CN103971229A - Virtual currency involved transaction payment method - Google Patents
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- CN103971229A CN103971229A CN201410086642.8A CN201410086642A CN103971229A CN 103971229 A CN103971229 A CN 103971229A CN 201410086642 A CN201410086642 A CN 201410086642A CN 103971229 A CN103971229 A CN 103971229A
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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]
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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
- G06Q30/00—Commerce
- G06Q30/01—Customer relationship services
- G06Q30/015—Providing customer assistance, e.g. assisting a customer within a business location or via helpdesk
- G06Q30/016—After-sales
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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
- G06Q30/00—Commerce
- G06Q30/02—Marketing; Price estimation or determination; Fundraising
- G06Q30/0207—Discounts or incentives, e.g. coupons or rebates
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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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
- G06Q30/0635—Processing of requisition or of purchase orders
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Abstract
The invention provides a virtual currency involved transaction payment method. By using the virtual currency involved transaction payment method, capital trading accounts are established for buyers and sellers, and a transaction payment platform is provided. The virtual currency involved transaction payment method comprises the following steps of establishing payment transaction between a buyer and a seller; generating a payment order form on the transaction payment platform; paying material currency from the buyer to the seller by using the transaction payment platform; and paying virtual currency from the seller to the buyer by using the transaction payment platform. By using the virtual currency involved transaction payment method, material currency transaction payment and virtual currency transaction payment are skillfully fused together, only a virtual currency involved payment order form is required to be set on the payment transaction platform; while material currency transaction is finished, account remitting on virtual currency can be automatically performed by using the payment transaction platform, a virtual currency transaction account and a material currency transaction account of the user can be converted at any time through the transaction payment platform, real rebate and cashback can be realized, a merchant and a consumer have brand-new user experiences, the enthusiasm of the consumer can be promoted, and the sales promotion channel of the merchant can be expanded.
Description
Technical field
The present invention relates to network trading payment technical field.
Background technology
Current a lot of transaction payment platform, for example common website of bank or network third party transaction platform, conventionally only possesses the trading function of entity currency, granting and transaction for ideal money, such as returning profit or integration etc., by other transaction payment platform, undertaken, the transaction platform of ideal money is independent of the transaction platform of entity currency, businessman provides ideal money to client and can only have the transaction system with ideal money to return profit or integrated form, can not be directly and entity currency be related, need to can realize the exchange of counter-example or integration by loaded down with trivial details manual operation, or these return profit or integration is merely able to use on the platform of ideal money, this just makes client arbitrarily ideal money and entity currency to be exchanged at any time, cause client to exchange the stand-by period long, such as waiting after returning the clearing of sharp platform Yu Fanli businessman, could obtain, or client exchanges strict restriction, for example must when consuming next time, just can use ideal money to deduct, this feedback profit that can not realize truly, and be a kind of marketing tool, for businessman and consumer, obtain truly return fast and effectively existing, be only a kind of situation of doulbe-sides' victory.
Summary of the invention
Technical matters to be solved by this invention is to provide a kind of transaction payment method that relates to ideal money, entity monetary payoff and dummy payments are merged on a platform, can automatically carry out entity moneytary operations and ideal money transaction simultaneously, can give full play to the advantage of Internet resources, improve the efficiency of network trading and payment.
The technical scheme that technical solution problem of the present invention adopts is:
A transaction payment method that relates to ideal money, it sets up respectively funds transaction account for the buyer and the seller, and transaction payment platform is provided, and the buyer and the seller's funds transaction account comprises entity moneytary operations account and ideal money trading account separately;
Wherein, the buyer refers to the consumer who pays entity currency for buying a certain commodity or service, commodity or the service of providing is provided the seller, and collect entity currency to obtain the businessman of profit to consumer, entity moneytary operations account refers to that user's (comprising the buyer or the seller) is for paying or take in the account of entity currency, the account can associated user bank account, user can pay entity currency to transaction payment platform by this entity moneytary operations account, or extracts entity currency from transaction payment platform; Ideal money trading account is to be based upon a kind of account in transaction payment platform for each user, for depositing ideal money that user buys, carrying out the transaction of ideal money with other accounts, comprise and pay and collect, can also change by transaction payment platform and entity moneytary operations account.
Described transaction payment method comprises following payment step:
(1) both parties set up payment transaction on transaction payment platform;
(2) transaction payment platform generates payment order according to payment transaction;
(3) transaction payment platform carries out entity monetary payoff from the buyer's entity moneytary operations account to the seller's entity moneytary operations account according to described payment order;
(4) transaction payment platform carries out dummy payments from the seller's ideal money trading account to the buyer's ideal money trading account according to described payment order;
On transaction payment platform, set up each user of account, comprise the buyer and the seller, all have at least one entity moneytary operations account and at least one ideal money trading account, each user's entity moneytary operations account and ideal money trading account are bound on transaction payment platform, transaction payment platform can be drawn account to carry out entity moneytary operations between user's entity moneytary operations account, also can between user's ideal money trading account, draw account and operate with the profit of returning after concluding the business.
Described transaction payment method also comprises following reimbursement step:
(5) buyer sets up reimbursement transaction on transaction payment platform;
(6) transaction payment platform is searched corresponding payment order, is generated reimbursement order and notify the seller;
(7) seller agree to reimbursement transaction payment platform according to reimbursement order, from the seller's entity moneytary operations account, to the buyer's entity moneytary operations account, carry out entity monetary payoff;
(8) transaction payment platform carries out dummy payments from the buyer's ideal money trading account to the seller's ideal money trading account according to reimbursement order.
After payment behavior completes, if Fail Transaction, the buyer can initiate reimbursement to the seller by transaction payment platform and concludes the business, transaction payment platform is searched the payment order of concluding the business corresponding with reimbursement, and notify the seller, obtain after confirmation that the seller agrees to reimbursement, transaction payment platform is according to the payment information of order and the setting of reimbursement order, from the seller's entity moneytary operations account, to the buyer's entity moneytary operations account, carry out the reimbursement of entity currency, and to the seller's ideal money trading account, carry out returning of ideal money from the buyer's ideal money trading account.
For solving the problems of the technologies described above, the present invention is further technical scheme below can also adopting or combine and adopting:
Described payment order comprises funds transaction accounts information, Payment Amount and the transaction payment condition of both parties, the seller that need to conclude the business and the buyer can set transaction by transaction payment platform, transaction payment platform can generate for transaction the order of unique correspondence, and be stored under the seller and the buyer's account, in order to inquiry, order contents comprises whether both parties' information, the account for concluding the business, the condition of transaction payment, payment relate to ideal money etc., transaction payment platform is concluded the business according to order contents, guarantees transaction security; Described reimbursement order is corresponding with described payment order, described reimbursement order also comprises refund amount and refund payment condition, once the unsuccessful reimbursement that needs of concluding the business, reimbursement order is except being associated with payment order, also to set the quantity of reimbursement, whether reimbursement in full, relate to ideal money and return etc., and transaction payment platform is searched the corresponding payment order line operate of going forward side by side according to reimbursement order when processing reimbursement order.
In described step (4) before, described transaction payment method also comprises judging whether described payment transaction relates to the step of ideal money, if judgment result is that and be, carries out described step (4), if the determination result is NO, finishes to pay; Transaction payment platform of the present invention is mainly to return the sharp seller and the transaction between the buyer in order conveniently to provide, and the process of exchanging between simplification ideal money and entity currency, but do not get rid of, be not applicable to not return the sharp seller and the transaction between the buyer yet, both parties are when carrying out transaction setting by this transaction payment platform, can select whether to relate to ideal money transaction (whether returning sharp content), if it's not true, just only carry out three steps above.
In described step (8) before, described transaction payment method also comprises judging whether described reimbursement transaction relates to the step of ideal money, if judgment result is that and be, carries out described step (8), if the determination result is NO, finishes reimbursement; Identical with payment step, reimbursement transaction does not relate to ideal money, so only carries out returning of entity currency, or both parties set reimbursement transaction and do not relate to ideal money, even there is ideal money during payment, during reimbursement, can only return entity currency yet.
In described transaction payment method, the seller can inquire about by transaction payment platform the relevant information of the buyer's ideal money trading account, the ideal money trading account remaining sum that specifically refers to the buyer is for just or negative, if the buyer's ideal money trading account remaining sum is negative, existing malice to buy gains integration by cheating or returns sharp possibility, because relate to, return profit or return and return profit, and the remaining sum of enough not returning in the buyer's ideal money trading account, transaction cannot complete, to the seller, may cause damage, the safety and stability of impact transaction; Transaction payment platform can show the remaining sum that whether has enough reimbursements in the buyer's ideal money trading account, to be or no form performance, and does not show clear and definite number, to protect privacy of user.For example, transaction payment platform can ideal money the mode of credit value show in buyer's ideal money account whether have enough ideal money surpluses, can determine whether relate to it with reference to its credit value the transaction of ideal money with the seller of its transaction.
Described transaction payment method also comprises the step of buying ideal money, and the step of described purchase ideal money comprises:
(1) on the buyer or seller transaction payment platform, set purchase order;
(2) transaction payment platform has intermediary's fund account, and transaction payment platform carries out entity monetary payoff according to the setting of purchase order from the buyer or the seller's the entity moneytary operations account fund account that is situated between wherein;
(3), after completing entity monetary payoff, transaction payment platform is provided ideal money according to purchase order to the buyer or the seller's ideal money trading account.
The seller can carry out by transaction payment platform the purchase of ideal money, enough ideal moneys are deposited in ideal money trading account separately, transaction for ideal money, for example the seller has set and has returned profit in transaction, need to buy the ideal money of respective numbers, deposit in the ideal money trading account of oneself, the transaction of entity currency once the buyer has paid the bill, transaction payment platform will be paid corresponding ideal money to buyer's account the ideal money trading account from the seller; The buyer also can carry out from transaction payment platform the purchase of ideal money, for example in Fail Transaction, need reimbursement and return to return sharp in the situation that, ideal money need to be returned the corresponding seller, so at this time in buyer's account, must ensure the ideal money of enough returning, if before the buyer ideal money to be converted out to quantity inadequate, need to again buy ideal money to complete reimbursement.
In described step (2) before, the step that also comprises the security of checking order, the buyer or the seller are sent to transaction payment platform by the authorization information corresponding with purchase order, and verification mode can be passed through the form of website, mailbox or mobile phone identifying code, guarantees transaction security.
Described transaction payment method also comprises the step of exchanging ideal money, and the step of described exchange ideal money comprises:
(1) buyer or the seller set and exchange order on transaction payment platform;
(2) transaction payment platform reclaims the ideal money in corresponding ideal money trading account according to the setting of exchanging order;
(3), after the recovery that completes ideal money, transaction payment platform carries out entity monetary payoff according to exchanging order Cong Qi intermediary fund account to the buyer or the seller's entity moneytary operations account.
The buyer, after having obtained and returning sharp ideal money, can be exchanged into entity currency by ideal money from transaction payment platform, with obtain truly return now, the seller also can be exchanged into entity currency by unnecessary ideal money by transaction payment platform.
The buyer's ideal money trading account is that ideal money is taken in T-account partially, the seller's ideal money trading account is that ideal money is paid T-account partially, described transaction payment method allows ideal money partially to pay that T-account to ideal money is taken in T-account partially and ideal money is taken in any transaction between T-account partially, forbid that ideal money pays any transaction between T-account partially, restriction ideal money is partially taken in T-account to ideal money and is partially paid the transaction between T-account.Ideal money transaction payment platform is to maintain platform operation by the price difference profit of providing ideal money and reclaim between ideal money, ideal money transaction payment platform is provided price from ideal money to the seller reclaims the price of ideal money to the buyer higher than it, the value of ideal money in two kinds of accounts is different, ideal money flowing between two kinds of accounts also limited, can not between two kinds of accounts, freely circulate arbitrarily, except allow to sell the direction buyer in returning normally profit transaction, pay (ideal money is partially paid T-account to ideal money and partially taken in T-account), also allow to carry out between the buyer exchange (ideal money is taken in any transaction between T-account partially) of ideal money, but do not allow any transaction of (ideal money is paid between T-account partially) between the seller, the seller can only obtain ideal money for returning profit from transaction payment platform, only in reimbursement and return and return sharp in the situation that, just allow the buyer to buyer's's (be ideal money partially take in T-account to ideal money partially take in T-account) transaction, the not restriction if account is not classified, the seller can buy back by any price the ideal money of buyer's gained so, for example platform provide price be 1 minute 5 lis, it is 1 minute that platform reclaims price, and the price that the seller uses 1 minute 2 is bought back ideal money from buyer's hand, the seller can obtain than buying more cheap ideal money from transaction payment platform like this, the buyer can sell than platform and reclaim the higher ideal money of price, formed ideal money black market, the profitless dry running of platform not only now, more easily cause the chaotic payment safety that affects of transaction, therefore be necessary the buyer and the seller's ideal money trading account to be divided into two types.
The invention has the beneficial effects as follows: a kind of transaction payment method that relates to ideal money of the present invention, by setting up transaction payment platform, entity moneytary operations Zhi Fuyu ideal money transaction payment is merged dexterously, as long as set up the pay invoice that relates to accordingly ideal money on payment transaction platform, when completing entity moneytary operations, payment transaction platform can carry out the account of drawing of ideal money automatically, without process manual confirmation, user's ideal money trading account and entity moneytary operations account can be changed by transaction payment platform at any time, that is to say, ideal money can carry out the conversion of entity currency at any time automatically, having realized the profit of returning truly returns existing, also can auto-associating ideal money trading account when reimbursement, loaded down with trivial details manual confirmation and tediously long waiting process have been removed from.For businessman and consumer have brought brand-new user, experience, can promote better consumer's enthusiasm, expand the sales promotion channel of businessman.
Accompanying drawing explanation
Fig. 1 is payment process figure of the present invention.
Fig. 2 is reimbursement process flow diagram of the present invention.
Fig. 3 buys the process flow diagram of ideal money in the present invention.
Fig. 4 exchanges the process flow diagram of ideal money in the present invention.
Fig. 5 is the restriction figure of the circulation of ideal money between dissimilar funds transaction account in the present invention.
Embodiment
Embodiment 1, payment transaction.
With reference to accompanying drawing 1, first a kind of transaction payment method that relates to ideal money of the present invention sets up funds transaction account separately for user's (comprising the buyer and the seller), and provide a transaction payment platform, wherein, the funds transaction account of both parties comprises entity moneytary operations account and ideal money trading account separately, and transaction payment platform has intermediary's fund account of a receipts and expenditures entity currency.
With transaction payment method of the present invention, pay the bill, specifically comprise the following steps:
S101, the buyer and the seller login transaction payment platform by user terminal separately;
S102, conclude the transaction common recognition (on line or under line all can) set up payment transaction by transaction payment platform of the buyer and the seller;
S103, transaction payment platform generates the payment order of a unique correspondence for this payment transaction, this payment order at least comprises entity moneytary operations account and ideal money transaction account information, Payment Amount and the transaction payment condition of both parties, and wherein transaction payment condition comprises whether relating to ideal money transaction (for example return profit or give integration);
S104, the buyer carries out payment affirmation to transaction payment platform;
S105, transaction payment platform carries out entity monetary payoff from the buyer's entity moneytary operations account to the seller's entity moneytary operations account according to payment order;
S106, transaction payment platform judges according to the setting of payment order whether described payment transaction relates to ideal money, for example, when both parties set up transaction, whether the seller has promise to return profit or integration to the buyer, if judgment result is that, be, enter step S107, if the determination result is NO, enter step S108;
S107, transaction payment platform carries out dummy payments from the seller's ideal money trading account to the buyer's ideal money trading account according to payment order;
S108, transaction payment platform sends the information of Transaction Success to both parties, upgrade related account data, and sequence information is stored in the account of both parties.
Embodiment 2, reimbursement transaction.
With reference to accompanying drawing 2, after payment transaction carries out, both parties may can produce reimbursement demand due to a variety of causes, and its reimbursement transaction also can be undertaken by method of the present invention, specifically comprise the following steps: S201, the buyer logins transaction payment platform by user terminal;
S202, the buyer sets up reimbursement transaction at transaction payment platform, and the buyer can be in advance and the consensus reimbursement that carries out of the seller, also can unilaterally initiate reimbursement transaction wait seller confirmation;
S203, transaction payment platform is searched corresponding payment order, and generates corresponding reimbursement order; Corresponding payment order is searched in appointment when transaction payment platform is set up reimbursement transaction according to the buyer, after generating reimbursement order, by corresponding reimbursement information, notifies the seller, reminds the seller confirm or refuse;
S204, the seller agrees to reimbursement and carries out refund payment confirmation to transaction payment platform;
S205, transaction payment platform carries out entity currency refund payment from the seller's entity moneytary operations account to the buyer's entity moneytary operations account according to reimbursement order;
S206, transaction payment platform judges according to the setting of reimbursement order whether described reimbursement transaction relates to ideal money, the whether consensus quantity of returning profit or integration of returning profit or integration and return of returning of both parties for example, if judgment result is that, be, enter step S207, if the determination result is NO, enter step S208;
S207, transaction payment platform carries out dummy payments from the buyer's ideal money trading account to the seller's ideal money trading account according to reimbursement order;
S208, transaction payment platform sends the information of reimbursement Transaction Success to both parties, upgrade related account data, and sequence information is stored in the account of both parties.
Embodiment 3, buy ideal money.
With reference to accompanying drawing 3, as previously mentioned, in transaction payment method of the present invention, the buyer or the seller need to buy the ideal money of some certain in the situation that from transaction payment platform, for returning profit or returning.
The buyer and the seller are duplicate from transaction payment platform in the step of buying ideal money, the purchasing price that difference is them is the price difference to some extent because the type of ideal money capital account is different likely, price difference can be confirmed according to actual conditions, when describing step, the buyer and the seller are referred to as to user, below for user, buy the concrete steps of ideal money:
S301, user logins transaction payment platform by terminal device;
S302, user initiates the purchase request of ideal money to transaction payment platform, comprise the quantity purchase of ideal money, pays the entity moneytary operations account of entity currency and deposits the ideal money trading account of ideal money in;
S303, transaction payment platform generates purchase order according to user's purchase request;
S304, user pays the confirmation of purchase order and carries out Information Authentication to transaction payment platform;
S305, transaction payment platform is confirmed authorization information;
S306, according to the setting of purchase order, the intermediary's fund account from user's entity moneytary operations account to transaction payment platform carries out entity monetary payoff to transaction payment platform;
S307, transaction payment platform according to the setting of purchase order to the ideal money of providing respective numbers in this user's ideal money trading account;
S308, transaction payment platform sends to user the successful information of buying, and upgrades related account data, and purchase order information is stored in this user's account.
Embodiment 4, exchange ideal money.
It is in transaction payment platform of the present invention, to realize a step of really returning present price value that ideal money is exchanged into entity currency, and most important concerning the buyer, the seller also can convert to entity currency by the ideal money in its account according to self-demand.
The buyer and the seller are duplicate from transaction payment platform in the step of exchanging ideal money, the conversion price that difference is them is the price difference to some extent because the type of ideal money capital account is different likely, price difference can be confirmed according to actual conditions, when describing step, the buyer and the seller are referred to as to user, below for user, exchange the concrete steps of ideal money:
S401, user logins transaction payment platform by terminal device;
S402, user initiates the redemption request of ideal money to transaction payment platform, comprise the exchange quantity of ideal money, the ideal money trading account of storing virtual currency and convert out the entity moneytary operations account of entity currency;
S403, transaction payment platform generates and exchanges order according to user's redemption request;
S404, user pays and exchanges Confirmation of Orders and carry out Information Authentication to transaction payment platform;
S405, transaction payment platform is confirmed authorization information;
S406, transaction payment platform reclaims the ideal money of respective numbers according to the setting of exchanging order from user's ideal money trading account;
S407, transaction payment platform pays the entity currency of respective numbers from intermediary's capital account of transaction payment platform to this user's entity moneytary operations account according to the setting of exchanging order;
S408, transaction payment platform sends to user the successful information of exchanging, and upgrades related account data, and is stored in this user's account exchanging sequence information.
In the transaction payment method that relates to ideal money of the present invention, in order to ensure the profit of transaction platform and the transaction order of both parties and transaction security, the buyer and the seller's ideal money trading account is divided into two types, wherein, the buyer's ideal money trading account is that ideal money is taken in T-account partially, the seller's ideal money trading account is that ideal money is paid T-account partially, the buyer's ideal money partially take in T-account can and its entity moneytary operations account between change, for example buy or convert out ideal money, the seller's ideal money partially pay T-account can and its entity moneytary operations account between change, for example buy or exchange ideal money, as shown in Figure 5.In transaction payment method of the present invention, permission ideal money partially takes between T-account and ideal money is paid any transaction that T-account to ideal money is taken in T-account partially partially, the ideal money of forbidding the seller is paid the ideal money transaction between T-account partially, restriction ideal money is partially taken in T-account to ideal money and is partially paid the transaction between T-account, restriction refers under certain condition and allows, for example in reimbursement transaction, by the buyer, to the seller, returned the step of ideal money, the reason of restriction is that ideal money transaction payment platform is to maintain platform operation by the profit between granting ideal money and the price difference of recovery ideal money like this, , it is also different that ideal money pays at ideal money the value that T-account and ideal money take in T-account partially partially, transaction payment platform is partially taken in T-account to ideal money and is sold or reclaim the price of ideal money and will to ideal money, partially pay T-account higher than it, the not restriction if account is not classified, the seller can buy back by any price the ideal money of buyer's gained so, for example platform provide price be 1 minute 5 lis, it is 1 minute that platform reclaims price, and the price that the seller uses 1 minute 2 is bought back ideal money from buyer's hand, the seller can obtain than buying more cheap ideal money from transaction payment platform like this, the buyer can sell than platform and reclaim the higher ideal money of price, formed ideal money black market, the profitless dry running of platform not only now, more easily cause the chaotic payment safety that affects of transaction.
Claims (10)
1. a transaction payment method that relates to ideal money, it is characterized in that: described transaction payment method is set up respectively funds transaction account for the buyer and the seller, and transaction payment platform is provided, the buyer and the seller's funds transaction account comprises entity moneytary operations account and ideal money trading account separately;
Described transaction payment method comprises following payment step:
(1) both parties set up payment transaction on transaction payment platform;
(2) transaction payment platform generates payment order according to payment transaction;
(3) transaction payment platform carries out entity monetary payoff from the buyer's entity moneytary operations account to the seller's entity moneytary operations account according to described payment order;
(4) transaction payment platform carries out dummy payments from the seller's ideal money trading account to the buyer's ideal money trading account according to described payment order;
Described transaction payment method also comprises following reimbursement step:
(5) buyer sets up reimbursement transaction on transaction payment platform;
(6) transaction payment platform is searched corresponding payment order, is generated reimbursement order;
(7) seller agrees to reimbursement, and transaction payment platform carries out entity monetary payoff from the seller's entity moneytary operations account to the buyer's entity moneytary operations account according to reimbursement order;
(8) transaction payment platform carries out dummy payments from the buyer's ideal money trading account to the seller's ideal money trading account according to reimbursement order.
2. a kind of transaction payment method that relates to ideal money as claimed in claim 1, it is characterized in that: described payment order comprises funds transaction accounts information, Payment Amount and the transaction payment condition of both parties, described reimbursement order is corresponding with described payment order, and described reimbursement order also comprises refund amount and refund payment condition.
3. a kind of transaction payment method that relates to ideal money as claimed in claim 1, it is characterized in that: in described step (4) before, described transaction payment method also comprises and judges whether described payment transaction relates to the step of ideal money, if judgment result is that, be, carry out described step (4), if the determination result is NO, finish to pay.
4. a kind of transaction payment method that relates to ideal money as claimed in claim 1, it is characterized in that: in described step (8) before, described transaction payment method also comprises and judges whether described reimbursement transaction relates to the step of ideal money, if judgment result is that, be, carry out described step (8), if the determination result is NO, finish reimbursement.
5. a kind of transaction payment method that relates to ideal money as claimed in claim 1, is characterized in that: in described transaction payment method, the buyer and the seller can inquire about by transaction payment platform the information of counterpart's ideal money trading account.
6. a kind of transaction payment method that relates to ideal money as claimed in claim 1, is characterized in that: described transaction payment method also comprises the step of buying ideal money, and the step of described purchase ideal money comprises:
(1) on the buyer or seller transaction payment platform, set purchase order;
(2) transaction payment platform carries out entity monetary payoff from the buyer or the seller's entity moneytary operations account to transaction payment platform according to purchase order;
(3) transaction payment platform is provided ideal money according to purchase order to the buyer or the seller's ideal money trading account.
7. a kind of transaction payment method that relates to ideal money as claimed in claim 6, it is characterized in that: in described step (2) before, the step that also comprises the security of checking order, the buyer or the seller are sent to transaction payment platform by the authorization information corresponding with purchase order.
8. a kind of transaction payment method that relates to ideal money as claimed in claim 1, is characterized in that: described transaction payment method also comprises the step of exchanging ideal money, and the step of described exchange ideal money comprises:
(1) buyer or the seller set and exchange order on transaction payment platform;
(2) transaction payment platform reclaims the ideal money in corresponding ideal money trading account according to the setting of exchanging order;
(3) transaction payment platform is according to exchanging order from transaction payment platform to the buyer or the seller's entity moneytary operations account is carried out entity monetary payoff.
9. a kind of transaction payment method that relates to ideal money as claimed in claim 8, it is characterized in that: in described step (2) before, the step that also comprises the security of checking order, the buyer or the seller are sent to transaction payment platform by the authorization information corresponding with exchanging order.
10. a kind of transaction payment method that relates to ideal money as described in claim 6 or 8, it is characterized in that: the buyer's ideal money trading account is that ideal money is taken in T-account partially, the seller's ideal money trading account is that ideal money is paid T-account partially, described transaction payment method allows ideal money partially to pay that T-account to ideal money is taken in T-account partially and ideal money is taken in any transaction between T-account partially, forbid that ideal money pays any transaction between T-account partially, restriction ideal money is partially taken in T-account to ideal money and is partially paid the transaction between T-account.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410086642.8A CN103971229A (en) | 2014-03-11 | 2014-03-11 | Virtual currency involved transaction payment method |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| CN201410086642.8A CN103971229A (en) | 2014-03-11 | 2014-03-11 | Virtual currency involved transaction payment method |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN103971229A true CN103971229A (en) | 2014-08-06 |
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| CN201410086642.8A Pending CN103971229A (en) | 2014-03-11 | 2014-03-11 | Virtual currency involved transaction payment method |
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| CN105590196A (en) * | 2014-10-20 | 2016-05-18 | 武汉金像网络科技有限公司 | Method of distributed transaction for website virtual currency |
| CN106557977A (en) * | 2015-09-16 | 2017-04-05 | 百度在线网络技术（北京）有限公司 | Resource exchanging method and device |
| CN106855828A (en) * | 2015-12-09 | 2017-06-16 | 阿里巴巴集团控股有限公司 | A kind of method for processing resource and device |
| CN107230118A (en) * | 2016-03-24 | 2017-10-03 | 阿里巴巴集团控股有限公司 | It is a kind of that the method and apparatus handled is adjusted to jacket and shorts |
| CN107609866A (en) * | 2017-09-13 | 2018-01-19 | 中国科学院大学 | E-payment based on ideal money, electronic funds method and device |
| CN107886316A (en) * | 2016-09-30 | 2018-04-06 | 蒯振宇 | A kind of processing method of net purchase commodity price difference |
| CN108510366A (en) * | 2018-04-02 | 2018-09-07 | 张泽英 | commodity settlement method and device |
| CN108596589A (en) * | 2018-04-27 | 2018-09-28 | 张泽英 | Buy method of payment and device |
| CN108665254A (en) * | 2018-08-07 | 2018-10-16 | 武汉研众科技有限公司 | A kind of dummy payments system based on block chain technology |
| CN108876348A (en) * | 2018-05-25 | 2018-11-23 | 钟臻卓 | A kind of time transaction platform and method of commerce |
| CN108960461A (en) * | 2018-06-22 | 2018-12-07 | 四川华翼共享区块链科技有限公司 | A kind of reservation method based on ideal money |
| CN109064156A (en) * | 2018-06-29 | 2018-12-21 | 拉卡拉汇积天下技术服务（北京）有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN109493075A (en) * | 2018-10-30 | 2019-03-19 | 上海盛付通电子支付服务有限公司 | For determining the method and apparatus of virtual resource object |
| CN110689390A (en) * | 2018-07-04 | 2020-01-14 | 富士电机株式会社 | Commodity sales system |
| CN110930138A (en) * | 2019-11-22 | 2020-03-27 | 中国民航信息网络股份有限公司 | Virtual payment method and system |
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| CN112819449A (en) * | 2015-10-09 | 2021-05-18 | 徐蔚 | Digital currency acquisition method and system |
| CN113409053A (en) * | 2021-06-17 | 2021-09-17 | 北京顶象技术有限公司 | Risk control method and device for virtual currency legal currency transaction |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN105590196A (en) * | 2014-10-20 | 2016-05-18 | 武汉金像网络科技有限公司 | Method of distributed transaction for website virtual currency |
| CN106557977A (en) * | 2015-09-16 | 2017-04-05 | 百度在线网络技术（北京）有限公司 | Resource exchanging method and device |
| CN112819449A (en) * | 2015-10-09 | 2021-05-18 | 徐蔚 | Digital currency acquisition method and system |
| CN106855828A (en) * | 2015-12-09 | 2017-06-16 | 阿里巴巴集团控股有限公司 | A kind of method for processing resource and device |
| CN107230118A (en) * | 2016-03-24 | 2017-10-03 | 阿里巴巴集团控股有限公司 | It is a kind of that the method and apparatus handled is adjusted to jacket and shorts |
| CN107886316A (en) * | 2016-09-30 | 2018-04-06 | 蒯振宇 | A kind of processing method of net purchase commodity price difference |
| CN107609866A (en) * | 2017-09-13 | 2018-01-19 | 中国科学院大学 | E-payment based on ideal money, electronic funds method and device |
| CN107609866B (en) * | 2017-09-13 | 2020-10-30 | 中国科学院大学 | Electronic payment and electronic cash collection method and device based on virtual currency |
| CN108510366A (en) * | 2018-04-02 | 2018-09-07 | 张泽英 | commodity settlement method and device |
| CN108596589A (en) * | 2018-04-27 | 2018-09-28 | 张泽英 | Buy method of payment and device |
| CN108876348A (en) * | 2018-05-25 | 2018-11-23 | 钟臻卓 | A kind of time transaction platform and method of commerce |
| CN108960461A (en) * | 2018-06-22 | 2018-12-07 | 四川华翼共享区块链科技有限公司 | A kind of reservation method based on ideal money |
| CN109064156A (en) * | 2018-06-29 | 2018-12-21 | 拉卡拉汇积天下技术服务（北京）有限公司 | Method of payment, device, electronic equipment and storage medium |
| CN110689390A (en) * | 2018-07-04 | 2020-01-14 | 富士电机株式会社 | Commodity sales system |
| CN108665254A (en) * | 2018-08-07 | 2018-10-16 | 武汉研众科技有限公司 | A kind of dummy payments system based on block chain technology |
| CN109493075A (en) * | 2018-10-30 | 2019-03-19 | 上海盛付通电子支付服务有限公司 | For determining the method and apparatus of virtual resource object |
| CN111435498A (en) * | 2019-01-14 | 2020-07-21 | 阿里巴巴集团控股有限公司 | Cross-border payment processing method and device and electronic equipment |
| CN111435498B (en) * | 2019-01-14 | 2024-04-16 | 阿里巴巴集团控股有限公司 | Cross-border payment processing method and device and electronic equipment |
| WO2021083291A1 (en) * | 2019-10-30 | 2021-05-06 | Shanghai Weilian Information Technology Co., Ltd. | Transaction method, apparatus, device, and system |
| CN112749975A (en) * | 2019-10-31 | 2021-05-04 | 中国移动通信集团浙江有限公司 | Method for automatically processing refund request and automatic processing platform |
| CN112749975B (en) * | 2019-10-31 | 2024-03-22 | 中国移动通信集团浙江有限公司 | Method for automatically processing refund request and automatic processing platform |
| CN110930138A (en) * | 2019-11-22 | 2020-03-27 | 中国民航信息网络股份有限公司 | Virtual payment method and system |
| CN113570442A (en) * | 2020-12-16 | 2021-10-29 | 上海堉古网络科技有限公司 | Financial management system, method, terminal and payment method for agricultural product transaction |
| CN113409053A (en) * | 2021-06-17 | 2021-09-17 | 北京顶象技术有限公司 | Risk control method and device for virtual currency legal currency transaction |
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