CN107609866A - E-payment based on ideal money, electronic funds method and device - Google Patents

Abstract

The present invention provides a kind of electric paying method and device based on ideal money, and a kind of electronic funds method and device based on ideal money.Wherein, electric paying method includes：It is dynamically determined currency conversion algorithm；According to the currency conversion algorithm, the ideal money information for representing the actual delivery amount of money is generated according to the actual delivery amount of money；By the way that the ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account, virtual payment is carried out；Information of admitting what one has said or done corresponding to the ideal money information is sent to beneficiary；Detect whether the beneficiary has confirmed that virtual payment success, and authentication is carried out to the beneficiary；If detecting, the beneficiary has confirmed that virtual payment success and the authentication to the beneficiary according to the actual delivery amount of money by carrying out actual delivery.The present invention can effectively prevent the payment information in electronic payment process from revealing, and improve the security of e-payment.

Description

E-payment based on ideal money, electronic funds method and device

Technical field

The present invention relates to e-payment technical field, more particularly to a kind of electric paying method and dress based on ideal money Put, and a kind of electronic funds method and device based on ideal money.

Background technology

With ecommerce and the fast development of development of Mobile Internet technology, e-payment such as Web bank, Alipay, wechat Payment etc. is quickly popularized, and e-payment refers to that unit, individual are direct or authorize other people to send payment by electric terminal and referred to Order, realize currency Zhi Fuyu funds transfer behavior, be based on electronic communication and realize use digital cash sub tally The payment method that coin is paid, have can cross-region pay, independent of physical currency, to be not required to small change, convenient and swift etc. excellent E-payment can be achieved by intelligent terminals such as computer, mobile phones in point, user.

Existing e-payment, mainly paying party or beneficiary are by obtaining the electronic account of other side, then to the 3rd Square payment platform (such as Alipay, wechat) or bank initiate transfer request, and Third-party payment platform or bank verify other side's account Family is legal, then transfer amounts is transferred into beneficiary account from paying party account, payment process is completed by transferring accounts.

Because the essence of e-payment is the communication of data, the leakage of payment information is inevitably faced, steals, usurp Change and the safety problem such as forge, for example, during beneficiary account and payment are sent to bank by paying party, such as believed Cease stolen party and intercept the communication data, and beneficiary account is distorted and is uploaded to bank again for the account of information stealth side, that The fund of paying party will be stolen；And for example, paying party has been known by stealing the transfer request of paying party in information stealth side Identity and authentication information, then the identity that can forges paying party uploads transfer request, so as in the unwitting feelings of paying party The fund of paying party is stolen under condition；For another example, for paying party when beneficiary account is obtained, stolen party forges beneficiary account, Also result in the loss of paying party fund.

In the prior art, mainly the data of transmission are carried out using means such as data encryption, electronic signature, authentications Protection and the legitimacy of checking paying party and beneficiary identity, but the possibility that data are cracked, steal and forged is still suffered from, The report for having user's bank capital to disappear suddenly often in life is reported in media, accordingly, it is desirable to provide a kind of effectively prevent from paying Information leakage, the safer e-payment solution stolen, distort and forged.

The content of the invention

For in the prior art the defects of, the present invention provides a kind of electric paying method and device based on ideal money, And a kind of electronic funds method and device based on ideal money, effectively to prevent letting out for payment information in electronic payment process Reveal, steal, distort and forge, improve the security of e-payment.

In a first aspect, the present invention provides a kind of electric paying method based on ideal money, including：

Currency conversion algorithm is dynamically determined, wherein, the currency conversion algorithm includes the type of ideal money and the class The exchange rate between the ideal money and actual delivery currency of type；

According to the currency conversion algorithm, the virtual goods for representing the actual delivery amount of money is generated according to the actual delivery amount of money Coin information, the ideal money information include the type and the ideal money amount of money of ideal money；

By the way that the ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account, virtually propped up Pay；

Information of admitting what one has said or done corresponding to the ideal money information is sent to beneficiary, so that the beneficiary is according to Information of admitting what one has said or done carries out authentication to paying party and determines whether to confirm virtual payment success；

Detect whether the beneficiary has confirmed that virtual payment success, and authentication is carried out to the beneficiary；

If detecting, the beneficiary has confirmed that virtual payment success and the authentication to the beneficiary passes through root Actual delivery is carried out according to the actual delivery amount of money.

Optionally, it is described to be dynamically determined currency conversion algorithm, including：

According to the size of the actual delivery amount of money, one is selected from default currency conversion algorithm data-base according to preset rules Individual currency conversion algorithm；Or

Using random algorithm, a currency conversion algorithm is randomly choosed from default currency conversion algorithm data-base；Or Person

One random number of random generation determines as the exchange rate between ideal money and actual delivery currency according to the exchange rate Currency conversion algorithm.

Optionally, it is described by the way that the ideal money information is transferred accounts to the virtual account of beneficiary by paying party virtual account Family, virtual payment is carried out, including：

The ideal money information transferred accounts by paying party virtual account by using block chain technology virtual to beneficiary Account, carry out virtual payment.

Optionally, whether the detection beneficiary confirms virtual payment success, including：

Whether confirmation for the virtual payment that beneficiary upload is had in inquiry block chain；

If so, then judge that beneficiary confirms virtual payment success.

Optionally, it is described to beneficiary progress authentication, including：

Identity is carried out by voice communication interaction, net cast interaction or interaction of multimedia information to the beneficiary to recognize Card.

Optionally, it is described to send the information of admitting what one has said or done corresponding to the ideal money information to beneficiary, including：

The information of admitting what one has said or done corresponding to the ideal money information is sent to gathering by voice communication and/or video communication Side, the information of admitting what one has said or done include the information of admitting what one has said or done of speech form, and/or the information of admitting what one has said or done of visual form.

Optionally, the information of admitting what one has said or done includes paying party identity information；Or

The information of admitting what one has said or done includes the code of paying party identity information and the currency conversion algorithm.

Optionally, it is described that actual delivery is carried out according to the actual delivery amount of money, including：

The actual delivery amount of money is transferred accounts to beneficiary reality by paying party real account by using block chain technology Account, carry out actual delivery；Or

The actual delivery amount of money is reduced by paying party real account, and beneficiary real account increases the reality Payment, carry out actual delivery.

Optionally, it is described to send the information of admitting what one has said or done corresponding to the ideal money information to beneficiary, including：

Sent after information of admitting what one has said or done corresponding to the ideal money information is encrypted to beneficiary.

Optionally, it is described to beneficiary progress authentication, including：

The legitimacy and correctness of the identity of the beneficiary are authenticated.

Second aspect, the present invention provide a kind of payment devices based on ideal money, including：

Transfer algorithm determining module, for being dynamically determined currency conversion algorithm, wherein, the currency conversion algorithm includes void Intend the exchange rate between the type of currency and the ideal money and actual delivery currency of the type；

Ideal money generation module, for according to the currency conversion algorithm, institute to be represented according to the generation of the actual delivery amount of money The ideal money information of the actual delivery amount of money is stated, the ideal money information includes the type and ideal money gold of ideal money Volume；

Dummy payments module, for by the way that the ideal money information is transferred accounts to gathering by paying party virtual account Square virtual account, carry out virtual payment；

Admit what one has said or done information sending module, for the information of admitting what one has said or done corresponding to the ideal money information to be sent to beneficiary, So that the beneficiary is admitted what one has said or done according to, information carries out authentication to paying party and determines whether to confirm virtual payment success；

Beneficiary authentication module, for carrying out authentication to the beneficiary, and the detection beneficiary is It is no to have confirmed that virtual payment success；

Actual delivery module, if for detecting that the beneficiary has confirmed that virtual payment success and to the beneficiary Authentication according to the actual delivery amount of money by then carrying out actual delivery.

Optionally, the transfer algorithm determining module, including：

First transfer algorithm determining unit, for the size according to the actual delivery amount of money, according to preset rules from default A currency conversion algorithm is selected in currency conversion algorithm data-base；Or

Second transfer algorithm determining unit, for using random algorithm, from default currency conversion algorithm data-base with Machine selects a currency conversion algorithm；Or

3rd transfer algorithm determining unit, for generate at random a random number as ideal money and actual delivery currency it Between the exchange rate, currency conversion algorithm is determined according to the exchange rate.

Optionally, the dummy payments module, including：

Block chain virtual payment unit, for by using block chain technology that the ideal money information is empty by paying party Intend account transfer to beneficiary virtual account, carry out virtual payment.

Optionally, the beneficiary authentication module, including：

Block chain detection unit, for inquire about in block chain whether have beneficiary upload for the virtual payment really Recognize information；

Virtual payment judging unit, for if so, then judging that beneficiary confirms virtual payment success.

Optionally, the beneficiary authentication module, including：

Multimedia identification authenticating unit, for passing through voice communication interaction, net cast interaction or interaction of multimedia information Authentication is carried out to the beneficiary.

Optionally, the information sending module of admitting what one has said or done, including：

Voice and video transmitting element, believe for the ideal money will to be corresponded to by voice communication and/or video communication The information of admitting what one has said or done of breath is sent to beneficiary, the information of admitting what one has said or done includes the information of admitting what one has said or done of speech form, and/or visual form is recognized Account information.

Optionally, the information of admitting what one has said or done includes paying party identity information；Or

The information of admitting what one has said or done includes the code of paying party identity information and the currency conversion algorithm.

Optionally, the actual delivery module, including：

Block chain actual delivery unit, for by using block chain technology that the actual delivery amount of money is real by paying party Border account transfer carries out actual delivery to beneficiary real account；Or

The amount of money increases and decreases payment unit, for reducing the actual delivery amount of money, and gathering by paying party real account Square real account increases the actual delivery amount of money, carries out actual delivery.

Optionally, the information sending module of admitting what one has said or done, including：

Information of admitting what one has said or done encrypts transmitting element, after the information of admitting what one has said or done corresponding to the ideal money information is encrypted Send to beneficiary.

Optionally, the beneficiary authentication module, including：

Beneficiary identification authenticating unit, legitimacy and correctness for the identity to the beneficiary are authenticated.

The third aspect, the present invention provide a kind of electronic funds method based on ideal money, including：

Whether detection beneficiary virtual account receives the ideal money information of the representative actual delivery amount of money of paying party transmission；

The information of admitting what one has said or done that the paying party is sent is received, authentication and true is carried out to paying party according to the information of admitting what one has said or done It is fixed whether to confirm virtual payment success；

Confirm virtual payment success after, to the paying party send authentication information so that the paying party according to The authentication information carries out authentication to the beneficiary；

Receive the actual delivery amount of money of the paying party actual delivery.

Fourth aspect, the present invention provide a kind of electronic funds device based on ideal money, including：

Virtual payment detection module, the actual branch of representative of paying party transmission whether is received for detecting beneficiary virtual account Pay the ideal money information of the amount of money；

Admit what one has said or done information receiving module, the information of admitting what one has said or done sent for receiving the paying party, according to the information pair of admitting what one has said or done Paying party carries out authentication and determines whether to confirm virtual payment success；

Authentication information sending module, for after virtual payment success is confirmed, authentication letter to be sent to the paying party Breath, so that the paying party carries out authentication according to the authentication information to the beneficiary；

Actual delivery receiving module, for receiving the actual delivery amount of money of the paying party actual delivery.

As shown from the above technical solution, the electric paying method provided by the invention based on ideal money, by dynamic really Fixed currency conversion algorithm generation represents the ideal money information of the actual delivery amount of money, and carries out void using the ideal money information Intend pay, the authentication to the beneficiary by and detect the beneficiary have confirmed that virtual payment success after, then Carry out actual delivery.Compared to prior art, the present invention carries out virtual payment first, and reality is carried out again after virtual payment success Pay, and complete with virtual payment process the confirmation of the identity validation and payment between paying party and beneficiary, herein On the basis of carry out actual delivery again, stolen party will steal the fund of paying party, during not only distorting or forging actual delivery The information of transmission, the information transmitted during virtual payment is also distorted or forge, and because ideal money information is according to dynamic The currency conversion algorithm generation that state determines, stolen party can not also determine that it actual is represented even if ideal money information has been stolen Meaning, this information for just forging or distorting virtual payment for it cause difficulty, and the completion for being additionally, since final actual delivery relies on Result of the virtual payment successfully and to beneficiary authentication whether is confirmed in beneficiary, it may therefore be assured that receiving virtual The beneficiary of payment is exactly desired beneficiary, even if there occurs the leakage of payment information, distorting and forging, is received can't detect Money side confirms virtual payment success, beneficiary virtual payment success unconfirmed or to beneficiary authentication not in the case of It is also impossible to property being transferred in stolen party's account, so as to which the loss of realized property will not be caused.To sum up, the technology of the present invention side Case can effectively prevent the payment information in electronic payment process from revealing, and improve the security of e-payment.

A kind of payment devices based on ideal money provided by the invention, electronic funds method and apparatus, it is and above-mentioned Based on the electric paying method of ideal money for identical inventive concept, there is identical beneficial effect.

Brief description of the drawings

, below will be to specific in order to illustrate more clearly of the specific embodiment of the invention or technical scheme of the prior art The required accompanying drawing used is briefly described in embodiment or description of the prior art.

Fig. 1 shows a kind of flow chart for electric paying method based on ideal money that the embodiment of the present invention one provides；

Fig. 2 shows the schematic diagram that the executive agent that the embodiment of the present invention two provides is paying party client；

Fig. 3 shows a kind of structural representation for payment devices based on ideal money that the embodiment of the present invention three provides Figure；

Fig. 4 shows a kind of flow chart for electronic funds method based on ideal money that the embodiment of the present invention four provides；

Fig. 5 shows a kind of structural representation for electronic funds device based on ideal money that the embodiment of the present invention five provides Figure.

Embodiment

The embodiment of technical solution of the present invention is described in detail below in conjunction with accompanying drawing.Following examples are only used for Clearly illustrate technical scheme, therefore be intended only as example, and the protection of the present invention can not be limited with this Scope.

It should be noted that unless otherwise indicated, the technical term or scientific terminology that the present invention uses should be this hair The ordinary meaning that bright one of ordinary skill in the art are understood.

The present invention provides a kind of electric paying method and device based on ideal money, and a kind of based on ideal money Embodiments of the invention are illustrated by electronic funds method and device below in conjunction with the accompanying drawings.

Embodiment one：

Fig. 1 is refer to, it illustrates a kind of electric paying method based on ideal money that the embodiment of the present invention one provides Flow chart, as shown in figure 1, the embodiment of the present invention one provide a kind of electric paying method based on ideal money, including with Lower step：

Step S101：Currency conversion algorithm is dynamically determined, wherein, the currency conversion algorithm includes the type of ideal money The exchange rate between the ideal money and actual delivery currency of the type.

Wherein, the ideal money is the digital cash with network payment ability of electronic form, in electronic game Reading coin used in the virtual gold coin that is used in the game money that uses, electronic emporium, electronics bookstore etc., ideal money and reality The border currency of payment (such as RMB, dollar) is converted by the exchange rate of setting, in the embodiment of the present invention one, the virtual goods Coin can be any one existing ideal money or the new ideal money of self-defined establishment.

It is considered that the first purpose that the embodiment of the present invention one introduces ideal money is paying the bill instead of actual delivery currency Communicated between person and collector, to confirm the identity of payment person and collector, and avoid information stealth side from knowing accordingly The size of the actual delivery amount of money, in order to avoid virtual payment information is forged or distorted in information stealth side, (virtual payment information can be with Including information such as ideal money information, paying party virtual account, beneficiary virtual accounts), the ideal money and actual delivery goods The exchange rate between coin should be avoided known to information stealth side, on the other hand, can use dynamic approach true in the embodiment of the present invention one Order coin transfer algorithm, embodiment can have it is a variety of, accordingly, the basis of any embodiment in embodiment one On, carry out following exemplary explanation：

A kind of illustrative embodiments are that step S101 can specifically include：According to the size of the actual delivery amount of money, according to Preset rules select a currency conversion algorithm from default currency conversion algorithm data-base.In which, it can build in advance Currency conversion algorithm data-base is found, a variety of currency conversion algorithms, every kind of currency conversion are stored in the currency conversion algorithm data-base Algorithm has its corresponding unique identification's (such as code, numbering), in addition it is also necessary to algorithms selection rule is pre-set, should The actual delivery amount of money can be divided into multiple sections in rule, each section dynamically or statically with currency conversion algorithm number It is associated according to any currency conversion algorithm in storehouse, so, in payment process each time, you can according to the actual delivery amount of money Size, select from default currency conversion algorithm data-base a currency conversion to calculate according to the default algorithms selection rule Method, so that the exchange rate that the currency conversion algorithm uses can not be known in information stealth side.

Another illustrative embodiments are that step S101 can specifically include：Using random algorithm, from default currency A currency conversion algorithm is randomly choosed in transfer algorithm database.Which is similar to a upper embodiment, needs also exist for pre- Currency conversion algorithm data-base is first set, and difference is, in payment process each time, determines which is selected using random algorithm Currency conversion algorithm, the embodiment of the present invention do not limit specific random algorithm, any one random algorithm of the prior art The embodiment of the present invention is all applied to, to realize that the purpose of the exchange rate can not be known in information stealth side.

Another illustrative embodiments is that step S101 can specifically include：One random number of random generation is as virtual The exchange rate between currency and actual delivery currency, currency conversion algorithm is determined according to the exchange rate.In which, virtual goods is not limited The type (any one all can, can determine at random) of coin, but in payment process each time, using Generating Random Number One random number of generation is as the exchange rate at random, and then determines currency conversion algorithm, can equally realize that information stealth side can not obtain Know the purpose of the exchange rate.

Step S102：According to the currency conversion algorithm, the actual delivery gold is represented according to the generation of the actual delivery amount of money The ideal money information of volume, the ideal money information include the type and the ideal money amount of money of ideal money.

After currency conversion algorithm is determined by step S101, you can turned according to the actual delivery amount of money according to the currency The ideal money amount of money corresponding to the exchange rate calculating of scaling method, type and the ideal money so as to the ideal money according to selection The amount of money generates the ideal money information of the actual delivery amount of money.

Step S103：By the way that the ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account, Carry out virtual payment.

This step S103 be used for carry out virtual payment, its embodiment can have it is a variety of, in the embodiment of the present invention one It is illustrative below on the basis of middle any embodiment：

A kind of illustrative embodiments are that step S103 can specifically include：Virtual account is established using third-party server User data storehouse, for storing the virtual account of each user, payment direction third-party server sends virtual payment request, by institute State third-party server the ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account, carry out virtual Pay.

Another illustrative embodiments are that step S103 can specifically include：By using block chain technology by described in Ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account, carries out virtual payment., can when which is implemented To establish a database account book safeguarded by multiple users share in block chain, it is stored with each user's in the database account book Virtual account and the corresponding ideal money amount of money, the operation such as transferred accounts by realization of being kept accounts in the database account book.For example, can Represent what is virtually transferred accounts from paying party virtual account to beneficiary virtual account to upload one into the database account book Virtual record of transferring accounts, realizes the virtual payment to beneficiary virtual account.It is easily understood that above-mentioned payment process is made for folk prescription Industry, exist and turn the potential safety hazard such as wrong account, in order to eliminate the potential safety hazard, beneficiary receive transfer accounts after can be directed to the void Plan, which transfers accounts to record, uploads a confirmation, after the confirmation is appended into the virtual record of transferring accounts this can be made virtually to turn Account record comes into force, and completes virtual payment.Because block chain has the characteristics that decentralization, can not distort, safe and reliable, therefore, Using present embodiment, it is ensured that virtual payment process it is safe and reliable, it is ensured that ideal money is accurately transferred accounts empty to beneficiary Intend account.

Another illustrative embodiments is that step S103 can specifically include：Respectively in paying party client and gathering Virtual account database is established in square client, is respectively used to store paying party virtual account and beneficiary virtual account, in void When intending paying, paying party client directly sends the ideal money information to beneficiary client, paying party virtual account Virtual payment amount is reduced, beneficiary virtual account increases the virtual payment amount, completes virtual payment process.

Step S104：Information of admitting what one has said or done corresponding to the ideal money information is sent to beneficiary, so that the gathering Root admits what one has said or done information to paying party progress authentication described in and determines whether to confirm virtual payment success.

Wherein, the information of admitting what one has said or done is mainly used in authentication of the beneficiary to paying party, therefore, in the embodiment of the present invention In one on the basis of any embodiment, the information of admitting what one has said or done includes paying party identity information, the beneficiary receive it is described After information of admitting what one has said or done, authentication can be carried out to paying party according to the information of admitting what one has said or done, specifically, carrying out body to the paying party Part certification, can include：The legitimacy and correctness of the identity of the paying party are authenticated.

For beneficiary, whether expection can be met according to the ideal money information received in beneficiary virtual account To judge whether to confirm virtual payment success.Because ideal money information is generated by paying party or virtual payment server, Beneficiary is not aware that the size for the actual delivery amount of money that the ideal money information represents, and therefore, judges that ideal money information is No to meet expection, a kind of mode is the exchange rate that the currency conversion algorithm as described in paying party informs beneficiary uses, by gathering root The size of the actual delivery amount of money of ideal money information representative is calculated according to the exchange rate, is then according to the actual delivery amount of money It is no to meet ideal money information described in anticipation and decision and whether meet expection, or by beneficiary according to the exchange rate and it is receivable to reality Border payment calculates the receivable ideal money information arrived, then according to this it is receivable to the ideal money amount of money with actually receiving The ideal money amount of money whether unanimously judge whether the ideal money information meets expection；Another way is that paying party is informed The receivable ideal money amount of money arrived of beneficiary, by beneficiary according to this it is receivable to the ideal money amount of money it is virtual with actually receiving Whether amount of currency unanimously judges whether the ideal money information meets expection.

Based on described above, in the embodiment of the present invention one on the basis of any embodiment, the information of admitting what one has said or done may be used also With including the exchange rate, the code of the currency conversion algorithm or the receivable ideal money amount of money arrived, so that the gathering Whether the ideal money information that root determines to receive according to the information of admitting what one has said or done meets expection, and further determines whether to confirm virtually to prop up Pay successfully.

It is contemplated that above-mentioned embodiment should be avoided the exchange rate, the receivable virtual goods arrived when implementing The coin amount of money or the paying party identity information are leaked to information stealth side, therefore, this step simultaneously with the ideal money information S104 can have numerous embodiments when implementing：

A kind of embodiment is：The information of admitting what one has said or done is sent to by gathering using the communication link different from virtual payment Side, to avoid information stealth side while steal virtual payment information and information of admitting what one has said or done.

Another embodiment is：The information of admitting what one has said or done can be according to the exchange rate or the receivable ideal money amount of money arrived The dark text of generation, the mark than currency conversion algorithm as will be described are sent to beneficiary, so, information stealth as information of admitting what one has said or done The exchange rate, even if having stolen the information of admitting what one has said or done, can not also be known in the case of no currency conversion algorithm data-base in side, So as to which the actual delivery amount of money can not be learnt.

Another embodiment is：Beneficiary is sent to after after the information of admitting what one has said or done is encrypted, beneficiary is according to right The plaintext for information of being admitted what one has said or done described in being obtained after the decipherment algorithm decryption answered, information stealth side are not possessing the corresponding decipherment algorithm When can not also learn the exchange rate or the receivable ideal money amount of money arrived, can be used in the embodiment symmetric cryptography and The cipher modes such as asymmetric encryption.

In addition, another embodiment is：It will correspond to the ideal money by voice communication and/or video communication to believe The information of admitting what one has said or done of breath is sent to beneficiary, the information of admitting what one has said or done includes the information of admitting what one has said or done of speech form, and/or visual form is recognized Account information.For example, paying party and beneficiary, which carry out voice or video communication, paying party, to inform gathering by voice or video The mark of the Fang Suoshu exchange rate, the receivable ideal money amount of money arrived or the currency conversion algorithm, beneficiary lead to according to voice Letter interaction or net cast interaction can carry out authentication to paying party, and whether the ideal money information for determining to receive accords with Close and be expected；In addition, paying party can also record the multimedia messages such as short-sighted frequency and be sent to beneficiary, beneficiary is according to more matchmakers Body information carries out authentication to paying party.

Being presented above the information leakage that avoids admitting what one has said or done causes the exchange rate, the receivable ideal money amount of money or described arrived The illustrative embodiments that paying party identity information is known by information stealth side, those skilled in the art can be according to the above description With actual demand after rationally changing or combining implement, it all should be within protection scope of the present invention.

Step S105：Detect whether the beneficiary has confirmed that virtual payment success, and body is carried out to the beneficiary Part certification.

After the completion of virtual payment, it is necessary to detect beneficiary whether confirm virtual payment success, if beneficiary not confirm, Or beneficiary confirms virtual payment failure or can't detect whether beneficiary confirms the successful information of virtual payment, then says It is bright potential safety hazard to be present, it is not possible to carry out actual delivery.

Wherein, in the embodiment of the present invention one on the basis of any embodiment, beneficiary is detected described in step S105 Whether confirm virtual payment success, can be specifically according to whether the expression for receiving beneficiary transmission confirms virtual payment success Acknowledgement information detected, receive the acknowledgement information then judge beneficiary confirm virtual payment success；For passing through block chain The situation of virtual payment is carried out, whether there can also be beneficiary to upload by inquiring about in block chain is directed to the virtual payment really Information is recognized to judge whether beneficiary confirms virtual payment success, if there is the confirmation, it is virtual to judge that beneficiary confirms Pay successfully；In addition, paying party and beneficiary can also carry out voice or video communication, beneficiary can pass through voice or video The success of paying party virtual payment is informed, confirmation is carried out in paying party client by paying party and operates, beneficiary client can be with According to whether detect that above-mentioned confirmation operation determines whether beneficiary confirms virtual payment success.

In addition, it is also necessary to authentication is carried out to beneficiary, to further ensure that beneficiary is exactly to pay desired one Side, ensure the legitimacy and correctness of the beneficiary of actual delivery.The basis of any embodiment in the embodiment of the present invention one On, it is described that authentication is carried out to the beneficiary, it can include：The legitimacy and correctness of the identity of the beneficiary are entered Row certification.When it is implemented, beneficiary after virtual payment success is confirmed, can send an authentication information to paying party, Paying party is authenticated according to the authentication information to the legitimacy and correctness of the beneficiary, is only passed through in certification Afterwards, actual delivery can just be carried out.

It is similar that the process of authentication is carried out to paying party to above-mentioned beneficiary, any reality in the embodiment of the present invention one It is described that authentication is carried out to the beneficiary on the basis of applying mode, it can include：

Identity is carried out by voice communication interaction, net cast interaction or interaction of multimedia information to the beneficiary to recognize Card.For example, paying party and beneficiary carry out voice or video communication, paying party interacts according to voice communication interaction or net cast Authentication can be carried out to beneficiary；In addition, beneficiary can also record the multimedia messages such as short-sighted frequency and be sent to payment Side, paying party carry out authentication according to the multimedia messages to beneficiary.It is easily understood that lead in progress voice or video During letter, authentication of the beneficiary to paying party, and authentication of the paying party to beneficiary can be realized simultaneously.

In addition, paying party and beneficiary can be in a manner of the self-defined progress authentications to beneficiary, for example, to described Before beneficiary carries out authentication, paying party can specify a kind of identification authentication mode of any of the above to recognize beneficiary progress identity Card；Accordingly, beneficiary can also specify a kind of identification authentication mode of any of the above to carry out authentication to paying party.

Step S106：If detecting, the beneficiary has confirmed that virtual payment success and to the authentication of the beneficiary By then carrying out actual delivery according to the actual delivery amount of money.

If can't detect the beneficiary has confirmed that virtual payment is successful, or the authentication to the beneficiary is not led to Cross, then explanation there may be potential safety hazard, without actual delivery.

It should be noted that in this step S106, a variety of embodiments can be had by carrying out actual delivery, in the present invention It is illustrative below in embodiment one on the basis of any embodiment：

A kind of illustrative embodiments are that step S106 can specifically include：Actual account is established using third-party server User data storehouse, for storing the real account of each user, payment direction third-party server sends actual delivery request, by the Tripartite's server deducts the actual delivery amount of money from paying party real account, and increases institute from beneficiary real account The actual delivery amount of money is stated, completes actual delivery.

Another illustrative embodiments are that step S106 can specifically include：It is real from paying party using block chain technology The actual delivery amount of money is deducted in the account of border, and increases the actual delivery amount of money from beneficiary real account, is completed Actual delivery.When which is implemented, a database account book safeguarded by multiple users share, the number can be established in block chain According to the real account and the corresponding real money amount of money that each user is stored with the account book of storehouse, user passes through in the database account book Middle book keeping operation realization such as is transferred accounts at the operation.Represented for example, one can be uploaded into the database account book from paying party real account The actual delivery amount of money is deducted, and increases the note of actually transferring accounts of the actual delivery amount of money from beneficiary real account Record, realizes the actual delivery to beneficiary real account.It is easily understood that above-mentioned payment process is folk prescription operation, exists and turn The potential safety hazards such as wrong account, in order to eliminate the potential safety hazard, beneficiary receive transfer accounts after can be directed to the actual note of transferring accounts Record uploads a confirmation, and the confirmation, which is appended to after the record of actually transferring accounts, can make the actual record life of transferring accounts Effect, complete actual delivery.Because block chain has the characteristics that decentralization, can not distort, safe and reliable, therefore, using this reality Apply mode, it is ensured that actual delivery process it is safe and reliable, it is ensured that real money is accurately transferred accounts to beneficiary real account.

More than, the electronics based on ideal money provided the embodiment of the present invention one is completed by step S101-S106 The process description of method of payment.

The electric paying method based on ideal money that the embodiment of the present invention one provides, passes through the currency conversion being dynamically determined Algorithm generates the ideal money information for representing the actual delivery amount of money, and carries out virtual payment using the ideal money information, right The authentication of the beneficiary by and after detecting that the beneficiary has confirmed that virtual payment success, then carry out actual branch Pay.Compared to prior art, the present invention carries out virtual payment first, carries out actual delivery again after virtual payment success, and with The confirmation that virtual payment process completes identity validation and payment between paying party and beneficiary, is entered again on this basis Row actual delivery, stolen party will steal the fund of paying party, not only distort or forge the information transmitted during actual delivery, The information transmitted during virtual payment is also distorted or forge, and because ideal money information is according to the currency being dynamically determined Transfer algorithm generation, stolen party can not also determine its actual meaning represented even if ideal money information has been stolen, and this is just It is forged or distorted the information of virtual payment and causes difficulty, and be additionally, since the completion of final actual delivery is dependent on beneficiary No confirmation virtual payment success and the result to beneficiary authentication, it may therefore be assured that receiving the gathering of virtual payment Side is exactly desired beneficiary, even if there occurs the leakage of payment information, distorting and forging, confirms void can't detect beneficiary Plan pays successfully, beneficiary virtual payment unconfirmed successfully or beneficiary authentication is not also impossible in the case of by Property is transferred in stolen party's account, so as to cause the loss of realized property.To sum up, technical solution of the present invention can be effective Prevent the payment information in electronic payment process from revealing, improve the security of e-payment.Further, since payment process is cut Into multiple steps associated with each other, there is the abnormal completion that can all influence actual delivery in any one step, therefore, can be effective Avoid abnormal loss, reduction or the mistake for causing user account actual value such as the possible packet loss occurred, broken string under mobile environment The problem of.

Embodiment two：

It should be noted that the execution for the above-mentioned electric paying method based on ideal money that the embodiment of the present invention one provides Main body can be paying party client or paying server, can also be that multiple participants perform completion, example jointly Such as, Fig. 2 is refer to, it illustrates the schematic diagram that the executive agent that the embodiment of the present invention two provides is paying party client, this reality Apply example two be referred to above-described embodiment a part explanation understood, as shown in Fig. 2 paying party client 1 and beneficiary Client 2 is identical client, is each equipped with real account module, empty account module, module of admitting what one has said or done and encrypting module, paying party is first The actual delivery amount of money is inputted in the real account module 11 of paying party client 1, real account module 11 sends the actual delivery amount of money To empty account module 12, empty account module 12 performs step S101, S102 and S103, completes virtual payment, while by the currency of use The mark of transfer algorithm is sent to module 13 of admitting what one has said or done, and module of admitting what one has said or done 13 generates admit what one has said or done information and transmission extremely encryption mould according to the mark Block 14 is encrypted, and the information of admitting what one has said or done after encryption is sent to beneficiary client 2, and beneficiary client 2 receives above-mentioned add After information of admitting what one has said or done after close, encrypting module 24 is called to be decrypted using corresponding decipherment algorithm, the letter of admitting what one has said or done after being decrypted Breath is sent to module 23 of admitting what one has said or done, and module of admitting what one has said or done 23 knows the mark of the currency conversion algorithm of paying party use according to the information of admitting what one has said or done Know, and the mark is sent to empty account module 22, empty account module 22 and calls corresponding currency conversion algorithm to receive according to the mark The ideal money information that money side's virtual account receives is converted to the actual delivery amount of money and is sent to real account module 21, the real account module 21 show that the actual delivery amount of money is confirmed for beneficiary user, if after detecting the operation that beneficiary user represents confirmation, Sent to paying party client 1 and represent the successful receipt of virtual payment, after paying party client 1 receives the receipt, by the reality Account module 11 performs step S105 and S106, completes actual delivery, wherein, step S103, S106 can pass through block Chain 4 is realized.

In above-mentioned payment process, what is transmitted between paying party client 1 and beneficiary client 2 is admitting what one has said or done after encrypting Information, even if information stealth side 3 steals the information of admitting what one has said or done after the encryption, because it does not have corresponding encrypting module, can not yet Information of admitting what one has said or done is identified, is also impossible to distort or forge information of admitting what one has said or done.Further, since step S103, S106 all uses block Chain technology is realized, and block chain technology is using the information transmission protocol that can be traced to the source with data, therefore, information stealth side 3 In whole data transmission procedure, disguise oneself as paying party or beneficiary are impossible to, it is also not possible to payment information is forged, because Under block chain technology, paying party and beneficiary can recognize that the payment information of forgery, so as to the peace for the process of guaranteeing payment Quan Xing.

Embodiment three：

In the above embodiments one, there is provided a kind of electric paying method based on ideal money, it is corresponding, The present invention also provides a kind of payment devices based on ideal money.Fig. 3 is refer to, it is what the embodiment of the present invention three provided A kind of schematic diagram of the payment devices based on ideal money.Because the device embodiment is substantially similar to embodiment of the method, So describing fairly simple, the relevent part can refer to the partial explaination of embodiments of method.Device embodiment described below It is only schematical.

A kind of payment devices based on ideal money that the embodiment of the present invention three provides, including：

Transfer algorithm determining module 101, for being dynamically determined currency conversion algorithm, wherein, the currency conversion algorithm bag Include the exchange rate between the type of ideal money and the ideal money of the type and actual delivery currency；

Ideal money generation module 102, for according to the currency conversion algorithm, being generated and being represented according to the actual delivery amount of money The ideal money information of the actual delivery amount of money, the ideal money information include the type and ideal money gold of ideal money Volume；

Dummy payments module 103, for by by the ideal money information by paying party virtual account transfer accounts to Beneficiary virtual account, carry out virtual payment；

Information sending module of admitting what one has said or done 104, for the information of admitting what one has said or done corresponding to the ideal money information to be sent to gathering Side so that the beneficiary is admitted what one has said or done according to information to paying party carry out authentication and determine whether confirmation virtual payment into Work(；

Beneficiary authentication module 105, for carrying out authentication, and the detection beneficiary to the beneficiary Whether virtual payment success is had confirmed that；

Actual delivery module 106, if for detecting that the beneficiary has confirmed that virtual payment success and to the gathering The authentication of side according to the actual delivery amount of money by then carrying out actual delivery.

Above-mentioned payment devices operationally, on the one hand obtain the actual delivery amount of money of paying party input, on the other hand Transfer algorithm determining module 101 is dynamically determined currency conversion algorithm, and then ideal money generation module 102 is according to actual delivery gold Volume generates the ideal money information for representing the actual delivery amount of money, and is virtually propped up by dummy payments module 103 Pay, sent by information sending module 104 of the admitting what one has said or done information that will admit what one has said or done to beneficiary, then pass through beneficiary authentication module Whether the carry out authentication of 105 pairs of beneficiaries, and the detection beneficiary have confirmed that virtual payment success, are ensuring After the identity of beneficiary is correct, then triggers actual delivery module 106 and carry out actual delivery, so as to effectively prevent e-payment During payment information leakage, improve the safety and reliability of e-payment.

It is considered that the first purpose that the embodiment of the present invention one introduces ideal money is paying the bill instead of actual delivery currency Communicated between person and collector, to confirm the identity of payment person and collector, and avoid information stealth side from knowing accordingly The size of the actual delivery amount of money, in order to avoid virtual payment information is forged or distorted in information stealth side, (virtual payment information can be with Including information such as ideal money information, paying party virtual account, beneficiary virtual accounts), the ideal money and actual delivery goods The exchange rate between coin should be avoided known to information stealth side, on the other hand, in a change embodiment of the embodiment of the present invention three, In embodiment three on the basis of any embodiment, the transfer algorithm determining module 101, it can specifically include following any Transfer algorithm determining unit：

First transfer algorithm determining unit, for the size according to the actual delivery amount of money, according to preset rules from default A currency conversion algorithm is selected in currency conversion algorithm data-base；Or

Second transfer algorithm determining unit, for using random algorithm, from default currency conversion algorithm data-base with Machine selects a currency conversion algorithm；Or

3rd transfer algorithm determining unit, for generate at random a random number as ideal money and actual delivery currency it Between the exchange rate, currency conversion algorithm is determined according to the exchange rate.

In order to ensure the safe and reliable of virtual payment process, it is ensured that ideal money is accurately transferred accounts to beneficiary virtual account, In a change embodiment of the embodiment of the present invention two, in the embodiment of the present invention two on the basis of any embodiment, The dummy payments module 103, can specifically include：

Block chain virtual payment unit, for by using block chain technology that the ideal money information is empty by paying party Intend account transfer to beneficiary virtual account, carry out virtual payment.

It is described in a change embodiment of the embodiment of the present invention three on the basis of above-mentioned change embodiment Beneficiary authentication module 105, it can specifically include：

Block chain detection unit, for inquiring about in block chain the confirmation for the virtual payment for whether thering is beneficiary to upload Information；

Virtual payment confirmation unit, for if so, then judging that beneficiary confirms virtual payment success.

In order that paying party is preferably confirmed to the identity of beneficiary, it is real in a change of the embodiment of the present invention three Apply in mode, the beneficiary authentication module 105, including：

Multimedia identification authenticating unit, for passing through voice communication interaction, net cast interaction or interaction of multimedia information Authentication is carried out to the beneficiary.The identity of paying party is judged for the ease of beneficiary, is appointed in the embodiment of the present invention three On the basis of one embodiment, the information sending module 104 of admitting what one has said or done, including：

Voice and video transmitting element, believe for the ideal money will to be corresponded to by voice communication and/or video communication The information of admitting what one has said or done of breath is sent to beneficiary, the information of admitting what one has said or done includes the information of admitting what one has said or done of speech form, and/or visual form is recognized Account information.

In the embodiment of the present invention three on the basis of any embodiment, the information of admitting what one has said or done is believed including paying party identity Breath；Or the information of admitting what one has said or done includes the code of paying party identity information and the currency conversion algorithm.So that beneficiary according to The information of admitting what one has said or done confirms to the identity of paying party.Include paying party identity information and the currency in the information of admitting what one has said or done In the case of the code of transfer algorithm, the currency that paying party can also determine to use according to the code of the currency conversion algorithm turns Scaling method, so the ideal money information for judging to receive in beneficiary virtual account according to the currency conversion algorithm whether meet it is pre- Phase, and be expected according to whether meeting to judge whether to confirm virtual payment success.

It is described to recognize in a change embodiment of the embodiment of the present invention two in order to avoid the information leakage of admitting what one has said or done Account information sending module 104, it can specifically include：

Information of admitting what one has said or done encrypts transmitting element, for being sent out after the information of admitting what one has said or done corresponding to the ideal money information is encrypted Deliver to beneficiary.

In order to ensure the safe and reliable of actual delivery process, it is ensured that real money is accurately transferred accounts to beneficiary real account, In a change embodiment of the embodiment of the present invention three, in the embodiment of the present invention three on the basis of any embodiment, The actual delivery module 106, including：

Block chain actual delivery unit, for by using block chain technology that the actual delivery amount of money is real by paying party Border account transfer carries out actual delivery to beneficiary real account；Or

The amount of money increases and decreases payment unit, for reducing the actual delivery amount of money, and gathering by paying party real account Square real account increases the actual delivery amount of money, carries out actual delivery.

More than, a kind of embodiment of the payment devices based on ideal money provided for the embodiment of the present invention three is said It is bright.

A kind of payment devices based on ideal money provided by the invention and the above-mentioned electronics branch based on ideal money The method of paying has identical beneficial effect, here is omitted for identical inventive concept.

Example IV：

Fig. 4 is refer to, it illustrates a kind of electronic funds method based on ideal money that the embodiment of the present invention four provides Flow chart, the electronic funds method is worked in coordination reality with the electric paying method provided by the invention based on ideal money Apply, its executive agent is the beneficiary of e-payment, and part related content is carried out in above-described embodiment one, embodiment two Explanation, can refer to above-described embodiment one, the explanation of embodiment two is understood the present embodiment four.

As shown in figure 4, a kind of electronic funds method based on ideal money that the present embodiment four provides, including：

Step S201：Whether detection beneficiary virtual account receives the virtual of the representative actual delivery amount of money of paying party transmission Monetary information.

On the basis of four any embodiment of the embodiment of the present invention, this step S201, it can include：Detection is stored in Whether the beneficiary virtual account in block chain receives the ideal money information of the representative actual delivery amount of money of paying party transmission.

Step S202：The information of admitting what one has said or done that the paying party is sent is received, body is carried out to paying party according to the information of admitting what one has said or done Part certification simultaneously determines whether to confirm virtual payment success.

It is described to receive the payment in this step S202 on the basis of four any embodiment of the embodiment of the present invention The information of admitting what one has said or done just sent, can include：

Information of admitting what one has said or done corresponding to the ideal money information is received by voice communication and/or video communication, it is described to recognize Account information includes the information of admitting what one has said or done of speech form, and/or the information of admitting what one has said or done of visual form.

Optionally, the information of admitting what one has said or done includes paying party identity information；Or the information of admitting what one has said or done includes paying party identity The code of information and the currency conversion algorithm.

It is described to determine whether to confirm virtual payment success on the basis of four any embodiment of the embodiment of the present invention, It can specifically include：

Show the ideal money information；

Determined whether to confirm virtual payment success according to operation of the beneficiary user after the ideal money information is checked. For example whether beneficiary user meets expection according to the ideal money information viewed, it is determined whether confirms virtual payment success.

On the basis of four any embodiment of the embodiment of the present invention, the letter of admitting what one has said or done for receiving the paying party and sending Breath, can include：

Receive the information of admitting what one has said or done encrypted that the paying party is sent；

The information of admitting what one has said or done encrypted is decrypted, obtains information of admitting what one has said or done.

Step S203：After virtual payment success is confirmed, authentication information is sent to the paying party, so that described pair Money root carries out authentication according to the authentication information to the beneficiary.

The identity of beneficiary is more accurately determined for the ease of paying party, in four any embodiment of the embodiment of the present invention On the basis of, it is described to send authentication information to the paying party, so that the paying party is according to the authentication information Authentication is carried out to the beneficiary, can be included：

Certification is sent by voice communication interaction, net cast interaction or interaction of multimedia information to the paying party to believe Breath, so that the paying party carries out authentication to the beneficiary.

Step S204：Receive the actual delivery amount of money of the paying party actual delivery.

On the basis of four any embodiment of the embodiment of the present invention, step S204, institute are realized by block chain technology Stating step S204 can include：

The ideal money information is converted to according to the currency conversion algorithm of the code representative of the currency conversion algorithm The actual delivery amount of money；Wherein, the transfer algorithm includes the type and the type ideal money and actual delivery goods of ideal money The exchange rate between coin；

Beneficiary real account in more new block chain is asked according to the actual delivery amount of money.

On the basis of above-mentioned embodiment, the gathering asked according to the actual delivery amount of money in more new block chain Square real account, it can include：

An expression is uploaded into the actual general ledger for be stored in block chain increases the reality in beneficiary real account The beneficiary account more new record of payment.A kind of electronic funds method based on ideal money provided by the invention with it is above-mentioned Electric paying method based on ideal money is to coordinate to implement, and the two has identical beneficial for identical inventive concept Effect, here is omitted.

Embodiment five：

In the above embodiments four, there is provided a kind of electronic funds method based on ideal money, it is corresponding, The present invention also provides a kind of electronic funds device based on ideal money.Fig. 5 is refer to, it is what the embodiment of the present invention five provided A kind of schematic diagram of the electronic funds device based on ideal money.Because the device embodiment is substantially similar to embodiment of the method, So describing fairly simple, the relevent part can refer to the partial explaination of embodiments of method.Device embodiment described below It is only schematical.

As shown in figure 5, a kind of electronic funds device based on ideal money that the present embodiment five provides, including：

Virtual payment detection module 201, the representative reality of paying party transmission whether is received for detecting beneficiary virtual account The ideal money information of border payment；

Admit what one has said or done information receiving module 202, the information of admitting what one has said or done sent for receiving the paying party, according to the information of admitting what one has said or done Authentication is carried out to paying party and determines whether to confirm virtual payment success；

Authentication information sending module 203, for after virtual payment success is confirmed, authentication to be sent to the paying party Information, so that the paying party carries out authentication according to the authentication information to the beneficiary；

Actual delivery receiving module 204, for receiving the actual delivery amount of money of the paying party actual delivery.

On the basis of any embodiment of the present embodiment five, the virtual payment detection module 201, including：

Block chain virtual payment detection unit, for detecting whether the beneficiary virtual account being stored in block chain receives The ideal money information for the representative actual delivery amount of money that paying party is sent.

On the basis of any embodiment of the present embodiment five, the information receiving module 202 of admitting what one has said or done, it can include：

Voice and video receiving unit, for receiving to correspond to the ideal money by voice communication and/or video communication The information of admitting what one has said or done of information, the information of admitting what one has said or done include the information of admitting what one has said or done of speech form, and/or the information of admitting what one has said or done of visual form.

On the basis of any embodiment of the present embodiment five, the information of admitting what one has said or done includes paying party identity information；Or The information of admitting what one has said or done includes the code of paying party identity information and the currency conversion algorithm.

The identity of beneficiary is more accurately determined for the ease of paying party, in five any embodiment of the embodiment of the present invention On the basis of, the authentication information sending module 203, it can include：

Multimedia messages transmitting element, for passing through voice communication interaction, net cast interaction or interaction of multimedia information Authentication information is sent to the paying party, so that the paying party carries out authentication to the beneficiary.

On the basis of any embodiment of the present embodiment five, the information receiving module 202 of admitting what one has said or done, it can specifically wrap Include：

Ideal money information display unit, for showing the ideal money information；

Virtual payment determining unit, for being determined according to operation of the beneficiary user after the ideal money information is checked Whether virtual payment success is confirmed.For example whether beneficiary user meets expection according to the ideal money information viewed, it is determined that Whether virtual payment success is confirmed.

On the basis of five any embodiment of the embodiment of the present invention, the information receiving module 202 of admitting what one has said or done, it can wrap Include：

Information receiving unit of admitting what one has said or done is encrypted, the information of admitting what one has said or done encrypted sent for receiving the paying party；

Admit what one has said or done information decrypting unit, for the information of admitting what one has said or done encrypted to be decrypted, acquisition is admitted what one has said or done information.

On the basis of five any embodiment of the embodiment of the present invention, the actual delivery receiving module 204 can wrap Include：

Actual delivery amount calculation unit, for the code by the ideal money information according to the currency conversion algorithm The currency conversion algorithm of representative is converted to the actual delivery amount of money；Wherein, the transfer algorithm includes the type of ideal money and is somebody's turn to do The exchange rate between type Virtual currency and actual delivery currency；

Block chain reality account updating block, for being asked the beneficiary in more new block chain real according to the actual delivery amount of money Border account.

On the basis of above-mentioned embodiment, the block chain reality account updating block, it can include：

Block chain more new record transmission sub-unit, represented for uploading one into the actual general ledger for be stored in block chain Increase the beneficiary account more new record of the actual delivery amount of money in beneficiary real account.

A kind of electronic funds device based on ideal money provided by the invention is received with the above-mentioned electronics based on ideal money Money method has identical beneficial effect, here is omitted for identical inventive concept.

In the description of this specification, reference term " one embodiment ", " some embodiments ", " example ", " specifically show The description of example " or " some examples " etc. means specific features, structure, material or the feature bag that the embodiment or example describe It is contained at least one embodiment or example of the present invention.In this manual, to the schematic representation of above-mentioned term necessarily It is directed to identical embodiment or example.Moreover, specific features, structure, material or the feature of description can be at any one Or combined in an appropriate manner in multiple embodiments or example.In addition, in the case of not conflicting, those skilled in the art Member different the embodiments or example and the feature of different embodiments or example described in this specification can be combined and Combination.

It should be noted that the flow chart and block diagram in accompanying drawing show according to the present invention multiple embodiments system, Architectural framework in the cards, function and the operation of method and computer program product.At this point, in flow chart or block diagram Each square frame can represent a part for a module, program segment or code, the part bag of the module, program segment or code Containing one or more executable instructions for being used to realize defined logic function.It should also be noted that at some as the reality replaced In existing, the function of being marked in square frame can also be with different from the order marked in accompanying drawing generation.For example, two continuous sides Frame can essentially be performed substantially in parallel, and they can also be performed in the opposite order sometimes, this according to involved function and It is fixed.It is also noted that the group of each square frame and block diagram in block diagram and/or flow chart and/or the square frame in flow chart Close, function or the special hardware based system of action can be realized as defined in execution, or specialized hardware can be used Combination with computer instruction is realized.

The payment devices based on ideal money and electronic funds device that the embodiment of the present invention is provided can be meters Calculation machine program product, including the computer-readable recording medium of program code is stored, the instruction that described program code includes can For performing the method described in previous methods embodiment, specific implementation can be found in embodiment of the method, will not be repeated here.

It is apparent to those skilled in the art that for convenience and simplicity of description, the system of foregoing description, The specific work process of device and unit, the corresponding process in preceding method embodiment is may be referred to, will not be repeated here.

In several embodiments provided by the present invention, it should be understood that disclosed systems, devices and methods, can be with Realize by another way.Device embodiment described above is only schematical, for example, the division of the unit, Only a kind of division of logic function, can there is other dividing mode when actually realizing, in another example, multiple units or component can To combine or be desirably integrated into another system, or some features can be ignored, or not perform.It is another, it is shown or beg for The mutual coupling of opinion or direct-coupling or communication connection can be by some communication interfaces, device or unit it is indirect Coupling or communication connection, can be electrical, mechanical or other forms.

The unit illustrated as separating component can be or may not be physically separate, show as unit The part shown can be or may not be physical location, you can with positioned at a place, or can also be distributed to multiple On NE.Some or all of unit therein can be selected to realize the mesh of this embodiment scheme according to the actual needs 's.

In addition, each functional unit in each embodiment of the present invention can be integrated in a processing unit, can also That unit is individually physically present, can also two or more units it is integrated in a unit.

If the function is realized in the form of SFU software functional unit and is used as independent production marketing or in use, can be with It is stored in a computer read/write memory medium.Based on such understanding, technical scheme is substantially in other words The part to be contributed to prior art or the part of the technical scheme can be embodied in the form of software product, the meter Calculation machine software product is stored in a storage medium, including some instructions are causing a computer equipment (can be People's computer, server, or network equipment etc.) perform all or part of step of each embodiment methods described of the present invention. And foregoing storage medium includes：USB flash disk, mobile hard disk, read-only storage (ROM, Read-Only Memory), arbitrary access are deposited Reservoir (RAM, Random Access Memory), magnetic disc or CD etc. are various can be with the medium of store program codes.

Finally it should be noted that：Various embodiments above is merely illustrative of the technical solution of the present invention, rather than its limitations；To the greatest extent The present invention is described in detail with reference to foregoing embodiments for pipe, it will be understood by those within the art that：Its according to The technical scheme described in foregoing embodiments can so be modified, either which part or all technical characteristic are entered Row equivalent substitution；And these modifications or replacement, the essence of appropriate technical solution is departed from various embodiments of the present invention technology The scope of scheme, it all should cover among the claim of the present invention and the scope of specification.

Claims (10)

1. A kind of 1. electric paying method based on ideal money, it is characterised in that including：

   Currency conversion algorithm is dynamically determined, wherein, type and the type of the currency conversion algorithm including ideal money The exchange rate between ideal money and actual delivery currency；

   According to the currency conversion algorithm, the ideal money that the actual delivery amount of money is represented according to the generation of the actual delivery amount of money is believed Breath, the ideal money information include the type and the ideal money amount of money of ideal money；

   By the way that the ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account, virtual payment is carried out；

   Information of admitting what one has said or done corresponding to the ideal money information is sent to beneficiary, so that the beneficiary is admitted what one has said or done according to Information carries out authentication to paying party and determines whether to confirm virtual payment success；

   Detect whether the beneficiary has confirmed that virtual payment success, and authentication is carried out to the beneficiary；

   If detecting, the beneficiary has confirmed that virtual payment success and the authentication to the beneficiary is by according to institute State the actual delivery amount of money and carry out actual delivery.
2. 2. according to the method for claim 1, it is characterised in that it is described to be dynamically determined currency conversion algorithm, including：

   According to the size of the actual delivery amount of money, a goods is selected from default currency conversion algorithm data-base according to preset rules Coin transfer algorithm；Or

   Using random algorithm, a currency conversion algorithm is randomly choosed from default currency conversion algorithm data-base；Or

   One random number of random generation determines currency as the exchange rate between ideal money and actual delivery currency according to the exchange rate Transfer algorithm.
3. 3. according to the method for claim 1, it is characterised in that described by the way that the ideal money information is empty by paying party Intend account transfer to beneficiary virtual account, carry out virtual payment, including：

   The ideal money information is transferred accounts to beneficiary virtual account by paying party virtual account by using block chain technology, Carry out virtual payment.
4. 4. according to the method for claim 3, it is characterised in that whether the detection beneficiary confirms virtual payment success, Including：

   Whether confirmation for the virtual payment that beneficiary upload is had in inquiry block chain；

   If so, then judge that beneficiary confirms virtual payment success.
5. 5. according to the method for claim 1, it is characterised in that it is described to beneficiary progress authentication, including：

   Authentication is carried out to the beneficiary by voice communication interaction, net cast interaction or interaction of multimedia information.
6. 6. according to the method for claim 1, it is characterised in that described by corresponding to the letter of admitting what one has said or done of the ideal money information Breath is sent to beneficiary, including：

   The information of admitting what one has said or done corresponding to the ideal money information is sent to beneficiary by voice communication and/or video communication, The information of admitting what one has said or done includes the information of admitting what one has said or done of speech form, and/or the information of admitting what one has said or done of visual form.
7. 7. according to the method for claim 1, it is characterised in that described that actual branch is carried out according to the actual delivery amount of money Pay, including：

   The actual delivery amount of money is transferred accounts to beneficiary real account by paying party real account by using block chain technology, Carry out actual delivery；Or

   The actual delivery amount of money is reduced by paying party real account, and beneficiary real account increases the actual delivery The amount of money, carry out actual delivery.
8. A kind of 8. payment devices based on ideal money, it is characterised in that including：

   Transfer algorithm determining module, for being dynamically determined currency conversion algorithm, wherein, the currency conversion algorithm includes virtual goods The exchange rate between the type of coin and the ideal money and actual delivery currency of the type；

   Ideal money generation module, for according to the currency conversion algorithm, the reality to be represented according to the generation of the actual delivery amount of money The ideal money information of border payment, the ideal money information include the type and the ideal money amount of money of ideal money；

   Dummy payments module, for empty to beneficiary by the way that the ideal money information is transferred accounts by paying party virtual account Intend account, carry out virtual payment；

   Admit what one has said or done information sending module, for the information of admitting what one has said or done corresponding to the ideal money information to be sent to beneficiary, so that The beneficiary admits what one has said or done information to paying party progress authentication according to and determines whether to confirm virtual payment success；

   Beneficiary authentication module, for carrying out authentication to the beneficiary, and whether the detection beneficiary Confirm virtual payment success；

   Actual delivery module, if for detecting that the beneficiary has confirmed that virtual payment success and to the identity of the beneficiary Certification according to the actual delivery amount of money by then carrying out actual delivery.
9. A kind of 9. electronic funds method based on ideal money, it is characterised in that including：

   Whether detection beneficiary virtual account receives the ideal money information of the representative actual delivery amount of money of paying party transmission；

   The information of admitting what one has said or done that the paying party is sent is received, authentication and determination are carried out to paying party according to the information of admitting what one has said or done is No confirmation virtual payment success；

   After virtual payment success is confirmed, authentication information is sent to the paying party, so that the paying party is according to Authentication information carries out authentication to the beneficiary；

   Receive the actual delivery amount of money of the paying party actual delivery.
10. A kind of 10. electronic funds device based on ideal money, it is characterised in that including：

    Virtual payment detection module, the representative actual delivery gold of paying party transmission whether is received for detecting beneficiary virtual account The ideal money information of volume；

    Admit what one has said or done information receiving module, the information of admitting what one has said or done sent for receiving the paying party, according to the information of admitting what one has said or done to payment Fang Jinhang authentications simultaneously determine whether to confirm virtual payment success；

    Authentication information sending module, for after virtual payment success is confirmed, authentication information to be sent to the paying party, with The paying party is set to carry out authentication to the beneficiary according to the authentication information；

    Actual delivery receiving module, for receiving the actual delivery amount of money of the paying party actual delivery.