WO2019195974A1 - 一种基于银行卡收单机构实现数字化资产的即时结算方法 - Google Patents

一种基于银行卡收单机构实现数字化资产的即时结算方法 Download PDF

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WO2019195974A1
WO2019195974A1 PCT/CN2018/082264 CN2018082264W WO2019195974A1 WO 2019195974 A1 WO2019195974 A1 WO 2019195974A1 CN 2018082264 W CN2018082264 W CN 2018082264W WO 2019195974 A1 WO2019195974 A1 WO 2019195974A1
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account
bank card
digital asset
digital
payment
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PCT/CN2018/082264
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English (en)
French (fr)
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熊强
杨坚
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深圳市淘淘谷信息技术有限公司
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Priority to PCT/CN2018/082264 priority Critical patent/WO2019195974A1/zh
Priority to CN201880093123.0A priority patent/CN112106090A/zh
Publication of WO2019195974A1 publication Critical patent/WO2019195974A1/zh

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes

Definitions

  • the invention relates to the field of electronic payment, in particular to an instant settlement method for realizing digital assets based on a bank card acquiring institution.
  • the present invention discloses an instant settlement method for realizing digital assets based on a bank card acquiring institution.
  • the technical solution adopted by the present invention for achieving the object of the invention is: an instant settlement method for realizing digital assets based on a bank card acquiring institution, the method is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and The consumer request input device, after the binding of the digital asset account and the bank card, when the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform, the single institution uses the digital asset account bound by the bank card, To achieve instant settlement of digital assets, the method is implemented by the following steps:
  • Step 1 Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
  • Step 2 When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
  • Step 3 The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset.
  • Step 4 The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
  • the invention has the beneficial effects that the acquiring institution realizes the instant settlement of the digitized assets through the digital asset account bound by the bank card, conveniently and quickly manages the digital (currency) assets and uses the digitized (currency) assets for real-time payment.
  • Figure 1 is a flow chart of the present invention.
  • a method for realizing settlement of digital assets based on a bank card acquiring institution is based on a multi-account payment management system, a bank card account management payment system, a digital asset account management payment system, and a consumption request input device, which are digitized.
  • the asset account is bound to the bank card
  • the bank card initiates a transaction request to the acquirer through the consumer request input device through the merchant transaction platform
  • the acquirer realizes the instant settlement of the digital asset through the digital asset account bound by the bank card.
  • the method is implemented by the following steps:
  • Step 1 Add the digital asset income and expenditure list and the authorized information of the digital asset account in the bank card account, and the bank card account management payment system and the digital asset account management payment system authorize the multi-account payment management system to manage the account;
  • Step 2 When the bank card holder initiates a consumption request from the consumption request input device to the multi-account payment management system, the multi-account payment management system sends the current consumption confirmation information to the consumption request input device, and the bank card cardholder confirms the current consumption. Pay for bank card accounts or digital asset accounts;
  • Step 3 The bank card holder confirms that the purchase is for the bank card account, and the multi-account payment management system transfers the current purchase request directly to the bank card account management payment system, and the bank card holder confirms that the consumption is a digital asset.
  • Step 4 The multi-account payment management system transfers the current consumption request directly to the digital asset account management payment system, and the digital asset account management payment system bank card account authorization information of the digital asset account is transferred to the digital asset transaction center/digital wallet To issue a transaction request, the digital asset trading center will realize the payment of the equivalent digital assets according to the trading rules and the real-time price, and then pay or digitize the asset trading center/digital wallet to pay the equivalent digital assets.
  • the digitized asset account management payment system in step 1 is a bitcoin digital asset account management payment system.
  • the digitized asset account management payment system in step 1 is a stock digital asset account management payment system.
  • the digitized asset account management payment system in step 1 is a futures digital asset account management payment system.
  • the digitized asset account management payment system in step 1 is a digital asset account management payment system for consumption points.
  • the consumption request input device in step 1 is: a contact card swiping device or an online APP.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

一种基于银行卡收单机构实现数字化资产的即时结算方法，解决方便、快捷对数字化(货币)资产进行管理及使用实时支付的技术技术问题，采用的方法是：1.授权多账户支付管理***对其进行账户管理；2.银行卡向多账户支付管理***发起消费请求时，确认本次消费为银行卡账户支付或数字化资产账户支付；3.消费为数字化资产账户支付4；多账户支付管理***将本次消费请求直接转入数字化资产账户支付管理支付***，有益效果是，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，方便、快捷对数字化(货币)资产进行管理及使用数字化(货币)资产进行实时支付。

Description

一种基于银行卡收单机构实现数字化资产的即时结算方法 技术领域
本发明涉及一种电子支付领域，特别是一种基于银行卡收单机构实现数字化资产的即时结算方法。
背景技术
随着金融业的全面发展，多少人拥有法定货币及有价的数字化(货币)资产，特别是有价的数字化(货币)资产成为人们投资的热点，特别是有价的数字化(货币)资产，如期货、股票、各种商家的积分等，数字化(货币)资产的共同特点是，价值与时间密切关联，而且无法作为货币流通和实时方便交易。
人们在以银行账户为基础上，如何方便、快捷对数字化(货币)资产进行管理及使用数字化(货币)资产进行实时支付现有技术中还无法实现，人们只能在各***中，单独进行交易、相互转账，现有技术的缺点是，操作麻烦、管理困难、特别是无法满足支付(交易)快捷的时间要求。
发明内容
为克服现有技存在的上述技术不足，本发明公开一种基于银行卡收单机构实现数字化资产的即时结算方法。
本发明实现发明目的采用的技术方案是：一种基于银行卡收单机构实现数字化资产的即时结算方法，该方法基于多账户支付管理***、银行卡账户管理支付***、数字化资产账户管理支付***和消费请求输入设备，在数字化资产账户与银行卡的绑定后，银行卡在通过商户交易平台经消费请求输入设备向收单机构发起交易请求时，单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，该方法由以下步骤实现：
步骤1.在银行卡账户中增设数字化资产收支列表及数字化资产账户的授权的关联信息，银行卡账户管理支付***和数字化资产账户管理支付***授权多账户支付管理***对其进行账户管理；
步骤2.银行卡持卡人由消费请求输入设备向多账户支付管理***发起消费请求时，多账户支付管理***向消费请求输入设备发送本次消费确认信息，银行卡持卡人确认本次消费为银行卡账户支付或数字化资产账户支付；
步骤3.银行卡持卡人确认本次消费为银行卡账户支付，多账户支付管理***将本次消费请求直接转入银行卡账户管理支付***，银行卡持卡人确认本次消费为数字化资产账户支付转步 骤4；
[根据细则91更正 06.08.2019]　
步骤4.多账户支付管理***将本次消费请求直接转入数字化资产账户管理支付***，数字化资产账户管理支付***银行卡账户中数字化资产账户的授权的关联信息，向数字化资产交易中心/数字钱包发出交易请求，数字化资产交易中心按交易规则及实时牌价将等价数字化资产变现后支付或数字化资产交易中心/数字钱包以等价数字化资产支付。
本发明的有益效果是，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，方便、快捷对数字化(货币)资产进行管理及使用数字化(货币)资产进行实时支付。
下面结合附图对本发明进行详细描述。
附图说明
附图1为本发明流程图。
具体实施方式
参看附图，一种基于银行卡收单机构实现数字化资产的即时结算方法，该方法基于多账户支付管理***、银行卡账户管理支付***、数字化资产账户管理支付***和消费请求输入设备，在数字化资产账户与银行卡的绑定后，银行卡在通过商户交易平台经消费请求输入设备向收单机构发起交易请求时，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，该方法由以下步骤实现：
步骤1.在银行卡账户中增设数字化资产收支列表及数字化资产账户的授权的关联信息，银行卡账户管理支付***和数字化资产账户管理支付***授权多账户支付管理***对其进行账户管理；
步骤2.银行卡持卡人由消费请求输入设备向多账户支付管理***发起消费请求时，多账户支付管理***向消费请求输入设备发送本次消费确认信息，银行卡持卡人确认本次消费为银行卡账户支付或数字化资产账户支付；
步骤3.银行卡持卡人确认本次消费为银行卡账户支付，多账户支付管理***将本次消费请求直接转入银行卡账户管理支付***，银行卡持卡人确认本次消费为数字化资产账户支付转步骤4；
[根据细则91更正 06.08.2019]　
步骤4.多账户支付管理***将本次消费请求直接转入数字化资产账户管理支付***，数字化资产账户管理支付***银行卡账户中数字化资产账户的授权的关联信息，向数字化资产交易中心/数字钱包发出交易请求，数字化资产交易中心按交易规则及实时牌价将等价数字化资产变现后支付或数字化资产交易中心/数字钱包以等价数字化资产支付。
本发明实施例中，步骤1中数字化资产账户管理支付***，为比特币数字化资产账户管理支付***。
本发明实施例中，步骤1中数字化资产账户管理支付***，为股票数字化资产账户管理支付***。
本发明实施例中，步骤1中数字化资产账户管理支付***，为期货数字化资产账户管理支付***。
本发明实施例中，步骤1中数字化资产账户管理支付***，为消费积分的数字化资产账户管理支付***。
本发明实施例中，步骤1中消费请求输入设备为：接触式刷卡设备或线上APP。

Claims (6)

  1. [根据细则91更正 06.08.2019]
    一种基于银行卡收单机构实现数字化资产的即时结算方法，该方法基于多账户支付管理***、银行卡账户管理支付***、数字化资产账户管理支付***和消费请求输入设备，在数字化资产账户与银行卡的绑定后，银行卡在通过商户交易平台经消费请求输入设备向收单机构发起交易请求时，收单机构通过银行卡绑定的数字化资产账户，实现数字化资产的即时结算，其特征在于：该方法由以下步骤实现：
    步骤1.在银行卡账户中增设数字化资产收支列表及数字化资产账户的授权的关联信息，银行卡账户管理支付***和数字化资产账户管理支付***授权多账户支付管理***对其进行账户管理；
    步骤2.银行卡持卡人由消费请求输入设备向多账户支付管理***发起消费请求时，多账户支付管理***向消费请求输入设备发送本次消费确认信息，银行卡持卡人确认本次消费为银行卡账户支付或数字化资产账户支付；
    步骤3.银行卡持卡人确认本次消费为银行卡账户支付，多账户支付管理***将本次消费请求直接转入银行卡账户管理支付***，银行卡持卡人确认本次消费为数字化资产账户支付转步骤4；
    步骤4.多账户支付管理***将本次消费请求直接转入数字化资产账户管理支付***，数字化资产账户管理支付***银行卡账户中数字化资产账户的授权的关联信息，向数字化资产交易中心/数字钱包发出交易请求，数字化资产交易中心按交易规则及实时牌价将等价数字化资产变现后支付或数字化资产交易中心/数字钱包以等价数字化资产支付。
  2. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付***，为比特币数字化资产账户管理支付***。
  3. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付***，为股票数字化资产账户管理支付***。
  4. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付***，为期货数字化资产账户管理支付***。
  5. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中数字化资产账户管理支付***，为消费积分的数字化资产账户管理支付***。
  6. 根据权利要求1所述的一种基于银行卡收单机构实现数字化资产的即时结算方法，其特征在于：步骤1中消费请求输入设备为：接触式刷卡设备或线上APP。
PCT/CN2018/082264 2018-04-09 2018-04-09 一种基于银行卡收单机构实现数字化资产的即时结算方法 WO2019195974A1 (zh)

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* Cited by examiner, † Cited by third party
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US20140040099A1 (en) * 2012-08-06 2014-02-06 The Keitz Group LLC Online stock payment system
CN106297087A (zh) * 2015-05-11 2017-01-04 深圳市前海大通宝电子支付有限公司 一种o2o商业平台装置
CN106803176A (zh) * 2011-05-31 2017-06-06 黑鹰网络股份有限公司 用于通过电子钱包支付的***
CN107851255A (zh) * 2015-05-05 2018-03-27 万事达卡国际股份有限公司 用于实现直接电子支付转账的***、方法、设备和计算机可读介质

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Publication number Priority date Publication date Assignee Title
CN103413216B (zh) * 2013-05-16 2018-02-09 深圳市淘淘谷信息技术有限公司 一种多账户管理支付方法

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN106803176A (zh) * 2011-05-31 2017-06-06 黑鹰网络股份有限公司 用于通过电子钱包支付的***
US20140040099A1 (en) * 2012-08-06 2014-02-06 The Keitz Group LLC Online stock payment system
CN107851255A (zh) * 2015-05-05 2018-03-27 万事达卡国际股份有限公司 用于实现直接电子支付转账的***、方法、设备和计算机可读介质
CN106297087A (zh) * 2015-05-11 2017-01-04 深圳市前海大通宝电子支付有限公司 一种o2o商业平台装置

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