CN106033568A - Method and system for making payments via a value system based upon commodity assets - Google Patents
Method and system for making payments via a value system based upon commodity assets Download PDFInfo
- Publication number
- CN106033568A CN106033568A CN201510122873.4A CN201510122873A CN106033568A CN 106033568 A CN106033568 A CN 106033568A CN 201510122873 A CN201510122873 A CN 201510122873A CN 106033568 A CN106033568 A CN 106033568A
- Authority
- CN
- China
- Prior art keywords
- commodity
- marketmaker
- assets
- commodity assets
- gold
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Landscapes
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
The present disclosure provides a system for making payments via a value system based upon one or more commodity assets. The system includes an arrangement for maintaining one or more accounts in the value system, wherein the accounts have associated therewith one or more commodity assets, and an arrangement for diminishing or enhancing the one or more commodity assets associated with the one or more accounts in response to payments or receipts into the one or more accounts respectively. The system for making payments further includes an arrangement for using market makers for relating values of the one or more commodity assets to one or more monetary currencies employed for making the payments or receipts, wherein the market makers have external authorization outside a banking system.
Description
Technical field
The disclosure is usually directed to financial transaction system, and is particularly directed to by based on business
The system of values of product assets such as gold assets completes the system paid.Additionally, it relates to
The method completing to pay by system of values based on commodity assets such as gold assets.Further
Ground, the disclosure is about recording the software product on machine-readable data storage medium, wherein
This software product can be performed based on the hardware of the said method performed for realizing the disclosure.
Background technology
Gold is the rare metal in nature, and it is public that available gold about only has 165,000
Ton.Due to so rare total amount, it is compared to other more rich material of such as copper, one
Determine weight gold need high price legal tender, such as dollar (US) and Euro.Pass
On system, owing to gold can easily clear into above-mentioned legal tender, so gold is considered as
Safety and conservative investment, and be received in worldwide.In recent years,
Owing to investment gold is bright for the unstability ensureing antagonism legal tender system and risk
Intelligence, so the interest of investment gold is increasing as worldwide drama.When very long
Between in the cycle, and passed through inflation and deflation cycle, gold is continuously kept it
Purchasing power.Due to be compared to can by quantitative easing and similar inflation monetary policy with
And gold for the legal tender of such as stock, real estate, capital stock etc. the dilution of other forms
Value more they tend to stable, the tight demand that gold is all had by the current whole world, this is because with
Legal tender is compared, and a set of different social economy's system and culture excitation drive world wide
Gold bullion market.
But, the investor owing to specifying needs to ensure the safety of his/her gold assets,
Currently usually cannot realize with investment in gold.Additionally, buy in a large amount of for specifying investor
Gold, next maintain the safety of a large amount of gold and sell when the price of gold increases greatly
Amount gold is time consuming.Further, it is intended that investor in order to from his/her gold
Investment obtains optimum interests, needs to monitor continuously the price of gold.
Not currently exist to change not use with the price of gold and buy in, keep and sell
The known traditional method side group investor of gold performs the mechanism of its every Day Trading.
Accordingly, there exist for helping people perform its every Day Trading or increase phase with the price of gold
Associatedly increase its cash assets, and do not use and buy in, keep and sell the conventionally known of gold
The demand of the mechanism of method.
In nearest decades, global financial sector is from the list fixing its legal tender
Unit is developed to the constant of the gold determined, i.e. " golden standard ", and this is due to legal tender
Use and allow government to use the monetary policy of such as quantitative easing (QE) with in such as economic depression
Or financial crisis time weak encourages it economical period.But, this it is interpreted that " banknote prints
Brush " quantitative easing dilute the legal tender existed, and reduce this legal tender
To the purchasing power of cell.Additionally, the use of legal tender has made the financial sector can
Electronically being carried out, wherein the legal tender of specified amount can only pass through communication data from one
Individual is transferred to another.But, legal tender system the most increasingly lacks order, causes
For using the demand of safer investment way.But, more pacify as it was noted above, this
Full investment way is unpractical for the financial operation of every day.
Summary of the invention
It is complete that the disclosure is intended to provide a mean for system of values based on one or more commodity assets
Become the system and operational approach thereof paid.
In an aspect, present disclose provides operation for by based on one or more commodity
The system of values of assets completes the method for the system paid.The method includes: in system of values
Maintaining one or more account, wherein account has the one or more business being associated with himself
Product assets, in response to the payment in one or more accounts and income, be decreased or increased respectively with
One or more commodity assets that one or more accounts are associated, and use one or more
Marketmaker, with by one or more commodity assets be worth be used for pay and income
One or more currencys are associated, and wherein one or more marketmakers have in banking system
Outside external authentication.
The advantage of the method is, one or more accounts are defined by the amount of commodity assets, thus
The monetary value of the one or more accounts expressed with one or more legal tenders is to fluctuate at any time
, and simultaneously make buy and pay can be with the numeral expression side of one or more legal tenders
Formula occurs from one or more accounts；Even if when the experience dilution of one or more legal tenders,
Such as when there is the republican galloping inflation in Weimar of about nineteen twenty-three in history, account
Value in family remains unchanged.
Come advantageously by the one or more personal credit cards in use value system or debit card
Complete to pay or collect, wherein one or more personal credit cards or debit card can at one or
Multiple ATM (automated transaction machine) and/or one or more POS (point of sale) terminal use.
Furthermore it is advantageous that for authentication purpose, personal credit card or debit card are that less radio-frequency can
Identify and/or chip discernible.Selectively, one or more individuals pay bracelet, or
User's wearable items that person is similar to can be as one or more personal credit cards or debit card
Replacement is used for completing to pay with legal tender, and the such as commodity for every day mentioned above prop up
Pay.
One or more marketmakers be used for pay or during collecting in real time by one or
The value of the currency of multiple such as legal tenders is associated with one or more commodity assets.
Be embodied as one or more commodity assets including Base Metal, mineral, noble metal, gold,
At least one in silver, rare earth material, hydrocarbon fuel product and/or exotic material.
System of values is to provide letter to the one or more users being associated with one or more accounts
Breath, wherein information includes the instruction of one or more commodity assets, and wherein this instruction is expressed as
The weight of one or more commodity assets, volume, the quantity of physical component, real-time money market
At least one in value.
In another aspect, embodiment of the present disclosure provides for by based on one or many
The system of values of individual commodity assets completes the system paid.
In another aspect, embodiment of the present disclosure provides a kind of record machine-readable
Software product on non-momentary (nonvolatile) property data storage medium, thus this software product can
To run for implementing operation for by systems of values based on one or more commodity assets
It is performed during the hardware of method of the system completing to pay.
Embodiment of the present disclosure helps user to buy the commodity assets of such as gold, and actual
Them are occupied in Shangdi, and the such as legal tender of the commodity assets corresponding to buying is held in reception
Debit/the credit card of idle money balance of equal value, and use debit/credit card to order goods with the most multiple method
The multiple currency of coin pays or extracts cash.For still being not desired to take with oneself in the travelling of multiple countries
It is particularly useful with debit/credit card for the user of buckets of cash.In general present invention side
Help others perform every Day Trading or by the growth of the assets value price of the such as price of gold
Rise in value its cash assets, without the physical security of the assets worrying its such as gold, or
Buy in not necessarily in the traditional method bothered and be difficult to or sell gold.
By retouching in detail of accompanying drawing and the exemplary embodiment combining appended claims
Stating, the other side of the disclosure, advantage, feature and purpose will be apparent from.
It will be appreciated that inventive feature can combine with various combinations, without departing from by
The scope of the present invention that appended claims specifies.
Accompanying drawing explanation
By with reference to accompanying drawing, can be more fully understood that when reading summary of the invention above and under
The detailed description of the invention described in detail in literary composition.For the purpose of the diagram disclosure, show in the accompanying drawings
Go out disclosed example arrangement.But, the present invention be not limited to ad hoc approach disclosed herein and
Mechanism.Further, it will be understood by those skilled in the art that, accompanying drawing is not drawn to scale.As long as
May, identical element is by represented by identical mark.
Fig. 1 applies to put into practice the schematic diagram of the system of values of the various enforcements of the disclosure；
Fig. 2 is the step of the method for buying commodity assets in system of values according to the disclosure
Rapid schematic diagram；
Fig. 3 A and Fig. 3 B be according to the disclosure in system of values by use individual letter
The schematic diagram of the step of the method paid is completed with card or debit card；
Fig. 4 be according to embodiment of the present disclosure for bought by marketmaker and sell commodity money
The schematic diagram of the step of product method；And
Fig. 5 be operate according to the disclosure for by valencys based on one or more commodity assets
Valve system completes the schematic diagram of the operating procedure of the system paid.
Detailed description of the invention
In the following detailed description, describe the illustrative embodiment of the disclosure and it can
With the method being carried out.Although the optimal mode performing the present invention is disclosed, but art technology
Personnel are it is to be appreciated that it is also feasible for being used for performing or put into practice other embodiments of the present invention
's.
On the whole, the disclosure is about for by value based on one or more commodity assets
System realizes the system paid.This system includes: for maintaining one or many in system of values
The device of individual account, wherein account has the one or more commodity assets being associated with himself；
For in response to the payment in one or more accounts and income, it is decreased or increased respectively and one
Or the device of one or more commodity assets that multiple account is associated.For realize payment it is
System farther includes the device for using one or more marketmaker, and this marketmaker is for by one
Being worth and be used for paying and one or more circulations of income of individual or multiple commodity assets
Currency is associated, and wherein one or more marketmakers have the external authentication outside banking system.
Therefore present disclose provides replaceable system, this system can with existing known department of banking altogether
With work, or advantageously replace known banking system.
Referring now to accompanying drawing, especially by its reference encoder, Fig. 1 is by the value of 100 instructions
The schematic diagram of system, this system is suitable for putting into practice the various enforcements of the disclosure.System of values 100
Including user 102, keeping and be commissioned 104, bank account 105a that separates, 105b and 105c,
Commodity deposit torr 106, marketmaker 108, card issuing 109, Card processor 110, debit/credit card
112 and merchant tenninal 114.By use various technique devices, such as calculate device and with
So far one or more data communication networks that unknown mode mutually exchanges, system of values 100
It is advantageously implemented.
User 102 can be individual, corporate entity, non-profit organization etc..Additionally, keeping and
Be commissioned 104 can be the bank account of the separation in each administrative area, the whole world of management user 102
The global economy mechanism of 105a, 105b and 105c.In the exemplary embodiment, take care of and be subject to
Torr 104 can be to hold user's account in multiple separation by the International Banks of such as HSBC
The business trust company limited (Hong Kong) of the fund in 105a, 105b and 150c, this world silver
With currency before the trade, i.e. legal tender operation, such as dollar (USD), Hongkong dollar (HKD),
Sterling (GBP), Australian Dollar (AUD), Canadian dollar (CAD), French Franc (CHF), yen
(JPY), New Zealand Dollar (NZD), Thai Baht (THB), Singapore dollar (SGD),
Euro (EUR) and RMB (CNY).
In one embodiment, user 102 can hold bank account 105a, but does not has
Receive the qualification of the debit/credit card corresponding to bank account 105a.At another embodiment
In, user 102 does not the most have the bank account in specific tube area under one's jurisdiction, it is not intended that going this
Administrative area whilst on tour carries buckets of cash.
Commodity deposit torr 106 help provide and store one or more commodity assets, such as include but not
Be limited to Base Metal, mineral, noble metal, yellow gold, silver, rare earth material, hydrocarbon fuel product and/
Or raw material.In the exemplary embodiment, commodity are deposited and are ask 106 to include being adapted to assist in offer and depositing
The storage gold silver library member (LBMA) of gold, London/Zurich/Singapore storehouse and business trust
The network of company limited's gold keeping.
Marketmaker 108 is the 3rd (3rd) side service provider, and is to set up user 102, guarantor
Pipe and be commissioned 104, the non-bank of relation of torr 106 and card issuing 109 deposited by commodity, and
And allow independent of the traditional bank system using the i.e. legal tender of monetary value to be worth, with currently
The market price is sold essentially an immediately and buys in commodity capitals.In one embodiment, city is done
Business 108 holds the commodity assets of the first share depositing torr 106 from commodity, this first share simultaneously
Deposited safely in torr 106 itself deposited by commodity.Marketmaker 108 makes the user 102 can be from business
First share of product assets buys the commodity assets of the second share, and this second share quilt simultaneously
Deposit safely in torr 106 itself deposited by commodity.Due to logistics, transport and security vault it
The cost and risk that outer process commodity assets are relevant, user 102 and marketmaker 108 the most do not receive business
The physics of product assets occupies.In order to ensure the integrity of system 100, the activity quilt of marketmaker 108
Independent Audit side's (not shown) record is also audited；In the substandard situation of marketmaker,
System 100 can be configured to use interchangeable marketmaker 108.
In one embodiment, keeping and 104 management of being commissioned are for buying the commodity of the second share
The fund of assets is to the transfer of marketmaker 108.Marketmaker 108 with one or more currencys,
The form of such as legal tender keeps the weight of commodity assets, volume, the quantity of physical component,
And the record that money market is worth in real time, and according to the price fluctuation of potential commodity assets,
The fluctuation of the idle money balance of equal value of second share of continuously updated user 102.
Marketmaker 108 is further such that user 102 can be issued debit/credit by card issuing 109
Card 112, wherein this debit/credit card 112 provides corresponding in the second share deposited in 106
The right to use of the idle money balance of equal value of commodity assets.Debit/credit card 112 is can to run through many
The many goods used in various point of sales (POS) terminal 114a in individual administrative area and ATM114b
Coin card.In the exemplary embodiment, card issuing 109 can be include well-known such as
Master card, Visa, Diner club, Discover card, American Express Card, China Unionpay's card
And the member of the credit card association of credit card office of Japan (JCB), and this debit/credit card
112 can be used on global such as 2,300,000 ATM extraction is referred to as method order
The cash of the local currency of coin, or it is used for the appointing of card in the association that receives credit card
Commodity and service is bought at meaning.
When user 102 presents its card 112 to perform transaction in merchant tenninal 114, merchant tenninal
114 send certification request to card issuing 109 by the way of Card processor 110, and wherein card processes
Next device 110 sends certification request to marketmaker 108.Marketmaker 108 verifies about card 112
Whether available idle money balance of equal value be enough to pay this transaction.Commodity assets according to provisioned user
Total amount and the Vehicles Collected from Market price of these commodity assets, available idle money balance of equal value is by immediately
Estimation.When the idle money balance of equal value being associated with card 112 be enough to payment transaction, marketmaker 108
It is communicated the available idle money balance of equal value to card issuing 109, more neocaine 112, and also
Update the total amount/share of minimizing corresponding to the commodity assets of idle money balance of equal value being updated.Connect
The card issuing 109 that gets off sends authentication response by Card processor 110 to merchant tenninal 114, connects down
Carry out this Card processor 110 essentially in real time, such as, in several milliseconds, complete transaction.Implement at each
In mode, Card processor 110 provides between whole world POS/ATM network and card issuing 109
Link.Card processor 110 provides the transaction from marketmaker 108 to permit and to card issuing 109
Settlement information, wherein card issuing 109 receives settlement fund from marketmaker 108.
In one embodiment, fund is transferred to card issuing 109 by marketmaker 108 termly
So that card issuing 109 is able to carry out the transaction relevant to debit/credit card 112.A reality
Executing in example, the day that marketmaker 108 can arrange the fund being transferred to card issuing 109 every day is the highest
Limit.Therefore, being compared to the legacy system shifted by bank authentication and fund, marketmaker 108
Certification is provided to Card processor 109, and to its transfer fund for completing transaction.Optional
Ground, ATM 114b is a part for traditional bank system, but when user 102 uses card 112
When accessing ATM 114b, it sends certification request to marketmaker 108, namely for conventional silver
The entity terminal of row system rather than send certification request to corresponding card issuing；Conventional silver
Row system receives fund to process transaction from marketmaker 108.Therefore, marketmaker 108 fully keeps away
Opened traditional bank user 102 can be completed in merchant tenninal 114 buy or extract cash
Verification process.In a kind of mode, marketmaker 108 solves use traditional bank system and runs into
Problem, such as improper process commodity value in the way of favourable for bank, and by silver
Row provide commodity value be updated the most in real time, these problems can cause accounting error, to
Bank brings benefit and brings loss to user.
In FIG, illustrate only the enforcement that should excessively not limit scope of the claims herein
Example.Skilled artisans will appreciate that the multiple change of embodiments described herein, replacement and
Change.
Fig. 2 is the step of the method buying commodity assets in the system of values 100 according to the disclosure
Schematic diagram.The method is described as the series of steps of logic flow diagram form, and representing can
With the sequential steps being carried out in hardware, software, or a combination thereof.
In step 202, user 102 can register oneself by marketmaker 108.An embodiment party
In formula, user 102 can register oneself, wherein in the security website of marketmaker 108 online
User 102 can buy and sell one or more commodity assets, buy with multiple currency inspection
Commodity assets real-time monetary value, receive autotext and e-mail alert, reception profit and loss statement
Etc..In step 204, fund can be transferred to keeping and be commissioned 104 with from marketmaker by user
The 108 commodity assets buying the first total amount.In one embodiment, fund can be with not Tongfang
Formula is added, the physical method of the most such as cash or check and such as from another account
The electronic method of remittance.
In step 206, fund can be from keeping be commissioned and 104 be transferred to marketmaker 108 to buy
The commodity assets of the first total amount, wherein marketmaker 108 writing from memory with such as dollar (US $, USD)
Recognize legal tender operation.In one embodiment, marketmaker 108 can specify that user must buy
Enter the minimum total amount of the commodity assets bought.For buying the commodity assets of the first total amount
Required total amount of the fund can be calculated by equation 1 (Eq.1):
RF=ACAUPFXMMMM Eq.1
Wherein,
RF=necessary fund；
ACA=commodity assets total amount；
FXM=foreign exchange guarantee fund；
MMMThe profit of=marketmaker 108；And
Wherein, foreign exchange guarantee fund is the currency conversion expense to default currency, and marketmaker 108
Profit corresponding to the service fee of marketmaker 108.
In one embodiment, if user 102 is desirable for the method for its sterling (GBP) form
10 grams of gold bought by order coin, next need the fund being transferred to marketmaker 108 to would is that 10
The real-time monetary value of gram gold, take from the currency conversion of GBP to USD and marketmaker 108
The summation of service fee.
In step 208, marketmaker 108 by depositing a share of the commodity assets in torr 106 by commodity
Distribute to user 102, sell user 102 by the commodity assets of the first total amount.An embodiment party
In formula, marketmaker 108 will deposit, at commodity, the commodity assets from marketmaker self held in the palm in 106
One share distributes to user 102.Use is given by the commodity asset allocation of the first total amount marketmaker 108
After family 102, acknowledgement notification will be sent to user 102 by SMS and/or Email, its
Middle confirmation includes the total amount of commodity assets and the current market value bought.
In one embodiment, marketmaker 108 maintain one or more conversion table with create/more
New of equal value idle money balance, such as corresponding to more than the legal tender of the commodity assets being assigned to user
Volume, and the fluctuation according to the market price form with potential commodity assets, continuous updating user
Any fluctuation of the idle money balance of equal value of 102.
Finally, in step 210, marketmaker 108 makes card issuing 109 can borrow to user's distribution
Note/the credit card 112, wherein debit/credit card 112 can use idle money balance of equal value, such as corresponding
The legal tender remaining sum of the commodity assets bought by user 102, say, that card is technically
Not for fund, until one or more commodity assets are bought in by one or more marketmakers 108；
But, one or more marketmakers maintain cash flow to be supplied with guarantee user 102 publisher,
Namely " be capped ", although cash flow optionally suffer by publisher or one or
Extract the every day that multiple marketmakers 108 are arranged and limit.It is to say, card is not for base technically
Gold, until assets are bought in by marketmaker；But, marketmaker maintains the cash flow of publisher
To ensure that client is capped, this every day that perhaps can be subjected to be sent out by distribution or marketmaker is arranged carries
Take limit.
In one embodiment, debit/credit card 112 can idle money balance of equal value can basis
Fluctuating with the fluctuation of market price form of potential commodity assets.In general, method is ordered goods
Coin has inflationary trend, and this is the government's system being just correlated with due to more legal tender
Make, such as quantitative easing with the result stimulated economic growth, and by increasing user's
The value expressed with legal tender of allocated commodity assets, this fluctuation is tended to user
Favorably.
In the exemplary embodiment, if distributing to the commodity assets of user, such as gold
Value is $ 2,000USD, then user can obtain close by its debit/credit card 112
The idle money balance of equal value of $ 2,000USD.If the value of gold rises to $ 2,100.00, then etc.
Valency idle money balance will rise to close to $ 2,100.00USD.If on the contrary, the value fall of gold bar
As little as $ 1,900.00, then idle money balance of equal value will decrease to close to $ 1,900.00USD.Therefore,
User 102 will be benefited from the fluctuation of the market price of commodity assets or damaged.
Fig. 2 is only example, and it can't excessively limit scope of the claims herein.Ability
Field technique personnel are it will be appreciated that the multiple change of embodiments described herein, replace and change.
Fig. 3 be according to the disclosure for by use individual debit/credit card 112 be worth system
System 100 completes the schematic diagram of the step of the method paid.The method is described as be in logic flow
Series of steps in figure, represents the order that can implement in hardware, software, or a combination thereof
Step.
In step 302, user presents debit/credit card 112 to complete transaction in merchant tenninal 114.
Merchant tenninal 114 can be to aid in buying POS terminal 114a of goods/services or help carries
The ATM 114b of enchashment gold.When receiving transaction request, merchant tenninal 114 is processed by card
Device 110 sends certification request to complete transaction to card issuing 109.Certification request can include all
Such as debit/credit card number, transaction total amount and/or the details of merchant identification.
It is compared to the tradition that certification request is sent to the bank of user 102 from card issuing 109
System, in step 304, certification request is sent to marketmaker 108 from card issuing 109.As
The marketmaker 108 of the entity beyond traditional bank system make user 102 can sell immediately and
Buy in commodity assets without regard to its bank.
In step 306, marketmaker 108 verifies whether the idle money balance available of equal value of card 112 be enough to
Become transaction.Marketmaker 108 maintain one or more conversion table thus with different currency calculate one or
The real-time monetary value of multiple commodity assets, namely legal value.In illustrative embodiments
In, when commodity assets are gold, marketmaker 108 uses equation 2 below (Eq.2) to calculate
Available idle money balance of equal value:
ACEB=GgbGpFXMMAGMGMMM Eq.2
Wherein,
ACEB=available idle money balance of equal value；
Ggb=gold grams remaining sum；
The Gp=price of gold, namely the current one price of gold
FXM=foreign exchange guarantee fund's (if there is)；
GMMMThe gold profit of=marketmaker 108；And
Wherein,
Gold grams remaining sum is the weight of the gold being assigned to user 102 in torr 106 deposited by commodity
Amount；And
When the currency of merchant tenninal 114, i.e. legal tender are not dollar but marketmaker 108 silent
Know goods coin time, foreign exchange guarantee fund is currency conversion expense.But, it will be understood that, as
The drop of " petrodollars " of the result of " peak oil opinion " will cause other legal tender
Become main flow in future, thus and other legal tender nondollar will selectively be used.
Greatest expected gold flow represents every daily trading limit of card 112, and the Huang of marketmaker 108
Gold profit represents the service charge for completing transaction that marketmaker 108 collects.
In one embodiment, if user 102 wishes to extract sterling from ATM 114b
(GBP) the instant currency valency that the idle money balance available of equal value in 112 will be available gold, is then blocked
Value, take from the currency conversion of GBP to USD and the summation of service charge of marketmaker 108.
In step 308, if available idle money balance of equal value is not enough to cover transaction total amount, quilt of concluding the business
Marketmaker 108 refuses, and notice will be with the side of the communication of such as SMS and/or Email
Formula is sent to user.
In step 310, if available idle money balance of equal value be enough to cover transaction total amount, quilt of concluding the business
Marketmaker 108 certification, and next authentication response is sent to card issuing 109, card distribution
Response is forwarded to Card processor 110 by side 109.Marketmaker 108 available etc. from card 112 immediately
The idle money balance of equal value that in valency idle money balance, deduction transaction total amount and renewal are reduced.Card processes
Authentication response is forwarded to merchant tenninal 114 by device 110, and merchant tenninal 114 completes transaction then.
In step 312, according to working as of the idle money balance of equal value being reduced and potential commodity assets
The front market price updates the remaining commodity assets total amount of user 102.It is assigned to user 102
Commodity assets total amount along with the minimizing of concluding the business of debit/credit card 112 every time.Therefore, user 102
Potential commodity assets are sold, to exchange the goods/services or cash bought for marketmaker 108；
" cash " e.g. legal tender in this case.
In step 314, fund is transferred to trade company 114 to complete transaction from card issuing 109.?
In one embodiment, predetermined total amount of the fund is transferred to card issuing by marketmaker 108 termly
109, thus receive from debit/credit card 112 and card issuing 109 can be to trade company
During the transaction request of terminal 114 payment transaction, Card processor 110 can ratify transaction immediately.
Finally, in step 316, marketmaker 108 notice is sent to user 102, wherein this notice
The allocated total amount of commodity assets, the real-time currency of commodity assets such as updated can be included
Be worth, the details such as trade detail of card 112.User 102 can be received by various communication modes
This notice, such as by email message, text and Multimedia Message, automatic telephone call,
Fax, renewal on the website of marketmaker.
In various embodiments of the present invention, marketmaker 108 buys in all about and sell business
Deduction is collected in the use of the transaction of product assets, currency conversion and debit/credit card 112.This
Outward, marketmaker 108 can collect a moon administration fee, storage and guarantee fund from user 102.
Here it is to be noted that step 302 is merely exemplary to 316, and also may be used
Add one or more steps to provide, delete one or more steps or one or many
Other alternative that individual step is provided with different order, wants without departing from right herein
The scope asked.
Fig. 3 is only example, and it can't excessively limit scope of the claims herein.Ability
Field technique personnel are it will be appreciated that multiple changes of embodiments described herein, replace and change.
Fig. 4 is being helped purchase by marketmaker 108 and selling commodity according to embodiment of the present disclosure
The schematic diagram of the step of assets.The method is described as the series of steps in logical flow chart,
Represent the sequential steps that can be carried out in hardware, software, or a combination thereof.
In step 402, marketmaker 108 receives the commodity assets buying the first total amount from user 102
Request.In one embodiment, marketmaker 108 is held in commodity and deposits first in torr 106
The commodity assets of share and allow client to buy from the commodity assets of the first share of himself
The commodity assets of the first total amount.In step 404, it is required to receive from user 102 marketmaker 108
Fund after, the commodity assets of the first total amount are assigned to user 102.Can be according to equation 1
(Eq.1) this required fund is calculated.In the exemplary embodiment, marketmaker 108 is permissible
Be held in commodity deposit torr 106 in each value be of about $ 545,000, weight be 12.4 kilograms
Or 1-2 the LBMA gold bar of 400 ounces, and total by first when receiving required fund
The commodity assets of amount distribute to user as 100 grams of gold.Although gold bar remains complete, system 100
Allowing to set up the ownership of a part for given gold bar, wherein this ownership is along with user 102 is with stream
Currency coin i.e. legal tender completes to buy and pay and amortized.
In step 406, the income of sale can be used for buying the void of the first total amount by marketmaker 108
Intend commodity assets.In the exemplary embodiment, marketmaker 108 can use 100 grams of Huangs of sale
The income of gold buys 100 grams of virtual gold from virtual gold circulation provider, so that with empty
Intend gold to liquidate the purchase of gold in kind.
In step 408, the commodity assets of the first share held as marketmaker 108 reduce to predetermined
Minima time, the income that marketmaker 108 can sell virtual goods assets and use is sold is come
The stock of fill-ins assets.In the exemplary embodiment, when the gold that marketmaker 108 holds
Reducing to bar denomination of equal value, the virtual gold that marketmaker 108 holds is sold by buying LBMA gold
Bar.Buying in of virtual gold and selling so that being caused by the price fluctuation of LBMA gold bar subsequently
Minimization of loss.It will be understood, however, that in the high cycle floated of the virtual gold that liquidates
In, such as in the stock crash event that the Wall Street in such as generation nineteen twenty occurs, system 100
Can optionally recover to the physical commodity assets only with such as entity gold.
In other embodiments, marketmaker 108 can use the receipts sold of virtual goods assets
Fund is transferred to card issuing 109 to ensure its transaction about debit/credit card 112 by benefit
Payment.
It should be noted that at this step 402 is merely exemplary to 408, and can also
Offer adds one or more steps, deletes one or more steps and change one or many
Other alternative of the order of individual step, without departing from scope of the claims herein.
Fig. 4 is only example, and it will not excessively limit scope of the claims herein.This area
Skilled artisan will appreciate that the multiple change of embodiments described herein, replace and change.
Fig. 5 is that the operation according to the disclosure is for by valencys based on one or more commodity assets
Valve system 100 completes the schematic diagram of the step of the system paid.The method is described as logic flow
The series of steps of figure, represents the order that can be carried out in hardware, software, or a combination thereof
Step.
In step 502, one or more accounts are maintained in system of values 100, wherein account
There are the one or more commodity assets being associated with himself.In step 504, with one or many
One or more commodity assets that individual account is associated in response to one or more accounts payment or
Take in and be reduced respectively or increase.In step 506, one or more marketmakers 108 are used for
Being worth of one or more commodity assets is paid with one or more being used for or collect
Currency, such as legal tender are associated, and wherein one or more marketmakers 108 have at silver
External authentication outside row system.As described above, independent auditing party is the most careful from outside
Count one or more marketmaker 108, with guaranteed rate valve system 100, swindle and corruption are affected
Integrity and robustness.
At this it is noted that step 502 is merely exemplary to 506, and also may be used
With provide add one or more steps, delete one or more steps change one or
Other alternative of the order of multiple steps, without departing from scope of the claims herein.
From the above it is understood that pass through the gold trade of one or more marketmakers 108
Certification occurs outside traditional bank system.This traditional bank system is easily subject to beating of crash
Hit, such as owing to taking the excessive financial transaction means performed with the form of legal tender,
And due to the government policy of substantial hyperinflation, such as in order to attempt general election and/
Or before presidential election, create the purpose and the excessive quantitative easing that performs that short-term economic increases.Cause
This, is even if during traditional bank system experience systematicness problem, such as stock market crash, system 100
It can be its user 102 value for preservation.Additionally, system 100 also is able to steadily with currency,
I.e. legal tender runs.
Being different from traditional known banking system, system 100 indirectly has any to user
The supply in money of the credit or debit card of 102, but by with the credit card of system 100 compatibility or
Debit card is connected to one or more commodity assets, namely will not be simply by legal tender
The inflationary element of form.Additionally, system 100 can support the many goods used by user 102
Coin case.Additionally, user 102 can take external authorization for credit or debit card, thus
A side of the operation of system of being responsible for is used while use system 100.Relevant to system 100
The payment of connection can recognize that device and life by taking mobile phone, smart phone, RFID
Change one or more being done in the electronic chip module implanted.System 100 maintains user 102
The record of identification, and if user 102 show as non-when operating in person, such as user 102
The stolen and authorized side of credit or debit card attempt use the stolen credit card or borrow
During note card, selectively stop the transaction being associated with user 102.
Although embodiments of the present invention are described to illustrate the most all sidedly
Feasible various aspects, it will be appreciated by persons skilled in the art that other deformation of the present invention is also can
Row.
Claims (19)
1. a method for operating system, wherein said system is for by based on one or more
The system of values of commodity assets completes to pay, and the method comprise the steps that
A () maintains one or more account in described system of values, wherein said account has
The one or more commodity assets being associated with himself；
B (), in response to the payment in the one or more account and income, reduces respectively or increases
Add the one or more the commodity assets being associated with the one or more account；
Wherein said method also includes:
C () uses one or more marketmaker, with the valency by the one or more commodity assets
Value is associated, wherein with one or more currencys being used for described payment and income
The one or more marketmaker has the external authentication outside banking system.
2. the method for claim 1, the method comprise the steps that
D the one or more commodity assets is set to include one or more entity gold by ()
Belong to；And
E () completes the enforcement of described payment or income with one or more legal tenders.
3. the method for claim 1, the method comprise the steps that
F () is in described system of values, described by using personal credit card or debit card to complete
Pay or income.
4. method as claimed in claim 3, the method comprise the steps that
G described system is set to support described personal credit card or the use of debit card by (), its
In, for authentication purpose, described personal credit card or debit card be less radio-frequency discernible and/
Or chip is discernible.
5. method as claimed in claim 4, the method comprise the steps that
(h) the one or more personal credit card or debit card are arranged at one or
Use on multiple ATM and/or one or more POS terminal.
6. the method for claim 1, the method comprise the steps that
When implement described payment or income time, use in real time the one or more marketmaker with
The value of one or more currencys described is relevant to the one or more commodity assets
Connection.
7. the method for claim 1, the method comprise the steps that
Be embodied as the one or more commodity assets including Base Metal, mineral, noble metal,
At least one in yellow gold, silver, rare earth material, hydrocarbon fuel product and/or exotic material.
8. the method for claim 1, the method comprise the steps that and arrange described value
System is to provide letter to the one or more user being associated with the one or more account
Breath, wherein said information includes the instruction of the one or more commodity assets, wherein said finger
Show be expressed as the weight of the one or more commodity assets, volume, the quantity of physical component,
At least one during money market is worth in real time.
9. the method for claim 1, wherein said method includes by using independent
Auditing method is audited the transaction performed by the one or more marketmaker.
10. the software recorded on machine-readable non-transitory data storage medium produces
Product, wherein said software product can run for implementing the method for claim 1
It is performed during hardware.
11. 1 kinds for completing to pay by systems of values based on one or more commodity assets
System, wherein said system includes:
A () is for maintaining the device of one or more account, Qi Zhongsuo in described system of values
State account and there are the one or more commodity assets being associated with himself；
B (), in response to the payment in the one or more account and income, reduces respectively
Or increase the dress of the one or more the commodity assets being associated with the one or more account
Put；
The wherein said system for paying also includes:
C (), for using the device of one or more marketmaker, described marketmaker is for by described
One or more commodity assets be worth be used for described payment and the one of income or many
Planting currency to be associated, wherein said one or more marketmakers have outside banking system
External authentication.
12. systems as claimed in claim 11, wherein said system includes:
D () the one or more commodity assets are implemented as one or more solid materials；With
And
E () described payment or income are carried out with one or more legal tenders.
13. have been used for the system paid as claimed in claim 11, wherein said for complete
The system paid is become also to include:
(f) being used for by using personal credit card or debit card to complete in described system of values
Described payment or the device of income.
14. have been used for the system paid, wherein said system bag as claimed in claim 12
Include:
G () makes described system can support the dress of use of described personal credit card or debit card
Put, be wherein that less radio-frequency is discernible for personal credit card or debit card described in authentication purpose
And/or chip is discernible.
15. have been used for the system paid, wherein said system bag as claimed in claim 14
Include:
(h) make described personal credit card or debit card can at one or more ATM and/or
The device used in one or more POS terminal.
16. have been used for the system paid, wherein said system bag as claimed in claim 11
Include when implementing described payment or income, use the one or more marketmaker to incite somebody to action in real time
The value of one or more currencys described is associated with the one or more commodity assets
Device.
17. have been used for the system paid, wherein said system bag as claimed in claim 11
Include and be embodied as including Base Metal, mineral, noble metal, Huang by the one or more commodity assets
The device of at least one in gold, silver, rare earth material, hydrocarbon fuel product and/or exotic material.
18. have been used for the system paid, wherein said system bag as claimed in claim 11
Include so that described system of values is to the one being associated with the one or more account or many
Individual user provides the device of information, wherein said information to include the one or more commodity assets
Instruction, wherein said instruction is expressed as the weight of the one or more commodity assets, body
Long-pending, the quantity of physical component, real-time money market be worth at least one.
19. have been used for the system paid, wherein said system bag as claimed in claim 11
Include audit device, for by using independent audit device to audit by the one or more
The transaction that marketmaker performs.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| AU2015100230A AU2015100230A4 (en) | 2015-02-25 | 2015-02-25 | Method and system for making payments via a value system based upon commodity assets |
| AU2015100230 | 2015-02-25 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN106033568A true CN106033568A (en) | 2016-10-19 |
Family
ID=52706476
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN201510122873.4A Pending CN106033568A (en) | 2015-02-25 | 2015-03-19 | Method and system for making payments via a value system based upon commodity assets |
Country Status (2)
| Country | Link |
|---|---|
| CN (1) | CN106033568A (en) |
| AU (1) | AU2015100230A4 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107833380A (en) * | 2017-09-30 | 2018-03-23 | 杭州金通公共自行车科技股份有限公司 | Dodged based on Unionpay and pay hire a car system and its control method and device |
-
2015
- 2015-02-25 AU AU2015100230A patent/AU2015100230A4/en not_active Ceased
- 2015-03-19 CN CN201510122873.4A patent/CN106033568A/en active Pending
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN107833380A (en) * | 2017-09-30 | 2018-03-23 | 杭州金通公共自行车科技股份有限公司 | Dodged based on Unionpay and pay hire a car system and its control method and device |
Also Published As
| Publication number | Publication date |
|---|---|
| AU2015100230A4 (en) | 2015-03-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| AU2008233513B2 (en) | Tax repayment method for foreigner | |
| US6405182B1 (en) | System for dispensing prepaid debit cards through point-of-sale terminals | |
| US20070156579A1 (en) | System and method of reducing or eliminating change in cash transaction by crediting at least part of change to buyer's account over electronic medium | |
| US20080301047A1 (en) | ATM System For Receiving Cash Deposits From Non-Networked Clients | |
| US20090018959A1 (en) | Methods and systems for exchanging and/or transferring various forms of value | |
| US20070080213A1 (en) | Aggregate electronic change saving method | |
| US8302859B2 (en) | Apparatus, method and system for facilitating payment of monetary transactions | |
| US20180225639A1 (en) | Digital currency and a system and method for transferring value using the digital currency | |
| WO2001088802A2 (en) | Method for facilitating commercial transactions | |
| KR20130103512A (en) | Prepaid card with savings feature | |
| CN106537433A (en) | System and method for recovering refundable taxes | |
| WO2002067088A2 (en) | Automated fundraising accounting system | |
| US20210004904A1 (en) | Digital currency and a system and method for transferring value using the digital currency | |
| US20190378137A1 (en) | Methods and apparatus for facilitating a financial transaction | |
| US20160247131A1 (en) | Money exchange systems and methods | |
| US20150066728A1 (en) | Method and system for making payments via a value system based upon commodity assets | |
| US20140025553A1 (en) | Unattended precious metal distribution systems, methods, and apparatus | |
| CN106033568A (en) | Method and system for making payments via a value system based upon commodity assets | |
| KR102092909B1 (en) | A System Providing Electronic Money With Unit Of Time | |
| Górka | Payment behaviour in Poland–The benefits and costs of cash, cards and other non-cash payment instruments | |
| Stankic et al. | Digital transformation trends in payment systems | |
| US20200090142A1 (en) | Financial transactions system and method utilizing blockchain transfers | |
| US20230013115A1 (en) | Digital currency and a system and method for transferring value using the digital currency | |
| Humphrey | Payments and payment systems | |
| Priyanka | Impact of demonetization on electronic payment system |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C06 | Publication | ||
| PB01 | Publication | ||
| WD01 | Invention patent application deemed withdrawn after publication |
Application publication date: 20161019 |
|
| WD01 | Invention patent application deemed withdrawn after publication |