CN101777222A - Electronic currency trading system - Google Patents
Electronic currency trading system Download PDFInfo
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- CN101777222A CN101777222A CN200910076158A CN200910076158A CN101777222A CN 101777222 A CN101777222 A CN 101777222A CN 200910076158 A CN200910076158 A CN 200910076158A CN 200910076158 A CN200910076158 A CN 200910076158A CN 101777222 A CN101777222 A CN 101777222A
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- stored value
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Abstract
The invention relates to an electronic currency trading system comprising electronic wallets, a charging system and a management system. The electronic currency trading system is characterized in that a customer and a trade company respectively hold an electronic wallet; the trade company holds the charging system; the customer exchanges data with the electronic wallet held by the trade company by using the personal electronic wallet through the charging system to pay expenses, recharge the electronic wallet and withdraw cash; and the trade company and the customer can exchange cash and also recharge the electronic wallets by using the electronic wallets through the management system. The invention has the advantages of simple operation, convenient use, wide application range, and the like, overcomes the trouble of forged notes, odd money, and the like for a user, and has wide application potential and market potential.
Description
Affiliated field
The present invention relates to a kind of electronic currency trade system in financial field
Background information
Moneytary operations is from the shell epoch, the gold and silver epoch, coin the epoch, and in the electronic money epoch excessively up till now in bank note epoch, experienced five epoch.Coin at present and bank note remain main monetary payoff mode.But the shortcoming of currency and coins is also more and more obvious, the appearance of counterfeit money is more and more rampant on the one hand, the high imitative counterfeit money of part even can be by the check of conventional cash inspecting machine, time that the check currency true and false is consumed even the time that is consumed above suggestion itself, brought certain loss to trade company especially fairground trade company; On the other hand, the zero paper money of some must be prepared in order to exchanging by businessman, when zero paper money is not enough, has to supply at a discount or Cancel Transaction.Therefore, the appearance of electronic money is undoubtedly the inevitable choice of era development.
The mode of doing business of electronic money mainly contains following several at present: 1, and POS system.POS system is the electronic money trading form that has bank to release, and its advantage is a lot, carries out the implementation information exchange but POS system must be connected with bank, and cost of investment is huge; On the other hand, the service fee of bank POS system is too high, except that supermarket system, and the service fee that most of trade companies refusal adopts POS system or client to be correlated with to the customer requirement payment when this system of use; Its three, POS system connects the data exchange program carry out by circuit, because interface is numerous, in case go wrong, repairs and is responsible for, even in the supermarket of using comparative maturity, the situation that transaction can not be carried out is of common occurrence.2, ideal money.Mainly be that various game moneys popular on the present network need currency and Internet bank or the like, these currency only limit to network trading, still can not carry out society at present and use.3 hand call payment system adopt prepaid mobile phone recharging, and the mode that service provider transfers accounts is paid, and this system generally will could realize through the exchange of three to four secondary data, be not suitable for marketing.4 public transport charge systems, this is a kind of electronic money form of comparative maturity, but the mass transit card system implements at urban inner at present, intercity even intercounty is used and is all compared difficulty, for example unite in the Bus Card system of foundation Beijing and Tianjin, and the amount of money that Beijing card portion deposits in can not use in Tianjin.One-way charge system in each field operation also has much at present, and this is a bottleneck of present electronic banking development.
Considering does not also have transitable electronic currency trade system at present, similar electronic transaction system is not found in retrieval yet both at home and abroad simultaneously, we have designed electronic currency trade system of the present invention, and hope can be set up inter-trade, as can freely to exchange an electronic money system.
Summary of the invention:
The present invention relates to a kind of electronic currency trade system in financial field, by stored value card, Fare Collection System and management system are formed, and it is characterized in that: client and businessman hold stored value card; Client carries out exchanges data with the personal electric wallet by the stored value card that Fare Collection System and businessman hold, and carries out reimbursement of expense, and stored value card is supplemented with money and cash withdrawal; Businessman and client, also can carry out stored value card and supplement with money by the convertible cash of management system with stored value card.
Electronic currency trade system involved in the present invention, Fare Collection System is held by client, and trade company's end and controller are formed; Client's end is client's stored value card incoming end; Trade company's end is the merchant electronic purse incoming end; Controller contains the funds flow management system, and fund can flow to trade company's end from client's end and charge, and also can flow to client's end from trade company's end and return; In a cover Fare Collection System, it also can be a plurality of that client's end can be one, and it also can be a plurality of that controller can be one, and trade company's end can be one, also can be a plurality of.
Electronic currency trade system involved in the present invention, Fare Collection System can design separately, can with the measurement instrument composite design, wherein composite design can be integrated design, also can be to connect by interface.
Electronic currency trade system involved in the present invention, stored value card can be transferred accounts between stored value card by Fare Collection System and be supplemented with money, can supplement with money by input recharging account in Fare Collection System, also can transfer accounts with cash, check and person by management system and supplement with money.
Electronic currency trade system involved in the present invention is withdrawn deposit to stored value card, can extract cash by management system, and check and transferring accounts also can extract cash by the exchanges data between the stored value card by charging system, check and transferring accounts.
Electronic currency trade system involved in the present invention, stored value card can design separately, also can with carry-on daily necessities composite design, wherein preferred but be not limited to composite design, wherein the object of composite design can be selected but be not limited to mobile phone, the mobile phone card, bank card, I.D., passport, driver's license, mass transit card.
Electronic currency trade system involved in the present invention, service fee can be paid by Fare Collection System, also can pay in management system; The object of paying of service fee can be electronic money payment side, can be the electronic money receipt side, can be the side of paying in cash, and also can be cash withdrawal side; The mode of paying can be that metering is paid the fees, and can be that metering is paid the fees.
Can support the International Money Transfers payment function at electronic currency trade system involved in the present invention, wherein exchange the kind of currencies that the modes of payments can select both sides to be accustomed to, with reference to the exchange rate and reference rate are operated respectively receipt and payment both sides stored value card separately by Fare Collection System in real time, also can carry out equivalent transaction by commodity-type electronic money and virtual electronic currency, wherein the commodity-type currency is preferred but be not limited to gold.
Can support the strange land payment function at electronic currency trade system involved in the present invention; Strange land payment object and extraction object can be cashes, check, and the service of transferring accounts also can be an electronic money.
Fare Collection System can be by wired and wireless communication system and management system swap data in the Fare Collection System electronic currency trade system in the electronic currency trade system, and the support stored value card is antitheft, reports the loss electronic money forwarding function and rechargeable card function; Fare Collection System can design separately, also can the communication terminal composite design, and wherein communication terminal can be selected but be not limited to landline telephone, mobile phone and computing machine; Wherein composite design can be integrated design, can be that part connects by interface, also can be all to connect by interface.
The advantage of electronic currency trade system involved in the present invention is, trade company is fit to social commercial activity, and uses conveniently as long as prepare the service that Fare Collection System can be finished charge and supplement with money for client's stored value card; System does not need network information exchange, can finish information processing fast, and operation cost is low, has alleviated trade company's burden.Electronic currency trade system involved in the present invention, most transaction can be finished by the exchanges data between the stored value card, only needing a management system to carry out stored value card manually supplements with money, can satisfy the whole electronic money trading managerial demand of system, and can realize global accessible consumption by native system.
Embodiment
Below electronic currency trade system described in the invention is carried out brief description, wherein related content does not constitute inventing the restriction of related content, and electronic currency trade system embodiment involved in the present invention is as follows:
1, buys electronic money
A, client be by the stored value card electron gain currency of Fare Collection System from electronic money service provider, simultaneously client by cash, check, automatic teller machine pay the fees, bank transfer offers electronic money terminal service provider with corresponding monetary; Wherein electronic money terminal service provider is preferred but be not limited to bank.
B, client buy electronic money by management system from electronic money provider, simultaneously client by cash, check, automatic teller machine pay the fees, bank transfer offers electronic money provider with corresponding monetary.
2, commodity transaction
A, businessman provide commodity or service, service provider adopts the keyboard input and adopts the mode of measurement instrument data input, corresponding electronic money is transferred to the stored value card of service provider by Fare Collection System from client's stored value card, increase corresponding electronic money number in the stored value card of service provider, then deduct corresponding electronic money number in client's the stored value card, this mode is fit to but is not limited to the private industry and commerce dealer.
B, businessman provide goods or service, and in measurement instrument built-in Fare Collection System and stored value card, client regularly deposits the electronic money of certain number in the personal electric wallet in the service provider stored value card, and relevant information offers measurement instrument simultaneously quantitatively provides service for the client; Wherein Fare Collection System can be placed in user side, also can be installed on service provider's end; This mode is suitable for but is not limited to the open air dispersion robotization charging item of services such as water, electricity, warm, combustion gas, phone, broadband, CATV (cable television), city bus, long-distance public transport, subway, railway, aviation, navigation.
C service provider is provided with a plurality of trade companies end and controller, but has only trade company's end.The client can pay the fees by any one trade company's end and controller, and the amount of money of paying the fees only all offers a stored value card in trade company's end.This mode is suitable for but is not limited to the big flow charging project of fixed-site that supermarket, subway, railway, aviation, navigation etc. are served.
3 extract cash
A, client can carry out the electronic money exchange with the stored value card of personal electric wallet and trade company and extract cash.
B, stored value card possessor can withdraw deposit by management system, simultaneously the electronic money of respective numbers in the personal electric wallet are removed.
4 convertible foreign exchange transaction processing modes
Fare Collection System is discerned the stored value card Currency Type that paying party and beneficiary are held automatically in the A electronic currency trade system, and increases in stored value card separately respectively and the deduction electronic money according to the real-time exchange rate or other reference rates.
In the B electronic currency trade system, stored value card can exist commodity-type currency or ideal money Stored Value district, also can set up especially with commodity-type currency or ideal money is the international stored value card of basis of business, wherein Currency Type is preferred but be not limited to the commodity-type currency, and is wherein further preferred but be not limited to gold as the commodity-type currency.When Fare Collection System is discerned paying party automatically and electronic money that beneficiary is held is different Currency Type in the electronic currency trade system, automatically changing over to commodity-type currency or virtual type currency is that valuation unit is concluded the business, and increases the electronic money that the latter reduces equivalent in both sides' stored value card.
The 5 strange land modes of payments
Payer stays local agency for electronic money trading service provider common currency or electronic money payment, this agency can be direct simultaneously, also can by management system relevant information be passed to agency in the beneficiary of electronic money trading service provider indirectly, beneficiary can extract cash by local agency, check is transferred accounts or is extracted electronic money.
6 supplement with money, report the loss with electronic money and shift
When electronic currency trade system is supported this function, the termination charge system can with management system by wired or wireless communication system exchange data information, before each transaction, the termination charge system all will verify the e-wallet information of paying party and beneficiary by management system; The user imports the number of the account and the password of stored value card in the termination charge system, after management system checking is passed through, can report the loss, and transfers accounts, and supplements the business of grade with money; Because the adding of this function will improve the operation cost of system greatly, the convenience that brings to application brings certain influence, so the present invention preferably do not support this function, uses this function but do not repel.
Claims (10)
1. the present invention relates to a kind of electronic currency trade system in financial field, by stored value card, Fare Collection System and management system are formed, and it is characterized in that: client and businessman hold stored value card; Client carries out exchanges data with the personal electric wallet by the stored value card that Fare Collection System and businessman hold, and carries out reimbursement of expense, and stored value card is supplemented with money and cash withdrawal; Businessman and client, also can carry out stored value card and supplement with money by the convertible cash of management system with stored value card.
2. electronic currency trade system according to claim 1, it is characterized in that: Fare Collection System is held by client, and trade company's end and controller are formed; Client's end is client's stored value card incoming end; Trade company's end is the merchant electronic purse incoming end; Controller contains the funds flow management system, and fund can flow to trade company's end from client's end and charge, and also can flow to client's end from trade company's end and return; In a cover Fare Collection System, it also can be a plurality of that client's end can be one, and it also can be a plurality of that controller can be one, and trade company's end can be one, also can be a plurality of.
3. electronic currency trade system according to claim 1 is characterized in that: Fare Collection System can design separately, can with the measurement instrument composite design, wherein composite design can be integrated design, also can be to connect by interface.
4. electronic currency trade system according to claim 1, it is characterized in that: stored value card can be transferred accounts between stored value card by Fare Collection System and be supplemented with money, can supplement with money by input recharging account in Fare Collection System, also can transfer accounts with cash, check and person and supplement with money by management system.
5. electronic currency trade system according to claim 1, it is characterized in that: stored value card is withdrawn deposit, can extract cash, check and transferring accounts by management system, also can extract cash by the exchanges data between the stored value card, check and transferring accounts by charging system.
6. electronic currency trade system according to claim 1, it is characterized in that: stored value card can design separately, also can with carry-on daily necessities composite design, wherein preferred but be not limited to composite design, wherein the object of composite design can be selected but be not limited to mobile phone, the mobile phone card, bank card, I.D., passport, driver's license, mass transit card.
7. electronic currency trade system according to claim 1 is characterized in that: service fee can be paid by Fare Collection System, also can pay in management system; The object of paying of service fee can be electronic money payment side, can be the electronic money receipt side, can be the side of paying in cash, and also can be cash withdrawal side; The mode of paying can be that metering is paid the fees, and can be that metering is paid the fees.
8. electronic currency trade system according to claim 1, it is characterized in that: electronic currency trade system can be supported the International Money Transfers payment function, wherein exchange the kind of currencies that the modes of payments can select both sides to be accustomed to, with reference to the exchange rate and reference rate are operated respectively receipt and payment both sides stored value card separately by Fare Collection System in real time, also can carry out equivalent transaction by commodity-type electronic money and virtual electronic currency, wherein the commodity-type currency is preferred but be not limited to gold.
9. electronic currency trade system according to claim 1 is characterized in that: electronic currency trade system can be supported the strange land payment function; Strange land payment object and extraction object can be cashes, check, and the service of transferring accounts also can be an electronic money.
10. electronic currency trade system according to claim 1, it is characterized in that: Fare Collection System can be by wired and wireless communication system and management system swap data in the electronic currency trade system, the support stored value card is antitheft, reports the loss electronic money forwarding function and rechargeable card function; Fare Collection System can design separately, also can the communication terminal composite design, and wherein communication terminal can be selected but be not limited to landline telephone, mobile phone and computing machine; Wherein composite design can be integrated design, can be that part connects by interface, also can be all to connect by interface.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910076158A CN101777222A (en) | 2009-01-12 | 2009-01-12 | Electronic currency trading system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN200910076158A CN101777222A (en) | 2009-01-12 | 2009-01-12 | Electronic currency trading system |
Publications (1)
| Publication Number | Publication Date |
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| CN101777222A true CN101777222A (en) | 2010-07-14 |
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| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN200910076158A Pending CN101777222A (en) | 2009-01-12 | 2009-01-12 | Electronic currency trading system |
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Cited By (11)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102855564A (en) * | 2012-08-27 | 2013-01-02 | 江苏乐买到网络科技有限公司 | Digital cash payment method |
| CN104657853A (en) * | 2013-11-20 | 2015-05-27 | 恩门科技股份有限公司 | Mobile communication device point exchange system and method thereof |
| CN104680362A (en) * | 2015-03-04 | 2015-06-03 | 张威 | Method of using noble metal to go shopping through communication network |
| CN105550858A (en) * | 2016-01-19 | 2016-05-04 | 李玉婉 | Payment terminal and payment method therefor |
| WO2016070803A1 (en) * | 2014-11-06 | 2016-05-12 | 朱锐泷 | Cross-border payment and clearing system and cross-border payment method based on digital currency |
| CN106605245A (en) * | 2014-12-24 | 2017-04-26 | 株式会社野村综合研究所 | Settlement system and settlement method |
| CN107230300A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of cash in kind are exchanged using digital cash chip card |
| CN107230071A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | Digital cash is converted to the method and system of cash in kind |
| CN108830573A (en) * | 2018-06-22 | 2018-11-16 | 四川华翼共享区块链科技有限公司 | Ideal money management system for civil aviaton's service payment |
| CN112990917A (en) * | 2019-12-17 | 2021-06-18 | 丰田自动车株式会社 | Wallet system, portable terminal, and recording medium |
| US11295302B2 (en) | 2014-12-17 | 2022-04-05 | International Business Machines Corporation | Network system and method for transferring cryptocurrencies between a user account and a receiving account |
-
2009
- 2009-01-12 CN CN200910076158A patent/CN101777222A/en active Pending
Cited By (13)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN102855564A (en) * | 2012-08-27 | 2013-01-02 | 江苏乐买到网络科技有限公司 | Digital cash payment method |
| CN104657853A (en) * | 2013-11-20 | 2015-05-27 | 恩门科技股份有限公司 | Mobile communication device point exchange system and method thereof |
| WO2016070803A1 (en) * | 2014-11-06 | 2016-05-12 | 朱锐泷 | Cross-border payment and clearing system and cross-border payment method based on digital currency |
| US11295302B2 (en) | 2014-12-17 | 2022-04-05 | International Business Machines Corporation | Network system and method for transferring cryptocurrencies between a user account and a receiving account |
| CN106605245A (en) * | 2014-12-24 | 2017-04-26 | 株式会社野村综合研究所 | Settlement system and settlement method |
| CN104680362A (en) * | 2015-03-04 | 2015-06-03 | 张威 | Method of using noble metal to go shopping through communication network |
| CN105550858A (en) * | 2016-01-19 | 2016-05-04 | 李玉婉 | Payment terminal and payment method therefor |
| CN107230300A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | The method and system of cash in kind are exchanged using digital cash chip card |
| CN107230300B (en) * | 2016-03-25 | 2021-07-16 | 中国人民银行数字货币研究所 | Method and system for exchanging physical cash by using digital currency chip card |
| CN107230071A (en) * | 2016-03-25 | 2017-10-03 | 中国人民银行印制科学技术研究所 | Digital cash is converted to the method and system of cash in kind |
| CN108830573A (en) * | 2018-06-22 | 2018-11-16 | 四川华翼共享区块链科技有限公司 | Ideal money management system for civil aviaton's service payment |
| CN112990917A (en) * | 2019-12-17 | 2021-06-18 | 丰田自动车株式会社 | Wallet system, portable terminal, and recording medium |
| CN112990917B (en) * | 2019-12-17 | 2024-04-26 | 丰田自动车株式会社 | Wallet system, portable terminal, and recording medium |
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Application publication date: 20100714 |