention.
Description of the Preferred Examples

[42] In order to solve the problem that there is no effective regulatory and authenticity verification mechanism for various electronic currencies circulated in the network in the existing technology, the fake electronic money is caused to overflow and the rights and Date Recue/Date Received 2020-11-20 interests of users in the payment process are severely damaged. The main innovation of the present invention lies in: 1) establishing an electronic money verification center 200 authorized by major banks and capable of performing business connection with major banks for conducting various electronic money circulating in the online payment process authenticity verification, the electronic money verification center 200 only receives the confirmation information of the same online payment transaction from the paying party and the receiving party, and the electronic money in the online payment transaction can only instruct it after it is verified by the security. The relevant bank performs the fund transfer operation to complete the online payment transaction so as to ensure the safety of the user in making the online payment; 2) the database 203 of the electronic money verification center 200 stores the electronic money verification record information for the user to inquire; 3) The electronic money verification center 200 has the function of depositors to pay credit rating, it can provide reference for users' online purchase and payment, and further improve the security of users' online payment.

[43] Since the present invention adopts the design of an electronic money verification center 200 authorized by major banks and capable of doing business with major banks through which the electronic money verification center 200 conducts authenticity verification on various electronic money circulating in online payment. Therefore, it solves the problems of lack of effective supervision and authenticity verification mechanisms for various electronic currencies circulated in the network in the existing technology, thereby resulting in the indiscriminate proliferation of forged electronic money and the technical problems that cause serious damage to the rights and interests of users, thus curbing the proliferation of counterfeit electronic banknotes and effectively cracking down on the rampant acts of criminals wantonly forging electronic money so as to enhance the security of users' online payment behaviour and then the purpose of building a healthy and orderly online payment environment is to realize the popularization and popularization of electronic money.

[44] In order to make the object of the present invention more comprehensible, the present invention will be further described in detail below with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

Date Recue/Date Received 2020-11-20

[45] Figure 1 is a first structural schematic diagram of the online payment verification system of the present invention. As shown in Figure 1, the online payment verification system of the present invention includes a payer terminal device 100, a payee terminal device 300, an electronic money verification center 200 connected between the payer terminal device 100 and the payee terminal device 300 And a bank server 400 connected to the electronic money verification center 200.

[46] Wherein, the payer terminal device 100 is used to receive a payer's payment command, and submit a payment request for online payment transaction to the electronic money verification center 200.

[47] The electronic money verification center 200 is used for receiving the payment request and performing authenticity verification on the electronic money in the online payment transaction according to the set electronic money verification rule.

[48] The electronic money verification center 200 is further configured to search the bank account of the payer bank of the electronic money and the bank server 400 corresponding to the bank account of the payer when the electronic money passes the authenticity verification of the electronic money. The debit bank account information is delivered to the bank server 400 and a debit request is submitted to the bank server 400.

[49] The bank server 400 is used to, when receiving the transfer request, transfer the funds equivalent to the electronic money from the payer bank account to the payee bank account.

[50] Wherein, the payer terminal device 100 and the payee terminal device 300 may be an existing information processing terminal such as a desktop computer or a laptop, and the electronic money authentication center 200 may be an authentication server.

[51] Figure 2 is a second schematic structural diagram of the online payment verification system of the present invention. The difference between the online payment verification system disclosed in Figure 2 and the online payment verification system disclosed in Figure 1 is that both the payer terminal device 100 and the payee terminal device 300 communicate with the electronic money verification center 200 through a wireless network. The payer terminal device 100 and the payee terminal device 300 may be existing information processing terminals such as a smart phone, a tablet computer and so on.

Date Recue/Date Received 2020-11-20

[52] As shown in Figure 3, the electronic money verification center 200 of the present invention includes an electronic money verification module 202, a communication module 201 electrically connected to the electronic money verification module 202, a database 203, and an electronic money electrically connected to the database 203, verification result record module 204, and a payment credit evaluation module 205.

[53] The database 203 prestores first payment verification information (including the first account information and the encryption key used for secure payment) reserved by each saver for online payment verification.

[54] The communication module 201 is used to receive a payment request of an online payment transaction submitted by the payer terminal device 100, and deliver the payment request to the electronic money verification module 202.

[55] The electronic money verification module 202 is used to deliver the electronic money verification request information of the online payment transaction to the payee terminal device 300 via the communication module 201 when receives the payment request.

[56] The communication module 201 is further configured to receive reply information for the electronic money verification request from the payee terminal device 300 and input the reply information into the electronic money verification module 202.

[57] The electronic money verification module 202 is further configured to, when receiving reply information for confirming the electronic money verification request, extract second payment verification information in the electronic money (including the second account information and the information for solving the payment of the online payment decryption key of the transaction), verifying authenticity of the electronic money according to the set electronic money verification rule, and delivering a reply message of rejecting the electronic money verification request to the payer terminal when receiving reply information of rejecting the electronic money verification request device 100 so that one of the payer / payee verifies and modifies the order information and payment amount of the online payment transaction.

[58] The electronic money verification result recording module 204 is used to record the electronic money verification result and write the record information to the database 203.

[59] The payment credit evaluation module 205 is used to invoke the electronic money Date Recue/Date Received 2020-11-20 verification result stored in the database 203 and determine, according to the electronic money verification result, that the number of failed electronic money verification involving the same payer exceeds the set number of failed electronic money verification limited time, reduce the payer's payment credit rating.

[60] As shown in Figure 4, the electronic money verification module 202 includes an electronic money verification information extraction unit 2021 and an electronic money verification information comparison unit 2022 electrically connected to the payment verification information and the database 203.

[61] The electronic money verification information extraction unit 2021 is used to extract first payment verification information containing the first account information and the encryption key used for secure payment in the electronic money, and input the first payment verification information to the electronic money verification information comparison unit 2022.

[62] The electronic money verification information comparison unit 2022 is used to invoke the second payment verification information in the database 203 reserved by the payer of the electronic money and including the second account information and the encryption key for secure payment and the second payment verification information and the first payment verification information are compared one by one to authenticate the electronic money, and the authenticity verification result of the obtained electronic money is input to the database 203.

[63] The following will illustrate the method for online payment verification of the present invention by taking the preferred example of the present invention as an example:

[64] As shown in Figure 5, in step S101, the electronic money verification center 200 stores the second payment verification information reserved by each saver via the database 203.

[65] In step S102, the payee / collector makes an online payment transaction through the respective payer terminal device 100 / payee terminal device 300, and the payment gateway determines, for the pen online payment transaction, through the payer terminal.
The device 100 submits a payment request in electronic money settlement form to the electronic money verification center 200. The electronic money verification center 200 receives the payment request through the communication module 201 and delivers the Date Recue/Date Received 2020-11-20 electronic money verification request of the online payment transaction to the payee terminal device 300 via the communication module 201.

[66] In step S103, if the communication module 201 receives the reply information for confirming the electronic money verification request of the payer terminal device 100, the communication module 201 inputs the confirmation information into the electronic money verification information extraction unit 2021. When receiving the confirmation information, the electronic money verification information extraction unit 2021 extracts the first payment verification information (including the first account information and the decryption key used for solving the online payment transaction) in the electronic money, and the first payment verification information is entered into the electronic currency verification information comparison unit 2022.

[67] If the communication module 201 receives the reply message of rejecting the electronic money verification request from the payer terminal device 100, the mobile phone number verifying module 202 generates the message for cancelling the electronic money verification operation, and delivers the message to the communication module 201 through the communication module 201. The prompt information is delivered to the payer terminal device 100 and the payee terminal device 300 respectively.

[68] In step S104, the electronic money verification information comparison unit 2022 reads the second payment verification information in the database 203 reserved by the payer of the electronic money and compares the second payment verification information with the first payment verification. The information is compared one by one.

[69] In step S105, if the electronic money verification information comparison unit 2022 determines that the first payment verification information and the second payment verification information do not completely correspond to each other, the next step S106 is executed; otherwise, the next step S107 is executed.

[70] In step S106, the electronic currency verification center 200 generates the prompt information of the electronic currency verification failure, and delivers the prompt information of the electronic currency verification failure to the above payment terminal equipment 100 and the receiver terminal equipment 300 through the communication module 201.

[71] In step S107, the electronic currency verification center 200 generates the prompt Date Recue/Date Received 2020-11-20 information of the successful electronic currency verification, and delivers the prompt information of the successful electronic currency verification to the above payment terminal equipment 100 and the receiver terminal equipment 300 through the communication module 201.

[72] In step S108, the electronic money verification center 200 searches for the bank account of the paying bank corresponding to the electronic money and the bank server corresponding to the bank account of the paying party, and delivers the electronic money and the bank account of the paying party to the bank server 400 and instructs the bank server 400 to perform a fund transfer operation equivalent to the electronic money.

[73] In step S109, the bank server 400 accepts the fund transfer request of the electronic money verification center 200 and transfers the money equivalent to the electronic money from the bank account of the payer to the bank account of the payee.

[74] The foregoing is merely a preferred example of the present invention and is not intended to limit the invention, and any modifications, equivalent substitutions and improvements within the spirit and principles of the invention are intended to be included in the scope of the invention.

Date Recue/Date Received 2020-11-20

Claims

Claims:

1. An online electronic currency payment verification method, comprising:
sending an authenticity verification request on electronic currency of an online payment transaction to a payee terminal, when receiving a payment request in the form of an electronic currency settlement of the online payment transaction from a payer terminal, wherein the electronic currency exists only electronically, and wherein the electronic currency comprises a payment amount of the electronic currency that is equivalent to a payment amount of funds;
performing authenticity verification on the electronic currency of the online payment transaction according to an electronic currency verification rule when receiving confirmation information of the authenticity verification request for the online payment transaction sent by the payee terminal, comprising:
extracting first payment verification information from the electronic currency, wherein the first payment verification information comprises first account information and an encryption key used for secure payment;
searching a database for second payment verification information pre-reserved by a payer of the electronic currency, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key; and comparing the first payment verification information with the second payment verification information to determine whether the first payment verification information matches the second payment verification information;
determining whether the electronic currency of the online payment transaction passes the authenticity verification; and if the electronic currency of the online payment transaction passes the authenticity verification:

Date Recue/Date Received 2022-06-07 searching for a bank account of a payer bank corresponding to the electronic currency settlement of the online payment transaction and a payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of a bank account of a payee bank to the payer bank server;
and submitting a transfer request to instruct the payer bank server to transfer the payment amount of funds to the bank account of the payee bank through a payee bank server for completing the online payment transaction.

2. The method of claims 1, further comprising storing the first payment verification information for the authenticity verification, wherein the first payment verification information is pre-reserved by a payer.

3. The method of claims 1, further comprising transmitting the authenticity verification request to the payee terminal upon receipt of the payment request submitted by the payer terminal to the payee terminal.

4. The method of any one of claims 1 to 3, wherein determining whether the electronic currency of the online payment transaction passes the authenticity verification comprises:
determining whether the first payment verification information completely matches the second payment verification information;
determining the electronic currency to be valid, payable, and settled in the online payment transaction; and delivering prompt information to the payer terminal and the payee terminal that the authenticity verification is passed or failed according to whether the first payment verification information does or does not completely match the second payment verification information, respectively.

5. The method of claim 4, wherein determining whether the electronic currency of the online payment transaction passes the authenticity verification further comprises:
recording an electronic currency authenticity verification failure;

Date Recue/Date Received 2022-06-07 determining whether a number of authenticity verification failures recorded involving the payer exceeds an upper limit of failed authenticity verifications; and if the number of authenticity verification failures recorded involving the payer exceeds the upper limit of failed authenticity verifications, reducing a payment credit grade of the payer.

6. The method of any one of claim 1 to 5, wherein the first payment verification information comprises first account information and an encryption key used for secure payment.

7. The method of any one of claim 1 to 6, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key.

8. The method of any one of claims 1 to 7, wherein the payer terminal is a desktop computer.

9. The method of any one of claims 1 to 7, wherein the payer terminal is a laptop.

10. The method of any one of claims 1 to 7, wherein the payer terminal is a smartphone.

11. The method of any one of claims 1 to 7, wherein the payee terminal is a desktop computer.

12. The method of any one of claims 1 to 7, wherein the payee terminal is a laptop.

13. The method of any one of claims 1 to 7, wherein the payee terminal is a smartphone.

14. The method of any one of claims 1 to 13, wherein an electronic currency verification center communicates with the payee terminal equipment and the payer terminal equipment over a wireless network.

15. The method of claim 14, wherein the electronic currency verification center is an authenticated server.

16. The method of any one of claims 14 to 15, wherein the electronic currency verification center Date Recue/Date Received 2022-06-07 is authorized by major banks and is configured to communicate with major banks.

17. An online electronic currency payment verification system, comprising:
a payer terminal, configured to:
submit a payment request for an electronic currency settlement of electronic currency of an online payment transaction, wherein the electronic currency exists only electronically, wherein the electronic currency comprises a payment amount of the electronic currency equivalent to a payment amount of funds;
a payee terminal, configured to:
deliver confirmation information of an authenticity verification request to an electronic currency verification center when receiving the authenticity verification request on the electronic currency of the online payment transaction sent by the electronic currency verification center;
the electronic currency verification center, configured to:
send the authenticity verification request on the electronic currency of the online payment transaction to the payee terminal when receiving the payment request;
receive the confirmation information of the authenticity verification request for the online payment transaction sent by the payee terminal; and determine whether the electronic currency of the online payment transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic Date Recue/Date Received 2022-06-07 currency, wherein the first payment verification information comprises first account information and an encryption key used for secure payment;
searching a database for second payment verification information pre-reserved by a payer of the electronic currency, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key;
comparing the first payment verification information with the second payment verification information to check whether the first payment verification information matches the second payment verification information; and if the electronic currency of the online payment transaction passes the authenticity verification:
searching for a bank account of a payer bank corresponding to the electronic currency settlement of the electronic currency of the online payment transaction and a payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of a bank account of a payee bank to the payer bank server; and submitting a transfer request to instruct the payer bank server to transfer the payment amount of funds to the bank account of the payee bank through a payee bank server for completing the online payment transaction;
a plurality of bank servers, configured to:
transfer the payment amount of funds from the bank account of the payer bank to the bank account of the payee bank;
wherein the electronic currency verification center is communicatively connected to the Date Recue/Date Received 2022-06-07 payer terminal and the payee terminal; and wherein the electronic currency verification center is communicatively connected to the payer bank server and the payee bank server.

18. The system of claim 17, wherein, if the electronic currency of the online payment transaction fails to pass the authenticity verification, causing an electronic currency authenticity verification failure, the electronic currency verification center is further configured to:
determine the electronic currency of the online payment transaction to be invalid, unpayable, and unsettled in the online payment transaction; and deliver prompt information to the payer terminal and the payee terminal that the authenticity verification is failed.

19. The system of claim 18, wherein the electronic currency verification center is further configured to:
record each electronic currency authenticity verification failure;
determine whether a number of authenticity verification failures recorded involving the payer exceeds an upper limit of failed authenticity verifications; and if the number of authenticity verification failures recorded involving the payer exceeds the upper limit of failed authenticity verifications, reduce a payment credit grade of the payer.

20. The system of claim 17, wherein the first payment verification information comprises first account information and an encryption key used for secure payment.

21. The system of claim 17, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key.

Date Recue/Date Received 2022-06-07

22. The system of claim 17, wherein the payer terminal is a desktop computer.

23. The system of claim 17, wherein the payer terminal is a laptop.

24. The system of claim 17, wherein the payer terminal is a smartphone.

25. The system of claim 17, wherein the payee terminal is a desktop computer.

26. The system of claim 17, wherein the payee terminal is a laptop.

27. The system of claim 17, wherein the payee terminal is a smartphone.

28. The system of any one of claims 17 to 27, wherein the electronic currency verification center communicates with the payee terminal and the payer terminal over a wireless network.

29. The system of any one of claims 17 to 28, wherein the electronic currency verification center is an authenticated server.

30. The system of any one of claims 17 to 29, wherein the electronic currency verification center is authorized by major banks and can be communicated with major banks.

31. An electronic currency verification center for electronic currency payments, comprising:
a database, configured to:
store second payment verification information that is pre-reserved by a customer for online payment verification;
an electronic currency verification module, configured to:
perform authenticity verification on the electronic currency of the online payment transaction according to an electronic currency Date Recue/Date Received 2022-06-07 verification rule when receiving confirmation information of the authenticity verification request for the online payment transaction sent by a payee terminal, wherein authenticity verification further comprises:
extracting first payment verification information comprised in the electronic currency, wherein the first payment verification infomiation comprises first account information and an encryption key used for secure payment;
reading second payment verification information stored in the database, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key; and comparing the second payment verification information with the first payment verification information to check whether the first payment verification information matches the second payment verification information;
generating prompt information for cancelling the electronic currency verification operation when receiving rejection information of the authenticity verification request from the payee terminal according to the payment request; and delivering the prompt information to a payer terminal and the payee terminal;
a communication module, configured to:
send an authenticity verification request on electronic currency of an online payment transaction to a payee terminal, when receiving a Date Recue/Date Received 2022-06-07 payment request in the form of an electronic currency settlement of the online payment transaction from a payer terminal, wherein the electronic currency exists only electronically, and the electronic currency comprises a payment amount of the electronic currency equivalent to a payment amount of funds;
receive confirmation/rejection information of the authenticity verification request from the payee terminal according to the payment request; and enter the confirmation/rejection information of the authenticity verification request into the electronic currency verification module;
an electronic currency verification result recording module, configured to:
record an authenticity verification result in the database;
wherein if the electronic currency of the online payment transaction passes the authenticity verification, the electronic currency verification center is further configured to:
search for a bank account of a payer bank corresponding to the electronic currency settlement of the online payment transaction and a payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of a bank account of a payee bank to the payer bank server and deliver the electronic currency to a bank server; and submit a transfer request to instruct the payer bank server to transfer the payment amount of funds to the bank account of the payee bank through a payee bank server for completing the online payment transaction.

Date Recue/Date Received 2022-06-07

32. The electronic currency verification center of claim 31, wherein the electronic currency verification module further comprises an electronic currency verification information extraction unit.

33. The electronic currency verification center of any one of claims 31 to 32, wherein the electronic currency verification module further comprises an electronic currency verification information comparison unit.

34. The electronic currency verification center of any one of claims 31 to 33, wherein the electronic currency verification information comparison unit is configured to:
read second payment verification information stored in the database;
compare the second payment verification information with the first payment verification information;
generate prompt information indicating that the authenticity verification is successful if the first payment verification information and the second payment verification information completely match each other;
generate prompt information indicating that the authenticity verification failed if the first payment verification information and the second payment verification information do not completely match each other; and deliver the prompt information to the communication module.

35. The electronic currency verification center of claim 34, wherein the first payment verification information comprises first account information and an encryption key used for secure payment.

36. The electronic currency verification center of claim 34, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key.

Date Recue/Date Received 2022-06-07

37. The electronic currency verification center of claim 34, wherein the communication module is further configured to forward the prompt information to the payee terminal and the payer terminal.

38. The electronic currency verification center of any one of claims 31 to 37, wherein the electronic currency verification center is communicatively connected to the payer terminal and the payee terminal.

39. The electronic currency verification center of any one of claims 31 to 38, wherein the electronic currency verification center is communicatively connected to a plurality of bank servers.

40. The electronic currency verification center of any one of claims 31 to 39, wherein the electronic currency verification center is authorized by major banks and can be communicated with major banks.

41. The electronic currency verification center of any one of claims 31 to 40, wherein the electronic currency verification center communicates with the payee terminal and the payer terminal over a wireless network.

42. The electronic currency verification center of any one of claims 31 to 41, wherein the electronic currency verification center is an authenticated server.

43. The electronic currency verification center of any one of claims 31 to 42, wherein the payer terminal is a desktop computer.

44. The electronic currency verification center of any one of claims 31 to 42, wherein the payer terminal is a laptop.

45. The electronic currency verification center of any one of claims 31 to 42, wherein the payer terminal is a smai __ tphone.

Date Recue/Date Received 2022-06-07

46. The electronic currency verification center of any one of claims 31 to 42, wherein the payee terminal is a desktop computer.

47. The electronic currency verification center of any one of claims 31 to 42, wherein the payee terminal is a laptop.

48. The electronic currency verification center of any one of claims 31 to 42, wherein the payee terminal is a smartphone.

49. A system for electronic currency payments, wherein the electronic currency exists only electronically, the system comprising:
a payer terminal comprising:
a computer-readable memory for storing processor-executable instructions;
a computer processor communicatively coupled with the memory, wherein upon execution of the processor-executable instructions, the processor is configured to:
receive a payment command;
submit a payment request in the form of an electronic currency settlement of an online payment transaction to an electronic currency verification center for performing authenticity verification on the electronic currency of the online payment transaction according to an electronic currency verification rule, to enable the electronic currency verification center to perform authenticity verification on the electronic currency of the online payment transaction according to an electronic currency verification rule when receiving confirmation information of an authenticity verification request for the online payment transaction, and to compare a second payment verification information with a first payment verification information to check whether the first payment Date Recue/Date Received 2022-06-07 verification information matches the second payment verification information for the authenticity verification;
receive prompt information indicating that the authenticity verification is successful if the first payment verification information and the second payment verification information completely match each other determined by the electronic currency verification center, to enable the electronic currency verification center to search for a bank account of a payer bank corresponding to the electronic currency settlement of the online payment transaction and a payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of a bank account of a payee bank to the payer bank server; and receive prompt information indicating that the authenticity verification failed if the first payment verification information and the second payment verification information do not completely match each other as determined by the electronic currency verification center, to enable the payer terminal to verify and modify order information and payment amount of the online payment transaction; and the electronic currency verification center, configured to:
determine whether the electronic currency of the online payment transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic currency, wherein the first payment verification information comprises first account information and an encryption key used for secure payment;
Date Recue/Date Received 2022-06-07 searching a database for second payment verification information pre-reserved by a payer of the electronic currency, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key;
comparing the first payment verification information with the second payment verification information to check whether the first payment verification information matches the second payment verification information; and if the electronic currency of the online payment transaction passes the authenticity verification:
searching for the bank account of the payer bank corresponding to the electronic currency settlement of the electronic currency of the online payment transaction and the payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of the bank account of the payee bank to the payer bank server; and submitting a transfer request to instruct the payer bank server to transfer the payment amount of funds to the bank account of the payee bank through a payee bank server for completing the online payment transaction;
wherein the payer terminal is communicatively connected to the electronic currency verification center, wherein the electronic currency verification center is configured to perform authenticity verification on the electronic currency of the online payment transaction according to an electronic currency verification rule when receiving a payment request sent by the payer terminal, wherein the electronic currency exists only electronically, and wherein the electronic currency comprises a payment amount of the electronic currency equivalent to the payment amount of funds.

Date Recue/Date Received 2022-06-07

50. The system of claim 49, wherein the payer terminal is a desktop computer.

51. The system of claim 49, wherein the payer terminal is a laptop.

52. The system of claim 49, wherein the payer terminal is a smartphone.

53. The system of any one of claims 49 to 52, wherein the electronic currency verification center communicates with the payee terminal and the payer terminal over a wireless network.

54. The system of any one of claims 49 to 53, wherein the electronic currency verification center is an authenticated server.

55. A system for electronic currency payments, wherein the electronic currency exists only electronically, the system comprising:
a payee terminal, comprising:
a computer-readable memory for storing processor-executable instructions;
a computer processor communicatively coupled to the memory, wherein upon execution of the processor-executable instructions, the processor is configured to:
deliver confirmation information of an authenticity verification request to an electronic currency verification center according to a payment request when receiving the authenticity verification request from the electronic currency verification center, to enable the electronic currency verification center to compare a second payment verification information with a first payment verification information to check whether the first payment verification information matches the second payment verification information for the authenticity verification wherein the first payment verification information comprises first account information and an encryption key used for secure payment, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key ;

Date Recue/Date Received 2022-06-07 receive prompt information indicating that the authenticity verification is successful if the first payment verification infomiation and the second payment verification information completely match each other as determined by the electronic currency verification center, to enable the electronic currency verification center to search for a bank account of a payer bank corresponding to electronic currency settlement of the online payment transaction and a payer bank server corresponding to the bank account of the payer bank, to deliver a payment amount of the electronic currency and information of a bank account of a payee bank to the payer bank server and deliver the electronic currency to one of a plurality of bank servers, and instruct the payer bank server to perform a transfer operation equal to the payment amount of the electronic currency to the bank account of the payee bank through a payee bank server for completing the online payment transaction;
and receive prompt information indicating that the authenticity verification failed if the first payment verification information and the second payment verification information do not completely match each other as determined by the electronic currency verification center, to enable the payee terminal to verify and modify order information and payment amount of the online payment transaction; and the electronic currency verification center, configured to:
send the authenticity verification request on the electronic currency of the online payment transaction to the payee terminal when receiving the payment request;

Date Recue/Date Received 2022-06-07 receive the confirmation information of the authenticity verification request for the online payment transaction sent by the payee terminal; and determine whether the electronic currency of the online payment transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic currency, wherein the first payment verification information comprises first account information and an encryption key used for secure payment;
searching a database for second payment verification information pre-reserved by a payer of the electronic currency, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key;
comparing the first payment verification information with the second payment verification information to check whether the first payment verification information matches the second payment verification information; and if the electronic currency of the online payment transaction passes the authenticity verification:
searching for the bank account of the payer bank corresponding to the electronic currency settlement of the electronic currency of the online payment transaction and the payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of the bank account of the payee bank to the payer bank server; and submitting a transfer request to instruct the payer bank server to transfer the payment Date Recue/Date Received 2022-06-07 amount of funds to the bank account of the payee bank through the payee bank server for completing the online payment transaction;
wherein the payee terminal is communicatively connected to the electronic currency verification center, wherein the electronic currency verification center is configured to perform authenticity verification on the electronic currency of an online payment transaction according to an electronic currency verification rule when receiving the confirmation information of the authenticity verification request sent by the payee terminal, wherein the electronic currency exists only electronically, and wherein the electronic currency comprises a payment amount of the electronic currency equivalent to the payment amount of funds.

56. The system of claim 55, wherein the payee terminal is a desktop computer.

57. The system of claim 55, wherein the payee terminal is a laptop.

58. The system of claim 55, wherein the payee terminal is a smailphone.

59. The system of claim 55, wherein the electronic currency verification center communicates with the payee terminal and a payer terminal over a wireless network.

60. The system of claim 55, wherein the electronic currency verification center is an authenticated server.

61. A system for electronic currency payments, wherein the electronic currency exists only electronically, the servers comprising:
a payer bank server, configured to:
receive a payment amount of an electronic currency and information of a bank account of a payee bank delivered by an electronic currency verification center, if the electronic currency in an online payment transaction passes an authenticity verification;
Date Recue/Date Received 2022-06-07 wherein the authenticity verification comprises comparing a first payment verification information with a second payment verification information to check whether the first payment verification information matches the second payment verification information, wherein the first payment verification information comprises first account information and an encryption key used for secure payment, and wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key;
transfer a payment amount of funds equivalent to the payment amount of the electronic currency from a bank account of a payer bank to the bank account of the payee bank;
wherein the payer bank server corresponds to the bank account of the payer bank, and wherein the bank account of the payer bank corresponds to electronic currency settlement of the online payment transaction;
a payee bank server, configured to deliver the amount of funds equivalent to the payment amount of the electronic currency to the bank account of the payee bank when receiving the payment amount of the electronic currency according to the transaction request delivered by the payer bank server; and the electronic currency verification center, configured to:
determine whether the electronic currency of the online payment transaction passes authenticity verification, comprising:

Date Recue/Date Received 2022-06-07 extracting first payment verification information from the electronic currency, wherein the first payment verification information comprises first account information and an enclyption key used for secure payment;
searching a database for second payment verification information pre-reserved by a payer of the electronic currency, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key;
comparing the first payment verification information with the second payment verification information to check whether the first payment verification information matches the second payment verification information; and if the electronic currency of the online payment transaction passes the authenticity verification:
search for the bank account of the payer bank corresponding to the electronic currency settlement of the electronic currency of the online payment transaction and the payer bank server corresponding to the bank account of the payer bank, to deliver the payment amount of the electronic currency and information of the bank account of the payee bank to the payer bank server; and submit a transfer request to instnict the payer bank server to transfer the payment amount of funds to the bank account of the payee bank through the payee bank server for completing the online payment transaction;
wherein the plurality of bank servers is communicatively connected to the electronic currency verification center, wherein the electronic currency verification center is configured to perform authenticity verification on the electronic currency of the online Date Recue/Date Received 2022-06-07 payment transaction according to an electronic currency verification rule when receiving a payment request sent by a payer terminal and confirmation information of an authenticity verification request sent by a payee terminal, wherein the electronic currency exists only electronically, and wherein the electronic currency comprises a payment amount of the electronic currency equivalent to the payment amount of funds.

62. The system of claim 61, wherein the payer terminal is a desktop computer.

63. The system of claim 61, wherein the payer terminal is a laptop.

64. The system of claim 61, wherein the payer terminal is a smartphone.

65. The system of claim 61, wherein the payee terminal is configured as a desktop computer.

66. The system of claim 61, wherein the payee terminal is a laptop.

67. The system of claim 61, wherein the payee terminal is a smai tphone.

68. The system of any one of claims 61 to 67, wherein the electronic currency verification center communicates with the plurality of servers over a wireless network.

69. The system of any one of claims 61 to 68, wherein the electronic currency verification center is an authenticated server.

70. An electronic currency verification center for electronic currency payments in an online payment transaction, the electronic currency verification center configured to:
determine whether the electronic currency of the online payment transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic currency, wherein the first payment verification information Date Recue/Date Received 2022-06-07 comprises first account information and an encryption key used for secure payment;
searching a database for second payment verification information pre-reserved by a payer of the electronic currency, wherein the second payment verification information comprises second account information and a decryption code for solving the encryption key;
comparing the first payment verification information with the second payment verification information to check whether the first payment verification information matches the second payment verification information; and if the electronic currency of the online payment transaction passes the authenticity verification:
search for a bank account of a payer bank corresponding to settlement of the electronic currency of the online payment transaction and a payer bank server corresponding to the bank account of the payer bank, to deliver a payment amount of the electronic currency and information of a bank account of a payee bank to the payer bank server;
and submit a transfer request to instruct the payer bank server to transfer the payment amount of funds to the bank account of the payee bank through a payee bank server for completing the online payment transaction.

Date Recue/Date Received 2022-06-07