Payment system applied to metaverse

Abstract

Disclosed in the present invention is a payment system applied to a metaverse, which system has rich functions, strong versatility, simple operation, and easy application in metaverse platforms. The technical solution involves the system comprising a user terminal, a metaverse platform, a payment service subsystem and a certificate authority (CA), wherein the user terminal includes an offline security module and a payment announcement component; the metaverse platform comprises a frontend service module, an asynchronous processing service module and an SDK module; and the payment service subsystem comprises a payment management module, a risk control management module, a channel management module and a blockchain gateway.

Description

A payment system applied to the metaverse Technical Field

[0001] This invention relates to the field of payment systems, and in particular to payment solutions in the metaverse industry, aiming to provide a complete basic payment function system to meet the payment needs of various metaverse systems. Background Technology

[0002] With the booming development of the virtual economy, transaction demand in the metaverse is growing, placing higher demands on the security, convenience, and cross-platform compatibility of payment systems. Currently, by introducing advanced technologies such as blockchain, cryptocurrencies, and smart contracts, payment systems can effectively support the circulation of digital assets and virtual goods, greatly promoting the commercialization of the metaverse. Among these, cryptocurrency payments, such as Bitcoin, Ethereum, stablecoins, and non-fungible tokens (NFTs), are widely used in the metaverse as an important payment method, enabling users to conveniently purchase virtual assets, goods, or services.

[0003] However, cryptocurrency payments also have some inherent problems. First, the price volatility of cryptocurrencies is significant, which affects the stability of transactions to some extent. Second, due to technological and regulatory limitations, the widespread adoption of cryptocurrency payments within the metaverse faces numerous challenges. Furthermore, for traditional payment methods, some metaverse platforms develop dedicated digital wallets or payment gateways to facilitate transactions within the platform. However, this approach also presents challenges in managing user private keys; leakage or mismanagement of private keys can lead to financial losses. Simultaneously, wallet compatibility issues between different platforms limit the seamless payment experience for users across multiple platforms.

[0004] To address the aforementioned issues, several innovative payment methods have emerged in the prior art. For example, patent application number 202310748329.5 proposes a payment method, device, equipment, medium, and product based on a metaverse. This solution primarily enhances payment security by combining the user's variable and immutable characteristic information with metaverse role information for identity verification. However, this solution may encounter some problems in practical applications, such as user habits, user experience, and the initial platform integration costs. In particular, technologies like handwriting and iris recognition could pose significant obstacles from both user habit and platform integration cost perspectives.

[0005] On the other hand, patent application number 202311345584.1 proposes a metaverse secure payment method, apparatus, device, and storage medium. This solution focuses on reducing the switching between the virtual and real worlds to improve user experience. It generates payment application information using the transaction initiator's metaverse payment certificate and the transaction recipient's metaverse merchant certificate, performs external verification through a transaction management platform, and authenticates the identity through a biometric identification unit to ultimately complete the transaction settlement. However, while this solution improves security, it does not fully consider the potential financial losses caused by operational errors on the metaverse platform, nor the requirements for compliance auditing.

[0006] In summary, the lack of robust basic payment functionality has become a major obstacle to the promotion of the Metaverse industry. Due to the inadequacy of the payment system, the Metaverse platform faces the following key payment needs:

[0007] 1. User requirements:

[0008] 1.1 When users use the payment system, the operation should be consistent with their traditional payment habits to avoid a complex learning curve and unfamiliar operating methods;

[0009] 1.2 Users have high requirements for payment security, especially in virtual environments, and need to ensure the security of the transaction process to avoid fraud and information leakage.

[0010] 2. Platform requirements:

[0011] 2.1 The Yuan Universe platform needs an effective capital recovery mechanism to ensure timely capital flow and stable platform operation;

[0012] 2.2 Some platforms need to reduce investment costs in their payment systems.

[0013] 3. Regulatory needs:

[0014] 3.1 Regulatory agencies have high requirements for the Metaverse payment system and need to establish a sound compliance mechanism to ensure the transparency and legality of payment activities.

[0015] 3.2 Regulators also hope to reduce regulatory costs and resource consumption through reasonable means.

[0016] The existing technology has the following shortcomings:

[0017] 1. Most existing technical solutions focus on meeting certain needs, such as payment security, or solely on user experience.

[0018] 2. Although security issues have received some attention, potential vulnerabilities still exist, and risks such as double-spending and data tampering have not been fully prevented;

[0019] 3. The failure to fully integrate user experience, platform requirements, and regulatory requirements resulted in a system design that was not closed-loop enough and could not effectively address various challenges.

[0020] In conclusion, the current Metaverse payment system still has many shortcomings, and there is an urgent need to develop a payment system that is feature-rich, versatile, easy to use, and readily applicable to the Metaverse platform. This system should reduce enterprise usage costs while ensuring payment security, improving user convenience, and complying with relevant regulatory requirements. Summary of the Invention

[0021] The following provides a brief overview of one or more aspects to offer a basic understanding of them. This overview is not an exhaustive summary of all conceived aspects, nor is it intended to identify key or decisive elements of all aspects, nor to define the scope of any or all aspects. Its sole purpose is to present some concepts of one or more aspects in a simplified form to prepare for the more detailed descriptions that follow.

[0022] The purpose of this invention is to solve the above problems and provide a payment system applicable to the metaverse that is feature-rich, highly versatile, simple to use, and easy to use on the metaverse platform.

[0023] The technical solution of this invention is as follows: This invention discloses a payment system applied to the metaverse, including a user terminal, a metaverse platform, a payment service subsystem, and a CA certificate authorization authority, wherein:

[0024] The user-side includes an offline security module and a payment broadcast component, among which:

[0025] The offline security module includes a private key storage unit, where users sign transactions using the private key stored in the unit and receive payment confirmation information through the payment broadcast component.

[0026] The payment announcement component allows users to choose from a variety of immersive payment methods;

[0027] The Metaverse platform includes a front-end service module, an asynchronous processing service module, and an SDK module, among which:

[0028] The front-end service module is used to receive signature information from the user and communicate with the payment service subsystem through the SDK module to perform business processing and ensure transaction security.

[0029] The asynchronous processing service module is used to monitor and process asynchronous result feedback of payment requests to ensure the integrity of the payment process;

[0030] The SDK module is embedded into the Metaverse platform to connect the Metaverse platform and payment services;

[0031] The payment service subsystem includes a payment management module, a risk control management module, a channel management module, and a blockchain gateway, among which:

[0032] The payment management module is used to generate transactions and process accounting entries.

[0033] The risk control management module monitors transactions in real time, analyzes potential risks, and triggers alarms or restricts transactions when risks are detected.

[0034] The channel management module manages the status of payment channels, transmits data from the Metaverse platform to the payment channels, and manages the status of each payment channel to achieve seamless switching.

[0035] A blockchain gateway is used to put transaction information on the blockchain and use smart contracts to achieve atomic settlement of virtual goods and user funds.

[0036] Certificate Authorities (CAs) are used to provide certificate and authentication services, verify the identities of both parties in a transaction, and ensure secure communication.

[0037] According to one embodiment of the payment system applied to the metaverse according to the present invention, the payment broadcast component supports payment confirmation broadcasting in multiple forms, including SMS / email push, official account push, APP push, voice broadcast, and metaverse plugin screen display.

[0038] According to an embodiment of the payment system applied to the metaverse of the present invention, the system operates through the following process:

[0039] ① The user initiates and signs the transaction;

[0040] ② The front-end service module receives data and forwards it to the payment management module via the SDK. The payment service processes the transaction and uploads the data to the blockchain.

[0041] ③ The asynchronous processing service module provides feedback on the payment results;

[0042] ④ Users obtain payment information through the payment broadcast component.

[0043] According to an embodiment of the payment system applied to the metaverse according to the present invention, in step ②, the metaverse platform securely interacts with the payment service provider through the SDK, and simultaneously provides end users with two payment method options, including immersive payment and bridged payment. Step ② further includes:

[0044] Payment collection service: Receives transaction orders from the Metaverse platform and passes them to the unified order SDK for processing;

[0045] Unified Order SDK: As a core component, it receives transaction orders from the payment service and interacts with immersive payment and bridged payment through the SDK to achieve unified management and scheduling of payment methods;

[0046] Immersive payment: This includes universal U-shield payment, Bluetooth U-shield payment, biometric payment, and cold wallet APP payment. Immersive payment receives payment requests through the SDK and interacts with the blockchain using smart contract standards, identity authentication standards, and privacy protection standards to ensure the security and compliance of payments.

[0047] Bridged payment: This includes mini-program payment, H5 payment, APP payment, and quick payment. These payment methods are suitable for lightweight payment scenarios. Bridged payment receives payment requests through the SDK and interacts with the blockchain to ensure the security and compliance of payments.

[0048] According to an embodiment of the payment system applied to the metaverse of the present invention, the payment management module is further configured with the following reconciliation and settlement process:

[0049] Step 1: Reconciliation file storage service: Stores multi-source data including orders, payments, coupons, marketing, and settlements;

[0050] Step 2: ETL / Resolution Service: Cleans, transforms, and standardizes the stored data to form a data foundation that can be used for reconciliation and stores it in layers, including a data standard layer, a detailed data layer, a summary data layer, and a data mart layer. The data standard layer standardizes the data to ensure data consistency. The detailed data layer stores detailed transaction data to facilitate reconciliation. The summary data layer summarizes the detailed data to form reconciliation results. The data mart layer provides query and analysis functions for reconciliation data.

[0051] Step 3: Data verification: Real-time monitoring of transaction data through blockchain observation nodes to perform reconciliation operations. If abnormal data is found, a discrepancy report is generated and submitted to the manual processing layer for review.

[0052] Step 4: After confirming that the reconciliation results are correct, generate the reconciliation results and perform settlement and reconciliation. The settlement and reconciliation process also includes manual discrepancy processing.

[0053] According to an embodiment of the payment system applied to the metaverse of the present invention, the risk management module is further configured with the following compliance and regulatory processes:

[0054] First, customer information is collected and customer ratings are conducted through the KYC module to assess their risk level.

[0055] Then, the system issues a warning: it checks whether the user is on the warning list;

[0056] Next, identify potentially high-risk behaviors;

[0057] Next, conduct intent verification: an identity verification process to confirm the user's true intent, ensuring that the user makes a transaction or authorizes the transaction with full knowledge and consent;

[0058] Finally, if a suspicious transaction is detected, an alert will be triggered based on the entity and transaction rules: including entity alert, region alert, account opening alert, and transaction alert.

[0059] According to an embodiment of the payment system applied to Metaverse according to the present invention, the final step of detecting whether a transaction is suspicious includes manual processing: manually reviewing the detected suspicious transactions, supplementing the processing results and reporting them to the regulatory agency; and simultaneously completing data collection / sample sharing: that is, collecting and sharing key risk event data based on strict data compliance requirements for further analysis by Metaverse business compliance supervision.

[0060] According to one embodiment of the payment system applied to the metaverse of the present invention, the early warning process also includes intelligently generating AI face-swapping features by deeply mining abnormal facial data and automatically updating the liveness detection model to prevent watermark attacks and synthetic attacks.

[0061] Compared with the prior art, the present invention has the following advantages:

[0062] 1. A complete metaverse payment closed-loop design:

[0063] This invention not only fulfills the basic requirements of payment functionality and fund security, but also constructs a complete payment closed loop. By adopting a T+2 settlement cycle, the system ensures timely fund recovery and improves the efficiency of fund utilization.

[0064] By leveraging Watch Nodes on the blockchain to monitor transaction data in real time, the system can automatically reconcile on-chain transactions with internal platform data, promptly identify and handle abnormal data, and generate discrepancy reports for manual review. This process not only improves the accuracy and efficiency of reconciliation but also forms a closed-loop settlement process, effectively reducing operational risks and the risk of financial loss.

[0065] 2. Dual support for immersive and bridging payment methods:

[0066] This invention innovatively designs two types of payment methods: immersive and bridging, to meet the diverse needs of different scenarios and users.

[0067] Immersive payment methods utilize advanced technologies such as USB tokens, biometrics, and cold wallets to enable users to complete payments without leaving the metaverse environment, greatly enhancing the user's immersive experience and improving payment convenience and user satisfaction.

[0068] The bridging payment method supports common payment methods such as mini-programs and H5 pages, closely aligning with users' daily payment habits and suitable for lightweight payment scenarios. This design not only lowers the payment threshold for users but also effectively reduces the cost of platform integration, enhancing the system's versatility and usability.

[0069] 3. A multi-layered compliance and risk control system:

[0070] This invention establishes a multi-layered compliance and regulatory process, comprehensively covering key aspects such as KYC and list alerts, ensuring the compliance and security of payments.

[0071] Especially in the prevention of telecom fraud, this invention employs advanced technologies such as AI face-swapping detection and liveness detection, and continuously updates the recognition model to improve the accuracy and timeliness of fraud detection. Simultaneously, the system supports unified and compliant data reporting, facilitating supervision and management by regulatory authorities.

[0072] This multi-layered compliance and risk control system not only enhances the security of the system, but also effectively reduces compliance and legal risks, providing a strong guarantee for the sustainable development of Metaverse Payment.

[0073] In summary, the Metaverse Payment System proposed in this invention has significant advantages over existing technologies. It not only improves the security and convenience of payments but also reduces platform access costs, enhances the user's immersive experience, and establishes a comprehensive compliance and risk control system, laying a solid foundation for the widespread application and sustainable development of Metaverse Payment. Attached Figure Description

[0074] The above-described features and advantages of the present invention will be better understood after reading the following detailed description of embodiments of the present disclosure in conjunction with the accompanying drawings. In the drawings, components are not necessarily drawn to scale, and components having similar related characteristics or features may have the same or similar reference numerals.

[0075] Figure 1 illustrates the various payment methods for transaction orders on the Metaverse platform.

[0076] Figure 2 shows a schematic diagram of an embodiment of the payment system of the present invention applied to the metaverse.

[0077] Figure 3 illustrates the reconciliation and settlement process in the metaverse scenario.

[0078] Figure 4 illustrates a schematic diagram of the compliance supervision process in the metaverse scenario. Detailed Implementation

[0079] The present invention will now be described in detail with reference to the accompanying drawings and specific embodiments. It should be noted that the aspects described below with reference to the accompanying drawings and specific embodiments are merely exemplary and should not be construed as limiting the scope of protection of the present invention in any way.

[0080] Figure 2 illustrates the principle of an embodiment of the payment system of the present invention applied to the metaverse, which is the overall framework of the system.

[0081] The system in this embodiment includes a user terminal, a metaverse platform, a payment service subsystem, and a CA certificate authority.

[0082] The user-side application includes an offline security module and a payment broadcast component.

[0083] The offline security module includes a private key storage unit. Users sign transactions using the private key stored in the unit and receive payment confirmation information through the payment broadcast component.

[0084] Payment Confirmation Component: Users can flexibly choose from various immersive payment methods based on different security and experience requirements. The system offers multiple options for payment confirmation announcements to strike a balance between cost and security. The payment confirmation component supports various formats, including SMS / email push notifications, WeChat official account push notifications, app push notifications, voice announcements, and on-screen display via the Metaverse plugin. These announcement methods can display payment results immersively within the Metaverse scenario or be sent via external channels, meeting users' requirements for real-time performance and security.

[0085] Metaverse Platform: Includes front-end service module, asynchronous processing service module, and SDK module.

[0086] The front-end service module receives signature information from the user and communicates with the payment service subsystem through the SDK (Software Development Kit) module to perform business processing and ensure transaction security.

[0087] The asynchronous processing service module is used to monitor and process asynchronous result feedback of payment requests to ensure the integrity of the payment process.

[0088] The SDK module is forcibly embedded into the Metaverse platform, acting as a bridge connecting the Metaverse platform and the payment service. The Metaverse platform must access the payment service through the built-in SDK interface to avoid communication channels without CA certification and eliminate the possibility of man-in-the-middle attacks.

[0089] Payment service subsystem: includes payment management module, risk control management module, channel management module and blockchain gateway.

[0090] The payment management module is used to generate transactions and process accounting entries.

[0091] The risk control management module monitors transactions in real time, analyzes potential risks, and triggers alarms or restricts transactions when risks are detected.

[0092] The channel management module manages the status of payment channels, transmits data from the Metaverse platform to the payment channels, and manages the status of each payment channel to achieve seamless switching.

[0093] A blockchain gateway is used to record transaction information on the blockchain and leverages the characteristics of smart contracts (a smart contract is an automatically executing code protocol deployed on the blockchain that triggers and executes transactions according to preset conditions, ensuring transparency and immutability) to achieve atomic settlement of virtual goods and user funds. Atomic settlement means that in blockchain transactions, the settlement process either succeeds completely or fails completely; there is no possibility of partial completion midway. Through smart contracts and decentralized mechanisms, it ensures that all terms of the transaction are executed simultaneously by both parties, or automatically rolled back if either party fails to fulfill its obligations, thus preventing unfairness or losses.

[0094] Certificate Authorities (CAs) provide certificate and authentication services, verify the identities of both parties in a transaction, and ensure secure communication. By authenticating user identities and payment server credentials, CAs can ensure the secure transmission of payment information between multiple parties, preventing man-in-the-middle attacks and data tampering.

[0095] The system operation flow shown in Figure 2 is as follows:

[0096] ① The user initiates and signs the transaction;

[0097] ② The front-end service module receives data and forwards it to the payment management module via the SDK. The payment service processes the transaction and uploads the data to the blockchain.

[0098] ③ The asynchronous processing service module provides feedback on the payment results;

[0099] ④ Users obtain payment information through the payment broadcast component.

[0100] Figure 1 mainly corresponds to process ② of the system embodiment in Figure 2. The Metaverse platform securely interacts with payment service providers through the SDK, while providing end users with two payment options (immersive payment and bridged payment).

[0101] Referring to Figure 1, the transaction orders on the Metaverse platform include payment collection services, a unified order SDK, immersive payment, and bridged payment.

[0102] Payment collection service: Responsible for receiving transaction orders from the Metaverse platform and passing them to the unified order SDK for processing.

[0103] Unified Order SDK: As a core component, it receives transaction orders from the payment service and interacts with immersive payment and bridged payment through the SDK to achieve unified management and scheduling of payment methods.

[0104] Immersive payments include universal USB security token payments, Bluetooth USB security token payments, biometric payments, and cold wallet app payments. These payment methods allow users to complete payments without leaving the metaverse environment, enhancing the user experience. Immersive payments receive payment requests via SDK and interact with the blockchain using smart contract standards, identity authentication standards, and privacy protection standards to ensure payment security and compliance. These payment methods integrate USB security tokens, Bluetooth protocols, and biometric verification, making the payment process seamless and consistent with the immersive experience of the metaverse, while relying on offline signatures and encrypted communication to protect privacy.

[0105] Bridged payments include mini-program payments, H5 payments, app payments, and quick payments. These payment methods are suitable for lightweight payment scenarios, reducing the integration cost for users. Bridged payments also receive payment requests through an SDK and interact with the blockchain to ensure payment security and compliance.

[0106] This payment solution relies on blockchain technology, combined with smart contracts, identity authentication, and data privacy protection standards, to provide secure, transparent, and efficient support for transactions within the metaverse environment. In terms of integration, merchants only need to develop systems based on pre-defined standard protocols to quickly connect to Metaverse Payment, reducing development costs and technical barriers. Standardized interfaces not only ensure payment compatibility and scalability but also simplify the integration process. Blockchain was chosen as the foundational technology for Metaverse Payment because it can record and protect ownership in the virtual world through a decentralized mechanism. This not only solves the trust and security issues of traditional payment systems but also binds the scarcity of virtual assets to their real value, providing users with actual ownership protection for their digital assets.

[0107] Figure 3 corresponds to the payment management module in the system embodiment shown in Figure 2. For the Metaverse platform, the ultimate goal of payment is to recover funds for secondary production; therefore, the system provides a reconciliation and settlement system that meets the needs of all parties in the Metaverse.

[0108] Referring to Figure 3, the reconciliation and settlement process of the Metaverse Payment System includes the following.

[0109] Step 1: Reconciliation file storage service: Stores multi-source data such as orders, payments, coupons, marketing, and settlements.

[0110] Step 2: ETL / Resolution Service: This step cleanses, transforms, and standardizes the stored data to form a data foundation usable for reconciliation, and stores it in layers, including a data standard layer, a detailed data layer, a summary data layer, and a data mart layer. For immersive payment scenarios, the accounting information is stored on the blockchain. Here, ETL refers to "Extract," "Transform," and "Load."

[0111] Among them, the data standard layer: standardizes the data to ensure data consistency;

[0112] Detailed data layer: Stores detailed transaction data for easy reconciliation;

[0113] Summary data layer: Summarizes detailed data to generate reconciliation results;

[0114] Data mart layer: Provides query and analysis functions for reconciliation data.

[0115] Step 3: T+1 / T+2 Data Reconciliation: Real-time monitoring of transaction data is achieved through blockchain Watch Nodes (a dedicated node for real-time monitoring of blockchain transaction data, helping to record and verify on-chain activities). The system automatically compares on-chain transaction data with internal platform data to achieve reconciliation under T+1 / T+2 mode. If abnormal data is found, the system will generate a discrepancy report and submit it to the manual processing layer for review.

[0116] Step 4: After confirming that the reconciliation results are correct, generate the reconciliation results, generate settlement instructions based on the T+2 period and the calculated retention funds, and perform settlement and reconciliation. The settlement and reconciliation process also includes manual discrepancy processing.

[0117] Figure 4 corresponds to the risk management module in the system embodiment shown in Figure 2. It focuses on risk management from external requirements, implementing a multi-layered compliance and regulatory process. As shown in Figure 4,

[0118] First, customer information is collected and rated through the KYC module (KYC stands for Know Your Customer, a customer identity verification process in financial and payment systems used to collect and verify user information to assess their risk level). In this embodiment, the KYC module classifies and screens customers according to predetermined standards, but some low-risk users may be subjected to excessive verification processes. Risk-based management can be introduced into the KYC process to simplify verification for low-risk users while imposing stricter scrutiny and monitoring on high-risk users.

[0119] Then, the system issues alerts by checking if the user is on the alert list.

[0120] Next, identify potentially high-risk behaviors. Identification primarily relies on pre-set rules and a database of lists, heavily tied to industry experience; these are mainly fixed rules. Machine learning models can also be introduced to perform deep learning and dynamic analysis of transaction data, automatically updating the rule base and lists based on the latest risk trends.

[0121] Next, intent verification is performed: an identity verification process to confirm the user's true intent, ensuring that the user makes transactions or authorizations knowingly and voluntarily, preventing fraud and misoperation. In this embodiment, some intent verification requires manual intervention. Automation tools can be added, utilizing NLP (Natural Language Processing) technology to handle some intent verification, thereby reducing the frequency and time of manual intervention.

[0122] Finally, if suspicious transactions are detected, alerts will be triggered based on the entity and transaction rules, including entity alerts, regional alerts, account opening alerts, and transaction alerts. This includes manual processing: detected suspicious transactions will be manually reviewed, and the results will be entered into the database and reported to regulatory agencies. Simultaneously, data collection / sample sharing will be completed: key risk event data will be collected and shared based on strict data compliance requirements for further analysis by Metaverse's business compliance regulators.

[0123] During the early warning process, for example, by deeply mining abnormal facial data, intelligently generating AI face-swapping features, and automatically updating the liveness detection model, watermark attacks and synthetic attacks can be effectively prevented.

[0124] Although the methods described above are illustrated and depicted as a series of actions for the sake of simplicity, it should be understood and appreciated that these methods are not limited by the order of the actions, as some actions may occur in a different order and / or concurrently with other actions from the illustrations and descriptions herein or not illustrated and described herein but which may be understood by those skilled in the art, according to one or more embodiments.

[0125] Those skilled in the art will further appreciate that the various illustrative logic blocks, modules, circuits, and algorithm steps described in conjunction with the embodiments disclosed herein can be implemented as electronic hardware, computer software, or a combination of both. To clearly illustrate this interchangeability between hardware and software, the various illustrative components, blocks, modules, circuits, and steps are described above in a generalized manner in terms of their functionality. Whether such functionality is implemented as hardware or software depends on the specific application and the design constraints imposed on the overall system. Those skilled in the art may implement the described functionality in different ways for each specific application, but such implementation decisions should not be construed as departing from the scope of the invention.

[0126] The various illustrative logic blocks, modules, and circuits described in conjunction with the embodiments disclosed herein can be implemented or performed using a general-purpose processor, a digital signal processor (DSP), an application-specific integrated circuit (ASIC), a field-programmable gate array (FPGA) or other programmable logic device, discrete gate or transistor logic, discrete hardware components, or any combination thereof designed to perform the functions described herein. The general-purpose processor may be a microprocessor, but in alternatives, it may be any conventional processor, controller, microcontroller, or state machine. The processor may also be implemented as a combination of computing devices, such as a combination of a DSP and a microprocessor, multiple microprocessors, one or more microprocessors cooperating with a DSP core, or any other such configuration.

[0127] The steps of the methods or algorithms described in conjunction with the embodiments disclosed herein may be embodied directly in hardware, in a software module executed by a processor, or in a combination of both. The software module may reside in RAM memory, flash memory, ROM memory, EPROM memory, EEPROM memory, registers, hard disk, removable disk, CD-ROM, or any other form of storage medium known in the art. An exemplary storage medium is coupled to a processor such that the processor can read and write information to / from the storage medium. In an alternative, the storage medium may be integrated into the processor. The processor and storage medium may reside in an ASIC. The ASIC may reside in a user terminal. In an alternative, the processor and storage medium may reside as discrete components in the user terminal.

[0128] In one or more exemplary embodiments, the described functionality may be implemented in hardware, software, firmware, or any combination thereof. If implemented in software as a computer program product, the functionality may be stored or transmitted as one or more instructions or code on or through a computer-readable medium. A computer-readable medium includes both computer storage media and communication media, encompassing any medium that facilitates the transfer of a computer program from one location to another. A storage medium may be any available medium accessible to a computer. By way of example and not limitation, such a computer-readable medium may include RAM, ROM, EEPROM, CD-ROM or other optical disc storage, disk storage or other magnetic storage devices, or any other medium that can be used to carry or store desired program code in the form of instructions or data structures and is accessible to a computer. Any connection is also legitimately referred to as a computer-readable medium. For example, if the software is transmitted from a website, server, or other remote source using coaxial cable, fiber optic cable, twisted pair, digital subscriber line (DSL), or wireless technologies such as infrared, radio, and microwave, then the coaxial cable, fiber optic cable, twisted pair, DSL, or wireless technologies such as infrared, radio, and microwave are included in the definition of a medium. As used in this article, disk and disc include compact discs (CDs), laser discs, optical discs, digital multi-purpose discs (DVDs), floppy disks, and Blu-ray discs. Disks typically reproduce data magnetically, while discs reproduce data optically using lasers. Combinations of these should also be included within the scope of computer-readable media.

[0129] The prior description of this disclosure is provided to enable any person skilled in the art to make or use this disclosure. Various modifications to this disclosure will be apparent to those skilled in the art, and the general principles defined herein may be applied to other variations without departing from the spirit or scope of this disclosure. Therefore, this disclosure is not intended to be limited to the examples and designs described herein, but should be accorded the widest scope consistent with the principles and novel features disclosed herein.

Claims

1. A payment system applied to the metaverse, characterized in that, This includes the user interface, the metaverse platform, the payment service subsystem, and the CA certificate authority, among which: The user-side includes an offline security module and a payment broadcast component, among which: The offline security module includes a private key storage unit, where users sign transactions using the private key stored in the unit and receive payment confirmation information through the payment broadcast component. The payment announcement component allows users to choose from a variety of immersive payment methods; The Metaverse platform includes a front-end service module, an asynchronous processing service module, and an SDK module, among which: The front-end service module is used to receive signature information from the user and communicate with the payment service subsystem through the SDK module to perform business processing and ensure transaction security. The asynchronous processing service module is used to monitor and process asynchronous result feedback of payment requests to ensure the integrity of the payment process; The SDK module is embedded into the Metaverse platform to connect the Metaverse platform and payment services; The payment service subsystem includes a payment management module, a risk control management module, a channel management module, and a blockchain gateway, among which: The payment management module is used to generate transactions and process accounting entries. The risk control management module monitors transactions in real time, analyzes potential risks, and triggers alarms or restricts transactions when risks are detected. The channel management module manages the status of payment channels, transmits data from the Metaverse platform to the payment channels, and manages the status of each payment channel to achieve seamless switching. A blockchain gateway is used to put transaction information on the blockchain and use smart contracts to achieve atomic settlement of virtual goods and user funds. Certificate Authorities (CAs) are used to provide certificate and authentication services, verify the identities of both parties in a transaction, and ensure secure communication.

2. The payment system applied to the metaverse according to claim 1, characterized in that, The payment announcement component supports multiple forms of payment confirmation announcements, including SMS / email push notifications, WeChat official account push notifications, APP push notifications, voice announcements, and screen display via the Metaverse plugin.

3. The payment system applied to the metaverse according to claim 1, characterized in that, The system operates through the following process: ① The user initiates and signs the transaction; ② The front-end service module receives data and forwards it to the payment management module via the SDK. The payment service processes the transaction and uploads the data to the blockchain. ③ The asynchronous processing service module provides feedback on the payment results; ④ Users obtain payment information through the payment broadcast component.

4. The payment system applied to the metaverse according to claim 1, characterized in that, In step ②, the Metaverse platform securely interacts with the payment service provider through the SDK, while providing end users with two payment options: immersive payment and bridged payment. Step ② further includes: Payment collection service: Receives transaction orders from the Metaverse platform and passes them to the unified order SDK for processing; Unified Order SDK: As a core component, it receives transaction orders from the payment service and interacts with immersive payment and bridged payment through the SDK to achieve unified management and scheduling of payment methods; Immersive payment: This includes universal U-shield payment, Bluetooth U-shield payment, biometric payment, and cold wallet APP payment. Immersive payment receives payment requests through the SDK and interacts with the blockchain using smart contract standards, identity authentication standards, and privacy protection standards to ensure the security and compliance of payments. Bridged payment: This includes mini-program payment, H5 payment, APP payment, and quick payment. These payment methods are suitable for lightweight payment scenarios. Bridged payment receives payment requests through the SDK and interacts with the blockchain to ensure the security and compliance of payments.

5. The payment system applied to the metaverse according to claim 1, characterized in that, The payment management module further configures the following reconciliation and settlement processes: Step 1: Reconciliation file storage service: Stores multi-source data including orders, payments, coupons, marketing, and settlements; Step 2: ETL / Resolution Service: Cleans, transforms, and standardizes the stored data to form a data foundation that can be used for reconciliation and stores it in layers, including a data standard layer, a detailed data layer, a summary data layer, and a data mart layer. The data standard layer standardizes the data to ensure data consistency. The detailed data layer stores detailed transaction data to facilitate reconciliation. The summary data layer summarizes the detailed data to form reconciliation results. The data mart layer provides query and analysis functions for reconciliation data. Step 3: Data verification: Real-time monitoring of transaction data through blockchain observation nodes to perform reconciliation operations. If abnormal data is found, a discrepancy report is generated and submitted to the manual processing layer for review. Step 4: After confirming that the reconciliation results are correct, generate the reconciliation results and perform settlement and reconciliation. The settlement and reconciliation process also includes manual discrepancy processing.

6. The payment system applied to the metaverse according to claim 1, characterized in that, The risk management module further configures the following compliance and regulatory processes: First, customer information is collected and customer ratings are conducted through the KYC module to assess their risk level. Then, the system issues a warning: it checks whether the user is on the warning list; Next, identify potentially high-risk behaviors; Next, conduct intent verification: an identity verification process to confirm the user's true intent, ensuring that the user makes a transaction or authorizes the transaction with full knowledge and consent; Finally, if a suspicious transaction is detected, an alert will be triggered based on the entity and transaction rules: including entity alert, region alert, account opening alert, and transaction alert.

7. The payment system applied to the metaverse according to claim 6, characterized in that, The final step of detecting suspicious transactions includes manual processing: manually reviewing detected suspicious transactions, recording the results, and reporting them to regulatory agencies; and simultaneously completing data collection / sample sharing: collecting and sharing key risk event data based on strict data compliance requirements for further analysis by Metaverse's business compliance regulators.

8. The payment system applied to the metaverse according to claim 7, characterized in that, The early warning process also includes in-depth mining of abnormal facial data, intelligent generation of AI face-swapping features, and automatic updating of the liveness detection model to prevent watermark attacks and synthetic attacks.

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