WO2019195974A1 - Bank card acquiring mechanism-based method for implementing instant settlement of digital assets - Google Patents

Bank card acquiring mechanism-based method for implementing instant settlement of digital assets Download PDF

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Publication number
WO2019195974A1
WO2019195974A1 PCT/CN2018/082264 CN2018082264W WO2019195974A1 WO 2019195974 A1 WO2019195974 A1 WO 2019195974A1 CN 2018082264 W CN2018082264 W CN 2018082264W WO 2019195974 A1 WO2019195974 A1 WO 2019195974A1
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account
bank card
digital asset
digital
payment
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PCT/CN2018/082264
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French (fr)
Chinese (zh)
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熊强
杨坚
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深圳市淘淘谷信息技术有限公司
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Priority to PCT/CN2018/082264 priority Critical patent/WO2019195974A1/en
Priority to CN201880093123.0A priority patent/CN112106090A/en
Publication of WO2019195974A1 publication Critical patent/WO2019195974A1/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes

Definitions

  • the invention relates to the field of electronic payment, in particular to an instant settlement method for realizing digital assets based on a bank card acquiring institution.
  • the present invention discloses an instant settlement method for realizing digital assets based on a bank card acquiring institution.
  • the technical solution adopted by the present invention for achieving the object of the invention is: an instant settlement method for realizing digital assets based on a bank card acquiring institution, the method is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and The consumer request input device, after the binding of the digital asset account and the bank card, when the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform, the single institution uses the digital asset account bound by the bank card, To achieve instant settlement of digital assets, the method is implemented by the following steps:
  • Step 1 Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
  • Step 2 When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
  • Step 3 The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset.
  • Step 4 The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
  • the invention has the beneficial effects that the acquiring institution realizes the instant settlement of the digitized assets through the digital asset account bound by the bank card, conveniently and quickly manages the digital (currency) assets and uses the digitized (currency) assets for real-time payment.
  • Figure 1 is a flow chart of the present invention.
  • a method for realizing settlement of digital assets based on a bank card acquiring institution is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and a consumption request input device, which are digitized.
  • the asset account is bound to the bank card
  • the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform
  • the acquirer realizes the instant settlement of the digital asset through the digital asset account bound by the bank card.
  • the method is implemented by the following steps:
  • Step 1 Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
  • Step 2 When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
  • Step 3 The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset.
  • Step 4 The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
  • the digitized asset account management payment system in step 1 is a bitcoin digital asset account management payment system.
  • the digitized asset account management payment system in step 1 is a stock digital asset account management payment system.
  • the digitized asset account management payment system in step 1 is a futures digital asset account management payment system.
  • the digitized asset account management payment system in step 1 is a digital asset account management payment system for consumption points.
  • the consumption request input device in step 1 is: a contact card swiping device or an online APP.

Abstract

A bank card acquiring mechanism-based method for implementing instant settlement of digital assets, solving technical problems during the convenient and rapid management of digital (currency) assets and during the use of real-time payment technology, the method comprising: 1. authorizing a multi-account payment management system to perform account management; 2. when a consumption request concerning a bank card is initiated to the multi-account payment management system, determining whether the current consumption is to be paid by a bank card account or a digital asset account; 3. if the current consumption is to be paid by a digital asset account; 4. the multi-account payment management system directly transferring the current consumption request to a digital asset account payment management and payment system. The present invention has the following beneficial effects: an acquiring mechanism implements instant settlement of digital assets by means of a digital asset account to which a bank card is bound, thereby conveniently and quickly managing digital (currency) assets and using digital (currency) assets to pay in real time.

Description

一种基于银行卡收单机构实现数字化资产的即时结算方法Instant settlement method for realizing digital assets based on bank card acquiring institution 技术领域Technical field
本发明涉及一种电子支付领域，特别是一种基于银行卡收单机构实现数字化资产的即时结算方法。The invention relates to the field of electronic payment, in particular to an instant settlement method for realizing digital assets based on a bank card acquiring institution.
背景技术Background technique
随着金融业的全面发展，多少人拥有法定货币及有价的数字化(货币)资产，特别是有价的数字化(货币)资产成为人们投资的热点，特别是有价的数字化(货币)资产，如期货、股票、各种商家的积分等，数字化(货币)资产的共同特点是，价值与时间密切关联，而且无法作为货币流通和实时方便交易。With the overall development of the financial industry, how many people have legal tender and valuable digital (currency) assets, especially valuable digital (currency) assets have become a hot spot for people to invest, especially valuable digital (currency) assets, Such as futures, stocks, points of various businesses, etc., the common feature of digital (currency) assets is that value is closely related to time, and can not be used as currency circulation and real-time convenient transactions.
人们在以银行账户为基础上，如何方便、快捷对数字化(货币)资产进行管理及使用数字化(货币)资产进行实时支付现有技术中还无法实现，人们只能在各系统中，单独进行交易、相互转账，现有技术的缺点是，操作麻烦、管理困难、特别是无法满足支付(交易)快捷的时间要求。On the basis of bank accounts, how to manage digital (money) assets conveniently and quickly and use digital (money) assets for real-time payment is not realized in the prior art. People can only trade separately in each system. The mutual shortcomings of the prior art are that the operation is troublesome, the management is difficult, and in particular, the time requirement for payment (transaction) is not satisfied.
发明内容Summary of the invention
为克服现有技存在的上述技术不足，本发明公开一种基于银行卡收单机构实现数字化资产的即时结算方法。In order to overcome the above technical deficiencies existing in the prior art, the present invention discloses an instant settlement method for realizing digital assets based on a bank card acquiring institution.
本发明实现发明目的采用的技术方案是：一种基于银行卡收单机构实现数字化资产的即时结算方法，该方法基于多账户支付管理系统、银行卡账户管理支付系统、数字化资产账户管理支付系统和消费请求输入设备，在数字化资产账户与银行卡的绑定后，银行卡在通过商户交易平台经消费请求输入设备向收单机构发起交易请求时，单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，该方法由以下步骤实现：The technical solution adopted by the present invention for achieving the object of the invention is: an instant settlement method for realizing digital assets based on a bank card acquiring institution, the method is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and The consumer request input device, after the binding of the digital asset account and the bank card, when the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform, the single institution uses the digital asset account bound by the bank card, To achieve instant settlement of digital assets, the method is implemented by the following steps:
步骤1.在银行卡账户中增设数字化资产收支列表及数字化资产账户的授权的关联信息，银行卡账户管理支付系统和数字化资产账户管理支付系统授权多账户支付管理系统对其进行账户管理；Step 1. Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
步骤2.银行卡持卡人由消费请求输入设备向多账户支付管理系统发起消费请求时，多账户支付管理系统向消费请求输入设备发送本次消费确认信息，银行卡持卡人确认本次消费为银行卡账户支付或数字化资产账户支付；Step 2. When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
步骤3.银行卡持卡人确认本次消费为银行卡账户支付，多账户支付管理系统将本次消费请求直接转入银行卡账户管理支付系统，银行卡持卡人确认本次消费为数字化资产账户支付转步 骤4；Step 3. The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset. Account payment to step 4;
[根据细则91更正 06.08.2019]　
步骤4.多账户支付管理系统将本次消费请求直接转入数字化资产账户管理支付系统，数字化资产账户管理支付系统银行卡账户中数字化资产账户的授权的关联信息，向数字化资产交易中心/数字钱包发出交易请求，数字化资产交易中心按交易规则及实时牌价将等价数字化资产变现后支付或数字化资产交易中心/数字钱包以等价数字化资产支付。[Correct according to Rule 91 06.08.2019]
Step 4. The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
本发明的有益效果是，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，方便、快捷对数字化(货币)资产进行管理及使用数字化(货币)资产进行实时支付。The invention has the beneficial effects that the acquiring institution realizes the instant settlement of the digitized assets through the digital asset account bound by the bank card, conveniently and quickly manages the digital (currency) assets and uses the digitized (currency) assets for real-time payment.
下面结合附图对本发明进行详细描述。The invention is described in detail below with reference to the accompanying drawings.
附图说明DRAWINGS
附图1为本发明流程图。Figure 1 is a flow chart of the present invention.
具体实施方式detailed description
参看附图，一种基于银行卡收单机构实现数字化资产的即时结算方法，该方法基于多账户支付管理系统、银行卡账户管理支付系统、数字化资产账户管理支付系统和消费请求输入设备，在数字化资产账户与银行卡的绑定后，银行卡在通过商户交易平台经消费请求输入设备向收单机构发起交易请求时，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，该方法由以下步骤实现：Referring to the accompanying drawings, a method for realizing settlement of digital assets based on a bank card acquiring institution is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and a consumption request input device, which are digitized. After the asset account is bound to the bank card, when the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform, the acquirer realizes the instant settlement of the digital asset through the digital asset account bound by the bank card. The method is implemented by the following steps:
步骤1.在银行卡账户中增设数字化资产收支列表及数字化资产账户的授权的关联信息，银行卡账户管理支付系统和数字化资产账户管理支付系统授权多账户支付管理系统对其进行账户管理；Step 1. Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
步骤2.银行卡持卡人由消费请求输入设备向多账户支付管理系统发起消费请求时，多账户支付管理系统向消费请求输入设备发送本次消费确认信息，银行卡持卡人确认本次消费为银行卡账户支付或数字化资产账户支付；Step 2. When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
步骤3.银行卡持卡人确认本次消费为银行卡账户支付，多账户支付管理系统将本次消费请求直接转入银行卡账户管理支付系统，银行卡持卡人确认本次消费为数字化资产账户支付转步骤4；Step 3. The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset. Account payment to step 4;
[根据细则91更正 06.08.2019]　
步骤4.多账户支付管理系统将本次消费请求直接转入数字化资产账户管理支付系统，数字化资产账户管理支付系统银行卡账户中数字化资产账户的授权的关联信息，向数字化资产交易中心/数字钱包发出交易请求，数字化资产交易中心按交易规则及实时牌价将等价数字化资产变现后支付或数字化资产交易中心/数字钱包以等价数字化资产支付。[Correct according to Rule 91 06.08.2019]
Step 4. The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
本发明实施例中，步骤1中数字化资产账户管理支付系统，为比特币数字化资产账户管理支付系统。In the embodiment of the present invention, the digitized asset account management payment system in step 1 is a bitcoin digital asset account management payment system.
本发明实施例中，步骤1中数字化资产账户管理支付系统，为股票数字化资产账户管理支付系统。In the embodiment of the present invention, the digitized asset account management payment system in step 1 is a stock digital asset account management payment system.
本发明实施例中，步骤1中数字化资产账户管理支付系统，为期货数字化资产账户管理支付系统。In the embodiment of the present invention, the digitized asset account management payment system in step 1 is a futures digital asset account management payment system.
本发明实施例中，步骤1中数字化资产账户管理支付系统，为消费积分的数字化资产账户管理支付系统。In the embodiment of the present invention, the digitized asset account management payment system in step 1 is a digital asset account management payment system for consumption points.
本发明实施例中，步骤1中消费请求输入设备为：接触式刷卡设备或线上APP。In the embodiment of the present invention, the consumption request input device in step 1 is: a contact card swiping device or an online APP.

Claims (6)

  1. [根据细则91更正 06.08.2019]
    一种基于银行卡收单机构实现数字化资产的即时结算方法，该方法基于多账户支付管理系统、银行卡账户管理支付系统、数字化资产账户管理支付系统和消费请求输入设备，在数字化资产账户与银行卡的绑定后，银行卡在通过商户交易平台经消费请求输入设备向收单机构发起交易请求时，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，其特征在于：该方法由以下步骤实现：
    步骤1.在银行卡账户中增设数字化资产收支列表及数字化资产账户的授权的关联信息，银行卡账户管理支付系统和数字化资产账户管理支付系统授权多账户支付管理系统对其进行账户管理；
    步骤2.银行卡持卡人由消费请求输入设备向多账户支付管理系统发起消费请求时，多账户支付管理系统向消费请求输入设备发送本次消费确认信息，银行卡持卡人确认本次消费为银行卡账户支付或数字化资产账户支付；
    步骤3.银行卡持卡人确认本次消费为银行卡账户支付，多账户支付管理系统将本次消费请求直接转入银行卡账户管理支付系统，银行卡持卡人确认本次消费为数字化资产账户支付转步骤4；
    步骤4.多账户支付管理系统将本次消费请求直接转入数字化资产账户管理支付系统，数字化资产账户管理支付系统银行卡账户中数字化资产账户的授权的关联信息，向数字化资产交易中心/数字钱包发出交易请求，数字化资产交易中心按交易规则及实时牌价将等价数字化资产变现后支付或数字化资产交易中心/数字钱包以等价数字化资产支付。
    [Correct according to Rule 91 06.08.2019]
    An instant settlement method for realizing digital assets based on a bank card acquiring institution, the method is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and a consumption request input device, in a digital asset account and a bank After the card is bound, when the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform, the acquirer realizes the instant settlement of the digital asset through the digital asset account bound by the bank card, which is characterized in that : This method is implemented by the following steps:
    Step 1. Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
    Step 2. When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
    Step 3. The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset. Account payment to step 4;
    Step 4. The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
  2. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付系统，为比特币数字化资产账户管理支付系统。The method for realizing settlement of digital assets based on a bank card acquiring institution according to claim 1, wherein the digitized asset account management payment system in step 1 is a bitcoin digital asset account management payment system.
  3. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付系统，为股票数字化资产账户管理支付系统。The method for realizing settlement of digital assets based on a bank card acquiring institution according to claim 1, wherein the digital asset account management payment system in step 1 is a stock digital asset account management payment system.
  4. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付系统，为期货数字化资产账户管理支付系统。The method for realizing settlement of digital assets based on a bank card acquiring institution according to claim 1, wherein the digital asset account management payment system in step 1 is a futures digital asset account management payment system.
  5. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付系统，为消费积分的数字化资产账户管理支付系统。The method for realizing settlement of digital assets based on a bank card acquiring institution according to claim 1, wherein the digital asset account management payment system in step 1 is a digital asset account management payment system for consumption points.
  6. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中消费请求输入设备为：接触式刷卡设备或线上APP。The method for realizing settlement of digitized assets based on a bank card acquiring institution according to claim 1, wherein the consumer request input device in step 1 is: a contact card swiping device or an online APP.
PCT/CN2018/082264 2018-04-09 2018-04-09 Bank card acquiring mechanism-based method for implementing instant settlement of digital assets WO2019195974A1 (en)

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