CN112132556A - Tax identification code based tax fee withholding payment clearing system for asset investment - Google Patents

Abstract

The invention provides a transaction clearing system for paying tax fee by deduction on behalf of investment on related securities futures based on register main body tax identification code, comprising: banks, stock exchanges, commodity futures exchanges, virtual currency exchanges, brokerages, futures, etc. intermediary companies, government tax agencies, government pension medical insurance agencies, various transaction bodies, and traded targets (securities, bonds, option contracts, etc.). Any investor can obtain an asset account after the registration of the system is successful so as to save assets or monetary assets such as securities offered by various trades or central authorities who invest in the bought assets, the system deducts the money related to the assets according to the specified rate to pay tax fee and transfers the tax fee to related accounts (government tax institution accounts, government social security institution accounts, and intermediary company accounts such as bankers or futures), and registers and provides and saves electronic tax stamps for the traded asset part.

Description

Tax identification code based tax fee withholding payment clearing system for asset investment

Technical Field

The invention relates to the technical field of payment of financial systems, in particular to a clearing transaction system for paying tax fee on behalf of deduction of investment assets such as securities, bonds, foreign exchange, virtual currency, futures contract and the like according to a register main body tax payment identification code.

Background

At present, the investment and transaction of securities, futures contracts and the like of various countries need to be carried out in a third party escrow account set by a security company or a futures company in a bank, but the fund source entering the escrow account cannot be monitored, so that a channel for money laundering can be provided for smuggling, illegal crimes and government official putrefaction molecules. In addition, due to the defects of the development of national security market system, the phenomenon of price operation and other conditions (such as off-site investment stockbreeding) disturbing the normal operation of a financial system are easily caused, and the anonymization transaction of virtual currency is added, so that the illegal crimes such as information social theft, fraud and even drug-selling and money-washing are caused to take the way, the pressure on information safety is increased, the society is trapped in a strange circle with the updated crime and technology, the payment platform of the third party deducts the involved transaction to pay the tax fee, one-hand declaration and transaction data can be provided for all levels of supervision departments, and help is provided for fighting crimes to maintain the social order.

Disclosure of Invention

The invention provides a transaction clearing system for paying tax fee by deduction on behalf of investment on related securities futures based on register main body tax identification code, comprising: bank accounts, stock exchange accounts, commodity futures exchange accounts, intermediary company accounts such as virtual currency exchange accounts, stockholders, futures, government tax institution accounts, government endowment medical insurance institution accounts, subject transaction accounts, and traded subject names (securities, bonds, funds, foreign exchanges, option contracts, virtual currency, etc.), quantities, unit prices, and total values.

Each exchange body (including stock exchange, commodity futures exchange, virtual currency exchange and the like) must register with a taxation identification code on the third-party payment platform, and simultaneously provide the name, the quantity and the price of an asset target which can be traded and purchased by a user to the third-party payment platform; meanwhile, intermediaries such as various dealer and futures companies must be registered on the third-party payment platform by using the tax payment identification code.

After the transaction occurs, the third-party payment platform realizes the change registration of the asset name, the quantity and the total amount for the client. The virtual money assets in the account, except for being converted into the master money by means of transaction, cannot be used as equivalent exchange targets of the economic society by any organization and individual without permission of relevant government. Because the generation of digital currency is similar to mineral products such as gold or coal, and the digital currency can be listed after being excavated, value-added taxes must be paid for the mineral products from the listing to the circulation, and because price difference and fluctuation are caused by the problems of the supply and the content of the mineral products, the government needs to pay the value-added taxes for the virtual currency and the like, and trade from the listing to the circulation, such as the mineral products.

When any investor account trades securities or futures through the system at a securities trader or a futures company, the system deducts and pays tax fee for related transaction amount according to specified rate and transfers the deducted and paid tax fee to related accounts (government tax institution account, government social security institution account, exchange account, intermediary company accounts such as traders or futures and the like), the third party payment platform provides electronic tax tickets for tax payment behaviors of all parties and records and saves trade asset names, quantity, unit price and total value, and the third party can conveniently verify and supervise assets of all parties.

In a possible implementation manner, before sending the transaction request to the third-party payment platform, the user terminal is further configured to send registration information to the third-party payment platform, where the registration information includes a user registration account, a user registration password, and biometric registration information, and the registration information further includes one or more of a certificate type, a certificate code, a certificate name, a nationality and region to which the certificate belongs, a contact address, a telephone, a tax identification code, and a bound bank account number of a registration main body; the third party payment platform defaults the ownership currency according to the nationality and the regional area of the registered main body.

The third party payment platform is also used for judging whether the registration information is legal or not, storing the registration information when the registration information is legal, and providing an asset account for the user who is successfully registered according to the risk bearing capacity grading of the registered main body, wherein the asset account grading comprises all the securities or future contracts, bonds or fund shares, foreign exchanges, virtual currency and other assets on the market of each property country.

Because the ownership currency of each country is different from country to country and region to region, and there is fluctuation in exchange rate; the assets provided by the trading offices of various countries and regions are all subject money as settlement units, so after the accounts of the third party payment platform are registered by tax payment identification codes, the platform automatically defaults the subject money according to the nationality or region to which the registered main body belongs, when investors need to invest securities, bonds, foreign exchanges or futures contracts which are listed on the trading offices of other countries or regions, the exchange requirements exist, and related banks cannot provide services timely and effectively, and the third party payment platform can provide the required foreign exchange services for users according to market prices on the premise of complying with the related legal provisions of the countries;

the registration main body can realize currency exchange on the third-party payment platform and realize free allocation of global assets through intermediaries such as security traders or futures companies and the like; however, the currency exchange business is only limited to asset investment, that is, foreign exchange in the asset account provided by the third party payment platform cannot directly extract and purchase foreign physical assets (such as overseas real estate) or equity inauguration investment.

When the user registers the account with the tax payment identification code on the third-party payment platform, the bound bank account is the foreign exchange account, the third-party payment platform considers that the user account has free arbitration right for foreign exchange asset amount and foreign exchange asset amount, and the third-party payment platform can exchange or transfer payment within the foreign exchange asset amount range according to the actual needs of the client for the foreign exchange asset amount or the stock right investment.

The system comprises a third-party payment platform, each main user, the name, the quantity and the unit price of an investment target provided by each transaction, and each bank and each related government department realize data transmission between accounts registered by the third-party payment platform through a communication protocol according to tax payment identification codes;

the user terminal is used for sending a transaction request to the third-party payment platform, wherein the transaction request comprises a user account (with a tax identification code), a user password, biological characteristic information, a selected exchange, an intermediary company account, the name and amount of a trading asset target, a transaction amount and transaction time;

the third-party payment platform authenticates the transaction request, and after the transaction request is authenticated, according to the information of the trader and the total value of the name and the amount of the purchased and sold asset target, the deduction-agency payment information corresponding to the transaction request is determined, wherein the deduction-agency payment information comprises a tax account and a corresponding deduction-agency payment tax rate, and the tax account comprises a government tax account, a government social pension medical insurance account, an intermediary company account and a transaction place account;

and the third party payment platform determines the withholding and paying tax payment corresponding to the withholding and paying tax rate according to the withholding and paying information and the transaction amount, transfers the withholding and paying tax payment to the corresponding tax payment account, and provides and stores withholding and paying records for each party.

The third party payment platform authenticating the transaction request comprises:

and the third party payment platform judges whether the transaction request is consistent with corresponding information in the registration information, and determines that the transaction request passes authentication when the transaction request is consistent with the corresponding information in the registration information.

And the third-party payment platform judges whether the transaction main account is punished by the exchange and the administrative department to close the account, if the transaction main account is closed, the transaction cannot be carried out, and if the transaction main account is not closed, the authentication is determined to be passed.

In a possible implementation manner, the user terminal is further configured to send a first association request to the third party payment platform, where the first association request includes a user bank account;

the third party payment platform associates the user with the user bank account according to the first association request; when the user bank account is an enterprise account, the third-party payment platform is further used for determining the affiliated industry and affiliated place registered by the bank account according to the user tax payment identification code account, and determining the value-added tax rate corresponding to the user bank account and the corresponding social pension medical insurance premium rate; when the user bank account is a personal account, the third-party payment platform is also used for determining the social pension medical insurance premium rate corresponding to the user bank account and various tax rates (income regulation tax, real estate tax, heritage tax and the like) which must be paid by individuals according to the affiliated place of the bank account registered by the user tax payment identification code account.

In a possible implementation manner, the user terminal is further configured to send a second association request to the third-party payment platform, where the second association request includes intermediary company accounts such as various exchange accounts, dealer or futures company accounts, and the like;

and the third party payment platform is also used for judging the rate specified by the government of the industry of the region according to the account registered by the user with the tax payment identification code on the third party payment platform when the asset transaction party relates to the intermediary transaction commission or other expenses of the industry when the second association request is legal, and directly withholding the generated part for paying the government tax fee and the social pension medical insurance fee and the expenses of the intermediary company to associate the user bank account with the transfer account.

In one possible implementation, the system further includes: a communication network;

the communication network is a software and hardware system for converting all related currencies based on a communication protocol into digital currency, and comprises a wired broadband network and a wireless network, wherein the user with the tax payment identification code successfully registers on the third-party payment platform through the communication network and realizes communication connection.

In a possible implementation manner, the third party payment platform providing and recording the withholding payment-on-behalf record in the form of an electronic tax receipt includes:

the third party payment platform records the withholding payment record and generates an encrypted electronic tax receipt, wherein the electronic tax receipt comprises: the tax identification code of the transaction asset account, the name, amount, unit price and transaction total of the transaction label, the intermediary company account of the exchange, dealer or futures to which the label belongs, the tax account, the deduction of the tax payment, the transaction time, the anti-counterfeiting data encryption mark and the like.

The system cancels the stock fund escrow account of securities futures, is beneficial to monitoring and ensuring the fund source of the investment account to be legal by various monitoring organizations such as central lines and securities and the like, and avoids money laundering channels.

Additional features and advantages of the invention will be set forth in the description which follows, and in part will be obvious from the description, or may be learned by practice of the invention. The objectives and other advantages of the invention will be realized and attained by the structure particularly pointed out in the written description and claims hereof as well as the appended drawings.

The technical solution of the present invention is further described in detail by the accompanying drawings and embodiments.

Drawings

The accompanying drawings, which are included to provide a further understanding of the invention and are incorporated in and constitute a part of this specification, illustrate embodiments of the invention and together with the description serve to explain the principles of the invention and not to limit the invention. In the drawings:

FIG. 1 is a schematic diagram illustrating a first structure of a third-party withholding payment system of a main body registered based on a tax payment code of a registered main body when an exchange trades assets according to a tax payment identification code of the registered main body in an embodiment of the present invention;

FIG. 2 is a schematic view of an asset account structure provided by a third party withholding payment platform for a user according to the embodiment of the present invention after a register subject successfully registers based on a tax payment identifier according to the tax payment identifier of the register subject;

FIG. 3 is a schematic structural diagram of a third-party deduction and payment system providing and storing an electronic tax bill for each party to review and refer to after transaction deduction and payment of tax payment based on a tax payment identification code of a registered main body according to the tax payment identification code of the registered main body in the embodiment of the present invention;

FIG. 4 is a schematic diagram of an electronic tax stamp according to an embodiment of the invention;

Detailed Description

The preferred embodiments of the present invention will be described in conjunction with the accompanying drawings, and it will be understood that they are described herein for the purpose of illustration and explanation and not limitation.

The embodiment of the invention provides a trading clearing system for paying tax fee instead of deduction on behalf of related security investment, bond, foreign exchange, fund, virtual currency and futures investment based on register subject tax identification code, comprising: bank accounts, stock exchange accounts, commodity futures exchange accounts, intermediary company accounts such as virtual currency exchange accounts, stockholders, futures, government tax institution accounts, government endowment medical insurance institution accounts, subject accounts for each transaction, and the name of the traded target (securities, bonds, foreign exchange, fund, option contract, virtual currency, etc.), amount, unit price, and total value.

In this embodiment, each exchange body must register with the tax payment identification code on the third-party payment platform, and at the same time, the name, quantity and unit price of the asset target for the user to trade and buy are provided to the third-party payment platform; meanwhile, intermediaries such as various dealer and futures companies must be registered on the third-party payment platform by using the tax payment identification code. After the transaction occurs, the third-party payment platform realizes the change registration of the asset name, the quantity and the total amount for the client.

In the embodiment, except for the fact that the virtual currency assets in the account are converted into the master currency by the transaction mode, no relevant government permits, and no organization or individual can use the virtual currency as the equivalent exchange target of the economic society. Because the generation of digital currency is similar to mineral products such as gold or coal, and the mineral products need to be put on the market through technical excavation, value-added taxes need to be paid for the mineral products from the market to the circulation, and because price difference and fluctuation are caused by the problems of supply and content of the mineral products, governments need to deal with the virtual currency from the market to the circulation in the same way, and enterprises or individuals participating in the virtual currency need to pay taxes for the amount of money generated like the mineral product management.

In this embodiment, when any investor purchases or sells securities or futures by using the system, the arbitrary investor needs to register with the tax payment identification code on the third-party payment platform, after the registration is completed, the system can provide an asset account for the registered main body according to the risk preference and the risk bearing capacity in a grading manner, when the transaction occurs, the third-party payment platform deducts the tax payment for the related transaction amount according to the specified rate, and the deducted tax payment is injected into the related account (government tax institution account, government social security institution account, exchange account, and intermediary company account such as trader or futures) and the increase or decrease of the asset traded by the account is recorded.

Referring to fig. 1, since the system cancels the stock and futures fund escrow account, all parties involved in the transaction must provide tax payment identification codes of the tax authorities of the countries, which is equivalent to the real name of the asset account, so that any change of the assets of the user must have tax payment proof, such as virtual digital currency transaction, securities transaction or futures transaction, all the companies (listed stock limited company, virtual currency company, each entity enterprise providing futures contract) providing various types of assets for the transaction must be registered with the tax payment identification codes on the third party payment platform, each exchange simultaneously provides the name, quantity and unit price of the trade mark of the common transaction to the third party payment platform, and the platform classifies the investment assets and investors in the exchange according to risk classification, investors of different risk tolerance invest assets at their respective risks. When an investor trades assets, an exchange provides the asset name and quantity and market price selected by the investor, and changes and registers the mastership money and the traded assets (including securities, bonds, foreign exchanges, virtual money, futures contracts and the like) in an asset account according to the total value of the deal, the third-party payment platform determines the taxes to be paid according to the tax codes of the registered main bodies and transfers the taxes to the account of a related government tax institution, the account of a government endowment medical insurance and the account of the exchange, and provides and stores the electronic tax receipt comprising the information of money payment parties, the asset name, the quantity and the total amount of the deal.

In the above embodiment, before sending the transaction request to the third-party payment platform, the user terminal is further configured to send registration information to the third-party payment platform, where the registration information includes a user registration account, a user registration password, and biometric registration information, and the registration information further includes one or more of a certificate type of a registration main body, a certificate code, a certificate name, a nationality and region of the certificate, a contact address, a telephone, a tax payment identification code, and a bound bank account number; the third party payment platform defaults the ownership currency according to the nationality and the regional area of the registered main body.

The third party payment platform of the above embodiment is further configured to determine whether the registration information is legal, and store the registration information when the registration information is legal, and the third party payment platform provides an asset account for a user who has successfully registered according to the risk tolerance classification of the registered main body, where the asset account includes all listed securities or future contracts, foreign exchanges, bond or fund names and shares, virtual currency assets, and the like of each property country; the registration main body can realize currency conversion on the third-party payment platform and realize the free allocation of global assets through intermediary companies such as various securities dealers or futures companies and the like; however, the currency exchange business is only limited to be used for recognized asset investment of trading places, that is, foreign exchanges in the asset account provided by the third-party payment platform cannot directly extract the risk investment of purchasing foreign physical assets (such as overseas real estate) and equity.

In the above embodiment, when the bank account bound when the user registers the account with the tax payment identifier on the third-party payment platform is the foreign exchange account, the third-party payment platform considers that the user account has the free arbitration right for the amount of the foreign exchange assets in the account, and for the accounts, the third-party payment platform can exchange or transfer payment within the range of the amount of the foreign exchange assets according to the actual needs of the customer.

The user terminal in the embodiment directly deducts a part of successful transaction according to a rate specified by a relevant government department and transfers the part into a relevant department account when the user terminal realizes the transfer and payment of assets and money of a trading exchange through the third party payment platform, and specifically comprises the third party payment platform, each main user, the name, the quantity and the unit price of an investment target provided by each trading, and each bank and each relevant government department realize the transfer and interchange of the assets and the money and register between accounts registered by the third party payment platform through a communication protocol according to tax identification codes;

in the above embodiment, the user terminal is configured to send a transaction request to the third-party payment platform, where the transaction request includes a user account (with a tax identification code), a user password, biometric information, a selected exchange, an intermediary company account, a name of a trading asset target, transaction time, an affiliated exchange, a nationality or region to which the exchange belongs, a transaction amount, a unit price, and a transaction amount.

In the above embodiment, the third party payment platform authenticates the transaction request, and is further configured to determine whether the registration information has a legal transaction right, and store the registration information when the registration information is legal; because financial supervision departments in various countries implement market prohibition on the vicious act of illegal crimes in the financial field, the platform can judge whether the user violates rules or not according to the market, and in addition, the platform strives to avoid the crimes by means of crimes such as buying, selling, money washing and the like of securities. It is adhered to that the source of the funds is legal, i.e. it must be transferred by funds in the same bank account as the identity of the registered subject.

In the above embodiment, after the transaction request passes the authentication, the deduction and payment information corresponding to the transaction request is determined after the transaction occurs according to the information of the transactor and the total value of the name and the amount of the purchased asset label, where the deduction and payment information includes a tax account and a corresponding deduction and payment tax rate, and the tax account includes a government tax account, a government social pension medical insurance premium account, an intermediary company account (including an asset management company account, a securities trader account and a futures company account), and an exchange account;

the third party payment platform of the embodiment determines the withholding fee payment corresponding to the withholding fee payment rate according to the withholding fee payment information and the transaction amount, transfers the withholding fee payment to the corresponding tax account, and provides and stores the withholding electronic tax receipt for the payment parties.

After the transaction is completed, as shown in fig. 2, the user's asset account displays the name and the amount of the asset after the transaction and the balance of the monetary funds, in addition to the related asset on-going and on-going changes.

Because a plurality of countries and exchange exist in the society, the tax rate and the expense of each exchange are possibly different, and the principal currency and the tax rate standard used by the exchange of different countries are different, the country and the region of the user need to be determined to realize the deduction of the agency. In the embodiment of the present invention, all the registered parties need to register the account of the third party payment platform in a unified format, which specifically includes: the name of the registered subject, the nationality and the region, the tax identification code uniformly compiled by a government tax authority, the bank account number to be bound, and the target national and regional exchange to which the transaction is intended. The tax identification code of the registered main account is associated with the bank account with which the registration information conforms. The third-party payment platform can automatically match tax rate to be paid according to the nationality and regional default principal currency of the registered main body and the related information of the tax payment identification code, and automatically generate the digital encrypted identity two-dimensional code according to the data. The third-party payment account of the user in the embodiment of the invention comprises the regulated tax rate, which means that the corresponding government regulated tax rate can be determined according to the register information of the tax payment identification code of the main user, the tax rate regulated by the national and regional government of the target to be traded is determined, and the deduction and payment work is uniformly carried out on the part to be traded.

The embodiment also comprises a communication network, and the user terminal is connected with the network through the mobile phone and the computer. The communication network is a software and hardware system for converting all related currencies based on a communication protocol into digital currency, and comprises a wired broadband network and a wireless network, wherein the user with the tax payment identification code successfully registers on the third-party payment platform through the communication network and realizes communication connection.

As shown in fig. 3, in the above embodiment, when the user performs asset transfer and money transfer in a transaction with an exchange, the third party payment platform deducts payment according to the user tax payment identification code and the tax rate and rate policy of the exchange to which the exchanged asset belongs and the government tax institution of the nationality and region, and records the transfer to the accounts of the relevant parties. The content comprises the following steps:

the name of the transaction subject (user), the name of the underlying asset being traded (securities, funds, futures contracts, virtual currency provided by each exchange), unit price, amount, total amount of currency involved in the trade, currency type involved, time of trade, nationality or region to which the underlying asset is traded, account of intermediary companies such as government pension medical insurance, government tax account, exchange account, securities futures contracts, and the like, and deduction of payment tax, trade time, and anti-counterfeit data encryption marks.

Referring to fig. 4, in the above embodiment, each asset transaction in the user's asset account requires tax return, and the asset account registers asset name and quantity changes, and the third party payment platform provides and stores electronic tax stamps to the respective payers after the transaction occurs.

For example, when dealing with securities and fund escrow, because the problem of opening and closing the trade leads to the banker's horizontal line of stock price manipulation by different accounts in the securities market, and the account registration with tax payment identification code is adopted, and the tax payment is withheld for each trade and the electronic tax receipt is provided, so that the action of stock price manipulation by different accounts can be effectively prevented, and the abnormal action of repeatedly making and removing orders can be limited by the program, thereby ensuring the trade order of the securities market.

The electronic tax receipts provided by the third-party payment platform can be used for monitoring the security market of the country and the money assets in real time by each country, and the tax institutions of each country can verify and monitor the data of the electronic tax receipts provided by the third-party payment platform and the development conditions of social economy so as to make new tax policies and guarantee the robust development of economy in time.

The measure is also helpful for fighting fraud, smuggling and internet hacker stealing or knocking to wash money, is beneficial for monitoring and ensuring the fund source legality of the investment account by each monitoring mechanism of the central bank, securities and the like, avoids money washing channels and reduces the operation market behavior, and has certain help for purifying the social financial system and promoting the value-added of the assets of the social population.

Claims (7)

1. A transaction clearing system for paying tax fee by deduction on behalf of investment of related securities, foreign exchange and commodity futures contracts based on register main body tax identification codes comprises: bank accounts, securities exchange accounts, commodity futures exchange accounts, virtual currency exchange accounts, broker company accounts such as stockholders and futures, government tax institution accounts, government endowment medical insurance institution accounts, transaction subject accounts, and traded subject names (securities, bonds, funds, futures contracts, etc.), quantities, unit prices, and total values;

the user terminal is used for sending a transaction request to the third-party payment platform, wherein the transaction request comprises a user account number, a user password, biological characteristic information, payer information, a consigned intermediary account, the name, the amount, the unit price and the transaction amount of a transaction mark;

the third party payment platform authenticates the transaction request, after the transaction request is authenticated, deduction agency payment information corresponding to the transaction request is determined according to the payer information, the transaction amount, entrusted intermediary company information and information of a purchase and sale target, wherein the deduction agency payment information comprises a tax account and a corresponding deduction agency payment tax rate or rate, and the tax account comprises a government tax account, a government social pension medical insurance account, a trading exchange account, intermediary company accounts such as securities and futures, securities or futures contract investment accounts;

when a transaction subject meeting the requirements goes to an intermediary company such as securities or futures to buy and sell securities, bonds or futures contracts through the third-party payment platform, the third-party payment platform directly deducts the tax fee for the amount involved in the transaction according to the tax rate of relevant parties, transfers the deducted tax fee to the accounts of the relevant parties, and provides and saves the deducting and deducting record.

2. The system of claim 1, wherein the third party deduction and payment tax settlement system,

each exchange (stock exchange, bulk futures exchange, virtual currency exchange), each dealer, futures exchange, etc. must be registered with the third party payment platform using the tax payment identification code, and the name, quantity, and unit price of the asset target available for public transaction in the exchange are provided to the third party payment platform. And after the transaction occurs, the third-party payment platform realizes asset passing registration for the client. The virtual money assets in the account, except for being converted into the master money by means of transaction, cannot be used as equivalent exchange targets of the economic society by any organization and individual without permission of relevant government. In the present system, the virtual currency does not satisfy the conditions of cash equivalents in the economic society, at best, like mined metal mineral products or metal ornaments in the real society. If the exchange is needed, the main authority currency tax payment certificate is necessary.

3. The system of claim 1, wherein the third party deduction and payment tax settlement system,

before sending a transaction request to the third-party payment platform, the user terminal firstly needs to send registration information to the third-party payment platform by using a tax payment identification code of an application main body, wherein the registration information comprises a user registration account name, a user registration password and biological characteristic registration information, and the registration information further comprises one or more items of certificate types, certificate names, certificate codes, nationality and regions to which certificates belong, contact addresses, telephones and tax identification codes of the registration main body and associated bank accounts;

when the registration main body finishes registration, the third-party payment platform specially provides a capital account for the customer according to the risk preference and bearing capacity grading of the registration main body, and the capital account is used for storing purchased securities, future contracts, bonds, foreign exchange, virtual currency and other assets.

4. The deduction-agency payment tax transaction clearing system according to claim 2,

because the mastership currencies of various countries are different from nations and regions, and the mastership currencies of various countries and regions are used as settlement units in all exchange, after the accounts of the third-party payment platform are registered by tax identification codes, the platform automatically defaults the mastership currencies according to the nations or regions to which the registration main body belongs, when investors need to invest securities or futures contracts which are listed in exchange places of other countries or regions, the exchange demands exist, and related banks cannot timely and effectively provide services, so that the third-party payment platform can provide required currency exchange services for users according to market prices on the third-party payment platform on the premise of complying with the relevant national legal provisions;

the currency conversion is only limited to be used for purchasing investment assets such as securities, bonds or futures contracts provided by national security exchanges of various governments, when a user transfers the securities or futures contracts, the capital currency can be converted back or foreign currencies can be saved as required, but the foreign currencies in the asset account of the third party payment platform are only limited to purchase the assets provided by the third party payment platform by the exchange within the range of risk preference and risk bearing capability of the registered main body, in other words, the foreign currencies in the asset account provided by the third party payment platform do not have the condition of direct extraction and must be converted through the account of the opening bank within the range specified by the related laws of the nationality of the registered main body;

the third party payment platform is also used for judging whether the registration information is legal or not and storing the registration information when the registration information is legal.

5. The system of claim 1, wherein the third party payment platform recording the withholding payment record comprises:

the third party payment platform records the withholding payment record and generates an encrypted electronic tax receipt, wherein the electronic tax receipt comprises: bank account of the paying (receiving) party, total amount of the paying (receiving) money, tax account, withholding to pay tax, transaction time, name, amount, unit price and total transaction value of the transaction target and anti-counterfeiting data encryption identification.

6. The deduction-fee payment and settlement system of claim 1,

when the trading subject is punished to cancel the trading qualification due to the existence of the security or futures price, the third-party payment platform also checks the punishment decision made by the relevant trading exchange or the administrative department thereof on the illegal trading subject, and freezes the trading of the account on the trading exchange.

7. The deduction-fee payment and settlement system of claim 1,

each transaction body should follow the business neutral principle without maintaining the politics, and once the transaction body has the politics and conflicts with the politics of the dominant country of the provided exchange, the third party payment platform freezes the current account of the involved account in the dominant country according to the requirements of the dominant country of the provided exchange.

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