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Electronic payment system and method, intelligent terminal and storage medium

A technology for electronic payment and payment amount, applied in the fields of electronic payment systems, smart terminals and storage media, it can solve the problems of counterfeiting, unsafe payment process, theft, etc., and achieve the effect of enhancing security performance

Inactive Publication Date: 2019-05-14
篱笆墙科技集团有限公司
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

[0004] Since the essence of electronic payment is data communication, during the transaction, if the payer sends the payee’s account number and payment amount to the bank, the information theft party intercepts the communication data and tampers with the payee’s account number into information If the account number of the stealing party is uploaded to the bank, then the funds of the payer will be stolen, resulting in the payment information of the payer being leaked, stolen, tampered with and forged, making the payment process unsafe.

Method used

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  • Electronic payment system and method, intelligent terminal and storage medium
  • Electronic payment system and method, intelligent terminal and storage medium
  • Electronic payment system and method, intelligent terminal and storage medium

Examples

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Embodiment 1

[0055] figure 1 It is a schematic structural diagram of the electronic payment system provided by Embodiment 1 of the present invention. Such as figure 1 As shown, this embodiment provides an electronic payment system, including:

[0056] The currency conversion module 101 is used to dynamically generate the conversion relationship between the actual payment amount and the virtual currency;

[0057] The virtual currency generation module 102 is used to generate virtual currency representing the actual payment amount from the actual payment amount according to the conversion relationship;

[0058] The virtual currency payment module 103 is used to transfer the virtual currency from the virtual account of the payer to the virtual account of the payee, and store the transaction information based on blockchain technology;

[0059] Auditing module 104, used for auditing the virtual currency and obtaining auditing results;

[0060] The actual payment module 105 is configured to ...

Embodiment 2

[0063] figure 2 It is a schematic structural diagram of the electronic payment system provided by Embodiment 2 of the present invention. Such as figure 2 As shown, this embodiment provides another electronic payment system, including:

[0064] The registration module 201 is configured to generate virtual account information according to the user's actual account information. Since the user's actual account information is uniquely determined, the generated virtual account information is also uniquely determined, and when the user receives and pays, the actual account information and virtual account information used by the user are the same information.

[0065] The currency conversion module 202 is used to dynamically generate the conversion relationship between the actual payment amount and the virtual currency. It should be noted that, similar to the conversion of RMB to US dollars, the exchange rate is changing at any time. The dynamic change of currency is also change...

Embodiment 3

[0083] image 3 It is a schematic flowchart of the electronic payment method provided by Embodiment 3 of the present invention. Such as image 3 As shown, this embodiment provides an electronic payment method, including:

[0084] Step 301, receiving the actual payment amount, and dynamically generating the conversion relationship between the actual payment amount and the virtual currency;

[0085] Step 302, according to the conversion relationship, the actual payment amount is generated into a virtual currency representing the actual payment amount;

[0086] Step 303, transfer the virtual currency from the virtual account of the payer to the virtual account of the payee, and store the transaction information based on blockchain technology;

[0087] Step 304, reviewing the virtual currency, and obtaining the review result;

[0088] Step 305, after the verification result is passed, the actual payment is made according to the actual payment amount.

[0089] In this embodime...

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PUM

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Abstract

The invention relates to an electronic payment system and method, an intelligent terminal and a storage medium, and is applied to the technical field of electronic payment, and the electronic paymentsystem comprises a currency conversion module which is used for dynamically generating a conversion relation between an actual payment amount and virtual currency; a virtual currency generation moduleused for generating virtual currency representing the actual payment amount from the actual payment amount according to the conversion relation; a virtual currency payment module used for transferring the virtual currency from a payer virtual account to a payee virtual account and storing transaction information based on a block chain technology; an auditing module used for auditing the virtual currency to obtain an auditing result; and an actual payment module used for carrying out actual payment according to the actual payment amount after the audit result is passed.

Description

technical field [0001] The invention relates to the technical field of electronic payment, in particular to an electronic payment system, method, intelligent terminal and storage medium. Background technique [0002] With the rapid development of e-commerce and mobile Internet technology, electronic payments such as online banking, Alipay, WeChat payment, etc. The act of transfer is a payment method based on electronic communication that uses digital currency instead of physical currency for payment. It has the advantages of cross-regional payment, no dependence on physical currency, no need for change, and convenience. Wait for the smart terminal to realize electronic payment. [0003] At present, the electronic payment that people use is mainly that the payer or payee obtains the electronic account of the other party, and then initiates a transfer request to a third-party payment platform (such as Alipay, WeChat, etc.) or a bank, and the third-party payment platform or ba...

Claims

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Application Information

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IPC IPC(8): G06Q20/06G06Q20/38
Inventor 黄水财
Owner 篱笆墙科技集团有限公司
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