WO2014079330A1

WO2014079330A1 - Synchronous payment system

Info

Publication number: WO2014079330A1
Application number: PCT/CN2013/087002
Authority: WO
Inventors: 雷桂斌; 王淑青
Original assignee: 广东海洋大学
Priority date: 2012-11-23
Filing date: 2013-11-13
Publication date: 2014-05-30
Also published as: CN103077454A

Abstract

Provides is a synchronous payment system. The system comprises a buyer computer system, a seller computer system, a buyer bank synchronous payment system, a seller bank synchronous payment system and a secure communication network. The buyer operates the buyer bank synchronous payment system to obtain currency to be paid and a buyer password, and the seller obtains currency to be received, a seller password, a weight password and a state password. The buyer transmits the buyer password to the seller after receiving qualified goods, and the seller receives the currency by the buyer password through the seller bank synchronous payment system, or the buyer pays the currency to be paid to the seller to finish payment. On the contrary, the seller transmits the seller password to the buyer after receiving returned goods, and the buyer receives refund by the seller password through the buyer bank synchronous payment system, or the seller pays the currency to be received to the buyer to refund. In the present invention, the currency virtualization and compositing technologies are used for controlling the payment process by the buyer and the seller, and the problem of commodity transaction payment security is solved.

Description

Synchronous payment system

The invention relates to the field of online payment technology in financial services, in particular to online payment system and method for online commodity transaction.

Background technique

At present, commodity trading is divided into four categories according to the characteristics of time and space: time and space of the same transaction, cash in stock, such as buying in the mall

Clothes; time separation transactions, long trading hours, such as buying and selling houses, viewing, deposits, down payment, loans, real estate licenses, buyers obtaining real estate licenses, closing of transactions; space separation transactions, buying and selling goods in different spaces at the same time,

For example, buy virtual products on the Internet; separate time and space transactions, buy and sell goods at different times and in different spaces, such as online group purchases and international trade.

The settlement methods such as letters of credit, bank guarantee letters, remittances, collections, fund supervision and third-party payment have solved the problem of mutual concern between the buyers and sellers of time and space. Letters of credit, bank guarantee letters, remittances, collections, and fund supervision are financial enterprise businesses. The risks are small. The shortcomings are complicated procedures and high processing costs. Buyers and sellers cannot complete self-service through computer systems. Third-party payment is a non-financial enterprise. The third-party payment enterprise's own business risks and technical risks may be transmitted to the buyers and sellers. The funds are deposited, the non-financial enterprises lack strict supervision, and they are attached to the online banking business. The cost is higher, and the third-party payment is paid. Protection must be combined with a specific e-commerce platform to achieve, leaving a specific business platform can not protect payments, many of the difficulties can not be completely overcome.

In addition, with the development of the information society, the network police (the Network Investigation Department of the Public Security Bureau), the network industry and commerce, and the online court have evolved from maturity to maturity, providing more suitable social basic conditions for the exchange of online goods.

Therefore, the issue of time and space separation transactions between buyers and sellers who are worried about each other's integrity, that is, the issue of the security of online payment, is an urgent problem to be solved. It is to adapt to the development of global economic integration and computer technology, and promote commodity trading. The rapid development of the model, the key to maintaining growth.

Summary of the invention

An object of the present invention is to provide a synchronous payment system for solving the problem that buyers and sellers are worried about each other's integrity in time and space separation transactions, reducing commodity transaction disputes, reducing commodity circulation costs, and increasing financial enterprise income.

Another object of the present invention is to provide a method for synchronizing payment systems, which solves the problem that both parties in the time and space separation transaction are worried about each other's integrity, reduces commodity transaction disputes, reduces commodity circulation costs, and increases financial enterprise income.

To achieve the above object, the present invention provides a synchronous payment system including a buyer computer, a seller computer system, a buyer bank synchronous payment system, a seller bank synchronous payment system, and a secure communication network. Buyer computer terminal: Select the goods through the Internet, use the buyer to communicate with the seller, form a contract or order for the commodity transaction, form a secure network connection with the buyer's bank synchronous payment system, and log in to the bank synchronous payment system to complete the payment. After the buyer receives the qualified goods, the buyer will deliver the buyer's password to the seller or log in to the buyer's bank's peer payment system to pay the pending currency to the seller; after the seller receives the return, the seller will return the seller's password to the buyer, and the buyer will log in to the buyer with the seller's password. The bank's peer-to-peer payment system returns the currency to be received or the seller logs into the seller's bank's peer-to-peer payment system to return the pending currency to the buyer. The buyer computer terminal is one of a microcomputer, a notebook computer, an embedded computer, a tablet computer, a smart phone, an ATM (automatic teller machine), and a POS machine.

Seller's computer system: Display and sell your own goods and services via the Internet, and communicate with the buyer's computer terminal

Interaction, negotiation of transaction contracts, order formation, and secure network connection with the seller's bank synchronous payment system, login to the seller's bank synchronous payment system to complete the collection or refund. After the seller issues the goods, modify the pending coins with the delivery status password.

Delivery status. After the buyer receives the qualified goods, the seller receives the buyer's password provided by the buyer. The seller pays the seller's password through the seller's bank's peer payment system or the buyer logs into the buyer's bank synchronous payment system to pay the pending currency to the seller; after the seller receives the return The seller will deliver the seller's password to the buyer, or log in to the seller's bank synchronous payment system to return the money to be returned to the buyer; the buyer is willing to accept the defective goods, negotiate the discount ratio with the seller, and the seller uses the weighted password to modify the weight of the pending currency. , to achieve partial payment. The seller computer system is a computer LAN system composed of a microcomputer, a microcomputer server, a notebook computer, an embedded computer, a tablet computer, a smart phone, an ATM (Automatic Teller Machine), and a plurality of computers connected by a network.

Buyer Bank Synchronous Payment System: Forms a secure network connection with the buyer computer terminal and the seller's bank synchronous payment system, including data storage devices and data processing devices.

The data storage device is configured to store buyer account opening information and transaction information, including: an account opening information storage unit, an account information storage unit, an order information storage unit, a login information storage unit, a payment process information storage unit, a payment matrix storage unit, and a value-added service information storage. Unit, etc.

The data processing device processes the payment operation, and includes: a main processing unit, a client authentication processing unit, an acceptance order processing unit, an order filing processing unit, an order inquiry unit, a password processing unit, a secure communication unit, a savings account operation unit, a fund transfer unit, Reset password unit, buyer payment processing unit, automatic refund unit, delivery status modification unit, modification weight unit, bank charge commission unit, seller collection unit, buyer payment processing unit, seller refund processing unit, buyer recovery fund Unit, buyer passive automatic payment unit, application litigation unit, mandatory processing unit, request manual service unit, system help unit, value-added service unit.

The customer authentication processing unit responds to the buyer user authentication, logs in to the synchronous payment system, accepts the order processing unit to form an order, and the buyer payment processing unit processes the buyer payment operation, and generates a pending currency, a buyer password, and a pending payment in the buyer's bank synchronous payment system. Currency, seller password, weight password, status password, mandatory password. To pay the coins to buy Description

The party account encrypts and sends the buyer password to the buyer; the buyer bank synchronous payment system pays the to-be-paid money to the seller through the seller-bank synchronous payment system, and encrypts and sends the seller password, the weight password, and the status password to the seller. The seller receiving unit processes the seller's request to withdraw the pending currency by the buyer's bank's peer payment system, or the buyer's payment processing unit processes the buyer's request to pay the pending currency to the seller; the fund transfer unit responds to the seller's pending currency And the request for withdrawing cash to be deposited into the seller's account; the seller refund processing unit receives the to-be-received money returned by the seller, and the buyer's recovery fund unit receives the request of the buyer to withdraw the money to be received by the seller's password, and returns from the seller's bank synchronous payment system. The money transfer unit responds to the buyer's request to use the pending currency and the pending currency to withdraw cash into the buyer's account; the mandatory processing unit pays according to the court execution notice.

The buyer bank synchronous payment system is a supercomputer server, a main computer server, a medium computer server, a small computer server, a microcomputer server, a microcomputer workstation and a terminal, and a plurality of computers thereof are connected through a network such as a switch, a router, a modem, or the like. The computer LAN system that constitutes.

The buyer bank data storage device: for storing customer account opening information, account information, order information, login information, payment process information, payment matrix, value-added service information, and the like. The customer's value-added service information is subdivided into: business reputation information, mediation service information, and evidence service information.

Account opening information storage unit: Stores account opening documents, reserved stamps, signature handwriting, mobile phone number, email address and other information.

Account information storage unit: Stores the savings account number, account name, counter password, online banking password, currency, balance and other information.

Order Information Storage Unit: Ongoing payment billing information, bundled trading contract.

Login information storage unit: Information such as the time and number of logins, unsuccessful logins, etc.

Payment process information storage unit: The transient process of a certain step of operation, the start of a certain step of operation, and the end of the data generated in the middle.

Payment Matrix Storage Unit: Buyer: Savings Account, Peer Payment System Account, Token Currency Amount, Pending Payment Status Variable, Buyer Password, Payment Weight; Seller: Savings Account, Synchronous Payment System Account, Token Revenue Amount, Token receipt payment status variable, seller password, delivery status password, weight password; Buyer Bank: Bind transaction contract number, mandatory password, litigation status variable.

Pending currency: A type of virtual currency in which the buyer has decided to pay the seller the specified account currency and can no longer be used for other purposes, limiting liquidity. The pending currency calculates the interest into the buyer's account, cannot be withdrawn, and cannot be mortgaged. In order for the buyer to check the existence of the pending currency at any time, it is displayed in the buyer’s savings account, and it is convenient to write the pending currency into the buyer’s savings account in the existing online banking system, and virtualize it as a foreign currency, and this foreign objective There is no such thing.

To be charged: A virtual currency, in order for the seller to be convinced that the buyer has paid with the peer payment system, at the seller’s savings The amount recorded on the account, the interest to be received has no interest, cannot be withdrawn, and cannot be mortgaged. In order to facilitate the implementation of the pending online currency system in the existing online banking system to write into the seller's savings account. It is virtualized as an alternative foreign currency, and this foreign country does not exist objectively.

Pending payment status variable:

0 state: Protection status, funds have been specified to be paid to an account.

1 state: In the active payment state, the buyer has the right to modify, 5 or 6 state to 1 state, and the pending currency flows to the seller.

2 state: Passive payment mode, the seller through the seller's bank synchronous payment system is modified by the buyer's password, 5 or 6 state to 2 state, the pending currency flows to the seller's bank, and the virtual currency is reconciled into cash and then flows to the seller's account.

3 state: Enforcement state, the buyer's bank enforces the password modification, 4 state to 3 state, and the flow of funds flows according to the flow of the court execution notice or the police settlement notice. Book

4 states: has entered the litigation state, 5 or 6 entered the 4 state.

5 state: In the delivery state, the seller modifies with the shipping status password.

6 state: The weight state, the seller uses the weight password to modify the weight.

To-do payment status variable:

0 state: protection state

1 state: Active refund status, the seller has the right to modify, 0 state to 1 state, the currency to be flowed to the buyer.

2 state: Passive refund status, the buyer is modified by the seller's password, 0 state to 1 state, and the currency to be flowed to the buyer.

3 state: Enforcement state, the buyer's bank enforces the password modification, 0 state to 3 state, and the flow of funds flows according to the flow of the court's execution notice or the police settlement notice.

4 states: The litigation state has been entered, 0 state to 4 state, the payment is locked, and the next step is 3 state.

Buyer password: A set of encrypted authorization codes. The buyer controls the payment process. If the commodity transaction obtains its desired result, the control of the pending currency is given to the seller, that is, the payment is completed.

Seller password: A set of encrypted authorization codes. The seller controls the payment process to control the flow of the money to be returned to the buyer. The buyer cannot use the controlled funds for other purposes unless the goods are returned as they are.

Weighted password: A set of encrypted authorization codes. In time-separated commodity transactions, the price actually paid varies for various reasons. The modified weight password reflects this change. For example, if the buyer receives the goods and the buyer agrees to use the goods, the seller agrees to lower the price, and the weight code is changed to a value less than or equal to 1. The payment received by the seller is the value to be received multiplied by the payment weight. Or due to the buyer's reasons, the return to the seller caused a certain loss, the buyer bears the loss and pays the seller a certain percentage of the price. Solve some of the payment problems.

Status password: A set of encrypted authorization codes, which modify the password of the pending delivery status. The system does not automatically refund the delivery system, simplifying the seller's non-delivery, no refund, and the amount of labor required for manual intervention. Enforced password: A set of encrypted authorization codes. Commodity transactions are involved in judicial disputes and solve the problem of difficult enforcement of court decisions. The authorized password for the payment performed by the bank in accordance with the payment content determined by the court enforcement notice. The bank holds a mandatory password for the contracted transaction number, and only authorized bank staff can use the mandatory password. The mandatory password can change the payment direction of the currency to be received and the currency to be paid, and can also modify the weight password and partially pay.

The value-added service information storage unit includes: a business reputation service information sub-storage unit: stores successful and failed historical transaction information. The buyer’s experience with the goods or services. Mediation service information sub-storage unit: disputes between buyers and sellers Information and suggestions processing methods and results. Proof of service information sub-storage unit: a contract for storing payment-related orders,

Use when needed.

The buyer's bank data processing device includes:

Main processing unit: used to call other workbook energy units in the data processing device to implement the payment function of the synchronous payment system.

Customer Authentication Processing Unit: Authenticates the customer and returns the authentication result to the main processing unit.

Savings Account Operations Unit: Revenue or expense operations on the savings account, the results are returned to the main processing unit. Accepting the order processing unit: receiving the request of the customer to synchronize the payment request, creating a payment order, generating a payment matrix, the main processing unit calls the savings account operation unit, and paying the payment amount in the buyer's multi-currency savings account balance, the cash virtual is the to-be-paid currency , To be received, the result of the virtual currency: Pending currency, pending currency, password: Buyer password, seller password, weight password, status password, mandatory password, returned to the main processing unit.

Order Archive Processing Unit: After the order is completed, the order information will be archived after a certain delay period.

Order inquiry unit: It is used to query the customer's current order information, and query the historical order information in the file. Return the query results to the main processing unit.

The cryptographic processing unit: selects different encryption algorithms according to the requirements of the content for the encryption strength, selects between security and efficiency, decrypts and compares the received content, and returns the result to the main processing unit.

Secure communication unit: When sending, the password processing unit is called to encrypt the content, establish a private network connection or virtual private network connection with the communication partner to ensure the security of communication, and call the password processing unit to decrypt the content when receiving, and the result is returned to the main processing unit. .

Fund transfer unit: Execute the operation of inter-bank virtual currency or cash transfer and transfer, and detect that the buyer has both the pending currency and the pending currency, automatically combine the virtual pending currency and the pending currency into cash, and call the deposit. The account operating unit deposits cash in the buyer's account. It is detected that the seller has both the pending currency and the to-be-received currency, and receives the request that the seller combines the virtual to-be-paid currency and the pending-to-received currency into cash, and transfers the cash to the seller's bank synchronous payment system seller account, and the result is returned to the main processing unit. .

Reset password unit: A party participating in the transaction loses the password, and the buyer logs in to the system to re-distribute the buyer password, the seller password, the weight password, the status password, and the mandatory password. Buyer payment processing unit: The main processing unit calls the acceptance order processing unit, returns the to-be-paid currency, the to-be-received currency, the buyer password, the seller password, the weight password, the status password, the mandatory password, and the main processing unit calls the savings account operation unit at the buyer The multi-currency buyer's savings account stores the amount of the pending currency, the main processing unit calls the encryption unit to encrypt, and then the secure communication processing unit sends the buyer's password to the buyer through the bound mobile phone or the bound mailbox, and the bank staff does not have the right to view the buyer. password. The main processing unit calls the communication processing unit to send the to-be-received currency, the seller password, the weight password, and the status password to the seller bank synchronous payment system. The result is returned by the synchronous payment system of the seller's bank, and the result is finally returned to the main processing unit. The buyer payment processing unit writes all operational results into the payment matrix.

Automatic refund unit: After the buyer's payment processing unit says that the operation is completed, the timer is started, the threshold is reached, the delivery status in the payment matrix is detected, the seller does not ship, and the main processing unit calls the secure communication unit to send to the seller's bank synchronous payment system. The transaction prompt will be closed. When the seller's bank synchronous payment system has notified the seller that the seller has notified the seller, the seller's bank synchronous payment system will return the money to be returned to the seller's bank synchronous payment system, and the main processing unit calls the savings account operation unit to clear the pending currency and call the funds. The transfer unit combines the virtual to-be-paid currency and the to-be-received currency into cash, deposits funds in the buyer's account, and completes the automatic refund.

Delivery status modification unit: Modify the delivery status in the payment matrix and turn off the automatic refund unit function.

Modifying the weight unit: The main processing unit calls the secure communication unit to receive the modified weight password, the new weight and the returned part of the pending currency sent by the seller's bank synchronous payment system. After the verification is successful, the weight in the payment matrix is rewritten, and the fund is called. The transfer unit combines the returned part of the virtual currency to be received and the corresponding pending currency into cash, and calls the savings account operation unit to deposit cash in the buyer's account. The main processing unit invokes the security communication unit to send the modified weight to the seller's bank synchronous payment system successfully. The main processing unit invokes the secure communication unit to send the modified weight information to the buyer's handset.

Commission discount unit: In the scope permitted by laws and regulations, a higher commission rate is set, and a premium commission is applied to quality users who consume less resources from the synchronous payment system.

The bank collects the commission unit: different commissions are charged according to different orders, which are deducted from the actual successful payment order. The buyer's bank and the seller's bank share commissions in a certain proportion.

Seller receiving unit: The main processing unit calls the secure communication unit to receive the buyer password. After the verification is successful, the calling fund transfer unit pays the pending currency to the seller's bank synchronous payment system, and the seller's bank synchronous payment system uses the pending currency and the pending currency. Simultaneously with the buyer's bank synchronous payment system settlement, the main processing unit calls the savings account operation unit to clear the pending currency, and the fund transfer unit combines the to-be-received currency and the corresponding pending currency into cash, and the main processing unit calls the bank to receive the commission unit to pay The amount deducts the commission, the main processing unit of the buyer's bank synchronous payment system calls the fund transfer unit to transfer the cash to the seller's bank synchronous payment system seller account, the main processing unit calls the secure communication unit to wait for the seller's bank to reply, and receives the payment success message, the main processing The unit rewrites the payment matrix and the payment process ends. Buyer payment processing unit: After the buyer successfully logs in, the payment of the pending payment instruction is issued, and the main processing unit calls the fund transfer unit to pay the pending payment to the seller's bank synchronous payment system, and the seller's bank synchronous payment system uses the pending payment and the to-be-received currency. Paying system settlement with the buyer's bank, the main processing unit calls the savings account operation unit to clear the pending currency, and the fund transfer unit combines the to-be-received currency and the corresponding pending currency into cash, and the main processing unit calls the bank to receive the commission unit. The amount payable deducts the commission, the buyer's bank's peer payment system main processing unit calls the fund transfer unit to transfer the funds to the seller's bank synchronous payment system seller account, the main processing unit calls the secure communication unit to wait for the seller's bank to reply, and receives the payment success message. The main processing unit rewrites the payment matrix and the payment process ends.

Seller refund processing unit: The main processing unit calls the secure communication unit to receive the to-be-received currency, and the main processing unit calls the savings account operation unit to clear the pending payment in the savings account, and the fund transfer unit simultaneously sets the pending currency and the corresponding pending payment. The currency is compounded into cash, and the same amount of funds is deposited in the buyer's savings account.

The buyer recycles the funds unit: the main processing unit calls the secure communication unit to send the seller password, waits for the seller to synchronize the payment system processing result, the main processing unit calls the secure communication unit to receive the to-be-received currency, and calls the savings account operation unit to clear the pending-paying currency in the savings account, the funds The transfer unit combines the to-be-received currency and the corresponding to-be-paid currency into cash, and deposits the same amount of funds in the buyer's savings account.

High-risk group inquiry unit: Inquire about the public security system network, judge whether the customer is a high-risk group in high-risk groups and criminal cases, and store the result in the account information storage unit. The high-risk group of criminals and high-risk groups in criminal cases are classified as high-risk groups for payment disputes. The rating shows whether the buyer and the seller are at high risk of the dispute and their grading, and the high-risk group transaction is not suitable for automatic payment and automatic refund.

Buyer Passive Automatic Payment Unit: For orders whose amount is greater than the limit value, the seller sends a dunning notice to the buyer through the synchronous payment system. The buyer does not make any reply and payment, cannot automatically pay, and solves the deadlock through judicial channels. The buyer's bank synchronous payment system passively pays automatically. After the buyer's bank synchronous payment system receives the seller's application for automatic payment, the main processing unit calls the inquiry unit to query the business reputation level of the two parties to determine whether the automatic payment request is met, and whether the order amount is less than the limit. The value of the seller is determined by the seller to provide the buyer with the receipt of the logistics document, and the buyer has reserved the signature handwriting comparison, the handwriting verification is successful, and the payment has been delayed. All of the above conditions are established by the system to automatically pay. Alternatively, when paying an order under the buyer, ask if you agree to use this feature.

Application for litigation unit: The seller and the buyer failed to negotiate. One of the parties decided to enter the litigation, rewrite the litigation state variable of the payment matrix, close the automatic payment function, and the payment order was locked. Only the processing unit could be forced to unlock the payment deadlock.

Mandatory processing unit: The authorized bank of the buyer bank enters the court execution notice, the mandatory password, and the main processing unit verifies the mandatory password. After successful, the modified weight unit is called to modify the weight, and the fund transfer unit transfers the funds, and clears the pending currency. , the currency to be paid, the transaction status is recorded in the business reputation service sub-unit, and the transaction is ended.

Request a human service unit: Send a message to a customer service or form a real-time conversation. System help unit: Get system usage instructions and collect user feedback on system improvements.

Value-added service units include: Business Reputation Service Sub-Unit: Record successful, failed historical transaction information. Provide clues for subsequent sellers to exclude malicious buyers. The buyer’s experience with the goods or services. Mediation Service Subunit: The main processing unit invokes the request human service unit to receive user requests and statements, and returns the bank customer service suggestion processing method and result to the main processing unit. The handling method and result of the dispute between the buyer and the seller and the bank customer service suggestion are recorded as the customer's goodwill subunit. Evidence Service Information Sub-Unit: Record the contract for payment related orders, record the buyer's receipt and record the buyer's receipt of the video surveillance screenshot for use when needed.

Seller's bank synchronous payment system: Forms a secure network connection with the buyer's bank-synchronized payment system and the seller's computer system, including data storage devices and data processing devices.

The data storage device stores the seller account opening information and the transaction information book, and includes: an account opening information storage unit, an account information storage unit, an order information storage unit, a login information storage unit, a payment process information storage unit, a payment matrix storage unit, and a value-added service information storage unit. .

The data processing device processes the payment, including: a main processing unit, a client authentication processing unit, an accept order processing unit, a query unit, an order inquiry unit, a cryptographic processing unit, a secure communication unit, a savings account operation unit, a fund transfer unit, and a payment processing unit. , automatic refund unit, modification weight unit, buyer payment processing unit, seller collection unit, commission sharing unit, seller refund processing unit, buyer recovery fund unit, commission discount unit, high-risk group inquiry unit, seller application for automatic payment Unit, application litigation unit, mandatory processing unit, request manual service unit, system help unit, value added service unit (commercial reputation service subunit, mediation service subunit, advertisement service subunit, authentication service subunit, proof service information subunit) .

The customer authentication processing unit processes the seller user authentication and the login synchronous payment system; the payment processing unit receives and processes the to-be-received currency, calculates the to-be-received currency into the seller account, and encrypts and transmits the related transaction information such as the seller password, the weight password, and the status password. To the seller; the buyer payment processing unit, the seller collection unit interacts with the buyer's bank synchronous payment system, accepts the pending currency, and the fund transfer unit processes the seller's request for the cash to be withdrawn and the cash to be deposited into the seller's account; The payment processing unit processes the seller to return the to-be-received money to the buyer, and the buyer's recovery fund unit pays the to-be-collected currency to the buyer with the seller's password; the mandatory processing unit pays according to the court execution notice.

The seller bank synchronous payment system is a supercomputer server, a mainframe server, a medium computer server, a small computer server, a microcomputer server, a microcomputer workstation and a terminal, and a computer thereof is constituted by a network connection device such as a switch, a router, a modem, or the like. Computer LAN system.

The seller bank data storage device is configured to store account opening information, login information, customer account information, order information, payment process information, payment matrix, value-added service information, and the like. The customer's value-added service information includes: business reputation service information, mediation service information, advertising service information, certification service information, and evidence service information. Account opening information storage unit: Stores account opening documents, reserved stamps, signature handwriting, bound mobile phone number, bound email address and other information.

Account information storage unit: Storage account number, account name, counter password, online banking password, currency, balance, whether it is illegal high-risk groups, whether it is a high-risk group in criminal cases, whether it is a high-risk group for payment disputes, etc.

Order Information Storage Unit: Stores ongoing payment billing information, bundled trading contracts.

Login information storage unit: Stores the time, number of times of login, unsuccessful login, etc.

Say

Payment process information storage unit: Stores the transient process of a certain step of operation, the data generated from the start of a certain step, and the end of the process.

Book

Payment matrix storage unit: Buyer: savings account, synchronous payment system account, amount of pending currency, pending currency payment status variable, payment weight; seller: savings account, synchronous payment system account, amount of money to be received, payment to be received State variable, seller password, goods status password, weight password; buyer bank: bound transaction contract number, litigation state variable.

Pending currency: A type of virtual currency in which the buyer has decided to pay the seller the specified account currency and can no longer be used for other purposes to limit liquidity. The pending currency calculates the interest into the buyer's account, cannot be withdrawn, and cannot be mortgaged. In order for the buyer to check the existence of the pending currency at any time, it is displayed in the buyer's savings account, and it is convenient to write the pending currency into the buyer's savings account in the existing online banking system, and virtualize it as a foreign currency, and this foreign country Objectively it does not exist.

Pending payment status variable:

0 state: Protection status, funds have been specified to be paid to an account.

1 state: In the active payment state, the buyer has the right to modify, 5 states to 1 state, and the pending currency flows to the seller.

2 state: passive payment state, the seller through the seller bank, the buyer's bank with the buyer's password to modify, 0 state to 2 state, the pending currency flows to the seller's bank, and then to the seller's account.

4 state: has entered the lawsuit state.

Pending currency: A kind of virtual currency. In order for the seller to believe that the buyer has paid by the synchronous payment system, the amount recorded on the seller's savings account has no interest, cannot be withdrawn, and cannot be mortgaged. In order to facilitate the implementation of the pending online currency system in the existing online banking system to write into the seller's savings account. It is virtualized as an alternative foreign currency, and this foreign country does not exist objectively. Instruction manual

To-do payment status variable:

0 state: protection state

1 state: Active refund status, the seller has the right to modify, 0 state to 1 state, the funds flow to the buyer.

2 state: passive refund status, the buyer is modified by the seller's password, 0 state to 1 state, the funds flow to the buyer.

4 state: has entered the lawsuit state.

Buyer password: A set of encrypted authorization codes. The buyer controls the payment process. If the commodity transaction obtains its desired result, it will give control of the funds to the seller, that is, complete the payment.

Seller password: A set of encrypted authorization codes, the seller's means of controlling the payment process, the buyer cannot use the controlled funds for other purposes, unless the goods are returned as they are.

Weighted password: A set of encrypted authorization codes. In time-separated commodity transactions, the price actually paid varies for various reasons. The modified weight password reflects this change. For example, if the buyer receives the goods and the buyer agrees to use the goods, the seller agrees to lower the price, and the modified weight password takes a value less than or equal to 1. The seller receives the payment for the currency to be multiplied by the payment weight. Or due to the buyer's reasons, the return to the seller caused a certain loss, the buyer bears the loss to pay the seller a certain proportion of the price. Solve some of the payment problems.

Status password: A set of encrypted authorization codes, which modify the password of the pending delivery status. The system does not automatically refund the delivery system, simplifying the seller's non-delivery, no refund, and the amount of labor required for manual intervention.

Enforced password: A set of encrypted authorization codes. Commodity transactions are involved in judicial disputes and solve the problem of difficult enforcement of court decisions. The authorized password for the payment performed by the bank in accordance with the payment content determined by the court enforcement notice. The bank holds a mandatory password for the binding transaction contract number, and only authorized bank staff can use the mandatory password. The mandatory password can change the payment direction of the currency to be received and the currency to be paid, and can also modify the weight password and partially pay.

The value-added service information storage unit includes: a business reputation service information sub-storage unit: stores successful and failed historical transaction information. Mediation service information sub-storage unit: Stores the dispute information and suggestions processing methods and results of the buyer and seller. Advertising service information sub-storage unit: Stores and publishes seller product information. Certification service information sub-storage unit: Stores the verified seller's business license, product certificate, tax certificate, health permit, product inspection certificate, product quality assurance certificate, after-sales service commitment, etc., the authenticity and validity of the information the buyer cares about. . Proof of Service Information Sub-Storage Unit: A contract for storing payment-related orders for use when needed.

The seller bank data processing device:

Main processing unit: Used to call other functional units in the data processing device to realize the payment function of the synchronous payment system.

Accept the order processing unit: Receive the buyer bank's peer payment system payment request, create a payment order, generate a branch Pay matrix, after the order is completed, the order information will be archived after a certain delay period.

Customer Certification Processing Unit: The client is authenticated and the authentication result is returned to the main processing unit.

The query unit: reads the account information storage unit information, and reads the account opening information storage unit information.

Secure communication unit: When sending, the password is used to encrypt the content, establish a private network connection or a virtual private network connection with the communication partner to ensure the security of the communication. When receiving, the password processing unit is called to decrypt the content, and the result is returned to the main processing. unit. Book

Savings Account Operating Unit: Revenue or expense operations on a savings account.

Fund transfer unit: Performs the transfer and transfer of inter-bank funds, and the result is returned to the main processing unit. When the seller has both the currency to be paid, the currency to be received, the cash to be paid, and the currency to be received, the cash is withdrawn from the buyer's bank's peer-to-peer payment system. The fund transfer unit of the buyer's bank's peer-to-peer payment system will be combined with the currency to be paid. For cash, pay the seller.

The payment processing unit main processing unit invokes the secure communication unit to listen to the buyer's bank synchronous payment system secure communication unit call. After the verification is successful, the buyer's bank synchronous payment system secure communication unit is transferred to the seller's bank's synchronous payment system to transfer the money to be received and the seller's password. , status password, weight password, the main processing unit calls to accept the order processing unit, accepts the order processing unit to create an order. The main processing unit calls the savings account operation unit to display the to-be-received money in the seller's multi-currency savings account, and the main processing unit invokes the secure communication unit to encrypt and send the seller password and the status password and the weight password to the seller's mobile phone or mailbox, and the bank staff has no Right to view the seller password and shipping status password, weight password. After the processing is completed, the result is finally returned to the main processing unit, and the main processing unit calls the secure communication unit to return the processing result of the seller's synchronous payment system to the buyer's bank peer payment system, and the main processing unit writes all the operation results into the payment matrix. .

Automatic refund unit: The main processing unit calls the secure communication unit to receive the transaction to close the information, the main processing unit calls the secure communication unit to send the transaction to the seller mobile phone to close the information, wait for the reply, the timeout does not reply or reply to the consent, the main processing unit calls the savings The account operation unit clears the to-be-received currency, and the main processing unit invokes the secure communication unit to send the notified seller to the buyer's bank synchronous payment system, returns the to-be-received currency, and agrees that the order is closed.

Modifying the weight unit: After the seller logs in to the synchronous payment system, it requests the main processing unit to modify the weight and gives the new weight. The main processing unit calls the security communication unit to modify the weight password and new right sent to the buyer's bank synchronous payment system. Value and return part of the pending currency, request to modify the weight, wait for the return of the modified successful result, rewrite the weight in the payment matrix to the new weight, and the main processing unit invokes the secure communication unit to send the modified weight to the seller successfully. Buyer payment processing unit: The main processing unit calls the secure communication unit, and the fund transfer unit receives the pending payment. The seller's bank synchronous payment system uses the pending currency and the pending currency to settle with the buyer's bank synchronous payment system, and the fund transfer unit receives the cash. The savings account operation unit is called, and is included in the seller's savings account. The main processing unit writes all the operation results into the payment matrix, and the payment process ends.

Seller's collection unit: After the seller obtains the buyer's password, it logs into the seller's bank's peer payment system. The main processing unit calls the secure communication unit, receives the buyer's password, calls the secure communication unit to communicate with the buyer's bank's synchronous payment system, and sends the buyer's password. Waiting for the buyer's bank to return the result, the fund transfer unit receives the pending currency, and the seller's bank synchronous payment system uses the pending currency and the pending currency to settle with the buyer's bank synchronous payment system, and the fund transfer unit receives the funds, and calls the savings account operation unit. , is included in the seller's savings account, the main processing unit writes all the operation results into the payment matrix, and the payment process ends. Book

Commission sharing unit: The buyer's bank and the seller's bank share the commission deducted from the actual successful payment order in a certain proportion.

Seller refund processing unit: The main processing unit calls the secure communication unit, calls the savings account operation unit to clear the to-be-received currency, and simultaneously sends the to-be-received money to the buyer's bank peer-to-peer payment system, and simultaneously rewrites the payment matrix, and the payment process ends.

The buyer recycles the capital unit: The main processing unit invokes the secure communication unit to receive the seller password, and compares with the seller password in the payment matrix. After the verification is successful, the main processing unit calls the savings account operation unit to clear the to-be-received currency, and the main processing unit invokes the secure communication unit. The money to be received is paid to the buyer's bank synchronous payment system, and the payment matrix is rewritten. The payment process ends.

The seller applies for the automatic payment unit: The main processing unit calls the secure communication unit to send the dunning notice to the buyer through the buyer's bank synchronous payment system, the buyer does not reply, and the main processing unit calls the secure communication unit to submit the buyer's automatic payment request to the buyer's bank synchronous payment system. After the request is successful, the main processing unit calls the buyer payment processing unit to receive funds, and the payment process ends.

Applying for litigation unit: The seller fails to negotiate with the buyer, decides to enter the litigation, rewrites the litigation status variable of the payment matrix, closes the automatic payment function, and locks the payment order. Only the processing unit can be forced to unlock the payment deadlock.

Mandatory processing unit: The main processing unit calls the secure communication unit to receive the court execution notice, and the main processing unit checks Enforce the password, after successful, call the modified weight unit to modify the weight, call the fund transfer unit to transfer the funds, clear the pending currency, record the transaction into the business reputation service sub-unit, and end the transaction.

Request a human service unit: Send a message to a customer service or form a real-time conversation.

System help unit: Get system usage instructions and collect user feedback on system improvements.

Value-added service units include: Business Reputation Service Sub-Unit: Record successful, failed historical transaction information. Provide clues for later buyers to choose goods. Mediation Service Sub-Unit: Dispute information and suggested handling methods and results for both buyers and sellers. Advertising Service Subunit: Publish the seller's product information. Certification Service Sub-Unit: Record the seller's business license, product certificate, tax certificate, health permit, product inspection certificate, product quality assurance certificate, after-sales statement

Service pledge, etc., the authenticity and validity of the information the buyer cares about. Proof of service information subunit: record payment related

2 Ming

The contract for the order, record the buyer's receipt, record the video capture of the buyer's receipt, for use when needed.

Book

Secure communication network: A secure communication connection is formed between the buyer's bank synchronous payment system and the seller's bank synchronous payment system, and between the seller's computer system and the seller's bank's peer payment system. Or a network between the buyer computer terminal and the buyer bank synchronous payment system, between the seller computer system and the seller bank synchronous payment system, the buyer bank synchronous payment system and the seller bank peer payment system, at least on the public network. A virtual private network (VPN) is a secure communication connection.

The computer virtual private network refers to a technology that mainly uses tunnel technology, encryption and decryption technology, key management technology, and user and device identity authentication technology to establish a dedicated network on a public network.

The public network, through public telephone network (PSTN), global mobile communication network (GSM), general packet radio service network (GPRS), code division multiple access network (CDMA), wideband code division multiple access network (WCDMA), 3G A public network formed by a network, a 4G network, or a network for accessing the Internet for a Next Generation Network (NGN) or a local area network.

In order to achieve the above other object, the present invention provides a method for a synchronous payment system, the method comprising: A: virtual, compound currency, accepting an order processing unit to virtualize cash as a to-be-received currency, a to-be-paid currency; The coins to be received and the coins to be paid are combined into cash.

B: payment of the to-be-paid currency, the buyer payment processing unit credits the pending payment to the buyer's account, and encrypts and sends the buyer's password to the buyer; the buyer's payment processing unit pays the to-be-paid currency to the seller through the seller's bank synchronous payment system, and encrypts and sends the seller's password, The weight password and the status password are given to the seller; the buyer occupies the currency to be paid, and the seller occupies the money to be received, realizing the control of the payment process by the buyer and the seller.

C: payment of the pending currency, buyer's receipt, seller's receipt, seller's collection unit processing the seller's request to withdraw the pending currency by the seller's bank synchronous payment system, or the buyer's payment processing unit processing the buyer's payment of the pending currency to the seller The request; the seller's bank synchronous payment system fund transfer unit responds to the seller's request to deposit the cash with the pending currency and the composite cash to be deposited into the seller's account. D: Return the money to be received, the seller receives the return, the buyer refunds, and the buyer's recovery fund unit receives the buyer's request to withdraw the money to be received by the seller's password, returns the money to be received from the seller's bank synchronous payment system, or the seller's refund processing unit receives The money to be returned by the seller; the fund transfer unit responds to the buyer's request to deposit the cash with the pending currency and the composite cash to be deposited into the buyer's account.

Beneficial effects:

1. With the invention, the payment is safe and the transaction partner is not worried. Synchronous payment system ensures fair trade between the two parties, without worrying about the rogue of the counterparty and reducing the disputes over commodity transactions. Can partially replace the existing letter of credit, say

Settlement methods such as bank guarantee letters, remittances, collections, fund supervision and third-party payments, especially the ability to overcome the combination of third-party payments and specific business platforms to protect payments.

Book

2. Using the present invention, low cost. The buyer and the seller can complete the payment by self-service through the computer synchronous payment system. The payment process requires bank personnel to participate in the processing only in the case of irreconcilable disputes, and low cost.

3. By using the invention, network fraud and telecom fraud can be prevented to a certain extent.

4. Using the invention to maintain growth. Safe payment methods promote the development of international and domestic commercial trade, especially the growth of SMEs. Expand the service areas of banks, enhance the international status of China's banking companies, and increase the bank's business income.

5. Banks that prioritize the use of this technology will monopolize the business during the protection period, increase the number of accounts opened for savings and settlement accounts, and increase the economic benefits of the Bank.

DRAWINGS

1 is a schematic diagram of a two-party transaction synchronous payment structure provided by the present invention;

2 is a structural diagram of a synchronous payment system provided by the present invention;

3 is a schematic diagram of a buyer's bank synchronous payment system provided by the present invention;

4 is a schematic diagram of a seller bank synchronous payment system provided by the present invention;

Figure 5 is a payment matrix diagram provided by the present invention;

6 is a flowchart of a method for implementing synchronous payment according to an embodiment of the present invention;

FIG. 7 is a schematic diagram of a multi-party transaction synchronous payment structure provided by the present invention.

detailed description

In order to make the technical solutions of the present invention better understood by those skilled in the art, the present invention will be further described in detail below with reference to the accompanying drawings and specific embodiments. It should be noted that, in the case of no conflict, the embodiments of the present application The features in the embodiments can be combined with each other.

The core idea of the invention is: Synchronous payment is to realize the control of the payment process by the buyer and the seller through the monetary virtual and compound technology, the payment and the delivery of the goods, the payment process begins before the delivery of the goods, and ends the delivery of the goods. Description

A successful payment method. The buyer uses the synchronous payment system virtual currency, the cash is converted into the to-be-paid currency, the to-be-received currency, the first payment is to be received, the seller delivers the goods, the buyer pays the pending payment, and the seller then pays the pending currency through the synchronous payment system. The coin to be received is compounded into cash; when the seller receives the return, the seller returns the currency to be received, and the buyer combines the pending currency and the pending currency into cash through the peer payment system.

As shown in the schematic diagram of a two-party transaction synchronous payment structure, the synchronous payment system of the present invention includes a buyer (buyer computer terminal), a public network 9, a virtual private network 3, a buyer's bank synchronous payment system 4, and a seller (seller). Computer system) 2. Private network 5, private network or virtual private network 7, seller bank synchronous payment system 6, logistics 8. The buyer 1 operates the buyer's bank synchronous payment system 4 to generate the pending currency, the buyer password, the to-be-received currency, the seller password, the weight password, the status password, and the mandatory password. Buyer 1 receives the pending currency and buyer password. The buyer's bank synchronous payment system 4 is sent to the seller through the seller's bank synchronous payment system 6 to be encrypted 2 to be received, the seller's password, the weight password, and the state password. After the buyer 1 receives the qualified goods, the buyer 1 delivers the buyer's password to the seller 2, and the seller 2 collects the money through the seller's bank's peer payment system with the buyer's password. Conversely, after the seller 2 receives the return, the seller 2 hands the seller's password to the buyer 1, and the buyer 1 refunds the payment through the synchronous payment system of the buyer's bank synchronous payment system 4 with the seller's password. The composition and function of each part are described in detail below.

Buyer computer terminal 1: for buyer 1 to communicate with seller 2, select goods through public network 9, form a contract or order for commodity transaction, form a secure network connection with buyer bank synchronous payment system 4, and buyer 1 logs in to buyer bank synchronous payment system 4 The synchronous payment system completes the payment or refund.

The buyer computer terminal 1 is a microcomputer, a notebook computer, an embedded computer, a tablet computer, a smart phone, an ATM (automatic teller machine), a POS machine.

Seller Computer System 2: The seller 2 displays its own sales goods and services through the public network 9, interacts with the buyer computer terminal 1, negotiates a transaction contract, and makes an order, and forms a secure network connection with the seller's bank synchronous payment system 6, and logs in to the seller's bank. The peer payment system 6 completes the payment or refund.

The seller computer system 2 is a computer LAN system composed of a microcomputer, a microcomputer server, a notebook computer, an embedded computer, a tablet computer, a smart phone, an ATM (automatic teller machine), and a plurality of computers connected to each other through a network.

The buyer's bank synchronous payment system 4: as shown in the schematic diagram of the synchronous payment system of FIG. 2 and the schematic diagram of the buyer's bank synchronous payment system 4, including the synchronous payment subsystem and the value-added service subsystem, forms a secure network connection with the buyer computer terminal 1, and stores The buyer 1 account opening information accepts the buyer 1 user secure login synchronous payment system, and the buyer bank synchronous payment system 4 accepts the buyer 1 payment order and the bound transaction contract or order, and interacts with the seller bank synchronous payment system 6 through the secure network connection, Complete the simultaneous payment of funds.

The buyer bank peer payment system 4 is a supercomputer server, a mainframe server, a medium meter A computer LAN system consisting of a computer server, a small computer server, a microcomputer server, a microcomputer workstation, and a terminal, wherein the plurality of computers are connected to each other through a network such as a switch, a router, or a modem.

The seller's bank peer-to-peer payment system 6: as shown in the figure of Figure 2, the same as the payment system structure diagram and Figure 4, the seller's bank's peer-to-peer payment system 6 includes the peer payment subsystem, the value-added service subsystem, and the seller's computer system 2 The network connection stores the seller 2 account opening information, accepts the seller 2 user secure login synchronous payment system, and the synchronous payment system accepts the buyer 1 to pay the funds, interacts with the buyer bank synchronous payment system 4, and completes the fund synchronous payment.

The buyer 1 computer system is a giant computer server, a main computer server, a medium computer server, a small computer server, a microcomputer server, a microcomputer workstation, and a terminal, wherein the computer is connected through a network such as a switch, a router, a modem, or the like. A computer LAN system consisting of equipment.

Secure communication network 3, 5, 7:

The buyer computer terminal 1 and the seller computer system 2 form a communication connection using the public network 9; the buyer computer terminal 1 and the buyer bank synchronous payment system 4 use the virtual private network 3 to form a secure communication connection; the buyer bank peer payment system 4 and The seller bank's peer-to-peer payment system 6 uses a private network 5 to form a secure communication connection; the seller computer system 2 and the seller's bank synchronous payment system 6 use a private network or a virtual private network 7 to form a secure communication connection.

The Virtual Private Network (VPN) refers to a technology that uses tunnel technology, encryption and decryption technology, key management technology, and user and device identity authentication technologies to establish a dedicated network on a public network.

The public network, through a public telephone network (PSTN), a mobile communication network, is a global mobile communication network

(GSM), General Packet Radio Service Network (GPRS), Code Division Multiple Access Network (CDMA), Wideband Code Division Multiple Access Network (WCDMA), 3G network, 4G network or common for Next Generation Network (NGN) or LAN access A shared network system formed by the network.

Specifically, as shown in the schematic diagram of the buyer's bank synchronous payment system 4, the buyer's bank synchronous payment system 4 includes: a data storage device 101 and a data processing device 102.

The buyer bank data storage device 101 is configured to store account opening information, account information, order information, login information, payment process information, payment matrix, value-added service information, and the like of the customer. The customer's value-added service information is subdivided into: business reputation information, mediation service information, and evidence service information.

Account information storage unit: store savings account number, account name, counter password, online banking password, currency, Information such as balance.

Payment process information storage unit: The transient process of a certain operation, the data generated from the beginning of a certain operation, and the end of the operation.

Payment matrix storage unit: buyer 1: savings account, synchronous payment system account, amount of pending currency, pending currency payment status variable, buyer password, payment weight value; seller 2: savings account, synchronous payment system account, pending currency

Amount, pending currency payment status variable, seller password, shipping status password, weight password; Buyer Bank: Binding transaction contract number, mandatory password, litigation status variable.

Pending currency: A virtual currency, the buyer 1 has decided to pay the seller 2 the currency of the designated account, which can no longer be used for other purposes, limiting liquidity. The pending currency calculates the interest into the buyer's account, cannot be withdrawn, and cannot be mortgaged. In order for the buyer 1 to check the existence of the pending currency at any time, it is displayed in the buyer 1 savings account, and it is convenient to write the pending currency into the buyer 1 savings account in the existing online banking system, and virtualize it as a foreign currency. And this foreign country does not exist objectively.

To be charged: a virtual currency, for the seller 2 to make sure that the buyer 1 has paid with the synchronous payment system, at the seller

2 The amount recorded on the savings account, the interest to be received has no interest, cannot be withdrawn, and cannot be mortgaged. To facilitate the writing of the pending currency into the seller 2 savings account on the existing online banking system. It is virtualized as an additional foreign currency, and this foreign country does not exist objectively.

Pending payment status variable:

0 state: Protection status, funds have been specified to be paid to an account.

1 state: Active payment mode, buyer 1 has the right to modify, 5 or 6 state to 1 state, and the pending currency flows to the seller 2 . 2 state: passive payment state, seller 2 through the seller's bank peer payment system 6 modified by the buyer's password, 5 or 6 state to 2 state, the pending currency flows to the seller's bank, and the virtual currency is combined into cash and then flowed to the seller 2 account.

3 state: Enforcement state, the buyer's bank enforces the password modification, 4 state to 3 state, and the flow of funds flows according to the flow of the court execution notice or the police settlement notice.

4 states: has entered the litigation state, 5 or 6 entered the 4 state.

5 state: Delivery status, seller 2 is modified by the delivery status password.

6 state: The weight state, the seller 2 uses the weight password to modify the weight.

To-do payment status variable:

0 state: protection state

1 state: Active refund status, seller 2 has the right to modify, 0 state to 1 state, the currency to be flowed to buyer 1. 2 state: Passive refund status, buyer 1 is modified by the seller's password, 0 state to 1 state, and the currency to be received flows to buyer 1.

4 state: has entered the litigation state, the next step into the 3 state.

Buyer password: A set of encrypted authorization codes. The buyer 1 controls the payment process. If the commodity transaction obtains its desired result, the control of the pending currency is given to the seller 2, that is, the payment is completed.

Seller password: A set of encrypted authorization codes, the seller 2 controls the payment process, controls the flow of the money to be returned to the buyer 1, and the buyer 1 cannot use the controlled funds for other purposes, unless the goods are returned as they are.

Weighted password: A set of encrypted authorization codes. In time-separated commodity transactions, the price actually paid varies for various reasons. The modified weight password reflects this change. For example, if the buyer 1 receives the goods, and the buyer 1 agrees to use the goods, the seller 2 agrees to lower the price, and the weight code is modified to take a value less than or equal to 1. The seller 2 receives the payment for the currency to be received. value. Or completely due to the buyer 1 , the return to the seller 2 caused a certain loss, the buyer 1 bears the loss to the seller 2 - the fixed price. Solve some of the payment problems.

Status password: A set of encrypted authorization codes, which modify the password of the pending delivery status. The system does not automatically refund the delivery system, simplifying the seller 2 does not ship, no refund, and requires manual intervention.

The value-added service information storage unit includes: a business reputation service information sub-storage unit: stores successful and failed historical transaction information. Buyer 1 experience in using goods or services. Mediation service information sub-storage unit: The buyer and seller's dispute information and suggestions processing methods and results. Proof Service Information Sub-Storage Unit: A contract for storing payment-related orders for use when needed.

The buyer bank data processing apparatus 102 includes: a main processing unit, a customer authentication processing unit, a savings account operation unit, an acceptance order processing unit, an order filing processing unit, an order inquiry unit, a password processing unit, a secure communication unit, a fund transfer unit, Reset password unit, buyer payment processing unit, automatic refund unit, delivery status modification unit, modification weight unit, bank charge commission unit, seller collection unit, buyer payment processing unit, seller refund processing unit, buyer recovery fund Unit, buyer passive automatic payment unit, application litigation unit, mandatory processing unit, request manual service unit, system help unit, value-added service unit.

Main processing unit: Used to call other functional units in the data processing device to realize the payment function of the synchronous payment system. Instruction manual

Fund transfer unit: Execute the inter-bank virtual currency or cash transfer and transfer operation, detecting that the buyer 1 has both the pending currency and the pending currency, and automatically combines the virtual pending currency and the pending currency into cash. The savings account operating unit deposits cash in the buyer's account. It is detected that the seller 2 has both the to-be-paid currency and the to-be-received currency, and receives the request that the seller combines the virtual to-be-paid currency and the to-be-received currency into cash, and transfers the cash to the seller's bank synchronous payment system seller account, and the result is returned to the main processing. unit.

Reset password unit: Some party participating in the transaction loses the password, and the buyer 1 logs in to the system to re-distribute the buyer password, the seller password, the weight password, the status password, and the mandatory password.

Buyer payment processing unit: The main processing unit calls the savings account operation unit, and pays the payment amount in the buyer's 1 multi-currency savings account balance. The main processing unit calls the acceptance order processing unit to generate a payment order, and calls the return virtual currency: the pending currency, to be Token, password: buyer password, seller password, weight password, status password, mandatory password. The main processing unit calls the savings account operation unit, and deposits the amount of the pending currency in the multi-currency buyer 1 savings account of the buyer 1, the main processing unit calls the encryption unit to encrypt, and then the secure communication processing unit binds the buyer password through the bound mobile phone or The mailbox is sent to the buyer 1 and the bank staff is not authorized to view the buyer password. The main processing unit calls the communication processing unit to send the to-be-collected currency, the seller password, the weight password, and the status password to the seller's bank synchronous payment system 6. The result is returned by the synchronous payment system of the seller's bank, and the result is finally returned to the main processing unit. The buyer payment processing unit writes all operational results to the payment matrix.

Automatic refund unit: After the buyer 1 payment processing unit operation is completed, the timer is started, the threshold is reached, and the detection branch is detected. Description

In the delivery status in the payment matrix, the seller 2 is not shipped, the main processing unit invokes the secure communication unit to send a prompt to close the transaction to the seller bank synchronous payment system 6, and when the seller bank synchronous payment system 6 replies that the seller 2 has been notified, the seller bank The peer payment system 6 returns the to-be-received money to the seller's bank synchronous payment system 6, and the main processing unit calls the savings account operation unit to clear the to-be-paid currency, and invokes the fund transfer unit to combine the virtual to-be-paid currency and the to-be-received currency into cash. The deposit is deposited in the buyer's 1 account and an automatic refund is completed.

Modifying the weight unit: The main processing unit invokes the secure communication unit to receive the modified weight password, the new weight, and the returned portion of the pending currency sent by the seller's bank synchronous payment system 6. After the verification is successful, the weight in the payment matrix is rewritten, and the call is made. The fund transfer unit combines some of the returned virtual currency to be received and the corresponding pending currency into cash, and calls the savings account operation unit to deposit cash in the buyer's account. The main processing unit invokes the security communication unit to successfully transmit the modification weight to the seller's bank synchronous payment system 6. The main processing unit invokes the secure communication unit to send the modified weight information to the buyer 1 handset.

Seller receiving unit: The main processing unit calls the secure communication unit to receive the buyer password. After the verification is successful, the calling fund transfer unit pays the pending payment to the seller's bank synchronous payment system 6, and the seller's bank synchronous payment system 6 uses the pending currency and the pending payment. The receiving currency is settled with the buyer's bank synchronous payment system 4, and the main processing unit calls the savings account operation unit to clear the pending currency, and combines the to-be-received currency and the corresponding pending currency into cash, and the main processing unit calls the bank to receive the commission unit according to the amount payable. After deducting the commission, the buyer's bank synchronous payment system 4 main processing unit calls the fund transfer unit to transfer the cash into the seller's bank synchronous payment system 6 seller 2 account, and the main processing unit calls the secure communication unit to wait for the seller's bank to reply, and receives the payment success message. The main processing unit rewrites the payment matrix and the payment process ends.

Buyer payment processing unit: After the buyer 1 successfully logs in, the payment of the pending payment instruction is issued, and the main processing unit calls the fund transfer unit to pay the pending payment to the seller's bank payment system 6, and the seller's bank synchronous payment system 6 uses the pending payment And the to-be-received currency is settled with the buyer's bank synchronous payment system 4, and the main processing unit calls the savings account operation unit to clear the to-be-paid currency, and combines the to-be-received currency and the corresponding to-be-paid currency into cash, and the main processing unit calls the bank to receive the commission unit. The amount payable deducts commission, the buyer's bank synchronous payment system 4 main processing unit calls the fund transfer unit to remit funds into the seller's bank synchronous payment system 6 seller 2 account, the main processing unit calls the secure communication unit to wait for the seller's bank to reply, and the payment is successfully received. The message, the main processing unit rewrites the payment matrix, and the payment process ends.

Seller refund processing unit: The main processing unit calls the secure communication unit to receive the to-be-received currency, and the main processing unit invokes the savings account operation unit to clear the to-be-paid currency in the savings account, and simultaneously combines the to-be-received currency and the corresponding to-be-paid currency into cash. The same amount of funds is deposited in the buyer 1 savings account. Instruction manual

The buyer recycles the capital unit: the main processing unit invokes the secure communication unit to send the seller password, waits for the seller 2 to synchronize the payment system processing result, the main processing unit calls the secure communication unit to receive the to-be-received currency, and calls the savings account operation unit to clear the pending payment in the savings account. The to-be-received currency and the corresponding to-be-paid currency are combined into cash, and the same amount of funds is deposited in the buyer 1 savings account.

Buyer passive automatic payment unit: For orders whose amount is greater than the limited value, the seller 2 sends a dunning notice to the buyer 1 through the peer payment system, the buyer 1 does not make any reply and payment, cannot automatically pay, and solves the payment deadlock through judicial channels. . Passive automatic payment by the buyer's bank synchronous payment system: After the buyer's bank synchronous payment system receives the seller's 2 application for automatic payment, the main processing unit calls the inquiry unit to query the business credit level of both parties to determine whether the automatic payment request is satisfied, and determine whether the order amount is less than the limit. The value is judged that the seller 2 provides the buyer 1 with the signed logistics document, and the buyer 1 reserves the signature handwriting comparison, the handwriting verification is successful, and the payment has been delayed. All of the above conditions are established and the system automatically pays. Alternatively, when paying an order under buyer 1, ask if you agree to use this feature.

Application for litigation unit: The seller 2 and the buyer 1 failed to negotiate. One of them decided to enter the lawsuit, rewrite the litigation state variable of the payment matrix, close the automatic payment function, and the payment order was locked. Only the processing unit could be forced to unlock the payment deadlock.

Value-added service units include: Business Reputation Service Sub-Unit: Record successful, failed historical transaction information. Provide clues for subsequent sellers 2 to exclude malicious buyers 1. Buyer 1 experience in using goods or services. Mediation Service Sub-Unit: The main processing unit invokes the request human service unit to receive user requests and statements, and returns the bank customer service recommendation processing method and results to the main processing unit. The handling methods and results of disputes between buyers and sellers and bank customer service recommendations are recorded in the customer's goodwill sub-unit. Evidence Service Information Sub-Unit: Record the contract for payment-related orders, record the buyer's receipt, and record the video capture of the buyer's receipt for use when needed.

Seller Bank Synchronous Payment System 6: Synchronized Payment System with Buyer Bank 4. The Seller 2 computer system forms a secure network connection, including data storage device 103 and data processing device 104.

The data storage device 103 stores the seller 2 account opening information and the transaction information, and includes: an account opening information storage unit, an account information storage unit, an order information storage unit, a login information storage unit, a payment process information storage unit, a payment matrix storage unit, and a value-added service information storage. unit.

The data processing device 104 processes the payment, including: a main processing unit, a client authentication processing unit, an accept order processing unit, a query unit, an order inquiry unit, a cryptographic processing unit, a secure communication unit, a savings account operation unit, Instruction manual

Fund transfer unit, payment processing unit, automatic refund unit, modification weight unit, buyer 1 payment processing unit, seller 2 collection unit, commission sharing unit, seller 2 refund processing unit, buyer 1 recovery fund unit, commission discount Unit, high-risk group inquiry unit, seller 2 application automatic payment unit, receiving buyer 1 active automatic payment unit, application litigation unit, mandatory processing unit, request manual service unit, system help unit, value-added service unit (commercial reputation service sub-unit, mediation Service subunit, advertisement service subunit, authentication service subunit, proof service information subunit).

The customer authentication processing unit processes the seller 2 user authentication and the login synchronous payment system; the payment processing unit receives the processing of the to-be-received currency, calculates the to-be-received currency into the seller 2 account, and encrypts and transmits the seller password, the weight-value password, and the status password to the seller 2 And other related transaction information; the buyer 1 payment processing unit, the seller 2 collection unit interacts with the buyer bank synchronous payment system 4, accepts the pending currency, and the agent seller 2 uses the pending currency and the pending receipt to withdraw cash and deposit it into the seller 2 account; 2 The refund processing unit processes the seller 2 to return the to-be-received money to the buyer 1, and the buyer 1 recycles the capital unit to pay the to-be-collected currency to the buyer 1 with the seller's password.

The seller bank peer payment system 6 is a supercomputer server, a mainframe server, a medium computer server, a small computer server, a microcomputer server, a microcomputer workstation, and a terminal, and a computer thereof is connected to a network through a switch, a router, a modem, or the like. The computer LAN system that constitutes.

The seller bank data storage device 103: is used for storing account opening information, login information, customer account information, order information, payment process information, payment matrix, value-added service information, and the like. The customer's value-added service information includes: business reputation service information, mediation service information, advertising service information, certification service information, and proof service information.

Account opening information storage unit: Stores account opening documents, reserved stamps, signature handwriting, bound mobile phone number, bound e-mail and other information.

Payment process information storage unit: Stores the transient process of a certain step operation, the data generated at the beginning of a certain step operation, and ends at the end, and cleared after the operation ends.

Payment matrix storage unit: buyer 1: savings account, synchronous payment system account, amount of pending currency, pending currency payment status variable, payment weight; seller 2: savings account, synchronous payment system account, amount of money to be received, pending Currency payment status variable, seller password, goods status password, weight password; Buyer Bank: Bind transaction contract number. Pending currency: A kind of virtual currency, the buyer 1 has decided to pay the seller 2 the currency of the specified account, can no longer be used for other purposes, to limit liquidity. The pending currency calculates the interest into the buyer's account, cannot be withdrawn, and cannot be mortgaged. In order for the buyer 1 to check the existence of the pending currency at any time, it is displayed in the buyer 1 savings account, and it is convenient to write the pending currency into the buyer 1 savings account in the existing online banking system, and virtualize it as a foreign currency, and This foreign country does not exist objectively.

To be charged: A kind of virtual currency. For the seller 2 to make sure that the buyer 1 has paid by the synchronous payment system, the amount recorded on the seller 2 savings account has no interest, cannot be withdrawn, and cannot be mortgaged. In order to facilitate the implementation of the pending online currency system in the existing online banking system, the seller 2 deposit account said. It is virtualized as an alternative foreign currency, and this foreign country does not exist objectively.

Pending payment status variable: book

0 state: Protection status, funds have been specified to be paid to an account.

1 state: Active payment mode, buyer 1 has the right to modify, 5 states to 1 state, and the pending currency flows to the seller 2 .

2 state: passive payment state, the seller 1 through the seller bank, the buyer's bank with the buyer's password to modify, 0 state to 2 state, the pending currency flows to the seller's bank, and then to the seller 2 account.

4 state: has entered the lawsuit state.

5 state: Delivery status, seller 2 is modified by the delivery status password.

To-do payment status variable:

0 state: protection state

1 state: Active refund status, seller 2 has the right to modify, 0 state to 1 state, the funds flow to the buyer 1 .

2 state: Passive refund status, buyer 1 is modified by the seller's password, 0 state to 1 state, the funds flow to the buyer 1 .

4 state: has entered the lawsuit state.

Buyer password: A set of encrypted authorization codes. The buyer 1 controls the payment process. If the commodity transaction obtains its desired result, it will give control of the funds to the seller 2, that is, complete the payment.

Seller password: A set of encrypted authorization codes, the seller 2 controls the payment process, and the buyer 1 cannot use the controlled funds for other purposes unless the goods are returned as they are.

Weighted password: A set of encrypted authorization codes, time-separated commodity transactions, the actual price paid for various reasons Description

The money will change, and the modified weight password reflects this change. For example, if buyer 1 receives the goods and buyer 1 agrees to use the goods, seller 2 agrees to lower the price, and the modified weight password takes a value less than or equal to 1. The seller 2 receives the payment for the currency to be received multiplied by the payment weight. Or due to the buyer 1 reason, the return to the seller 2 caused a certain loss, the buyer 1 bears the loss to the seller 2 - the fixed price. Solve some of the payment problems.

The value-added service information storage unit includes: a business reputation service information sub-storage unit: stores successful and failed historical transaction information. Mediation service information sub-storage unit: Stores the dispute information and suggestions processing methods and results of the buyer and seller. Advertising service information sub-storage unit: Stores the release seller 2 product information. Certification service information sub-storage unit: Stores the verified seller's business license, product certificate, tax certificate, health permit, product inspection certificate, product quality assurance certificate, after-sales service commitment, etc., the authenticity and validity of the information of concern to buyer 1. Sex. Proof of service information Sub-storage unit: A contract for storing payment-related orders for use when needed. Value-added service extended storage unit: Used when value-added service extensions.

The seller bank data processing device 104 includes: a main processing unit, a client authentication processing unit, an accept order processing unit, a query unit, an order inquiry unit, a password processing unit, a secure communication unit, a savings account operation unit, and a fund transfer Unit, payment processing unit, automatic refund unit, modification weight unit, buyer payment processing unit, seller collection unit, commission sharing unit, seller refund processing unit, buyer recovery fund unit, commission discount unit, high risk group inquiry unit , the seller applies for the automatic payment unit, receives the buyer's active automatic payment unit, applies for the litigation unit, the mandatory processing unit, requests the manual service unit, the system help unit, the value-added service unit (the commercial reputation service sub-unit, the mediation service sub-unit, the advertising service sub-unit , authentication service subunit, proof service information subunit).

Accepting the order processing unit: Receiving the buyer's bank synchronous payment system payment request, creating a payment order, generating a payment matrix, and after the order is completed, the order information is archived after a certain delay period.

The query unit: reads the account information storage unit information, and reads the account opening information storage unit information. Order inquiry unit: It is used to query the customer's current order information, and query the historical order information in the file. Return the query results to the main processing unit.

Say

Fund transfer unit: Performs the transfer and transfer of inter-bank funds, and the result is returned to the main processing unit. When selling books

Party 2 has both the pending currency and the pending currency, and uses the pending currency and the pending currency to withdraw cash from the buyer's bank synchronous payment system 4. The buyer's bank synchronous payment system 4 combines the pending currency and the pending currency into cash, and pays Seller 2.

The payment processing unit main processing unit invokes the secure communication unit to listen to the buyer's bank synchronous payment system 4 secure communication unit call. After the verification is successful, the buyer's bank synchronous payment system 4 accepts the security communication unit to the seller's bank's peer payment system and transfers the money to be received. With the seller password, status password, weight password, the main processing unit calls the accept order processing unit to create the order. The main processing unit calls the savings account operation unit to display the to-be-received money in the seller's 2 multi-currency savings account, and the main processing unit invokes the secure communication unit to send the seller password and the status password and the weight password to the seller 2 mobile phone or the mailbox, and the bank works. Personnel are not authorized to view the seller password and shipping status password, weight password. After the processing is completed, the result is finally returned to the main processing unit, and the main processing unit calls the secure communication unit to return the processing result of the synchronous payment system of the seller bank to the buyer's bank synchronous payment system 4, and the main processing unit writes all the operation results into the payment matrix. .

Automatic refund unit: The main processing unit calls the secure communication unit to receive the transaction closing information, and the main processing unit calls the secure communication unit to send the transaction to the seller 2 mobile phone to close the information, wait for the reply, and the reply is not answered or the reply is over, the main processing unit calls The savings account operation unit clears the to-be-received currency, and the main processing unit invokes the secure communication unit to send the notified seller 2 to the buyer's bank synchronous payment system 4, returns the to-be-received currency, and agrees that the order is closed.

Modifying the weight unit: After the seller 2 logs in to the synchronous payment system, requests the main processing unit to modify the weight, and gives a new weight, and the main processing unit invokes the modified weight code sent by the secure communication unit to the buyer's bank synchronous payment system 4, The new weight and the refunded part of the pending currency, requesting to modify the weight, waiting to return the modified successful result, rewriting the weight in the payment matrix as the new weight, and the main processing unit invoking the secure communication unit to send the modified weight to the seller 2 successfully.

Buyer payment processing unit: The main processing unit invokes the secure communication unit, the fund transfer unit receives the pending payment, and the seller's bank synchronous payment system 6 settles with the buyer's bank synchronous payment system 4 with the pending currency and the pending receipt, and the fund transfer unit receives Cash, call the savings account operation unit, counted into the seller 2 savings account, the main processing unit will all the operations Description

If the payment matrix is written, the payment process ends.

Seller's collection unit: After the seller 2 obtains the buyer's password, it logs into the seller's bank synchronous payment system 6. The main processing unit calls the secure communication unit, receives the buyer's password, calls the secure communication unit and the buyer's bank to communicate with the system's secure communication unit, and sends the buyer. The password, waiting for the buyer's bank to return the result, the fund transfer unit receives the pending currency, the seller's bank's peer payment system 6 uses the pending currency and the pending currency to settle with the buyer's bank's peer payment system 4, and the fund transfer unit receives the funds, calling The savings account operation unit is included in the seller 2 savings account, and the main processing unit writes all the operation results into the payment matrix, and the payment process ends.

Seller refund processing unit: The main processing unit calls the secure communication unit, calls the savings account operation unit to clear the to-be-received currency, and simultaneously sends the to-be-received money to the buyer's bank synchronous payment system, and simultaneously rewrites the payment matrix, and the payment process ends.

Commission discount unit: In the scope permitted by laws and regulations, a higher commission rate is set, and a premium commission is provided for quality users who consume less system resources.

High-risk group inquiry unit: Inquire about the public security system network, judge whether the customer is a high-risk group in high-risk groups and criminal cases, and store the result in the account information storage unit. The high-risk groups in high-risk groups and criminal cases are classified as high-risk groups for payment disputes. The business credit rating indicates whether the buyer and the seller are high-risk groups and their grading of payment disputes. High-risk group transactions are not suitable for automatic payment and automatic refund.

The seller applies for the automatic payment unit: The main processing unit invokes the secure communication unit to send a dunning notice to the buyer 1 through the buyer's bank peer payment system, the buyer 1 does not make any reply, and the main processing unit invokes the secure communication unit to present the buyer to the buyer's bank synchronous payment system. Automatic payment request, after the request is successful, the main processing unit calls the buyer's payment processing unit to receive funds, and the payment process ends.

Application for litigation unit: The seller 2 failed to negotiate with the buyer 1 and decided to enter the litigation, rewrite the litigation status variable of the payment matrix, close the automatic payment function, and lock the payment order. Only the processing unit can be forced to unlock the payment deadlock.

Mandatory processing unit: The main processing unit invokes the secure communication unit to receive the court execution notice, and the main processing unit verifies the mandatory password. After successful, the modified weight unit is called to modify the weight, the fund transfer unit is called to transfer the funds, and the money to be received is cleared. , the transaction is recorded in the business reputation service sub-unit, and the transaction is ended.

Value-added service units include: Business Reputation Service Sub-Unit: Record successful, failed historical transaction information. Provide clues for subsequent buyers to choose goods. Mediation Service Sub-Unit: Dispute information and suggested handling methods and results for both buyers and sellers. Advertising Service Subunit: Publish the product information of Seller 2. Certification Service Sub-Unit: Record the authenticity and validity of the information of the Buyer 1 concerned, including the business license, product certificate, tax certificate, health permit, product inspection certificate, product quality assurance certificate, after-sales service commitment, etc. . Evidence Service Information Sub-Unit: Record the contract for payment related orders, record the buyer 1 receipt document, and record the buyer 1 sign-up video surveillance screenshot for use when needed. Referring to the operation method of the synchronous payment system of the present invention as shown in the synchronous payment process of FIG. 6, the method includes: A: Opening an account: a book

You can hold an ID card, a Business License for Enterprise Legal Person or a Business License, and go to the local savings counter to apply for online banking signing. After successful signing, log in to the online bank and activate the user according to the prompts of the online bank. After successful , become a signing customer of online banking.

B: Login:

Follow the online banking help file instructions, install and use an online banking certificate on your browser, or log in to the online banking system using a USB smart card. The main processing unit calls the client authentication processing unit, and receives the buyer 1 and the seller 2 to log in.

C: Buyer pays:

After the buyer 1 logs in successfully, the main processing unit calls the accept order processing unit to create a payment order, and the buyer payment processing unit performs the payment. The funds stay in the buyer's bank synchronous payment system. 4 The buyer 1 synchronizes the payment system account, but the information flows. When the seller 2 withdraws the funds with the buyer password, the funds flow.

D: Synchronous payment system delay automatic refund:

After the buyer's payment processing unit performs the payment, the peer payment system main processing unit calls the automatic refund unit to monitor the payment status.

E: The seller modifies the delivery status:

After the seller 2 delivers, log in, submit the delivery password to the seller's bank synchronous payment system 6 synchronous payment system, the seller's bank synchronous payment system 6 synchronous payment system forwards, the buyer's bank synchronous payment system 4 main processing unit calls the delivery status modification unit After the verification is successful, the delivery status in the payment matrix is rewritten, and the automatic refund function unit is turned off.

F: Seller's payment:

After the seller 2 or the buyer 1 negotiates, if necessary, the modification weight unit is used to modify the weight, the seller 2 initiates the seller collection unit to receive the payment, or the buyer 1 initiates the buyer 1 payment processing unit payment. G: Seller's refund:

Seller 2 initiates the seller refund processing unit refund or buyer 1 initiates the buyer 1 recycles the funds unit refund.

H: Mediation services and litigation:

After the seller 2 or the buyer 1 negotiates, the consensus cannot be reached. The main processing unit calls the requesting human service unit to state the reason and the expected result. The main processing unit calls the mediation service subunit to return the bank customer service suggestion processing method and result, if the transaction Both parties accept and complete the payment by themselves. If mediation is not accepted, the main processing unit calls the application litigation unit to enter the judicial processing stage.

Say

I: Buyer Bank Synchronous Payment System Enforcement Process:

After the seller 2 or the buyer 1 negotiates, no consensus can be reached. One of the parties decides to enter the lawsuit, and the main processing unit calls the book.

Apply for a litigation unit, rewrite the litigation state variable of the payment matrix, turn off the automatic payment function, and pay the order to lock. The main processing unit invokes the evidence service information subunit to provide payment to the court, and the court decision execution notice arrives, and the bank customer service personnel initiates the mandatory processing unit to end the payment order.

J: Value-added services:

The system main processing unit calls the business reputation service sub-unit to automatically complete the business reputation record, and other services have customers' choices.

As shown in Figure 7, the multi-party transaction synchronous payment structure diagram, for sellers, buyers, intermediaries, taxation and other multi-party payment can improve the implementation of the synchronous payment system as follows: The buyer uses the synchronous payment system virtual currency, the cash is converted into the pending currency, the pending currency, the intermediary Coins, tax coins, first payment of the currency to be received, intermediary currency, tax currency, seller delivery, the buyer pays the pending currency after receiving the goods, the seller pays the intermediary fee, obtains the intermediary currency, the seller pays the tax, and obtains the tax currency The seller then combines the to-be-paid currency, the currency to be received, the intermediary currency, and the tax currency into cash through the synchronous payment system; when the seller receives the return, the seller returns the currency to be received, and the buyer requests the intermediary to return the money according to the pending currency. After the intermediary currency, the intermediary currency is obtained. The buyer requests the tax return to the tax currency according to the pending currency and the pending currency, and obtains the tax currency. The buyer combines the pending currency, the pending currency, the intermediary currency, and the tax currency through the peer payment system. For cash.

Multi-party payment for sellers, buyers, intermediaries, taxation, etc. can also be implemented by nested synchronous payment system as follows. For example, if only the buyer and seller are involved in the transaction, the second-order system is the buyer, the seller 2 and the intermediary are the third-order system, and the buyer, the seller 2 and the intermediary who participate in the transaction are the N-order system. , need to nest N-1 order synchronous payment system to achieve payment.

The seller and the buyer use the synchronous payment system to pay, the seller and the intermediary use the synchronous payment system, and the seller and the tax use the synchronous payment system. After the delivery is successful, when the seller and the buyer use the synchronous payment system to pay the compound into cash, the seller is detected. Whether the use of synchronous payment with the intermediary is completed, whether the simultaneous payment between the seller and the tax is completed, and the payment between the seller and the intermediary, between the seller and the tax is completed, and the payment between the seller and the buyer is compounded into cash. Description

Request. After the delivery fails, the buyer requests the intermediary and tax to return the virtual currency by returning the record of the seller's pending receipt.

The present invention has been described in detail in the above description, and is not to be construed as limiting the scope of the invention.

In conclusion, the present invention has been described in the above-described preferred embodiments, but it should be understood that various changes and modifications may be made by those skilled in the art unless such changes and modifications depart from the scope of the present invention. Within the scope of protection of the present invention.

Claims

Claim

A synchronous payment system, characterized in that the system comprises:

Buyer computer terminal: Select goods through the Internet, use it to communicate with the seller, form a contract or order for commodity transactions, form a secure network connection with the buyer's bank's peer payment system, log in to the bank's synchronous payment system to complete the payment, and the buyer receives the qualified goods. After that, the buyer will deliver the buyer's password to the seller or log in to the buyer's bank and the payment system will pay the pending currency to the seller; after the seller receives the return, the seller will return the seller's password to the buyer, and the buyer will return to the buyer's bank synchronous payment system with the seller's password. The coin or seller logs in to the seller's bank synchronous payment system to return the money to be returned to the buyer; the seller computer system: displays and sells its own goods and services through the Internet, interacts with the buyer's computer terminal, negotiates the transaction contract, makes the order, and the seller's bank The synchronous payment system constitutes a secure network connection, and the seller's bank synchronous payment system is registered to complete the payment or refund. After the seller issues the goods, the delivery status password is used to modify the delivery status of the pending currency. After the buyer receives the qualified goods, the buyer provides the goods. Buyer The code is given to the seller, the seller pays the seller's password through the synchronous payment system of the seller's bank or the buyer logs in to the buyer's bank synchronous payment system to pay the pending currency to the seller; after the seller receives the return, the seller gives the seller's password to the buyer, or logs in to the seller's bank. The peer payment system returns the money to be received to the buyer; the buyer is willing to accept the defective goods, negotiates the discount ratio with the seller, and the seller uses the weight password to modify the weight of the pending currency to realize partial payment;

Buyer's bank synchronous payment system: forming a secure network connection with the buyer computer terminal and the seller's bank synchronous payment system, including data storage devices and data processing devices, data processing devices accepting authentication, login and order; data processing device virtual, composite currency, Cash virtual is the currency to be received, the currency to be paid, the currency to be received and the currency to be paid are combined into cash; the data processing device pays, receives the currency to be received, the currency to be paid and the cash; the data processing device securely transmits the buyer password, the seller password, Weight password, status password, mandatory password, etc.;

Seller's bank synchronous payment system: forms a secure network connection with the buyer's bank synchronous payment system and the seller's computer system, including data storage devices and data processing devices, the data processing device accepts authentication, login and order; the data processing device pays and receives the to-be-received money , the currency to be paid and the cash, the data processing device transmits the buyer password, the seller password, the weight password, the status password, the mandatory password, etc.;

Secure communication network: A secure communication connection is formed between the buyer's bank synchronous payment system and the seller's bank synchronous payment system, between the seller's computer system and the seller's bank's synchronous payment system, or between the buyer's computer terminal and the buyer's bank's synchronous payment system. The network between the seller computer system and the seller bank synchronous payment system, the buyer bank synchronous payment system and the seller bank synchronous payment system, at least the virtual private network erected on the public network constitutes a secure communication connection.

2. A synchronous payment system according to claim 1 wherein:

The buyer computer terminal is one of a microcomputer, a notebook computer, an embedded computer, a tablet computer, a smart phone, an ATM (automatic teller machine), and a POS machine. Claim

3. The synchronous payment system according to claim 1, wherein:

The seller computer system is a microcomputer, a microcomputer server, a notebook computer, an embedded computer, a tablet computer, a smart phone, an ATM (Automatic Teller Machine), and a computer local area network system constituted by the network connection device.

4. The peer-to-peer payment system of claim 1 wherein:

The buyer bank synchronous payment system is a supercomputer server, a mainframe server, a medium computer server, a small computer server, a microcomputer server, a microcomputer workstation or a terminal and a computer local area network system constituted by the network connection device.

5. The synchronous payment system of claim 1 wherein:

The seller bank synchronous payment system is a supercomputer server, a mainframe server, a medium computer server, a small computer server, a microcomputer server, a microcomputer workstation, and a terminal and a computer local area network system constituted by the network connection device.

The synchronous payment system according to any one of claims 1 to 5, characterized in that:

The secure communication network is a private network or a virtual private network set up on a public network, and the virtual private network adopts tunnel technology, encryption and decryption technology, key management technology, and user and device identity authentication technology in the public network. A private network established over the public network (PSTN), Global System for Mobile Communications (GSM), General Packet Radio Service Network (GPRS), Code Division Multiple Access (CDMA), Wideband Code Division Multiple Access Network (WCDMA), 3G network, 4G network, shared network system formed by the next generation network (NGN) or LAN access to the Internet.

The synchronous payment system according to any one of claims 1 to 6, characterized in that:

The data storage device of the buyer's bank synchronous payment system is configured to store buyer account opening information and transaction information, including: an account opening information storage unit, an account information storage unit, an order information storage unit, a login information storage unit, a payment process information storage unit, and a payment Matrix storage unit, value-added service information storage unit;

The data processing device of the buyer's bank synchronous payment system processes the payment operation, including: a main processing unit, a client authentication processing unit, an acceptance order processing unit, an order filing processing unit, an order inquiry unit, a cryptographic processing unit, a secure communication unit, and a savings Account operation unit, fund transfer unit, reset password unit, buyer payment processing unit, automatic refund unit, delivery status modification unit, modification weight unit, bank charge commission unit, seller collection unit, buyer payment processing unit, Seller refund processing unit, buyer recovery fund unit, buyer passive automatic payment unit, application litigation unit, mandatory processing unit, request manual service unit, system help unit, value-added service unit; wherein, the customer authentication processing unit responds to the buyer user authentication, login The synchronous payment system accepts the order processing unit to form an order, the buyer payment processing unit processes the buyer payment operation, and generates the pending currency in the buyer's bank peer payment system. Claim

Buyer password, pending currency, seller password, weight password, status password, mandatory password, the pending currency is credited to the buyer's account, and the buyer's password is encrypted and sent to the buyer; the buyer's bank's peer payment system is processed through the seller's bank peer payment system. The receipt of the money is paid to the seller, and the seller sends the seller password, the weight password, and the status password to the seller. The seller collection unit processes the seller’s request to withdraw the pending currency through the seller’s bank’s synchronous payment system, or the buyer’s payment processing unit processes the buyer. a request for payment of the pending currency to the seller; the fund transfer unit responds to the seller's request to withdraw the cash into the seller's account with the pending currency and the pending currency; the seller refund processing unit receives the pending currency returned by the seller, and the buyer recycles the funds unit to receive The buyer withdraws the money to be received from the seller's bank synchronous payment system by the seller's password to withdraw the money to be received; the fund transfer unit responds to the buyer's request to use the pending currency and the pending currency to withdraw cash into the buyer's account; Execution notice payment.

The synchronous payment system according to any one of claims 1 to 10, characterized in that:

The seller bank synchronous payment system includes a data storage device and a data processing device; the data storage device stores the seller account opening information and the transaction information, and includes: an account opening information storage unit, an account information storage unit, an order information storage unit, a login information storage unit, and a payment. a process information storage unit, a payment matrix storage unit, and a value-added service information storage unit;

The data processing device processes the payment, including: a main processing unit, a client authentication processing unit, an accept order processing unit, a query unit, an order inquiry unit, a cryptographic processing unit, a secure communication unit, a savings account operation unit, a fund transfer unit, and a payment Processing unit, automatic refund unit, modification weight unit, buyer payment processing unit, seller collection unit, commission sharing unit, seller refund processing unit, buyer recovery fund unit, commission discount unit, high-risk group inquiry unit, seller application automatic Payment unit, application lawsuit unit, mandatory processing unit, request manual service unit, system help unit, value-added service unit (commercial reputation service sub-unit, mediation service sub-unit, advertisement service sub-unit, authentication service sub-unit, proof service information sub-unit );

9. A method of implementing a synchronous payment by a synchronous payment system according to any of claims 1-8, characterized in that the method comprises:

A: virtual, compound currency, accepting the order processing unit to virtualize the cash as the to-be-received currency and the to-be-paid currency; the fund transfer unit combines the to-be-received currency and the to-be-paid currency into cash; Claim

B: payment of the to-be-paid currency, the buyer payment processing unit credits the pending payment to the buyer's account, and encrypts and sends the buyer's password to the buyer; the buyer's payment processing unit pays the to-be-paid currency to the seller through the seller's bank synchronous payment system, and encrypts and sends the seller's password, The weight password and the status password are given to the seller; the buyer occupies the currency to be paid, and the seller occupies the money to be received, realizing the control of the payment process by the buyer and the seller;

C: payment of the pending currency, buyer's receipt, seller's receipt, seller's collection unit processing the seller's request to withdraw the pending currency by the seller's bank synchronous payment system, or the buyer's payment processing unit processing the buyer's payment of the pending currency to the seller Request; the seller's bank synchronous payment system fund transfer unit responds to the seller's request to deposit the pending cash and the combined cash to be deposited into the seller's account;

D: Return the money to be received, the seller receives the return, the buyer refunds, and the buyer's recovery fund unit receives the buyer's request to withdraw the money to be received by the seller's password, returns the money to be received from the seller's bank synchronous payment system, or the seller's refund processing unit receives The money to be returned by the seller; the fund transfer unit responds to the buyer’s use of the pending currency and the composite cash to be deposited into the buyer’s account.