WO2020155581A1 - 一种融合货币协议的电子邮件系统、邮件发送、接收方法 - Google Patents
一种融合货币协议的电子邮件系统、邮件发送、接收方法 Download PDFInfo
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- WO2020155581A1 WO2020155581A1 PCT/CN2019/097045 CN2019097045W WO2020155581A1 WO 2020155581 A1 WO2020155581 A1 WO 2020155581A1 CN 2019097045 W CN2019097045 W CN 2019097045W WO 2020155581 A1 WO2020155581 A1 WO 2020155581A1
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/08—Network architectures or network communication protocols for network security for authentication of entities
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
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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
- G06Q20/04—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
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
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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
- G06Q20/38—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
- G06Q20/4014—Identity check for transactions
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/21—Monitoring or handling of messages
- H04L51/214—Monitoring or handling of messages using selective forwarding
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/48—Message addressing, e.g. address format or anonymous messages, aliases
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/04—Real-time or near real-time messaging, e.g. instant messaging [IM]
- H04L51/046—Interoperability with other network applications or services
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/07—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail characterised by the inclusion of specific contents
- H04L51/08—Annexed information, e.g. attachments
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- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L51/00—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail
- H04L51/07—User-to-user messaging in packet-switching networks, transmitted according to store-and-forward or real-time protocols, e.g. e-mail characterised by the inclusion of specific contents
- H04L51/18—Commands or executable codes
Definitions
- the present invention relates to the technical field of electronic mail, in particular to an electronic mail system and a mail sending and receiving method incorporating currency protocols.
- This application provides an e-mail system, e-mail sending and receiving methods that integrate currency protocols. Combining e-mail, digital currency and electronic money can solve the problem of separate transmission of existing information and value, and improve the financial function of the e-mail system .
- an embodiment provides an email system that integrates currency protocols, including: a remittance plug-in, a mail client, a remittance mail management server, an email management server, and a fund management server;
- the mail client is loaded with the remittance plug-in to provide users with an e-mail interface with a remittance identifier, the remittance identifier carrying currency recipient information, amount and currency, and the currency is digital currency or /And electronic money;
- the remittance mail management server interacts with the mail client, the email management server and the fund management server respectively;
- the remittance mail management server works cooperatively with the email management server and the fund management server. After receiving the mail message sent by the mail client, the remittance mail management server determines whether the mail message contains a remittance identifier, if Contains a remittance identifier, the remittance mail management server dispatches the email management server to send the mail message and dispatches the fund management server to perform the remittance operation according to the remittance identifier, if not, the remittance mail management server only dispatches The email management server sends the email message.
- an embodiment provides an email sending method of an email system that incorporates a currency protocol.
- the email system includes a remittance plug-in, a mail client, a remittance mail management server, an email management server, and fund management.
- Server, the mail sending method includes the steps:
- the mail client Determine whether the remittance plug-in is triggered, if not, the mail client generates a normal mail and sends it to the remittance mail management server, and the remittance mail management server schedules the email management server to send the normal mail;
- the mail client runs the remittance plug-in to provide users with an email interface with a remittance identifier, the remittance identifier carrying information of the recipient of the currency, amount and currency, and the currency is digital currency or/ And electronic money;
- the remittance mail management server works in cooperation with the email management server and the fund management server, and dispatches the email management server to send the mail messages in the remittance email and dispatches the fund management server to perform all operations according to the remittance identification. Describe the remittance operation in the remittance email.
- an embodiment provides an email receiving method for an email system that incorporates a currency protocol.
- the email system includes a remittance plug-in, a mail client, a remittance mail management server, an email management server, and fund management.
- Server, the mail receiving method includes the steps:
- the remittance mail management server judges whether the received e-mail contains a remittance identifier, and if not, the e-mail is processed as a normal e-mail, and the remittance identifier carries the currency beneficiary information, possible transaction number, Amount and currency, said currency being digital currency or/and electronic currency;
- the received email is a remittance mail, and the relevant information of the remittance mail is transmitted to the fund management server;
- the fund management server queries the remittance status, and feeds back the query result to the remittance mail management server;
- the remittance mail management server sends the remittance mail and related information to the mail client of the recipient according to the feedback query result.
- the sender and receiver of digital currency/electronic currency can also obtain real-name authentication through the email system, thereby obtaining higher security, reliability and legal protection;
- Figure 1 is a schematic diagram of a traditional email message
- Figure 2 is a schematic diagram of an email message after merging the currency agreement
- Fig. 3 is a block diagram of the principle of the email system in the first embodiment
- Figure 4 is a schematic diagram of an email message with a remittance transaction number
- Figure 5 is a block diagram of the principle of the email system of the second embodiment
- Fig. 6 is a block diagram of the principle of the email system of the third embodiment.
- FIG. 7 is a schematic diagram of mail sending by the email system of the fourth embodiment.
- Fig. 8 is a schematic diagram of mail sending of automatic remittance of reply mail
- Fig. 9 is a schematic diagram of mail receiving in the email system of the fifth embodiment.
- Digital/encrypted currency Decentralized digital currency, generally produced through “mining” work, such as Bitcoin and Litecoin, etc., hereinafter referred to as "digital currency”.
- Electronic money electronic traditional/legal currency or tokens and related payment services, such as paypal and alipay and their virtualized electronic money.
- Remittance email An email with a remittance identification in the body, such as "Pay-To” (ie "Pay To”), and the remittance is synchronized when sent.
- the application for the integration of digital currency protocol into the traditional email system in order to not lose generality
- both the digital currency protocol and the electronic currency protocol are integrated into the email system, so that the traditional email system can realize the synchronous transmission of information and value through the blockchain and the digital/electronic currency protocol.
- FIG. 1 A schematic diagram of the complete content of a mail message in a traditional e-mail system is shown in Figure 1.
- Figure 2 a schematic diagram of the complete content of a mail message in an e-mail system incorporating currency protocols is shown in Figure 2, which can be seen from the comparison of Figure 1 and Figure 2.
- Pay-To field in 2 is a newly added field after the email system merges with the currency protocol. It is used for remittance to realize the synchronization of information transmission and value transmission.
- the fields in the same part of FIG. 1 and FIG. 2 are the format of a traditional email, which is well known to those skilled in the art, and will not be repeated in this example.
- the e-mail system of the convergent currency protocol provided in this example is shown in Figure 3, including a remittance plug-in (not identified in the figure), a mail client 1, a remittance mail management server 2, an email management server 3, and a fund management server 4.
- the sender and receiver server of the mail and remittance corresponding to the e-mail system in the example are all on the network where the server of the system is located, generally located in the internal LAN or cloud network.
- the mail client 1 is loaded with a remittance plug-in, which can be a piece of code in the running program of the mail client 1, or a control independent of the mail client 1.
- the mail client 1 is connected to the control through an interface.
- the code corresponding to the remittance plug-in can be directly run to provide the user with an email interface with a remittance logo.
- the remittance logo can be displayed anywhere in the browsing page of the email interface; if the email is only If you send a multimedia email, you cannot add a remittance logo in the body. Therefore, it is preferable that the remittance logo is located in the mail header of the email interface. In this way, regardless of the content of the email, you can add the remittance logo to the mail header, as shown in the figure 2 shown.
- the remittance logo can be any one or a combination of remittance fields (Pay-To), remittance windows, views, and visual identification elements.
- the remittance logo is displayed on the email interface for the user to identify. When the user needs a remittance operation , Just trigger the remittance logo.
- the remittance logo carries the currency of the recipient information, amount, currency and other information for users to choose.
- the currency can be digital currency or electronic currency. It can be a combination of digital currency and electronic currency.
- the remittance identification can include one or more payee information, and each payee information must provide at least the following information:
- the digital currency address of the payee such as Bitcoin, Litecoin, etc.;
- the account number and service provider bound to the beneficiary's digital currency or electronic currency.
- the account number can be an email account or mobile phone number, etc.;
- an address book name can only correspond to a digital currency address, or an account and service provider bound to a digital/electronic currency; and the account bound to the payee must be able to receive the sender's remittance, for example , Both accounts are located in this system. If the payee address is an account outside the system, the user needs to designate the corresponding service provider.
- the remittance logo can also provide users with the following optional information, which can be set in advance through user account preferences, so that it does not need to be displayed on the email interface, specifically:
- the sender's digital currency private key must be obtained from a third party or a local file, it must provide a method of obtaining it, such as uploading a local private key file or sharing third-party information.
- the email system in this example must also store basic user account information.
- the basic user account information includes: user mailbox (ie, user name), digital currency address and balance, electronic currency address and balance, user security settings, user preferences Settings and user authentication information.
- the user can recharge the digital currency balance of the account through digital currency transfer, such as bitcoin transfer, or the user can use banks and other institutions under the framework of laws and related certification Recharge the electronic currency balance of the account, such as bank transfer.
- digital currency transfer such as bitcoin transfer
- banks and other institutions under the framework of laws and related certification Recharge the electronic currency balance of the account, such as bank transfer.
- the user does not need to operate the remittance identification. If the user needs to send the remittance email, the user will operate according to the ordinary e-mail and provide the recipient and other information. Then, the user provides all the receipts through the remittance identification.
- the payee address, amount, and unit of the payee If the payee address is a digital currency address, different payees can specify different types of digital currencies. If the payee address is an account number, different payees can specify different The service provider’s account number must be able to receive the sender’s remittance.
- the email client 1 edits the email and loads the email header.
- the system will add a payment header to the header of the ordinary email.
- the format of the Pay-To field is:
- the "//” is used to distinguish the complete “Pay-To” header, and the "//" character itself does not belong to the "Pay-To” header.
- the remittance mail management server 2 in this example interacts with the mail client 1, the email management server 3 and the fund management server 4 respectively; the remittance mail management server 2 works with the email management server 3 and the fund management server 4, and the remittance mail management server 2
- the remittance mail management server 2 After receiving the mail message sent by the mail client 1, judge whether the mail message contains a remittance logo, if it contains a remittance logo, the remittance mail management server 2 dispatches the email management server 3 sends the mail message and dispatches the fund management server 4 to execute according to the remittance identity
- the remittance mail management server 2 only schedules the email management server 3 to send mail messages.
- the remittance mail management server 2 works with the email management server 3 and the fund management server 4 to realize the synchronization of mail information transmission and value transmission, and improve the financial function of the traditional email system.
- the remittance mail management server 2 before the remittance mail management server 2 dispatches the fund management server 4, the remittance mail management server 2 first dispatches the email management server 3 to send mail messages, and the remittance mail management server 2 After receiving the instruction of successful sending of the mail message feedback from the email management server 3, the remittance mail management server 2 then dispatches the fund management server 4; specifically, the remittance mail management server 2 will first try to send the email to all recipients. At least one of the recipients can successfully receive the sent mail, the remittance mail management server 2 then dispatches the fund management server 4 to perform the remittance operation, otherwise the remittance is cancelled.
- this example also includes a database server 5, which is used to store the remitter’s and beneficiary’s fund information.
- the fund information includes at least user account numbers, transaction information, The number of funds, the database server 5 interacts with the remittance mail management server 2 and the funds management server 4 respectively.
- the funds management server 4 sends a remittance request to the database server 5 according to the dispatching instructions of the remittance mail management server 2, and the database server 5 updates the remitter according to the remittance request The fund information related to this remittance of the beneficiary to realize internal remittance.
- the remittance mail management server 2 also sends emails containing the status and results of the remittance to the recipient and the sender according to the email address based on the updated fund information in the database server 5. That is, the recipient and the sender can be the recipient and the sender during the remittance.
- the recipient provides dynamic information in the form of e-mail. If supported by the systems of both parties, the dynamic information can be an interactive progress bar.
- this example also includes an authentication server 6, which interacts with the database server 5 and the remittance mail management server 2.
- the authentication server 6 is used to authenticate the user's identity, such as an authentication server 6 Verify the identity of the sender and provide the details of the remittance for the sender to reconfirm the authenticated information.
- the remittance mail management server 2 passes the authentication server 6 to obtain the user authentication status and confirms the validity, the remittance mail management server 2 and The email management server 3 and the fund management server 4 work together.
- the email system in this example is the internal remittance of the system, so that the remittance transaction number can be obtained in advance before the actual remittance. Therefore, in this example, the mail client 1 edits the mail And when loading the mail header, the system will add a payment header to the header of ordinary mail.
- the payment header also carries the remittance transaction number, that is, the mail message also carries the remittance transaction number, so that all parties can pass the remittance transaction number
- the remittance progress can be tracked correctly, and the e-mail content information diagram with the remittance transaction number is shown in Figure 4.
- the format of the Pay-To field is:
- the e-mail system provided in this example can realize the synchronous transmission of digital/electronic money and e-mail by adding remittance identification, that is, realize the synchronous transmission of information and value, and the sender and receiver of digital/electronic money can also obtain real-name authentication through the e-mail system , So as to obtain higher security, reliability and legal protection, and further improve the financial functions of the email system, such as sending and receiving bills through email, automatic deduction and payment, identity authentication and address authentication, etc., thereby greatly improving Reliability and efficiency of business communication and life applications, and reduction of related costs, combined with electronic currency agreements, the email system of this example can also achieve some of the aforementioned financial functions through electronic currency, and add digital currency and electronic currency under the legal framework Interchangeable characteristics.
- the email system in this example also uses certain security and authentication mechanisms to ensure the reliability and identity of the communication and remittance process.
- the authenticity of the source for example, PGP and other encryption methods such as mail encryption or digital signature are needed to ensure that the mail is not tampered with or stolen during the transmission process, and encryption and digital certificates are used to ensure the security of remittance transmission and the authenticity of the source.
- this example provides another email system that integrates currency protocols.
- the difference from the first embodiment is that the mail recipient of the email system in this example is located outside the system, and the beneficiary's digital/electronic money account number is located inside the system. Therefore, the mail in this example, that is, the transmission of information, needs to be cross-system; while the remittance, that is, the transmission of value, needs to be carried out internally.
- the schematic diagram of the e-mail system in this example is shown in Figure 5.
- the recipient’s email system architecture is similar to the sender’s email system architecture.
- This example takes the sender’s email system architecture as an example for detailed description, including the remittance plug-in (not shown in the figure), mail client 1, Remittance mail management server 2, email management server 3, fund management server 4, database server 5, authentication server 6, email interactive server 7, and third-party digital/electronic money interactive server 8.
- the remittance plug-in mail client 1, remittance mail management server 2, email management server 3, fund management server 4, database server 5, and authentication server 6, please refer to the first embodiment. This example will not be repeated.
- the interactive server 7 is the internal and external network interface of the e-mail system.
- the internal and external network interfaces can send mail between different platforms.
- the third-party digital/electronic currency interactive server 8 is also the internal and external network interfaces of the e-mail system.
- the internal and external network interfaces can achieve different Remittance and inquiry between platforms.
- the e-mail interaction server 7 interacts with the e-mail management server 3 through the network, and is used to convert the internal request from the e-mail management server 3 and the external e-mail information from the network according to related protocols to perform information sending and receiving operations;
- the e-mail interactive server 7 is a server running an e-mail service program (such as Postfix), and sends e-mails to the outside through a public e-mail network.
- the third-party digital/electronic currency interaction server 8 interacts with the fund management server 4, and is used to convert the internal request from the fund management server 4 and the external request from the network according to relevant protocols to perform query and remittance operations; for example, third-party digital /Electronic currency interaction server 8 is a server supporting local or third-party interfaces (such as node.js or nginx, etc.). In this example, the third-party digital/electronic currency interaction server 8 is only used to perform query operations.
- the sender operates through a mail client 1 such as a PC, a web page, etc., and the mail client 1 sends related requests of the sender to the remittance mail management server 2.
- the remittance mail management server 2 obtains the user authentication status through the user authentication server 6.
- the remittance mail management server 2 works with the email management server 3 and the fund management server 4 to send ordinary mail or remittance mail through the email network Send to the recipient, and conduct internal remittance through the fund management server 4; specifically, the e-mail interactive server 7 converts the internal request from the e-mail management server 3 into external e-mail information according to related protocols to perform information transmission; The server 4 sends a remittance request to the database server 5 according to the scheduling instructions of the remittance mail management server 2, and the database server 5 updates the remittance and beneficiary's fund information related to this remittance according to the remittance request to realize internal remittance.
- the remittance mail management server 2, the email management server 3, the fund management server 4, and the authentication server 6 are all connected to the database server 5 for data query and update.
- the e-mail system of this example is applied to the receiver to receive the remittance mail, and its specific working method is: the e-mail management server 3 receives the remittance mail from the e-mail network through the e-mail interactive server 7, and transmits the mail information of the remittance mail to The remittance mail management server 2, after identifying the remittance information, the remittance mail management server transmits the relevant information to the fund management server 4.
- the fund management server 4 inquires the sender about the remittance status through the third-party digital/electronic money interactive server 8 The result is fed back to the remittance mail management server 2.
- the remittance mail management server 2 obtains the authentication status through the user authentication server 6, and after confirming the validity, it transmits the remittance mail and related information to the recipient's mail client 1, and the recipient sends the mail via PC, webpage, etc.
- the client 1 obtains mail and remittance information.
- the remittance mail management server 2, the email management server 3, the fund management server 4 and the authentication server 6 are all connected to the database server 5 for data query and update.
- the e-mail system in this example is the internal remittance of the system, so that the remittance transaction number can be obtained in advance before the actual remittance.
- this example will not repeat it
- the e-mail system provided in this example can realize partial cross-platform synchronous transmission of digital/electronic money and e-mail by adding a remittance identification, that is, realize partial cross-platform synchronous transmission of information and value, and the sender and receiver of digital/electronic money can also Obtain real-name authentication through the email system, thereby obtaining higher security, reliability and legal protection, and further improving the financial functions of the email system, such as sending and receiving bills through email, automatic deduction and payment, identity authentication and address Authentication, etc., thereby greatly improving the reliability and efficiency of business communication and life applications, and reducing related costs.
- the e-mail system in this example can also achieve some of the aforementioned financial functions through electronic currency, and is in the legal framework Add the swap feature between digital currency and electronic currency.
- this example provides another email system that integrates currency protocols.
- the difference between the first and second embodiments is that the email system of this example can realize the difference between the sender and the receiver.
- the schematic diagram of the email system in this example is shown in Figure 6.
- the recipient’s email system architecture is similar to the sender’s email system architecture.
- This example takes the sender’s email system architecture as an example for detailed description, including the remittance plug-in (not shown in the figure), mail client 1, Remittance mail management server 2, email management server 3, fund management server 4, database server 5, authentication server 6, email interaction server 7, third-party digital/electronic currency interaction server 8, and digital currency interaction server 9, among which, remittance Specific description of plug-in, mail client 1, remittance mail management server 2, email management server 3, fund management server 4, database server 5, authentication server 6, email interaction server 7, and third-party digital/electronic currency interaction server 8 Please refer to the second embodiment, which will not be repeated in this example.
- the digital currency interactive server 9 is an internal and external network interface of the email system, and the internal and external network interface can realize remittance and inquiry between different platforms.
- the digital currency interaction server 9 interacts with the fund management server 4, and is used to convert internal requests from the fund management server 4 and external requests from the network according to related protocols to perform query and remittance operations; for example, the digital currency interactive server 9 It is a server running digital currency service programs (such as Bitcoin Core daemon).
- the sender operates through a mail client 1 such as a PC, a web page, etc., and the mail client 1 sends related requests of the sender to the remittance mail management server 2.
- the remittance mail management server 2 obtains the user authentication status through the user authentication server 6.
- the remittance mail management server 2 works with the email management server 3 and the fund management server 4 to send ordinary mail or remittance mail through the email network
- the email interaction server 7 converts the internal request from the email management server 3 into external email information according to the relevant protocol to perform the information transmission
- the digital currency interactive server 9 converts the internal request from the fund management server 4 into an external request according to the relevant protocol to perform the remittance operation
- the remittance mail management server 2, the email management server 3, the fund management server 4 and the authentication server 6 are all connected with
- the database server 5 is connected to perform data query and update.
- the e-mail system of this example is applied to the receiver to receive the remittance mail, and its specific working method is: the e-mail management server 3 receives the remittance mail from the e-mail network through the e-mail interactive server 7, and transmits the mail information of the remittance mail to The remittance mail management server 2, after identifying the remittance information, the remittance mail management server 2 transmits the relevant information to the fund management server 4, and the fund management server 4 queries the third-party digital/electronic currency interactive server 8 or/and the digital currency interactive server 9 The remittance status, and the query result is fed back to the remittance mail management server 2.
- the remittance mail management server 2 obtains the authentication status through the user authentication server 6, and transmits the remittance mail and related information to the recipient’s mail client 1 after confirmation. Obtain mail and remittance information through mail clients 1 such as PCs and web pages. At the same time, the remittance mail management server 2, email management server 3, fund management server 4 and authentication server 6 are all connected to the database server 5 for data query and update Wait.
- the remittance transaction number can generally only be obtained after the actual remittance. Therefore, the first The three-party digital/electronic currency interaction server 8 converts the internal request from the fund management server 4 into an external request according to the relevant protocol to perform the remittance operation, and then feeds back the remittance result to the fund management server 4.
- the remittance result includes the remittance transaction number and the fund
- the management server 4 feeds back the remittance transaction number to the remittance mail management server 2, and the remittance mail management server 2 dispatches the email management server 3 to send auxiliary mails to the recipient and the sender, and displays the auxiliary mail to the sender through the mail client 1 ,
- the auxiliary email contains the remittance transaction number, so that all parties can correctly track the remittance progress through the remittance transaction number.
- the system will add a payment header to the header of ordinary mail.
- the payment header also carries the remittance transaction number, that is, the mail message also carries the remittance transaction number, so that all parties can correctly track the progress of the remittance through the remittance transaction number.
- a schematic diagram of the content information of an email with a remittance transaction number is shown in Figure 4. For a specific description, please refer to Embodiment 1, and this example will not be repeated.
- This example also applies to the situation where the beneficiary and the remitter are in the same system, and the payment information contains a digital currency address.
- the payment information contains a digital currency address.
- the cross-system remittance method in this example can be used to obtain the actual digital currency transaction number, thereby avoiding the above problems.
- the e-mail system provided in this example can realize the cross-platform synchronous transmission of digital/electronic money and e-mail by adding remittance identification, that is, realize the cross-platform synchronous transmission of information and value, and the sender and receiver of digital/electronic money can also use electronic
- the mail system has obtained real-name authentication, thereby obtaining higher security, reliability and legal protection, and further improving the financial functions of the email system, such as sending and receiving bills through email, automatic deduction and payment, identity authentication and address authentication, etc.
- the e-mail system in this example can also achieve some of the aforementioned financial functions through electronic currency, and increase under the legal framework The swap characteristics between digital currency and electronic currency.
- this example provides an email sending method of an email system that integrates currency protocols.
- the email system includes a remittance plug-in, a mail client, a remittance mail management server, and an email
- Embodiment 1 for the detailed description of the email system. This example will not go into details.
- the email sending method is applied to the email system of Embodiment 1 to realize the synchronous transmission of information and value within the system. Including the following steps, the flowchart is shown in Figure 7.
- S101 Determine whether the remittance plug-in is triggered, if not, the mail client generates a normal mail and sends it to the remittance mail management server, and the remittance mail management server schedules the email management server to send the normal mail.
- the mail client runs the remittance plug-in to provide the user with an email interface with a remittance identification.
- the remittance identification carries the recipient information, amount and currency of currency, and the currency is digital currency or/and electronic currency.
- the remittance identifier is located in the mail header of the email interface, and the remittance identifier is any one or a combination of a remittance field, a remittance window, a view, and a visual identification element.
- the payee information includes at least one of the following:
- the account number and service provider bound to the recipient's digital currency or electronic currency
- S103 Obtain the beneficiary information, amount, and currency through the remittance identifier, and generate a remittance email to send to the remittance email management server.
- the remittance mail management server works in coordination with the email management server and the fund management server to dispatch the email management server to send mail messages in the remittance email and dispatch the fund management server to execute the remittance operation in the remittance email according to the remittance identifier.
- this example also includes the step of automatically replying to the email. If the automatic reply email includes recognizable remittance request information, the process of automatically replying to the email also includes the remittance through the reply email.
- the flow chart of the steps is shown in Figure 8, which specifically includes the following steps.
- the remittance mail management server dispatches the email management server to send mail messages in the remittance mail automatically responded and dispatches the capital management server to execute the remittance operation in the remittance mail automatically responded according to the remittance identifier.
- the email system also includes an external network interface, which includes an email interaction server, a digital currency interaction server and Third-party digital/electronic currency interactive server; based on the above email sending steps, if the email sent is an external email, this example also provides steps for sending remittance emails across systems.
- the specific steps for sending remittance emails across systems are as follows:
- S301 Convert the internal request from the email management server into external email information according to the relevant protocol through the email interactive server to perform information transmission;
- S302 Perform an internal remittance operation through the fund management server, or convert the internal request from the fund management server into an external request according to the relevant protocol through the digital currency interactive server or/and the third-party digital/electronic currency interactive server to perform the remittance operation.
- the remittance mail management server before the remittance mail management server dispatches the fund management server, the remittance mail management server first dispatches the email management server to send mail messages, and the remittance mail management server receives the email management server feedback The remittance mail management server then dispatches the fund management server after sending the successful instruction of the mail message.
- the remittance transaction number can be provided in the following two ways:
- the remittance transaction number is obtained after the actual remittance.
- an auxiliary email can be sent to the sender and recipient.
- the auxiliary email contains the remittance transaction number so that all parties can The remittance progress can be accurately tracked through the remittance transaction number.
- the third-party payment can only obtain the remittance transaction number after the actual remittance. Therefore, the third-party digital/electronic currency interactive server converts the internal request from the fund management server to the external according to the relevant agreement After requesting to perform the remittance operation, it also includes the steps of sending an auxiliary email to the recipient and the sender:
- the remittance result includes the remittance transaction number
- the fund management server feeds back the remittance transaction number to the remittance mail management server;
- the remittance mail management server dispatches the email management server to send auxiliary mails to the recipient and the sender, and displays the auxiliary mail to the sender through the mail client.
- the auxiliary mail contains the remittance transaction number.
- the remittance transaction number can be obtained before the actual remittance, such as digital currency such as Bitcoin or local remittance. Therefore, if the remittance is identified as internal remittance or through the digital currency interactive server, the internal request from the fund management server will be sent Converting to an external request according to the relevant agreement to perform the remittance operation, the process of sending the remittance mail also includes the step of loading the remittance transaction number, so that the mail message in the remittance mail also carries the remittance transaction number.
- the email sending method provided in this example can realize the same platform or cross-platform synchronous transmission of digital/electronic currency and email by adding remittance identification, that is, realize the same platform or cross-platform synchronous transmission of information and value, and digital/electronic currency
- Sending and receiving parties can also obtain real-name authentication through the email system, thereby obtaining higher security, reliability and legal protection, and further improving the financial functions of the email system, for example, sending and receiving bills through email, automatic deduction and payment , Identity authentication and address authentication, etc., so as to greatly improve the reliability and efficiency of business communication and life applications, and reduce related costs.
- the e-mail system in this example can also achieve some of the aforementioned financial functions through electronic currency , And increase the swap feature between digital currency and electronic currency under the legal framework.
- this example provides an email receiving method of an email system that incorporates currency protocols.
- the email system includes a remittance plug-in, a mail client, a remittance mail management server, and an email
- Embodiment 1 for the detailed description of the email system. This example will not go into details.
- the email receiving method is applied to the email system of Embodiment 1 to realize the synchronous reception of information and value within the system. Including the following steps, the flowchart is shown in Figure 9.
- S401 Receive emails through the email management server, and transmit the email information to the remittance email management server.
- the remittance mail management server judges whether the received e-mail contains a remittance logo, and if not, the e-mail is processed as an ordinary e-mail, and the remittance logo carries the currency of the recipient information, possible transaction number, amount and currency ,
- the currency is digital currency or/and electronic currency.
- the remittance identification is located in the header part of the email or the auxiliary email.
- the remittance identifier is any one or several combinations of payment header, remittance field, remittance window, view, and visual identification elements.
- the payee information includes at least one of the following:
- the received email is a remittance mail, and the relevant information of the remittance mail is transmitted to the fund management server.
- the fund management server queries the remittance status and feeds back the query result to the remittance mail management server.
- the remittance mail management server sends the remittance mail and related information to the mail client of the recipient according to the feedback query result.
- the email system also includes an external network interface, which includes an email interaction server, a digital currency interaction server and Third-party digital/electronic currency interactive server; based on the above mail receiving steps, if the received mail is an external mail, this example also provides steps for receiving remittance mail across systems.
- the specific steps for receiving remittance mail across systems are as follows.
- the email management server obtains externally sent emails through the email interactive server, and sends the email information of the emails to the remittance email management server.
- the remittance mail management server judges whether the received mail information contains a remittance identifier, and if not, the e-mail is processed as a normal e-mail.
- the fund management server queries the remittance status through the fund management server of the sender, or through the digital currency interactive server or/and the third-party digital/electronic currency interactive server, and feeds back the query result to the remittance mail management server.
- the remittance mail management server sends the remittance mail and related information to the mail client of the recipient according to the feedback query result.
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Abstract
Description
Claims (26)
- 一种融合货币协议的电子邮件系统,其特征在于,包括:汇款插件、邮件客户端、汇款邮件管理服务器、电子邮件管理服务器和资金管理服务器;所述邮件客户端加载有所述汇款插件,以向用户提供具有汇款标识的电子邮件界面,所述汇款标识携带有货币的收款人信息、金额与币种,所述币种为数字货币或/和电子货币;所述汇款邮件管理服务器分别与所述邮件客户端、电子邮件管理服务器和资金管理服务器交互;所述汇款邮件管理服务器与所述电子邮件管理服务器和资金管理服务器协同工作,所述汇款邮件管理服务器接收到所述邮件客户端发送的邮件消息后,判断所述邮件消息是否含有汇款标识,若含有汇款标识,所述汇款邮件管理服务器调度所述电子邮件管理服务器发送所述邮件消息及调度所述资金管理服务器根据所述汇款标识执行汇款操作,若否,所述汇款邮件管理服务器仅调度所述电子邮件管理服务器发送所述邮件消息。
- 如权利要求1所述的电子邮件系统,其特征在于,所述汇款邮件管理服务器调度所述资金管理服务器之前,所述汇款邮件管理服务器先调度所述电子邮件管理服务器发送所述邮件消息,且待所述汇款邮件管理服务器接收到所述电子邮件管理服务器反馈的邮件消息发送成功的指令后,所述汇款邮件管理服务器再调度所述资金管理服务器。
- 如权利要求1所述的电子邮件系统,其特征在于,所述还包括数据库服务器,所述数据库服务器用于存储汇款人和收款人的资金信息及可能的账户信息,所述数据库服务器分别与所述汇款邮件管理服务器和资金管理服务器交互,所述资金管理服务器根据所述汇款邮件管理服务器的调度指令向所述数据库服务器发送汇款请求,所述数据库服务器根据所述汇款请求更新汇款人和收款人本次汇款相关的资金信息以实现内部汇款。
- 如权利要求3所述的电子邮件系统,其特征在于,还包括认证服务器,所述认证服务器与所述数据库服务器和汇款邮件管理服务器交互,所述认证服务器用于对用户身份进行认证,待所述汇款邮件管理服务器通过所述认证服务器获得用户认证状态并确认有效后,所述汇款邮件管理服务器再与所述电子邮件管理服务器和资金管理服务器协同工作。
- 如权利要求1所述的电子邮件系统,其特征在于,还包括内外网络接口,所述内外网络接口包括电子邮件交互服务器、数字货币交互服务器和第三方数字/电子货币交互服务器;所述电子邮件交互服务器与所述电子邮件管理服务器交互,用于将来自所述电子邮件管理服务器的内部请求与来自网络的外部电子邮件信息根据相关协议进行转换以执行信息发送与接收操作;所述数字货币交互服务器和第三方数字/电子货币交互服务器分别与所述资金管理服务器交互,用于将来自所述资金管理服务器的内部请求与来自网络的外部请求根据相关协议进行转换以执行查询与汇款操作。
- 如权利要求5所述的电子邮件系统,其特征在于,所述电子邮件交互服务器为运行电子邮件服务程序的服务器,所述数字货币交互服务器为运行数字货币服务程序的服务器,所述第三方数字/电子货币交互服务器为支持本地或第三方接口的服务器。
- 如权利要求5所述的电子邮件系统,其特征在于,所述第三方数字/电子货币交互服务器将来自所述资金管理服务器的内部请求根据相关协议转换为外部请求以执行汇款操作后,将汇款结果反馈给所述资金管理服务器,所述汇款结果包含汇款交易号,所述资金管理服务器向所述汇款邮件管理服务器反馈所述汇款交易号,所述汇款邮件管理服务器调度所述电子邮件管理服务器向收件人及发件人发送辅助邮件,并通过所述邮件客户端向发件人显示辅助邮件,所述辅助邮件包含所述汇款交易号。
- 如权利要求5所述的电子邮件系统,其特征在于,若所述汇款标识为内部汇款或通过所述数字货币交互服务器将来自所述资金管理服务器的内部请求根据相关协议转换为外部请求以执行汇款操作,则所述邮件消息还携带有汇款交易号。
- 如权利要求1-8所述的电子邮件系统,其特征在于,所述汇款标识位于所述电子邮件界面的浏览页面内任一位置。
- 如权利要求9所述的电子邮件系统,其特征在于,所述汇款标识位于所述电子邮件界面的邮件标头。
- 如权利要求9所述的电子邮件系统,其特征在于,所述汇款标识为汇款字段、汇款窗口、视图、可视化的标识元素中的任一种或组合。
- 如权利要求9所述的电子邮件系统,其特征在于,所述收款人信息至少包括以下之一:收款人的数字货币地址;收款人的数字货币地址所对应的名称;收款人的数字货币或电子货币所绑定的账号及服务商;收款人的数字货币或电子货币所绑定的账号及服务商共同所对应的名称。
- 一种如权利要求1-12任一项所述的融合货币协议的电子邮件系统的邮件发送方法,其特征在于,所述电子邮件系统包括汇款插件、邮件客户端、汇款邮件管理服务器、电子邮件管理服务器和资金管理服务器,所述邮件发送方法包括步骤:判断所述汇款插件是否被触发,若否,所述邮件客户端生成普通邮件并发送至所述汇款邮件管理服务器,所述汇款邮件管理服务器调度所述电子邮件管理服务器发送所述普通邮件;若所述汇款插件被触发:所述邮件客户端运行所述汇款插件,以向用户提供具有汇款标识的电子邮件界面,所述汇款标识携带有货币的收款人信息、金额与币种,所述币种为数字货币或/和电子货币;通过所述汇款标识获取收款人信息、金额与币种,并生成汇款邮件发送至汇款邮件管理服务器;所述汇款邮件管理服务器与所述电子邮件管理服务器和资金管理服务器协同工作,调度所述电子邮件管理服务器发送所述汇款邮件中的邮件消息及调度所述资金管理服务器根据所述汇款标识执行所述汇款邮件中的汇款操作。
- 如权利要求13所述的邮件发送方法,其特征在于,还包括自动回复邮件的步骤,若自动回复邮件包含可识别的汇款请求信息,则自动回复邮件的过程中还包括通过回复邮件进行汇款的步骤:若自动回复邮件包含可识别的汇款请求信息,则提示用户是否按照所述汇款请求信息汇款;若是,生成回复邮件,以使所述回复邮件的电子邮件界面自动加载有所述汇款标识,并将所述汇款请求信息中的收款人信息、金额与币种自动录入所述汇款标识,以生成能自动回复的汇款邮件,并发送至汇款邮件管理服务器;所述汇款邮件管理服务器调度所述电子邮件管理服务器发送所述自动回复的汇款邮件中的邮件消息及调度所述资金管理服务器根据所述汇款标识执行所述自动回复的汇款邮件中的汇款操作。
- 如权利要求13或14所述的邮件发送方法,其特征在于,所述电子邮件系统还包括外部网络接口,所述外部网络接口包括电子邮件交互服务器、数字货币交互服务器和第三方数字/电子货币交互服务器;所述邮件发送方法还包括跨系统发送汇款邮件的步骤:通过所述电子邮件交互服务器将来自所述电子邮件管理服务器的内部请求根据相关协议转换为外部电子邮件信息以执行信息发送;通过所述数字货币交互服务器或/和第三方数字/电子货币交互服务器将来自所述资金管理服务器的内部请求根据相关协议转换为外部请求以执行汇款操作。
- 如权利要求15任一项所述的邮件发送方法,其特征在于,所述汇款邮件管理服务器调度所述资金管理服务器之前,所述汇款邮件管理服务器先调度所述电子邮件管理服务器发送所述邮件消息,且待所述汇款邮件管理服务器接收到所述电子邮件管理服务器反馈的邮件消息发送成功的指令后,所述汇款邮件管理服务器再调度所述资金管理服务器。
- 如权利要求15所述的邮件发送方法,其特征在于,所述第三方数字/电子货币交互服务器将来自所述资金管理服务器的内部请求根据相关协议转换为外部请求以执行汇款操作后,还包括向收件人和发件人发送辅助邮件的步骤:将汇款结果反馈给所述资金管理服务器,所述汇款结果包含汇款交易号;所述资金管理服务器向所述汇款邮件管理服务器反馈所述汇款交易号;所述汇款邮件管理服务器调度所述电子邮件管理服务器向收件人及发件人发送辅助邮件,并通过所述邮件客户端向发件人显示辅助邮件,所述辅助邮件包含所述汇款交易号。
- 如权利要求15所述的邮件发送方法,其特征在于,若所述汇款标识为内部汇款或通过所述数字货币交互服务器将来自所述资金管理服务器的内部请求根据相关协议转换为外部请求以执行汇款操作,则发送汇款邮件的过程中还包括加载汇款交易号的步骤,以使所述汇款邮件中的邮件消息还携带有汇款交易号。
- 如权利要求15所述的邮件发送方法,其特征在于,所述汇款标识位于所述电子邮件界面的邮件标头。
- 如权利要求15所述的邮件发送方法,其特征在于,所述汇款标识为汇款字段、汇款窗口、视图、可视化的标识元素中的任一种或组合。
- 如权利要求15所述的邮件发送方法,其特征在于,所述收款人信息至少包括以下之一:收款人的数字货币地址;收款人的数字货币地址所对应的名称;收款人的数字货币或电子货币所绑定的账号及服务商;收款人的数字货币或电子货币所绑定的账号及服务商共同所对应的名称。
- 一种如权利要求1-12任一项所述的融合货币协议的电子邮件系统的邮件接收方法,其特征在于,所述电子邮件系统包括汇款插件、邮件客户端、 汇款邮件管理服务器、电子邮件管理服务器和资金管理服务器,所述收款方法包括步骤:通过所述电子邮件管理服务器接收电子邮件,并将邮件信息传输给汇款邮件管理服务器;所述汇款邮件管理服务器判断收到的电子邮件是否包含有汇款标识,若无,将所述电子邮件按普通电子邮件处理,所述汇款标识携带有货币的收款人信息、可能的交易号、金额与币种,所述币种为数字货币或/和电子货币;若含有汇款标识,则接收到的电子邮件为汇款邮件,将汇款邮件的相关信息传输给所述资金管理服务器;所述资金管理服务器查询汇款状态,并将查询结果反馈给所述汇款邮件管理服务器;所述汇款邮件管理服务器根据反馈的查询结果将汇款邮件及相关信息发送给收件人的邮件客户端。
- 如权利要求22所述的邮件接收方法,其特征在于,所述电子邮件系统还包括外部网络接口,所述外部网络接口包括电子邮件交互服务器、数字货币交互服务器和第三方数字/电子货币交互服务器;所述邮件接收方法还包括跨系统接收邮件的步骤:所述电子邮件管理服务器通过所述电子邮件交互服务器获取外部发送的电子邮件,并将所述电子邮件的邮件信息发送给所述汇款邮件管理服务器;所述汇款邮件管理服务器判断收到的邮件信息是否包含有汇款标识,若无,将所述电子邮件按普通电子邮件处理,若含有汇款标识,则接收到的电子邮件为汇款邮件,将汇款邮件的相关信息传输给所述资金管理服务器;所述资金管理服务器通过所述数字货币交互服务器或/和第三方数字/电子货币交互服务器查询汇款状态,并将查询结果反馈给所述汇款邮件管理服务器;所述汇款邮件管理服务器根据反馈的查询结果将汇款邮件及相关信息发送给收件人的邮件客户端。
- 如权利要求22所述的邮件接收方法,其特征在于,所述汇款标识位于所述电子邮件界面的邮件标头。
- 如权利要求22所述的邮件接收方法,其特征在于,所述汇款标识为汇款字段、汇款窗口、视图、可视化的标识元素中的任一种或组合。
- 如权利要求22所述的邮件接收方法,其特征在于,所述收款人信息至少包括以下之一:收款人的数字货币地址,或/和所对应的名称;收款人的数字货币或电子货币所绑定的账号及服务商,或/和共同所对应的名称。
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JP2022522606A (ja) | 2022-04-20 |
US20220108307A1 (en) | 2022-04-07 |
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