WO2019205824A1 - 一种可质付网上交易支付方法及系统 - Google Patents

一种可质付网上交易支付方法及系统 Download PDF

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Publication number
WO2019205824A1
WO2019205824A1 PCT/CN2019/077568 CN2019077568W WO2019205824A1 WO 2019205824 A1 WO2019205824 A1 WO 2019205824A1 CN 2019077568 W CN2019077568 W CN 2019077568W WO 2019205824 A1 WO2019205824 A1 WO 2019205824A1
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WIPO (PCT)
Prior art keywords
payment
pledge
electronic
redemption
seller
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Application number
PCT/CN2019/077568
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English (en)
French (fr)
Inventor
赵汕可
Original Assignee
赵春雨
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 赵春雨 filed Critical 赵春雨
Priority to CA3098216A priority Critical patent/CA3098216A1/en
Priority to EP19792232.1A priority patent/EP3786868A4/en
Publication of WO2019205824A1 publication Critical patent/WO2019205824A1/zh
Priority to AU2020102988A priority patent/AU2020102988A4/en
Priority to ZA2020/06729A priority patent/ZA202006729B/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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • G06Q30/0619—Neutral agent
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/04—Payment circuits
    • G06Q20/06—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
    • G06Q20/065—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash
    • G06Q20/0655—Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme using e-cash e-cash managed centrally
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G06Q20/3678—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes e-cash details, e.g. blinded, divisible or detecting double spending
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/381—Currency conversion
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G06Q20/3825—Use of electronic signatures
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing

Definitions

  • the invention relates to the field of online transaction payment, in particular to a method and system for paying online transaction payment.
  • electronic money inherently has the defects of one-way unilateral protection and the defects of instant transfer payment.
  • crime prevention technology of stealing electronic cash lags behind the criminal technology of stealing electronic cash.
  • the time to start the theft of electronic cash crimes is the time when the crime ends, that is, the time when the electronic cash is stolen or cashed or transferred or consumed; it can be said that it is impossible to prevent it.
  • the online payment is safe and legal, and the electronic payment is used as an online transaction payment tool, which effectively solves the problem of electronic cash theft and the one-way unilateral security defect; at the same time, the electronic payment can be paid As a quality object, the currency is a special object of security interest. Not only the self-interest is protected by law, but also the interests of the purchaser are also protected by law.
  • the online payment is convenient and fast, and the small payment can be paid by light. It is as convenient as the use of change; the general payment of the choice of the ticket can be paid, as fast as the use of a bill of exchange payable; the large payment can be paid in a single currency, as regulated by the use of a documentary credit; Pay.
  • a method and system for paying online transaction payment referred to as a method and system for payment.
  • the pledge payment that is, the pledge payment
  • the pledge payment is a new concept proposed by the present invention
  • the pledge payment is a pledge payment and pledge payment with a pledge payment function and a two-way multilateral guarantee function.
  • the new online transaction payment method for payment is also called the guarantee payment or the guarantee payment;
  • the online transaction for paying the electronic money as the quality payment and the pledge payment is called the solvable online transaction or the pledge transaction.
  • pledge payment the buyer member purchases the pledgeable electronic currency from the solvable electronic coin underwriter for the purpose of pledge payment, and the redemption, authorization or license is available on the basis of the pledge platform, All or part of the purchase or / and payment may be paid for the electronic currency as a quality payment, and all or part of the payment shall be paid to the seller member pledge, and the promised or entrusted electronic money for the redemption shall be conditional to the seller member within the prescribed time limit.
  • Redemption payment the seller member accepts the buyer's member to pay the electronic money as the quality payment, pledges the payment, and when the condition is fulfilled, applies to the buyer member or the bearer for the payment of the redemption payment;
  • the quality payment platform relies on the quality payment system to sell the electronic money to the registered members, and promises to redeem the payment within the specified time limit; when the condition is fulfilled, the payment is redeemed to the holder.
  • the conditions refer to the registered members using the pledge electronic money to pay the pledge, voluntarily complying with the membership charter and the pledge rules, voluntarily accepting and actively performing the behaviors in violation of the membership charter and the pledge rules.
  • the warrants can be paid in accordance with the documents; the redemption refers to the pledge of the vouchers that can be paid by the seller of the electronic money to the purchaser, or the pledge of the electronic currency to the payee.
  • the redeemed holder of the currency promises to pay the price of the redemption and the redemption of the negotiable electronic money to the holder of the money on the specified expiration date; the redemption payment refers to the payment of the electronic currency.
  • the redemption person shall prompt the redemption payment to deliver the redistributable payment flow record or the pledge payment certificate, and perform the redemption payment review. After the approval, the redemption payment and redemption shall be paid on the specified expiration date. Back to quality The money can pay for quality behavior.
  • the pledge payable by the bearer is called the redemption pledge, which means that the pledgeable electronic currency must be accompanied by the pledge of the solvable electronic money, and the redemption is obtained. It can be used after the redemption, and the conditional redemption payment can be paid on the expiration date. It can also be called the documentary payment or the single currency.
  • the pledge payment authorized by the bearer is called fast and pledge, which means that the pledge of the electronic currency, whether used alone or in conjunction with the pledge certificate, can be redeemed by the foreclosure without prompting for redemption.
  • the solvable payment for the conditional redemption payment on the maturity date is divided into the ticket currency and the light currency.
  • the ticket currency can be used as the pledgeable electronic currency.
  • the pledge payment document attached to the pledge warrant is limited to the quick and pledge payment of the vouchers, which is also known as the payable fee.
  • the koco vouchers can be used to pay for the electronic coins.
  • the single currency can be paid and the ticket can be paid for the pledge of the warrants; the broad sense of the pledge can be paid for by the fast and the pledge, the narrow foreclosure can only be paid for by the single currency, no special instructions
  • the redemption can be paid for a single currency; the broad and fast payment can be paid for by the light currency, and the narrow and fast can be paid for only the ticket currency, no special instructions, fast and reliable
  • the currency can be paid.
  • the pledge payment with the licensee's permission is called self-charging pledge, which means that the solvable electronic currency must be used together with the pledgeable warrant, and the user promises to conditionally redeem the payment, and has conditions on the expiration date.
  • the redemption payment can be paid.
  • the pledge for the purchase of the pledgeable electronic money as the quality of the goods is called the quality payment, wherein the partial payment of the electronic pledge is the quality of the payment, which is called partial quality.
  • Payable for the payment of the pledgeable electronic money as the quality of payment which is called the transfer of the quality of the electronic payment of the electronic payment. Partial transfer is paid; the generalized payable includes the transfer and the narrow and the only payable refers to the quality.
  • the pledgeable electronic currency referred to as the solvable currency or the quality payment currency
  • the pledgeable electronic currency is a pledge payment provider for the purpose of pledge payment
  • the guaranty payment platform provides the guaranty payment to the actual payment fee.
  • the payment object referred to as the quality payment; has the following main characteristics: 1. The pledge payment is different from the pledge with no payment function; 2.
  • the two-way multilateral protection is different from the equivalent (only electronic cash) with only one-way unilateral guarantee function; 3, the quality of the subject can be paid and the uniqueness of the redemption payment subject, which is different from the uniqueness of the subject and the diversity of the subject of the redemption; 4, Internet + law +, different from the traditional electronic controversial of legality Currency (electronic token).
  • the light currency can be used for the payment of the electronic money, referred to as the light currency; the light can be used to pay the electronic money, referred to as the single or single currency; the ticket can be used to pay the quality of the electronic currency , referred to as the ticket or the ticket currency; the single currency and the ticket currency are collectively entitled as the token currency; the registered member has applied for the issuance of the pledge payment but not used for the pledgeable transaction, which is called the token currency;
  • the token currency and the token currency are collectively referred to as the token currency, which is also known as the famous currency, which can be reported as loss; the light currency is the unnamed currency, also known as the unnamed currency, and cannot be reported; the reported loss can be reported as loss, which means that the electronic money can be reported as loss.
  • the registered member finds that the purchased or collected token currency has been stolen, submits the flow record of the stolen and pledgeable electronic currency to the list of members, reports the loss of the electronic money, and requests the stolen payment.
  • the electronic currency is invalid and the pledge of the stolen electronic money can be recovered.
  • the stolen electronic money can be called the electronic money or the lost currency.
  • the registered member can pay the pledge, and the pledge can be purchased from the solvable electronic coin underwriter, and can apply for the issuance of the pledgeable electronic ticket with the solvable electronic currency;
  • the electronic right ticket referred to as the quality payment ticket or the quality payment ticket, can be paid for the electronic money underwriter for the purpose of pledge payment, and is issued by the quality payment system.
  • the pledge payment vouchers for the pledge of electronic money and the conditional redemption payment pledge are also the pledge platform to pay the price with the saleable solvable electronic currency, and the actual fee is the deposit, which provides the money to the member who purchases the money.
  • a counter-guarantee or a guaranty-guaranteed guarantee that is guaranteed by a counter-guarantee or guarantee.
  • the actual charge for the electronic money underwriter is not limited to the deposit, but also includes, but is not limited to, insurance fees, deposit fees, credit subscription fees, and subscription claims. Fees, share subscription fees, share subscription fees, fund share subscription fees, accounts receivable fees, deposits, advance payments or payment fees; accordingly, the vouchers can also be collateralized.
  • the registered member is eligible to pay, and the seller member is required to deliver the solvable electronic currency with the payment of the purchase price, and the pledge can be issued to record the solvable electronic money; the pledge can be paid
  • An electronic warrant referred to as a warrant or a certificate of quality, is a purchase or collection of all or part of the electronic money that can be paid for by the buyer's member, and is issued by the quality system.
  • the document includes a pledge certificate that confirms the true tradable transaction relationship, and a vouchable ticket, etc., on which the relationship can be verified; the pledge certificate is recorded on the pledge certificate A chargeable order, a pledgeable invoice, a pledge bill of lading, a pledgeable policy, a pledge of bills of lading, and a voucher related to a pledge transaction; the pledge ticket is a pledge ticket ( Includes a decentralized ticket and a vouchable warrant (including a payable premium)
  • the pledge of the pledge is limited to the pledge of the vouchers, which is called the vouchers or the vouchers.
  • the pledges are not limited to vouchers.
  • the Qualifying Warrants are collectively referred to as the Warranty Warrants or the Single Currency Qualifying Warrants; the Single Currency Qualifying Warrants are the Redemption Warranty Warrants, and the Tickets Qualifying Warrants are quick and pledge warrants.
  • the solvable method includes the following steps: a chargeable preparation, a promptable payment, a performable payment, and a conditional redemption payment.
  • the specific steps are as follows.
  • Step 1 You can pay for the preparation.
  • the pledge platform belongs to a pledge platform provider; the pledge platform provider is a owner, an operator and a maintainer of the pledge platform; the pledge account is a pledge platform
  • the quality payment system which is a valid account for the registered members to collect and store the electronic money, has the following main features: 1. Depends on the quality system and has no physical connection with the bank payment system. ; 2, for the payment and storage of electronic money, there is no physical connection with electronic cash; 3, prohibiting direct binding to bank accounts.
  • members Before opening a Qualifying Account, members need to download and install the member-end payable system, complete the member's real-name registration and certification, and open the corresponding member permissions as needed; the seller member needs to further complete the store real-name certification and cargo quality certification. Further complete the sale of the charity items.
  • the solvable electronic coin underwriter After opening the pledge account, apply to the solvable electronic coin underwriter for the purchase of the pledgeable electronic currency, and pay the fee.
  • the solvable electronic coin underwriter will actually pay the registered member, that is, the actual charge.
  • the fee is exchanged into a determinable type and amount of pledgeable electronic money, and is deposited into the pledge account of the purchaser member, and the pledge account is recharged.
  • the registered member can purchase the electronic money for the first time, trigger the two-way multilateral guarantee agreement sub-module, initiate the two-way multilateral guarantee agreement signing procedure, sign the two-way multilateral guarantee agreement, and sign the two-way multilateral guarantee agreement
  • the money-purchasing member shall provide the deposit from the time when the purchase of the electronic money can be paid, or from the time of signing the vouchable payment, to the purchase price of the electronic money, and the actual deposit fee as a security deposit.
  • the payment guarantee guarantee or counter-guarantee guarantee and at the same time obtain the guaranteeable payment platform from the time of redemption, in order to pay the price with the solvable electronic currency, the actual charge is the margin, and the provided pledge transaction guarantee or guarantee guarantee .
  • the actual payment can be paid by the platform, that is, it can pay the sales price of the electronic currency, and it can also pay the transaction margin, which has duality.
  • the quality of electronic money can be paid for who buys who uses and who uses who is responsible; before the redemption redeems payment, the purchaser’s use, and agrees to transfer or agree to the redemption payment
  • the electronic money can be paid, and the obligation to guarantee the redemption and guarantee the redemption payment is guaranteed.
  • the money-selling member may apply to the solvable electronic coin underwriter for the issuance of the solvable right ticket for the solvable electronic currency; if the registered member does not apply for the issuance of the pledge, the registered member purchases the solvable electronic currency.
  • the obtained record of the pledge payment is equivalent to the record of the pledge of the electronic money.
  • the seller member puts the goods at the price of the electronic money; if the buyer member selects the payment to the delivery transaction method, the goods are selected, and if the cash on delivery transaction method is selected, the goods are signed.
  • Step 2 The prompt can be paid.
  • the buyer member issues a payable order to the payable platform, and the prompt can be paid.
  • the pledge can be issued, and the pledge can be issued, and the electronic money can be delivered to the redeemer to indicate the redemption.
  • the quality of electronic money can be paid to the principle of who sells who is redeemed and who redeems who redeems, with the exception of the buyer’s own redemption and redemption; the electronic money seller can pay the electronic currency.
  • the bearer is also a redemption payer who can pay the electronic currency.
  • the Qualifying Payment Platform can perform the pledge and review, that is, the buyer member can perform the pledge and the pledge authority review, and the buyer member can search for the electronic money. Or / and whether the credit amount is sufficient, and whether the buyer member can pay the sufficient authority; if the buyer member can pay the insufficient electronic currency and the credit amount is insufficient, or the buyer member If the quality of the payment is insufficient, the review will not pass, and the execution will be rejected and the reason will be returned; otherwise, the approval will be passed; if the buyer member submits the pledge certificate to indicate the redemption, the prompt payment can be reviewed, and the warranty can be reviewed.
  • the Beare (7) reviews the Qualifying Warrants received after the approval of the Qualifying and Qualifying Authority.
  • the buyer member communication device (51/21) and the backup communication device (52/22) are fed back to the buyer member for payment of the foreclosure record number, and/or the order record number is available, and It is used to execute the temporary temporary password and expiration date; if the buyer member submits the pledge certificate to indicate the redemption, after the approval, the bearer must also redeem within the time limit, and the word "redemption" can be recorded.
  • the quality payment certificate is returned to the buyer member.
  • Step 3 Execute the chargeable.
  • the buyer member issues an execution pledge order to the pledge platform, and pays the pledge electronic money to the designated seller member to pay the pledge, and pays the pledge, payment, donation or transfer.
  • the seller member is also required to deliver the pledge warrants, wherein the buyer member selects the quick payable, and the seller member is required to issue and deliver the vouchable warrants; the buyer The member chooses to pay for the redemption and needs to pay the foreclosure pledge to the seller member.
  • the pledge platform receives the execution pledge command, performs an executable pledge audit, and searches whether the buyer member can pay the account for the pledge record corresponding to the solvable electronic coin. And / or can be ordered to order.
  • the pledge electronic money is transferred to the seller member to pay the account according to the retrieved corresponding pledge payment record and/or the pledge order record, wherein the acceptance is fast
  • the Qualcommable Seller Member transfers the Qualifying Electronic Money to the Seller Member Payable Account based on the retrieved corresponding Qualifying Payable Record and the Qualifying Order Record.
  • the seller member collects the electronic money
  • the seller member collects the electronic money
  • triggers the periodic redemption payment sub-module initiates the periodic payment redemption payment procedure
  • the seller member electronic device, the buyer member electronic device and the quality payment platform simultaneously start the countdown of the payable periodic redemption payment.
  • the seller member accepts the warrants and can pay the fee, after receiving the pledgeable electronic currency, the pledge warrants are reviewed; after the pledge is passed, the vouchers are signed and the buyer is Member feedback can be used to pay the warrants receipt record number; the seller member can sign the pledge payment warrant, trigger the chargeable periodic redemption payment sub-module, from the time the seller member signs the pledge payment warrant, the synchronous start can be paid for the periodic redemption payment countdown .
  • the seller member collects the electronic money for the first time, triggers the two-way multilateral guarantee agreement sub-module, initiates the two-way multilateral guarantee agreement signing procedure, and signs the two-way multilateral guarantee agreement;
  • the seller member (receiving member) starts from the time when the buyer member pays the purchase or collection of the pledgeable electronic currency, or from the receipt of the vouchable payment certificate issued by the buyer member, and collects the pledgeable electronic coin.
  • the consideration for the actual price of the purchase price is the margin, and the guarantee platform can be provided with a guaranty transaction guarantee or counter-guarantee guarantee.
  • the pledge platform can be used to guarantee the price of the electronic money.
  • the fee is the deposit, and the provided pledge transaction is counter-guarantee or guarantee guarantee; that is, the seller member confirms that it has received the purchase or charge of the electronic money delivered by the buyer member, or the quality of the self-signed buyer member.
  • the pledge of the electronic currency for the buyer s member, the right to pay the transaction guarantee or the counter-guarantee protection, and transfer to the seller (Collect coins member).
  • the seller member Prior to the redemption payment by the principal, the seller member is obliged to guarantee the redemption and guarantee the redemption payment for the pledgeable electronic money that is used and agreed to be transferred or agreed to the redemption payment.
  • Step 4 Redeem the payment with a conditional expiration.
  • the seller member submits a record of the payable bills to the bearer, and prompts the redemption payment.
  • the seller member can submit the vouchers to the bearer after the countdown of the periodic redemption payment, and the redemption payment is prompted to the redemption payment.
  • the self-discipline recognition can be performed, and when the redemption payment is prompted, the self-discipline certificate issued by the quality payment platform is submitted; the self-discipline determination refers to the feasibility.
  • the payment platform issues a certificate to the registered member according to the registered member application. The registered member does not violate the member's articles of association and the pledge rules within a certain period of time, or the registered member's opinion that the fine has been fulfilled within a certain period of time has been fully fulfilled.
  • the bearer receives the prompt redemption payment, performs a redeemable payment redemption review, and retrieves whether the seller member can pay the account for the pledge payment record corresponding to the solvable electronic money; And according to the corresponding pledge order record retrieved by the seller member pledge account, deducting the evaluable electronic money from the seller member pledge account through the pledge system on the expiration date, and then The redemption payment of the consideration is paid to the seller member bank account through the bank payment system, and the redeemable payment is completed.
  • the redemption payment review can be paid, and the pledge payment certificate review is also included, and the redemption payment review result can be confirmed by both members; after the approval, According to the results of the auditable redemption payment confirmed by the members of the two parties, and the corresponding pledge payment record retrieved by the seller member's pledge account, and/or the vouchable payment receipt record, and the pledge order Record, redeem the payment on the due date.
  • the pledge payment of the warrants including the continuation of the pledge and the pledge of the pledge; the seller member or the bearer receives the pledge certificate, triggers the continuable audit sub-module, and initiates the continuation of the pledge
  • the review process shall be reviewed by the system for the continuity and/or authenticity of the electronic signature of the Qualifying Warrant and the attached Qualifying Ticket; if the Qualifying electronic signature is untrue or discontinuous, the review fails, the system Directly refuse to accept the pledge, or directly refuse to redeem or refuse to redeem the payment; if the electronic signature can be continually and/or true, the review is passed, and the seller is prompted to perform the pledge Comply with the presentation of the bill;
  • the seller member or the bearer can perform the audit of the pledge and payment; if the bill is found to be inconsistent, the discrepancy will be notified at one time within the time limit and the deadline will be corrected; if the discrepancy is not corrected within the time limit If the review fails, the seller member refuses to accept the pledge certificate, the bearer refuses to redeem or refuses to redeem the payment; if the delivery order matches, the approval is passed.
  • the continuation of the pledge refers to the quality payer and the attached payable ticket between the quality payer, the quality payer (transfer payer) and the transfer payment right
  • the electronic signatures of the persons are connected one after another; the pledges are the same as those between the pledge documents stipulated by the pledge and all the pledges and the pledges. bill.
  • the seller member receives the redemption payment, and the quality payment is over; the redeemable electronic money can be paid for the platform and the purchase member, the purchase member (the buyer member) and the receipt member (the seller member).
  • the pledge rights and obligations set between the money-collecting members and the payable platform and between them based on the solvable electronic currency are eliminated.
  • the pledge system includes: a seller member electronic device, a seller member communication device, a seller member end quality payment system, a buyer member electronic device, a buyer member communication device, a buyer member end quality payment system, and
  • the quality payment platform and the serviceable platform end quality payment system are connected through an interconnection network such as the Internet; the seller member electronic device and the buyer member electronic device are collectively referred to as a member electronic device, and the seller member communication device
  • the buyer member communication device is collectively referred to as a member communication device, and the seller member end-of-charge system and the buyer member-end payable system are collectively referred to as a member-endable payment system.
  • the member end electronic device installs a member end quality payment system
  • the member end quality payment system includes: a member management module, which is used for member real name registration authentication, opening member authority, maintaining and verifying member identification information;
  • the management module is used to open a pledge account, store and collect the pledge of electronic money, verify the identifiable electronic currency and the member can pay the identification information, record the accountable water flow information, and also cut off the stolen electronic Cash route; store management module / Yipu management module, used for seller members to carry out store real name certification, goods quality certification, charity sale filing, store and cargo management and maintenance, accept or issue a payable order or a quality sale order , or the buyer member to carry out the sale of the goods, the management and maintenance of the sale of goods, the release of the order can be paid, accept or release the saleable order.
  • the member communication device includes: a primary communication device and a backup communication device, configured to perform member identification information verification communication with the quality payment platform, and the backup communication device is further configured to generate the account registration information or the chargeable account binding information. Receive information change reminders and confirm change information when changing.
  • the pledge platform installs a platform-payable system
  • the solvable platform-side pledge system includes: a member management module, which is used for registering and authenticating members, opening membership rights, and maintaining member information. Audit, supervision and service, storage and verification of member identification information; quality management module for issuing, selling, clearing, settlement and redemption of electronic money, storage, verification of electronic money and membership Pay identification information, record the flow information of the payable account, and also cut off the path of stealing electronic cash; store management module (Yipu management module), used for store real name certification and cargo quality certification, sale of goods, store and goods Management and maintenance, quality-payable orders or quality-selling orders provide audit, supervision and service, store and update store and cargo information.
  • a member management module which is used for registering and authenticating members, opening membership rights, and maintaining member information. Audit, supervision and service, storage and verification of member identification information
  • quality management module for issuing, selling, clearing, settlement and redemption of electronic money, storage, verification of electronic money and membership Pay identification information, record the flow information of the payable account,
  • the quality management module further includes: a two-way multilateral guarantee agreement sub-module for initiating a two-way multilateral security agreement signing procedure, signing a two-way multilateral guarantee agreement; and paying for continuous review
  • the module is used to initiate a payable periodic redemption payment program, synchronize the start of the redeemable payment redemption countdown, and also extend the withdrawal time of the stolen electronic property.
  • FIG. 1 is a schematic diagram of a payable online transaction payment system according to an embodiment of the present invention.
  • FIG. 2 is a schematic flowchart diagram of a method for paymentable online payment according to an embodiment of the present invention.
  • the payable online transaction payment system includes: a seller member electronic device (1), a seller member communication device (2), a seller member end quality payment system (3), and a buyer member electronic device ( 4), buyer member communication equipment (5), buyer member end quality payment system (6), quality payment platform (7), quality payment platform end quality payment system (8), they are interconnected via the Internet Interworking network connection.
  • the member-side electronic device (1/4) installs a member-end payable system (3/6), and the member-end payable system (3/6) includes: a member management module (31/61) for Member real-name registration certification, opening membership rights, maintaining and verifying member identification information; quality management module (32/62), for opening a pledge account, depositing and receiving electronic money, verifying quality Paying electronic coins and members can pay identification information, record the flow information of the payable account, and also cut off the path of stealing electronic cash; store management module (33) / Yipu management module (63), for seller members to shop Real-name certification, goods quality certification, sale of goods, filing and maintenance of goods and goods, acceptance or release of pledge orders or honorable orders, or buyer members for the sale of charity items, management and maintenance of charity items, and release of quality Pay the order, accept or release the saleable order.
  • a member management module 31/61) for Member real-name registration certification, opening membership rights, maintaining and verifying member identification information
  • quality management module (32/62)
  • for opening a pledge account depositing and receiving electronic money
  • the member communication device (2/5) includes: a primary communication device (21/51) and a backup communication device (22/52) for performing member identification information verification communication with the quality payment platform, and the backup communication device further It is used to receive the information change reminder and the confirmation change information when the member registration information or the binding information of the payable account changes.
  • the quality payment platform (7) installs a platform-payable system (8)
  • the quality platform system (8) includes: a member management module (81) for members Real-name registration certification, opening membership rights, maintaining member information review, supervision and service, storing and verifying member identification information; quality management module (82) for issuing, selling, clearing, settlement and redemption Electronic coins, storage, verification, payment of electronic coins and members can be used to pay identification information, record the flow of information that can be paid for accounts, and also cut off the path of stealing electronic cash; store management module (Yipu management module) (83), It is used to provide audit, supervision and service for store real-name certification and cargo quality certification, the sale of goods, the management and maintenance of stores and goods, the payment of orders or the sale of goods, and the storage and update of store and cargo information.
  • a member management module (81) for members Real-name registration certification, opening membership rights, maintaining member information review, supervision and service, storing and verifying member identification information
  • quality management module (82) for issuing, selling, clearing, settlement and redemption Electronic coins, storage
  • the quality payment management module (32/62/82) further includes: a two-way multilateral security protection protocol sub-module (321/621/821) for initiating a two-way multilateral security agreement signing procedure. Signing a two-way multilateral guarantee agreement; a continuous audit sub-module (322/622/822) for initiating an electronic signature verification process to review the continuity and/or authenticity of the electronic signature It is also used to cut off the consumption path of stolen electronic property; it can be used to pay the periodic redemption payment sub-module (323/623/823), which is used to initiate the payment of the periodic redemption payment program, and simultaneously enable the redeemable payment. The countdown is also used to extend the cash withdrawal time of stolen electronic property.
  • a two-way multilateral security protection protocol sub-module (321/621/821) for initiating a two-way multilateral security agreement signing procedure. Signing a two-way multilateral guarantee agreement
  • a continuous audit sub-module (322/622/822) for initiating an electronic signature verification process to review the continuity and/or authenticity of
  • the method for paying online payment is as follows: the steps of: preparation for payment, presentation of pledge, execution of pledge, and conditional redemption of payment, the specific steps are as follows.
  • Step 1 You can pay for the preparation.
  • the quality payment system prohibits the direct binding of the pledge account to the bank account; the system retrieves the device or information bound to the pledge account, including the bank account information, and then conducts the risk prompt through the member communication device (2/5). And prompt to continue binding, please use the alternate communication device (22/52) to confirm the binding information.
  • the Qualified Payment Platform (7) implements the member real name registration and certification system; members must use the member electronic device (1/4) to enter the Qualified Payment Platform or the Qualified Platform Provider License or License before opening the Qualifying Account.
  • the member end can pay the system download end, download and install the member end quality payment system (3/6), complete the member real name registration certification (including electronic signature authentication), and open the corresponding member permissions as needed; the seller member needs to complete the store further.
  • the real-name certification and the goods quality certification, the charity sale member need to further complete the sale of the charity items;
  • the registered members include the buyer member and the seller member;
  • the buyer member includes the seller member who purchases the goods, and the seller member includes the sale of the sale sale item
  • registered members are sometimes referred to as money-buying members, money-collecting members, currency-holding members, charity members, loss-return members, flow-off members, foreclosure members, warrant members, single-coin members, ticket members, and light.
  • the goods include a service and a sale item, and correspondingly, the payment includes a service fee and a sale price;
  • the member permission package Including the redemption and payment, the quick and easy payment, the light currency can be paid, the redemption can be paid, the transfer payment, the redemption payment, the redemption payment and the electronic cash payment;
  • the member electronic device includes It is not limited to member-owned electronic devices, member-side self-service electronic devices provided or approved by the platform provider, and member-side public electronic devices approved by the platform provider.
  • Members can also obtain a member-side payable system by purchasing an electronic device product that is authorized or licensed by a premium payment platform provider and pre-installed with a member-endable payment system.
  • the member-side electronic device (1/4) After opening the Qualifying Account, use the member-side electronic device (1/4) to log in to the member-side payment system (3/6), the quality management module (32/62), and the underwriting of the electronic money.
  • People (7) apply for the purchase of electronic money, such as Baitaotongbao, the seller members can apply for the purchase of Baitaotongbao gold coins, the buyer members can apply for the purchase of Baitaotongbao silver coins, and can pay the electronic currency underwriting through the bank payment system.
  • Quality management module ( 32/62), enter the Qualifying Account and recharge the Qualifying Account by yourself; the registered member can also purchase the Qualifying Electronic by processing the Qualifying Member Card, Credit Card or Purchaseable Purchase Card or Recharge Card. Currency, recharge the pledge account to ensure that the pledge account has sufficient electronic money to pay.
  • the serviceable platform provider is also a vendor, a redeemer and a redemption payer who can pay the electronic money; the quality payment platform provider can sell the electronic money to the registered member through the quality payment platform, promise The payment is redeemable to the holder of the money within the prescribed time limit, and the payment is redeemed on the maturity date when the condition is fulfilled; for the convenience of expression, the quality payment platform is sometimes referred to as the electronic money seller, redemption The person and the redemption payer or the redemption person; the premium platform provider may also authorize or permit the relevant professional sales organization to sell the solvable electronic currency and be responsible for the conditional redemption payment within the prescribed time limit.
  • the registered member can purchase the electronic money for the first time, trigger the two-way multilateral guarantee agreement sub-module (321/621/821), initiate the signing process of the two-way multilateral guarantee agreement, and sign the two-way multilateral guarantee agreement;
  • the two-way multilateral protection agreement can be paid, and the money-sending member starts from the time when the electronic money can be purchased, or from the time of signing the vouchable payment, the actual payment is the deposit with the purchase price of the electronic money.
  • Providing a guarantyable transaction guarantee or counter-guarantee guarantee to the platform, and obtaining the pledge from the time when the pledge platform is paid against the solvable electronic currency, and the actual charge is the margin. Pay the transaction counter-guarantee or guarantee guarantee; if the purchase member signing the agreement, the system will grant the purchase of the pledgeable electronic currency; if the agreement is not signed, the system will refuse to purchase the pledgeable electronic currency.
  • the system automatically recognizes and grants the purchase of the identifiable electronic currency when the purchaser first purchases the electronic money.
  • the money-selling member may apply to the solvable electronic currency underwriter (7) to issue a vouchable payment ticket with the solvable electronic currency; the solvable payment ticket, which records: 1. Actual deposit with the registered member The consideration of the fee, the determined type and amount can be paid for the electronic currency; 2. The promise of redemption of payment at the conditional expiration; 3. The registered member shall pay the consideration for the purchase of the pledgeable electronic currency, and the actual deposit fee shall be the deposit.
  • the quality payment platform provides a guarantee for the payment of the transaction or the guarantee for the counter-guarantee; 4. The platform for the payment of the price can be used as the security for the payment of the electronically-payable electronic currency, and the security fee is provided to the member of the purchaser. Guarantee.
  • the seller member uses the member-side electronic device (1/4) to log in to the member-end payable system (3/6) store management module (33)/yipu management module (63), enters the store/yi shop, puts the goods/ The charity items are denominated in legal tender, for example, in renminbi, and are priced according to the legal currency and the solvable electronic currency.
  • the buyer member can use the member electronic device (4/1) to log in to the member.
  • Quality payment system (6/3) Yipu management module (63) / store management module (33) enter the seller's member store / Yi shop, if you choose the payment to the delivery transaction method, then select the goods, if you choose the goods For payment transactions, the goods are signed.
  • Step 2 The prompt can be paid.
  • the buyer member uses the member-side electronic device (4/1) to log in to the member-side payment system (6/3), the quality-payable management module (62/32), and the payment can be paid to the platform (7). Command, the prompt can be paid.
  • the pledge can be issued to record the solvable electronic money, and the electronic money can be delivered (7) to indicate the redemption .
  • the applicant can apply for the issuance of the decentralized ticket to the solvable electronic currency underwriter (7); if the buyer member selects part of the payment, then Before issuing the pledge certificate, apply to the redeemable electronic currency bearer (7) to issue a pledgeable debit certificate. If the pledge certificate does not record the words "transferable", it shall not be transferred. If the member chooses electronic cash payment, the premium payment platform (7) provides the member with an online transaction payment system switching service and automatically switches to the corresponding bank payment system.
  • the pledge payment warrant records: 1. Qualifying electronic money for determining the type and amount of the price, or 2. Qualifying payment documents for redemption payment; A promise or commission for the redemption of the payment within the prescribed time limit; the solvable electronic money underwriter (7) may, according to the application for the purchase of the money, divide the solvable ticket for the right holder as a member of the purchase of money into a number of A decentralized ticket is paid.
  • the redeemable electronic currency bearer (7) may, according to the application of the cash-collecting member, divide the pledge payment warrants of the solvable person into the treasury member into a number of Qualifying Debit Certificates; The words "transfer quality" shall be deemed as authorized to pay the bearer.
  • the vouchers can be used as the mother's card to issue the waiverable decentralization certificate; the pledge can not destroy the pledge The integrity of the payable ticket to which the warrant is issued.
  • the quality payment platform (7) after receiving the pledge order, performs the prompt and the quality payment review, that is, the buyer member can perform the quality pledge and the pledge authority review, and the search for the buyer member can be paid Whether the electronic currency, or/and the solvable credit line is sufficient, and whether the buyer member can vouch for sufficient authority; if the buyer member can pay the insufficient electronic currency and the credit amount is insufficient, or If the buyer member can not pay the full authority, the audit will not pass, refuse to execute and feedback the reason; otherwise, the audit will pass; if the buyer member submits the pledge certificate to indicate the redemption, the prompt can be reviewed, and the fee can be paid. Warrant review, the bearer (7) will review the valorem payables received after the approval of the solvable and solvable rights.
  • the buyer member communication device (51/21) and the backup communication device (52/22) are fed back to the buyer member for payment of the foreclosure record number, and/or the order record number is available, and It is used to execute the temporary temporary password and expiration date; if the buyer member submits the pledge certificate to indicate the redemption, after the approval, the bearer must also redeem within the time limit, and the word "redemption" can be recorded.
  • the quality payment certificate is returned to the buyer member.
  • the device Simultaneously starting the primary communication device and the backup communication device, so that the registered member can verify the identifiable communication information received by the primary communication device through the standby communication device, and pass the alternate communication when the member registration information or the valable account binding information changes.
  • the device receives the information change reminder and the confirmation change information; the change information is not valid without being confirmed by the standby communication device; when the standby communication device is used as the primary communication device, the primary communication device is regarded as the standby communication device.
  • Step 3 Execute the chargeable.
  • the buyer member uses the member-side electronic device (4/1) to log in to the member-side payment system (6/3), the quality-payable management module (62/32), and the execution of the quality to the platform (7) Pay the order, pay the electronic money to the designated seller member, and pay the pledge, pay, pay, transfer or transfer.
  • the seller member is also required to deliver the pledge warrants, wherein the buyer member selects the quick payable, and the seller member is required to issue and deliver the vouchable warrants; the buyer The member chooses to pay for the redemption and needs to pay the foreclosure pledge to the seller member.
  • the buyer member chooses to pay for the redemption, he can refer to the quick and reliable payment.
  • the seller member will issue and deliver the vouchable warrant, and promise to conditionally redeem the payment.
  • the pledge platform (7) receives the execution pledge command, performs an execution pledge audit, and retrieves whether the buyer member can pay the account for the pledge corresponding to the solvable electronic coin. Redeem the record, and/or pay the order record.
  • the pledge electronic money is transferred to the seller member to pay the account according to the retrieved corresponding pledge payment record and/or the pledge order record, wherein the acceptance is fast
  • the Qualcommable Seller Member transfers the Qualifying Electronic Money to the Seller Member Payable Account based on the retrieved corresponding Qualifying Payable Record and the Qualifying Order Record.
  • the seller member collects the electronic money that can be paid; the seller member uses the member electronic device (1/4) to log in to the member to pay the system (3/6), the quality management module (32/62), and the chargeable electronic Coin, triggering the payment of the periodic redemption payment sub-module (322/622/822), initiating the payment of the periodic redemption payment procedure, from the time the seller member collects the pledgeable electronic currency, the seller member electronic device ( 1), the buyer member electronic device (4) and the payable platform (7), synchronously open the chargeable periodic redemption payment countdown; before the end of the countdown of the payable periodic redemption payment, the system refuses to apply for redemption payment After the countdown to the payable periodic redemption payment, the system will approve the redemption payment.
  • the seller member accepts the warrants and can pay the fee, after receiving the pledgeable electronic currency, the pledge warrants are reviewed; after the pledge is passed, the vouchers are signed and the buyer is Member feedback can be used to pay the warrants receipt record number; the seller member can sign the pledge payment warrant, trigger the chargeable periodic redemption payment sub-module, from the time the seller member signs the pledge payment warrant, the synchronous start can be paid for the periodic redemption payment countdown .
  • the buyer member who chooses the warrants can be paid, after the delivery of the pledge of the electronic currency, the seller member who has not delivered the pledge payment within the stipulated period, or who accepts the warrants can be paid, after receiving the pledge of the electronic currency, If the pledge payment warrant is not signed within the time limit, the seller member has received the pledgeable electronic currency, and after the expiration of the prescribed time limit, the buyer member can automatically return the account; the seller member who accepts the warrant can be paid. If the pledge is not signed, the countdown of the temporary redemption payment will not start; the identifiable electronic money collected by the seller member for the first time will be returned for any reason, and the two-way multilateral guarantee agreement signed by the seller member will continue to be valid.
  • the seller member uses the member electronic device (1/4) to log in to the member-end payable system (3/6), the quality-payable management module (32/62), the first chargeable electronic money, triggers the two-way multilateral guarantee agreement
  • the sub-module (321/621/821) initiates the signing process for the two-way multilateral security agreement, and signs a two-way multilateral guarantee agreement; by signing a two-way multilateral guarantee agreement, the seller member collects the purchase from the buyer member. Or from the time when the electronic money can be paid, or from the time when the vouchers are paid by the buyer’s member, the actual payment is the margin for the payment of the pledge of the electronic money, and the platform can be provided to the pledge platform.
  • the payment guarantee guarantee or counter-guarantee guarantee and at the same time obtain the guaranteeable payment platform from the time of redemption, in order to pay the price with the solvable electronic currency, the actual charge is the margin, and the provided pledge transaction guarantee or guarantee guarantee That is, the seller member confirms that the electronic money is the buyer member from the time when the buyer can receive the purchase or charge of the pledge electronic money, or from the receipt of the vouchable right certificate delivered by the buyer member.
  • the rights and obligations of the guaranty transaction guarantee or counter-guarantee protection are transferred to the seller member; the seller member signs the agreement, the system allows the payment of the solvable electronic currency, and the system refuses to collect the solvable electronic currency. .
  • the seller If the seller member has signed a two-way multilateral protection agreement at the time of registration, the seller automatically recognizes and approves the payment of the identifiable electronic currency when the seller member first collects the solvable electronic currency.
  • Step 4 Redeem the payment with a conditional expiration.
  • the seller member uses the member electronic device (1/4) to log in to the member-end payable system (3/6) to pay the management module (32/62) to the bearer. (7) Submit a self-discipline certificate, a pledge payment record, and a redeemable payment request for redemption, etc., prompting redemption of payment.
  • the seller member can submit the pledgeable self-discipline certificate, the pledge certificate, and the pledge to the bearer (7) after the end of the periodic redemption payment countdown period. If the seller member fails to make a self-discipline determination or fails to obtain a self-discipline certificate, the system refuses to prompt the redemption payment.
  • the reference can be made to the underwriter (7) with reference to the fast pledge (including the vouchable payment). Applying for the purchase can be paid for the redemption payment of the electronic currency.
  • the identifiable electronic currency that has been reported to be lost by the member is declared invalid, then after the loss of the solvable electronic currency is declared invalid, the license can be paid for, and the application can be reported to the Qualified Payment Platform (7). Pay the electronic currency to get back.
  • the seller member receives the redemption payment, he can apply for the payment of the redeemable payment due to the buyer member electronic device (4/1) with reference to the warrant; the redemption member can redeem the payment.
  • the reference warrants can be paid and the underwriters (7) apply for the redemption payment procedures for the self-renewal and payment of the electronic currency.
  • the applicant may apply to the bearer (7) for early payment of the redeemable payment during the delivery of the pledge certificate; Payment refers to the redemption of the warrants submitted by the seller's member to the seller's member during the delivery of the pledge certificate, and the redemption payment review is carried out. After the approval, the payment is redeemed before the due date. Paying behavior; if the pledge payment certificate does not record the words "resolvable redemption payment", no redemption payment may be handled.
  • the bearer (7) receives the prompt redemption payment, performs a redeemable payment redemption review, and searches whether the seller member can pay the account for the existence of the pledge payment order corresponding to the solvable electronic money. If the search does not exist, the review fails, the redemption payment is refused, and the reason is returned; if the search exists, the review is passed, and the corresponding pledge command record retrieved according to the seller member's chargeable account is expired. On the day, the seller can deduct the evaluable electronic money from the seller member to pay the account, and then pay the redemption amount of the consideration to the seller member bank account through the bank payment system, and complete the redeemable payment.
  • the redemption payment review can be paid, and the pledge payment certificate review is also included, and the redemption payment review result can be confirmed by both members; after the approval, According to the results of the auditable redemption payment confirmed by the members of the two parties, and the corresponding pledge payment record retrieved by the seller member's pledge account, and/or the vouchable payment receipt record, and the pledge order Record, redeem the payment on the due date.
  • the buyer member does not confirm, refuses to confirm or disputes the result of the redemption payment review, refuses to redeem the payment, and notifies the seller member in writing of the reason for refusing the redemption payment; the buyer member is for the goods or for Objections raised by the Qualifying Documents not recorded in the Qualifying Warrants are not considered to be objections to the results of the redemption payment review.
  • the implementation of the warrants can be used to pay for the redemption of the three-party independent review and the buyer member to vote one-vote, the buyer members are designed to be able to pay the goalkeeper, which can further prevent the risk.
  • the seller member receives the redemption payment, and the quality payment is over; the redeemable electronic money can be paid for the platform and the purchase member, the purchase member (the buyer member) and the receipt member (the seller member).
  • the pledge rights and obligations set between the money-collecting members and the payable platform and between them based on the solvable electronic currency are eliminated.

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Abstract

一种可质付网上交易支付方法及系统，所述方法包括可质付准备、提示可质付、执行可质付和有条件到期赎回付款步骤；所述系统包括卖家会员端电子设备（1）、卖家会员通信设备（2）、卖家会员端可质付系统（3）、买家会员端电子设备（4）、买家会员通信设备（5）、买家会员端可质付系统（6）、可质付平台（7）、可质付平台端可质付系统（8），它们通过互联网等互联互通网络联接。通过赋予可质付电子币质押支付功能和双向多边保障功能，克服了电子现金单向单边保障缺陷，切断了盗窃电子现金路径和被盗电子财产消费路径，延长了被盗电子财产取现时间，维护了网上交易安全和网上支付安全。

Description

一种可质付网上交易支付方法及系统 技术领域
本发明涉及网上交易支付领域，特别是一种可质付网上交易支付方法及系统。
背景技术
随着互联网经济的不断发展，网上交易安全和网上支付安全日益成为人们关注的焦点。
作为网上交易支付工具的电子货币(电子现金)先天存在着单向单边保障的缺陷和即时转移支付的缺陷，加上盗窃电子现金的犯罪预防技术先天滞后于盗窃电子现金的犯罪技术，这就使得盗窃电子现金犯罪开始的时间，就是犯罪结束的时间，也就是被窃电子现金或被取现或被转移或被消费的时间；可谓千防万防，一着得手防不胜防。
作为新兴网上交易支付工具的电子代币，不仅先天存在着合法性的争议，而且发售商也良莠不齐，信誉千差万别，以发售电子代币之名行非法融资、非法集资、金融诈骗或传销之实者，不在少数，购币者利益无法得到保障，一旦发售商投资失败或卷钱跑路，购币者便血本无归。盗窃电子现金的犯罪预防技术先天滞后于盗窃电子现金的犯罪技术，虽不以人的意志为转移，但仍可通过切断盗窃电子现金路径、切断被盗电子财产消费路径、延长被盗电子财产取现时间等技术来解决，以降低盗窃电子财产的犯罪率，并为避免造成电子财产实际损失赢取时间；电子现金存在的单向单边保障缺陷和电子代币存在的合法性争议问题，看似是“先天”，实际是法律技术手段过于单一造成的；既然是法律技术问题，自然可以通过法律技术手段加以解决。
正是基于此，发明人以“互联网+”和“法律+”为指引，在现有互联网技术及民事法律理论的基础上，进行理论创新和方法创新，发明了集质押物、等价物及当物优势于一身的质付物——可质付电子币或质付币，质付物不限于电子形态，还可以是实物形态；同时运用物理隔断技术，切断可质付电子币与电子现金的物理联系，进而切断了盗窃电子现金的路径；运用可质付连续审核技术，切断了被盗电子财产的消费路径；运用可质付定期赎回付款技术，延长了被盗电子财产的取现时间；运用可质付双向多边保障协议技术，解决了电子现金单向单边保障缺陷和电子代币合法性争议问题；在此基础上，发明了一种可质付网上交易支付方法及系统。
本发明的技术优势：一是网上支付安全合法有保障，以可质付电子币作为网上交易支付工具，有效解决了电子现金被盗问题和单向单边保障缺陷问题；同时，可质付电子币作为质付物是 特殊的担保物权客体，不仅自身利益受到法律保护，也使得购币者的利益同样受到法律保护；二是网上支付方便快捷全兼顾，小额支付选择光币可质付，像使用零钱一样方便；一般支付选择票币可质付，像使用见票即付的汇票一样快捷；大额支付选择单币可质付，像使用跟单信用证一样规范；同时支持电子现金支付。
目前尚未检索到可质付网上交易支付方法及系统的相关专利文献。
发明内容
一种可质付网上交易支付方法及系统，简称可质付方法及系统。
所述可质付，即可质押支付，是本发明提出的一个新概念；可质付，是一种以具有质押支付功能和双向多边保障功能的可质付电子币为质付物、质押支付货款的新型网上交易支付方式，又称为保质付或保支付；以可质付电子币为质付物、质押支付货款的网上交易，则称为可质付网上交易或可质付交易。
在可质付方式下：买家会员以质押支付为目的，向可质付电子币承销人购买可质付电子币，经可质付平台承赎、授权或许可，依托可质付系统，以购买或/及收取的全部或部分可质付电子币为质付物，向卖家会员质押支付全部或部分货款，自行承诺或委托可质付电子币承赎人在规定期限内向卖家会员有条件到期赎回付款；卖家会员接受买家会员以可质付电子币为质付物，质押支付货款，当条件成就时，向买家会员或承赎人申请可质付到期赎回付款；可质付平台依托可质付系统，向注册会员定向销售可质付电子币，承诺在规定期限内有条件到期赎回付款；在条件成就时，向持币会员到期赎回付款。
所述条件是指注册会员使用可质付电子币进行可质付，自愿遵守会员章程和可质付规则，对违反会员章程和可质付规则的行为，自愿接受并主动履行、可质付平台依据会员章程和可质付规则予以的可质付罚款；若注册会员选择或接受权证可质付，则所述条件还包括注册会员向承赎人提示承赎或提示赎回付款，所交付的可质付权证，必须单证相符；所述承赎是指可质付电子币销售人对购币会员，或可质付电子币承赎人对提交单证相符的可质付权证、提示承赎的持币会员，承诺在规定到期日有条件向持币会员支付对价赎回款、赎回可质付电子币的可质付行为；所述赎回付款是指可质付电子币承赎人对持币会员提示赎回付款所交付的可质付进账流水记录或可质付权证，进行可质付赎回付款审核，审核通过后，在规定到期日支付对价赎回款、赎回可质付电子币的可质付行为。
经承赎人承赎的可质付称为承赎可质付，指可质付电子币必须和记载所述可质付电子币的可质付权证一起、经提示承赎并获得承赎人承赎后方可使用，并在到期日有条件赎回付款的可质付，又称跟单可质付或单币可质付。
经承赎人授权的可质付称为快捷可质付，指可质付电子币无论单独使用还是与可质付权证一 起使用，均无需提示承赎即可获得承赎人承赎，并在到期日有条件赎回付款的可质付，分为票币可质付和光币可质付；所述票币可质付指可质付电子币必须和可质付权证一起使用，且可质付权证所附可质付单据仅限于可质付权票的快捷可质付，又称跟票可质付；所述光币可质付指可质付电子币单独使用的快捷可质付；单币可质付和票币可质付合称权证可质付；广义的承赎可质付包括快捷可质付，狭义的承赎可质付仅指单币可质付，无特别说明，承赎可质付指单币可质付；广义的快捷可质付包括光币可质付，狭义的快捷可质付仅指票币可质付，无特别说明，快捷可质付指票币可质付。
经承赎人许可的可质付称为自赎可质付，指可质付电子币必须和可质付权证一起使用，由使用人承诺有条件到期赎回付款，并在到期日有条件赎回付款的可质付。
此外，以购买的可质付电子币为质付物进行的可质付称为质付，其中，以单次购买的部分可质付电子币为质付物进行的质付，称为部分质付；以收取的可质付电子币为质付物进行的可质付称为转质付，其中，以单次收取的部分可质付电子币为质付物进行的转质付，称为部分转质付；广义的可质付包括转质付，狭义的可质付仅指质付。
所述可质付电子币，简称可质付币或质付币，是可质付平台提供商以质押支付为目的，通过可质付平台，向以实际缴存费用为保证金、提供可质付交易担保或反担保保障的注册会员，定向销售，并承诺以实际收取费用为保证金、提供可质付交易反担保或担保保障，和有条件到期赎回付款的数字产品，是电子形态的质押支付物，简称质付物；具有以下主要特征：1、质押支付，区别于不具支付功能的质押物；2、双向多边保障，区别于仅具单向单边保障功能的等价物(电子现金)；3、可质付主体多样性与赎回付款主体唯一性，区别于收当主体唯一性与赎当主体多样性的当物；4、互联网+法律+，区别于合法性备受争议的传统电子币(电子代币)。
光币可质付使用的可质付电子币，简称光币；跟单可质付使用的可质付电子币，简称跟单币或单币；跟票可质付使用的可质付电子币，简称跟票币或票币；单币和票币合称权证币；注册会员已申请签发可质付权票但未用于可质付交易的可质付电子币，称为权票币；权证币与权票币合称记名币又称有名币，可报失；光币是不记名币又称无名币，不可报失；所述报失即可质付报失，指可质付电子币报失，是注册会员发现购买或收取的记名币被盗后，向可质付平台提交被盗可质付电子币的流水记录和流向会员名单，申报可质付电子币丢失，并要求宣告被盗可质付电子币取得无效、取回被盗可质付电子币的可质付行为；被盗可质付电子币可称为报失可质付电子币或报失币。
注册会员进行可质付，需向可质付电子币承销人购买可质付电子币，并可申请签发记载所述可质付电子币的可质付权票；所述可质付权票，即可质付电子权票，简称质付权票或质付票， 是可质付电子币承销人以质押支付为目的，依托可质付系统签发的，以购币会员为权利人、记载所述可质付电子币和有条件到期赎回付款承诺的可质付权利凭证，也是可质付平台以与销售可质付电子币对价的、实际收取费用为保证金，向购币会员提供可质付交易反担保或担保保障的可质付反担保单或可质付担保单。
根据可质付平台提供商被许可经营的业务收费范围，可质付电子币承销人实际收取费用不限于保证金，还包括且不限于保险费用、存款费用、债权认购款费用、代持债权认购款费用、股份认购款费用、代持股份认购款费用、基金份额认购款费用、应收账款费用、定金、预付款或货款费用等；相应的，可质付权票还可以是可质付保险单、可质付存款单、可质付汇票、可质付本票、可质付支票或可质付信用证、可质付债权证、可质付代持债权证、可质付股权证或可质付股票、可质付代持股权证或可质付代持股票、可质付基金份额权证、可质付应收账款权证、可质付订单、可质付仓单或可质付提单等。
注册会员进行可质付，需向卖家会员交付与货款对价的可质付电子币，并可签发记载所述可质付电子币的可质付权证；所述可质付权证，即可质付电子权证，简称质付权证或质付证，是买家会员以购买或收取的全部或部分可质付电子币为质付物，依托可质付系统签发的，以卖家会员为可质付权人，记载与全部或部分货款对价的可质付电子币、据以赎回付款的可质付单据和有条件到期赎回付款的委托或承诺的可质付权利凭证；所述可质付单据包括据以证实真实可质付交易关系的可质付单证，和据以证实对价可质付关系的可质付票证等；所述可质付单证指记载于可质付权证上的可质付订单、可质付发货单、可质付运单、可质付保单、可质付提单及与可质付交易相关的凭证等；所述可质付票证是可质付权票(包含可质付分权票)和可质付权证(包含可质付分权证)的合称；可质付单据仅限于可质付权票的可质付权证，称为跟票可质付权证或票币可质付权证；可质付单据不限于可质付权票的可质付权证，统称为跟单可质付权证或单币可质付权证；单币可质付权证即承赎可质付权证，票币可质付权证即快捷可质付权证。
所述可质付方法包括：可质付准备、提示可质付、执行可质付和有条件到期赎回付款等步骤，具体步骤如下。
步骤1：可质付准备。
101、在可质付平台数据库开立可质付账户，并绑定会员端电子设备和会员通信设备。
所述可质付平台隶属于可质付平台提供商；所述可质付平台提供商是可质付平台的所有人、运营人和维护人；所述可质付账户是可质付平台依托可质付系统，为注册会员开立的、用于收付和存放可质付电子币的可质付户头，具有以下主要特征：1、依存于可质付系统，与银行支付系统没有物理联系；2、用于收付和存放可质付电子币，与电子现金没有物理联系；3、 禁止直接绑定银行账户。
会员在开立可质付账户前，需下载安装会员端可质付系统，完成会员实名注册认证，并根据需要开通相应会员权限；卖家会员需进一步完成店铺实名认证和货物品质认证，义卖会员需进一步完成义卖物品备案。
102、开立可质付账户后，向可质付电子币承销人申请购买可质付电子币，并缴存费用，由可质付电子币承销人将注册会员实际缴存费用，即实际收取费用，兑换成确定种类和数额的可质付电子币，存入所述购币会员的可质付账户，进行可质付账户充值。
注册会员首次购买可质付电子币，触发可质付双向多边保障协议子模块，启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；通过签订可质付双向多边保障协议，购币会员自购买可质付电子币时起，或自签收可质付权票时起，以与购买可质付电子币对价的、实际缴存费用为保证金，向可质付平台提供可质付交易担保或反担保保障，同时获得可质付平台自承赎时起，以与所述可质付电子币对价的、实际收取费用为保证金，提供的可质付交易反担保或担保保障。
可质付平台实际收取费用，即是可质付电子币销售价款，又是可质付交易保证金，具有二重性。
可质付电子币以谁购买谁使用、谁使用谁负责为原则；在承赎人赎回付款之前，购币会员对使用的，及同意转质付或同意议赎付款的、所述购买的可质付电子币，负有保证承赎和保证赎回付款的义务。
购币会员可向可质付电子币承销人申请签发记载所述可质付电子币的可质付权票；若注册会员未申请签发可质付权票，则注册会员购买可质付电子币取得的可质付进账流水记录，与记载可质付电子币的可质付权票具有同等效力。
103、卖家会员把货物以可质付电子币标价；买家会员若选择款到发货交易方式，则选定货物，若选择货到付款交易方式，则签收货物。
步骤2：提示可质付。
201、买家会员向可质付平台下达可质付命令，提示可质付。
若买家会员选择承赎可质付，则在提示可质付时，签发记载所述可质付电子币的可质付权证，交付可质付电子币承赎人，提示承赎。
可质付电子币以谁销售谁承赎、谁承赎谁赎回为原则，以买家会员自行承赎和赎回为例外；可质付电子币销售人，即是可质付电子币的承赎人，也是可质付电子币的赎回付款人。
202、可质付平台收到可质付命令后，进行提示可质付审核，即对买家会员进行可质付能力和可质付权限审核，检索所述买家会员可质付电子币，或/及可质付信用额度是否充足，及所述 买家会员可质付权限是否充足；若所述买家会员可质付电子币不足且可质付信用额度不足，或所述买家会员可质付权限不足，则审核不通过，拒绝执行并反馈原因；否则，审核通过；若买家会员提交可质付权证提示承赎，则提示可质付审核，还包括可质付权证审核，承赎人(7)在可质付能力和可质付权限审核通过后，对收到的可质付权证进行审核。
审核通过后，向所述买家会员主用通信设备(51/21)和备用通信设备(52/22)反馈所述可质付承赎记录编号，及/或可质付命令记录编号，及用于执行可质付的临时密码和有效期；若买家会员提交可质付权证提示承赎，审核通过后，承赎人还需在限期内承赎，并将记载“承赎”字样的可质付权证交还所述买家会员。
步骤3：执行可质付。
301、买家会员向可质付平台下达执行可质付命令，向指定卖家会员可质付账户支付可质付电子币，进行可质付消费、缴费、义捐或转账。
若买家会员选择权证可质付，还需向所述卖家会员交付可质付权证，其中，买家会员选择快捷可质付，需向所述卖家会员签发并交付可质付权证；买家会员选择承赎可质付，需向所述卖家会员交付承赎可质付权证。
302、可质付平台收到执行可质付命令，进行执行可质付审核，检索所述买家会员可质付账户是否存在与所述可质付电子币对应的可质付承赎记录，及/或可质付命令记录。
审核通过后，根据检索出的对应的可质付承赎记录，及/或可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户，其中，对接受快捷可质付(含光币可质付)的卖家会员，根据检索出的对应的可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户；对接受承赎可质付的卖家会员，根据检索出的对应的可质付承赎记录和可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户。
303、卖家会员收取可质付电子币；卖家会员收取可质付电子币，触发可质付定期赎回付款子模块，启动可质付定期赎回付款程序，自卖家会员收取可质付电子币时起，所述卖家会员端电子设备、买家会员端电子设备和可质付平台，同步开启可质付定期赎回付款倒计时。
若卖家会员接受权证可质付，则在收取可质付电子币后，对收到的可质付权证进行审核；可质付权证审核通过后，签收可质付权证，并向所述买家会员反馈可质付权证签收记录编号；卖家会员签收可质付权证，触发可质付定期赎回付款子模块，自卖家会员签收可质付权证时起，同步开启可质付定期赎回付款倒计时。
卖家会员首次收取可质付电子币，触发可质付双向多边保障协议子模块，启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；通过签订可质付双向多边保障协议，卖家会员(收币会员)自收取买家会员交付的购买或收取的可质付电子币时起，或自签收买 家会员交付的可质付权证时起，以与收取可质付电子币对价的、实际货款费用为保证金，向可质付平台提供可质付交易担保或反担保保障，同时获得可质付平台自承赎时起，以与所述可质付电子币对价的、实际收取费用为保证金，提供的可质付交易反担保或担保保障；即卖家会员确认自收取买家会员交付的购买或收取的可质付电子币时起，或自签收买家会员交付的可质付权证时起，所述可质付电子币为买家会员设定的、可质付交易担保或反担保保障的权利和义务，一并转移给卖家会员(收币会员)。
在承赎人赎回付款之前，卖家会员对使用的，及同意转质付或同意议赎付款的、所述收取的可质付电子币，负有保证承赎和保证赎回付款义务。
步骤4：有条件到期赎回付款。
401、卖家会员在定期赎回付款倒计时结束后，向承赎人提交可质付进账流水记录等，提示赎回付款。
若卖家会员接受权证可质付，则在定期赎回付款倒计时结束后、可质付权证交单期内向承赎人提交可质付权证等，提示赎回付款；卖家会员在定期赎回付款倒计时开始后、提示赎回付款之前，进行可质付自律认定，并在提示赎回付款时，提交由可质付平台出具的可质付自律认定书；所述可质付自律认定是指可质付平台根据注册会员申请，向注册会员出具，注册会员在特定期间内无违反会员章程和可质付规则的行为，或注册会员在特定期间内的可质付罚款已全部履行完毕的意见。
402、承赎人收到提示赎回付款，进行可质付赎回付款审核，检索所述卖家会员可质付账户是否存在与所述可质付电子币对应的可质付命令记录；审核通过，根据所述卖家会员可质付账户检索出的对应的可质付命令记录，在到期日通过可质付系统从所述卖家会员可质付账户扣划对价的可质付电子币，然后通过银行支付系统向卖家会员银行账户支付对价的赎回款，完成可质付赎回付款。
若卖家会员提交可质付权证，提示赎回付款，则可质付赎回付款审核，还包括可质付权证审核，且可质付赎回付款审核结果需经双方会员确认；审核通过后，根据双方会员确认的可质付赎回付款审核结果，及所述卖家会员可质付账户检索出的对应的可质付承赎记录，及/或可质付权证签收记录，及可质付命令记录，在到期日赎回付款。
所述可质付权证审核，包括可质付连续审核和可质付相符交单审核；卖家会员或承赎人收到可质付权证，触发可质付连续审核子模块，启动可质付连续审核程序，由系统对所述可质付权证及所附可质付票证的电子签名连续性及/或真实性进行审核；若可质付电子签名不真实或不连续，则审核不通过，系统直接拒绝接收可质付权证，或直接拒绝承赎或拒绝赎回付款；若可质付电子签名连续且/或真实，则审核通过，系统提示所述卖家会员或承赎人，进行可质 付相符交单审核；
所述卖家会员或承赎人，根据系统提示进行可质付相符交单审核；若发现交单不符，在限期内一次性告知不符点并要求限期修正；若在限期内未对不符点进行修正，则审核不通过，所述卖家会员拒绝接收可质付权证，承赎人拒绝承赎或拒绝赎回付款；若交单相符，则审核通过。
所述可质付连续，即可质付电子签名连续，是指可质付权证与所附可质付票证之间的质付人、质付权人(转质付人)和转质付权人的电子签名依次前后衔接；所述可质付相符交单，是指可质付权证规定的所有可质付单据之间，及所有可质付单据与可质付权证之间，表面一致的交单。
实行可质付连续审核和可质付相符交单审核人机分离，可有效防范过度依赖系统审核给网络木马等恶意程序或网络黑客造成可乘之机，及过分度依赖人力审核产生的权力腐败和人力浪费问题。
403、卖家会员收到赎回款，可质付结束；可质付电子币一经赎回，可质付平台与购币会员、购币会员(买家会员)和收币会员(卖家会员)、收币会员与可质付平台之间以及相互之间，基于所述可质付电子币设定的各项可质付权利和义务随之消灭。
所述可质付系统包括：卖家会员端电子设备、卖家会员通信设备、卖家会员端可质付系统、买家会员端电子设备、买家会员通信设备、买家会员端可质付系统、可质付平台、可质付平台端可质付系统，它们通过互联网等互联互通网络联接；所述卖家会员端电子设备和买家会员端电子设备合称会员端电子设备，所述卖家会员通信设备和买家会员通信设备合称会员通信设备，所述卖家会员端可质付系统和买家会员端可质付系统合称会员端可质付系统。
所述会员端电子设备安装会员端可质付系统，所述会员端可质付系统包括：会员管理模块，用于会员实名注册认证、开通会员权限、维护和验证会员身份识别信息；可质付管理模块，用于开立可质付账户，存放和收付可质付电子币，验证可质付电子币和会员可质付识别信息，记录可质付账户流水信息，还用于切断盗窃电子现金的路径；店铺管理模块/义铺管理模块，用于卖家会员进行店铺实名认证、货物品质认证、义卖物品备案、店铺和货物管理与维护、接受或下达可质付订单或可质付义卖订单，或买家会员进行义卖物品备案、义卖物品管理与维护、下达可质付订单，接受或下达可质付义卖订单。
所述会员通信设备，包括：主用通信设备和备用通信设备，用于与可质付平台进行会员识别信息验证通信，备用通信设备还用于在会员注册信息或可质付账户绑定信息发生变动时接收信息变动提醒和确认变动信息。
所述可质付平台安装可质付平台端可质付系统，所述可质付平台端可质付系统包括：会员管 理模块，用于为会员实名注册认证、开通会员权限、维护会员信息提供审核、监管和服务，存储和验证会员身份识别信息；可质付管理模块，用于发行、销售、清算、结算和赎回可质付电子币，存储、验证可质付电子币和会员可质付识别信息，记录可质付账户流水信息，还用于切断盗窃电子现金的路径；店铺管理模块(义铺管理模块)，用于为店铺实名认证和货物品质认证、义卖物品备案、店铺和货物的管理与维护、可质付订单或可质付义卖订单提供审核、监管和服务，存储、更新店铺和货物信息。
其中，所述可质付管理模块，还包括：可质付双向多边保障协议子模块，用于启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；可质付连续审核子模块，用于启动可质付电子签名审核程序，对可质付电子签名连续性及/或真实性进行审核，还用于切断被盗电子财产的消费路径；可质付定期赎回付款子模块，用于启动可质付定期赎回付款程序，同步开启可质付赎回付款倒计时，还用于延长被盗电子财产的取现时间。
可质付为可质付交易服务，可质付系统支持可质付交易。
附图说明
以下附图和描述，省略了对公知功能和结构部分，以及可相互参照、相互补充部分的描述。
图1出示了本发明实施例提供的可质付网上交易支付系统示意图。
图2出示了本发明实施例提供的可质付网上交易支付方法流程示意图。
具体实施方式
参见图1，所述可质付网上交易支付系统包括：卖家会员端电子设备(1)、卖家会员通信设备(2)、卖家会员端可质付系统(3)、买家会员端电子设备(4)、买家会员通信设备(5)、买家会员端可质付系统(6)、可质付平台(7)、可质付平台端可质付系统(8)，它们通过互联网等互联互通网络联接。
所述会员端电子设备(1/4)安装会员端可质付系统(3/6)，所述会员端可质付系统(3/6)包括：会员管理模块(31/61)，用于会员实名注册认证、开通会员权限、维护和验证会员身份识别信息；可质付管理模块(32/62)，用于开立可质付账户，存放和收付可质付电子币，验证可质付电子币和会员可质付识别信息，记录可质付账户流水信息，还用于切断盗窃电子现金的路径；店铺管理模块(33)/义铺管理模块(63)，用于卖家会员进行店铺实名认证、货物品质认证、义卖物品备案、店铺和货物管理与维护、接受或下达可质付订单或可质付义卖订单，或买家会员进行义卖物品备案、义卖物品管理与维护、下达可质付订单，接受或下达可质付义卖订单。
所述会员通信设备(2/5)，包括：主用通信设备(21/51)和备用通信设备(22/52)，用于与可质付平台进行会员识别信息验证通信，备用通信设备还用于在会员注册信息或与可质付账 户绑定信息发生变动时接收信息变动提醒和确认变动信息。
所述可质付平台(7)安装可质付平台端可质付系统(8)，所述可质付平台端可质付系统(8)包括：会员管理模块(81)，用于为会员实名注册认证、开通会员权限、维护会员信息提供审核、监管和服务，存储和验证会员身份识别信息；可质付管理模块(82)，用于发行、销售、清算、结算和赎回可质付电子币，存储、验证可质付电子币和会员可质付识别信息，记录可质付账户流水信息，还用于切断盗窃电子现金的路径；店铺管理模块(义铺管理模块)(83)，用于为店铺实名认证和货物品质认证、义卖物品备案、店铺和货物的管理与维护、可质付订单或可质付义卖订单提供审核、监管和服务，存储、更新店铺和货物信息。
其中，所述可质付管理模块(32/62/82)，还包括：可质付双向多边保障协议子模块(321/621/821)，用于启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；可质付连续审核子模块(322/622/822)，用于启动可质付电子签名审核程序，对可质付电子签名连续性及/或真实性进行审核，还用于切断被盗电子财产的消费路径；可质付定期赎回付款子模块(323/623/823)，用于启动可质付定期赎回付款程序，同步开启可质付赎回付款倒计时，还用于延长被盗电子财产的取现时间。
参见图2，所述可质付网上交易支付方法，包括：可质付准备、提示可质付、执行可质付和有条件到期赎回付款等步骤，具体步骤如下。
步骤1：可质付准备。
101、在可质付平台(7)的数据库中开立可质付账户，并绑定会员端电子设备(1/4)和会员通信设备(2/5)，把可质付账户与会员端电子设备(1/4)和会员通信设备(2/5)建立对应关系。
可质付系统禁止把可质付账户与银行账户直接绑定；系统检索出与可质付账户绑定的设备或信息，包含银行账户信息，则通过会员通信设备(2/5)进行风险提示，并提示如需继续绑定，请使用备用通讯设备(22/52)确认绑定信息。
可质付平台(7)实行会员实名注册认证制；会员在开立可质付账户前，需使用会员端电子设备(1/4)进入可质付平台或可质付平台提供商授权或许可的会员端可质付系统下载端，下载安装会员端可质付系统(3/6)，完成会员实名注册认证(含电子签名认证)，并根据需要开通相应会员权限；卖家会员需进一步完成店铺实名认证和货物品质认证、义卖会员需进一步完成义卖物品备案；所述注册会员包括买家会员和卖家会员；所述买家会员包括购买货物的卖家会员，所述卖家会员包括销售义卖物品的买家会员；为了方便表述，注册会员有时又称为购币会员、收币会员、持币会员、义卖会员、报失会员、流向会员、承赎会员、权证会员、单币会员、票币会员、光币会员等；所述货物包括服务和义卖物品，相应的，所述货款包括 服务费用和义卖价款；所述会员权限包括承赎可质付、快捷可质付、光币可质付、自赎可质付、转质付、赎回付款、议赎付款和电子现金支付等权限；所述会员端电子设备，包括且不限于会员自有电子设备、可质付平台提供商提供或认可的会员端自助电子设备、可质付平台提供商认可的会员端公用电子设备等。
会员也可通过购买经可质付平台提供商授权或许可、预装会员端可质付系统的电子设备产品等方式，获得会员端可质付系统。
102、开立可质付账户后，使用会员端电子设备(1/4)登录会员端可质付系统(3/6)可质付管理模块(32/62)，向可质付电子币承销人(7)申请购买可质付电子币，比如百淘通宝币，卖家会员可申请购买百淘通宝金币，买家会员可申请购买百淘通宝银币，并通过银行支付系统可质付电子币承销人指定银行账户缴存与购买可质付电子币对价的费用，由可质付电子币承销人(7)按照法定货币与可质付电子币一定兑换比率，比如按照人民币与可质付电子币一定兑换比率，将注册会员实际缴存费用，即实际收取费用，兑换成确定种类和数额的可质付电子币，存入所述购币会员的可质付账户，进行可质付账户充值；也可通过银行支付系统，直接向可质付平台提供商银行账户缴存费用，购买可质付电子币，然后使用会员端电子设备(1/4)登录会员端可质付系统(3/6)可质付管理模块(32/62)，进入可质付账户，自行进行可质付账户充值；注册会员还可通过办理可质付会员卡、信用卡或购买可质付购物卡、充值卡等方式，购买可质付电子币，进行可质付账户充值，确保可质付账户有足额的可质付电子币。
所述可质付平台提供商也是可质付电子币的发售人、承赎人和赎回付款人；可质付平台提供商通过可质付平台向注册会员定向销售可质付电子币，承诺在规定期限内向持币会员有条件到期赎回付款，并在条件成就时，在到期日赎回付款；为了便于表述，可质付平台有时称为可质付电子币销售人、承赎人和赎回付款人或赎回人；可质付平台提供商也可授权或许可有关专业销售机构销售可质付电子币，并负责在规定期限内有条件赎回付款。
注册会员首次购买可质付电子币，触发可质付双向多边保障协议子模块(321/621/821)，启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；通过签订可质付双向多边保障协议，购币会员自购买可质付电子币时起，或自签收可质付权票时起，以与购买可质付电子币对价的、实际缴存费用为保证金，向可质付平台提供可质付交易担保或反担保保障，同时获得可质付平台自承赎时起，以与所述可质付电子币对价的、实际收取费用为保证金，提供的可质付交易反担保或担保保障；购币会员签订协议，则系统准予购买可质付电子币；不签协议，则系统拒绝购买可质付电子币。
会员通过银行支付系统，直接向可质付平台提供商银行账户缴存费用，购买可质付电子币， 视同接受可质付双向多边保障协议，并在进入可质付平台，进行首次可质付电子币充值时，签订可质付双向多边保障协议。
若购币会员在注册时已签订可质付双向多边保障协议，则购币会员首次购买可质付电子币时，系统自动识别并准予购买可质付电子币。
会员实名注册认证、店铺实名认证、货物品质认证和义卖物品备案是实施可质付双向多边保障协议的前提、基础和保证。
购币会员可向可质付电子币承销人(7)申请签发记载所述可质付电子币的可质付权票；所述可质付权票，记载：1、与注册会员实际缴存费用对价的、确定种类和数额可质付电子币；2、有条件到期赎回付款的承诺；3、注册会员以与购买可质付电子币对价的、实际缴存费用为保证金，向可质付平台提供可质付交易担保或反担保保障；4、可质付平台以与销售可质付电子币对价的、实际收取费用为保证金，向购币会员提供可质付交易反担保或担保保障。
103、卖家会员使用会员端电子设备(1/4)登录会员端可质付系统(3/6)店铺管理模块(33)/义铺管理模块(63)，进入店铺/义铺，把货物/义卖物品以法定货币计价，比如以人民币计价，并按照法定货币与可质付电子币一定兑换比率以可质付电子币标价；买家会员使用会员端电子设备(4/1)登录会员端可质付系统(6/3)义铺管理模块(63)/店铺管理模块(33)，进入卖家会员的店铺/义铺，若选择款到发货交易方式，则选定货物，若选择货到付款交易方式，则签收货物。
步骤2：提示可质付。
201、买家会员使用会员端电子设备(4/1)登录会员端可质付系统(6/3)可质付管理模块(62/32)，向可质付平台(7)下达可质付命令，提示可质付。
若买家会员选择承赎可质付，则在提示可质付时，签发记载所述可质付电子币的可质付权证，交付可质付电子币承赎人(7)，提示承赎。
若买家会员选择部分质付，则在签发可质付权证前，向可质付电子币承销人(7)申请签发可质付分权票；若买家会员选择部分转质付，则在签发可质付权证前，向可质付电子币承赎人(7)申请签发可质付分权证，若可质付权证未记载“可转质付”字样，则不得转质付；若买家会员选择电子现金支付，则可质付平台(7)为会员提供网上交易支付系统切换服务，自动切换到相应的银行支付系统。
所述可质付权证，记载：1、与全部或部分货款对价的、确定种类和数额的可质付电子币；2、据以赎回付款的可质付单据；3、对相符交单在规定期限内有条件到期赎回付款的承诺或委托；可质付电子币承销人(7)可根据购币会员申请，把权利人为购币会员的可质付权票，分为若干个可质付分权票。可质付电子币承赎人(7)可根据收币会员申请，把可质付权人为收币会 员的可质付权证，分为若干个可质付分权证；可质付权证记载“可转质付”字样，视同授权可质付承赎人，可根据可质付权人申请，以可质付权证为母证，签发可质付分权证；可质付分权证不得破坏可质付权证所属可质付票证的完整性。
202、可质付平台(7)收到可质付命令后，进行提示可质付审核，即对买家会员进行可质付能力和可质付权限审核，检索所述买家会员可质付电子币，或/及可质付信用额度是否充足，及所述买家会员可质付权限是否充足；若所述买家会员可质付电子币不足且可质付信用额度不足，或所述买家会员可质付权限不足，则审核不通过，拒绝执行并反馈原因；否则，审核通过；若买家会员提交可质付权证提示承赎，则提示可质付审核，还包括可质付权证审核，承赎人(7)在可质付能力和可质付权限审核通过后，对收到的可质付权证进行审核。
审核通过后，向所述买家会员主用通信设备(51/21)和备用通信设备(52/22)反馈所述可质付承赎记录编号，及/或可质付命令记录编号，及用于执行可质付的临时密码和有效期；若买家会员提交可质付权证提示承赎，审核通过后，承赎人还需在限期内承赎，并将记载“承赎”字样的可质付权证交还所述买家会员。
同时启动主用通信设备和备用通信设备，便于注册会员通过备用通信设备核实主用通信设备收取的可质付通信信息，并在会员注册信息或可质付账户绑定信息发生变动时通过备用通信设备接收信息变动提醒和确认变动信息；所述变动信息，未经备用通信设备确认，不生效；当备用通信设备被用作主用通信设备时，主用通信设备视为备用通信设备。
步骤3：执行可质付。
301、买家会员使用会员端电子设备(4/1)登录会员端可质付系统(6/3)可质付管理模块(62/32)，向可质付平台(7)下达执行可质付命令，向指定卖家会员可质付账户支付可质付电子币，进行可质付消费、缴费、义捐或转账。
若买家会员选择权证可质付，还需向所述卖家会员交付可质付权证，其中，买家会员选择快捷可质付，需向所述卖家会员签发并交付可质付权证；买家会员选择承赎可质付，需向所述卖家会员交付承赎可质付权证。
若买家会员选择自赎可质付，可参照快捷可质付，在向卖家会员交付可质付电子币时，向卖家会员签发并交付可质付权证，同时承诺有条件到期赎回付款。
302、可质付平台(7)收到执行可质付命令，进行执行可质付审核，检索所述买家会员可质付账户是否存在与所述可质付电子币对应的可质付承赎记录，及/或可质付命令记录。
审核通过后，根据检索出的对应的可质付承赎记录，及/或可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户，其中，对接受快捷可质付(含光币可质付)的卖家会员，根据检索出的对应的可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户； 对接受承赎可质付的卖家会员，根据检索出的对应的可质付承赎记录和可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户。
303、卖家会员收取可质付电子币；卖家会员使用会员电子设备(1/4)登录会员端可质付系统(3/6)可质付管理模块(32/62)，收取可质付电子币，触发可质付定期赎回付款子模块(322/622/822)，启动可质付定期赎回付款程序，自卖家会员收取可质付电子币时起，所述卖家会员端电子设备(1)、买家会员端电子设备(4)和可质付平台(7)，同步开启可质付定期赎回付款倒计时；在可质付定期赎回付款倒计时结束前，系统拒绝办理赎回付款，在可质付定期赎回付款倒计时结束后，系统准予办理赎回付款。
启动可质付定期赎回付款程序，同步开启可质付定期赎回付款倒计时，可延长被盗电子财产的取现时间，为避免造成电子财产实际损失赢取时间。
若卖家会员接受权证可质付，则在收取可质付电子币后，对收到的可质付权证进行审核；可质付权证审核通过后，签收可质付权证，并向所述买家会员反馈可质付权证签收记录编号；卖家会员签收可质付权证，触发可质付定期赎回付款子模块，自卖家会员签收可质付权证时起，同步开启可质付定期赎回付款倒计时。
若选择权证可质付的买家会员，交付可质付电子币后，在规定期限内未交付可质付权证，或接受权证可质付的卖家会员，收取可质付电子币后，在规定期限内未签收可质付权证，则所述卖家会员已收取的可质付电子币，在规定期限届满后，自动退回所述买家会员可质付账户；接受权证可质付的卖家会员，未签收可质付权证，所述可质付定期赎回付款倒计时不启动；卖家会员首次收取的可质付电子币，因故被退回，卖家会员签订的可质付双向多边保障协议继续有效。
卖家会员使用会员电子设备(1/4)登录会员端可质付系统(3/6)可质付管理模块(32/62)，首次收取可质付电子币，触发可质付双向多边保障协议子模块(321/621/821)，启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；通过签订可质付双向多边保障协议，卖家会员自收取买家会员交付的购买或收取的可质付电子币时起，或自签收买家会员交付的可质付权证时起，以与收取可质付电子币对价的、实际货款费用为保证金，向可质付平台提供可质付交易担保或反担保保障，同时获得可质付平台自承赎时起，以与所述可质付电子币对价的、实际收取费用为保证金，提供的可质付交易反担保或担保保障；即卖家会员确认自收取买家会员交付的购买或收取的可质付电子币时起，或自签收买家会员交付的可质付权证时起，所述可质付电子币为买家会员设定的、可质付交易担保或反担保保障的权利和义务，一并转移给卖家会员；卖家会员签订协议，系统准予收取可质付电子币，不签协议，则系统拒绝收取可质付电子币。
若卖家会员在注册时已签订可质付双向多边保障协议，则卖家会员首次收取可质付电子币时，系统自动识别并准予收取可质付电子币。
步骤4：有条件到期赎回付款。
401、卖家会员在定期赎回付款倒计时结束后，使用会员端电子设备(1/4)登录会员端可质付系统(3/6)可质付管理模块(32/62)，向承赎人(7)提交可质付自律认定书、可质付进账流水记录和可质付到期赎回付款申请书等，提示赎回付款。
若卖家会员接受权证可质付，则在定期赎回付款倒计时结束后、可质付权证交单期内，向承赎人(7)提交可质付自律认定书、可质付权证、可质付相符交单和可质付到期赎回付款申请书等，提示赎回付款；若卖家会员未进行可质付自律认定或未取得可质付自律认定书，则系统拒绝提示赎回付款。
若注册会员购买的可质付电子币未用于可质付交易，则在可质付电子币有效期届满后，可参照快捷可质付(含光币可质付)，向承销人(7)申请办理购买可质付电子币到期赎回付款手续。
若报失会员申请报失的可质付电子币被宣告取得无效，则在报失可质付电子币被宣告取得无效后，可参照权证可质付，向可质付平台(7)申请办理报失可质付电子币取回手续。
若卖家会员接收自赎可质付，则可参照权证可质付，向买家会员端电子设备(4/1)申请办理可质付到期赎回付款手续；自赎会员在赎回付款后，可参照权证可质付，向承销人(7)申请办理自赎可质付电子币到期赎回付款手续。
若卖家会员收取的可质付权证记载“可议赎付款”字样，则在可质付权证交单期内，可向承赎人(7)申请可质付提前赎回付款；所述议赎付款是指承赎人对卖家会员在可质付权证交单期内提交的议赎可质付权证，进行可质付赎回付款审核，审核通过后，在到期日前赎回付款的可质付行为；若可质付权证未记载“可议赎付款”字样，不得办理议赎付款。
402、承赎人(7)收到提示赎回付款，进行可质付赎回付款审核，检索所述卖家会员可质付账户是否存在与所述可质付电子币对应的可质付命令记录；若检索不存在，则审核不通过，拒绝赎回付款并反馈原因；若检索存在，则审核通过，根据所述卖家会员可质付账户检索出的对应的可质付命令记录，在到期日通过可质付系统从所述卖家会员可质付账户扣划对价的可质付电子币，然后通过银行支付系统向卖家会员银行账户支付对价的赎回款，完成可质付赎回付款。
若卖家会员提交可质付权证，提示赎回付款，则可质付赎回付款审核，还包括可质付权证审核，且可质付赎回付款审核结果需经双方会员确认；审核通过后，根据双方会员确认的可质付赎回付款审核结果，及所述卖家会员可质付账户检索出的对应的可质付承赎记录，及/或可 质付权证签收记录，及可质付命令记录，在到期日赎回付款。
若买家会员未确认、拒绝确认或对可质付赎回付款审核结果提出异议，则拒绝赎回付款，并将拒绝赎回付款的理由书面通知所述卖家会员；买家会员针对货物或针对可质付权证未记载的可质付单据提出的异议，不视为对可质付赎回付款审核结果的异议。
实行权证可质付赎回付款三方独立审核和买家会员一票否决，将买家会员设计成可质付守门员，可进一步防范可质付风险。
403、卖家会员收到赎回款，可质付结束；可质付电子币一经赎回，可质付平台与购币会员、购币会员(买家会员)和收币会员(卖家会员)、收币会员与可质付平台之间以及相互之间，基于所述可质付电子币设定的各项可质付权利和义务随之消灭。
[以上附图和文字说明，仅为本发明的实施例，旨在帮助理解本发明可质付的实质精神、基本原理和核心思想，不应理解为对本发明的限制；在不背离本发明实质精神、基本原理和核心思想的前提下，本领域的一般技术人员对本发明具体实施方式及应用范围的任何修改、替换、改进、组合、简化和润饰之处，均视为等效置换，包含在本发明的保护范围之内。

Claims (10)

  1. 一种可质付网上交易支付方法，该方法包括：
    步骤1：可质付准备
    101、在可质付平台数据库开立可质付账户，并绑定会员端电子设备和会员通信设备；
    102、开立可质付账户后，向可质付平台购买可质付电子币，进行可质付账户充值；
    103、卖家会员把货物以法定货币计价，以可质付电子币标价；选择款到发货交易方式的买家会员，选定货物，选择货到付款交易方式的买家会员，签收货物；
    步骤2：提示可质付
    201、买家会员向可质付平台下达可质付命令，提示可质付；
    若买家会员选择承赎可质付，则在提示可质付时，签发记载所述可质付电子币的可质付权证，交付承赎人，提示承赎；
    202、可质付平台收到可质付命令后，进行提示可质付审核，检索所述买家会员可质付电子币，或/及可质付信用额度是否充足，及所述买家会员可质付权限是否充足；若买家会员提交可质付权证提示承赎，则提示可质付审核，还包括可质付权证审核；
    审核通过后，向所述买家会员反馈可质付承赎记录编号，及/或可质付命令记录编号，及用于执行可质付的临时密码和有效期；若买家会员提交可质付权证提示承赎，则审核通过后，可质付平台还需在限期内承赎，并将记载“承赎”字样的可质付权证交还所述买家会员；
    步骤3：执行可质付
    301、买家会员向可质付平台下达执行可质付命令，向指定卖家会员可质付账户支付可质付电子币，进行可质付消费、缴费、义捐或转账；
    若买家会员选择权证可质付，还需向所述卖家会员交付记载所述可质付电子币的可质付权证；
    302、可质付平台收到执行可质付命令，进行执行可质付审核，检索所述买家会员可质付账户是否存在与所述可质付电子币对应的可质付承赎记录，及/或可质付命令记录；
    审核通过后，根据检索出的对应的可质付承赎记录，及/或可质付命令记录，将所述可质付电子币转入所述卖家会员可质付账户；
    303、卖家会员收取可质付电子币；
    若卖家会员接受权证可质付，则在收取可质付电子币后，对收到的可质付权证进行审核；可质付权证审核通过后，签收可质付权证，并向所述买家会员反馈可质付权证签收记录编号；步骤4：有条件到期赎回付款
    401、卖家会员向承赎人提交可质付进账流水记录等提示赎回付款；
    若卖家会员接受权证可质付，则向承赎人提交可质付权证等提示赎回付款；
    402、承赎人收到提示赎回付款，进行可质付赎回付款审核；若卖家会员提交可质付权证提示赎回付款，则可质付赎回付款审核，还包括可质付权证审核，且可质付赎回付款审核结果需经双方会员确认；
    审核通过后，根据双方会员确认的可质付赎回付款审核结果，及可质付承赎记录及/或可质付权证签收记录，及/或可质付命令记录，在到期日赎回付款；
    403、卖家会员收到赎回款，可质付结束；可质付电子币一经赎回，可质付平台与购币会员、购币会员(买家会员)和收币会员(卖家会员)、收币会员与可质付平台之间以及相互之间，基于所述可质付电子币设定的各项可质付权利和义务随之消灭。
  2. 如权利要求1所述的可质付网上交易支付方法，其特征在于：所述可质付，即可质押支付，是一种以具有质押支付功能和双向多边保障功能的可质付电子币为质付物、质押支付货款的新型网上交易支付方式，又称保质付或保支付；所述可质付电子币，是可质付平台提供商以质押支付为目的，通过可质付平台，向以实际缴存费用为保证金、提供可质付交易担保或反担保保障的注册会员，定向销售，并承诺以实际收取费用为保证金、提供可质付交易反担保或担保保障，和有条件到期赎回付款的数字产品，是电子形态的质付物；具有以下主要特征：1、质押支付；2、双向多边保障；3、可质付主体多样性与赎回付款主体唯一性；4、互联网+法律+；
    买家会员进行可质付，需向卖家会员交付与货款对价的可质付电子币，并可签发记载所述可质付电子币的可质付权证；所述可质付权证，是买家会员以购买或收取的全部或部分可质付电子币为质付物，依托可质付系统签发的，以卖家会员为可质付权人，记载与全部或部分货款对价的可质付电子币、据以赎回付款的可质付单据和有条件到期赎回付款的委托或承诺的可质付权利凭证。
  3. 如权利要求1所述的可质付网上交易支付方法，其特征在于：注册会员进行可质付，需向可质付电子币承销人购买可质付电子币，并可申请签发记载所述可质付电子币的可质付权票；所述可质付权票，是可质付电子币承销人以质押支付为目的，依托可质付系统签发的，以购币会员为权利人、记载所述可质付电子币和有条件到期赎回付款承诺的可质付权利凭证，也是可质付平台以与销售可质付电子币对价的、实际收取费用为保证金，向购币会员提供可质付交易反担保或担保保障的可质付反担保单或可质付担保单；
    根据可质付平台提供商被许可经营的业务收费范围，可质付权票还可以是可质付保险单、可质付存款单、可质付汇票、可质付本票、可质付支票或可质付信用证、可质付债权证、可质付代持债权证、可质付股权证或可质付股票、可质付代持股权证或可质付代持股票、可质付 基金份额权证、可质付应收账款权证、可质付订单、可质付仓单或可质付提单等。
  4. 如权利要求1所述的可质付网上交易支付方法，其特征在于：注册会员首次购买可质付电子币或首次收取可质付电子币，触发可质付双向多边保障协议子模块，启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议；通过签订可质付双向多边保障协议，购币会员自购买可质付电子币时起，或自签收可质付权票时起，以与购买可质付电子币对价的、实际缴存费用为保证金，向可质付平台提供可质付交易担保或反担保保障，同时获得可质付平台自承赎时起以与销售可质付电子币对价的、实际收取费用为保证金，提供的可质付交易反担保或担保保障；收币会员(卖家会员)确认自收取买家会员交付的购买或收取的可质付电子币时起，或自签收买家会员交付的可质付权证时起，所述可质付电子币为买家会员设定的可质付交易担保或反担保保障权利和义务一并转移给收币会员(卖家会员)；
    在承赎人赎回付款之前，注册会员对使用的，及同意转质付或同意议赎付款的、所述购买或/及收取的可质付电子币，负有保证承赎和保证赎回付款义务。
  5. 如权利要求1所述的可质付网上交易支付方法，其特征在于：所述可质付权证审核，包括可质付连续审核和可质付相符交单审核；卖家会员或承赎人收到可质付权证，触发可质付连续审核子模块，启动可质付连续审核程序，由系统对所述可质付权证及所附可质付票证的电子签名连续性及/或真实性进行审核；若可质付电子签名不真实或不连续，则审核不通过，系统直接拒绝接收可质付权证，或直接拒绝承赎或拒绝赎回付款；若可质付电子签名连续且/或真实，则审核通过，系统提示所述卖家会员或承赎人，进行可质付相符交单审核；
    所述卖家会员或承赎人，根据系统提示进行可质付相符交单审核；若发现交单不符，在限期内一次性告知不符点并要求限期修正；若在限期内未对不符点进行修正，则审核不通过，所述卖家会员拒绝接收可质付权证，承赎人拒绝承赎或拒绝赎回付款；若交单相符，则审核通过。
  6. 如权利要求1所述的可质付网上交易支付方法，其特征在于：卖家会员收取可质付电子币，触发可质付定期赎回付款子模块，启动可质付定期赎回付款程序，自卖家会员收取可质付电子币时起，所述卖家会员端电子设备、买家会员端电子设备和可质付平台，同步开启可质付定期赎回付款倒计时；
    若卖家会员接受权证可质付，则卖家会员签收可质付权证，触发可质付定期赎回付款子模块，自卖家会员签收可质付权证时起，同步开启可质付定期赎回付款倒计时。
  7. 一种可质付网上交易支付系统，该系统包括：卖家会员端电子设备、卖家会员通信设备、卖家会员端可质付系统、买家会员端电子设备、买家会员通信设备、买家会员端可质付系统、可质付平台、可质付平台端可质付系统，它们通过互联网等互联互通网络联接；其中 所述会员端电子设备安装会员端可质付系统，所述会员端可质付系统包括：会员管理模块，用于会员实名注册认证、开通会员权限、维护和验证会员身份识别信息；可质付管理模块，用于开立可质付账户，存放和收付可质付电子币，验证可质付电子币和会员可质付识别信息，记录可质付账户流水信息，还用于切断盗窃电子现金的路径；店铺管理模块/义铺管理模块，用于卖家会员进行店铺实名认证、货物品质认证、义卖物品备案、店铺和货物管理与维护、接受或下达可质付订单或可质付义卖订单，或买家会员进行义卖物品备案、义卖物品管理与维护、下达可质付订单，接受或下达可质付义卖订单；
    所述会员通信设备，包括：主用通信设备和备用通信设备，用于与可质付平台进行会员识别信息验证通信，备用通信设备还用于在会员注册信息或可质付账户绑定信息发生变动时接收信息变动提醒和确认变动信息；
    所述可质付平台安装可质付平台端可质付系统，所述可质付平台端可质付系统包括：会员管理模块，用于为会员实名注册认证、开通会员权限、维护会员信息提供审核、监管和服务，存储和验证会员身份识别信息；可质付管理模块，用于发行、销售、清算、结算和赎回可质付电子币，存储、验证可质付电子币和会员可质付识别信息，记录可质付账户流水信息，还用于切断盗窃电子现金的路径；店铺管理模块(义铺管理模块)，用于为店铺实名认证和货物品质认证、义卖物品备案、店铺和货物的管理与维护、可质付订单或可质付义卖订单提供审核、监管和服务，存储、更新店铺和货物信息。
  8. 如权利要求7所述的可质付网上交易支付系统，其特征在于：所述可质付管理模块，还包括：可质付双向多边保障协议子模块，用于启动可质付双向多边保障协议签订程序，签订可质付双向多边保障协议。
  9. 如权利要求7所述的可质付网上交易支付系统，其特征在于：所述可质付管理模块，还包括：可质付连续审核子模块，用于启动可质付电子签名审核程序，对可质付电子签名连续性及/或真实性进行审核，还用于切断被盗电子财产的消费路径。
  10. 如权利要求7所述的可质付网上交易支付系统，其特征在于：所述可质付管理模块，还包括：可质付定期赎回付款子模块，用于启动可质付定期赎回付款程序，同步开启可质付赎回付款倒计时，还用于延长被盗电子财产的取现时间。
PCT/CN2019/077568 2018-04-23 2019-03-08 一种可质付网上交易支付方法及系统 WO2019205824A1 (zh)

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