CN101188004A - Global electronic money system and method based on user name system - Google Patents
Global electronic money system and method based on user name system Download PDFInfo
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Abstract
The invention relates to a username system based global electronic cash method, which is established on the basis of all-IP structures and full-network uniform UNS application layer addresses for binding a UNS user and a preset payment account. The method comprises the following procedures: a, in a transaction between UNS users holding heterogeneous cash, a UNS user facilitator issues fictitiously a certain amount of electronic cash according to the demand of the user; b, a UNS number replaces the preset payment account for paying at the front desk and the paying process of the preset payment account is adopted at the back desk for paying; c, the electronic cash amount mutually paid between the UNS users is recovered. The network payment means of the communicast network has the advantages of long distance, real-time performance, ultramicro value amount, safety, arbitrary end-to-end possibility and automatic heterogeneous cash interchanges, and the payment mode can be B-B, B-C, C-C, etc., so the invention has the potential of becoming completely new and perfect global electronic cash.
Description
Technical field
The present invention relates to the electronic money payment system in the communication network, more particularly, relate to a kind of global electronic money system and method based on user name system.
Background technology
A key reason of internet business model defective is the disappearance that is fit to the means of payment of cybertimes.Based on the ecommerce of internet, Web bank, shopping at network, online transaction etc.,, realize these the most basic conditions are how to pay as long as carrying out of these business is not that to have possessed professional technical conditions itself just passable.
Just have a lot of means of payment available now, but these existing means of payment all are the needs that can not adapt to cybertimes fully.For example, postal payment.By the postal service payment is means commonly used now, but postal on the one hand payment has safety problem to exist, be the cost problem of postal payment on the other hand: online a lot of operating costs and value are lower, and the expense of common postal payment may be bigger than the value of a lot of Networks itself far away.Simultaneously, postal payment needs the regular hour to postpone, and this also is very inconvenient to network payment.
And employing credit card or bank card.Credit card or bank card are feasible payment way, but safety problem is a very big puzzlement.Shu Ru card number and password are without any safety guarantee on the net, and all will to input number of the account and password simultaneously also pretty troublesome at every turn.And Internet Web bank generally needs terminal to operate, the unusual difficulty of mutual payment between the user.If take the attendant directly to user's this mode of locating to conclude the business, the means of payment cost is higher, can not embody the advantage of network trading.
Hence one can see that, and the existing modes of payments can not satisfy the particular transaction demand of following five aspects:
1, long-range.Network trading generally need be supported long-range transaction, if the modes of payments is not long-range, the advantage of network trading just can not embody.
2, real-time.If after transaction took place, payment process was very long, this can influence the convenience and the feasibility of transaction equally greatly.Network trading is a kind of real-time transaction, and its means of payment also must be real-time.The one side problem that can not pay in real time is the stationary problem that brings between delivery and the payment.Businessman is general to require to receive the Qian Houzai delivery, and the general requirement of client can be taken the commodity of oneself buying at once after having paid money.Thisly on the other hand can not realize that real-time payment also may bring the worry of user to the process of exchange security, some illegal persons utilize the mistiming of this payment to gain client's wealth by cheating by network possibly.
3, little amount of value.The cost of Network is mostly lower, even cost that generally may single service is far below the minimum subsidiary unit of existing currency, and for example some Network cost may be far below red cent.If adopt existing monetary payoff mode, the cost of means of payment itself is worth tallerly than professional, and operating cost has just become and depends primarily on payment cost.The payment of little amount of value requires means of payment can measure on the one hand price far below the minimum subsidiary unit of currency, requires the cost of means of payment itself should be far below the cost that has the currency means now on the other hand, and is complementary with the cost of network commodity.
4, safety.Because transaction is not face-to-face, but long-range, this long-range can be to conclude the business mutually on earth any two places.If the security system of neither one safety, people are difficult to real acceptance to network trading and payment.
5, payment end to end arbitrarily.As a kind of means of payment, cash currency can paid between the user arbitrarily.Network payment will reach the ecommerce that the payment comfort level the same with existing currency just can realize the C-C model, and existing electronic money generally can only be realized the payment mode of B-B and B-C pattern.
And another invention " based on the user name system and the method for IP agreement " (application number: 200610063542.9) propose patented claim on November 8th, 2006 to State Patent Office related to the present invention.
Summary of the invention
The technical problem to be solved in the present invention is, the defective at the above-mentioned existing modes of payments of prior art provides a kind of global electronic money system and method based on user name system.
The technical solution adopted for the present invention to solve the technical problems is: construct a kind of global electronic money system based on user name system, this system is based upon on the unified UNS application layer address basis of all-IP structure and the whole network, UNS user and default payment accounts are bundled, comprising:
The distribution module, it is used for the electronic money according to the virtual distribution some of UNS user's needs;
Payment module, it is used for utilizing UNS number alternative default payment accounts to pay on the foreground, adopts the payment process of default payment accounts to pay on the backstage;
Recycling module, its electronic money volume that is used for paying mutually between the UNS user reclaims.
In the global electronic money of the present invention system, also comprise:
The difference processing module, it is used to utilize present international strong currency to pay to fill up this difference; Perhaps by forming debt between the UNS user service provider to prolong the time of reclaiming, in the longer time, to reclaim; Perhaps the circulation payment by carrying out electronic money between a plurality of UNS user service provider and reclaim after, utilize international money to fill up operation again; Perhaps utilize the special international electronic money company that reclaims to hedge mutually from the electronic money difference of the whole world each country variant UNS service provider.
In the global electronic money of the present invention system, the payment mode of described payment module is B-B, B-C, C-C pattern.
In the global electronic money of the present invention system, described default payment accounts is any financial account number that possesses the remote support ability, as virtual number of the account or other virtual numbers of the account of Credit Card Payments number of the account or bank's debit payments number of the account or Subscriber Number formation itself.
The present invention also discloses a kind of method of the global electronic money based on user name system simultaneously, is based upon on the unified UNS application layer address basis of all-IP structure and the whole network, and UNS user and default payment accounts are bundled, and may further comprise the steps:
A, when transaction takes place between the UNS user when, if transaction UNS both sides are the xenogenesis currency, a side UNS user service provider is according to the electronic money of the virtual distribution some of these UNS user's needs;
B, utilize on the foreground and to substitute default payment accounts UNS number and pay, adopt the payment process of default payment accounts to pay on the backstage;
C, with between the UNS user mutually the electronic money volume of payment reclaim.
In the method for global electronic money of the present invention, described step b further comprises:
B1, the electronic money that will issue are transferred accounts to another UNS user service provider, write down the electronic money volume that this is transferred accounts simultaneously in its electronic money number of the account;
B2, described another UNS user service provider are converted to xenogenesis electronic money volume by the market rate automatically with this electronic money, and in described another UNS user account of transferring accounts, write down the xenogenesis electronic money volume that this is transferred accounts simultaneously in its electronic money number of the account.
In the method for global electronic money of the present invention, described step c further comprises:
C1, when the user of a large amount of described another UNS service providers when the user of described UNS service provider pays, described UNS both sides can reclaim the electronic money volume of paying mutually.
In the method for global electronic money of the present invention, after carrying out described step c, further comprise:
D, the residue difference after the described recovery is handled.
In the method for global electronic money of the present invention, described steps d specifically comprises:
Utilize present international strong currency to pay to fill up this difference; Perhaps
By forming debt between the UNS user service provider to prolong the time of reclaiming, in the longer time, to reclaim; Perhaps
Circulation payment by carrying out electronic money between a plurality of UNS user service provider and reclaim after, utilize international money to fill up operation again; Perhaps
Utilize the special international electronic money company that reclaims to hedge mutually from the electronic money difference of the whole world each country variant UNS service provider.
In the method for global electronic money of the present invention, the payment mode of this method is B-B, B-C, C-C pattern, described default payment accounts is any financial account number that possesses the remote support ability, as virtual number of the account or other virtual numbers of the account of Credit Card Payments number of the account or bank's debit payments number of the account or Subscriber Number formation itself.
The invention has the beneficial effects as follows, that the logical network payment means of broadcasting net have is long-range, real-time, ultra micro amount of value, safety, arbitrarily end-to-end, possess the characteristics of xenogenesis currency swap automatically, its payment mode can be any-modes such as B-B, B-C, C-C, thereby has the potentiality that become brand-new, perfect " global electronic money ".
Description of drawings
The invention will be further described below in conjunction with drawings and Examples, in the accompanying drawing:
Fig. 1 is a logical synoptic diagram of broadcasting the network technology model of the present invention;
Fig. 2 is the process flow diagram of the global electronic money method based on user name system of the present invention.
Embodiment
As shown in Figure 1, on a unified IP network layer, provide user name system (UNSerName System is called for short UNS) server layer, to obtain the client layer service.In case set up client layer, logical each Terminal Type and the service device of broadcasting net just can be carried out the logical arbitrarily network service of broadcasting based on this client layer.
Because the technical characterstic of IP network maximum is to have realized separating of professional and network that the business demand descriptive language that therefore can use full abstract is realized business is controlled.Technically, logically broadcast the general service control that net is exactly all-IP networking+UNS agreement+requirement description language+realize based on global electronic money (Global Electronic Currency is called for short GEC)+Network demand arbitrarily of UNS.Complete IP network is easy to become the bearer network of the information of full process and full network, it not only can realize more flexible and abundanter than telecommunications network, internet and the radio network in past broadcasting service far away, and the media formats upgrading is more convenient, can also realize easily and final user's interaction, charge by use amount.As long as discharge the cost of IP and the overwhelming dominance of bandwidth, past telecommunications network, internet, broadcast technology and digital broadcasting technology have not just had the space of existence.
Among the present invention, the UNS agreement is divided into stable region (UNS server) and variable domain (user) with UNS.Stable region is a territory that quantity is very limited.The UNS address designation of this stable region the title of UNS server, the mapping relations of they and IP address are basicly stable.These mapping relations are disclosed, and the factor amount is very limited, and it is known just to can be all users and server.And each user's UNS address and the strictness of IP address mapping relation are by each UNS attribution server (Home Server, be called for short HS), manage, thereby the UNS number of users of being managed can be limited within the processing capability in real time scope that current techniques can realize.
By this method, the UNS agreement can set up stable UNS user name and the height dynamic change IP address of terminal between real-time mapping relations, even the user is diverse location or the IP address difference that obtains at same physical location on network, this user's number and title can not change, thereby can realize mutual visit between user by this UNS on the IP network, and need not be concerned about how many current IP addresses of user is.
The realization of UNS system is by stack one deck UNS service layer on IP network.After the user of any support UNS agreement inserts IP network, obtain the IP address earlier; Register the IP address of controlling oneself current to UNS service layer then; After user's IP address changes, will re-register immediately.In case register, can set up the mapping relations between UNS address and the active user IP address at once.When other UNS user calls out with this UNS address, can at first inquire called UNS user's current IP address by UNS service layer, directly set up two communication contacts between the terminal user by the IP address then.
Obviously, UNS not only can be used for the name identification to the user, also can be used for the name identification to other content server.Realize UNS system and method for the present invention, do not need IP network is done any change.UNS system and method for the present invention can be supported IPV4 (Internet protocol the 4th edition), also can support IPV6 (Internet protocol the 6th edition), and the following any new logical address agreement that occurs.
And be to be based upon on the unified UNS application layer address basis of all-IP structure and the whole network based on the global electronic money system of above-mentioned user name system, UNS user and default payment accounts can be bundled, comprising:
The distribution module, it is used for the electronic money according to the virtual distribution some of UNS user's needs.Payment module, it is used for utilizing UNS number alternative default payment accounts to pay on the foreground, adopts the payment process of default payment accounts to pay on the backstage;
Recycling module, its electronic money volume that is used for paying mutually between the UNS user reclaims.
Need to prove that the default payment accounts here can be existing various payment accounts, for example the debit payments number of the account of Credit Card Payments number of the account, bank, UNS number of the account itself are as payment accounts or other virtual numbers of the account etc.
If bundle with the current credit card in the current whole world etc., or directly broadcast on the net basis logical, utilize the virtual invention process of GEC currency to set up country variant currency converting system voluntarily, can realize global paying ability.Because the logical net of broadcasting can be carried on arbitrarily on the basic network, thereby this GEC currency almost can pass through any different physical networks, and the logical payment and the reception of broadcasting realization GEC currency between the network termination of any type.
And present bank ATM machine etc. need machinery and equipment special and that price is extremely expensive, and need very complicated networking software could realize interconnected.And Internet Web bank generally needs terminal to operate again, and the unusual difficulty of mutual payment between the user.With these technology is the currency that realize on the basis, though also be called as " electronic money ", but they are suitable imperfections and coarse, and in many-sides such as paying ability, use popularity, ease of use, payment costs, can't be comparable with current cash notes.
Broadcast the payment of net and being available anywhere of receiving terminal and lead to, and extremely easy to use and payment cost is extremely cheap, to make GEC obtain payment convenience and the widespread popularity that is similar to substantially with cash, and, also have payment process simultaneously and can relate brand-new payment functions such as (thereby also being easy to be recovered) even stolen the modes of payments that realizes C-C arbitrarily between the terminal (existing electronic money generally can only be realized the modes of payments of B-B and B-C).Therefore, have only the logical electronic money of broadcasting net to be only and have the final ability that substitutes bank note, and become the electronic money that really improves on the meaning.
The use of GEC currency also is equivalent to a kind of debt of issued by banks, and the client need not extract cash, and uses the currency of this electronic form to conclude the business, and receives that the people of this electronic money can extract the cash of respective numbers with this.Therefore, the use of GEC currency can be saved needed cash quantity in the circulation in a large number, makes bank can possess more cash and is used for making loans, thereby greatly increase wealth effect.
GEC currency and existing general electronic money are similar under currency condition of the same race.As a user A during to the money of another user B payment some, cash does not occur, and just party A-subscriber's number of the account has taken place to transferring accounts that party B-subscriber's number of the account is carried out in the account of bank.When the number of the account of A and B in same bank, this only is the internal account transfer of same bank, and if A is in different banks with B, difference only is that inter-bank is transferred accounts.
In this process, " distribution " of GEC currency, " payment " with " user who receives the GEC currency deposits go back to bank with the GEC currency; thus realize the recovery of GEC currency " these three processes almost finish simultaneously, so can't see the distribution problem of GEC currency substantially.The distribution process of GEC currency mainly appears in the payment between the xenogenesis monetary area.
When UNS user directly bundlees certain credit card, in fact be to have substituted credit number with UNS number on the foreground to pay.And real payment process still adopts the payment process of credit card fully on the backstage.Because credit number does not occur on the foreground, the security of this modes of payments is than directly using credit number to increase to some extent.When adopting credit card to carry out transnational payment, the bank on backstage has carried out buying foreign exchange automatically and transferring accounts of xenogenesis currency automatically, it still is based upon conventional currency and exchanges on the basis, only payment process is electronic fully and automatic, and can not rely on the specific credit card card reader that bank provides fully, and can make the process of swiping the card be based upon logical arbitrarily broadcasting on the network termination.
In the process of utilizing credit card to pay, be the convertible foreign exchange that needs an intermediateness as means of account settlement, and the user need to buy the process of foreign exchange automatically in each payment process.And if carry out transnational payment with the GEC currency, a very big benefit is arranged is all to buy the operation of foreign exchange automatically at every turn in clearing, and greatly saves needed actual foreign exchange amount of money.
This process is to realize by virtual generation of GEC currency and recovery a large amount of in the network payment process.Be example with two transaction of using to take place between the country of different currency, as China and Thailand.
When certain towkay A1 wants to sell a kind of product to certain Thailand businessman B, and this Thailand businessman B had not both had Renminbi not have dollar at hand yet, had only Thai Baht, but towkay A1 is reluctant to accept Thai Baht.Like this, because the restriction of different currency, this transaction just is difficult to successfully.And just in time have certain towkay A2 in Thailand, and he has in the hand and dollar wants to be exchanged into Thai Baht and purchase in Thailand in a large number, if this towkay A2 can give this Thailand of front businessman B with U.S. dollar exchange, then the transaction between A1 and the B just is easy to success.But in the ordinary course of things, so bring successfully coincidently such tripartite transaction together is very difficult thing.
But, if both sides adopt the GEC currency to conclude the business as middle currency by the bank of two countries.The Thailand businessman directly uses Thai Baht to purchase needed commodity to the towkay, directly is Renminbi and the towkay obtains.Will make process of exchange how smooth and easy and easy like this.This process is also uncomplicated, and the GEC currency is settled accounts according to the market rate in the bank of two countries automatically.
The distribution of currency in fact is equivalent to a kind of debt.When a user has the cash of some in bank, when he will use this cash, bank did not directly extract this cash and gives him, but removes to express this cash with certain electronic signs.This electronic signs is exactly the silver-colored ticket that is equivalent to substitute at first gold.The user can go to replace cash to pay with this electronic signs.The electronic signs that this alternative cash occurs is exactly the distribution process of GEC currency.
Suppose two UNS user A, B, what A adopted is Renminbi, and what B adopted is Thai Baht.A will pay 5000 Thai Bahts to B.Be simple and Convenient Calculation and expression, suppose that it is 1: 5 that current Renminbi is converted the exchange rate of Thai Baht, just A will pay 1000 Renminbi to B, is 5000 Thai Bahts and B will receive.
And hypothesis is respectively UNS1, UNS2 in the pairing user in A, party B-subscriber's behind service provider.
In the case, the UNS1 at user A place will be from 1000 yuans of deductions in the account of A, be equivalent to the virtual GEC currency of having issued 1000 yuans simultaneously, and this GEC currency transferred accounts to UNS2, in the GEC account of oneself, write down 1000 yuans GEC note issuance volume and corresponding Thai Baht volume simultaneously to UNS2 bank.UNS2 is converted to 5000 Thai Bahts by the market rate automatically with this GEC currency of 1000 yuans, and in the account of the user B that transfers accounts, and writes the debt from 5000 ancient unit of weight, equal to 1/24 liang GEC currency of UNS1 bank down.
Obviously, in this case, will inevitably in two user service providers, all produce the remaining sum of GEC currency.But, since the transaction carry out in a large number, at this moment between the section in also must have the user of user in UNS1 in other a large amount of UNS2 to pay situation.Like this, UNS1 and UNS2 just can reclaim the GEC amount of currency of paying mutually.
For example, 1000 yuans of the B payment of the A in the UNS1 in UNS2 in the above, and B obtains 5000 Thai Bahts.Afterwards the C in the UNS2 again the D in UNS1 pay 5000 Thai Bahts, and D will obtain 1000 yuans.In this case, UNS2 does not need to re-issue the GEC currency, and it is just passable only to need the GEC currency of 1000 Renminbi of the UNS1 distribution that will receive previously or 5000 Thai Bahts to give back UNS1.Thereby 1000 yuans of GEC currency of front UNS1 distribution just have been recovered, and 1000 yuans of cash transfer of equal amount are arrived in the account of D.
What so stay in each specific period only is that the remaining xenogenesis currency of both sides reclaims difference afterwards.For example, in one period the statistics under after, the user of the user in the UNS1 in UNS2 paid 1,000,000,000 Renminbi, be equivalent to 5,000,000,000 Thai Bahts, and the user of the user in the UNS2 in UNS1 paid 4,000,000,000 Thai Bahts, is equivalent to 800,000,000 Renminbi.The GEC currency of remaining 200,000,000 Renminbi or 1,000,000,000 Thai Bahts does not have and can reclaim after the GEC currency reclaims like this.
Above-mentioned global electronic money system also comprises: the difference processing module.
Remaining difference can have four kinds of processing modes after this being carried out the routine recovery:
1, be can with present international strong currency (as gold or dollar) pay filling up this difference, thereby the GEC ideal money of all distribution is reclaimed.Can pay UNS2 with the equivalent dollar of 200,000,000 Renminbi as UNS1 in above-mentioned example, to reclaim the 200000000 Renminbi GEC currency of oneself issuing;
2, be the time of reclaiming with prolongation, thereby in the longer time section, reclaiming by formation debt between the user service provider;
3, be circulation payment that can be by carrying out the GEC currency between a plurality of user service provider and reclaim after, fill up operation with international money again.Owe UNS2, UNS2 as, UNS1 and owe UNS3, UNS3 and owe UNS1 again, and three's balance due all is 100,000,000 Renminbi common dollars, just the GEC currency of 300,000,000 Renminbi can be recycled behind the tripartite like this circulation payment GEC currency.Even the circulation GEC currency that can carry out four directions, five sides thus reclaims;
4, be a public altogether international GEC currency of specializing in this work to occur to reclaim company, will hedge mutually from the GEC currency difference of the whole world each country variant UNS service provider.It also is kindred organization that existing in fact credit card is organized on the principle.But because the restriction of electronic technology in the past, Credit Card Payments is the short-term lending-payment mode based on credit, rather than has the monetary payoff pattern that cash is the basis based on the own account of user.
The present invention also discloses a kind of method of the global electronic money based on user name system simultaneously, is based upon on the unified UNS application layer address basis of all-IP structure and the whole network, and UNS user and default payment accounts are bundled, and may further comprise the steps:
Step S1, S2: when between the UNS user transaction taking place, judge whether transaction UNS both sides are the xenogenesis currency.
Step S3:, then conclude the business according to existing mode of doing business if transaction UNS both sides are not the xenogenesis currency.
Step S4: if transaction UNS both sides are the xenogenesis currency, a side UNS user service provider is according to the electronic money of the virtual distribution some of these UNS user's needs.
Step S5: utilize UNS number alternative default payment accounts to pay on the foreground, adopt the payment process of default payment accounts to pay on the backstage.
Need to prove that the default payment accounts here can be existing various payment accounts, for example the debit payments number of the account of Credit Card Payments number of the account, bank, UNS number of the account itself are as payment accounts or the like.
The electronic money of this distribution is transferred accounts to another UNS user service provider, in its electronic money number of the account, write down the electronic money volume that this is transferred accounts simultaneously; Another UNS user service provider is converted to xenogenesis electronic money volume by the market rate automatically with this electronic money, and in described another UNS user account of transferring accounts, writes down the xenogenesis electronic money volume that this is transferred accounts simultaneously in its electronic money number of the account.
Step S6: the electronic money volume of paying mutually between the UNS user is reclaimed.When the user of a large amount of described another UNS service providers when the user of described UNS service provider pays, described UNS both sides can reclaim the electronic money volume of paying mutually.
Step S7: the residue difference after the described recovery is handled.Specifically comprise: utilize present international strong currency to pay to fill up this difference; Perhaps by forming debt between the UNS user service provider to prolong the time of reclaiming, in the longer time, to reclaim; Perhaps the circulation payment by carrying out electronic money between a plurality of UNS user service provider and reclaim after, utilize international money to fill up operation again; Perhaps utilize the special international electronic money company that reclaims to hedge mutually from the electronic money difference of the whole world each country variant UNS service provider.
Hence one can see that, that the logical network payment means of broadcasting net have is long-range, real-time, ultra micro amount of value, safety, arbitrarily end-to-end, possess the characteristics of xenogenesis currency swap automatically, its payment mode can be any-modes such as B-B, B-C, C-C, thereby has the potentiality that become brand-new, perfect " global electronic money " (GEC:GlobalElectronic Currency).
Adopt the GEC currency to carry out international trade a very large benefit is arranged, be order of magnitude ground exactly and greatly reduced needs foreign exchange reserve, and only use local currency just can carry out International Transaction, and greatly reduced the financial service cost and risk of bringing because of a large amount of foreign currency exchanges.For example paying 1,000,000,000 Renminbi, UNS2 at UNS1 to UNS2 pays in the case of 4,000,000,000 Thai Bahts to UNS1, to need equivalent third party's currency foreign exchange (as dollar) of 1,800,000,000 Renminbi that transaction is carried out in the past, but the equivalent foreign exchange of a following needs 200,000,000 Renminbi of worst condition is just enough now, can reduce by 9 times foreign exchange demand.If considering that circulation is reclaimed and professional GEC currency recovery company concentrates situation about liquidating, the foreign exchange demand can also descend two more than the order of magnitude at least again, and the global economic impact that brings therefrom will be difficult to the appraisal huge.
Trade aspect at home, the economic benefit that the GEC currency is brought will be same huge, even can to replace the benefit that gold be paid and bring for whole society's economic process comparable with bank note originally.It can be several magnitude amplitude ground and reduce the demand of whole society's economic process to cash, even possesses the potentiality that replace bank note after full-fledged fully.
This process will to replace the process of gold similar with bank note.As initial bank note is the similar of gold standard, initial GEC currency is a paper basis, and perfect along with whole society GEC monetary payoff basis, bank note will withdraw from real process of exchange substantially, only provide the status that is worth the basis of credit for the GEC currency and become fully; After the GEC currency possessed sufficient basis of credit, final bank note just can withdraw from process of exchange fully, even eliminates bank note fully.
Also finishing it fixedly monthly rent is concluded the business with traditional transaction way except between network real estate sector and limited client, bit forwarding business, content service industry and user's service sector all need the GEC currency to pay.
For example, a user may be linked into the network of different bit forwarding business providers owing to the variation of locus, and it need press the flow defrayment to different bit forwarding agents.The user belongs to certain network provider in the past, and the flow that takes place when roaming into heterogeneous networks is undertaken by the inter-network settlement mode, and this also is a kind of feasible method.And adopt the GEC currency can simpler than inter-network settlement mode, more flexible and more economical (saving possible inter-network settlement expense), even can enjoy the service of a plurality of bit forwarding agent networks of access at an easy rate simultaneously.
The service of enjoy content provider needs most the support of GEC currency.Long-range, real-time, the little amount of value of network payment, safety, end-to-end, xenogenesis currency characteristics such as exchanges are automatically arbitrarily mainly served at Web content in fact, more can embody the powerful advantages of network payment here.The GEC currency is that a kind of modes of payments is improved to the bit forwarding business, then is a kind of necessary requirement to the Web content service sector.
Claims (10)
1. the global electronic money system based on user name system is characterized in that, this system is based upon on the unified UNS application layer address basis of all-IP structure and the whole network, and UNS user and default payment accounts are bundled, and comprising:
The distribution module, it is used for the electronic money according to the virtual distribution some of UNS user's needs;
Payment module, it is used for utilizing UNS number alternative default payment accounts to pay on the foreground, adopts the payment process of default payment accounts to pay on the backstage;
Recycling module, its electronic money volume that is used for paying mutually between the UNS user reclaims.
2. global electronic money according to claim 1 system is characterized in that, also comprises:
The difference processing module, it is used to utilize present international strong currency to pay to fill up this difference; Perhaps by forming debt between the UNS user service provider to prolong the time of reclaiming, in the longer time, to reclaim; Perhaps the circulation payment by carrying out electronic money between a plurality of UNS user service provider and reclaim after, utilize international money to fill up operation again; Perhaps utilize the special international electronic money company that reclaims to hedge mutually from the electronic money difference of the whole world each country variant UNS service provider.
3. global electronic money according to claim 1 and 2 system is characterized in that the payment mode of described payment module is B-B, B-C, C-C pattern.
4. global electronic money according to claim 3 system, it is characterized in that, described default payment accounts is any financial account number that possesses the remote support ability, the virtual number of the account that constitutes as Credit Card Payments number of the account or bank's debit payments number of the account or Subscriber Number itself or other virtual numbers of the account etc.
5. method based on the described global electronic money based on user name system of claim 1, it is characterized in that, be based upon on the unified UNS application layer address basis of all-IP structure and the whole network, UNS user and default payment accounts bundled, may further comprise the steps:
A, when transaction takes place between the UNS user when, if transaction UNS both sides are the xenogenesis currency, a side UNS user service provider is according to the electronic money of the virtual distribution some of these UNS user's needs;
B, utilize on the foreground and to substitute default payment accounts UNS number and pay, adopt the payment process of default payment accounts to pay on the backstage;
C, with between the UNS user mutually the electronic money volume of payment reclaim.
6. method according to claim 5 is characterized in that, described step b further comprises:
B1, the electronic money that will issue are transferred accounts to another UNS user service provider, write down the electronic money volume that this is transferred accounts simultaneously in its electronic money number of the account;
B2, described another UNS user service provider are converted to xenogenesis electronic money volume by the market rate automatically with this electronic money, and in described another UNS user account of transferring accounts, write down the xenogenesis electronic money volume that this is transferred accounts simultaneously in its electronic money number of the account.
7. method according to claim 5 is characterized in that, described step c further comprises:
C1, when the user of a large amount of described another UNS service providers when the user of described UNS service provider pays, described UNS both sides can reclaim the electronic money volume of paying mutually.
8. according to claim 5 or 7 described methods, it is characterized in that, after carrying out described step c, further comprise:
D, the residue difference after the described recovery is handled.
9. method according to claim 8 is characterized in that, described steps d specifically comprises:
Utilize present international strong currency to pay to fill up this difference; Perhaps
By forming debt between the UNS user service provider to prolong the time of reclaiming, in the longer time, to reclaim; Perhaps
Circulation payment by carrying out electronic money between a plurality of UNS user service provider and reclaim after, utilize international money to fill up operation again; Perhaps
Utilize the special international electronic money company that reclaims to hedge mutually from the electronic money difference of the whole world each country variant UNS service provider.
10. method according to claim 5, it is characterized in that, the payment mode of this method is B-B, B-C, C-C pattern, described default payment accounts is any financial account number that possesses the remote support ability, as virtual number of the account or other virtual numbers of the account of Credit Card Payments number of the account or bank's debit payments number of the account or Subscriber Number formation itself.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101568898A CN101188004A (en) | 2006-11-16 | 2006-11-16 | Global electronic money system and method based on user name system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CNA2006101568898A CN101188004A (en) | 2006-11-16 | 2006-11-16 | Global electronic money system and method based on user name system |
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| Publication Number | Publication Date |
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| CN101188004A true CN101188004A (en) | 2008-05-28 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA2006101568898A Pending CN101188004A (en) | 2006-11-16 | 2006-11-16 | Global electronic money system and method based on user name system |
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Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103514539A (en) * | 2012-06-27 | 2014-01-15 | 凗閒兼 | Method for issuing payment unit and using method therefor |
| CN105069685A (en) * | 2015-08-05 | 2015-11-18 | 杭州呯嘭智能技术有限公司 | Internet-based currency exchange and settlement method and system |
| WO2016138862A1 (en) * | 2015-03-02 | 2016-09-09 | 上海路路由信息技术有限公司 | Method and device for processing electronic currency |
| CN106529760A (en) * | 2016-09-22 | 2017-03-22 | 魔线科技(深圳)有限公司 | Virtual economic condition measuring method and virtual economic condition measuring system |
| WO2017137888A1 (en) * | 2016-02-10 | 2017-08-17 | Zhou Dylan | Systems and methods for messaging, calling, digital multimedia capture, payment transactions, global digital ledger, and national currency world digital token |
| CN107203881A (en) * | 2017-06-02 | 2017-09-26 | 郑州帮迅通网络科技有限公司 | A kind of safe and reliable payment system based on commodity value |
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2006
- 2006-11-16 CN CNA2006101568898A patent/CN101188004A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN103514539A (en) * | 2012-06-27 | 2014-01-15 | 凗閒兼 | Method for issuing payment unit and using method therefor |
| WO2016138862A1 (en) * | 2015-03-02 | 2016-09-09 | 上海路路由信息技术有限公司 | Method and device for processing electronic currency |
| CN105069685A (en) * | 2015-08-05 | 2015-11-18 | 杭州呯嘭智能技术有限公司 | Internet-based currency exchange and settlement method and system |
| WO2017137888A1 (en) * | 2016-02-10 | 2017-08-17 | Zhou Dylan | Systems and methods for messaging, calling, digital multimedia capture, payment transactions, global digital ledger, and national currency world digital token |
| CN106529760A (en) * | 2016-09-22 | 2017-03-22 | 魔线科技(深圳)有限公司 | Virtual economic condition measuring method and virtual economic condition measuring system |
| WO2018053924A1 (en) * | 2016-09-22 | 2018-03-29 | 魔线科技(深圳)有限公司 | Method and system for measuring virtual economic conditions |
| CN107203881A (en) * | 2017-06-02 | 2017-09-26 | 郑州帮迅通网络科技有限公司 | A kind of safe and reliable payment system based on commodity value |
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Application publication date: 20080528 |