CN106157007A - The application platform of a kind of coin of concluding the business and method - Google Patents

The application platform of a kind of coin of concluding the business and method Download PDF

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Publication number
CN106157007A
CN106157007A CN201610551162.3A CN201610551162A CN106157007A CN 106157007 A CN106157007 A CN 106157007A CN 201610551162 A CN201610551162 A CN 201610551162A CN 106157007 A CN106157007 A CN 106157007A
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CN
China
Prior art keywords
information
mobile phone
coin
user
identification
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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
Application number
CN201610551162.3A
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Chinese (zh)
Inventor
李俊
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Shanxi Special Faith Universal Information Technology Co Ltd
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Shanxi Special Faith Universal Information Technology Co Ltd
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Application filed by Shanxi Special Faith Universal Information Technology Co Ltd filed Critical Shanxi Special Faith Universal Information Technology Co Ltd
Priority to CN201610551162.3A priority Critical patent/CN106157007A/en
Priority to PCT/CN2016/091713 priority patent/WO2018010211A1/en
Publication of CN106157007A publication Critical patent/CN106157007A/en
Pending legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks

Abstract

The application platform of a kind of coin of concluding the business of the present invention and method include that handshake mechanism connects end, identification and matching regulation and control end, transaction attribute storage end, multiple user mobile phone client and settlement of transactions end, mobile phone service for checking credentials end, Net silver service end；User mobile phone client controls end by identification and matching and is connected with settlement of transactions end and mobile phone authentication server end, whether described mobile phone service for checking credentials end mates with the subscriber identity information inputted according to the identity code of database authentication identification and matching regulation and control end, if coupling, the then mobile phone service for checking credentials end checking by user mobile phone client, further, mobile phone service for checking credentials end completes to transfer accounts by settlement of transactions end control Net silver service end.The present invention regulates and controls end by the identification and matching of 1 n subsystem and identifies that multiple user mobile phone client provides identification, has ensured the safety of transaction.

Description

The application platform of a kind of coin of concluding the business and method
Technical field
The present invention relates to a kind of gold coin transaction application platform, particularly relate to a kind of software system for coin transaction of concluding the business System.
Background technology
Along with the development of development of Mobile Internet technology, each transaction platform is typically provided with digital cash.
One, the defect that prior art digital money-form is enumerated and existed:
1, prior art digital money-form is listed below:
1.1 are generated by pre-set programs by computer, such as: bit coin；
1.2 exchange generation, such as: Alipay, wechat change etc. with circulation coin (i.e. one national legal tender)；
1.3 by encryption technology encryption circulation coin number, thus conveniently carries out settlement of transactions on network, such as: network silver Remaining sum in row or bank APP；
The 1.4 network distribution type accounting systems copying bit coin and develop and plan replace bank note digital cash send out Row version；
The game money that 1.5 online games produce, is generally used for buying the virtual objects in game, it is also possible to circulation coin is bought Game money.
1.6 things and thing exchange system storage are bartered currency, be generally used for after selling article to face stock coin etc. to be transacted, It is usually used in the relevant people of all interests and is reluctant the participant spent, and barter currency and circulation coin can be from platform exchange system By using.
2, the defect that prior art digital currency exists:
2.1 in previous example 1.1, and computer generates digital currency, joins with circulation coin if cannot function as a kind of carrier System, its value is confined in minority crowd.
2.2 in previous example 1.2 1.5, although the some drawbacks overcoming bank note (such as printing, transports and manages into This high problem, counterfeit coin problem, safety problem and cash amount are difficult to determine), but a kind of form of expression of the coin that simply circulates, depend on So do not overcome the some drawbacks (such as business capital shortage, finance costs height, chain debts, financial risks) of circulation coin, and with existing There is the problems such as illegal transaction, money laundering, opportunistic practice in gold during exchanging mutually.
2.3 in aforementioned such as 1.6, and range is limited to, and also have the poor in timeliness used, it is impossible to timely use, though with Circulation coin establishes direct rate relationship, but brings exchange rate risk and exchange control risk, barter currency and circulation coin Freely using at exchange system, the use defect of the inevitable coin that circulates, currency of therefore bartering can not become replacing of circulation coin Token.
Summary of the invention
The technical problem to be solved in the present invention is to provide a kind of simple in construction, low cost, a kind of transaction coin easy and simple to handle Application platform.
The application platform of a kind of coin of concluding the business of the present invention, connects end, identification and matching regulation and control end, transaction attribute including handshake mechanism Storage end, multiple user mobile phone client and settlement of transactions end, mobile phone service for checking credentials end, Net silver service end；
Described transaction attribute storage end, user request end, settlement of transactions end, mobile phone service for checking credentials end and Net silver service end are equal Being connected with described identification and matching regulation and control end, described identification and matching regulation and control end is connected to described handshake mechanism and connects end；
Described handshake mechanism connects the identity code that end is provided with the identification and matching regulation and control end of 1-n subsystem；Described identification According to data base, coupling regulation and control end identifies whether the subscriber identity information inputted mates with described identity code, if coupling, Then subscriber identity information and product information are sent to user mobile phone client by handshake mechanism connection end, described user mobile phone visitor Family end with predetermined manner show described in the subscriber identity information that receives and product information；
Described settlement of transactions end storage has the transaction coin clearing bio-identification combination of user's identity code, user mobile phone, coin Kind exchange than, transaction coin account, platform transaction coin trading account and platform service charge transaction coin account, national treasury transaction coin account； In predetermined period, described settlement of transactions end exports the fixing currency type exchange in next cycle according to the median of currency type exchange ratio Ratio；
Described transaction attribute storage end is used for updating product information；
Wherein, user mobile phone client controls end and settlement of transactions end by identification and matching and mobile phone authentication server end connects Connecing, described mobile phone service for checking credentials end regulates and controls the identity code of end and the user's body inputted according to database authentication identification and matching Whether part information mates, if coupling, then the mobile phone service for checking credentials end checking by user mobile phone client, and, mobile phone is verified Service end controls Net silver service end by settlement of transactions end and completes to transfer accounts.
The register method of the application platform of a kind of coin of concluding the business of the present invention, it is characterised in that comprise the steps:
S101, user send registration request to user mobile phone client；
S102, cell-phone customer terminal obtain the SIM phone number of user mobile phone client, and ask user mobile phone client Rifle phone number is bound with cell-phone customer terminal；
If S103 binding success, then cell-phone customer terminal sends user identification code to Platform Server；
S104, Platform Server send ID card verification request to user mobile phone client, and user mobile phone client starts Checking request, if the ID card verification module verification identity card success of user mobile phone client, then cell-phone customer terminal preserves identity Card information；
S105, cell-phone customer terminal start the bio-identification module of user mobile phone client, and described bio-identification module gathers The bio information that can gather includes: finger print information, face information, pupil information, voice timbre information, and the letter gathered Breath is stored in cell-phone customer terminal, and the most same user needs at least two finger print information；
The above-mentioned bio information collected is sorted by S106, cell-phone customer terminal, and synthesising biological recognition combination code, and will be raw Thing recognition combination code is uploaded to bio-identification authentication server, and bio-identification authentication server stores bio-identification combinational code；
S107, Alarm Server according to bio information, in selected finger print information at least one, in face information at least One, at least one at least one and/or voice timbre information in pupil information be alarm signal,
When Platform Server receives bio information corresponding to the selected alarm signal of Alarm Server, then by reporting to the police Server sends alarm signal to security centre；
Bio information corresponding to the selected alarm signal of Alarm Server and described life is not received when Platform Server connects During the information matches that thing information stores with Platform Server, then please by the registration of described cell-phone customer terminal by Platform Server Ask.
Below in conjunction with the accompanying drawings the application platform of a kind of coin of concluding the business of the present invention is described further.
Accompanying drawing explanation
Fig. 1 is the schematic diagram of the application platform of a kind of coin of concluding the business.
Detailed description of the invention
Embodiment 1
As it is shown in figure 1, the application platform of a kind of coin of concluding the business of the present invention includes that handshake mechanism connects end, identification and matching is adjusted Control end, transaction attribute storage end, multiple user mobile phone client and settlement of transactions end, mobile phone service for checking credentials end, Net silver service end；
Described transaction attribute storage end, user request end, settlement of transactions end, mobile phone service for checking credentials end and Net silver service end are equal Being connected with described identification and matching regulation and control end, described identification and matching regulation and control end is connected to described handshake mechanism and connects end；
Described handshake mechanism connects the identity code that end is provided with the identification and matching regulation and control end of 1-n subsystem；Described identification According to data base, coupling regulation and control end identifies whether the subscriber identity information inputted mates with described identity code, if coupling, Then subscriber identity information and product information are sent to user mobile phone client by handshake mechanism connection end, described user mobile phone visitor Family end with predetermined manner show described in the subscriber identity information that receives and product information；
Described settlement of transactions end storage has the transaction coin clearing bio-identification combination of user's identity code, user mobile phone, coin Kind exchange than, transaction coin account, platform transaction coin trading account and platform service charge transaction coin account, national treasury transaction coin account； In predetermined period, described settlement of transactions end exports the fixing currency type exchange in next cycle according to the median of currency type exchange ratio Ratio；
Described transaction attribute storage end is used for updating product information；
Wherein, user mobile phone client controls end and settlement of transactions end by identification and matching and mobile phone authentication server end connects Connecing, described mobile phone service for checking credentials end regulates and controls the identity code of end and the user's body inputted according to database authentication identification and matching Whether part information mates, if coupling, then the mobile phone service for checking credentials end checking by user mobile phone client, and, mobile phone is verified Service end controls Net silver service end by settlement of transactions end and completes to transfer accounts.
Settlement of transactions end sets transaction coin and the transaction coin price ratio with reference to state as 1:1, and transaction coin is with reference to state and its other country Price is used for the coin exchange ratio with various countries' circulation coin of concluding the business, and sets transaction coin with various countries' circulation currency exchange than the cycle, a week In phase, transaction coin is fixing with various countries' circulation currency exchange ratio, and transaction coin can not directly be exchanged with various countries' circulation coin, can only conclude the business In journey when transaction coin deficiency, by the exchange of circulation coin than supplementing coin difference of concluding the business；During circulation coin periodical balancing, stream collected by platform Logical coin is exchanged ratio by currency type and is returned user.Also state can be applied to consult limitation by each transaction coin to exchange, consult to determine exchange proportion After, in the transaction coin storage ratio of various countries' transaction coin with by exchanging ratio, circulation coin limitation exchange trading coin.
Described database purchase has identification and matching regulation and control end identity code, the identity information of all users, transaction attribute Storage end identity code, user mobile phone client identity code, settlement of transactions end identity code, mobile phone service for checking credentials end Identity code, Net silver service end identity code, currency type exchange ratio；
The identity information of described user includes following one or more combination:
The registration identity code of user, title, address, communication modes；
Institute's product information includes following one or more combination:
Transaction attribute storage end identity code, physical item and picture, specification, model, parameter, measurement unit, quantity, Price, mortgage subject matter and picture, specification, model, parameter, measurement unit, quantity, price, service item and measurement unit, number Amount, price, credit and debt people's title and the amount of money；
Described user mobile phone client storage has a following one or more combination:
The life of the identification code of user mobile phone, phone number, the face of user, pupil, voice, fingerprint, user mobile phone registration Thing recognition combination code；
Described customer transaction coin account includes following one or more combination:
The identity code of user, transaction coin remaining sum, credit line, credit balance, mortgage amount and mortgage remaining sum；
Described platform transaction coin account includes the transaction coin remaining sum that platform is had；
Described platform service expense transaction coin account includes platform service expense transaction coin remaining sum.
Described national treasury transaction coin account includes national treasury identity code and transaction coin remaining sum；
Described mobile phone service for checking credentials end storage has a following one or more combination:
The life of the identification code of user mobile phone, phone number, the face of user, pupil, voice, fingerprint, user mobile phone registration Thing recognition combination code, the name of cellphone subscriber, address, ID (identity number) card No., communications zone coding；
Described Net silver service end storage has a following one or more combination:
User circulate coin account, platform circulation coin trading account, platform service expense circulation coin account, national treasury circulation coin account Family；
Described user circulates, and coin account storage has the identity code of this user, circulate coin remaining sum；
The circulation coin trading account storage of described platform has the identity code of this platform, circulation coin remaining sum, and described platform takes Business expense circulation coin account storage has the identity code of service charge；
The clearing bio-identification combination of user mobile phone Net silver.
The present invention regulates and controls end by the identification and matching of 1-n subsystem and identifies that multiple user mobile phone client provides identity to know , the safety of transaction has not been ensured.And transaction coin of the present invention is international tolerance coin, also it is that circulation coin substitutes coin, Transaction coin derives from transaction, serves transaction；Application platform article and service transacting transaction coin valuation and knot at transaction coin Calculating, user is in this platform process of exchange, and when transaction coin deficiency, the available exchange by circulation coin is than supplementary transaction coin difference； During circulation coin periodical balancing, platform is collected circulation coin and is exchanged than return user by currency type.Transaction coin can not directly be converted with circulation coin Change, can only press in the transaction coin storage ratio limitation of various countries' transaction coin after each transaction coin applies state to consult to determine exchange proportion Exchange ratio to exchange.The circulation coin exchanged returns each exchange state to own, and reduces circulation coin additional issue amount or offset sovereign debt for various countries Amount and the destruction amount of circulation coin, the final overall application realizing transaction coin.
Such as:
The transaction of described product；
User confirms product in transaction attribute storage end；
Send a request to identification and matching by buyer's user mobile phone client and control end；
Control end by identification and matching and send a request to settlement of transactions end and mobile phone service for checking credentials end；
Mobile phone service for checking credentials end 6 verifies user mobile phone client information, is verified；
User is in cell-phone customer terminal input clearing bio-identification combination, and settlement of transactions end is verified；
In settlement of transactions end the buyer will buy conclude the business needed for commodity coin volume and service charge volume from buyer account and put under flat Platform trading account, serves as guarantee fund；
Settlement of transactions end transmits the request to identification and matching and controls end；
Identification and matching controls end and sends the request to seller user cell-phone customer terminal；
The buyer confirms that transaction completes；
Buyer's user mobile phone client sends a request to identification and matching and controls end；
Identification and matching controls end and sends the request to settlement of transactions end；
This transactional services expense puts under in settlement of transactions end platform service expense account, and residue guarantee fund puts seller's account under Family.
Wherein, the buyer preferentially uses transaction coin remaining sum when platform provides cover.
Wherein, the buyer when platform provides cover, the part of transaction coin Sorry, your ticket has not enough value guarantee fund, by user oneself freely Select available credit remaining sum, mortgage remaining sum to supplement and circulation coin is by exchanging than supplementary difference.
Described circulation coin is pressed and is exchanged than supplementary difference,
In settlement of transactions end the buyer will buy conclude the business needed for commodity coin volume and service charge volume from buyer account and put under flat Platform trading account serves as guarantee fund, and account trading coin is time Sorry, your ticket has not enough value；
Settlement of transactions end transmits the request to identification and matching and controls end；
Identification and matching controls end and sends the request to the bank account of Net silver service end registration user's binding；
Net silver service end sends the request to buyer's cell-phone customer terminal；
The buyer is in cell-phone customer terminal input Net silver bio-identification combination；
Mobile phone service for checking credentials end and Net silver service end are proved to be successful and send a request to cell-phone customer terminal；
Cell-phone customer terminal sends a request to Net silver service end and draws by the difference exchanged than calculating circulation coin from buyer account Enter the guarantee fund that platform trading account completes to supplement.
Preferably, described Net silver service end is by as follows by the return currency volume H of the 8th user1Transfer accounts to The account of eight users:
H 1 = H × ( H G ) × ( E - F D ) ;
Wherein, H1For the return currency volume of the 8th user in the cycle；
H is the 8th user's settlement bargain same period storage in the cycle；
E is subsystem unified circulation coin total value that billing cycle inner platform is collected in various countries' in the cycle；
F is the service charge account trading coin total value collected in the cycle；
The summation of the transaction coin remaining sum of user when G is cycle interior clearing；
D is currency type exchange ratio in the cycle.
Wherein, each issue various countries of described circulation coin and transaction currency exchange consult to determine the exchange proportion of limitation, current period circulation coin The value of exchange trading coin is the 9th value；
9th is worth=the nine value place subsystem transaction coin storage value × exchange proportion, and the 9th user is from Net silver service Device the 9th user account is worth the 9th and puts platform trading account under.
The exchange rule of described circulation coin transaction coin is:
The transaction coin circulation total value that described circulation coin is exchanged in various countries' transaction coin storage ratio limitation is the tenth value, from net The platform trading account of syndication server proceeds to the account of treasury of various countries, and the tenth is worth the increasing of the circulation coin minimizing same period for various countries Send out value or offset national debt value or destroy the value of circulation coin.
Such as: the transaction between described transnational subsystem 1 and 2,
User mobile phone client 1 confirms product in transaction attribute storage end 2；
Send a request to identification and matching by buyer's user mobile phone client 1 and control end 2；
Control end 2 by identification and matching and send a request to handshake mechanism connection end；
Handshake mechanism connects end and sends a request to identification and matching control end 1；
Identification and matching controls end 1 and sends the request to settlement of transactions end 1；
Request is sent checking request to user mobile phone client 1 by settlement of transactions end 1
User mobile phone client 1 input clearing bio-identification combination sends checking request and to mobile phone service for checking credentials end 1 and hands over Easily clearing end 1, checking coupling；
In settlement of transactions end 1, coin contract money of concluding the business needed for purchase-transaction thing is put under platform transaction account by buyer account Family, serves as guarantee fund；
Product is supplied to the buyer by the seller, and the buyer confirms；
User mobile phone client 1 sends a request to identification and matching and controls end 1；
Identification and matching controls end 1 and sends the request to settlement of transactions end 1；
Settlement of transactions end 1 sends the request to identification and matching and controls end 1
Identification and matching controls end 1 and sends the request to handshake mechanism connection end
Handshake mechanism connects end and sends the request to identification and matching control end 2
Identification and matching controls end 2 and sends the request to settlement of transactions end 2
In settlement of transactions end 1, this buyer transaction service charge volume is put under platform service expense account, transaction by contract money Amount of value puts settlement of transactions end 2 seller's service charge volume under and puts platform service expense account under, and residue puts seller account under.
Preferably, described mobile phone service for checking credentials end includes Platform Server, bio-identification authentication server, ID card verification Server, user mobile phone client, the cell-phone customer terminal that is configured in user mobile phone client；
Described Platform Server is provided with data base, and described database purchase has following one or more to combine:
The phone number of user mobile phone client, Quick Response Code, user mobile phone client bio-identification combinational code, user mobile phone Client name, address, ID (identity number) card No., communications zone coding, bio-identification authentication server identification code；
Bio-identification authentication server storage has following one or more to combine:
The identification code of user mobile phone client, phone number, the face of user, pupil, language, fingerprint, user mobile phone visitor The bio-identification combinational code of family end registration；
ID card verification server is connected by the data base being provided with Platform Server, bio-identification authentication server, The Information Authentication of the data base being provided with according to Platform Server its whether with the information matches of bio-identification authentication server, if Join, then by checking, and export ID card verification server identification code to user mobile phone client.
The present invention can provide preferably safety verification when user carries out financial transaction to it by said structure.
Preferably, also include that Alarm Server, described Alarm Server include warning card module,
Alarm Server storage has the client identity identification code of user mobile phone client, described user mobile phone client Client identity identification code includes the alarm fingerprint of user, communications zone coding, warning card module identification code, map；
Warning card module stores following one or more and combines:
User mobile phone client client identification code, alarm fingerprint, map, communications zone coding, the name of alarm people, hands Plane No. code, ID (identity number) card No., warning video, voice, time of fire alarming, map denotation position；
Alarm Server is by the letter stored with the client identity identification code of user mobile phone client, warning card module Breath compares, if not mating, then phase user mobile phone client sends by Alarm Server identification code, warning card module identification The alarm signal that code is constituted.
Unidentified identity information can be reported to the police by the present invention by above-mentioned module, thus adds the safety of transaction Property.
Preferably, also include settling accounts card module, business card module, service customer end；
Clearing card module stores following one or more and combines:
Client identification code, Quick Response Code, clearing bio-identification checking combination, settlement accounts, account balance, inside money and The exchange ratio of circulation coin；
Business card module stores following one or more and combines:
Client identity identification code, Quick Response Code, the bio-identification combinational code of user；
Service customer end is for the display inquiry of corresponding card module；
Clearing card module, business card module, service customer end are with ID card verification server, Alarm Server even Connect, clearing card module, business card module, service customer end according to its information identify whether with ID card verification server, Alarm Server connect information matches, if coupling; respectively to user mobile phone client send clearing card module identification code, Business card module identification code, cell-phone customer terminal identification code.
The present invention can realize clearing in time and the safety certification of business of business by said structure, has ensured the peace of transaction Quan Xing.
The register method of the application platform of a kind of coin of concluding the business of the present invention, it is characterised in that comprise the steps:
S101, user send registration request to user mobile phone client；
S102, cell-phone customer terminal obtain the SIM phone number of user mobile phone client, and ask user mobile phone client Rifle phone number is bound with cell-phone customer terminal；
If S103 binding success, then cell-phone customer terminal sends user identification code to Platform Server；
S104, Platform Server send ID card verification request to user mobile phone client, and user mobile phone client starts Checking request, if the ID card verification module verification identity card success of user mobile phone client, then cell-phone customer terminal preserves identity Card information；
S105, cell-phone customer terminal start the bio-identification module of user mobile phone client, and described bio-identification module gathers The bio information that can gather includes: finger print information, face information, pupil information, voice timbre information, and the letter gathered Breath is stored in cell-phone customer terminal, and the most same user needs at least two finger print information；
The above-mentioned bio information collected is sorted by S106, cell-phone customer terminal, and synthesising biological recognition combination code, and will be raw Thing recognition combination code is uploaded to bio-identification authentication server, and bio-identification authentication server stores bio-identification combinational code；
S107, Alarm Server according to bio information, in selected finger print information at least one, in face information at least One, at least one at least one and/or voice timbre information in pupil information be alarm signal,
When Platform Server receives bio information corresponding to the selected alarm signal of Alarm Server, then by reporting to the police Server sends alarm signal to security centre；
Bio information corresponding to the selected alarm signal of Alarm Server and described life is not received when Platform Server connects During the information matches that thing information stores with Platform Server, then please by the registration of described cell-phone customer terminal by Platform Server Ask.
Preferably, described handshake mechanism connection end also includes
Call unit, is arranged at least call and the limited multiple item contents in the article group of described product information The situation of selling well value of the item contents in the title being associated, described article group and with in the item contents in described article group The remaining number that is associated of each item contents, wherein, each article group is assigned to unique user；
Transmission unit, is arranged to receiving for obtaining and to be selected by described server apparatus from the terminal of user When the item contents of item contents obtains request, call item contents in the article group that described user distributes a part or The item contents all obtained as described user；
Replacement unit, is arranged to reduce the remaining number being associated with acquired item contents, and replaces described thing Product group；And
Performance element, is arranged to provide and remaining item contents in described article group to the described terminal of described user Content information in relevant article group, in wherein said article group, content information includes: to described user by described article Hold obtain the title of item contents of acquisition request and carry out indicating information, to described article group has the highest situation of selling well value The title of item contents and remaining number carry out the information that indicates and to the remaining number of item contents in described article group Sum carries out the information indicated；
Anticipation unit, it is set to the highland of the situation of selling well value according to article, it is determined that priority treatment grade, and will preferentially locate The reason high article of grade be pre-stored in user mobile phone client or in the buffer area of identification and matching regulation and control end, adjust with coupling to be identified Control end, user mobile phone client are transferred.
The situation of selling well of article is sorted by the present invention, thus is prestored in buffer area by article more salable, thus accelerates Processing speed after user's selection, in order in the most complicated identification program, it is possible to be more quickly completed all process.
Preferably, also including U-shield unit, it is set to include
Input equipment, including inquiry button, touch-screen input device and voice broadcast button, described inquiry button is used for triggering Information exchange historical record query function, the information exchange key element that described touch-screen input device exchanges for information for input, The described information exchange key element for information exchange includes subscriber identity information and information quid pro quo information, and described touch-screen input fills Put be additionally operable to input set inquiry password with trigger message exchange historical record query function, described voice broadcast button be used for root It is investigated that the character of consultation record exports the voice messaging corresponding with described character；
VR projector, for showing the historical record that information exchanges, the historical record of described information exchange includes for believing Information exchange key element, information swap time and the signature password of breath exchange；
Central processing unit, connects described input equipment and described VR projector respectively, including administrative unit, RAM memory, Performance element described in USB interface connects, and described central processing unit is passed through for reception with, described administrative unit by USB interface The information exchange key element for information exchange that described input equipment sends, wants according to the described information exchange for information exchange Element is automatically generated for signature password and information swap time of information exchange, and by the described information exchange being used for information exchange Key element, signature password and information are stored in described RAM memory as the historical record that current information exchanges swap time, described Administrative unit be additionally operable to receive the setting inquiry password sent by described input equipment or detect inquiry button be pressed with Trigger message exchange historical record query function, and after trigger message exchange historical record query function, control described VR and throw Shadow instrument shows a plurality of information exchange historical record of storage in described RAM memory；
Wherein, when described administrative unit, described information exchange key element, signature password and the information being used for information exchange is handed over When time of changing is stored in described RAM memory as the historical record that current information exchanges, described RAM memory is stored by circulation Mode, all the time storage current information exchange historical record；
Wherein, the one during described RAM memory is SRAM SRAM and dynamic RAM DRAM.
The present invention can strengthen the safety of transaction further by above-mentioned U-shield unit.
Preferably, described USB interface is for exchanging the information to be verified of user mobile phone client according to type of service The form of request is converted to corresponding information exchange data；Judge whether the conversion of described form mates, if coupling, then from described letter Breath exchange data acquisition parameter to be verified also preserves to buffer area, the user identity preset according to described parameter search to be verified Information, if described parameter to be verified hits described subscriber identity information, is then verified described information exchange requests；Treat described in if Certificate parameter is miss described subscriber identity information, the warning message preset according to described parameter search to be verified, if described in treat Certificate parameter is hit described warning message and hits the scoring of described warning message less than a predetermined threshold value, then according to described to be tested The historical information of card parameter acquiring association exchanges data and the verification rule preset, and according to historical information exchange data with default Verification rule judgment described in parameter to be verified whether meet described verification rule, if meeting, then be verified described information hand over Changing request, if not meeting, then refusing described information exchange requests；If described parameter to be verified hits described warning message and hit The scoring of described warning message is more than or equal to a predetermined threshold value, then be verified described information exchange requests；If not mating, then return Return unsuccessfully abnormal information；
Described USB interface, for described parameter to be verified is divided into multiple information dimension, obtains according to each information dimension Corresponding verification rule and historical information exchange data, and the verification rule corresponding according to each dimension and historical information exchange data Obtain the rating result of this dimension, obtain final rating result according to the rating result of all dimensions, and according to described final review Level result judges whether described parameter to be verified meets described verification rule, if meeting, then being verified the exchange of described information please Ask；If not meeting, then refuse described information exchange requests.
The present invention is graded for the safety of its information transmitted by USB interface, thus allows user at information Learn its safety coefficient during reason, facilitate the transaction carrying out ideal money that it is safer.
Preferably, also including paces authentication unit, it is connected with bio-identification authentication server, and described bio-identification is verified Server prestores the information of walking of user, and described information of walking includes gradient, path, speed；
Described paces authentication unit includes
Gradient detection unit, it is for gathering gradient when walking of user mobile phone client, and it detects described use Family cell-phone customer terminal gradient with respect to the horizontal plane；
Path setting unit, it is for gathering path when walking of user mobile phone client, and it is in described operation instruction Mark arrives described first reference section and by described user operation in the case of described operating portion, identifies described operation instruction The path i.e. mobile route that should move to described second reference section of arrival from described first reference section is set；
Speed setting unit, it is for gathering speed when walking of user mobile phone client, and it is in described operation instruction Mark arrives described first reference section and obtains the inspection of described gradient detection unit by described user operation during described operating portion The gradient of the described user mobile phone client measured, gradient based on the described user mobile phone client obtained sets Translational speed in the described operation instruction mark a part of interval in described mobile route；
Adjustment unit, its described operation instruction mark set based on described speed setting unit is interval in a described part Interior translational speed sets the interval beyond the described operation instruction mark described a part of interval in described mobile route I.e. translational speed in residue interval, in order to make described operation instruction mark play described second benchmark from described first reference section Move with the setting time of regulation till portion；And
Processor, it controls described operation instruction mark, in order to make described operation instruction mark interval in a described part In the translational speed that sets with described speed setting unit move, and with described adjustment unit in described residue is interval The translational speed set moves, and the inclination of user mobile phone client collected, speed, path are sent to raw by it Thing identification authentication server, bio-identification authentication server checking gradient, speed, path and the gradient prestored, speed, road Whether footpath mates, if coupling, output identifies signal, if not mating, then output alarm signal.
The present invention can gather walking of user by said structure on the basis of other biological identification technology pioneeringly Attitude and custom, thus allow users to many a kind of bio-identification checkings, reach to pay safer effect.
Embodiment 2
Circulation coin refers to a national legal tender in the present invention.
As it is shown in figure 1, the invention provides a kind of application platform and the method for coin of concluding the business, including handshake mechanism connect end 1, Identification and matching regulation and control end 12, transaction attribute storage end 13, user mobile phone client 14 and settlement of transactions end 15, the mobile phone service for checking credentials End 16, Net silver service end 17.
Described transaction attribute storage end 3, user request end 4, settlement of transactions end 5, mobile phone service for checking credentials end 6 and Net silver service End 7 is all connected to described identification and matching regulation and control end 2, and described identification and matching regulation and control end 2 is connected to described handshake mechanism and connects end 1；
Described handshake mechanism connects end 1 storage the identification and matching regulation and control end identity code of 1-n subsystem.Described shake hands Mechanism connects the subscriber identity information in end and product information and is sent to identification and matching regulation and control end, by being sent to identification Coupling regulation and control end sends user mobile phone client 4, and described user mobile phone client 4 can show received in the way of default Information；
Described client logs in for user.
Preferably, described identification and matching regulation and control end 2 includes data base 21；
Described data base 21 storage has identification and matching regulation and control end identity code, the identity information of all users, transaction to belong to Property storage end identity code, user mobile phone client identity code, settlement of transactions end identity code, the mobile phone service for checking credentials End identity code, Net silver service end identity code, currency type exchange ratio.Subscriber identity information in described data base 21 and friendship Easily thing information is also sent to user mobile phone client 4, and described user mobile phone client 4 can show in the way of default and received The information arrived；
The identity information of all users and product information；
Described identity information includes registering the identity code of user, title, address, communication modes；
Storage end 3 storage of described transaction attribute has transaction attribute storage end identity code, physical item and picture, rule Lattice, model, parameter, measurement unit, quantity, price, mortgage subject matter and picture, specification, model, parameter, measurement unit, number Amount, price, service item and measurement unit, quantity, price, credit and debt people's title and the amount of money；
The storage of described user mobile phone client 4 has the identification code of user mobile phone, phone number, the face of user, pupil, language The bio-identification combinational code of sound, fingerprint, user mobile phone registration.
Described settlement of transactions end 5 stores useful identity code, the transaction coin clearing bio-identification combination of family user mobile phone, coin Kind exchange ratio, transaction coin account, platform transaction coin trading account and platform service charge transaction coin account, national treasury transaction coin account； Described customer transaction coin account includes the identity code of user, transaction coin remaining sum, credit line, credit balance, mortgage amount With mortgage remaining sum；Described platform transaction coin account includes the transaction coin remaining sum that platform is had；Described platform service takes transaction coin Account includes platform service expense transaction coin remaining sum.Described national treasury transaction coin account includes that national treasury identity code is respectively concluded the business more than coin Volume.
Described mobile phone service for checking credentials end 6 storage have the identification code of mobile phone of user mobile phone, phone number, the face of user, The bio-identification combinational code of pupil, voice, fingerprint, user mobile phone registration；User mobile phone name, address, ID (identity number) card No., communication Regional code；
Described Net silver service end 7 storage have user circulate coin account, platform circulation coin trading account, platform service expense circulation Coin account, national treasury circulation coin account；Described user coin account storage of circulating has the identity code of this user；User mobile phone Net silver Clearing bio-identification combination；The circulation coin trading account storage of described platform has the identity code of this platform, circulation coin remaining sum, institute State platform service expense circulation coin account storage and have the identity code of service charge.The circulation coin account storage of described national treasury has national treasury body Part identification code and account of treasury account.
Identity code is utilized can user uniquely to be identified.
Optionally, transaction coin has two attribute, and one, for generate transaction coin, is produced by concluding the business, and claims transaction coin Remaining sum, also referred to as storage transaction coin；Another kind of for transaction coin can be generated, all can become coin of can concluding the business by product, transaction can be generated Coin is divided into again (such as guaranty, the credit) that can overdraw, can not overdraw such as vanilla transaction thing.
The remaining sum that transaction coin remaining sum mark user is remaining on this transaction platform.On this transaction platform, all to be transacted Commodity be referred to as product, every commodity are all set with transaction value.On this transaction platform, each user can be given Certain credit line, but user can use a part of credit, it is therefore desirable to set credit balance, represent that this user is remaining Credit line.
On this transaction platform, described transaction coin remaining sum, product price, credit line and credit balance are all with transaction Coin is amount units, and amount units is unit.
When this transaction platform initializes, can be to one identity code of each user setup, the transaction coin remaining sum of user Being zero, credit line is zero；If after setting the credit line of user, then credit balance is equal to credit line.
Initially begin credit line, credit rating organization can be specified to comment each user entering platform by country Fixed, give initial credit line.
Illustrate as a example by China: the credit line of enterprise sets the 1% of registered enterprise fund volume；Personal credit amount sets Everyone 10,000 yuan.Showing according to announcing data the end of the year 2014 on the net, Chinese each human subject has 6932.22 ten thousand families, registered capital 129.23 trillion yuan；Personal credit card adds up hair fastener 4.55 hundred million.Set this platform enterprise credit line by 129.23 trillion yuan 1.2923 trillion yuan can be generated；Personal credit application for registration 100,000,000 people, personal credit amount can generate 1 trillion yuan by 100,000,000 people.Then By mate with credit line single-candidate, acquisition transaction coin 2.2923 trillion yuan.The method of transaction coin is generated at this not as other Repeat again, listed above explanation transaction coin can growing amount.
Alternatively, the transaction such as all of transaction item and trading activity all can enter the transaction of this platform.
Alternatively, described data base also stores the authentication code of user, described authentication code for The identity at family is verified.
In order to ensure the safe operation of Platform Server and data thereof, can be distributed server, cloud computing, utilization number According to encryption, digital authenticating and the authentication etc. of other method, and the data (such as: data base) wherein stored can back up It is stored in different location.
Preferably, described transaction coin is determined such that with the relation of circulation coin
If transaction coin and transaction coin are with reference to the price ratio of state for 1:1, transaction coin is used for reference to the price of state with its other country Transaction coin and the exchange ratio of various countries' circulation coin, set transaction coin with various countries' circulation currency exchange than the cycle, transaction coin in the cycle Fixing with various countries' circulation currency exchange ratio, transaction coin can not directly be exchanged with various countries' circulation coin, can only work as transaction in process of exchange During coin deficiency, supplement transaction coin difference by the exchange ratio of circulation coin；During circulation coin periodical balancing, platform collects circulation coin by currency type Exchange ratio and return user.Also state can be applied to consult limitation by each transaction coin to exchange, after consulting to determine exchange proportion, by each diplomatic relations Easily the transaction coin storage ratio of coin is by exchanging than circulation coin limitation exchange trading coin.
Optionally, transaction coin calculates than by the price of various countries ratio with exchanging of circulation coin, and it doesn't matter with the exchange rate of various countries, The exchange of transaction coin and RMB ratio for 1:1, with other countries exchange than by the price of itself and China than calculating, price is than ginseng Be directed towards this transaction platform user collection every year according to thing, ballot determines object of reference.The quantity of each subsystem object of reference can not With, but all in platform price than in object of reference catalogue, transaction coin calculates once than monthly, the most finally with the exchange of circulation coin It is defined as concluding the business coin and the exchange of the coin that circulates is announced than at this transaction platform.
As preferably, the transaction of described product；
User confirms product in transaction attribute storage end 3；
Send a request to identification and matching by buyer's user mobile phone client 4 and control end 2；
Control end 2 by identification and matching and send a request to settlement of transactions end 5 and mobile phone service for checking credentials end 6
Mobile phone service for checking credentials end 6 verifies user mobile phone client information, is verified；
User is in cell-phone customer terminal input clearing bio-identification combination, and settlement of transactions end 5 is verified；
In settlement of transactions end 5 buyer will buy conclude the business needed for commodity coin volume and service charge volume from buyer account and put under flat Platform trading account, serves as guarantee fund；
Settlement of transactions end 5 transmits the request to identification and matching and controls end 2；
Identification and matching controls end 2 and sends the request to seller user cell-phone customer terminal 4；
The buyer confirms that transaction completes；
Buyer's user mobile phone client 4 sends a request to identification and matching and controls end 2；
Identification and matching controls end 2 and sends the request to settlement of transactions end 5；
This transactional services expense puts under in settlement of transactions end 5 platform service expense account, and residue guarantee fund puts seller's account under Family.
Preferably, the buyer preferentially uses transaction coin remaining sum when platform provides cover.
Preferably, the buyer when platform provides cover, the part of transaction coin Sorry, your ticket has not enough value guarantee fund, by user oneself from By select with can credit balance, mortgage remaining sum supplement and circulation coin by exchange than supplementary difference.
Optionally, described circulation coin is pressed and is exchanged than supplementary difference,
In settlement of transactions end 5 buyer will buy conclude the business needed for commodity coin volume and service charge volume from buyer account and put under flat Platform trading account serves as guarantee fund, and account trading coin is time Sorry, your ticket has not enough value；
Settlement of transactions end 5 transmits the request to identification and matching and controls end 2；
Identification and matching control end 2 sends the request to Net silver service end 7 and registers the bank account of user's binding；
Net silver service end 7 sends the request to buyer's cell-phone customer terminal 4；
The buyer inputs the combination of Net silver bio-identification at cell-phone customer terminal 4；
Mobile phone service for checking credentials end 6 and Net silver service end 7 are proved to be successful and send a request to cell-phone customer terminal 4；
Cell-phone customer terminal 4 sends a request to Net silver service end 7 from buyer account by exchanging than the difference calculating circulation coin Put the guarantee fund that platform trading account completes to supplement under.
Preferably, described circulation coin periodical balancing,
Described ebanking server 3 platform trading account can calculate the unified billing cycle inner platform of various countries' subsystem and collect Circulation coin total value is the 5th value, and the service charge account trading coin total value that in the cycle, account settlement server 4 platform is collected is sexavalence Value, and during clearing, the summation of the transaction coin remaining sum of user is septivalency value, and calculate user's according to following rule and formula Return circulation coin volume:
8th user's settlement bargain same period coin storage is octavalence value, the return circulation coin volume=the octavalence value of the 8th user × (octavalence value/the septivalency value) × (the 5th is worth the-the sexavalence value/exchange ratio)；From ebanking server 3 platform circulation coin account User account is put under by the 8th user's return value.
Optionally, transaction coin billing cycle is set to one month, can supplement by exchanging ratio with circulation coin in process of exchange Difference, returns to user with identical exchange ratio during clearing.
Preferably, each issue various countries of described circulation coin and transaction currency exchange consult to determine that the exchange proportion of limitation, current period circulate The value of currency exchange transaction coin is the 9th value；
9th is worth=the nine value place subsystem transaction coin storage value × exchange proportion, and the 9th user is from Net silver service Device 3 the 9th user account is worth the 9th and puts platform trading account under.
Preferably, the circulation coin use rule of described circulation currency exchange transaction coin is:
The transaction coin circulation total value the tenth that described circulation coin is exchanged in various countries' transaction coin storage ratio limitation is worth, from Net silver The platform trading account of server 3 proceeds to the account of treasury of various countries, and the tenth is worth the increasing of the circulation coin minimizing same period for various countries Send out value or offset national debt value or destroy the value of circulation coin.
Preferably, the transaction between described transnational subsystem 1 and 2,
User mobile phone client 14 confirms product in transaction attribute storage end 23；
Send a request to identification and matching by buyer's user mobile phone client 14 and control end 22；
Control end 22 by identification and matching and send a request to handshake mechanism connection end 1；
Handshake mechanism connects end 1 and sends a request to identification and matching control end 12；
Identification and matching controls end 12 and sends the request to settlement of transactions end 15；
Request is sent checking request to user mobile phone client 14 by settlement of transactions end 15
User mobile phone client 14 input clearing bio-identification combination sends checking request to mobile phone service for checking credentials end 16 He Settlement of transactions end 15, checking coupling；
In settlement of transactions end 14, coin contract money of concluding the business needed for purchase-transaction thing is put under platform transaction account by buyer account Family, serves as guarantee fund；
Product is supplied to the buyer by the seller, and the buyer confirms；
User mobile phone client 14 sends a request to identification and matching and controls end 12；
Identification and matching controls end 12 and sends the request to settlement of transactions end 15；
Settlement of transactions end 15 sends the request to identification and matching and controls end 12
Identification and matching controls end 12 and sends the request to handshake mechanism connection end 1
Handshake mechanism connects end 1 and sends the request to identification and matching control end 22
Identification and matching controls end 22 and sends the request to settlement of transactions end 25
In settlement of transactions end 15, this buyer transaction service charge volume is put under platform service expense account, transaction by contract money Amount of value puts settlement of transactions end 25 seller's service charge volume under and puts platform service expense account under, and residue puts seller account under.
Optionally, transaction coin is international tolerance coin, is that transaction produces；Circulate the coin legal tender as country, Right of issue returns various countries to own, and exchanges international money additional issue transaction coin amount for issuing currency of country, it is necessary to by each transaction The national negotiation of coin application just can determine that its exchange proportion, carries out limitation and exchanges；The amount of transaction coin additional issue returns each exchange state to own.
Optionally, described service charge, in this platform, only in transaction platform process of exchange, simultaneously according to both parties Transactional services expense is collected by the 1% of turnover.Service charge with transaction coin valuation, if according to both parties' turnover 1% simultaneously Two-way collect transactional services expense, break one's promise ratio according to subsystem, determine that the ratio of collecting of this subsystem transaction coin service charge is floated Amplitude, the transaction coin service charge adjustment cycle is 1 year.Circulation coin service charge is collected, and sets up a unfavourable balance preset value, beyond presetting Value collects circulation coin service charge in proportion, adjusts circulation coin service charge in inverse favorable balance ratio and collects ratio, arranges adjustment circulation coin The cycle of service charge is one month.
Optionally, transaction coin does not has debit interest, and in truck platform, article are freely shown.
Optionally, each user of this platform can only bind a bank account, and each subsystem sets up a platform circulation Coin trading account and a circulation coin service charge account；The total amount of transaction coin, service charge is monthly calculated by user's currency type subsystem Also it is by the metering clearing of user's currency type；The circulation coin total value of each subsystem monthly income, first by the friendship of this subsystem income same period Easily the difference after the exchange proportion deduction service charge of coin total value, is returned by user's accounting；Various countries' subsystem independent operation, solely Vertical clearing, offer one for ripe one.
Optionally, computing formula commonly used by this platform
Transaction coin storage=all customer transaction coin remaining sum total values+platform margin trading transaction coin remaining sum+service charge transaction coin Remaining sum；
Buyer's guaranteed sum=product price+product price × 1% (sets service charge and collects ratio)；
Platform service expense collects volume=product price × (1%+1%), and (setting service charge and collect ratio, both parties are each 1%)；
Seller transaction coin income=product price product price × 1% (sets service charge and collects ratio)；
Unique user monthly circulates, and coin return amount=[circulation coin total value (the platform transaction bank balance of deposits) collected by platform Platform service takes the exchange ratio of transaction coin volume × transaction coin and circulation coin] × { unique user transaction coin remaining sum/all customer transactions Coin remaining sum and；
Transaction coin and various countries' circulation currency exchange ratio=comparable price/various countries of China are than price；
Than price=comparable object of reference price meansigma methods monthly；
Favourable trade balance is cross-system transaction coin income > transaction coin expenditure；
Unfavourable trade balance is cross-system transaction coin income < transaction coin expenditure；
Breaking one's promise, ratio=(mortgage draw that walking expires and do not give back total value+credit draw away to expire do not give back total value)/(mortgage is drawn total Volume+credit draws away total value)；
Transaction adds up the total amount and/12 of user account transaction coin remaining sum coin cycle average storage=annual each the end of month；
Optionally, specific term explanation commonly used by this platform
1. thing and the transaction of thing, refer on transaction platform, with coin valuation of concluding the business, does not realizes directly handing over by circulation coin Easily.When transaction coin deficiency pays, it is also possible to circulation coin supplements difference by ratio.
2. credits, debt transaction: refer to that transaction platform registered members solves credits, debt by this transaction platform by mutual consent Business relation.Debt side can conclude the business stock assets target as security can product, by mortgage target 50% draw away transaction put down Platform transaction coin, in order to pay credits side, credits side obtains transaction coin, terminates debition.Credits side's available transaction coin is in transaction Platform buys required article and service.
3. service transacting refers to that transaction platform provides allowed by law respective services, with transaction coin clearing.
4. transaction with credit refers to that individual and enterprise, at this transaction platform, according to trading rules, obtain and can draw away friendship accordingly The easily amount of coin, draws coin of walking to conclude the business and buys required article and service.
5. vanilla transaction thing refers to, at the article that this transaction platform is sold, also be equal to the thing of prior art online spending Product.
6. mortgage product refers to the article mortgaged in platform transaction.
7. can refer to the article that can cash immediately by product.
Thing the most to be transacted refers to buy thing mortgage monthly payment plan, refunds the most on time and is become mortgage transaction from thing to be transacted Thing, purchase-money mortage thing claims thing to be transacted, refunds on time and become buying thing.Fixed assets mortgage endowment securities for money is also had to claim to treat Product.
9. can generate transaction coin and refer to that credit line and mortgage amount do not draw away the remaining sum of transaction coin.
The most generated transaction coin refer to product concluded the business produce transaction coin remaining sum.
The invention provides a kind of application platform and the method for coin of concluding the business, described transaction coin is international tolerance coin, also It is that circulation coin substitutes coin, in application platform article and service transacting transaction coin valuation and clearing, article and the service of transaction coin Turnover be transaction coin volume, transaction coin valuation unit be first, user conclude the business in this platform process of exchange coin deficiency time can use Transaction coin difference is supplemented by the exchange ratio of circulation coin；During circulation coin periodical balancing, platform is collected circulation coin and is returned by currency type exchange ratio Also user.Transaction coin can not directly be exchanged with circulation coin, can only be after each transaction coin applies state to consult to determine exchange proportion, by each The transaction coin storage ratio limitation of state's transaction coin is exchanged by exchanging ratio.Each exchange state country ownership returned by the circulation coin exchanged, and is used for Various countries reduce circulation coin additional issue amount or offset sovereign debt amount and the destruction amount of circulation coin.
On this transaction platform, product must be within the scope of state's laws allow, for marketable securities (such as stock Ticket, bond, deposit receipt etc.) and it is difficult to the assets cashed immediately, it is impossible to enter the transaction of this platform.
Should follow the law of belonging country in the transaction of each subsystem of this platform, cross-system transaction should follow subsystem transaction The law of both sides state, transaction coin be each subsystem general transaction tolerance coin, accept each subsystem transaction state supervision.
The scale of transaction coin total amount is the transaction exchanged with mortgage subject matter total value and limitation by credit line total amount That measure and decision, the increment size of transaction coin is newly initiated total amount decision by transaction in the unit interval, and transaction coin storage is again Secondary transaction does not affect the change of transaction coin total inventory, the transaction coin amount increased in entering the circulation coin cycle of platform transaction, the cycle User returned by the coin that circulates during clearing, eats up part of and enters the transaction coin amount that the circulation coin of this transaction platform increases.Only circulation coin limitation Exchange transaction coin amount be additional issue amount, transaction coin be not distribution produce, its storage is determined by trading volume, additional issue be by The negotiation of each application country determines, is not affected by single country factor.Transaction coin total amount does not interferes with market prices level, transaction Coin amount does not has number to limit, trading volume have much, transaction coin number just have much.
Transaction coin risk breaks one's promise number by platform credit customer after mainly being concluded the business and ratio determines, as occurred breaking one's promise , the platform transactional services expense that full amount collected by platform of breaking one's promise is supplemented.The ratio broken one's promise can affect collecting of transactional services expense Ratio.The ratio of collecting of transaction coin adjusts according to the ratio of breaking one's promise of this subsystem in the cycle and collects amplitude, circulation coin collect ratio Example is adjusted by the unfavourable balance of this subsystem, favorable balance and collects amplitude.Platform overall operation does not has risk, so transaction coin runs also There is no risk.The platform total debt-credit of transaction is that balance is equal, and operation is stable.
Transaction coin is a kind of non-distribution coin, is also a kind of non-negotiable coin, and digital cash has the advantage that, transaction coin all has Standby, transaction coin overcomes the defect of circulation coin simultaneously, solves the circulation indeterminable problem of coin.Transaction coin is the tolerance of transaction Coin, derives from transaction, serves again transaction.In addition to transaction, any nontransaction activity all can not produce transaction coin, it is impossible to by meter Calculation machine calculates and produces, and after can only being consulted certainty ratio with circulation coin by various countries, limitation is bought, and institute of purchase country returned by the transaction coin of purchase Have；In addition the method that neither one is specifically generated transaction coin, expects that transaction coin can only be handed in the transaction of this transaction platform Easily article, or provide service transacting to produce, return one's own department or unit of transaction.Transaction coin does not has debit interest, can replace stream Logical coin realizes the real-time deal of thing and thing.Invention also overcomes circulation coin defect, can directly liquidizing remnant assets, can be effectively The problems such as the credit and debt of solution enterprise and financial strain, reduce transaction cost, and boost consumption demand, excites the market vitality, shakes Emerging World Economics.
Embodiment described above is only to be described the preferred embodiment of the present invention, the not model to the present invention Enclose and be defined, on the premise of designing spirit without departing from the present invention, the those of ordinary skill in the art technical side to the present invention Various deformation that case is made and improvement, all should fall in the protection domain that claims of the present invention determines.

Claims (10)

1. the application platform of a coin of concluding the business, it is characterised in that: include that handshake mechanism connects end, identification and matching regulation and control end, transaction Attribute storage end, multiple user mobile phone client and settlement of transactions end, mobile phone service for checking credentials end, Net silver service end；
Described transaction attribute storage end, user request end, settlement of transactions end, mobile phone service for checking credentials end and Net silver service end are all and institute Stating identification and matching regulation and control end to connect, described identification and matching regulation and control end is connected to described handshake mechanism and connects end；
Described handshake mechanism connects the identity code that end is provided with the identification and matching regulation and control end of 1-n subsystem；Described identification and matching According to data base, regulation and control end identifies whether the subscriber identity information inputted mates with described identity code, if coupling, then hold Mobile phone system connects end and sends subscriber identity information and product information to user mobile phone client, described user mobile phone client With predetermined manner show described in the subscriber identity information that receives and product information；
Described settlement of transactions end storage has the transaction coin clearing bio-identification combination of user's identity code, user mobile phone, currency type to convert Change ratio, transaction coin account, platform transaction coin trading account and platform service charge transaction coin account, national treasury transaction coin account；In advance If described settlement of transactions end exports the fixing currency type in next cycle according to the median of currency type exchange ratio and exchanges ratio in the cycle；
Described transaction attribute storage end is used for updating product information；
Wherein, user mobile phone client controls end by identification and matching and is connected with settlement of transactions end and mobile phone authentication server end, Described mobile phone service for checking credentials end regulates and controls the identity code of end and the user identity inputted according to database authentication identification and matching Whether information mates, if coupling, then the mobile phone service for checking credentials end checking by user mobile phone client, and, mobile phone checking clothes Business end controls Net silver service end by settlement of transactions end to be completed to transfer accounts.
The application platform of a kind of coin of concluding the business the most according to claim 1, it is characterised in that: described Net silver service end will be by such as Lower formula is by the return currency volume H of the 8th user1Transfer accounts the account to the 8th user:
H 1 = H &times; ( H G ) &times; ( E - F D ) ;
Wherein, H1For the return currency volume of the 8th user in the cycle；
H is the 8th user's settlement bargain same period storage in the cycle；
E is subsystem unified circulation coin total value that billing cycle inner platform is collected in various countries' in the cycle；
F is the service charge account trading coin total value collected in the cycle；
The summation of the transaction coin remaining sum of user when G is cycle interior clearing；
D is currency type exchange ratio in the cycle.
The application platform of a kind of coin of concluding the business the most according to claim 2, it is characterised in that: described mobile phone service for checking credentials end bag Include Platform Server, bio-identification authentication server, ID card verification server, user mobile phone client, be configured in user Cell-phone customer terminal on cell-phone customer terminal；
Described Platform Server is provided with data base, and described database purchase has following one or more to combine:
The phone number of user mobile phone client, Quick Response Code, user mobile phone client bio-identification combinational code, user mobile phone client End name, address, ID (identity number) card No., communications zone coding, bio-identification authentication server identification code；
Bio-identification authentication server storage has following one or more to combine:
The identification code of user mobile phone client, phone number, the face of user, pupil, language, fingerprint, user mobile phone client The bio-identification combinational code of registration；
ID card verification server is connected by the data base being provided with Platform Server, bio-identification authentication server, according to The Information Authentication of the data base that Platform Server is provided with its whether with the information matches of bio-identification authentication server, if coupling, Then by checking, and export ID card verification server identification code to user mobile phone client.
The application platform of a kind of coin of concluding the business the most according to claim 3, it is characterised in that: also include Alarm Server, institute State Alarm Server and include warning card module,
Alarm Server storage has the client identity identification code of user mobile phone client, the client of described user mobile phone client End identity code includes the alarm fingerprint of user, communications zone coding, warning card module identification code, map；
Warning card module stores following one or more and combines:
User mobile phone client client identification code, alarm fingerprint, map, communications zone coding, the name of alarm people, cell-phone number Code, ID (identity number) card No., warning video, voice, time of fire alarming, map denotation position；
Alarm Server is by entering with the information of the client identity identification code of user mobile phone client, the storage of warning card module Row compares, if not mating, then phase user mobile phone client sends by Alarm Server identification code, warning card module identification code structure The alarm signal become.
The application platform of a kind of coin of concluding the business the most according to claim 3, it is characterised in that: also include settle accounts card module, Business card module, service customer end；
Clearing card module stores following one or more and combines:
The checking combination of client identification code, Quick Response Code, clearing bio-identification, settlement accounts, account balance, inside money and circulation The exchange ratio of coin；
Business card module stores following one or more and combines:
Client identity identification code, Quick Response Code, the bio-identification combinational code of user；
Service customer end is for the display inquiry of corresponding card module；
Clearing card module, business card module, service customer end are connected with ID card verification server, Alarm Server, knot Calculate card module, business card module, service customer end to identify whether according to its information and ID card verification server, warning clothes The information matches that business device connects, if coupling, inserts to user mobile phone client transmission clearing card module identification code, business respectively Part module code, cell-phone customer terminal identification code.
6. utilize the register method of the application platform of a kind of coin of concluding the business described in claim 3, it is characterised in that include walking as follows Rapid:
S101, user send registration request to user mobile phone client；
S102, cell-phone customer terminal obtain the SIM phone number of user mobile phone client, and ask user mobile phone client gunman Plane No. code is bound with cell-phone customer terminal；
If S103 binding success, then cell-phone customer terminal sends user identification code to Platform Server；
S104, Platform Server send ID card verification request to user mobile phone client, and user mobile phone client starts checking Request, if the ID card verification module verification identity card success of user mobile phone client, then cell-phone customer terminal preserves identity card letter Breath；
S105, cell-phone customer terminal start the bio-identification module of user mobile phone client, and described bio-identification module collection can The bio information gathered includes: finger print information, face information, pupil information, voice timbre information, and the information gathered is deposited Entering cell-phone customer terminal, the most same user needs at least two finger print information；
The above-mentioned bio information collected is sorted by S106, cell-phone customer terminal, and synthesising biological recognition combination code, and biology is known Other combinational code is uploaded to bio-identification authentication server, and bio-identification authentication server stores bio-identification combinational code；
S107, Alarm Server, according to bio information, select at least at least one in finger print information, face information At least one at least one and/or voice timbre information in individual, pupil information is alarm signal,
When Platform Server receives bio information corresponding to the selected alarm signal of Alarm Server, then pass through alert service Device sends alarm signal to security centre；
Bio information corresponding to the selected alarm signal of Alarm Server and described biological letter is not received when Platform Server connects During the information matches that breath stores with Platform Server, then passed through the registration request of described cell-phone customer terminal by Platform Server.
The application platform of a kind of coin of concluding the business the most according to claim 1, it is characterised in that: described handshake mechanism connects end also Including
Call unit, is arranged at least call the limited multiple item contents to the article group of described product information relevant The title of connection, the situation of selling well value of the item contents in described article group and each with the item contents in described article group The remaining number that individual item contents is associated, wherein, each article group is assigned to unique user；
Transmission unit, is arranged to receiving the article selected for acquisition by described server apparatus from the terminal of user When the item contents of content obtains request, call part or all of item contents in the article group that described user distributes The item contents obtained as described user；
Replacement unit, is arranged to reduce the remaining number being associated with acquired item contents, and replaces described article group； And
Performance element, is arranged to provide relevant with remaining item contents in described article group to the described terminal of described user Article group in content information, in wherein said article group, content information includes: obtained described user by described item contents Information that the title of the item contents taking acquisition request carries out indicating, to the article in described article group with the highest situation of selling well value The title of content and remaining number carry out the information that indicates and to the sum of the remaining number of item contents in described article group Carry out the information indicated；
Anticipation unit, it is set to the highland of the situation of selling well value according to article, it is determined that priority treatment grade, and by priority treatment etc. In that the high article of level are pre-stored in user mobile phone client or the buffer area of identification and matching regulation and control end, with coupling regulation and control to be identified End, user mobile phone client are transferred.
The application platform of a kind of coin of concluding the business the most according to claim 7, it is characterised in that: also including U-shield unit, it is arranged For including
Input equipment, including inquiry button, touch-screen input device and voice broadcast button, described inquiry button is used for trigger message Exchange historical record query function, the information exchange key element that described touch-screen input device exchanges for information for input, described Information exchange key element for information exchange includes subscriber identity information and information quid pro quo information, and described touch-screen input device is also Exchanging historical record query function for inputting setting inquiry password with trigger message, described voice broadcast button is for according to looking into The character of consultation record exports the voice messaging corresponding with described character；
VR projector, for showing the historical record that information exchanges, the historical record of described information exchange includes handing over for information Information exchange key element, information swap time and the signature password changed；
Central processing unit, connects described input equipment and described VR projector, respectively including administrative unit, RAM memory, USB Performance element described in interface connects, described central processing unit by USB interface with, described administrative unit for receiving by described The information exchange key element for information exchange of input equipment transmission, according to the described information exchange key element for information exchange certainly The dynamic signature password generated for information exchange and information swap time, and the described information exchange being used for information exchange is wanted Element, signature password and information are stored in described RAM memory as the historical record that current information exchanges swap time, described pipe Reason unit is additionally operable to receive the setting inquiry password sent by described input equipment or detect that inquiry button is pressed to touch Photos and sending messages exchange historical record query function, and after trigger message exchange historical record query function, control described VR projection Instrument shows a plurality of information exchange historical record of storage in described RAM memory；
Wherein, when described administrative unit is by described information exchange key element, signature password and the information exchange being used for information exchange Between as current information exchange historical record be stored in described RAM memory time, the side that described RAM memory is stored by circulation Formula, all the time historical record of storage current information exchange；
Wherein, the one during described RAM memory is SRAM SRAM and dynamic RAM DRAM.
The application platform of a kind of coin of concluding the business the most according to claim 8, it is characterised in that: described USB interface is used for basis The form of the information exchange requests to be verified of user mobile phone client is converted to corresponding information exchange data by type of service； Judge whether the conversion of described form mates, if coupling, then exchange data acquisition parameter to be verified from described information and preserve to slow Depositing in district, the subscriber identity information preset according to described parameter search to be verified, if described parameter to be verified hits described user Identity information, then be verified described information exchange requests；If described parameter to be verified is miss described subscriber identity information, root The warning message preset according to described parameter search to be verified, if described parameter to be verified hits described warning message and hit is described The scoring of warning message be less than a predetermined threshold value, then according to described parameter acquiring to be verified association historical information exchange data and The verification rule preset, and whether accord with according to parameter to be verified described in historical information exchange data and default verification rule judgment Closing described verification rule, if meeting, being then verified described information exchange requests, if not meeting, then refusing the exchange of described information Request；If described parameter to be verified is hit described warning message and hits the scoring of described warning message and preset threshold more than or equal to one Value, then be verified described information exchange requests；If not mating, then return unsuccessfully abnormal information；
Described USB interface, for described parameter to be verified is divided into multiple information dimension, obtains correspondence according to each information dimension Verification rule and historical information exchange data, according to each dimension corresponding verification rule and historical information exchange data acquisition The rating result of this dimension, obtains final rating result according to the rating result of all dimensions, and according to described final grading knot Fruit judges whether described parameter to be verified meets described verification rule, if meeting, is then verified described information exchange requests；If Do not meet, then refuse described information exchange requests.
The application platform of a kind of coin of concluding the business the most according to claim 3, it is characterised in that: also include paces authentication unit, It is connected with bio-identification authentication server, described bio-identification authentication server prestore user walk information, described in walk Road information includes gradient, path, speed；
Described paces authentication unit includes
Gradient detection unit, it is for gathering gradient when walking of user mobile phone client, and it detects described user's hands Machine client gradient with respect to the horizontal plane；
Path setting unit, it is for gathering path when walking of user mobile phone client, and it identifies in described operation instruction Arrive described first reference section and by described user operation in the case of described operating portion, described operation instruction is identified from institute State the first reference section to rise to arriving the path i.e. mobile route that should move described second reference section and be set；
Speed setting unit, it is for gathering speed when walking of user mobile phone client, and it identifies in described operation instruction Arrive described first reference section and obtained described gradient detection unit by described user operation during described operating portion and detect The gradient of described user mobile phone client, gradient based on the described user mobile phone client obtained sets described Translational speed in the operation instruction mark a part of interval in described mobile route；
Adjustment unit, its described operation instruction set based on described speed setting unit identifies in described a part of interval The interval that translational speed sets beyond the described operation instruction mark described a part of interval in described mobile route is the most surplus Translational speed in supplementary interval, in order to make described operation instruction mark play described second reference section from described first reference section and be Only move with the setting time of regulation；And
Processor, it controls described operation instruction mark, in order to make described operation instruction mark in a described part is interval with The translational speed that described speed setting unit sets moves, and sets with described adjustment unit in described residue is interval Translational speed move, and the inclination of user mobile phone client collected, speed, path are sent and know to biological by it Other authentication server, bio-identification authentication server checking gradient, speed, path with the gradient prestored, speed, path are No coupling, if coupling, output identifies signal, if not mating, then output alarm signal.
CN201610551162.3A 2016-07-13 2016-07-13 The application platform of a kind of coin of concluding the business and method Pending CN106157007A (en)

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