Virtual currency involved transaction payment method

A virtual currency and transaction technology, applied in the field of online transaction payment, can solve the problems of inability to realize feedback profit, exchange, and inability to be at will at any time, so as to expand promotion channels, promote enthusiasm, and eliminate manual confirmation and lengthy waiting process. Effect

Inactive Publication Date: 2014-08-06
马云起
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0002] At present, many transaction payment platforms, such as usual bank websites or online third-party transaction platforms, usually only have the transaction function of physical currency. For the issuance and transaction of virtual currency, such as rebates or points, etc., it is carried out by another transaction payment platform. , the trading platform of virtual currency is independent of the trading platform of real currency. The virtual currency issued by merchants to customers in the form of rebates or points can only exist in the trading system of virtual currency, and cannot directly have a relationship with real currency. It needs to go through cumbersome manual Operations can realize the exchange

Method used

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  • Virtual currency involved transaction payment method
  • Virtual currency involved transaction payment method
  • Virtual currency involved transaction payment method

Examples

Experimental program
Comparison scheme
Effect test

Example Embodiment

[0042] Embodiment 1, payment transaction.

[0043] Reference attached figure 1 , A transaction payment method involving virtual currency of the present invention first establishes a capital transaction account for each user (including buyer and seller), and provides a transaction payment platform, wherein the capital transaction accounts of the buyer and the seller each include a physical currency transaction account and Virtual currency transaction account, the transaction payment platform has an intermediary fund account for income and expenditure of physical currency.

[0044] The payment by the transaction payment method of the present invention specifically includes the following steps:

[0045] S101, the buyer and the seller log into the transaction payment platform through the user terminal respectively;

[0046] S102: The buyer and seller reach a transaction consensus (either online or offline) and establish a payment transaction through the transaction payment platform;

[004...

Example Embodiment

[0053] Embodiment 2, refund transaction.

[0054] Reference attached figure 2 After the payment transaction is carried out, the buyer and the seller may have a refund request due to various reasons. The refund transaction can also be carried out by the method of the present invention, which specifically includes the following steps: S201, the buyer logs in to the transaction payment platform through the user terminal;

[0055] S202: The buyer establishes a refund transaction on the transaction payment platform. The buyer may negotiate with the seller in advance to make a refund, or unilaterally initiate a refund transaction and wait for the seller to confirm;

[0056] S203: The transaction payment platform searches for the corresponding payment order, and generates a corresponding refund order; the transaction payment platform searches for the corresponding payment order according to the buyer's specification when establishing a refund transaction, and after the refund order is gener...

Example Embodiment

[0062] Embodiment 3, purchasing virtual currency.

[0063] Reference attached image 3 As mentioned above, in the transaction payment method of the present invention, the buyer or the seller needs to purchase a certain amount of virtual currency from the transaction payment platform under certain circumstances for rebate or refund.

[0064] Buyers and sellers purchase virtual currency from the transaction payment platform in exactly the same steps. The difference is that their purchase price may differ due to the type of virtual currency fund account. The difference can be confirmed according to the actual situation. In the steps, the buyer and seller are collectively referred to as users. The following are the specific steps for users to purchase virtual currency:

[0065] S301, the user logs in to the transaction payment platform through the terminal device;

[0066] S302: The user initiates a virtual currency purchase request to the transaction payment platform, including the purch...

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PUM

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Abstract

The invention provides a virtual currency involved transaction payment method. By using the virtual currency involved transaction payment method, capital trading accounts are established for buyers and sellers, and a transaction payment platform is provided. The virtual currency involved transaction payment method comprises the following steps of establishing payment transaction between a buyer and a seller; generating a payment order form on the transaction payment platform; paying material currency from the buyer to the seller by using the transaction payment platform; and paying virtual currency from the seller to the buyer by using the transaction payment platform. By using the virtual currency involved transaction payment method, material currency transaction payment and virtual currency transaction payment are skillfully fused together, only a virtual currency involved payment order form is required to be set on the payment transaction platform; while material currency transaction is finished, account remitting on virtual currency can be automatically performed by using the payment transaction platform, a virtual currency transaction account and a material currency transaction account of the user can be converted at any time through the transaction payment platform, real rebate and cashback can be realized, a merchant and a consumer have brand-new user experiences, the enthusiasm of the consumer can be promoted, and the sales promotion channel of the merchant can be expanded.

Description

technical field [0001] The invention relates to the field of network transaction payment. Background technique [0002] At present, many transaction payment platforms, such as usual bank websites or online third-party transaction platforms, usually only have the transaction function of physical currency. For the issuance and transaction of virtual currency, such as rebates or points, etc., it is carried out by another transaction payment platform. , the trading platform of virtual currency is independent of the trading platform of real currency. The virtual currency issued by merchants to customers in the form of rebates or points can only exist in the trading system of virtual currency, and cannot directly have a relationship with real currency. It needs to go through cumbersome manual Operations can realize the exchange of counterexamples or points, or these rebates or points can only be used on the virtual currency platform, which makes it impossible for customers to exch...

Claims

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Application Information

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IPC IPC(8): G06Q20/02G06Q20/42
CPCG06Q20/02G06Q30/016G06Q30/0207G06Q30/0635
Inventor 马云起
Owner 马云起
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