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Synchronous payment system

A payment system, buyer's technology, applied in the payment system, payment system structure, instruments, etc., can solve problems such as worrying about integrity and increasing the income of financial enterprises

Inactive Publication Date: 2013-05-01
雷桂斌
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0006] An object of the present invention is to provide a synchronous payment system to solve the problem of time-space separation transaction buyers and sellers worry about each other's integrity, reduce commodity transaction disputes, reduce commodity circulation costs, and increase financial enterprise income
[0007] Another object of the present invention is to provide a method of synchronous payment system to solve the problem of time-space separation transaction buyers and sellers worry about each other's integrity, reduce commodity transaction disputes, reduce commodity circulation costs, and increase financial enterprise income

Method used

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Embodiment Construction

[0154] In order to enable those skilled in the art to better understand the technical solution of the present invention, the present invention will be described in further detail below in conjunction with the accompanying drawings and specific embodiments. And the features in the embodiments can be combined with each other.

[0155]The core idea of ​​the present invention is: synchronous payment is a kind of payment that realizes that both buyers and sellers control the payment process through currency virtualization and composite technology, payment is synchronized with the delivery of goods, the payment process starts before the delivery of the goods, and ends later than the success of the delivery of the goods Way. The buyer uses the virtual currency of the synchronous payment system, and the cash is converted into the currency to be paid and the currency to be received. The currency to be paid is paid first, the seller delivers the goods, and the buyer pays the currency to...

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Abstract

The invention discloses a synchronous payment system for controlling a payment process by a buyer and a seller by utilizing currency virtualization and compositing technologies. The synchronous payment system comprises a buyer computer system, a seller computer system, a buyer bank synchronous payment system, a seller bank synchronous payment system and a secure communication network. The buyer operates the buyer bank synchronous payment system to obtain currency to be paid and a buyer password, and the seller obtains currency to be received, a seller password, a weight password and a state password. The buyer transmits the buyer password to the seller after receiving qualified goods, and the seller receives the currency by the buyer password through the seller bank synchronous payment system, or the buyer pays the currency to be paid to the seller to finish payment. On the contrary, the seller transmits the seller password to the buyer after receiving returned goods, and the buyer receives refund by the seller password through the buyer bank synchronous payment system, or the seller pays the currency to be received to the buyer to refund. The currency virtualization and compositing technologies are used for controlling the payment process by the buyer and the seller, and the problem of commodity transaction payment security is solved.

Description

technical field [0001] The invention relates to the technical field of online payment in financial services, in particular to an online payment system and method for online commodity transactions. Background technique [0002] At present, commodity transactions are divided into four categories according to the characteristics of time and space: the same time and space transactions, cash and spot goods, such as buying clothes in shopping malls; time-separated transactions, the transaction takes a long time, such as buying and selling houses, viewing houses, deposits, down payments, loans, and handling real estate certificates , the buyer obtains the real estate certificate, and the transaction ends; space-separated transactions, buying and selling goods in different spaces at the same time, such as buying virtual products on the Internet; time-spatial separation transactions, buying and selling goods at different times and different spaces, such as online group buying and inte...

Claims

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Application Information

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IPC IPC(8): G06Q20/12G06Q20/38G06Q40/04
CPCG06Q20/12
Inventor 雷桂斌王淑青
Owner 雷桂斌
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