CN103927659A - Immediate transfer and secure payment method of virtual currency - Google Patents
Immediate transfer and secure payment method of virtual currency Download PDFInfo
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- CN103927659A CN103927659A CN201410165398.4A CN201410165398A CN103927659A CN 103927659 A CN103927659 A CN 103927659A CN 201410165398 A CN201410165398 A CN 201410165398A CN 103927659 A CN103927659 A CN 103927659A
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- network platform
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- virtual currency
- ideal money
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
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- Engineering & Computer Science (AREA)
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- General Business, Economics & Management (AREA)
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- Theoretical Computer Science (AREA)
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- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
The invention discloses an immediate transfer and secure payment method of virtual currency. Both a buyer and a seller resister and conduct real-name authentication on a network platform, and then trading can be performed on the network platform. The method further includes the following steps that (1) the network platform provides a secret key for a registered user; (2) the buyer sends purchase invitation information to the network platform, and corresponding virtual currency is paid on the network platform; (3) the corresponding virtual currency is blocked on the network platform, and the network platform sends the purchase invitation information of the buyer to the seller; (4) the seller receives the information and then sends corresponding goods to the buyer; (5) the buyer confirms goods receiving information on the network platform after receiving the goods; (6) the network platform deblocks the corresponding virtual currency to be paid to the seller. By means of the immediate transfer and secure payment method of virtual currency, the anonymity of virtual currency can be improved, real-name authentication is established, the third party guarantee mode is used for increasing the payment guarantee function, and the remittance immediacy and safety of virtual currency are improved.
Description
Technical field
The present invention relates to field of computer technology, especially relate to a kind of instant transfer and safe payment method of ideal money.
Background technology
Ideal money refers to a series of point-to-point digital cash based on the name of bitcoin protocol development, they pass through special algorithm, by a large amount of calculating, produce, by recording trading activity by the distributed data base that in this P2P network, numerous nodes form, and guarantee the security in link in ideal money circulation by cryptographic design, the decentralization characteristic of P2P and algorithm itself can be guaranteed to come people for controlling value of money by a large amount of manufacture ideal moneys, based on cryptographic design, can make bit coin be shifted or to pay by real owner, this has realized the anonymity of ideal money entitlement and negotiation equally, while utilizing ideal money to conclude the business, the transaction data of ideal money is packaged into one " data block " and (is called " block ", block) after in, even if transaction has tentatively been confirmed, after block is linked to previous block, trade fair is further confirmed, after obtaining continuously 6 blocks confirmations, this transaction has just irreversibly been confirmed substantially, ideal money peer-to-peer network all transactions history are all stored in " block chain " (blockchain) in, block chain is continuing prolongation, once and new block joins in block chain, just can not be removed again, block chain is actually the user endpoints that a group is disperseed, and the distributed data base being formed by all participants, it is the record to all ideal money transactions history, popular present dummy payments is exactly direct payment, Party A can direct payment ideal money to Party B, Party B confirms gathering, existing ideal money kind is a lot, and it comprises the special coin of bit coin, Lay, bit thigh, unlimited coin, Zero Energy Thermonuclear Assembly (Zeta) coin, red coin, stealthy gold bar, limit coin, ingot coin, wealth bringing in coin, free coin, panda coin, Android coin, than serial ideal moneys such as coin difficult to understand, learning code, vps, bpt, but there are some problems in ideal money transaction, as, due to its anonymity, bank settlement people identity is all unknowable, and the sales risk in transaction lacks guarantee, and transaction itself needs the confirmation of block, the confirmation of block does not need 20 minutes to 1 hour not etc., it is not instant that time is confirmed, ideal money transaction value can change, and may form actual loss.
Summary of the invention
The present invention is the problem existing in existing ideal money process of exchange in order to solve, a kind of ideal money anonymity of improving is provided, increase payment guarantee function, improve instant transfer and the safe payment method of the ideal money of ideal money remittance instantaneity and security.
To achieve these goals, the present invention is by the following technical solutions: a kind of instant transfer and safe payment method of ideal money, the buyer and the seller be registration and real name verification in the network platform respectively, then in the network platform, conclude the business, further comprising the steps of: 1) network platform provides key to registered user; 2) buyer sends to the purchase information of inviting in the network platform, and in the network platform, pays respective virtual currency; 3) network platform is freezed above-mentioned respective virtual currency, and the network platform is bought by the buyer information of inviting and sent to the seller; 4) seller issues the buyer by corresponding goods after receiving information; 5) buyer confirms the information of receiving after receiving in the network platform; 5) thaw above-mentioned respective virtual currency paid the seller of the network platform.In this programme, the network platform is the network platform that storing virtual currency can be provided, private user and enterprise customer provide real name information to register in the network platform as required, and verify that by secret key system stronger cipher manages, by ideal money, in identical network platform internal account transfer and transaction, realize instantaneity, payment by the transfer of accounts function by ideal money has reduced country variant, the cost of the transfer payment between different Currency Types, by freezing guarantee and third party's payment guarantee system, improved the credibility of transaction, strengthened applying of the network platform, so-called freezing be that the network platform locks the ideal money of buyer's information and payment, wouldn't pay the seller, until the buyer confirms after receiving in the network platform again, the network platform unlocks, also thaw, corresponding ideal money is proceeded to seller's account, more existing ideal money service platform, as the bit coin network platform, this programme, solving in the problem of bit coin Secure Transaction, has stepped a very large step, bit coin is well-known, the principle of its anonymity and confirmation transaction is its advantage, is also its maximum shortcoming, the present situation based on current, this programme proposes to use the mode of third party guarantees, not only solve the problem of real name transaction, evaded money laundering equivalent risk, also solved the problem of transaction security, by the network platform independently, provide both sides' transaction funds to assure, when both parties carry out guarantee transaction, buyer's independently network platform of first paying the bill, with regard to not worrying money directly to pay seller, seller does not give the problem of delivery like this, the network platform is freezed this and immediately notifies seller that service (delivery) is provided after receiving geld, buyer receives after commodity, to the network platform, confirms to receive, and the network platform is thawed and paid the bill to seller.
As preferably, described step 2) in, the buyer can select direct payment ideal money to the seller.For as seen, both parties directly meet, and the buyer can directly pay rapidly ideal money.
As preferably, described registration and real name verification mode comprise that computer network registration checking, mobile phone A PP register checking.Private user and enterprise customer are by the registered user in the network platform such as network, mobile communication, mailing system, and carry out real name verification, after checking, can be in the inner rapid payment of the network platform, reduced the time of payment of ideal money, accelerate the application of ideal money, increased the easy degree that business exchange is promoted.
As preferably, described key comprises log-in password checking, global network communication checking, dynamic password verification, mailing system checking.To user, provide many-sided checking means, as long as there is the place of mobile communication or network, can with lower cost, carry out the payment of ideal money, reduced payment cost.
Therefore, the present invention has following beneficial effect: (1) improves ideal money anonymity, has set up real name verification; (2), in third party guarantees mode, increase payment guarantee function; (3) instantaneity and the security of ideal money remittance have been improved.
Accompanying drawing explanation
Fig. 1 is a kind of principle schematic of the present invention.
Fig. 2 is a kind of simplification step schematic diagram of the present invention.
Embodiment
Below in conjunction with accompanying drawing, the present invention will be further described.
Embodiment mono-, as shown in Figure 1, a kind of instant transfer and safe payment method of ideal money, the buyer and the seller be registration and real name verification in the network platform respectively, then in the network platform, conclude the business, further comprising the steps of: 1) network platform provides key to registered user; 2) buyer sends to the purchase information of inviting in the network platform, and in the network platform, pays respective virtual currency; 3) network platform is freezed above-mentioned respective virtual currency, and the network platform is bought by the buyer information of inviting and sent to the seller; 4) seller issues the buyer by corresponding goods after receiving information; 5) buyer confirms the information of receiving after receiving in the network platform; 5) thaw above-mentioned respective virtual currency paid the seller of the network platform.
Specific implementation process is, while using the network platform first, user provides real name information to register in the network platform as required, and carry out real name verification, in the time need to there is buyer-seller relationship in two users that registered, the buyer is by the commodity of required purchase, quantity, price, the information such as the seller and delivery address send in the network platform, and in the network platform, pay respective virtual currency, the network platform is freezed above-mentioned respective virtual currency, the network platform is by the buyer, the commodity that the buyer buys, quantity, price, the information such as delivery address send to the seller, the seller issues the buyer by corresponding goods after receiving information, after receiving, the buyer confirms the information of receiving in the network platform, thaw above-mentioned respective virtual currency paid the seller of the network platform, if the buyer does not confirm goods, list evidence and upload to the network platform, after the side of dealing and network platform tripartite consultation, determine again the right of attribution of bit coin.
Embodiment bis-, as shown in Figure 2, specific implementation process is, user (businessman) buys commodity or service in the network life or real life, need direct payment, user and businessman provide real name information to register in the network platform, and carry out real name verification, user (businessman) can be according to the commodity of buying and the definite payment that needs of service, direct payment currency or ideal money are to businessman, complete pay down, for example, little A and cafe X be registration and real-name authentication in the network platform all, little A goes cafe X to have a cup of coffee, determine it is 0.05btc, little A consumption is complete, directly open network platform bill payment to cafe X ideal money 0.05btc, pay down, pay complete, little A leaves, cafe X receives 0.05btc, can change currency into takes out, also can be stored on platform with the form of ideal money.
Claims (4)
1. instant transfer and the safe payment method of an ideal money, the buyer and the seller be registration and real name verification in the network platform respectively, then in the network platform, conclude the business, it is characterized in that, further comprising the steps of: 1) network platform provides key to registered user; 2) buyer sends to the purchase information of inviting in the network platform, and in the network platform, pays respective virtual currency; 3) network platform is freezed above-mentioned respective virtual currency, and the network platform is bought by the buyer information of inviting and sent to the seller; 4) seller issues the buyer by corresponding goods after receiving information; 5) buyer confirms the information of receiving after receiving in the network platform; 5) thaw above-mentioned respective virtual currency paid the seller of the network platform.
2. instant transfer and the safe payment method of a kind of ideal money according to claim 1, is characterized in that described step 2) in the buyer can select direct payment ideal money to the seller.
3. instant transfer and the safe payment method of a kind of ideal money according to claim 1, is characterized in that, described registration and real name verification mode comprise that computer network registration checking, mobile phone A PP register checking.
4. instant transfer and the safe payment method of a kind of ideal money according to claim 1, is characterized in that, described key comprises log-in password checking, global network communication checking, dynamic password verification, mailing system checking.
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| Application Number | Priority Date | Filing Date | Title |
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| CN201410165398.4A CN103927659A (en) | 2014-04-18 | 2014-04-18 | Immediate transfer and secure payment method of virtual currency |
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| CN201410165398.4A CN103927659A (en) | 2014-04-18 | 2014-04-18 | Immediate transfer and secure payment method of virtual currency |
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| CN103927659A true CN103927659A (en) | 2014-07-16 |
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| CN201410165398.4A Pending CN103927659A (en) | 2014-04-18 | 2014-04-18 | Immediate transfer and secure payment method of virtual currency |
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