Electronic payment settlement system and electronic payment settlement method

Abstract

An electronic payment settlement system, when a processing unit determines that a currency selection instruction indicates payment using virtual currency, adds the transaction virtual currency amount to an unsettled virtual currency amount in a merchant's unsettled ledger, deducts the transaction virtual currency amount from a pre-deposited virtual currency amount in a customer's payment account, and adds the transaction virtual currency amount to a total virtual currency amount in a bank's virtual currency account. When the processing unit determines that a payment setting instruction indicates that a merchant chooses virtual currency for payment, deducts the unsettled virtual currency amount from the total virtual currency amount in the bank's virtual currency account, and adds the unsettled virtual currency amount to a virtual currency balance in the merchant's virtual currency account.

Claims

1. An electronic payment settlement system, suitable for communicating with a client device controlled by a customer, and comprising: a processing unit electrically connected to the client device; and a storage unit electrically connected to the processing unit, storing customer payment account information corresponding to the customer, merchant unsettled ledger information corresponding to a merchant, merchant virtual currency account information corresponding to the merchant, bank-side virtual currency account information, and payment setting information corresponding to the merchant, wherein, The customer payment account information includes a pre-deposited virtual currency amount; the merchant's unsettled ledger information includes an unsettled virtual currency amount; the merchant's virtual currency account information includes a virtual currency balance; the bank's virtual currency account information includes a total virtual currency amount; and the payment settings indicate whether the merchant can choose virtual currency payment or fiat currency payment. When the processing unit receives a payment request from the client device corresponding to the merchant and containing a transaction fiat currency amount, it calculates a transaction virtual currency amount of equal value to the transaction fiat currency amount based on the transaction fiat currency amount and a current transaction virtual currency exchange rate, and sends the transaction virtual currency amount back to the client device. When the processing unit receives a currency selection instruction corresponding to the payment request from the client device, it determines whether the currency selection instruction indicates payment using virtual currency. When the processing unit determines that the currency selection instruction indicates payment using virtual currency, it adds the transaction virtual currency amount to the unsettled virtual currency amount in the merchant's unsettled ledger information, deducts the transaction virtual currency amount from the pre-deposited virtual currency amount in the customer's payment account information, and adds the transaction virtual currency amount to the total virtual currency amount in the bank's virtual currency account information. When the processing unit determines that a current time matches a predetermined settlement time, it determines whether the payment settings information instructs the merchant to choose virtual currency payment. When the processing unit determines that the payment settings information instructs the merchant to choose virtual currency payment, it deducts the unsettled virtual currency amount from the total virtual currency amount in the bank's virtual currency account information and adds the unsettled virtual currency amount to the virtual currency balance in the merchant's virtual currency account information.

2. The electronic payment and settlement system as described in claim 1, wherein, The storage unit also stores merchant fiat currency account information corresponding to the merchant, which includes a fiat currency balance. When the processing unit determines that the payment settings indicate that the merchant chooses fiat currency payment, it deducts the unsettled virtual currency amount from the total virtual currency amount in the bank's virtual currency account information. The processing unit converts the unsettled virtual currency amount into an unsettled fiat currency amount of equal value based on a current settlement virtual currency exchange rate and the unsettled virtual currency amount, and adds the unsettled fiat currency amount to the fiat currency balance in the merchant's fiat currency account information.

3. The electronic payment and settlement system as described in claim 1, wherein, The customer payment account information also includes a fiat currency amount; when the processing unit determines that the currency selection instruction indicates payment in fiat currency, it adds the transaction virtual currency amount to the unsettled virtual currency amount in the merchant's unsettled ledger information, deducts the transaction fiat currency amount from the fiat currency amount in the customer payment account information, and adds the transaction virtual currency amount to the total virtual currency amount in the bank's virtual currency account information; when the processing unit determines that the current time meets the predetermined settlement time, it deducts the unsettled virtual currency amount from the total virtual currency amount in the bank's virtual currency account information, and adds the unsettled virtual currency amount to the virtual currency balance in the merchant's virtual currency account information.

4. The electronic payment and settlement system as described in claim 1, wherein, The storage unit also stores bank-side fiat currency account information. When the processing unit determines that a decoupling risk condition is met, it will convert the total virtual currency amount in the bank-side virtual currency account information into a total fiat currency amount of equal value based on a current decoupling virtual currency exchange rate, and deposit the total fiat currency amount into the bank-side fiat currency account information. The decoupling risk condition includes a ratio between a virtual currency price and a peg price that is greater than or equal to a preset ratio.

5. An electronic payment settlement system, suitable for communicating with a client device controlled by a customer, and comprising: a processing unit electrically connected to the client device; and a storage unit electrically connected to the processing unit, storing customer payment account information corresponding to the customer, merchant unsettled ledger information corresponding to a merchant, merchant virtual currency account information corresponding to the merchant, bank-side fiat currency account information, and payment setting information corresponding to the merchant, wherein, The customer payment account information includes a fiat currency amount, the merchant's unsettled ledger information includes an unsettled fiat currency amount, the merchant's virtual currency account information includes a virtual currency balance, and the bank's fiat currency account information includes a total fiat currency amount. The payment settings indicate whether the merchant chooses virtual currency payment or fiat currency payment. When the processing unit receives a payment request from the client device corresponding to the merchant and containing a transaction fiat currency amount, it calculates a transaction virtual currency amount of equal value based on the transaction fiat currency amount and a current transaction virtual currency exchange rate, and sends the transaction virtual currency amount back to the client device. When the processing unit receives a currency selection instruction corresponding to the payment request from the client device, it determines whether the currency selection instruction indicates that fiat currency payment is to be used. When the processing unit determines that the currency selection instruction indicates payment in fiat currency, it adds the transaction amount in fiat currency to the unsettled amount in the merchant's unsettled ledger, deducts the transaction amount from the fiat currency amount in the customer's payment account, and adds the transaction amount to the total fiat currency amount in the bank's fiat currency account. When the processing unit determines that a current time matches a predetermined settlement time, it determines whether the payment settings indicate that the merchant selects virtual currency for payment. When the processing unit determines that the payment settings indicate that the merchant selects virtual currency for payment, it deducts the unsettled amount in fiat currency from the total fiat currency amount in the bank's fiat currency account. The processing unit calculates an unsettled virtual currency amount of equal value to the unsettled amount in fiat currency based on the unsettled amount in fiat currency and a current settlement virtual currency exchange rate, and adds the unsettled virtual currency amount to the virtual currency balance in the merchant's virtual currency account.

6. The electronic payment and settlement system as described in claim 5, wherein, The storage unit also stores merchant fiat currency account information corresponding to the merchant, which includes a fiat currency balance. When the processing unit determines that the payment setting information instructs the merchant to select fiat currency payment, it deducts the unsettled fiat currency amount from the total fiat currency amount in the bank's fiat currency account information and adds the unsettled fiat currency amount to the fiat currency balance in the merchant's fiat currency account information.

7. The electronic payment and settlement system as described in claim 5, wherein, The customer payment account information also includes a pre-deposited virtual currency amount; when the processing unit determines that the currency selection instruction indicates payment using virtual currency, it adds the transaction amount in fiat currency to the unsettled fiat currency amount in the merchant's unsettled ledger information, deducts the transaction amount in virtual currency from the pre-deposited virtual currency amount in the customer payment account information, and adds the transaction amount in fiat currency to the total fiat currency amount in the bank's fiat currency account information; when the processing unit determines that the current time matches the scheduled settlement time, it deducts the unsettled amount in fiat currency from the total fiat currency amount in the bank's fiat currency account information, and adds the unsettled amount in fiat currency to the fiat currency balance in the merchant's fiat currency account information.

8. An electronic payment settlement method, implemented by an electronic payment settlement system, the electronic payment settlement system being adaptable to communicate with a client device controlled by a customer, and storing customer payment account information corresponding to the customer, merchant unsettled ledger information corresponding to a merchant, merchant virtual currency account information corresponding to the merchant, and bank-side virtual currency account information, wherein, The customer payment account information includes a pre-deposited virtual currency amount and payment settings corresponding to the merchant. The merchant's unsettled ledger information includes an unsettled virtual currency amount. The merchant's virtual currency account information includes a virtual currency balance. The bank's virtual currency account information includes a total virtual currency amount. The payment settings indicate whether the merchant can choose virtual currency payment or fiat currency payment. The electronic payment settlement method includes: when the client device receives a payment request corresponding to the merchant and including a transaction fiat currency amount, calculating a transaction virtual currency amount of equal value to the transaction fiat currency amount based on the transaction fiat currency amount and a current transaction virtual currency exchange rate, and returning the transaction virtual currency amount to the client device; when the client device receives a currency selection instruction corresponding to the payment request, determining whether the currency selection instruction indicates virtual currency payment. When it is determined that the currency selection instruction indicates payment using virtual currency, the transaction virtual currency amount is added to the unsettled virtual currency amount in the merchant's unsettled ledger information, and the transaction virtual currency amount is deducted from the pre-deposited virtual currency amount in the customer's payment account information, and the transaction virtual currency amount is added to the total virtual currency amount in the bank's virtual currency account information; when it is determined that a current time meets a predetermined settlement time, it is determined whether the payment settings information indicates that the merchant selects virtual currency payment; and when it is determined that the payment settings information indicates that the merchant selects virtual currency payment, the unsettled virtual currency amount is deducted from the total virtual currency amount in the bank's virtual currency account information, and the unsettled virtual currency amount is added to the virtual currency balance in the merchant's virtual currency account information.

9. The electronic payment settlement method as described in claim 8, wherein, The electronic payment settlement system also stores merchant fiat currency account information corresponding to the merchant, which includes a fiat currency balance. When it is determined that the payment settings indicate that the merchant chooses fiat currency payment, the unsettled virtual currency amount is deducted from the total virtual currency amount in the bank's virtual currency account information. Based on a current settlement virtual currency exchange rate and the unsettled virtual currency amount, an unsettled amount of fiat currency with the same value is converted, and the unsettled amount of fiat currency is added to the fiat currency balance in the merchant's fiat currency account information.

10. The electronic payment settlement method as described in claim 8, wherein, The customer payment account information also includes a fiat currency amount; when it is determined that the currency selection instruction indicates payment in fiat currency, the virtual currency amount of the transaction is added to the unsettled virtual currency amount in the merchant's unsettled ledger information, and the fiat currency amount of the transaction is deducted from the fiat currency amount in the customer payment account information, and the virtual currency amount of the transaction is added to the total virtual currency amount in the bank's virtual currency account information; when it is determined that the current time meets the scheduled settlement time, the unsettled virtual currency amount is deducted from the total virtual currency amount in the bank's virtual currency account information, and the unsettled virtual currency amount is added to the virtual currency balance in the merchant's virtual currency account information.

11. The electronic payment settlement method as described in claim 8, wherein, The electronic payment and settlement system also stores information on a bank's fiat currency account. When a decoupling risk condition is determined to be met, the total amount of virtual currency in the bank's virtual currency account information will be converted into a total fiat currency amount of equal value based on a current exchange rate of the decoupled virtual currency, and the total fiat currency amount will be deposited into the bank's fiat currency account information. The decoupling risk condition includes a ratio between a virtual currency price and a peg price that is greater than or equal to a preset ratio.

12. An electronic payment settlement method, implemented by an electronic payment settlement system, the electronic payment settlement system being adaptable to communicate with a client device controlled by a customer, and storing customer payment account information corresponding to the customer, merchant unsettled ledger information corresponding to a merchant, merchant virtual currency account information corresponding to the merchant, bank-side fiat currency account information, and payment setting information corresponding to the merchant, wherein, The customer payment account information includes a fiat currency amount, the merchant's unsettled ledger information includes an unsettled fiat currency amount, the merchant's virtual currency account information includes a virtual currency balance, the bank's fiat currency account information includes a total fiat currency amount, and the payment settings information instructs the merchant to choose virtual currency payment or fiat currency payment; the electronic payment settlement method includes: when the client device receives a payment request corresponding to the merchant and including a transaction fiat currency amount, calculating a transaction virtual currency amount of equal value to the transaction fiat currency amount based on the transaction fiat currency amount and a current transaction virtual currency exchange rate, and returning the transaction virtual currency amount to the client device; when the client device receives a currency selection instruction corresponding to the payment request, determining whether the currency selection instruction instructs the use of fiat currency for payment; When it is determined that the currency selection instruction indicates payment in fiat currency, the fiat currency amount of the transaction is added to the unsettled fiat currency amount in the merchant's unsettled ledger information, and the fiat currency amount of the transaction is deducted from the fiat currency amount in the customer's payment account information, and the fiat currency amount of the transaction is added to the total fiat currency amount in the bank's fiat currency account information; when it is determined that a current time matches a predetermined settlement time, it is determined whether the payment settings information indicates that the merchant selects virtual currency payment; when it is determined that the payment settings information indicates that the merchant selects virtual currency payment, the unsettled fiat currency amount is deducted from the total fiat currency amount in the bank's fiat currency account information; and an unsettled virtual currency amount of equal value to the unsettled fiat currency amount is calculated based on the unsettled fiat currency amount and a current settlement virtual currency exchange rate, and the unsettled virtual currency amount is added to the virtual currency balance in the merchant's virtual currency account information.

13. The electronic payment settlement method as described in claim 12, wherein, The electronic payment settlement system also stores merchant fiat currency account information corresponding to the merchant, which includes a fiat currency balance. When it is determined that the payment settings indicate that the merchant selects fiat currency payment, the unsettled fiat currency amount is deducted from the total fiat currency amount in the bank's fiat currency account information, and the unsettled fiat currency amount is added to the fiat currency balance in the merchant's fiat currency account information.

14. The electronic payment settlement method as described in claim 12, wherein, The customer payment account information also includes a pre-deposited virtual currency amount; when it is determined that the currency selection instruction indicates payment using virtual currency, the transaction fiat currency amount is added to the unsettled fiat currency amount in the merchant's unsettled ledger information, and the transaction virtual currency amount is deducted from the pre-deposited virtual currency amount in the customer payment account information, and the transaction fiat currency amount is added to the total fiat currency amount in the bank's fiat currency account information; when it is determined that the current time meets the scheduled settlement time, the unsettled fiat currency amount is deducted from the total fiat currency amount in the bank's fiat currency account information, and the unsettled fiat currency amount is added to the fiat currency balance in the merchant's fiat currency account information.

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