CN107886315A

CN107886315A - International payments system based on Φ

Info

Publication number: CN107886315A
Application number: CN201710605150.9A
Authority: CN
Inventors: 陈文辉
Original assignee: Individual
Current assignee: Individual
Priority date: 2017-07-24
Filing date: 2017-07-24
Publication date: 2018-04-06

Abstract

The present invention is applied to international payment, and the international currency exchanges such as traditional dollar are substituted to realize by designing a kind of new currency exchange Φ：Φ is a kind of international payment currency exchange, with international standard quotation in gold, is produced by international payment, and beneficiary the country one belongs to record answers crop, paying party the country one belongs to record to deal with volume, and the receivable Φ amount of money is equal to the amount of money for dealing with Φ after the completion of every payment；The present invention realizes the exchange of country variant currency in international payment by Φ, is divided into funds transfer system and consumption system, and the means of payment is divided into tripartite payment company and pays company with the payment of domestic system for settling account, tripartite and pay, and whole payment system divides 10 subsystems；It is slow that the present invention solves international payment speed, costly, receives, pays side and undertake foreign exchange trading loss.

Description

International payments system based on Φ

Technical field

The present invention relates to internet payment technical field, and one is established specifically by one new currency exchange Φ of design Convertible foreign exchange payment system.

Background technology

Current international payments system is mainly SWIFT, main problems be present：Speed is slow, and the general time of payment is 3 To 7 days；Costly, a payment expense is 20 to 50 dollars, and paying party will also buy foreign currency and be used to pay, and undertake foreign exchange trading Loss.

In current international payment system, the U.S. can be Global offering dollar, and a national monetary policy influences it The monetary policy of his country.

In the international payments system based on Φ, international payment will in real time be completed, significantly dropped without foreign exchange trading loss, expense Low, any national currency can only be used home.

The content of the invention

Φ is a kind of international payment currency exchange, is produced by international payment, and (Central Bank, the country are clear for beneficiary the country one belongs to Calculation system) record and answer crop, paying party the country one belongs to (Central Bank, domestic system for settling account) record to deal with volume, every pays completion The receivable Φ amount of money is equal to the amount of money for dealing with Φ afterwards；Φ and national currency exchange：State's currency is with international standard gold in mistake 10 workaday valencys of averagely exchanging are removed as state's currency and Φ exchange valency, 1 Φ=1% gram international standard gold.

International payments system based on Φ is divided into funds transfer system, consumption system, the means of payment be divided into tripartite pay company with Domestic system for settling account is paid, tripartite pays company and paid, and transaction currency is divided into country of payment's currency, gathering state currency, the 3rd China-made goods Coin, Φ coin, 10 subsystems of whole payment system point.

Brief description of the drawings：

The subsystem tripartite that Fig. 1 is the present invention pays company and the account transfer of domestic system for settling account, country of payment's monetary settlement system；

The subsystem tripartite that Fig. 2 is the present invention pays company and the account transfer of domestic system for settling account, gathering state currency settlement system；

The subsystem tripartite that Fig. 3 is the present invention pays company and the account transfer of domestic system for settling account, the 3rd state's currency settlement system；

The subsystem tripartite that Fig. 4 is the present invention pays company and the account transfer of domestic system for settling account, Φ coin settlement systems；

The subsystem tripartite that Fig. 5 is the present invention pays company's account transfer, country of payment's monetary settlement system；

The subsystem tripartite that Fig. 6 is the present invention pays company's account transfer, gathering state currency settlement system；

The subsystem tripartite that Fig. 7 is the present invention pays company's account transfer, the 3rd state's currency settlement system；

The subsystem tripartite that Fig. 8 is the present invention pays company's account transfer, Φ coin settlement systems；

The subsystem tripartite that Fig. 9 is the present invention pays company and the consumption of domestic system for settling account, gathering state currency settlement system；

The subsystem tripartite that Figure 10 is the present invention pays company's consumption, gathering state currency settlement system.

First, tripartite pays company and the account transfer of domestic system for settling account, country of payment's monetary settlement system

Condition：International payments system connection tripartite based on Φ pays company, domestic system for settling account (Central Bank), payment Side, beneficiary are that tripartite pays the user of company and connects bank account.

A1 states first is to the second payment of A2 states, and transaction currency is A1 states currency, and paying company by tripartite operates, and operation flow is such as Under：

1st, first pays company by tripartite and selects second, and by transferring accounts, function inputs transaction currency, the amount of money.

2nd, tripartite pays company and transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

3rd, information is transmitted to A1 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the world based on Φ Payment system collects the Φ amount of money.

4th, the international payments system based on Φ is collected the Φ amount of money and changes A1 states currency into by A1 country system for settling account, to payment People bank of deposit b1 transmits information：Requestee's title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, open an account Bank, account, A1 states amount of currency, the A1 states amount of currency that the international payments system based on Φ is collected.

5th, requestee bank of deposit b1 to A1 country system for settling account payment (including pay beneficiary the amount of money and be based on The amount of money of Φ international payments system), and transmit information：Requestee's title, the bank of deposit, account, the amount of money, beneficiary country, Payee's name, the bank of deposit, account, A1 states amount of currency, the A1 states amount of currency that the international payments system based on Φ is collected.

6th, the amount of money of the A1 country system for settling account by the currency conversion of A1 states into Φ, record deals with the Φ amount of money, to based on Φ's International payments system transmits information：Paying party country, requestee's title, the bank of deposit, account, the amount of money, exchange rate, Φ gold Volume, beneficiary country, payee's name, the bank of deposit, account, the Φ amount of money, the international payments system based on Φ collect Φ's The amount of money.

7th, information is transmitted to A2 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, payee's name, the bank of deposit, account, the Φ amount of money.

Information is transmitted to A3 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the Φ amount of money, based on Φ International payments system collect the Φ amount of money.

8th, A2 country system for settling account changes Φ into A2 states currency, records the receivable Φ amount of money, to payee bank of deposit c1 Pay the bill and transmit information：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, payee's name, The bank of deposit, account, the amount of money.

A2 country system for settling account transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money.

A3 country system for settling account changes Φ into A3 states currency, is paid to the bank of deposit d1 of the international payments system based on Φ Money, record the receivable Φ amount of money.

A3 country system for settling account transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, payee's name, the bank of deposit, account, the Φ amount of money, the international payment based on Φ The system collection Φ amount of money.

9th, based on Φ international payments system to A1, A2, A3, A4 etc. all domestic systems for settling account and all tripartite's branch Information is transmitted in Fu companies：Merchandise the deadline, transaction currency, the amount of money, paying party country, requestee's title, the bank of deposit, account Number, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, The Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

10th, tripartite pays company and transaction successful information is transferred into requestee's first, payee's second.

System for settling account and all tripartites pay company in the host countries such as international payments system, A1, A2, A3, A4 based on Φ Temporally there are more business (second, 1% second, according to portfolio adjustment time unit) each transaction of journal, same time By sequence number journal：Merchandise the deadline, transaction currency, the amount of money, paying party country, requestee's title, the bank of deposit, account Number, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, The Φ amount of money, the international payments system based on Φ collect the Φ amount of money；The receivable Φ of each country amount of money, the gold for dealing with Φ Volume, Φ remaining sum, list add meter, and the receivable Φ amount of money, the amount of money for dealing with Φ add up to equal, and remaining sum adds up to 0.

System for settling account individually records every receivable Φ of the country amount of money, deals with Φ's in the host countries such as A1, A2, A3, A4 The remaining sum of the amount of money, Φ.

International payments system business based on Φ is completed：Requestee's first bank of deposit b1 fund is paid to the domestic clearances of A1 System, A1 country system for settling account record the amount of money for dealing with Φ；A2 country system for settling account records the receivable Φ amount of money, while to gathering Ren Yi banks of deposit c1 pays the bill；A3 country system for settling account records the receivable Φ amount of money, while to the international payments system based on Φ Bank of deposit d1 pays the bill；The receivable Φ amount of money is equal to the amount of money for dealing with Φ.

2nd, tripartite pays company and the account transfer of domestic system for settling account, gathering state currency settlement system

A1 states first is to the second payment of A2 states, and transaction currency is A2 states currency, and paying company by tripartite operates, and operation flow is such as Under：

3rd, information is transmitted to A2 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

4th, A2 country system for settling account is paid the bill to payee bank of deposit c1 and transmits information：Paying party country, payment name Title, the bank of deposit, account, transaction currency, the amount of money, payee's name, the bank of deposit, account, the amount of money.

A2 country system for settling account changes collection amount into the Φ amount of money, records the receivable Φ amount of money, to the world based on Φ Payment system transmits information：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, beneficiary state Family, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money.

5th, information is transmitted to A1 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange converge The amount of money of rate, Φ, the international payments system based on Φ collect the Φ amount of money.

Information is transmitted to A3 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, The Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

6th, A1 country system for settling account will exchange A1 states currency into Φ, and information is transmitted to requestee bank of deposit b1：Requestee Title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, are based on The A1 states amount of currency that Φ international payments system is collected.

A3 country system for settling account transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, The Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

7th, requestee bank of deposit b1 to A1 country system for settling account payment (including pay beneficiary the amount of money and be based on The amount of money of Φ international payments system), and transmit information：Requestee's title, the bank of deposit, account, the amount of money, beneficiary country, Payee's name, the bank of deposit, account, A1 states amount of currency, the A1 states amount of currency that the international payments system based on Φ is collected.

8th, system for settling account record in the A1 country deals with the Φ amount of money, and information is transmitted to the international payments system based on Φ：Payment Fang Guojia, requestee's title, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, The bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

International payments system business based on Φ is completed：A2 country system for settling account records the receivable Φ amount of money, while to receipts Kuan Ren second bank of deposit c1 pays the bill；Requestee's first bank of deposit b1 fund, which is paid, arrives A1 country system for settling account, the domestic clearances of A1 System records the amount of money for dealing with Φ；A3 country system for settling account records the receivable Φ amount of money, while to the international payment system based on Φ The bank of deposit d1 that unites pays the bill；The receivable Φ amount of money is equal to the amount of money for dealing with Φ.

3rd, tripartite pays company and the account transfer of domestic system for settling account, the 3rd state's currency settlement system

A1 states first is to the second payment of A2 states, and transaction currency is A4 states currency, and paying company by tripartite operates, and operation flow is such as Under：

3rd, information is transmitted to A4 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

4th, A4 country system for settling account changes settlement amounts into the Φ amount of money, and letter is transmitted to the international payments system based on Φ Breath：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary Country, payee's name, the bank of deposit, account.

5th, information is transmitted to A1 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, Account, the international payments system based on Φ collect the Φ amount of money.

Information is transmitted to A2 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account Number.

Information is transmitted to A3 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account Number, the international payments system based on Φ collects the Φ amount of money.

6th, A1 country system for settling account will exchange A1 states currency into Φ, and information is transmitted to requestee bank of deposit b1：Paying party Country, requestee's title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, the bank of deposit, account, A1 China-made goods The coin amount of money, the A1 states amount of currency that the international payments system based on Φ is collected.

A2 country system for settling account changes Φ into A2 states currency, records the receivable Φ amount of money, is paid to payee bank of deposit c1 Money simultaneously transmits information：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, payee's name, are opened Family bank, account, the amount of money.

A3 country system for settling account transmits information to the international payments system based on Φ simultaneously：Paying party country, payment name Title, the bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the state based on Φ Border payment system collects the Φ amount of money.

7th, requestee bank of deposit b1 to A1 country system for settling account payment (including pay beneficiary the amount of money and be based on The amount of money of Φ international payments system), and transmit information：Requestee's title, the bank of deposit, account, the amount of money, beneficiary country, Payee's name, the bank of deposit, account, A1 states amount of currency, the A1 states amount of currency of the international payments system based on Φ.

4th, tripartite pays company and the account transfer of domestic system for settling account, Φ coin settlement systems

A1 states first is to the second payment of A2 states, and transaction currency is Φ coin, and paying company by tripartite operates, and operation flow is as follows：

Information is transmitted to A2 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

Information is transmitted to A3 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the international branch based on Φ Pay the system collection Φ amount of money.

4th, A1 country system for settling account will exchange A1 states currency into Φ, and information is transmitted to requestee bank of deposit b1：Paying party Country, requestee's title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, the bank of deposit, account, A1 China-made goods The coin amount of money, the A1 states amount of currency that the international payments system based on Φ is collected.

A3 country system for settling account transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the international branch based on Φ Pay the system collection Φ amount of money.

5th, requestee bank of deposit b1 to A1 country system for settling account payment (including pay beneficiary the amount of money and be based on The amount of money of Φ international payments system), and transmit information：Paying party country, requestee's title, the bank of deposit, account, the amount of money, Beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, the A1 China-made goods of the international payments system based on Φ The coin amount of money.

6th, system for settling account record in the A1 country deals with the Φ amount of money, and information is transmitted to the international payments system based on Φ：Payment Fang Guojia, requestee's title, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, The bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

7th, based on Φ international payments system to A1, A2, A3, A4 etc. all domestic systems for settling account and all tripartite's branch Information is transmitted in Fu companies：Merchandise the deadline, transaction currency, the amount of money, paying party country, requestee's title, the bank of deposit, account Number, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, The Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

8th, tripartite pays company and transaction successful information is transferred into requestee's first, payee's second.

5th, tripartite pays company's account transfer, country of payment's monetary settlement system

Condition：International payments system connection tripartite based on Φ pays company, and paying party, beneficiary are that tripartite pays company User and connect bank account.

1st, first pays company M by tripartite and selects second, and by transferring accounts, function inputs transaction currency, the amount of money.

2nd, A1 tripartite pays the amount of money that company M changes Payment Amount into Φ, and letter is transmitted to the international payments system based on Φ Breath：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary Country, payee's name, the bank of deposit, account.

3rd, company M transmission information is paid to A1 tripartite based on Φ international payments system：Requestee's title, the bank of deposit, Account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, are based on Φ international payments system collects the Φ amount of money.

Company M transmission information is paid to A2 tripartite based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, Account.

Company M transmission information is paid to A3 tripartite based on Φ international payments system：Requestee's title, the bank of deposit, account Number, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, based on Φ International payments system collect the Φ amount of money.

4th, the international payments system based on Φ is collected Φ and changes A1 states currency into by A1 tripartite's payment company M, is opened to requestee Family bank b1 transmits information：Requestee's title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, silver of opening an account Row, account, A1 states amount of currency, the A1 states amount of currency that the international payments system based on Φ is collected.

A2 tripartite pays company M and changes Φ into A2 states currency, records the receivable Φ amount of money, is paid to payee bank of deposit c1 Money simultaneously transmits information：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, payee's name, are opened Family bank, account, the amount of money.

A2 tripartite pays company M and transmits information to the international payments system based on Φ：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange converge The amount of money of rate, Φ.

A3 tripartite pays company M and changes Φ into A3 states currency, is paid to the bank of deposit d1 of the international payments system based on Φ Money, record the receivable Φ amount of money.

A3 tripartite pays company M and transmits information to the international payments system based on Φ：Requestee's title, the bank of deposit, account Number, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, based on Φ International payments system collect the Φ amount of money.

5th, requestee bank of deposit b1 pays company's M payments to A1 tripartite (includes the amount of money and base of payment beneficiary In the amount of money of Φ international payments system), and transmit information：Paying party country, requestee's title, the bank of deposit, account, gold Volume, beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, the A1 of the international payments system based on Φ State's amount of currency.

6th, A1 tripartite pays the amount of money that company M records deal with Φ, and information is transmitted to the international payments system based on Φ：Payment Fang Guojia, requestee's title, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, The bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

7th, company M transmission information is paid to A1, A2, A3, A4 etc. all tripartites based on Φ international payments system：Transaction Deadline, transaction currency, the amount of money, paying party country, requestee's title, the bank of deposit, account, the amount of money, exchange rate, Φ The amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the world based on Φ Payment system collects the Φ amount of money.

8th, A1, A2 tripartite pay company M and transaction successful information are transferred into requestee's first, payee's second.

All tripartites such as international payments system, A1, A2, A3, A4 based on Φ pay company M temporally (second, 1% second, root According to portfolio adjustment time unit) each transaction of journal, there are more business the same time by sequence number journal：Transaction Deadline, transaction currency, the amount of money, paying party country, requestee title, the bank of deposit, account, the amount of money, exchange rate, Φ The amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the world based on Φ Payment system collects the Φ amount of money；The receivable Φ of each country amount of money, the amount of money for dealing with Φ, Φ remaining sum, list add meter, should The amount of money for receiving Φ, the amount of money for dealing with Φ add up to equal, and remaining sum adds up to 0.

All tripartites such as A1, A2, A3, A4 pay company M and individually record the amount of money of every domestic receivable Φ, deal with Φ's The remaining sum of the amount of money, Φ.

International payments system business based on Φ is completed：Requestee's first bank of deposit b1 fund pays to A1 tripartite and paid Company M, A1 tripartite pay the amount of money that company M records deal with Φ；A2 tripartite pays company M and records the receivable Φ amount of money, while to Payee's second bank of deposit c1 pays the bill；A3 tripartite pays company M and records the receivable Φ amount of money, while to the international payment based on Φ System bank of deposit d1 pays the bill；The receivable Φ amount of money is equal to the amount of money for dealing with Φ.

6th, tripartite pays company's account transfer, gathering state currency settlement system

2nd, A1 tripartite pays company M and pays company M transmission information to A2 tripartite：Paying party country, requestee's title, open an account Bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

3rd, A2 tripartite pays company M and is paid the bill to payee bank of deposit c1 and transmit information：Paying party country, payment name Title, the bank of deposit, account, transaction currency, the amount of money, payee's name, the bank of deposit, account, the amount of money.

A2 tripartite pays the amount of money that company M changes collection amount into Φ, the receivable Φ amount of money is recorded, to the world based on Φ Payment system transmits information：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, beneficiary state Family, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money.

4th, company M transmission information is paid to A1 tripartite based on Φ international payments system：Paying party country, payment name Title, the bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange The amount of money of the exchange rate, Φ, the international payments system based on Φ collect the Φ amount of money.

Company M transmission information is paid to A3 tripartite based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange converge The amount of money of rate, Φ, the international payments system based on Φ collect the Φ amount of money.

5th, A1 tripartite pays company M and changes Φ into A1 states currency, and information is transmitted to requestee bank of deposit b1：Payment name Title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, based on Φ The A1 states amount of currency collected of international payments system.

A3 tripartite pays company M and transmits information to the international payments system based on Φ：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange converge The amount of money of rate, Φ, the international payments system based on Φ collect the Φ amount of money.

6th, requestee bank of deposit b1 pays company's M payments to A1 tripartite (includes the amount of money and base of payment beneficiary In the amount of money of Φ international payments system), and transmit information：Paying party country, requestee's title, the bank of deposit, account, gold Volume, beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, the A1 of the international payments system based on Φ State's amount of currency.

7th, A1 tripartite pays the amount of money that company M records deal with Φ, and information is transmitted to the international payments system based on Φ：Payment Fang Guojia, requestee's title, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, The bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the international payments system based on Φ collect the Φ amount of money.

8th, company M transmission information is paid to A1, A2, A3, A4 etc. all tripartites based on Φ international payments system：Transaction Deadline, transaction currency, the amount of money, paying party country, requestee's title, the bank of deposit, account, the amount of money, exchange rate, Φ The amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, the world based on Φ Payment system collects the Φ amount of money.

9th, A1, A2 tripartite pay company M and transaction successful information are transferred into requestee's first, payee's second.

7th, tripartite pays the account transfer of company side, the 3rd state's currency settlement system

2nd, A1 tripartite pays company M and pays company M transmission information to A4 tripartite：Paying party country, requestee's title, open an account Bank, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

3rd, A4 tripartite pays the amount of money that company M changes settlement amounts into Φ, and letter is transmitted to the international payments system based on Φ Breath：Paying party country, requestee's title, the bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary Country, payee's name, the bank of deposit, account.

4th, company M transmission information is paid to A1 tripartite based on Φ international payments system：Paying party country, payment name Title, the bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, silver of opening an account Row, account, the international payments system based on Φ collect the Φ amount of money.

Company M transmission information is paid to A3 tripartite based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, Account, the international payments system based on Φ collect the Φ amount of money.

A3 tripartite pays company M and transmits information to the international payments system based on Φ：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, Account, the international payments system based on Φ collect the Φ amount of money.

8th, tripartite pays company's account transfer, Φ coin settlement systems

2nd, A1 tripartite pays company M and transmits information to the international payments system based on Φ：Requestee's title, the bank of deposit, Account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

3rd, company M transmission information is paid to A1 tripartite based on Φ international payments system：Paying party country, payment name Title, the bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the state based on Φ Border payment system collects the Φ amount of money.

Company M transmission information is paid to A2 tripartite based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account.

Company M transmission information is paid to A3 tripartite based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the world based on Φ Payment system collects the Φ amount of money.

4th, A1 tripartite pays company M and changes Φ into A1 states currency, and information is transmitted to requestee bank of deposit b1：Payment name Title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, based on Φ The A1 states amount of currency collected of international payments system.

A3 tripartite pays company M and transmits information to the international payments system based on Φ：Paying party country, requestee's title, The bank of deposit, account, transaction currency, the amount of money, beneficiary country, payee's name, the bank of deposit, account, the world based on Φ Payment system collects the Φ amount of money.

9th, tripartite pays company and the consumption of domestic system for settling account, gathering state currency settlement system

A1 states first is consumed at A2 states second, and transaction currency is A2 states currency, and paying company by tripartite operates, operation flow It is as follows：

1st, second pays company's transmission information to tripartite：Beneficiary pays title, the collection amount of company, payment in the tripartite Fang Guojia, requestee pay the title of company in the tripartite.

2nd, tripartite pays company and transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money.

3rd, information is transmitted to A2 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money.

4th, A2 country system for settling account is paid the bill to payee bank of deposit c1 and transmits information：Paying party country, payment name Title, the bank of deposit, account, payee's name, the bank of deposit, account, the amount of money.

A2 country system for settling account changes collection amount into the Φ amount of money, records the receivable Φ amount of money, to the world based on Φ Payment system transmits information：Paying party country, requestee's title, the bank of deposit, account, beneficiary country, payee's name, are opened Family bank, account, the amount of money, exchange rate, the Φ amount of money.

5th, information is transmitted to A1 country system for settling account based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, are based on Φ international payments system collects the Φ amount of money.

Information is transmitted to A3 country system for settling account based on Φ international payments system：Paying party country, requestee's title, open Family bank, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, based on Φ International payments system collect the Φ amount of money.

6th, A1 country system for settling account will exchange A1 states currency into Φ, and information is transmitted to requestee bank of deposit b1：Requestee Title, the bank of deposit, account, the amount of money, beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, are based on The A1 states amount of currency of Φ international payments system.

A3 country system for settling account transmits information to the international payments system based on Φ：Paying party country, requestee's title, open Family bank, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, based on Φ International payments system collect the Φ amount of money.

7th, requestee bank of deposit b1 to A1 country system for settling account payment (including pay beneficiary the amount of money and be based on The amount of money of Φ international payments system), and transmit information：Paying party country, requestee's title, the bank of deposit, account, the amount of money, Beneficiary country, payee's name, the bank of deposit, account, A1 states amount of currency, the A1 China-made goods of the international payments system based on Φ The coin amount of money.

Tenth, tripartite pays company's consumption, gathering state currency settlement system

2nd, A2 tripartite pays company M and is paid the bill to payee bank of deposit c1 and transmit information：Paying party country, payment name Title, the bank of deposit, account, payee's name, the bank of deposit, account, the amount of money.

A2 tripartite pays the amount of money that company M changes collection amount into Φ, the receivable Φ amount of money is recorded, to the world based on Φ Payment system transmits information：Paying party country, requestee's title, the bank of deposit, account, beneficiary country, payee's name, are opened Family bank, account, the amount of money, exchange rate, the Φ amount of money.

3rd, company M transmission information is paid to A1 tripartite based on Φ international payments system：Paying party country, payment name Title, the bank of deposit, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, International payments system based on Φ collects the Φ amount of money.

Company M transmission information is paid to A3 tripartite based on Φ international payments system：Paying party country, requestee's title, The bank of deposit, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, are based on Φ international payments system collects the Φ amount of money.

A3 tripartite pays company M and transmits information to the international payments system based on Φ：Paying party country, requestee's title, The bank of deposit, account, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, the Φ amount of money, are based on Φ international payments system collects the Φ amount of money.

International payments system business based on Φ is completed：A2 tripartite pays company M and records the receivable Φ amount of money, while to receipts Kuan Ren second bank of deposit c1 pays the bill；Requestee's first bank of deposit b1 fund pays to A1 tripartite and pays company M, and A1 tripartite pays Company M records the amount of money for dealing with Φ；A3 tripartite pays company M and records the receivable Φ amount of money, while to the international payment based on Φ System bank of deposit d1 pays the bill；The receivable Φ amount of money is equal to the amount of money for dealing with Φ.

Exemplary application 1：

Child Wang Zhi 20000 yuan of the RMB of remittance that Chinese Wang Mingxiang goes to school in Britain, is paid by wechat.

Operating condition：International payments system connection wechat China platform, wechat Britain platform, China based on Φ are clear Calculation system, Britain's country's system for settling account, it is micro- that Wang Ming, which is the user of wechat and connects it in account, the Wang Zhi of the Industrial and Commercial Bank of China, The user of letter simultaneously connects its account in the Hong Kong and Shanghai Banking Corporation of Britain, and the international payments system based on Φ is opened an account in Bank of China.1 gram of state Border standard gold=300 yuan=34 pound, 1 Φ=3 yuan=0.34 pound.Operating process is as follows：

1st, Wang Ming is transferred accounts to 20000 yuan of Wang Zhi RMB by handset Wechat.

2nd, wechat platform transmits information to the international payments system based on Φ：Requestee Wang Ming, China of the bank of deposit are industrial and commercial Bank, account number, 20000 yuan of Payment Amount RMB, king aim at the Hong Kong and Shanghai Banking Corporation of the bank of deposit of Britain, account number.

3rd, information is transmitted to China system for settling account based on Φ international payments system：Requestee Wang Ming, the bank of deposit The Industrial and Commercial Bank of China, account number, 20000 yuan of Payment Amount RMB, king aim at the Hong Kong and Shanghai Banking Corporation of the bank of deposit of Britain, account number, base 10 Φ are collected in Φ international payments system.

4th, the international payments system based on Φ is collected 10 Φ and is exchanged into 30 yuan of RMB, Xiang Gong by China system for settling account Information is transmitted in business bank：Requestee Wang Ming, account, 20030 yuan of Payment Amount, beneficiary 1：Britain, payee Wang Zhi, Britain converge Feng Yinhang, account, 20000 yuan, beneficiary 2：The international payments system of Bank of China, payee based on Φ, account, 30 yuan.

5th, industrial and commercial bank pays the bill 20030 yuan to China system for settling account, and transmits information：Requestee Wang Ming, account, pay 20030 yuan of the money amount of money, beneficiary 1：Britain, payee Wang Zhi, the Hong Kong and Shanghai Banking Corporation of Britain, account, 20000 yuan, beneficiary 2：China The international payments system of bank, payee based on Φ, account, 30 yuan.

6th, China system for settling account is exchanged into 6676.67 Φ by 20030 yuan, and record deals with 6676.67 Φ, to based on Φ International payments system transmission information：Paying party China, requestee Wang Ming, industrial and commercial bank of the bank of deposit, account, Payment Amount 20030 yuan, Φ=3 yuan of exchange rate 1,6676.67 Φ, beneficiary Britain, payee Wang Zhi, bank of deposit Huifeng silver Row, account, the Φ of collection amount 6666.67, the international payments system based on Φ collect 10 Φ.

7th, information is transmitted to Britain's country's system for settling account based on Φ international payments system：Paying party China, requestee king 20000 yuan bright, industrial and commercial bank of the bank of deposit, account, payment of RMB, beneficiary Britain, payee Wang Zhi, bank of deposit Huifeng Bank, account, the Φ of collection amount 6666.67.

Information is transmitted to China system for settling account based on Φ international payments system：Paying party China, requestee Wang Ming, Industrial and commercial bank of the bank of deposit, account, 20030 yuan of Payment Amount, beneficiary Britain, payee Wang Zhi, the Hong Kong and Shanghai Banking Corporation of the bank of deposit, Account, the Φ of collection amount 6666.67, the international payments system based on Φ collect 10 Φ.

8th, Britain's country's system for settling account changes 6666.67 Φ into 2266.67 pounds, receivable 6666.67 Φ is recorded, to Huifeng 2266.67 pounds of banker's payment, and transmit information：Paying party China, requestee Wang Ming, industrial and commercial bank of the bank of deposit, account, pay 20000 yuan of money RMB, beneficiary Britain, payee Wang Zhi, the Hong Kong and Shanghai Banking Corporation of the bank of deposit, account, the English of collection amount 2266.67 Pound.

Britain's country's system for settling account transmits information to the international payments system based on Φ：Paying party China, requestee Wang Ming, 20000 yuan industrial and commercial bank of the bank of deposit, account, payment of RMB, beneficiary Britain, payee Wang Zhi, bank of deposit's Huifeng silver Row, account, 2266.67 pounds of collection amount, Φ=0.34 pound of exchange rate 1,6666.67 Φ.

China system for settling account changes 10 Φ into RMB 30 yuan, is paid the bill to Bank of China：State of the payee based on Φ Border payment system, account, 30 yuan, record receivable 10 Φ.

China system for settling account transmits information to the international payments system based on Φ：Paying party China, requestee Wang Ming, 20000 yuan industrial and commercial bank of the bank of deposit, account, payment of RMB, beneficiary Britain, payee Wang Zhi, bank of deposit's Huifeng silver Row, account, 6666.67 Φ, the international payments system based on Φ collect 10 Φ.

9th, based on Φ international payments system to all domestic system for settling account and wechat such as China, Britain, Alipay etc. All tripartites pay company's transmission information：Merchandise the deadline, 20000 yuan of transaction currency RMB, the amount of money, paying party China, Requestee Wang Ming, industrial and commercial bank of the bank of deposit, account, 20030 yuan of the account number people coin of the amount of money 1, Φ=3 yuan of exchange rate 1, 6676.67 Φ, beneficiary Britain, payee Wang Zhi, the Hong Kong and Shanghai Banking Corporation of the bank of deposit, account, 2266.67 pounds of collection amount, convert Φ=0.34 pound of rate of exchanging 1,6666.67 Φ, the international payments system based on Φ collect 10 Φ.

10th, transaction successful information is transferred to Wang Ming, Wang Zhi by wechat platform.

All domestic system for settling account and wechat such as international payments system, China, Britain based on Φ, Alipay etc. are all Tripartite pays company and recorded in chronological order：Merchandise the deadline, 20000 yuan of transaction currency RMB, the amount of money, in paying party State, requestee Wang Ming, industrial and commercial bank of the bank of deposit, account, 20030 yuan of the account number people coin of the amount of money 1, the Φ=3 yuan people of exchange rate 1 Coin, 6676.67 Φ, beneficiary Britain, payee Wang Zhi, the Hong Kong and Shanghai Banking Corporation of the bank of deposit, account, 2266.67 pounds of collection amount, Φ=0.34 pound of exchange rate 1,6666.67 Φ, the international payments system based on Φ collect 10 Φ.

International payments system business based on Φ is completed：In industrial and commercial bank, China is arrived in 20030 yuan of payments to Wang Ming really System for settling account, China system for settling account record deal with 6676.67 Φ；Britain's country's system for settling account records receivable 6666.67 Φ, Paid the bill 2266.67 pounds to the Wang Zhi Hong Kong and Shanghai Banking Corporation of the bank of deposit simultaneously；China system for settling account records receivable 10 Φ, simultaneously Paid the bill 30 yuan to the Bank of China of the international payments system bank of deposit based on Φ；Receivable 6676.67 Φ, which is equal to, deals with 6676.67 Φ。

Exemplary application 2：

Chinese Zhang Hua travels in Thailand, during which consumes 50000 Thai Bahts in Y markets, is paid by Alipay.

Operating condition：International payments system connection Alipay China platform, Alipay Thailand platform, Wang Mingshi based on Φ The user of Alipay simultaneously connects it and is the user of Alipay in the account of China Construction Bank, Y markets and connects it in Thailand X silver Capable account, the international payments system based on Φ are opened an account in Bank of China.1 gram of international standard gold=300 yuan= 1500 Thai Bahts, the Thai Baht of 1 Φ=3 yuan=15.Operating process is as follows：

1st, Zhang Hua consumes 50000 Thai Bahts in Y markets, is paid by the way that mobile-phone payment is precious, Y markets pass to Alipay Thailand platform Defeated information：Title of the Y markets in Alipay Thailand platform, the Thai Baht of collection amount 50000, paying party China, Zhang Hua are in Alipay The title of Chinese platform.

2nd, bank of deposit Thailand X banker's payment 50000 Thai Baht of the Alipay Thailand platform to Y markets, and transmit information：Pay China of money side, requestee Zhang Hua, China Construction Bank of the bank of deposit, account, payee Y markets, X banks of Thailand of the bank of deposit, Account, the Thai Baht of the amount of money 50000.

Alipay Thailand platform changes 50000 Thai Bahts into 3333.33 Φ, records receivable 3333.33 Φ, to the state based on Φ Border payment system transmission information：Paying party China, requestee Zhang Hua, China Construction Bank of the bank of deposit, account, beneficiary state Family, payee Y markets, X banks of Thailand of the bank of deposit, account, the Thai Baht of the amount of money 50000, the Thai Baht of the Φ of exchange rate 1=15, 3333.33Φ。

3rd, information is transmitted to Alipay China platform based on Φ international payments system：Paying party China, requestee Zhang Hua, China Construction Bank of the bank of deposit, account, beneficiary country, payee Y markets, X banks of Thailand of the bank of deposit, account, the amount of money The Thai Baht of 50000 Thai Bahts, the Φ of exchange rate 1=15,3333.33 Φ, the international payments system based on Φ collect 10 Φ.

Information is transmitted to Alipay China platform based on Φ international payments system：Paying party China, requestee Zhang Hua, open Family China Construction Bank of bank, account, beneficiary country, payee Y markets, X banks of Thailand of the bank of deposit, account, the amount of money The Thai Baht of 50000 Thai Bahts, the Φ of exchange rate 1=15,3333.33 Φ, the international payments system based on Φ collect 10 Φ.

4th, Alipay China platform changes 3343.33 Φ into 10029.99 yuan, and information is transmitted to China Construction Bank：Payment People Zhang Hua, China Construction Bank of the bank of deposit, account, 10029.99 yuan of Payment Amount, beneficiary 1：Thailand, payee Y markets, X banks of Thailand of the bank of deposit, account, 9999.99 yuan of the amount of money, beneficiary 2：International payments system, Bank of China based on Φ, account Number, 30 yuan.

Alipay China platform changes 10 Φ into 30 yuan, to the Bank of China of the bank of deposit of the international payments system based on Φ 30 yuan of payment, records receivable 10 Φ.

Alipay China platform transmits information to the international payments system based on Φ：Paying party China, requestee Zhang Hua, open Family China Construction Bank of bank, account, beneficiary Thailand, payee Y markets, X banks of Thailand of the bank of deposit, account, the amount of money The Thai Baht of 50000 Thai Bahts, the Φ of exchange rate 1=15,3333.33 Φ, the international payments system based on Φ collect 10 Φ.

5th, China Construction Bank of the requestee bank of deposit pays the bill 10029.99 yuan to Alipay China platform, and transmits letter Breath：Paying party China, requestee Zhang Hua, China Construction Bank of the bank of deposit, account, 10029.99 yuan of Payment Amount, beneficiary 1：Thailand, payee Y markets, X banks of Thailand of the bank of deposit, account, 9999.99 yuan of the amount of money, beneficiary 2：The world based on Φ Payment system, Bank of China, account number, 30 yuan.

6th, Alipay China platform record deals with 3343.33 Φ, and information is transmitted to the international payments system based on Φ：Payment Fang Zhongguo, requestee Zhang Hua, China Construction Bank of the bank of deposit, account, 10029.99 yuan of amount of money RMB, the Φ of exchange rate 1 =3 yuans, 3343.33 Φ, beneficiary Thailand, payee Y markets, X banks of Thailand of the bank of deposit, account, the amount of money 50000 The Thai Baht of Thai Baht, the Φ of exchange rate 1=15,3333.33 Φ, the international payments system based on Φ collect 10 Φ.

7th, information is transmitted to all Alipay companies such as China, Thailand based on Φ international payments system：Transaction is completed Time, transaction currency Thai Baht, the Thai Baht of the amount of money 50000, paying party China, requestee Zhang Hua, China Construction Bank of the bank of deposit, account Number, 10029.99 yuan of the amount of money, Φ=3 yuan of exchange rate 1,3343.33 Φ, beneficiary Thailand, payee Y markets, open Family X banks of Thailand of bank, account, the Thai Baht of the amount of money 50000, the Thai Baht of the Φ of exchange rate 1=15,3333.33 Φ, the world based on Φ Payment system collects 10 Φ.

8th, transaction successful information is transferred to Zhang Hua, Y market by Alipay China platform, Alipay Thailand platform.

All Alipay companies such as international payments system, China, Thailand based on Φ record in chronological order：Merchandise Into the time, transaction currency Thai Baht, the Thai Baht of the amount of money 50000, paying party China, requestee Zhang Hua, China Construction Bank of the bank of deposit, Account, 10029.99 yuan of the amount of money, Φ=3 yuan of exchange rate 1,3343.33 Φ, beneficiary Thailand, payee Y markets, X banks of Thailand of the bank of deposit, account, the Thai Baht of the amount of money 50000, the Thai Baht of the Φ of exchange rate 1=15,3333.33 Φ, the state based on Φ Border payment system collects 10 Φ.

International payments system business based on Φ is completed：Alipay Thailand platform records receivable 3333.33 Φ, while to receipts The Thai Baht of money people Y markets Thailand of bank of deposit X banker's payments 50000；China Construction Bank of the requestee Zhang Hua banks of deposit pays 10029.99 member arrives Alipay China platform, Alipay China platform record deals with 3343.33 Φ；Alipay China platform record Receivable 10 Φ, while paid the bill 30 yuan to the Bank of China of the international payments system bank of deposit based on Φ；Receivable 3343.33 Φ is equal to Deal with 3343.33 Φ.

Claims

1. Φ is a kind of international payment currency exchange, produced by international payment, beneficiary the country one belongs to（The Central Bank, domestic clearance System）Record answers crop, paying party the country one belongs to（The Central Bank, domestic system for settling account）Record deals with volume, after the completion of every pays The receivable Φ amount of money is equal to the amount of money for dealing with Φ；Φ and national currency exchange：State's currency is with international standard gold in the past 10 workaday valencys of averagely exchanging are as state's currency and Φ exchange valency, 1 Φ=1% gram international standard gold.

2. tripartite pays company and the account transfer of domestic system for settling account, country of payment's monetary settlement system, paying company by tripartite operates, By A1 states first to the second payment of A2 states, transaction currency is the international payment of A1 states currency, is existed by Φ, A1 state currency, A2 states currency Tripartite pays the conversion between company, domestic system for settling account, the international payments system based on Φ, realizes that first pays A1 states currency, Second receives A2 states currency.

3. tripartite pays company and the account transfer of domestic system for settling account, gathering state currency settlement system, company is paid by tripartite and operated, By A1 states first to the second payment of A2 states, transaction currency is the international payment of A2 states currency, is existed by Φ, A1 state currency, A2 states currency Tripartite pays the conversion between company, domestic system for settling account, the international payments system based on Φ, realizes that first pays A1 states currency, Second receives A2 states currency.

4. tripartite pays company and the account transfer of domestic system for settling account, the 3rd state's currency settlement system, paying company by tripartite operates, By A1 states first to the second payment of A2 states, transaction currency is the international payment of A4 states currency, passes through Φ, A1 state currency, A2 states currency, A4 State's currency pays company, domestic system for settling account, based on the conversion between Φ international payments system in tripartite, realizes that first pays A1 State's currency, second receive A2 states currency.

5. tripartite pays company and the account transfer of domestic system for settling account, Φ coin settlement systems, paying company by tripartite operates, by A1 states First is the international payment of Φ coin to the second payment of A2 states, transaction currency, and public affairs are paid in tripartite by Φ, A1 state currency, A2 states currency Department, the conversion between domestic system for settling account, the international payments system based on Φ, realize that first pays A1 states currency, second receives A2 states Currency.

6. tripartite pays company's account transfer, country of payment's monetary settlement system, paying company by tripartite operates, by A1 states first to A2 states Second is paid the bill, and transaction currency is the international payment of A1 states currency, and company, base are paid in tripartite by Φ, A1 state currency, A2 states currency Conversion between Φ international payments system, realize that first pays A1 states currency, second receives A2 states currency.

7. tripartite pays company's account transfer, gathering state currency settlement system, paying company by tripartite operates, by A1 states first to A2 states Second is paid the bill, and transaction currency is the international payment of A2 states currency, and company, base are paid in tripartite by Φ, A1 state currency, A2 states currency Conversion between Φ international payments system, realize that first pays A1 states currency, second receives A2 states currency.

8. tripartite pays the account transfer of company side, the 3rd state's currency settlement system, paying company by tripartite operates, by A1 states first to A2 State's second payment, transaction currency is the international payment of A4 states currency, by Φ, A1 state currency, A2 states currency, A4 states currency in tripartite Conversion between payment company, the international payments system based on Φ, realize that first pays A1 states currency, second receives A2 states currency.

9. tripartite pays company's account transfer, Φ coin settlement systems, paying company by tripartite is operated, and A1 states first is paid to A2 states second Money, transaction currency are the international payment of Φ coin, and company, the state based on Φ are paid in tripartite by Φ, A1 state currency, A2 states currency Conversion between the payment system of border, realize that first pays A1 states currency, second receives A2 states currency.

10. tripartite pays company and the consumption of domestic system for settling account, gathering state currency settlement system, company is paid by tripartite and grasped Make, A1 states first is consumed at A2 states second, transaction currency is the international payment of A2 states currency, passes through Φ, A1 state currency, A2 China-made goods Coin pays company, the consumption of domestic system for settling account, based on the conversion between Φ international payments system in tripartite, realizes that first pays A1 State's currency, second receive A2 states currency.

11. tripartite pays company's consumption, gathering state currency settlement system, company is paid by tripartite and operated, by A1 states first in A2 Consumed at state's second, transaction currency is the international payment of A2 states currency, and public affairs are paid in tripartite by Φ, A1 state currency, A2 states currency Conversion between department, the international payments system based on Φ, realize that first pays A1 states currency, second receives A2 states currency.

12. system for settling account and all tripartites pay company and pressed in the host countries such as international payments system, A1, A2, A3, A4 based on Φ Time（Second, 1% second, according to portfolio adjustment time unit) each transaction of journal, there are more business the same time sequentially Number journal：Merchandise the deadline, transaction currency, the amount of money, paying party country, requestee's title, the bank of deposit, account, gold Volume, exchange rate, the Φ amount of money, beneficiary country, payee's name, the bank of deposit, account, the amount of money, exchange rate, Φ gold Volume, the international payments system based on Φ collect the Φ amount of money；The receivable Φ of each country amount of money, the amount of money for dealing with Φ, Φ's Remaining sum, list add meter, and the receivable Φ amount of money, the amount of money for dealing with Φ add up to equal, and remaining sum adds up to 0；A1, A2, A3, A4 etc. are all Domestic system for settling account individually records the every receivable Φ amount of money, the amount of money for dealing with Φ, Φ remaining sum of the country.