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Electronic payment method and system

A payment platform and currency technology, applied in payment system structure, equipment, data processing applications, etc., can solve the problems affecting the interests of buyers and sellers, fixed foreign exchange rates, and low currency pertinence, and achieve the effect of fast electronic payment

Inactive Publication Date: 2009-04-29
ASIAPAY TECH
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0005] The purpose of the present invention is to provide a multi-currency payment method, which aims to solve the problems in the prior art that there are few payment currency options, the currency provided is not highly targeted, and the foreign exchange rate is fixed, which affects the interests of buyers and sellers.

Method used

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  • Electronic payment method and system
  • Electronic payment method and system
  • Electronic payment method and system

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Embodiment Construction

[0026] In order to make the object, technical solution and advantages of the present invention clearer, the present invention will be further described in detail below in conjunction with the accompanying drawings and embodiments. It should be understood that the specific embodiments described here are only used to explain the present invention, not to limit the present invention.

[0027] Through the multi-currency payment platform, the present invention enables the seller to provide multiple currencies for the buyer's information, the buyer can choose according to his own needs, and the seller can formulate and update the foreign exchange rate according to the relevant information, and truly realize convenient and fast electronic payment .

[0028] figure 1 It shows the structure of the multi-currency payment platform in the system of the present invention. The multi-currency payment platform 100 in the present invention includes a foreign exchange rate storage management ...

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Abstract

The invention relates to the electronic commerce field, in particular to a multi-currency payment method and a platform thereof. The multi-currency payment method comprises the following steps: A. receiving, storing and updating an exchange rate set by a seller, an acquiring bank or jointly set by the seller and the acquiring bank, and receiving and storing a current acceptable currency set by the seller and a preferable currency of the seller; B. acquiring geographic position factors of two parties to the transaction, the preferable currency of the seller and the current acceptable currency of the seller, and determining an optional currency of a buyer; C. receiving payment information of the buyer, and sending a payment authorization request under a safe state; and D. receiving authorization information from the bank and requesting the buyer to confirm. The multi-currency payment method can help realize multi-currency payment options, set and update the exchange rate according to the related information, thus truly realizing convenient and quick payment.

Description

technical field [0001] The present invention relates to the field of electronic commerce, and more specifically, relates to an electronic payment method and system. Background technique [0002] With the development of information technology and the popularization and improvement of the network, electronic payment plays an increasingly important role in people's production and life. However, the current inventions of electronic payment are often just a fuss about its security, ignoring the most critical reason for people to use electronic payment, that is, convenience and speed. Existing electronic payment platforms often use local currency as the payment currency, which makes it very inconvenient for buyers who expect to shop in different places. The buyer can only solve this problem by opening a new currency account in the bank or exchanging in the financial system, which makes electronic payment lose its important advantages of convenience and speed. [0003] The patent...

Claims

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Application Information

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IPC IPC(8): G06Q20/00
CPCG06Q20/12
Inventor 陈永祥
Owner ASIAPAY TECH