Note: Claims are shown in the official language in which they were submitted.
Claims:
1. An online electronic currency payment verification method, comprising:
sending an authenticity verification request on electronic currency of an
online payment
transaction to a payee terminal, when receiving a payment request in the form
of an
electronic currency settlement of the online payment transaction from a payer
terminal,
wherein the electronic currency exists only electronically, and wherein the
electronic
currency comprises a payment amount of the electronic currency that is
equivalent to a
payment amount of funds;
performing authenticity verification on the electronic currency of the online
payment
transaction according to an electronic currency verification rule when
receiving
confirmation information of the authenticity verification request for the
online payment
transaction sent by the payee terminal, comprising:
extracting first payment verification information from the electronic
currency,
wherein the first payment verification information comprises first account
information and an encryption key used for secure payment;
searching a database for second payment verification information pre-reserved
by a
payer of the electronic currency, wherein the second payment verification
information comprises second account information and a decryption code for
solving
the encryption key; and
comparing the first payment verification information with the second payment
verification information to determine whether the first payment verification
information matches the second payment verification information;
determining whether the electronic currency of the online payment transaction
passes the
authenticity verification; and
if the electronic currency of the online payment transaction passes the
authenticity
verification:
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searching for a bank account of a payer bank corresponding to the electronic
currency
settlement of the online payment transaction and a payer bank server
corresponding to the
bank account of the payer bank, to deliver the payment amount of the
electronic currency
and information of a bank account of a payee bank to the payer bank server;
and
submitting a transfer request to instruct the payer bank server to transfer
the payment
amount of funds to the bank account of the payee bank through a payee bank
server for
completing the online payment transaction.
2. The method of claims 1, further comprising storing the first payment
verification information
for the authenticity verification, wherein the first payment verification
information is pre-
reserved by a payer.
3. The method of claims 1, further comprising transmitting the authenticity
verification request
to the payee terminal upon receipt of the payment request submitted by the
payer terminal to
the payee terminal.
4. The method of any one of claims 1 to 3, wherein determining whether the
electronic currency
of the online payment transaction passes the authenticity verification
comprises:
determining whether the first payment verification information completely
matches the
second payment verification information;
determining the electronic currency to be valid, payable, and settled in the
online
payment transaction; and
delivering prompt information to the payer terminal and the payee terminal
that the
authenticity verification is passed or failed according to whether the first
payment
verification information does or does not completely match the second payment
verification information, respectively.
5. The method of claim 4, wherein determining whether the electronic currency
of the online
payment transaction passes the authenticity verification further comprises:
recording an electronic currency authenticity verification failure;
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determining whether a number of authenticity verification failures recorded
involving the
payer exceeds an upper limit of failed authenticity verifications; and
if the number of authenticity verification failures recorded involving the
payer exceeds the upper
limit of failed authenticity verifications, reducing a payment credit grade of
the payer.
6. The method of any one of claim 1 to 5, wherein the first payment
verification information
comprises first account information and an encryption key used for secure
payment.
7. The method of any one of claim 1 to 6, wherein the second payment
verification information
comprises second account information and a decryption code for solving the
encryption key.
8. The method of any one of claims 1 to 7, wherein the payer terminal is a
desktop computer.
9. The method of any one of claims 1 to 7, wherein the payer terminal is a
laptop.
10. The method of any one of claims 1 to 7, wherein the payer terminal is a
smartphone.
11. The method of any one of claims 1 to 7, wherein the payee terminal is a
desktop computer.
12. The method of any one of claims 1 to 7, wherein the payee terminal is a
laptop.
13. The method of any one of claims 1 to 7, wherein the payee terminal is a
smartphone.
14. The method of any one of claims 1 to 13, wherein an electronic currency
verification center
communicates with the payee terminal equipment and the payer terminal
equipment over a
wireless network.
15. The method of claim 14, wherein the electronic currency verification
center is an
authenticated server.
16. The method of any one of claims 14 to 15, wherein the electronic currency
verification center
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is authorized by major banks and is configured to communicate with major
banks.
17. An online electronic currency payment verification system, comprising:
a payer terminal, configured to:
submit a payment request for an electronic currency settlement of
electronic currency of an online payment transaction, wherein the
electronic currency exists only electronically, wherein the electronic
currency comprises a payment amount of the electronic currency
equivalent to a payment amount of funds;
a payee terminal, configured to:
deliver confirmation information of an authenticity verification
request to an electronic currency verification center when receiving
the authenticity verification request on the electronic currency of the
online payment transaction sent by the electronic currency
verification center;
the electronic currency verification center, configured to:
send the authenticity verification request on the electronic currency
of the online payment transaction to the payee terminal when
receiving the payment request;
receive the confirmation information of the authenticity verification
request for the online payment transaction sent by the payee
terminal; and
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
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currency, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
searching for a bank account of a payer bank corresponding to the electronic
currency
settlement of the electronic currency of the online payment transaction and a
payer bank
server corresponding to the bank account of the payer bank, to deliver the
payment
amount of the electronic currency and information of a bank account of a payee
bank to
the payer bank server; and
submitting a transfer request to instruct the payer bank server to transfer
the payment
amount of funds to the bank account of the payee bank through a payee bank
server for
completing the online payment transaction;
a plurality of bank servers, configured to:
transfer the payment amount of funds from the bank account of the
payer bank to the bank account of the payee bank;
wherein the electronic currency verification center is communicatively
connected to the
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payer terminal and the payee terminal; and
wherein the electronic currency verification center is communicatively
connected to the
payer bank server and the payee bank server.
18. The system of claim 17, wherein, if the electronic currency of the online
payment transaction
fails to pass the authenticity verification, causing an electronic currency
authenticity
verification failure, the electronic currency verification center is further
configured to:
determine the electronic currency of the online payment transaction to be
invalid,
unpayable, and unsettled in the online payment transaction; and
deliver prompt information to the payer terminal and the payee terminal that
the
authenticity verification is failed.
19. The system of claim 18, wherein the electronic currency verification
center is further
configured to:
record each electronic currency authenticity verification failure;
determine whether a number of authenticity verification failures recorded
involving the
payer exceeds an upper limit of failed authenticity verifications; and
if the number of authenticity verification failures recorded involving the
payer exceeds
the upper limit of failed authenticity verifications, reduce a payment credit
grade of the
payer.
20. The system of claim 17, wherein the first payment verification information
comprises first
account information and an encryption key used for secure payment.
21. The system of claim 17, wherein the second payment verification
information comprises
second account information and a decryption code for solving the encryption
key.
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22. The system of claim 17, wherein the payer terminal is a desktop computer.
23. The system of claim 17, wherein the payer terminal is a laptop.
24. The system of claim 17, wherein the payer terminal is a smartphone.
25. The system of claim 17, wherein the payee terminal is a desktop computer.
26. The system of claim 17, wherein the payee terminal is a laptop.
27. The system of claim 17, wherein the payee terminal is a smartphone.
28. The system of any one of claims 17 to 27, wherein the electronic currency
verification center
communicates with the payee terminal and the payer terminal over a wireless
network.
29. The system of any one of claims 17 to 28, wherein the electronic currency
verification center
is an authenticated server.
30. The system of any one of claims 17 to 29, wherein the electronic currency
verification center
is authorized by major banks and can be communicated with major banks.
31. An electronic currency verification center for electronic currency
payments, comprising:
a database, configured to:
store second payment verification information that is pre-reserved
by a customer for online payment verification;
an electronic currency verification module, configured to:
perform authenticity verification on the electronic currency of the
online payment transaction according to an electronic currency
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verification rule when receiving confirmation information of the
authenticity verification request for the online payment transaction
sent by a payee terminal, wherein authenticity verification further
comprises:
extracting first payment verification information comprised in the
electronic currency, wherein the first payment verification
infomiation comprises first account information and an encryption
key used for secure payment;
reading second payment verification information stored in the
database, wherein the second payment verification information
comprises second account information and a decryption code for
solving the encryption key; and
comparing the second payment verification information with the
first payment verification information to check whether the first
payment verification information matches the second payment
verification information;
generating prompt information for cancelling the electronic currency
verification operation when receiving rejection information of the
authenticity verification request from the payee terminal according
to the payment request; and
delivering the prompt information to a payer terminal and the payee
terminal;
a communication module, configured to:
send an authenticity verification request on electronic currency of an
online payment transaction to a payee terminal, when receiving a
Date Recue/Date Received 2022-06-07
payment request in the form of an electronic currency settlement of
the online payment transaction from a payer terminal, wherein the
electronic currency exists only electronically, and the electronic
currency comprises a payment amount of the electronic currency
equivalent to a payment amount of funds;
receive confirmation/rejection information of the authenticity
verification request from the payee terminal according to the
payment request; and
enter the confirmation/rejection information of the authenticity
verification request into the electronic currency verification module;
an electronic currency verification result recording module, configured to:
record an authenticity verification result in the database;
wherein if the electronic currency of the online payment transaction passes
the
authenticity verification, the electronic currency verification center is
further configured
to:
search for a bank account of a payer bank corresponding to the
electronic currency settlement of the online payment transaction and
a payer bank server corresponding to the bank account of the payer
bank, to deliver the payment amount of the electronic currency and
information of a bank account of a payee bank to the payer bank
server and deliver the electronic currency to a bank server; and
submit a transfer request to instruct the payer bank server to transfer
the payment amount of funds to the bank account of the payee bank
through a payee bank server for completing the online payment
transaction.
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32. The electronic currency verification center of claim 31, wherein the
electronic currency
verification module further comprises an electronic currency verification
information
extraction unit.
33. The electronic currency verification center of any one of claims 31 to 32,
wherein the
electronic currency verification module further comprises an electronic
currency verification
information comparison unit.
34. The electronic currency verification center of any one of claims 31 to 33,
wherein the
electronic currency verification information comparison unit is configured to:
read second payment verification information stored in the database;
compare the second payment verification information with the first payment
verification
information;
generate prompt information indicating that the authenticity verification is
successful if
the first payment verification information and the second payment verification
information completely match each other;
generate prompt information indicating that the authenticity verification
failed if the first
payment verification information and the second payment verification
information do not
completely match each other; and
deliver the prompt information to the communication module.
35. The electronic currency verification center of claim 34, wherein the first
payment verification
information comprises first account information and an encryption key used for
secure
payment.
36. The electronic currency verification center of claim 34, wherein the
second payment
verification information comprises second account information and a decryption
code for
solving the encryption key.
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37. The electronic currency verification center of claim 34, wherein the
communication module
is further configured to forward the prompt information to the payee terminal
and the payer
terminal.
38. The electronic currency verification center of any one of claims 31 to 37,
wherein the
electronic currency verification center is communicatively connected to the
payer terminal
and the payee terminal.
39. The electronic currency verification center of any one of claims 31 to 38,
wherein the
electronic currency verification center is communicatively connected to a
plurality of bank
servers.
40. The electronic currency verification center of any one of claims 31 to 39,
wherein the
electronic currency verification center is authorized by major banks and can
be
communicated with major banks.
41. The electronic currency verification center of any one of claims 31 to 40,
wherein the
electronic currency verification center communicates with the payee terminal
and the payer
terminal over a wireless network.
42. The electronic currency verification center of any one of claims 31 to 41,
wherein the
electronic currency verification center is an authenticated server.
43. The electronic currency verification center of any one of claims 31 to 42,
wherein the payer
terminal is a desktop computer.
44. The electronic currency verification center of any one of claims 31 to 42,
wherein the payer
terminal is a laptop.
45. The electronic currency verification center of any one of claims 31 to 42,
wherein the payer
terminal is a smai __ tphone.
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46. The electronic currency verification center of any one of claims 31 to 42,
wherein the payee
terminal is a desktop computer.
47. The electronic currency verification center of any one of claims 31 to 42,
wherein the payee
terminal is a laptop.
48. The electronic currency verification center of any one of claims 31 to 42,
wherein the payee
terminal is a smartphone.
49. A system for electronic currency payments, wherein the electronic currency
exists only
electronically, the system comprising:
a payer terminal comprising:
a computer-readable memory for storing processor-executable instructions;
a computer processor communicatively coupled with the memory, wherein upon
execution of the processor-executable instructions, the processor is
configured to:
receive a payment command;
submit a payment request in the form of an electronic currency
settlement of an online payment transaction to an electronic
currency verification center for performing authenticity verification
on the electronic currency of the online payment transaction
according to an electronic currency verification rule, to enable the
electronic currency verification center to perform authenticity
verification on the electronic currency of the online payment
transaction according to an electronic currency verification rule
when receiving confirmation information of an authenticity
verification request for the online payment transaction, and to
compare a second payment verification information with a first
payment verification information to check whether the first payment
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verification information matches the second payment verification
information for the authenticity verification;
receive prompt information indicating that the authenticity
verification is successful if the first payment verification
information and the second payment verification information
completely match each other determined by the electronic currency
verification center, to enable the electronic currency verification
center to search for a bank account of a payer bank corresponding to
the electronic currency settlement of the online payment transaction
and a payer bank server corresponding to the bank account of the
payer bank, to deliver the payment amount of the electronic
currency and information of a bank account of a payee bank to the
payer bank server; and
receive prompt information indicating that the authenticity
verification failed if the first payment verification information and
the second payment verification information do not completely
match each other as determined by the electronic currency
verification center, to enable the payer terminal to verify and modify
order information and payment amount of the online payment
transaction; and
the electronic currency verification center, configured to:
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
currency, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment;
Date Recue/Date Received 2022-06-07
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
searching for the bank account of the payer bank corresponding to the
electronic currency
settlement of the electronic currency of the online payment transaction and
the payer
bank server corresponding to the bank account of the payer bank, to deliver
the payment
amount of the electronic currency and information of the bank account of the
payee bank
to the payer bank server; and
submitting a transfer request to instruct the payer bank server to transfer
the payment
amount of funds to the bank account of the payee bank through a payee bank
server for
completing the online payment transaction;
wherein the payer terminal is communicatively connected to the electronic
currency
verification center, wherein the electronic currency verification center is
configured to
perform authenticity verification on the electronic currency of the online
payment
transaction according to an electronic currency verification rule when
receiving a
payment request sent by the payer terminal, wherein the electronic currency
exists only
electronically, and wherein the electronic currency comprises a payment amount
of the
electronic currency equivalent to the payment amount of funds.
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50. The system of claim 49, wherein the payer terminal is a desktop computer.
51. The system of claim 49, wherein the payer terminal is a laptop.
52. The system of claim 49, wherein the payer terminal is a smartphone.
53. The system of any one of claims 49 to 52, wherein the electronic currency
verification center
communicates with the payee terminal and the payer terminal over a wireless
network.
54. The system of any one of claims 49 to 53, wherein the electronic currency
verification center
is an authenticated server.
55. A system for electronic currency payments, wherein the electronic currency
exists only
electronically, the system comprising:
a payee terminal, comprising:
a computer-readable memory for storing processor-executable instructions;
a computer processor communicatively coupled to the memory, wherein upon
execution of the processor-executable instructions, the processor is
configured to:
deliver confirmation information of an authenticity verification
request to an electronic currency verification center according to a
payment request when receiving the authenticity verification request
from the electronic currency verification center, to enable the
electronic currency verification center to compare a second payment
verification information with a first payment verification
information to check whether the first payment verification
information matches the second payment verification information
for the authenticity verification wherein the first payment
verification information comprises first account information and an
encryption key used for secure payment, wherein the second
payment verification information comprises second account
information and a decryption code for solving the encryption key ;
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Date Recue/Date Received 2022-06-07
receive prompt information indicating that the authenticity
verification is successful if the first payment verification
infomiation and the second payment verification information
completely match each other as determined by the electronic
currency verification center, to enable the electronic currency
verification center to search for a bank account of a payer bank
corresponding to electronic currency settlement of the online
payment transaction and a payer bank server corresponding to the
bank account of the payer bank, to deliver a payment amount of the
electronic currency and information of a bank account of a payee
bank to the payer bank server and deliver the electronic currency to
one of a plurality of bank servers, and instruct the payer bank server
to perform a transfer operation equal to the payment amount of the
electronic currency to the bank account of the payee bank through a
payee bank server for completing the online payment transaction;
and
receive prompt information indicating that the authenticity
verification failed if the first payment verification information and
the second payment verification information do not completely
match each other as determined by the electronic currency
verification center, to enable the payee terminal to verify and
modify order information and payment amount of the online
payment transaction; and
the electronic currency verification center, configured to:
send the authenticity verification request on the electronic currency
of the online payment transaction to the payee terminal when
receiving the payment request;
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receive the confirmation information of the authenticity verification
request for the online payment transaction sent by the payee
terminal; and
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
currency, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
searching for the bank account of the payer bank corresponding to the
electronic currency
settlement of the electronic currency of the online payment transaction and
the payer
bank server corresponding to the bank account of the payer bank, to deliver
the payment
amount of the electronic currency and information of the bank account of the
payee bank
to the payer bank server; and
submitting a transfer request to instruct the payer bank server to transfer
the payment
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amount of funds to the bank account of the payee bank through the payee bank
server for
completing the online payment transaction;
wherein the payee terminal is communicatively connected to the electronic
currency
verification center, wherein the electronic currency verification center is
configured to
perform authenticity verification on the electronic currency of an online
payment
transaction according to an electronic currency verification rule when
receiving the
confirmation information of the authenticity verification request sent by the
payee
terminal, wherein the electronic currency exists only electronically, and
wherein the
electronic currency comprises a payment amount of the electronic currency
equivalent to
the payment amount of funds.
56. The system of claim 55, wherein the payee terminal is a desktop computer.
57. The system of claim 55, wherein the payee terminal is a laptop.
58. The system of claim 55, wherein the payee terminal is a smailphone.
59. The system of claim 55, wherein the electronic currency verification
center communicates
with the payee terminal and a payer terminal over a wireless network.
60. The system of claim 55, wherein the electronic currency verification
center is an
authenticated server.
61. A system for electronic currency payments, wherein the electronic currency
exists only
electronically, the servers comprising:
a payer bank server, configured to:
receive a payment amount of an electronic currency and information
of a bank account of a payee bank delivered by an electronic
currency verification center, if the electronic currency in an online
payment transaction passes an authenticity verification;
Date Recue/Date Received 2022-06-07
wherein the authenticity verification comprises comparing a first
payment verification information with a second payment
verification information to check whether the first payment
verification information matches the second payment verification
information, wherein the first payment verification information
comprises first account information and an encryption key used for
secure payment, and wherein the second payment verification
information comprises second account information and a decryption
code for solving the encryption key;
transfer a payment amount of funds equivalent to the payment
amount of the electronic currency from a bank account of a payer
bank to the bank account of the payee bank;
wherein the payer bank server corresponds to the bank account of
the payer bank, and wherein the bank account of the payer bank
corresponds to electronic currency settlement of the online payment
transaction;
a payee bank server, configured to
deliver the amount of funds equivalent to the payment amount of the
electronic currency to the bank account of the payee bank when
receiving the payment amount of the electronic currency according
to the transaction request delivered by the payer bank server; and
the electronic currency verification center, configured to:
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
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extracting first payment verification information from the electronic
currency, wherein the first payment verification information
comprises first account information and an enclyption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
search for the bank account of the payer bank corresponding to the electronic
currency
settlement of the electronic currency of the online payment transaction and
the payer
bank server corresponding to the bank account of the payer bank, to deliver
the payment
amount of the electronic currency and information of the bank account of the
payee bank
to the payer bank server; and
submit a transfer request to instnict the payer bank server to transfer the
payment amount
of funds to the bank account of the payee bank through the payee bank server
for
completing the online payment transaction;
wherein the plurality of bank servers is communicatively connected to the
electronic
currency verification center, wherein the electronic currency verification
center is
configured to perform authenticity verification on the electronic currency of
the online
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Date Recue/Date Received 2022-06-07
payment transaction according to an electronic currency verification rule when
receiving
a payment request sent by a payer terminal and confirmation information of an
authenticity verification request sent by a payee terminal, wherein the
electronic currency
exists only electronically, and wherein the electronic currency comprises a
payment
amount of the electronic currency equivalent to the payment amount of funds.
62. The system of claim 61, wherein the payer terminal is a desktop computer.
63. The system of claim 61, wherein the payer terminal is a laptop.
64. The system of claim 61, wherein the payer terminal is a smartphone.
65. The system of claim 61, wherein the payee terminal is configured as a
desktop computer.
66. The system of claim 61, wherein the payee terminal is a laptop.
67. The system of claim 61, wherein the payee terminal is a smai tphone.
68. The system of any one of claims 61 to 67, wherein the electronic currency
verification center
communicates with the plurality of servers over a wireless network.
69. The system of any one of claims 61 to 68, wherein the electronic currency
verification center
is an authenticated server.
70. An electronic currency verification center for electronic currency
payments in an
online payment transaction, the electronic currency verification center
configured to:
determine whether the electronic currency of the online payment
transaction passes authenticity verification, comprising:
extracting first payment verification information from the electronic
currency, wherein the first payment verification information
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comprises first account information and an encryption key used for
secure payment;
searching a database for second payment verification information
pre-reserved by a payer of the electronic currency, wherein the
second payment verification information comprises second account
information and a decryption code for solving the encryption key;
comparing the first payment verification information with the
second payment verification information to check whether the first
payment verification information matches the second payment
verification information; and
if the electronic currency of the online payment transaction passes
the authenticity verification:
search for a bank account of a payer bank corresponding to settlement of the
electronic
currency of the online payment transaction and a payer bank server
corresponding to the
bank account of the payer bank, to deliver a payment amount of the electronic
currency
and information of a bank account of a payee bank to the payer bank server;
and
submit a transfer request to instruct the payer bank server to transfer the
payment amount
of funds to the bank account of the payee bank through a payee bank server for
completing the online payment transaction.
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