CN102855564A

CN102855564A - Digital cash payment method

Info

Publication number: CN102855564A
Application number: CN2012103061741A
Authority: CN
Inventors: 宗竞
Original assignee: JIANGSU LEMAIDAO NETWORK TECHNOLOGY Co Ltd
Current assignee: JIANGSU LEMAIDAO NETWORK TECHNOLOGY Co Ltd
Priority date: 2012-08-27
Filing date: 2012-08-27
Publication date: 2013-01-02

Abstract

The invention relates to a digital cash payment method which is applied to an online transaction system. The method comprises the following steps: applying for exchanging electronic money with cash or bank deposit from an issuing mechanism by a client; inputting equal amount electronic money to a computer or an intelligent card of the client by the issuing mechanism; shopping through Internet and selecting goods by the client; transferring the electronic money of the client to an electronic wallet of a merchant through a special financial network; and organizing to deliver after the merchant receives the payment for goods, thereby finishing the transaction. The digital cash payment method is similar to the method of using entity cash, but the method has the advantages of convenience, safety and excellent anonymity.

Description

A kind of digital cash method of payment

Technical field

The invention belongs to online payment technical field in the ecommerce, relate to a kind of digital cash method of payment.

Background technology

In recent years, e-commerce development is more and more faster, becomes gradually the main trend of internet economy development, and shopping online and payment become a kind of easily life style gradually.The E-commerce and traditional commerce activity is compared, and has the reduction cost, saves tranaction costs; Adapt to global market, traversing space-time; And can utilize multimedia means and the characteristics such as provide personalized service, these advantages have promoted the fast development of ecommerce.

The core of ecommerce is the payment in the business activity, and the modes of payments can adopt online E-Payment, also can adopt the conventional payment mode " internet trade, clearing off the net " of off-line, as adopt the modes such as postal service, fax.Tradition pay in cash have scarcity, the characteristics such as acceptability, off-line processing, anonymity and antifalsification.People are familiar to the conventional payment mode, sensation safety, but conventional payment mode inefficiency makes ecommerce lose efficiently characteristics.Therefore, using online E-Payment the by mails is the key factor that ecommerce is led to success.

Therefore, provide a kind of digital cash method of payment, both possessed the advantage that tradition is paid in cash and possessed, can satisfy again the modes of payments of people to requiring fast, easily.

Summary of the invention

The invention provides a kind of digital cash method of payment, can be used for online transaction system, the method comprising the steps of:

The first step, the client exchanges cash or cash in banks for electronic money to issuer's application;

Second step, issuer is input to the electronic money of single-candidate in client's the computing machine;

In the 3rd step, the client does shopping by the Internel net, selected commodity;

In the 4th step, client's electronic money is transferred in the stored value card of businessman by financial private;

In the 5th step, payment for goods is received by businessman, and transaction is finished in the tissue delivery.

Wherein, issuer also can be input to the electronic money of single-candidate in the smart card.

Wherein, before the tissue delivery, also comprise businessman is carried out the on line operation checking by financial private and issuer's line in the 5th step, confirm the true and false of this electronic money.

Wherein, finish transaction after, businessman can convert to the entity currency of single-candidate with electronic money by issuer, deposits in the bank account of oneself.

Wherein, the 4th the step described stored value card select Mondex smart card type cash system.

The use of the method and entity cash is quite similar, but faster, and safety possesses good anonymity.

Description of drawings

Fig. 1 is the basic model of digital cash online payment of the present invention.

Fig. 2 is Mondex payment system structural drawing of the present invention.

Embodiment

In whole Electronic Cash Payments System, the circulation of electronic cash issuer control electronic money, issuer carries out the distribution of electronic cash under the strict control of Central Bank.Issuer provides equivalent electronic cash according to user's savings to the user, and guarantees the antifalsification of electronic cash.The user holds electronic cash and carries out daily payment, shopping online and other people's payment activities.

With reference to figure 1, wherein show the basic model of digital cash online payment of the present invention.This model comprises line module 11 and businessman's module 12.The user in cash or cash in banks exchange electronic money to issuer application, in the computing machine or smart card of issuer with the currency input user of the equal amount of money.

The input computing machine namely adopts the form of hard disc data file, be stored in digitized digital block in the hard disk as a kind of data file, having can be by the characteristic of complete copy, the any individual or entity outside the legal issuer adopts the cryptographic technique of reinforcement or scarcity and the antifalsification that other safety practices keep electronic cash, so that can not make or copy this digital information file.

Preferably, electronic money also can adopt the digital cash of IC-card form, the remaining sum that gathers of monetary value is stored in the intellective IC card, counter with smart card monetization value, or IC-card is seen the account of the idle money balance of noting down, when from blocking interior amount paid or when depositing amount of currency in, rewriting the record remaining sum in the smart card in the card.

This model also comprises client bank of deposit module 13 and bank of deposit of businessman module 14, be used for changing client's cash in banks over to the issuer account by financial private 15, perhaps receive by issuer and by financial private payment for goods is transferred in the stored value card of businessman, and be exchanged into tradition and deposit bank of deposit of businessman in.

If electronic cash adopts the hard disc data file type, businessman carries out the on line operation checking by financial private and issuer's line; If the smart card type electronic cash is by stored value card checking, the intervention that can break away from bank fully.After checking finished, businessman delivered to customer organization.

Issuer verifies and regains electronic cash again, transfers in the bank account of businessman in the bank account of currency by oneself with single-candidate simultaneously.

Stored value card is a kind of means of payment commonly used in the ecommerce shopping activity, becomes it to be suitable for the small amount shopping.The electronic money of depositing in stored value card is such as electronic cash, electronics change, e-credit etc.The shopping of use stored value card.Usually need in the stored value card service system, carry out.The software of stored value card all provides free usually in the e-commerce initiative.VISA Cash and Mondex two large stored value card service systems are arranged at present in the world, and other stored value card service systems also have the Clip of Mastercard Cash, Europay and Belgian Proton etc.

Preferably, the present invention selects Mondex smart card type electronic cash system.In this system, in intelligent card chip, be written in advance value of money, then can consume in retail level.Utilize microprocessor and storer in the chip, card itself can be carried out the payment control program and chip chamber gets host-host protocol, thereby realizes the transfer payment of value of money from a Mondex chip to another chip.Its system architecture as shown in Figure 2.

1, the client exchanges the Mondex electronic cash with the cash in banks application, and the distribution row is accepted backward client's granting and is loaded with the smart card of single-candidate value of money or fills the single-candidate value of money in its smart card.This process can be utilized Mondex ATM or special-purpose networked devices terminal, and engages in the dialogue with the agreement between card.

2, can hold bank account in own bank of deposit of holder is deposited and is withdrawn the money, and this disappears that is long the account amount of money and Igor Kanygin volume.

3, the holder can hold to businessman's payment payment for goods, and businessman utilizes the equipment of " value of money transfer terminal " to set up with holder's Mondex card and communicates by letter, and causes the transfer of value of money.Get involved without bank fully therebetween, by the read-write equipment of the Mondex card true and false of test card voluntarily.

4, the holder can hold and carry out the transfer of value of money with another holder, finishes transfer by this equipment of Mondex wallet.If off the net, the payer can insert card in the wallet, the value of money that blocks interior certain number is moved in the memory chip of stored value card, and then insert the Mondex card of oneself by the payee, and the value of money of preserving in the stored value card is moved in the card of oneself again.If online payment then by the card reader of both sides' special use, is directly set up communication between both sides' card, the value of money of the certain number in payer's card is transferred in payee's the card.

And receive either party of Mondex electronic cash, and comprise holder's bank of deposit, businessman and other people, and holder oneself, can exchange remaining sum in the Mondex card to the credit card issuer request, electronic cash is exchanged into again traditional entity cash.

The Mondex system has good anonymity, and off-line operation is very approximate with the use of entity cash.Perfect along with smart card techniques, its security, antifalsification and multifunctionality all can improve constantly, and are very favourable for the payment in the ecommerce.

Here description of the invention and application all is illustrative and schematic, is not to be to want with scope restriction of the present invention in the above-described embodiments.Here the distortion of disclosed embodiment and change is fully possible, and for those those of ordinary skill in the art, the various parts of the replacement of embodiment and equivalence all are known.Those skilled in the art also are noted that, in the situation that does not break away from spirit of the present invention or essential characteristic, the present invention can be with other form, structure, layout, ratio, and realize with other assembly, material and parts, and in the situation that does not break away from the scope of the invention and spirit, can carry out other distortion and change to disclosed embodiment here.

Claims

1. a digital cash method of payment can be used for online transaction system, and the method comprising the steps of:

2. digital cash method of payment as claimed in claim 1, wherein, issuer also can be input to the electronic money of single-candidate in the smart card.

3. digital cash method of payment as claimed in claim 1 or 2, wherein:

Before the tissue delivery, also comprise businessman is carried out the on line operation checking by financial private and issuer's line in the 5th step, confirm the true and false of this electronic money.

4. such as each digital cash method of payment among the claim 1-3, wherein, finish transaction after, businessman can convert to the entity currency of single-candidate with electronic money by issuer, deposits in the bank account of oneself.

5. such as each described digital cash method of payment among the claim 1-3, wherein, the 4th step, described stored value card was selected Mondex smart card type cash system.