CN103077454A

CN103077454A - Synchronous payment system

Info

Publication number: CN103077454A
Application number: CN2012104795973A
Authority: CN
Inventors: 雷桂斌; 王淑青
Original assignee: Individual
Current assignee: Individual
Priority date: 2012-11-23
Filing date: 2012-11-23
Publication date: 2013-05-01
Also published as: WO2014079330A1

Abstract

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

Description

Synchronous payment system

Technical field

The present invention relates to on-line payment technical field in the financial business, especially network commodity transaction on-line payment system and method.

Background technology

At present, commodity transaction is divided into four classes according to space-time characteristics: the same transaction of space-time, and the cash stock is such as buying clothes in the market; The time separate trading, the time of transaction is long, such as the dealing house, sees room, deposit, down payment, provides a loan, handles property ownership certificate, and the buyer obtains property ownership certificate, closing the transaction; The space separate trading, dealing commodity in same asynchronism(-nization) space are such as buying virtual product at network; The space-time separate trading, different time, different spaces dealing commodity are such as network group buying, international trade.

The letter of credit, bank guarantee, pay to, the clearing form such as collection, Fund Supervision and third party's payment to a certain degree solved the problem that the other side's sincerity is worried mutually by space-time separate trading both parties.The letter of credit, bank guarantee, pay to, collection, Fund Supervision be that financial company is professional, risk is less, deficiency is that formality is numerous and diverse, handles the cost height, both parties can not finish by computer system is self-service.Third party's payment is non-financial business; business risk, technical risk that the third party pays enterprise itself may pass to both parties; fund precipitation, non-financial business lack strict supervision; depend on Internet-based banking services; cost is higher; third party's payment will combine and could realize with specific e-commerce platform the protection of payment, leaves specific business platform and can not protect payment, and many deficiencies are difficult to thoroughly overcome.

In addition, along with the development of information society, industrial and commercial, the online court of network police (network investigation section of public security bureau), network from the rudiment to the development to maturation, for network commodity exchange provides the social base that is more suitable for condition.

Therefore, the problem of the other side's sincerity is worried mutually by space-time separate trading both parties, a problem of the problem of the security of namely on-line payment, it is a problem in the urgent need to address, it is the development that adapts to global economic integration and computer technology, promote the commodity transaction mode develop rapidly, protect the key point that increases.

Summary of the invention

One object of the present invention is to provide a kind of synchronous payment system, worries mutually the problem of the other side's sincerity to solve space-time separate trading both parties, reduces the commodity transaction dispute, reduces costs of commodity circulation, increases financial company's income.

Another object of the present invention is to provide a kind of method of synchronous payment system, worry mutually the problem of the other side's sincerity to solve space-time separate trading both parties, reduce the commodity transaction dispute, reduce costs of commodity circulation, increase financial company's income.

For achieving the above object, the invention provides a kind of synchronous payment system, comprise buyer's computing machine, seller's computer system, the synchronous payment system of buyer bank, the synchronous payment system of selling bank, secure communication network.

Buyer's terminal: select commodity by the internet, be used for buyer and seller and link up, form contract or the order of commodity transaction, form secure network with buyer bank synchronous payment system and is connected, login the synchronous payment system of bank and finish payment.After the buyer received qualified goods, the buyer gave the seller or login buyer bank synchronous payment system with buyer's password and pays and wait to pay coin to the seller; After the seller received the return of goods, the seller returned the buyer with seller's password, and the buyer returns due-in coin or the seller with the synchronous payment system of seller's password login buyer bank and logins the synchronous payment system of selling bank and return due-in coin to the buyer.Described buyer's terminal is microcomputer, notebook computer, embedded computer, panel computer, smart mobile phone, ATM(ATM (Automatic Teller Machine)), one of POS machine.

Seller's computer system: commodity and the service of showing, selling oneself by the internet, with buyer's terminal reciprocation, agreed trade contract is gone into order, consist of secure network with the synchronous payment system of selling bank and be connected, the synchronous payment system of login selling bank is finished gathering or reimbursement.After the seller sends goods, revise the delivery state of waiting to pay coin with the delivery state password.After the buyer received qualified goods, the seller received buyer's password that the buyer provides, and the seller logins the synchronous payment system of buyer bank with buyer's password by the gathering of the synchronous payment system of selling bank or the buyer and pays and wait to pay coin to the seller; After the seller received the return of goods, the seller gave the buyer with seller's password, or the synchronous payment system of login selling bank is return due-in coin to the buyer; The buyer is ready to accept goods defective, consults the allowance ratio with the seller, and the seller revises the weights of waiting to pay coin with the weights password, realizes partial payment.Described seller's computer system is microcomputer, microcomputer server, notebook computer, embedded computer, panel computer, smart mobile phone, ATM(ATM (Automatic Teller Machine)) and many LAN (Local Area Network) systems that computing machine consists of by network access device.

The synchronous payment system of buyer bank: form secure network with buyer's terminal, the synchronous payment system of selling bank and be connected, comprise data storage device and data processing equipment.

Data storage device is used for the storage buyer open an account information and Transaction Information, comprising: the information memory cell of opening an account, accounts information storage unit, sequence information storage unit, log-on message storage unit, payment process information memory cell, payoff matrix storage unit, value-added service information memory cell etc.

Data processing equipment is processed delivery operation, comprising: Main Processor Unit, the authenticated client processing unit, the processing unit of accepting an order, order filing processing unit, the order query unit, cryptography processing units, the secure communication unit, the savings account operating unit, the funds transfer unit, the replacement password unit, the buyer paid processing unit, automatic reimbursement unit, delivery state is revised the unit, power of amendment value cell, bank collects the commission unit, the seller unit of collecting money, buyer's processing unit of paying the bill, seller's reimbursement processing unit, the buyer reclaims the fund unit, the passive automatic Payment Unit of the buyer, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, the value-added service unit.

Wherein, authenticated client processing unit response buyer user authenticates, logins synchronous payment system, the processing unit of accepting an order is capable to become order, the operation of buyer paid processing unit processes buyer paid produces in the synchronous payment system of buyer bank and waits to pay coin, buyer's password, due-in coin, seller's password, weights password, state password, forces password.Wait to pay coin and charge to buyer's account, encrypt and send buyer's password to the buyer; The synchronous payment system of buyer bank is paid the seller by the synchronous payment system of selling bank with due-in coin, encrypts to send seller's password, weights password, state password to the seller.Seller's request that the synchronous payment system of the cell processing seller by selling bank waits to pay coin with buyer's code extraction of collecting money, or buyer's processing unit processes buyer paid of paying the bill waits to pay the request of coin to the seller; The funds transfer cell response seller is with treating that pair coin and due-in coin extract the request that cash deposits seller's account in; Seller's reimbursement processing unit receives the due-in coin that the seller returns, and the buyer reclaims the fund unit and receives the buyer with the request of the due-in coin of seller's code extraction, returns due-in coin from the synchronous payment system of selling bank; The funds transfer cell response buyer is with treating that pair coin and due-in coin extract the request that cash deposits buyer's account in; Force processing unit to carry out the L. A. payment by law court.

The synchronous payment system of described buyer bank is, supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation and terminal, and many LAN (Local Area Network) systems that computing machine consists of by network access devices such as switch, router, modulator-demodular units.

Described buyer's bank data memory storage: for the information of opening an account of storing the client, accounts information, sequence information, log-on message, payment process information, payoff matrix, value-added service information etc.Client's value-added service information subdivision is: business reputation information, mediation service information, proof information on services.

The information memory cell of opening an account: storage open an account certificate, reserve seal, the information such as handwriting signature, cell-phone number, E-mail address.

Accounts information storage unit: the information such as storage savings account number, name in an account book, cabinet face password, Internet-based banking services password, Currency Type, remaining sum.

Sequence information storage unit: ongoing Pay Bill information, the trade contract of binding.

Log-on message storage unit: the time that logs in, number of times, the unsuccessful information such as log in.

The payment process information memory cell: the transient state process of a certain step operation, the data that produce in the middle of finishing are arrived in a certain step operation beginning.

Payoff matrix storage unit: the buyer: the savings account, synchronously the payment system account, wait to pay a coin amount of money, wait to pay a coin pay status variable, buyer's password, payment weights; The seller: savings account, synchronous payment system account, the due-in coin amount of money, due-in coin pay status variable, seller's password, delivery state password, weights password; Buyer bank: the trade contract of binding number, force password, lawsuit state variable.

Wait to pay coin: a kind of ideal money, the buyer has determined to pay the currency of seller's destiny account, can not be used as other purposes again, and restriction is mobile.Wait to pay coin and figure interest into buyer's account, can not withdraw deposit non-negotiable.For the buyer can view the existence of waiting to pay coin at any time, show at buyer's savings account, and conveniently realize waiting paying a coin at existing bank system of web and write buyer's savings account, it virtual be a kind of xenocurrency, and this foreign country objectively is non-existent.

Due-in coin: a kind of ideal money, for the seller be sure of the buyer with synchronous payment system payment, at the amount of money that seller's savings account records, due-in coin does not have interest, can not withdraw deposit non-negotiable.Realize that at existing bank system of web due-in coin writes seller's savings account for convenient.It virtual be a kind of other xenocurrency, and this foreign country objectively is non-existent.

Wait to pay coin pay status variable:

0 attitude: guard mode, fund have been specified and will have been paid certain account.

1 attitude: initiatively pay attitude, the buyer has the power of amendment, and 5 or 6 attitudes are waited to pay coin and flowed to the seller to 1 attitude.

2 attitudes: passive payment attitude, the seller revises with buyer's password by the synchronous payment system of selling bank, and 5 or 6 attitudes are waited to pay coin and are flowed to selling bank to 2 attitudes, are complex as cash through virtual coin and flow to seller's account again.

3 attitudes: execute attitude, buyer bank revises with executing password, and 4 attitudes are to 3 attitudes, and Capital Flow flows by law court's execution L. A. or the police wind up the case, and the L. A. content flows.

4 attitudes: entered the lawsuit state, 5 or 6 enter 4 attitudes.

5 attitudes: the delivery attitude, the seller revises with the delivery state password.

6 attitudes: the weights attitude, the seller revises weights with the weights password.

Due-in coin pay status variable:

0 attitude: guard mode

1 attitude: active reimbursement attitude, the seller has the power of amendment, and 0 attitude is to 1 attitude, and due-in coin flows to the buyer.

2 attitudes: passive reimbursement attitude, the buyer revises with seller's password, and 0 attitude is to 1 attitude, and due-in coin flows to the buyer.

3 attitudes: execute attitude, buyer bank revises with executing password, and 0 attitude is to 3 attitudes, and Capital Flow flows by law court's execution L. A. or the police wind up the case, and the L. A. content flows.

4 attitudes: entered the lawsuit state, 0 attitude is to 4 attitudes, pays lockedly, and next step changes 3 attitudes over to.

Buyer's password: the authorization code of a group encryption, the buyer controls the means of payment process, and the result that commodity transaction obtains oneself expectation just will treat that the control of pair coin gives the seller, namely finish payment.

Seller's password: the authorization code of a group encryption, the seller controls the means of payment process, controls due-in coin and flows back to the buyer, and the buyer can not be used for other purposes with the fund of control, unless former state is returned goods.

The weights password: the authorization code of a group encryption, the time separates in the commodity transaction, and the cost of actual delivery has change for various reasons, revises the weights password and reflects this change.Such as, the buyer receives that goods has flaw, and the buyer agrees to use goods, the seller agrees to reduce price, revises the weights password, gets the numerical value less than or equal to 1, and the payment for goods that the seller receives is that due-in coin multiply by the payment weights.Or fully owing to buyer's reason, return goods and cause certain loss to the seller, the buyer bears a loss and pays seller's certain proportion cost.Solve the problem of partial payment.

The state password: the authorization code of a group encryption, revise the password of waiting to pay the coin delivery state, the not automatic reimbursement of delivery system is simplified the seller and is not delivered, and again not reimbursement needs the workload of manual intervention.

Force password: the authorization code of a group encryption, commodity transaction are absorbed in judicial dispute, solve court decision and carry out difficult problem.Bank carries out the licencing key that the definite payment content of L. A. is carried out payment by law court.Bank holds the pressure password of bound transaction contract number, only has the bank clerk of mandate can use the pressure password.Payer that force password can change due-in coin, to treat pair coin to, also can revise weights password, payment in part.

The value-added service information memory cell comprises: the sub-storage unit of business reputation information on services: store historical transactional information successfully, failed.The cognition of buyer's commodity in use or service.The sub-storage unit of mediation service information: both parties' dispute information and suggestion disposal route and result.Put to the proof the sub-storage unit of information on services: the contract of the relevant order of storage payment, prepare against when needing and use.

Buyer's bank data treating apparatus comprises:

Main Processor Unit: be used for other functional unit of calling data treating apparatus, realize the payment function of synchronous payment system.

Authenticated client processing unit: the client is authenticated, authentication result is returned to Main Processor Unit.

The savings account operating unit: operation is taken in or paid to savings account, and the result returns to Main Processor Unit.

The processing unit of accepting an order: receive the request that the client pays request synchronously, create pay invoice, generate payoff matrix,, Main Processor Unit calls the savings account operating unit, pays payment in buyer's Multiple Currencies savings account remaining sum, cash is virtual for waiting to pay coin, due-in coin, result virtual coin: wait to pay coin, due-in coin, password: buyer's password, seller's password, weights password, state password, pressure password return to Main Processor Unit.

Order filing processing unit: after order is finished, spent the certain time-delay phase, sequence information is filed.

Order query unit: be used for the current sequence information of inquiry client, query history sequence information in archives.Query Result is returned to Main Processor Unit.

Cryptography processing units: to sending content, according to the requirement of content to Cipher Strength, select different cryptographic algorithm, make a choice between safety and efficient, be decrypted and compare receiving content, the result returns to Main Processor Unit.

Secure communication unit: call cryptography processing units during transmission content is encrypted, set up dedicated Internet access with communication counterpart or VPN (virtual private network) is connected, guarantee the safety of communication, call cryptography processing units during reception content is decrypted that the result returns to Main Processor Unit.

Funds transfer unit: carry out the operation that interbank virtual coin or cash change over to, produce, detecting the buyer has simultaneously and waits to pay a coin, due-in coin, automatically virtual treat a pair coin, due-in coin are complex as cash, call the savings account operating unit and deposit cash in buyer's account.Detect the seller and have simultaneously and wait to pay a coin, due-in coin, receive treat a pair coin, the due-in coin that the seller will be virtual and be complex as the request of cash, and change cash over to selling bank synchronous payment system seller's account, the result returns to Main Processor Unit.

The replacement password unit: certain side who participates in business loses password, and buyer's login system regenerates distributes buyer's password, seller's password, weights password, state password, pressure password.

The buyer paid processing unit: Main Processor Unit calls the processing unit of accepting an order, return and wait to pay coin, due-in coin, buyer's password, seller's password, weights password, state password, force password, Main Processor Unit calls the savings account operating unit, in the buyer's Multiple Currencies buyer savings account, deposit in and wait to pay the coin amount of money, Main Processor Unit calls ciphering unit and encrypts, then the secure communication processing unit sends to the buyer with buyer's password by binding mobile phone or binding mailbox, and bank clerk haves no right to check buyer's password.Main Processor Unit calling communication processing unit sends to the synchronous payment system of selling bank with due-in coin, seller's password, weights password, state password.Accept the synchronous payment system return results of selling bank, at last the result is returned to Main Processor Unit.The buyer paid processing unit writes payoff matrix with all operations result.

Automatic reimbursement unit: after the buyer paid processing unit operation is finished, start timer, reach threshold values, detect the delivery state in the payoff matrix, the seller is non-shipment, Main Processor Unit calls the secure communication unit and will close the transaction prompting to the synchronous payment system transmission of selling bank, when having notified the seller Deng the synchronous payment system answer of selling bank, the synchronous payment system of selling bank is return the synchronous payment system of selling bank with due-in coin, Main Processor Unit calls the savings account operating unit and removes and wait to pay a coin, call the funds transfer unit and pay coin with virtual waiting, due-in coin is complex as cash, deposits fund in buyer's account, finishes automatic reimbursement.

Delivery state is revised the unit: revise the delivery state in the payoff matrix, close automatic cash refund slip meta function.

Power of amendment value cell: the due-in coin of part that Main Processor Unit calls the modification weights password of the synchronous payment system transmission of secure communication unit reception selling bank, new weights and returns, after being proved to be successful, rewrite the weights in the payoff matrix, call the due-in coin of part virtual coin that to return the funds transfer unit and treat that accordingly a pair coin is complex as cash, calls the savings account operating unit and deposit cash in buyer's account.Main Processor Unit calls the modification weights success that the secure communication unit sends to the synchronous payment system of selling bank.Main Processor Unit calls the secure communication unit and sends the information of having revised weights to buyer's mobile phone.

Commission discount unit: in the scope of laws and regulations license, formulate higher commission rate, to consuming the few high-quality user of synchronous payment system resource, preferential commission.

Bank collects the commission unit: by the different commission of different order classification collectings, deduct from reality success pay invoice, buyer bank and selling bank be split commission by a certain percentage.

The seller unit of collecting money: Main Processor Unit calls the secure communication unit and receives buyer's password, after being proved to be successful, calling the funds transfer unit will wait to pay a coin and pay selling bank synchronous payment system, the synchronous payment system of selling bank is with waiting to pay coin and due-in coin and buyer bank synchronous payment system clearing, Main Processor Unit calls the savings account operating unit and removes and wait to pay a coin, the funds transfer unit is with due-in coin and treat that accordingly a pair coin is complex as cash, simultaneously Main Processor Unit calls bank and collects the commission unit and deduct a commission by amount payable, the synchronous payment system Main Processor Unit of buyer bank calls the funds transfer unit with the synchronous payment system seller's account of inward cash remittance selling bank, Main Processor Unit calls the secure communication unit and waits for the selling bank answer, receive the message that payment is successful, Main Processor Unit is rewritten payoff matrix, and payment process finishes.

Buyer's processing unit of paying the bill: after the buyer logins successfully, send to pay and wait to pay the coin instruction, Main Processor Unit calls the funds transfer unit and will wait to pay a coin and pay selling bank synchronous payment system, the synchronous payment system of selling bank is with waiting to pay coin and due-in coin and buyer bank synchronous payment system clearing, Main Processor Unit calls the savings account operating unit and removes and wait to pay a coin, the funds transfer unit is with due-in coin and treat that accordingly a pair coin is complex as cash, simultaneously Main Processor Unit calls bank and collects the commission unit and take off commission by amount payable, the synchronous payment system Main Processor Unit of buyer bank calls the funds transfer unit fund is imported the synchronous payment system seller's account of selling bank, Main Processor Unit calls the secure communication unit and waits for the selling bank answer, receive the message that payment is successful, Main Processor Unit is rewritten payoff matrix, and payment process finishes.

Seller's reimbursement processing unit: Main Processor Unit calls the secure communication unit and receives due-in coin, Main Processor Unit calls in the savings account operating unit removing savings account and waits to pay a coin, the funds transfer unit is simultaneously with due-in coin with wait accordingly to pay a coin and be complex as cash, the fund of the amount of money such as deposits in buyer's savings account in.

The buyer reclaims the fund unit: Main Processor Unit calls the secure communication unit and sends seller's password, wait for the synchronous payment system result of the seller, Main Processor Unit calls the secure communication unit and receives due-in coin, call in the savings account operating unit removing savings account and wait to pay a coin, the funds transfer unit is with due-in coin and wait accordingly to pay a coin and be complex as cash, the fund of the amount of money such as deposits simultaneously in buyer's savings account in.

People at highest risk's query unit: inquiry public security system network, judge client whether illegal people at highest risk, criminal case people at highest risk, deposit the result in the accounts information storage unit, illegal people at highest risk, criminal case people at highest risk are classified as payment dispute people at highest risk, show with the business reputation grade whether both parties pay dispute people at highest risk and classification thereof, people at highest risk's transaction is not suitable for automatically payment and automatically reimbursement.

The passive automatic Payment Unit of the buyer: for the order of the amount of money greater than the numerical value that limits, the seller sends the notice of a call by synchronous payment system to the buyer, and the buyer does not do any answer and payment, can not automatically pay the bill, and solves the payment deadlock by judicial approach.The passive automatic payment of the synchronous payment system of buyer bank, the synchronous payment system of buyer bank receives the seller apply for automatically payment after, Main Processor Unit calls query unit inquiry both parties business reputation grade, judge whether to satisfy Automatic Payment Request, whether judge the order amount of money less than the numerical value that limits, the judgement seller provides the buyer to sign for the logistics document, reserves handwriting signature with the buyer and compares, person's handwriting is proved to be successful, and judges and crosses the payment time delay.Above condition all becomes erection system automatically to pay the bill.Also can, during pay invoice, whether inquiry agrees to use this function under the buyer.

Application lawsuit unit: the seller and the buyer consult failure, and wherein a side determines to enter lawsuit, rewrite the lawsuit state variable of payoff matrix, close automatic payment function, and pay invoice is locked, can only force processing unit to untie the payment deadlock.

Force processing unit: buyer's bank authorization personnel typing law court carries out L. A., forces password, password is forced in the Main Processor Unit checking, after the success, call power of amendment value cell and revise weights, call the funds transfer unit and transfer fund, remove simultaneously due-in coin, wait to pay coin, the transaction situation is charged to business reputation service subelement, close the trade.

Ask artificial service unit: send message or form actual conversation to the contact staff.

System help unit: obtain system's operation instruction, collect the user to the improved suggestion of system.

The value-added service unit comprises: business reputation service subelement: record historical transactional information successfully, failed.For afterwards the seller gets rid of the malice buyer, give a clue.The cognition of buyer's commodity in use or service.The mediation service subelement: Main Processor Unit call request manual service unit receives user's request and statement, and bank client service recommendations disposal route and result are returned Main Processor Unit.The disposal route of both parties' dispute information and bank client service recommendations and result's record are such as the customer goodwill subelement.Put to the proof the information on services subelement: record the contract of the relevant order of payment, the record buyer signs for document, and the record buyer signs for the video monitoring sectional drawing, prepares against when needing and uses.

The synchronous payment system of selling bank: form secure network with buyer bank synchronous payment system, seller's computer system and be connected, comprise data storage device and data processing equipment.

The data storage device stores seller open an account information and Transaction Information comprise: the information memory cell of opening an account, accounts information storage unit, sequence information storage unit, log-on message storage unit, payment process information memory cell, payoff matrix storage unit, value-added service information memory cell.

Data processing equipment is processed payment, comprising: Main Processor Unit, the authenticated client processing unit, the processing unit of accepting an order, query unit, the order query unit, cryptography processing units, the secure communication unit, the savings account operating unit, the funds transfer unit, the payment processes unit, automatic reimbursement unit, power of amendment value cell, buyer's processing unit of paying the bill, the seller unit of collecting money, commission is shared the unit, seller's reimbursement processing unit, the buyer reclaims the fund unit, commission discount unit, people at highest risk's query unit, the seller applies for automatic Payment Unit, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, value-added service unit (business reputation service subelement, the mediation service subelement, the advertising service subelement, the authentication service subelement, put to the proof the information on services subelement).

Wherein, authenticated client processing unit processes seller user authenticates, logins synchronous payment system; The payment processes unit receives, processes due-in coin, and due-in coin is counted seller's account, encrypts relationship trading information such as transmitting seller's password, weights password, state password to the seller; The buyer's collect money unit and synchronous payment system of buyer bank of processing unit, the seller of paying the bill is mutual, accepts to wait to pay a coin, and the funds transfer cell processing seller is with waiting to pay coin and due-in coin extracts the request that cash deposits seller's account in; Seller's reimbursement processing unit processes seller returns due-in coin to the buyer, and the buyer reclaims the fund unit and pays due-in coin to the buyer with seller's password; Force processing unit to carry out the L. A. payment by law court.

The synchronous payment system of described selling bank is, supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation and terminal, and computing machine is by the LAN (Local Area Network) system of the network access devices such as switch, router, modulator-demodular unit formation.

Described selling bank data storage device: be used for storage client's the information of opening an account, log-on message, client's accounts information, sequence information, payment process information, payoff matrix, value-added service information etc.Client's value-added service information comprises: business reputation information on services, mediation service information, advertising service information, authentication service information, proof information on services.

The information memory cell of opening an account: storage open an account certificate, reserve seal, the information such as handwriting signature, binding cell-phone number, binding E-mail address.

The accounts information storage unit: storage account, name in an account book, cabinet face password, Internet-based banking services password, Currency Type, remaining sum, whether illegal people at highest risk, whether the criminal case people at highest risk, whether pay the business reputation class information such as dispute people at highest risk.

Sequence information storage unit: store ongoing Pay Bill information, the trade contract of binding.

Log-on message storage unit: the time, number of times that storage logs in, the unsuccessful information such as log in.

The payment process information memory cell: store the transient state process of a certain step operation, the data that produce in the middle of finishing are arrived in a certain step operation beginning.

Payoff matrix storage unit: the buyer: the savings account, synchronously the payment system account, wait to pay a coin amount of money, wait to pay a coin pay status variable, the payment weights; The seller: savings account, synchronous payment system account, the due-in coin amount of money, due-in coin pay status variable, seller's password, cargo state password, weights password; Buyer bank: the trade contract of binding number, lawsuit state variable.

Wait to pay coin: a kind of virtual coin, the buyer has determined to pay the currency of seller's destiny account, can not be used as other purposes again, and restriction is mobile.Wait to pay coin and figure interest into buyer's account, can not withdraw deposit non-negotiable.For the buyer can view the existence of waiting to pay coin at any time, show at buyer's savings account, and conveniently realize waiting paying a coin at existing bank system of web and write buyer's savings account, it virtual be a kind of xenocurrency, and this foreign country objectively is non-existent.

Wait to pay coin pay status variable:

1 attitude: initiatively pay attitude, the buyer has the power of amendment, and 5 attitude attitudes are waited to pay coin and flowed to the seller to 1 attitude.

2 attitudes: passive payment attitude, the seller revises with buyer's password by selling bank, buyer bank, and 0 attitude is waited to pay coin and is flowed to selling bank to 2 attitudes, flows to seller's account again.

4 attitudes: entered the lawsuit state.

Due-in coin: a kind of virtual coin, for the seller be sure of the buyer with synchronous payment system payment, at the amount of money that seller's savings account records, due-in coin does not have interest, can not withdraw deposit non-negotiable.Realize that at existing bank system of web due-in coin writes seller's savings account for convenient.It virtual be a kind of other xenocurrency, and this foreign country objectively is non-existent.

Due-in coin pay status variable:

0 attitude: guard mode

1 attitude: active reimbursement attitude, the seller has the power of amendment, and 0 attitude is to 1 attitude, the funds flow buyer.

2 attitudes: passive reimbursement attitude, the buyer revises with seller's password, and 0 attitude is to 1 attitude, the funds flow buyer.

4 attitudes: entered the lawsuit state.

Buyer's password: the authorization code of a group encryption, the buyer controls the means of payment process, and commodity transaction obtains the result who oneself expects just will give the seller to the control of fund, namely finish payment.

Seller's password: the authorization code of a group encryption, the seller controls the means of payment process, and the buyer can not be used for other purposes with the fund of control, unless former state is returned goods.

The weights password: the authorization code of a group encryption, the time separates in the commodity transaction, and the cost of actual delivery has change for various reasons, revises the weights password and reflects this change.Such as, the buyer receives that goods has flaw, and the buyer agrees to use goods, the seller agrees to reduce price, and modification weights password is got the numerical value less than or equal to 1, and the payment for goods that the seller receives is that due-in coin multiply by the payment weights.Or fully owing to buyer's reason, return goods and cause certain loss to the seller, the buyer bears a loss and pays seller's certain proportion cost.Solve the problem of partial payment.

The value-added service information memory cell comprises: the sub-storage unit of business reputation information on services: store historical transactional information successfully, failed.The sub-storage unit of mediation service information: storage both parties' dispute information and suggestion disposal route and result.The sub-storage unit of advertising service information: storage issue seller merchandise news.The sub-storage unit of authentication service information: storage is through the industrial and commercial license of the seller of examination, work certificate, tax certificate, hygiene permits, inspection certificate of origin, product warranty, after sale service promise etc., authenticity and the validity of the data that the buyer is concerned about.Put to the proof the sub-storage unit of information on services: the contract of the relevant order of storage payment, prepare against when needing and use.

Described selling bank data processing equipment:

Main Processor Unit: be used for other functional unit of calling data treating apparatus, realize synchronous payment system payment function.

The processing unit of accepting an order: receive the synchronous payment system payment request of buyer bank, create pay invoice, generate payoff matrix, after order is finished, spent the certain time-delay phase, sequence information is filed.

Authenticated client processing unit: the client authenticated authentication result is returned to Main Processor Unit.

Query unit: read the accounts information location information, read the information memory cell information of opening an account.

Savings account operating unit: operation is taken in or paid to savings account.

The funds transfer unit: carry out the operation that the interbank fund changes over to, produces, the result returns to Main Processor Unit.Wait to pay coin, due-in coin when the seller has simultaneously, with waiting to pay coin, due-in coin from buyer bank synchronous payment system extraction cash, the funds transfer unit of the synchronous payment system of buyer bank will wait to pay a coin, due-in coin is complex as cash, pay the seller.

Payment processes unit Main Processor Unit calls the secure communication unit and intercepts the synchronous payment system secure communication unit calling of buyer bank, after being proved to be successful, accept buyer bank synchronous payment system secure communication unit and change due-in coin and seller's password, state password, weights password over to the synchronous payment system of selling bank, Main Processor Unit calls the processing unit of accepting an order, and the processing unit of accepting an order creates order.Main Processor Unit calls the savings account operating unit due-in coin is presented at seller's Multiple Currencies savings account, simultaneously Main Processor Unit calls the secure communication unit and encrypts to seller's mobile phone or mailbox and send seller's password and state password, weights password, and bank clerk haves no right to check seller's password and delivery state password, weights password.After finishing dealing with, at last the result is returned to Main Processor Unit, Main Processor Unit calls the secure communication unit, and the synchronous payment system result of selling bank is returned to the synchronous payment system of buyer bank, and Main Processor Unit writes payoff matrix with all operations result.

Automatic reimbursement unit: Main Processor Unit calls the secure communication unit and receives soon closing information of transaction, Main Processor Unit calls the secure communication unit and sends soon closing information of transaction to seller's mobile phone, wait for and replying, agreement is not replied or replied to overtime, Main Processor Unit calls the savings account operating unit and removes due-in coin, Main Processor Unit calls the secure communication unit and has notified the seller to the synchronous payment system transmission of buyer bank, returns due-in coin, and the agreement order is closed.

Power of amendment value cell: after the seller logs in synchronous payment system, revise weights to the Main Processor Unit request, and to making new advances weights, Main Processor Unit calls the secure communication unit to modification weights password, the new weights of the synchronous payment system transmission of buyer bank and returns the due-in coin of part, weights are revised in request, wait is returned and is successfully modified the result, and the weights of rewriting in the payoff matrix are new weights, and Main Processor Unit calls the secure communication unit and sends the success of modification weights to the seller.

Buyer's processing unit of paying the bill: Main Processor Unit calls the secure communication unit, the funds transfer unit receives waits to pay coin, the synchronous payment system of selling bank is with waiting to pay coin and due-in coin and buyer bank synchronous payment system clearing, the funds transfer unit receives cash, call the savings account operating unit, count seller's savings account, Main Processor Unit writes payoff matrix with all operations result, and payment process finishes.

The seller unit of collecting money: after the seller obtains buyer's password, log in the synchronous payment system of selling bank, Main Processor Unit calls the secure communication unit, receive buyer's password, call the synchronous payment system secure communication in secure communication unit and buyer bank unit communication, send buyer's password, wait for buyer bank return results, the funds transfer unit receives waits to pay coin, and the synchronous payment system of selling bank is with waiting to pay coin and due-in coin and buyer bank synchronous payment system clearing, and the funds transfer unit receives fund, call the savings account operating unit, count seller's savings account, Main Processor Unit writes payoff matrix with all operations result, and payment process finishes.

Commission is shared the unit: the commission of deducting is shared by a certain percentage with selling bank by buyer bank from reality success pay invoice.

Seller's reimbursement processing unit: Main Processor Unit calls the secure communication unit, calls the savings account operating unit and removes due-in coin, sends simultaneously due-in coin to the synchronous payment system of buyer bank, rewrites simultaneously payoff matrix, and payment process finishes.

The buyer reclaims the fund unit: Main Processor Unit calls the secure communication unit and receives seller's password, compare with the seller's password in the payoff matrix, after being proved to be successful, Main Processor Unit calls the savings account operating unit and removes due-in coin, Main Processor Unit calls the secure communication unit and pays buyer bank synchronous payment system in due-in coin, rewrites simultaneously payoff matrix.Payment process finishes.

The seller applies for automatic Payment Unit: Main Processor Unit calls the secure communication unit and sends the notice of a call by the synchronous payment system of buyer bank to the buyer, the buyer does not do any answer, Main Processor Unit calls the secure communication unit and proposes the automatic payment request of the buyer to the synchronous payment system of buyer bank, after asking successfully, Main Processor Unit calls buyer's processing unit of paying the bill, the reception fund, payment process finishes.

Application lawsuit unit: the seller and the buyer consult failure, determine to enter lawsuit, rewrite the lawsuit state variable of payoff matrix, close automatic payment function, and pay invoice is locked, can only force processing unit to untie the payment deadlock.

Force processing unit: Main Processor Unit calls the secure communication unit and receives law court's execution L. A., password is forced in the Main Processor Unit checking, after the success, call power of amendment value cell and revise weights, call the funds transfer unit and transfer fund, remove simultaneously due-in coin, the transaction situation is charged to business reputation service subelement, close the trade.

The value-added service unit comprises: business reputation service subelement: record historical transactional information successfully, failed.For afterwards the buyer selects commodity to give a clue.Mediation service subelement: both parties' dispute information and suggestion disposal route and result.Advertising service subelement: the issue seller's merchandise news.Authentication service subelement: the seller of record through examining industrial and commercial license, work certificate, tax certificate, hygiene permits, inspection certificate of origin, product warranty, after sale service promise etc., authenticity and the validity of the data that the buyer is concerned about.Put to the proof the information on services subelement: record the contract of the relevant order of payment, the record buyer signs for document, and the record buyer signs for the video monitoring sectional drawing, prepares against when needing and uses.

Secure communication network: between the synchronous payment system of buyer bank and the synchronous payment system of selling bank, use dedicated network to consist of secure communication between seller's computer system and the synchronous payment system of selling bank to be connected.Perhaps between the synchronous payment system of buyer's terminal and buyer bank, the network between seller's computer system and the synchronous payment system of selling bank, between the synchronous payment system of buyer bank and the synchronous payment system of selling bank, be the VPN (virtual private network) (Virtual Private Network is called for short VPN) that is erected on the public network at least) consist of secure communication and connect.

Described computer virtual dedicated network refers to main tunneling technique, encryption and decryption technology, key management technology and user and the equipment identities authentication techniques of having adopted, and sets up the technology of dedicated network in common network.

Described common network is by public telephone network (PSTN), global mobile communication network (GSM), GPRS network (GPRS), CDMA network (CDMA), WCDMA network (WCDMA), 3G network, 4G network or be the common network of the formation of next generation network (NGN) or LAN (Local Area Network) accessing Internet.

For reaching another above-mentioned purpose, the invention provides a kind of method of synchronous payment system, the method comprises:

A: virtual, composite currencies, accept an order processing unit with cash virtual for due-in coin, wait to pay a coin; The funds transfer unit with due-in coin, wait to pay a coin and be complex as cash.

B: pay due-in coin, the buyer paid processing unit will be waited to pay coin and charge to buyer's account, encrypt and send buyer's password to the buyer; The buyer paid processing unit is paid the seller by the synchronous payment system of selling bank with due-in coin, encrypts to send seller's password, weights password, state password to the seller; The buyer occupies and waits to pay a coin, and the seller occupies due-in coin, has realized the control of both parties to payment process.

C: pay and wait to pay a coin, the buyer receives, seller's gathering, and seller's request that the cell processing seller waits to pay coin by the synchronous payment system of selling bank with buyer's code extraction of collecting money, or buyer's processing unit processes buyer paid of paying the bill waits to pay the request of coin to the seller; The synchronous payment system funds transfer of the selling bank cell response seller is with treating that pair coin and the compound cash of due-in coin deposit the request of seller's account in;

D: return due-in coin, the seller receives the return of goods, buyer's reimbursement, and the buyer reclaims the fund unit and receives the buyer with the request of the due-in coin of seller's code extraction, return due-in coin from the synchronous payment system of selling bank, or seller's reimbursement processing unit receives the due-in coin that the seller returns; The funds transfer cell response buyer is with treating that pair coin and the compound cash of due-in coin deposit the request of buyer's account in.

Beneficial effect:

1, utilize the present invention, safety of payment does not worry that the counterpart is sincere.Payment system guarantees both parties' utmost fair dealing synchronously, does not worry the counterpart rascal, reduces the dispute of commodity transaction.Can Partial Replacement the existing letter of credit, bank guarantee, pay to, the clearing forms such as collection, Fund Supervision and third party's payment, particularly overcome third party's payment and specific business platform in conjunction with protecting the function of paying.

2, utilize the present invention, low cost.Both parties can finish payment by the synchronous payment system of computing machine is self-service.Payment process only just needs the personnel of bank to participate in processing low cost in the situation of implacable dispute.

3, utilize the present invention, can also to a certain degree prevent network defraud, telecommunications swindle.

4, utilize the present invention, protect growth.The modes of payments of safety promotes international, domestic commerce and trade development, especially promotes Small and Medium Sized Enterprise Growth.Expand the service field of bank, promote the international status of banks of China enterprise, improve the business income of bank.

5, preferentially use the bank of this technology, monopolistic this business within the protection period, the number of opening an account of increase savings and settlement accounts, the economic benefit of increase one's own profession.

Description of drawings

Fig. 1 is the two sides provided by the invention synchronous payment structure synoptic diagram of concluding the business;

Fig. 2 is synchronous payment system structural drawing provided by the invention;

Fig. 3 is the synchronous payment system synoptic diagram of buyer bank provided by the invention;

Fig. 4 is the synchronous payment system synoptic diagram of selling bank provided by the invention;

Fig. 5 is payoff matrix figure provided by the invention;

Fig. 6 realizes the synchronously method flow diagram of payment according to the embodiment of the invention;

Fig. 7 is the synchronous payment structure synoptic diagram of in many ways concluding the business provided by the invention.

Embodiment

In order to make those skilled in the art understand better technical scheme of the present invention, the present invention is described in further detail below in conjunction with the drawings and specific embodiments, need to prove that in the situation of not conflicting, the application's embodiment and the feature among the embodiment can make up mutually.

Core concept of the present invention is: synchronously payment is to realize that by the virtual and compound technology of currency both parties implement control to payment process, the Zhi Fuyu cargo delivery is synchronous, payment process begins prior to cargo delivery, finishes to be later than a kind of modes of payments of cargo delivery success.The buyer uses synchronous payment system ideal money, and cash is converted into to be waited to pay coin, due-in coin, pays first due-in coin, and seller's delivery is paid after the buyer receives again and waited to pay coin, and the seller will treat that by synchronous payment system a pair coin, due-in coin are complex as cash again; When the seller receives the return of goods, return due-in coin, the buyer will treat that by synchronous payment system a pair coin, due-in coin are complex as cash.

Conclude the business shown in the synchronous payment structure synoptic diagram such as Fig. 1 two sides, synchronous payment system of the present invention comprises buyer's (buyer's terminal) 1, common network 9, VPN (virtual private network) 3, the synchronous payment system 4 of buyer bank, seller's (seller's computer system) 2, dedicated network 5, dedicated network or VPN (virtual private network) 7, the synchronous payment system 6 of selling bank, logistics 8.The synchronous payment system 4 of the buyer 1 operation buyer bank produces and waits to pay coin, buyer's password, due-in coin, seller's password, weights password, state password, forces password.The buyer 1 obtains waiting paying coin, buyer's password.The synchronous payment system 4 of buyer bank is encrypted by the synchronous payment system 6 of selling bank and is sent to the seller's 2 due-in coin, seller's password, weights password, state password.After the buyer 1 received qualified goods, the buyer 1 gave the seller 2 with buyer's password, and the seller 2 is with the synchronous payment system gathering of buyer's password by selling bank.Otherwise after the seller 2 received the return of goods, the seller 2 gave the buyer 1 with seller's password, and the buyer 1 is with the synchronous payment system reimbursement of seller's password by the synchronous payment system 4 of buyer bank.The below is explained in detail the constitute and function of various piece.

Buyer's terminal 1: be used for the buyer 1 and link up with the seller 2, select commodity by common network 9, form contract or the order of commodity transaction, form secure networks with buyer bank synchronous payment system 4 and is connected, the synchronous payment system of the synchronous payment system 4 of the buyer 1 login buyer bank is finished and is paid or reimbursement.

Described buyer's terminal 1 is microcomputer, notebook computer, embedded computer, panel computer, smart mobile phone, ATM(ATM (Automatic Teller Machine)), the POS machine.

Seller's computer system 2: the seller 2 shows merchandising and the service of oneself by common network 9, with buyer's terminal 1 reciprocation, agreed trade contract, go into order, consist of secure network with the synchronous payment system 6 of selling bank and be connected, the synchronous payment system 6 of login selling bank is finished gathering or reimbursement.

Described seller's computer system 2 is microcomputer, microcomputer server, notebook computer, embedded computer, panel computer, smart mobile phone, ATM(ATM (Automatic Teller Machine)), the LAN (Local Area Network) system that many computing machines wherein consist of by network access device.

The synchronous payment system 4 of buyer bank: shown in synchronous payment system 4 synoptic diagram of the synchronous payment system structural drawing of Fig. 2 and Fig. 3 buyer bank, comprise synchronous payment subsystem, value-added service subsystem, forming secure network with buyer's terminal 1 is connected, the storage buyer 1 information of opening an account, accept the buyer's 1 user security and login synchronous payment system, the synchronous payment system 4 of buyer bank is accepted trade contract or the order of the buyer's 1 pay invoice and binding, connect by secure network, with synchronous payment system 6 reciprocations of selling bank, the fund of finishing is paid synchronously.

The synchronous payment system 4 of described buyer bank is, supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation and terminal, the LAN (Local Area Network) system that many computing machines wherein consist of by network access devices such as switch, router, modulator-demodular units.

The synchronous payment system 6 of selling bank: shown in the synchronous payment system structural drawing of Fig. 2 and synchronous payment system 6 synoptic diagram of Fig. 4 selling bank, comprise synchronous payment subsystem, value-added service subsystem, forming secure network with seller's computer system 2 is connected, the storage seller 2 information of opening an account, accept the seller's 2 user security and login synchronous payment system, synchronous payment system is accepted the buyer 1 and is disbursed funds, and with synchronous payment system 4 reciprocations of buyer bank, the fund of finishing is paid synchronously.

The described buyer's 1 computer system is, supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation and terminal, the LAN (Local Area Network) system that computing machine wherein consists of by network access devices such as switch, router, modulator-demodular units.

Secure communication network 3,5,7:

Use common network 9 to consist of communication connection between buyer's terminal 1 and the seller's computer system 2; Using VPN (virtual private network) 3 to consist of secure communications between buyer's terminal 1 and the buyer bank synchronous payment system 4 is connected; Using dedicated network 5 to consist of secure communications between the synchronous payment system 4 of buyer bank and the synchronous payment system 6 of selling bank is connected; Using dedicated network or VPN (virtual private network) 7 to consist of secure communications between seller's computer system 2 and the synchronous payment system 6 of selling bank is connected

Described computer virtual dedicated network (Virtual Private Network is called for short VPN), refer to main tunneling technique, encryption and decryption technology, key management technology and user and the equipment identities authentication techniques of having adopted, set up the technology of dedicated network in common network.

Described public network is global mobile communication network (GSM), GPRS network (GPRS), CDMA network (CDMA), WCDMA network (WCDMA), 3G network, 4G network or is the community network system of the formation of next generation network (NGN) or LAN (Local Area Network) access common network by public telephone network (PSTN), mobile communications network.

Concrete, shown in synchronous payment system 4 synoptic diagram of Fig. 3 buyer bank, the synchronous payment system 4 of described buyer bank comprises: data storage device 101 and data processing equipment 102.

Described buyer's bank data memory storage 101: for the information of opening an account of storing the client, accounts information, sequence information, log-on message, payment process information, payoff matrix, value-added service information etc.Client's value-added service information subdivision is: business reputation information, mediation service information, proof information on services.

The payoff matrix storage unit: the buyer 1: the savings account, synchronously the payment system account, wait to pay a coin amount of money, wait to pay a coin pay status variable, buyer's password, payment weights; The seller 2: savings account, synchronous payment system account, the due-in coin amount of money, due-in coin pay status variable, seller's password, delivery state password, weights password; Buyer bank: the trade contract of binding number, force password, lawsuit state variable.

Wait to pay coin: a kind of ideal money, the buyer 1 has determined to pay seller's currency of 2 destiny accounts, can not be used as other purposes again, and restriction is mobile.Wait to pay coin and figure interest into buyer's account, can not withdraw deposit non-negotiable.For the buyer 1 can view the existence of waiting to pay coin at any time, show at the buyer's 1 savings account, and conveniently realize waiting paying a coin at existing bank system of web and write the buyer's 1 savings account, it virtual be a kind of xenocurrency, and this foreign country objectively is non-existent.

Due-in coin: a kind of ideal money, for the seller 2 be sure of the buyer 1 with synchronous payment system payment, at the amount of money that the seller's 2 savings accounts record, due-in coin does not have interest, can not withdraw deposit non-negotiable.Realize that at existing bank system of web due-in coin writes the seller's 2 savings accounts for convenient.It virtual be a kind of other xenocurrency, and this foreign country objectively is non-existent.

Wait to pay coin pay status variable:

1 attitude: initiatively pay attitude, the buyer 1 has the power of amendment, and 5 or 6 attitudes are waited to pay coin and flowed to the seller 2 to 1 attitude.

2 attitudes: passive payment attitude, the seller 2 revises with buyer's password by the synchronous payment system 6 of selling bank, and 5 or 6 attitudes are waited to pay coin and are flowed to selling bank to 2 attitudes, are complex as cash through virtual coin and flow to the seller's 2 accounts again.

4 attitudes: entered the lawsuit state, 5 or 6 enter 4 attitudes.

5 attitudes: the delivery attitude, the seller's 2 usefulness delivery state passwords are revised.

6 attitudes: the weights attitude, the seller's 2 usefulness weights passwords are revised weights.

Due-in coin pay status variable:

0 attitude: guard mode

1 attitude: active reimbursement attitude, the seller 2 has the power of amendment, and 0 attitude is to 1 attitude, and due-in coin flows to the buyer 1.

2 attitudes: passive reimbursement attitude, the buyer 1 revises with seller's password, and 0 attitude is to 1 attitude, and due-in coin flows to the buyer 1.

4 attitudes: entered the lawsuit state, next step changes 3 attitudes over to.

Buyer's password: the authorization code of a group encryption, the means of the buyer 1 control payment process, the result that commodity transaction obtains own expectation just will treat that the control of pair coin gives the seller 2, namely finish payment.

Seller's password: the authorization code of a group encryption, the means of the seller's 2 control payment process are controlled due-in coin and are flowed back to the buyer 1, and the buyer 1 can not be used for other purposes with the fund of control, unless former state is returned goods.

The weights password: the authorization code of a group encryption, the time separates in the commodity transaction, and the cost of actual delivery has change for various reasons, revises the weights password and reflects this change.Such as, the buyer 1 receives that goods has flaw, and the buyer 1 agrees to use goods, the seller 2 agrees to reduce price, revises the weights password, gets the numerical value less than or equal to 1, and the payment for goods that the seller 2 receives is that due-in coin multiply by the payment weights.Or fully owing to the buyer's 1 reason, return goods and cause certain loss to the seller 2, the buyer 1 bears a loss and pays the seller 2 certain proportion costs.Solve the problem of partial payment.

The state password: the authorization code of a group encryption, revise the password of waiting to pay the coin delivery state, the not automatic reimbursement of delivery system is simplified the seller 2 and is not delivered, and again not reimbursement needs the workload of manual intervention.

The value-added service information memory cell comprises: the sub-storage unit of business reputation information on services: store historical transactional information successfully, failed.The cognition of the buyer's 1 commodity in use or service.The sub-storage unit of mediation service information: both parties' dispute information and suggestion disposal route and result.Put to the proof the sub-storage unit of information on services: the contract of the relevant order of storage payment, prepare against when needing and use.

Buyer's bank data treating apparatus 102 comprises: Main Processor Unit, the authenticated client processing unit, the savings account operating unit, the processing unit of accepting an order, order filing processing unit, the order query unit, cryptography processing units, the secure communication unit, the funds transfer unit, the replacement password unit, the buyer paid processing unit, automatic reimbursement unit, delivery state is revised the unit, power of amendment value cell, bank collects the commission unit, the seller unit of collecting money, buyer's processing unit of paying the bill, seller's reimbursement processing unit, the buyer reclaims the fund unit, the passive automatic Payment Unit of the buyer, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, the value-added service unit.

Funds transfer unit: carry out the operation that interbank virtual coin or cash change over to, produce, detecting the buyer 1 has simultaneously and waits to pay a coin, due-in coin, automatically virtual treat a pair coin, due-in coin are complex as cash, call the savings account operating unit and deposit cash in buyer's account.Detect the seller 2 and have simultaneously and wait to pay a coin, due-in coin, receive treat a pair coin, the due-in coin that the seller will be virtual and be complex as the request of cash, and change cash over to selling bank synchronous payment system seller's account, the result returns to Main Processor Unit.

The replacement password unit: certain side who participates in business loses password, and the buyer's 1 login system regenerates distributes buyer's password, seller's password, weights password, state password, pressure password.

The buyer paid processing unit: Main Processor Unit calls the savings account operating unit, in the buyer's 1 Multiple Currencies savings account remaining sum, pay payment, Main Processor Unit calls the processing unit of accepting an order and generates pay invoice, call and return virtual coin: wait to pay coin, due-in coin, password: buyer's password, seller's password, weights password, state password, pressure password.Main Processor Unit calls the savings account operating unit, in the buyer 1 the Multiple Currencies buyer 1 savings account, deposit in and wait to pay the coin amount of money, Main Processor Unit calls ciphering unit and encrypts, then the secure communication processing unit sends to the buyer 1 with buyer's password by binding mobile phone or binding mailbox, and bank clerk haves no right to check buyer's password.Main Processor Unit calling communication processing unit sends to the synchronous payment system 6 of selling bank with due-in coin, seller's password, weights password, state password.Accept the synchronous payment system return results of selling bank, at last the result is returned to Main Processor Unit.The buyer paid processing unit writes payoff matrix with all operations result.

Automatic reimbursement unit: after the buyer's 1 payment processes unit operations is finished, start timer, reach threshold values, detect the delivery state in the payoff matrix, the seller 2 is non-shipment, Main Processor Unit calls the secure communication unit and will close the transaction prompting to synchronous payment system 6 transmissions of selling bank, when having notified the seller 2 Deng synchronous payment system 6 answers of selling bank, the synchronous payment system 6 of selling bank is return the synchronous payment system 6 of selling bank with due-in coin, Main Processor Unit calls the savings account operating unit and removes and wait to pay a coin, call the funds transfer unit and pay coin with virtual waiting, due-in coin is complex as cash, deposits fund in the buyer's 1 account, finishes automatic reimbursement.

Power of amendment value cell: the due-in coin of part that Main Processor Unit calls the modification weights password of synchronous payment system 6 transmissions of secure communication unit reception selling bank, new weights and returns, after being proved to be successful, rewrite the weights in the payoff matrix, call the due-in coin of part virtual coin that to return the funds transfer unit and treat that accordingly a pair coin is complex as cash, calls the savings account operating unit and deposit cash in buyer's account.Main Processor Unit calls the modification weights success that the secure communication unit sends to the synchronous payment system 6 of selling bank.Main Processor Unit calls the secure communication unit and sends the information of having revised weights to the buyer's 1 mobile phone.

The seller unit of collecting money: Main Processor Unit calls the secure communication unit and receives buyer's password, after being proved to be successful, calling the funds transfer unit will wait to pay a coin and pay selling bank synchronous payment system 6, synchronous payment system 6 usefulness of selling bank wait to pay coin and due-in coin and buyer bank synchronous payment system 4 clearing, Main Processor Unit calls the savings account operating unit and removes and wait to pay a coin, with due-in coin with wait accordingly to pay a coin and be complex as cash, simultaneously Main Processor Unit calls bank and collects the commission unit and deduct a commission by amount payable, synchronous payment system 4 Main Processor Units of buyer bank call the funds transfer unit with synchronous payment system 6 sellers of inward cash remittance selling bank 2 accounts, Main Processor Unit calls the secure communication unit and waits for the selling bank answer, receive the message that payment is successful, Main Processor Unit is rewritten payoff matrix, and payment process finishes.

Buyer's processing unit of paying the bill: after the buyer 1 logins successfully, send to pay and wait to pay the coin instruction, Main Processor Unit calls the funds transfer unit and will wait to pay a coin and pay selling bank synchronous payment system 6, synchronous payment system 6 usefulness of selling bank wait to pay coin and due-in coin and buyer bank synchronous payment system 4 clearing, Main Processor Unit calls the savings account operating unit and removes and wait to pay a coin, with due-in coin with wait accordingly to pay a coin and be complex as cash, simultaneously Main Processor Unit calls bank and collects the commission unit and take off commission by amount payable, synchronous payment system 4 Main Processor Units of buyer bank call the funds transfer unit fund are imported synchronous payment system 6 sellers of selling bank 2 accounts, Main Processor Unit calls the secure communication unit and waits for the selling bank answer, receive the message that payment is successful, Main Processor Unit is rewritten payoff matrix, and payment process finishes.

Seller's reimbursement processing unit: Main Processor Unit calls the secure communication unit and receives due-in coin, Main Processor Unit calls in the savings account operating unit removing savings account and waits to pay a coin, simultaneously with due-in coin with wait accordingly to pay a coin and be complex as cash, the fund of the amount of money such as in the buyer's 1 savings account, deposit in.

The buyer reclaims the fund unit: Main Processor Unit calls the secure communication unit and sends seller's password, wait for the seller's 2 synchronous payment system results, Main Processor Unit calls the secure communication unit and receives due-in coin, call in the savings account operating unit removing savings account and wait to pay a coin, with due-in coin with wait accordingly to pay a coin and be complex as cash, the fund of the amount of money such as in the buyer's 1 savings account, deposit simultaneously in.

The passive automatic Payment Unit of the buyer: for the order of the amount of money greater than the numerical value that limits, the seller 2 sends the notice of a call by synchronous payment system to the buyer 1, and the buyer 1 does not do any answer and payment, can not automatically pay the bill, and solves the payment deadlock by judicial approach.The passive automatic payment of the synchronous payment system of buyer bank: after the synchronous payment system of buyer bank receives the automatic payment of the seller's 2 applications, Main Processor Unit calls query unit inquiry both parties business reputation grade, judge whether to satisfy Automatic Payment Request, judge that whether the order amount of money is less than the numerical value that limits, judge that the seller 2 provides the buyer 1 to sign for the logistics document, reserve handwriting signature with the buyer 1 and compare, person's handwriting is proved to be successful, and judges and crosses the payment time delay.Above condition all becomes erection system automatically to pay the bill.Also can, when 1 time pay invoice of the buyer, whether inquiry agrees to use this function.

Application lawsuit unit: the seller 2 and the buyer 1 consult unsuccessfully, and wherein a side determines to enter lawsuit, rewrite the lawsuit state variable of payoff matrix, close automatic payment function, and pay invoice is locked, can only force processing unit to untie the payment deadlock.

The value-added service unit comprises: business reputation service subelement: record historical transactional information successfully, failed.The seller 2 eliminating malice buyeies 1 for afterwards give a clue.The cognition of the buyer's 1 commodity in use or service.The mediation service subelement: Main Processor Unit call request manual service unit receives user's request and statement, and bank client service recommendations disposal route and result are returned Main Processor Unit.The disposal route of both parties' dispute information and bank client service recommendations and result's record are such as the customer goodwill subelement.Put to the proof the information on services subelement: record the contract of the relevant order of payment, the record buyer signs for document, and the record buyer signs for the video monitoring sectional drawing, prepares against when needing and uses.

The synchronous payment system 6 of selling bank: form secure network with buyer bank synchronous payment system 4, the seller's 2 computer systems and be connected, comprise data storage device 103 and data processing equipment 104.

The data storage device 103 storage sellers 2 open an account information and Transaction Information comprise: the information memory cell of opening an account, accounts information storage unit, sequence information storage unit, log-on message storage unit, payment process information memory cell, payoff matrix storage unit, value-added service information memory cell.

Data processing equipment 104 is processed payment, comprising: Main Processor Unit, the authenticated client processing unit, the processing unit of accepting an order, query unit, the order query unit, cryptography processing units, the secure communication unit, the savings account operating unit, the funds transfer unit, the payment processes unit, automatic reimbursement unit, power of amendment value cell, the buyer's 1 payment processing unit, the seller 2 gathering unit, commission is shared the unit, the seller's 2 reimbursement processing units, the buyer 1 reclaims the fund unit, commission discount unit, people at highest risk's query unit, the automatic Payment Unit of the seller's 2 applications, receive the buyer's 1 initiatively automatic Payment Unit, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, value-added service unit (business reputation service subelement, the mediation service subelement, the advertising service subelement, the authentication service subelement, put to the proof the information on services subelement).

Wherein, the authenticated client processing unit processes seller 2 users authenticate, login synchronous payment system; Reception ﹠ disposal due-in coin in payment processes unit counts the seller's 2 accounts with due-in coin, encrypts and transmits seller's password, weights password, state password to relationship trading information such as the sellers 2; The synchronous payment system of the buyer 1 payment processing unit, the seller 2 gathering unit and buyer bank 4 is mutual, accepts to wait to pay a coin, acts on behalf of the seller's 2 usefulness and treats that pair coin and due-in coin extraction cash deposit the seller's 2 accounts in; The seller 2 reimbursement processing unit processes sellers 2 return due-in coin to the buyer 1, and the buyer 1 reclaims the fund unit and pays due-in coin to the buyer 1 with seller's password.

The synchronous payment system 6 of described selling bank is, supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation and terminal, and computing machine is by the LAN (Local Area Network) system of the network access devices such as switch, router, modulator-demodular unit formation.

Described selling bank data storage device 103: be used for storage client's the information of opening an account, log-on message, client's accounts information, sequence information, payment process information, payoff matrix, value-added service information etc.Client's value-added service information comprises: business reputation information on services, mediation service information, advertising service information, authentication service information, proof information on services.

The payment process information memory cell: store the transient state process of a certain step operation, the data that produce in the middle of finishing are arrived in a certain step operation beginning, remove behind the EO.

The payoff matrix storage unit: the buyer 1: the savings account, synchronously the payment system account, wait to pay a coin amount of money, wait to pay a coin pay status variable, the payment weights; The seller 2: savings account, synchronous payment system account, the due-in coin amount of money, due-in coin pay status variable, seller's password, cargo state password, weights password; Buyer bank: the trade contract of binding number.

Wait to pay coin: a kind of virtual coin, the buyer 1 has determined to pay seller's currency of 2 destiny accounts, can not be used as other purposes again, and restriction is mobile.Wait to pay coin and figure interest into buyer's account, can not withdraw deposit non-negotiable.For the buyer 1 can view the existence of waiting to pay coin at any time, show at the buyer's 1 savings account, and conveniently realize waiting paying a coin at existing bank system of web and write the buyer's 1 savings account, it virtual be a kind of xenocurrency, and this foreign country objectively is non-existent.

Due-in coin: a kind of virtual coin, for the seller 2 be sure of the buyer 1 with synchronous payment system payment, at the amount of money that the seller's 2 savings accounts record, due-in coin does not have interest, can not withdraw deposit non-negotiable.Realize that at existing bank system of web due-in coin writes the seller's 2 savings accounts for convenient.It virtual be a kind of other xenocurrency, and this foreign country objectively is non-existent.

Wait to pay coin pay status variable:

1 attitude: initiatively pay attitude, the buyer 1 has the power of amendment, and 5 attitude attitudes are waited to pay coin and flowed to the seller 2 to 1 attitude.

2 attitudes: passive payment attitude, the seller 2 revises with buyer's password by selling bank, buyer bank, and 0 attitude is waited to pay coin and is flowed to selling bank to 2 attitudes, flows to the seller's 2 accounts again.

4 attitudes: entered the lawsuit state.

Due-in coin pay status variable:

0 attitude: guard mode

1 attitude: active reimbursement attitude, the seller 2 has the power of amendment, and 0 attitude is to 1 attitude, and the funds flow buyer 1.

2 attitudes: passive reimbursement attitude, the buyer 1 revises with seller's password, and 0 attitude is to 1 attitude, and the funds flow buyer 1.

4 attitudes: entered the lawsuit state.

Buyer's password: the authorization code of a group encryption, the means of the buyer's 1 control payment process, commodity transaction obtains the result who oneself expects just will give the seller 2 to the control of fund, namely finish payment.

Seller's password: the authorization code of a group encryption, the means of the seller's 2 control payment process, the buyer 1 can not be used for other purposes with the fund of control, unless former state is returned goods.

The weights password: the authorization code of a group encryption, the time separates in the commodity transaction, and the cost of actual delivery has change for various reasons, revises the weights password and reflects this change.Such as, the buyer 1 receives that goods has flaw, and the buyer 1 agrees to use goods, the seller 2 agrees to reduce price, and modification weights password is got the numerical value less than or equal to 1, and the payment for goods that the seller 2 receives is that due-in coin multiply by the payment weights.Or fully owing to the buyer's 1 reason, return goods and cause certain loss to the seller 2, the buyer 1 bears a loss and pays the seller 2 certain proportion costs.Solve the problem of partial payment.

The value-added service information memory cell comprises: the sub-storage unit of business reputation information on services: store historical transactional information successfully, failed.The sub-storage unit of mediation service information: storage both parties' dispute information and suggestion disposal route and result.The sub-storage unit of advertising service information: the storage issue seller 2 merchandise newss.The sub-storage unit of authentication service information: storage is through the seller's 2 industrial and commercial licenses, work certificate, tax certificate, hygiene permits, inspection certificate of origin, product warranty, after sale service promise etc. of examination, authenticity and the validity of the data that the buyer 1 is concerned about.Put to the proof the sub-storage unit of information on services: the contract of the relevant order of storage payment, prepare against when needing and use.Value-added service extension storage unit: use during the value-added service expansion.

Described selling bank data processing equipment 104: comprising: Main Processor Unit, the authenticated client processing unit, the processing unit of accepting an order, query unit, the order query unit, cryptography processing units, the secure communication unit, the savings account operating unit, the funds transfer unit, the payment processes unit, automatic reimbursement unit, power of amendment value cell, buyer's processing unit of paying the bill, the seller unit of collecting money, commission is shared the unit, seller's reimbursement processing unit, the buyer reclaims the fund unit, commission discount unit, people at highest risk's query unit, the seller applies for automatic Payment Unit, receive the initiatively automatic Payment Unit of the buyer, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, value-added service unit (business reputation service subelement, the mediation service subelement, the advertising service subelement, the authentication service subelement, put to the proof the information on services subelement).

The funds transfer unit: carry out the operation that the interbank fund changes over to, produces, the result returns to Main Processor Unit.Wait to pay coin, due-in coin when the seller 2 has simultaneously, with waiting to pay coin, due-in coin from the synchronous payment system 4 extraction cashes of buyer bank, the synchronous payment system 4 of buyer bank will wait to pay a coin, due-in coin is complex as cash, pay the seller 2.

Payment processes unit Main Processor Unit calls the secure communication unit and intercepts the synchronous payment system 4 secure communication unit calling of buyer bank, after being proved to be successful, accept buyer bank synchronous payment system 4 secure communication unit and change due-in coin and seller's password, state password, weights password over to the synchronous payment system of selling bank, Main Processor Unit calls the processing unit of accepting an order, and creates order.Main Processor Unit calls the savings account operating unit due-in coin is presented at the seller's 2 Multiple Currencies savings accounts, simultaneously Main Processor Unit calls the secure communication unit and encrypts to the seller's 2 mobile phones or mailbox and send seller's password and state password, weights password, and bank clerk haves no right to check seller's password and delivery state password, weights password.After finishing dealing with, at last the result is returned to Main Processor Unit, Main Processor Unit calls the secure communication unit, and the synchronous payment system result of selling bank is returned to the synchronous payment system 4 of buyer bank, and Main Processor Unit writes payoff matrix with all operations result.

Automatic reimbursement unit: Main Processor Unit calls the secure communication unit and receives soon closing information of transaction, Main Processor Unit calls the secure communication unit and sends soon closing information of transaction to the seller's 2 mobile phones, wait for and replying, agreement is not replied or replied to overtime, Main Processor Unit calls the savings account operating unit and removes due-in coin, Main Processor Unit calls the secure communication unit and has notified the seller 2 to synchronous payment system 4 transmissions of buyer bank, returns due-in coin, and the agreement order is closed.

Power of amendment value cell: after the seller 2 logs in synchronous payment system, revise weights to the Main Processor Unit request, and to making new advances weights, Main Processor Unit calls the secure communication unit to modification weights password, the new weights of synchronous payment system 4 transmissions of buyer bank and returns the due-in coin of part, weights are revised in request, wait is returned and is successfully modified the result, and the weights of rewriting in the payoff matrix are new weights, and Main Processor Unit calls the secure communication unit and sends the success of modification weights to the seller 2.

Buyer's processing unit of paying the bill: Main Processor Unit calls the secure communication unit, the funds transfer unit receives waits to pay coin, synchronous payment system 6 usefulness of selling bank wait to pay coin and due-in coin and buyer bank synchronous payment system 4 clearing, the funds transfer unit receives cash, call the savings account operating unit, count the seller's 2 savings accounts, Main Processor Unit writes payoff matrix with all operations result, and payment process finishes.

The seller unit of collecting money: after the seller 2 obtains buyer's passwords, log in the synchronous payment system 6 of selling bank, Main Processor Unit calls the secure communication unit, receive buyer's password, call the synchronous payment system secure communication in secure communication unit and buyer bank unit communication, send buyer's password, wait for buyer bank return results, the funds transfer unit receives waits to pay coin, and synchronous payment system 6 usefulness of selling bank wait to pay coin and due-in coin and buyer bank synchronous payment system 4 clearing, and the funds transfer unit receives fund, call the savings account operating unit, count the seller's 2 savings accounts, Main Processor Unit writes payoff matrix with all operations result, and payment process finishes.

Commission discount unit: in the scope of laws and regulations license, formulate higher commission rate, to consuming the few high-quality user of payment system resource, preferential commission.

The seller applies for automatic Payment Unit: Main Processor Unit calls the secure communication unit and sends the notice of a call by the synchronous payment system of buyer bank to the buyer 1, the buyer 1 does not do any answer, Main Processor Unit calls the secure communication unit and proposes the automatic payment request of the buyer to the synchronous payment system of buyer bank, after asking successfully, Main Processor Unit calls buyer's processing unit of paying the bill, the reception fund, payment process finishes.

Application lawsuit unit: the seller 2 and the buyer 1 consult unsuccessfully, determine to enter lawsuit, rewrite the lawsuit state variable of payoff matrix, close automatic payment function, and pay invoice is locked, can only force processing unit to untie the payment deadlock.

The value-added service unit comprises: business reputation service subelement: record historical transactional information successfully, failed.For the buyer's 1 selection commodity are afterwards given a clue.Mediation service subelement: both parties' dispute information and suggestion disposal route and result.Advertising service subelement: the issue seller's 2 merchandise news.Authentication service subelement: the seller 2 of record through examining industrial and commercial license, work certificate, tax certificate, hygiene permits, inspection certificate of origin, product warranty, after sale service promise etc., authenticity and the validity of the data that the buyer 1 is concerned about.Put to the proof the information on services subelement: record the contract of the relevant order of payment, record buyer 1 signs for document, and record buyer 1 signs for the video monitoring sectional drawing, prepares against when needing and uses.

Shown in the synchronous payment flow of Fig. 6, use the method for operating of synchronous payment system of the present invention, the method comprises:

A: open an account:

Can hold I.D., " license of the business corporation " or perfect instruments such as " operation licenses ", directly handling Web bank to local savings bank sales counter contracts, after contracting successfully, logging in to online banks, user's activation is carried out in prompting according to Web bank, after the success, become the signed client of Web bank.

B: login

According to Web bank's help file description operation, Web bank's certificate is installed, is used at browser, or use USB smart card logging in to online banks system.Main Processor Unit calls the authenticated client processing unit, receives the buyer 1, the seller's 2 logins.

C: buyer paid

After the buyer 1 logged in successfully, Main Processor Unit called the processing unit of accepting an order and creates pay invoice, and the buyer paid processing unit is carried out payment.Fund rests on synchronous payment system 4 buyeies of buyer bank 1 synchronous payment system account, is information flow, and fund just flows in the time of the seller's 2 usefulness buyer code extraction fund.

D: the synchronously payment system automatic reimbursement of delaying time:

After the buyer paid processing unit was carried out payment, the payment system Main Processor Unit called automatic reimbursement unit synchronously, monitored pay status.

E: the seller revises delivery state:

After the seller's 2 deliveries, login, the password of will delivering is submitted to the synchronous payment system 6 synchronous payment systems of selling bank, the synchronous payment system 6 synchronous payment systems of selling bank are transmitted, synchronous payment system 4 Main Processor Units of buyer bank call delivery state and revise the unit, after being proved to be successful, rewrite the delivery state in the payoff matrix, close automatic reimbursement functional unit.

F: seller's gathering:

After the seller 2 or the buyer 1 consults, if necessary, revise weights with power of amendment value cell, the seller 2 starts sellers' unit gathering of collecting money, or the buyer 1 starts the buyer's 1 payment processing unit payment.

G: seller's reimbursement:

The seller 2 starts seller's reimbursement processing unit reimbursement or the buyer 1 starts the buyer's 1 recovery fund unit reimbursement.

H: mediation service and lawsuit:

After the seller 2 or the buyer 1 consult, can not reach common understanding, Main Processor Unit call request manual service unit, state the reason of oneself and the result of expectation, Main Processor Unit calls the mediation service subelement and returns bank client service recommendations disposal route and result, if both parties accept, finish voluntarily payment.If do not accept conciliation, Main Processor Unit calls application lawsuit unit, the processing stage of entering the administration of justice.

I: the synchronous payment system of buyer bank is executed process:

After the seller 2 or the buyer 1 consult, can not reach common understanding, wherein a side determines to enter lawsuit, and Main Processor Unit calls application lawsuit unit, and the lawsuit state variable of rewriting payoff matrix is closed automatic payment function, and pay invoice is locked.Main Processor Unit calls proof information on services subelement and provides payout status to law court, and court decision is carried out L. A. and arrived, and the bank client attendant starts forces processing unit to finish pay invoice.

J: value-added service:

System's Main Processor Unit calls business reputation service subelement, automatically finishes the business reputation record, and other service has the client to select voluntarily.

Such as Fig. 7 synchronous payment structure synoptic diagram of in many ways concluding the business, for the seller, the buyer, intermediary, the taxes etc. are in many ways paid and can the synchronous payment system of following improvement be realized: the buyer uses synchronous payment system ideal money, cash is converted into waits to pay coin, due-in coin, intermediary's coin, tax coin, pay first due-in coin, intermediary's coin, tax coin, seller's delivery, pay again after the buyer receives and wait to pay coin, after the seller pays intermediary fee, obtain intermediary's coin, after the seller paies tax, obtain tax coin, the seller will wait to pay coin by synchronous payment system again, due-in coin, intermediary's coin, tax coin is complex as cash; When the seller receives the return of goods, return due-in coin, the buyer is with due-in coin, after intermediary's coin is return by a pair coin requirement intermediary, obtain intermediary's coin, the buyer with due-in coin, wait to pay a coin requirement tax and return tax coin, obtain tax coin, the buyer will treat that by synchronous payment system a pair coin, due-in coin, intermediary's coin, tax coin are complex as cash.

In many ways pay also and can following nested synchronous payment system realize for the seller, the buyer, intermediary, the tax etc.As participate in business what only have both parties is second-order system, participate in business to have the buyer 1, the seller 2 and the three parts's of intermediary be third-order system, participate in business what the N sides such as the buyer 1, the seller 2 and intermediary were arranged is N rank systems, need the synchronous payment system in nested N-1 rank to realize payment.

Use between the seller and the buyer to use between synchronous payment system payment, the seller and intermediary and use synchronous payment system between synchronous payment system, the seller and the tax, after delivering goods successfully, when using synchronous payment system payment to be complex as cash between the seller and the buyer, whether detect and to use between the seller and intermediary whether synchronous payment is finished, use synchronous payment to finish between the seller and the tax, payment has been finished and has been realized that just synchronously payment between the seller and the buyer is complex as the request of cash between the seller and intermediary, between the seller and the tax.After delivering goods unsuccessfully, the buyer is with the record of returning the due-in coin of the seller, and request intermediary, the tax are return virtual coin.

Set forth a lot of details so that fully understand the present invention in the top description, still, the present invention can also adopt other to be different from other modes described here and implement, and therefore, can not be interpreted as limiting the scope of the invention.

In a word; although the present invention has enumerated above-mentioned preferred implementation, should illustrate, although those skilled in the art can carry out various variations and remodeling; unless such variation and remodeling have departed from scope of the present invention, otherwise all should be included in protection scope of the present invention.

Claims

1. a synchronous payment system is characterized in that, this system comprises:

Buyer's terminal: select commodity by the internet, being used for buyer and seller links up, form contract or the order of commodity transaction, forming secure network with buyer bank synchronous payment system is connected, the synchronous payment system of login bank is finished payment, after the buyer received qualified goods, the buyer gave the seller or login buyer bank synchronous payment system with buyer's password and pays and wait to pay coin to the seller; After the seller received the return of goods, the seller returned the buyer with seller's password, and the buyer returns due-in coin or the seller with the synchronous payment system of seller's password login buyer bank and logins the synchronous payment system of selling bank and return due-in coin to the buyer;

Seller's computer system: show by the internet, sell oneself commodity and service, with buyer's terminal reciprocation, agreed trade contract, go into order, consisting of secure network with the synchronous payment system of selling bank is connected, the synchronous payment system of login selling bank is finished gathering or reimbursement, after the seller sends goods, revise the delivery state of waiting to pay coin with the delivery state password, after the buyer receives qualified goods, buyer's password that the buyer provides is to the seller, and the seller logins the synchronous payment system of buyer bank and pays and wait to pay coin to the seller with synchronous payment system gathering or the buyer of buyer's password by selling bank; After the seller received the return of goods, the seller gave the buyer with seller's password, or the synchronous payment system of login selling bank is return due-in coin to the buyer; The buyer is ready to accept goods defective, consults the allowance ratio with the seller, and the seller revises the weights of waiting to pay coin with the weights password, realizes partial payment;

The synchronous payment system of buyer bank: form secure network with buyer's terminal, the synchronous payment system of selling bank and be connected, comprise data storage device and data processing equipment, data processing equipment is accepted authentication, login and order; Virtual, the composite currencies of data processing equipment, with cash virtual for due-in coin, wait to pay a coin, with due-in coin, wait to pay a coin and be complex as cash; Data processing equipment is paid, receives due-in coin, is waited to pay coin and a cash; Data processing equipment safe transfer buyer password, seller's password, weights password, state password, pressure password etc.;

The synchronous payment system of selling bank: form secure network with buyer bank synchronous payment system, seller's computer system and be connected, comprise data storage device and data processing equipment, data processing equipment is accepted authentication, login and order; Data processing equipment is paid, receives due-in coin, is waited to pay coin and a cash, and data processing equipment transmits buyer's password, seller's password, weights password, state password, forces password etc.;

Secure communication network: between the synchronous payment system of buyer bank and the synchronous payment system of selling bank, use dedicated network to consist of secure communication between seller's computer system and the synchronous payment system of selling bank to be connected, perhaps between the synchronous payment system of buyer's terminal and buyer bank, the network between seller's computer system and the synchronous payment system of selling bank, between the synchronous payment system of buyer bank and the synchronous payment system of selling bank, be to be erected at VPN (virtual private network) on the public network to consist of secure communication and connect at least.

2. synchronous payment system according to claim 1 is characterized in that:

Described buyer's terminal is microcomputer, notebook computer, embedded computer, panel computer, smart mobile phone, ATM(ATM (Automatic Teller Machine)), one of POS machine.

3. synchronous payment system according to claim 1 is characterized in that:

Described seller's computer system is microcomputer, microcomputer server, notebook computer, embedded computer, panel computer, smart mobile phone, ATM(ATM (Automatic Teller Machine)) and the LAN (Local Area Network) system that consists of by network access device.

4. synchronous payment system according to claim 1 is characterized in that:

The synchronous payment system of described buyer bank is supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation or terminal and the LAN (Local Area Network) system that consists of by network access device thereof.

5. synchronous payment system according to claim 1 is characterized in that:

The synchronous payment system of described selling bank is supercomputer server, mainframe computer server, medium-size computer server, small-size computer server, microcomputer server, microcomputer workstation and terminal and the LAN (Local Area Network) system that consists of by network access device thereof.

6. each described synchronous payment system in 5 according to claim 1 is characterized in that:

Described secure communication network is dedicated network or is erected at VPN (virtual private network) on the public network, described VPN (virtual private network) is to have adopted tunneling technique, encryption and decryption technology, key management technology and user and equipment identities authentication techniques, at the dedicated network that common network is set up, described public network is by public telephone network (PSTN), global mobile communication network (GSM), GPRS network (GPRS), CDMA network (CDMA), WCDMA network (WCDMA), 3G network, the 4G network, community network system for the formation of next generation network (NGN) or LAN (Local Area Network) accessing Internet.

7. each described synchronous payment system in 6 according to claim 1 is characterized in that:

The data storage device of the synchronous payment system of described buyer bank is used for the storage buyer open an account information and Transaction Information, comprising: the information memory cell of opening an account, accounts information storage unit, sequence information storage unit, log-on message storage unit, payment process information memory cell, payoff matrix storage unit, value-added service information memory cell;

The data processing equipment of the synchronous payment system of described buyer bank is processed delivery operation, comprising: Main Processor Unit, the authenticated client processing unit, the processing unit of accepting an order, order filing processing unit, the order query unit, cryptography processing units, the secure communication unit, the savings account operating unit, the funds transfer unit, the replacement password unit, the buyer paid processing unit, automatic reimbursement unit, delivery state is revised the unit, power of amendment value cell, bank collects the commission unit, the seller unit of collecting money, buyer's processing unit of paying the bill, seller's reimbursement processing unit, the buyer reclaims the fund unit, the passive automatic Payment Unit of the buyer, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, the value-added service unit;

Wherein, authenticated client processing unit response buyer user authenticates, logins synchronous payment system, the processing unit of accepting an order is capable to become order, the operation of buyer paid processing unit processes buyer paid, in the synchronous payment system of buyer bank, produce and wait to pay coin, buyer's password, due-in coin, seller's password, weights password, state password, force password, wait to pay coin and charge to buyer's account, encrypt and send buyer's password to the buyer; The synchronous payment system of buyer bank is paid the seller by the synchronous payment system of selling bank with due-in coin, encrypt and send seller's password, weights password, state password to the seller, seller's request that the synchronous payment system of the cell processing seller by selling bank waits to pay coin with buyer's code extraction of collecting money, or buyer's processing unit processes buyer paid of paying the bill waits to pay the request of coin to the seller; The funds transfer cell response seller is with treating that pair coin and due-in coin extract the request that cash deposits seller's account in; Seller's reimbursement processing unit receives the due-in coin that the seller returns, and the buyer reclaims the fund unit and receives the buyer with the request of the due-in coin of seller's code extraction, returns due-in coin from the synchronous payment system of selling bank; The funds transfer cell response buyer is with treating that pair coin and due-in coin extract the request that cash deposits buyer's account in; Force processing unit to carry out the L. A. payment by law court.

8. each described synchronous payment system in 7 according to claim 1 is characterized in that:

The synchronous payment system of described selling bank comprises data storage device, data processing equipment; The data storage device stores seller open an account information and Transaction Information comprise: the information memory cell of opening an account, accounts information storage unit, sequence information storage unit, log-on message storage unit, payment process information memory cell, payoff matrix storage unit, value-added service information memory cell;

Data processing equipment is processed payment, comprising: Main Processor Unit, the authenticated client processing unit, the processing unit of accepting an order, query unit, the order query unit, cryptography processing units, the secure communication unit, the savings account operating unit, the funds transfer unit, the payment processes unit, automatic reimbursement unit, power of amendment value cell, buyer's processing unit of paying the bill, the seller unit of collecting money, commission is shared the unit, seller's reimbursement processing unit, the buyer reclaims the fund unit, commission discount unit, people at highest risk's query unit, the seller applies for automatic Payment Unit, application lawsuit unit, force processing unit, ask artificial service unit, the system help unit, value-added service unit (business reputation service subelement, the mediation service subelement, the advertising service subelement, the authentication service subelement, put to the proof the information on services subelement);

9. realize the synchronously method of payment to 8 described synchronous payment systems according to claim 1 for one kind, it is characterized in that the method comprises:

A: virtual, composite currencies, accept an order processing unit with cash virtual for due-in coin, wait to pay a coin; The funds transfer unit with due-in coin, wait to pay a coin and be complex as cash;

B: pay due-in coin, the buyer paid processing unit will be waited to pay coin and charge to buyer's account, encrypt and send buyer's password to the buyer; The buyer paid processing unit is paid the seller by the synchronous payment system of selling bank with due-in coin, encrypts to send seller's password, weights password, state password to the seller; The buyer occupies and waits to pay a coin, and the seller occupies due-in coin, has realized the control of both parties to payment process;