CN102332126A - International multi-currency payment system - Google Patents
International multi-currency payment system Download PDFInfo
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- CN102332126A CN102332126A CN201110205459A CN201110205459A CN102332126A CN 102332126 A CN102332126 A CN 102332126A CN 201110205459 A CN201110205459 A CN 201110205459A CN 201110205459 A CN201110205459 A CN 201110205459A CN 102332126 A CN102332126 A CN 102332126A
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Abstract
The invention discloses an international multi-currency payment system. The system comprises a foreign exchange quotation real-time updating module connected with a real-time Reuters market through a data interface, a foreign currency credit card information verification module connected with terminal equipment through the data interface, and a real-time foreign currency exchange module connected with the foreign exchange quotation real-time updating module, the foreign currency credit card information verification module and a bank clearing system respectively through data interfaces; the real-time foreign currency exchange module comprises a first multiplying unit and a second multiplying unit; one input end of the first multiplying unit is connected with the foreign exchange quotation real-time updating module; the other input end of the first multiplying unit is used for inputting an amount of RMB to be exchanged; the output end of the first multiplying unit is connected with an input end of the second multiplying unit; the other input end of the second first multiplying unit is used for inputting a factor 1.01; and the output end of the second multiplying unit is connected with the bank clearing system.
Description
Technical field
The present invention relates to the bank settlement field, particularly a kind of international Multiple Currencies payment system.
Background technology
1. have the poor stability of foreign currency payment system now; Particularly foreign currency is many pays with credit card; The swindle phenomenon especially severe of foreign currency credit card on-line payment, this invention are implemented under PCI-DSS 1 level security authentication, so significantly improved the payment safety of foreign currency credit card.
2. the exchange proportional cost of existing foreign currency payment system is higher, and the par of exchange of employing is not real-time list price, and this system adopts real-time list price.
Summary of the invention
Summary of the invention: a kind of international Multiple Currencies payment system is provided, to overcome the problem that above-mentioned prior art exists.
The technical scheme that adopts: a kind of international Multiple Currencies payment system is provided.Said international Multiple Currencies payment system comprises: the foreign currency list price real-time update module that is connected with the Reuter present quotation through data-interface; The foreign currency credit card information validating module that is connected with terminal device through data-interface; The real-time currency conversion module that is connected through data-interface with foreign currency list price real-time update module, foreign currency credit card information validating module and bank settlement system respectively; Said real-time currency conversion module comprises first multiplier and second multiplier; An input end of said first multiplier is connected with foreign currency list price real-time update module; The amount of RMB of another input end input exchange of wanting; Output terminal is connected with an input end of second multiplier, and the output terminal of another input end enter factor 1.01, the second multipliers of second multiplier is connected with the bank settlement system.
Wherein, be in series with PCI-DSS 1 level security authentication module between said foreign currency credit card information validating module and the real-time currency conversion module.
Wherein, said international Multiple Currencies payment system also comprises: multilingual display module and stored data base, and said multilingual display module is connected with terminal device, and multilingual display module is responsible for the language needs according to particular user, demonstrates the total spoken and written languages of He; The stored data base canned data comprises: the record of each payment, preservation comprise list price, the changing money amount of money is exchanged the home currency amount of money, the time, exchange the foreign currency card number that uses, exchange the home currency card number that uses.These information all can show the user whether the prompting user also becomes home currency with this kind currency exchange next time in the login, if such demand can be accelerated the speed that the user exchanges.
Useful technique effect: international Multiple Currencies payment system of the present invention has been optimized single payment Currency Type pattern.Enriched the website and can only receive Renminbi list Currency Type, the holder who lets trade company can receive a plurality of countries simultaneously pays the bill on the net.The further abundant modes of payments of carrying out financial payment based on communication network better provides convenience in payment property for the user.Convert to equivalent Renminbi in real time, reduce the risk of exchange differences afterwards.In paying flow process by mails, security of payment and reliability have effectively been guaranteed.
Description of drawings
The international Multiple Currencies payment system of Fig. 1 the present invention structural drawing.
Embodiment
Below in conjunction with accompanying drawing and embodiment the present invention is elaborated.
One, system survey: the international Multiple Currencies payment system of present embodiment can be supported the international card payment platform of Multiple Currencies, comprise surplus Renminbi, dollar, Euro, sterling, the yen etc. ten kind of currency all can be on platform direct payment; The payment system that 1 level security authentication makes up based on whole world payment industry the maximum data safety standard PCI-DSS, payment system can be supported international credit cards such as Visa, MasterCard, JCB, Nets.And support the safety verification of Visa and MasterCard, JCB, 4 kinds of international credit cards of Nets.In addition, transnational Multiple Currencies payment system also can be supported multiple mainstream speeches such as Chinese, Chinese-traditional, English, Japanese, French; And can support the Renminbi clearing, the Foreign Currency Transaction of businessman can be settled the exchange, and directly settles accounts with Renminbi.The embedded cover anti-fake system of IPS (Anti-Fraud System) of payment platform.Risk of fraud control system to the credit card in the process of exchange, especially international card.Through the swindle detecting flow process of anti-fake system is introduced payment process, can reduce the rate of fraud in the credit card trade greatly for trade company, reduce the loss that produces because of swindle.
Two, system forms (with reference to Fig. 1): said international Multiple Currencies payment system comprises: the foreign currency list price real-time update module that is connected with the Reuter present quotation through data-interface; The foreign currency credit card information validating module that is connected with terminal device through data-interface; The real-time currency conversion module that is connected through data-interface with foreign currency list price real-time update module, foreign currency credit card information validating module and bank settlement system respectively; Said real-time currency conversion module comprises first multiplier and second multiplier; An input end of said first multiplier is connected with foreign currency list price real-time update module; The amount of RMB of another input end input exchange of wanting; Output terminal is connected with an input end of second multiplier, and the output terminal of another input end enter factor 1.01, the second multipliers of second multiplier is connected with the bank settlement system.Be in series with PCI-DSS 1 level security authentication module between said foreign currency credit card information validating module and the real-time currency conversion module.Said international Multiple Currencies payment system also comprises: multilingual display module and stored data base, and said multilingual display module is connected with display end, and multilingual display module only is responsible for the language needs according to particular user, demonstrates the total spoken and written languages of He; The information of database storing comprises: the record of each payment, preservation comprise list price, the changing money amount of money is exchanged the home currency amount of money, the time, exchange the foreign currency card number that uses, exchange the home currency card number that uses.
Three, workflow:
The User login system; The required amount of RMB of supplementing with money of success back input; The foreign currency Currency Type of use is supplemented in selection with money; Demonstration supplement with money Currency Type below can show the active user the required foreign currency amount of supplementing with money of amount of RMB that will supplement with money, as supplement 658 Renminbi with money, need supplement 100 dollars with money at this.The foreign exchange quotation of the basis " Reuter's present quotation " that converts between the Currency Type in the system adds 0.01% and converts, and the market system upgraded once in per 0.5 second, prevented dollar error.
Get into the payment page, at the foreign currency credit card card type that this selection is held, the card type of system's support has " Visa, MasterCard, JCB, Nets " 4 kinds.Fill in the following information that the user holds after selecting to accomplish:
Card image: card number, holder, the term of validity, CVV2.
Cardholder information: street, city, province state, postcode, countries/, holder's phone, E-mail address, credit card issuer title, credit card issuer country.
After filling in completion, confirm payment.System can be sent to credit card with all information and examine server, the outstanding message return message.If institute's card data of filling in is correct, system returns payment and successfully points out.The user pays completion.
The foreign exchange of successful recharging, it afterwards is real-time entering on the basic account and China Merchants Bank foreign exchange settlement system carries out exchange, converts Renminbi into and is stored on the basic account.
Above content is to combine optimal technical scheme to the further explain that the present invention did, and can not assert that the practical implementation of invention only limits to these explanations.Under the present invention, the those of ordinary skill of technical field, under the prerequisite that does not break away from design of the present invention, simple deduction and replacement can also be made, all protection scope of the present invention should be regarded as.
Claims (3)
1. an international Multiple Currencies payment system is characterized in that, said international Multiple Currencies payment system comprises: the foreign currency list price real-time update module that is connected with the Reuter present quotation through data-interface; The foreign currency credit card information validating module that is connected with terminal device through data-interface; The real-time currency conversion module that is connected through data-interface with foreign currency list price real-time update module, foreign currency credit card information validating module and bank settlement system respectively; Said real-time currency conversion module comprises first multiplier and second multiplier; An input end of said first multiplier is connected with foreign currency list price real-time update module; The amount of RMB of another input end input exchange of wanting; Output terminal is connected with an input end of second multiplier, and the output terminal of another input end enter factor 1.01, the second multipliers of second multiplier is connected with the bank settlement system.
2. international Multiple Currencies payment system according to claim 1 is characterized in that, is in series with PCI-DSS 1 level security authentication module between said foreign currency credit card information validating module and the real-time currency conversion module.
3. international Multiple Currencies payment system according to claim 1 is characterized in that, said international Multiple Currencies payment system also comprises: multilingual display module and stored data base, and said multilingual display module is connected with terminal device; The stored data base canned data comprises: the record of each payment, preservation comprise list price, the changing money amount of money is exchanged the home currency amount of money, the time, exchange the foreign currency card number that uses, exchange the home currency card number that uses.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110205459A CN102332126A (en) | 2011-07-22 | 2011-07-22 | International multi-currency payment system |
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| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201110205459A CN102332126A (en) | 2011-07-22 | 2011-07-22 | International multi-currency payment system |
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| CN102332126A true CN102332126A (en) | 2012-01-25 |
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| CN201110205459A Pending CN102332126A (en) | 2011-07-22 | 2011-07-22 | International multi-currency payment system |
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Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106327329A (en) * | 2016-08-11 | 2017-01-11 | 佛山市广华合志科技有限公司 | ESL multi-currency dynamic price marking method and system |
| CN106803177A (en) * | 2017-01-17 | 2017-06-06 | 世纪禾光科技发展（北京）有限公司 | For the Multiple Currencies method of payment and device of e-commerce platform |
| CN106934610A (en) * | 2017-03-06 | 2017-07-07 | 世纪禾光科技发展（北京）有限公司 | Solve the method and system of the virtual account gathering difference of foreign trade electric business platform bank |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
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| CN1452359A (en) * | 2002-04-17 | 2003-10-29 | 张逶 | E-mail monitoring charging system |
| CN101639956A (en) * | 2008-07-28 | 2010-02-03 | 上海憬彤电子科技有限公司 | Method and systems for multi-currency real-time exchange by using credit card |
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2011
- 2011-07-22 CN CN201110205459A patent/CN102332126A/en active Pending
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1452359A (en) * | 2002-04-17 | 2003-10-29 | 张逶 | E-mail monitoring charging system |
| CN101639956A (en) * | 2008-07-28 | 2010-02-03 | 上海憬彤电子科技有限公司 | Method and systems for multi-currency real-time exchange by using credit card |
Cited By (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN106327329A (en) * | 2016-08-11 | 2017-01-11 | 佛山市广华合志科技有限公司 | ESL multi-currency dynamic price marking method and system |
| CN106803177A (en) * | 2017-01-17 | 2017-06-06 | 世纪禾光科技发展（北京）有限公司 | For the Multiple Currencies method of payment and device of e-commerce platform |
| CN106934610A (en) * | 2017-03-06 | 2017-07-07 | 世纪禾光科技发展（北京）有限公司 | Solve the method and system of the virtual account gathering difference of foreign trade electric business platform bank |
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Application publication date: 20120125 |