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WO2017025062A1 - 无纸支付系统及其方法 - Google Patents

无纸支付系统及其方法 Download PDF

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Publication number
WO2017025062A1
WO2017025062A1 PCT/CN2016/094840 CN2016094840W WO2017025062A1 WO 2017025062 A1 WO2017025062 A1 WO 2017025062A1 CN 2016094840 W CN2016094840 W CN 2016094840W WO 2017025062 A1 WO2017025062 A1 WO 2017025062A1
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WO
WIPO (PCT)
Prior art keywords
payment
paperless
user
unit
center
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Application number
PCT/CN2016/094840
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English (en)
French (fr)
Inventor
戴见霖
Original Assignee
戴见霖
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Filing date
Publication date
Application filed by 戴见霖 filed Critical 戴见霖
Priority to US15/752,233 priority Critical patent/US20190188665A1/en
Publication of WO2017025062A1 publication Critical patent/WO2017025062A1/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
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/387—Payment using discounts or coupons
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/403—Solvency checks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/405—Establishing or using transaction specific rules
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/10—Tax strategies
    • 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices

Definitions

  • the present invention relates to a payment system, and more particularly to a paperless payment system and a method thereof.
  • the paperless payment system generates a paperless payment file for setting a payment plan, and the payment process needs to comply with the payment plan to perform payment.
  • Currency is a common payment tool, especially paper money.
  • the seller informs the buyer of the price of the goods purchased. The buyer then selects from the banknotes according to the price of the commodity, and selects the corresponding denomination of the banknotes to be handed over to the seller. If the denomination of the banknote selected by the buyer is equal to the price of the commodity, the payment is completed. If the denomination of the banknote selected by the buyer is greater than the price of the commodity, the seller needs to return the banknote corresponding to the difference to the buyer, and the payment is completed. In the process of paying with banknotes, both the buyer and the seller need to verify the denomination of the banknotes, and both need to identify the authenticity of the banknotes.
  • the banknote has a fixed denomination.
  • the buyer needs to calculate the number of banknotes that need to pay the denomination.
  • the amount paid is large, the workload of carrying, verifying, and recognizing the authenticity of the banknote is large. In this case, the cost of payment is high.
  • Credit cards are another payment tool. Compared with the use of banknotes, credit cards are easy to carry and do not need to be counted. In the process of paying by credit card, the information on the credit card is read by the card reader, and then the buyer enters the password or does not enter the password, and finally the buyer signs to complete the payment. Although the credit card is easy to use, if the credit card information is stolen and the buyer's signature is fraudulently signed, it will cause greater losses to the issuing bank. Because the identification of stolen credit cards requires higher recognition capabilities, and the average merchant does not have the ability to identify stolen credit cards. Increasing the ability of merchants to identify stolen credit cards increases the cost of payment. In addition, obtaining a credit card requires credit review.
  • the number is closely related to life, and the person deals with the number as soon as he is born: the birth certificate number.
  • the birth certificate number followsed by the ID number.
  • the number of the diploma is also different.
  • a bank card number or passbook number is required to go to a bank deposit.
  • Banks have different business and bank card numbers are different.
  • Formal numbers invisibly increase the difficulty of management, and bring inconvenience to life, and even bring trouble. People need to distinguish the functions corresponding to various numbers, which is time consuming and laborious. If a number is used to implement the above number, it will bring great convenience to life, but there is no such number.
  • Another object of the present invention is to provide a paperless payment system that performs payment by verifying the payment plan preset by the acquired paperless payment file.
  • Another object of the present invention is to provide a paperless payment system that uses a value constant as a payment unit.
  • Another object of the present invention is to provide a paperless payment system, wherein the paperless payment document provides at least one payment scheme and at least one verification scheme, the paperless payment system verifies the payment scheme and current payment information, and verifies the verification The identity of the program and the payer.
  • Another object of the present invention is to provide a paperless payment system wherein the paperless payment system provides a generation center to generate the paperless payment file.
  • Another object of the present invention is to provide a paperless payment system in which the generation center provides A plan setting unit that provides settings for the payment plan.
  • Another object of the present invention is to provide a paperless payment system in which the solution setting unit provides for setting the verification scheme.
  • Another object of the present invention is to provide a paperless payment system in which the generation center provides a generating unit that generates the paperless payment file in accordance with the set payment plan.
  • Another object of the present invention is to provide a paperless payment system, wherein the generation center provides a generating unit that generates the paperless payment file according to the set payment plan and the verification plan.
  • Another object of the present invention is to provide a paperless payment system wherein the generation center provides an authorization unit that provides the user with review of the payment plan and the verification plan.
  • Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system provides a payment center, the payment center verifies the payment plan and the current payment information, and if the current payment information conforms to the payment plan, the payment is made. .
  • Another object of the present invention is to provide a paperless payment system in which the payment center verifies the authentication scheme and the identity information of the payer, and if the identity information of the payer conforms to the verification scheme, payment is made.
  • Another object of the present invention is to provide a paperless payment system in which the payment center provides a content acquisition unit that acquires the payment plan of the paperless payment file.
  • Another object of the present invention is to provide a paperless payment system in which the payment center provides a content acquisition unit that acquires the verification scheme of the paperless payment file.
  • Another object of the present invention is to provide a paperless payment system in which the payment center provides a verification unit that verifies the current payment information and the payment plan.
  • Another object of the present invention is to provide a paperless payment system in which the payment center provides a verification unit that verifies the identity information of the payer and the verification scheme.
  • Another object of the present invention is to provide a paperless payment system wherein the payment center provides a payment unit that pays in accordance with the payment plan of the paperless payment document.
  • Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system further provides a value constant management center that manages value constants for each user.
  • Another object of the present invention is to provide a paperless payment system in which the value constant management The center allocates a corresponding identification number to each user, and the value constant management center manages the value constant of the corresponding user according to the identification number.
  • Another object of the present invention is to provide a paperless payment system, wherein the value constant management center further provides a user management unit that manages basic information of the user.
  • Another object of the present invention is to provide a paperless payment system in which the user management unit assigns each user a corresponding identification number.
  • Another object of the present invention is to provide a paperless payment system, wherein the value constant management center further provides a value constant management unit that manages a value unit of the user based on the user's identification number.
  • Another object of the present invention is to provide a paperless payment system, wherein the value constant management center provides a credit unit, and the credit unit sets a corresponding credit limit of the corresponding user according to the identification number.
  • Another object of the present invention is to provide a paperless payment system wherein the payment scheme provides for payment using a preset credit line set by the user.
  • Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system provides a crowdfunding center, the crowdfunding center provides for publishing at least one crowdfunding project by setting the paperless payment of the crowdfunding project And the payment center pays the participant of the crowdfunding project according to the paperless payment document of the crowdfunding project.
  • Another object of the present invention is to provide a paperless payment system in which the paperless payment system provides a tax center that determines whether payment is required to be paid by the paperless payment document. If the tax is to be paid, the tax center sends a tax-free paperless payment document to the payment center, the payment center executes the paperless payment document to complete the payment, and the payment center executes the tax-free paperless payment document to pay Taxes.
  • Another object of the present invention is to provide a paperless payment system, wherein the paperless payment system further provides a bill management center, after the payment is completed using the paperless payment file, the payment center sends the payment management center to the account management center.
  • a payment status receipt, the accounting management center records the payment status of the corresponding user according to the identification number of the user.
  • the present invention provides a paperless payment system comprising:
  • the paperless payment system of the present invention further comprises:
  • the generating center generates the paperless payment file, wherein the generating center is configured to set at least one payment plan, and the generating center generates the paperless payment file according to the set payment plan.
  • the paperless payment file further includes at least one verification scheme, and the generation center provides at least one verification scheme, so that the payment center verifies the identity information of the payer according to the verification scheme, wherein if the payer's identity information In accordance with the verification scheme, the payment center pays according to the payment plan of the paperless payment document.
  • the generating center further includes a payment plan setting unit and a generating unit communicatively connected to the generating unit, the payment plan setting unit sets the payment plan, and the generating unit generates the Paperless payment documents.
  • the payment center further includes a content acquisition unit, a verification unit, and a payment unit that are communicably connected to each other, wherein the content acquisition unit acquires the payment plan and the current payment information of the paperless payment file, and the The payment plan and current payment information of the paper payment file are sent to the verification unit, wherein the verification unit verifies whether the current payment information conforms to the payment plan of the paperless payment file, and if the current payment information meets the desired paperless payment file The payment plan, the payment unit pays according to the payment plan of the paperless payment file.
  • the payment plan setting unit provides setting the verification scheme, and the verification unit verifies the identity of the authorized person of the paperless payment file according to the verification scheme, and if the verification unit confirms the identity of the authorized person, the paperless payment The document is authorized, and the payment unit pays according to the payment plan of the paperless payment document.
  • the generating center further includes an authorization unit, which is communicatively connected to the solution setting unit and the generating unit, wherein the user reviews the payment plan by the authorization unit, and if the payment plan passes the user's review, The payment plan is sent to the generating unit, which generates the paperless payment file according to the payment plan.
  • an authorization unit which is communicatively connected to the solution setting unit and the generating unit, wherein the user reviews the payment plan by the authorization unit, and if the payment plan passes the user's review, The payment plan is sent to the generating unit, which generates the paperless payment file according to the payment plan.
  • the paperless payment system of the present invention further includes a value constant management center that communicatively connects the generation center and the payment center, wherein the value constant management center manages the user-owned by the identification number.
  • the value constant management center further includes a user management unit and a value constant management unit, wherein the user management unit manages the information of the user, wherein the user management unit allocates a corresponding account for each user, and the value constant management unit is configured according to The account corresponding to the user manages the value constant owned by the user.
  • the present invention further provides another paperless payment system comprising:
  • the value constant management center respectively assigns a corresponding identification number to each user, and the value constant management center manages the value constant of the corresponding user according to each identification number;
  • the payment center is communicatively connected to the value constant management center, and the payment center performs payment according to a preset paperless payment file, wherein the paperless payment file includes at least one payment plan, and the payment center verifies the current Payment information and the payment plan of the paperless payment document, if the current payment information conforms to the payment plan of the paperless payment document, the payment center performs payment according to the payment plan of the paperless payment file, wherein the payment center
  • the value constant management center adjusts the value constant amount owned by the payer according to the identification number of the payer set by the payment plan of the paperless payment document and the identification number of the recipient respectively. And a value constant amount owned by the recipient to draw the value constant of the amount equal to the payment amount set in the paperless payment file from the payee's identification number to the recipient's identification number.
  • the paperless payment system of the present invention further comprises:
  • the generation center generates at least one paperless payment file
  • the generation center communicatively connects to the payment center, wherein the generation center is configured to set the payment plan, and then generates the paperless payment file according to the payment plan.
  • the value constant management center further includes a user management unit and a value constant management unit, wherein the user management unit allocates the corresponding identification number to each user, and the value constant management unit manages the corresponding user according to the identification number.
  • the value constant is a constant.
  • the value constant management center further comprises a credit unit, wherein the credit unit manages a credit line of the corresponding user according to the identification number, wherein the credit line of the user is determined by the payment plan set in the paperless payment file The credit line of the user is made available for payment through the payment center.
  • the paperless payment system of the present invention further includes a crowdfunding center, the crowdfunding center manages the crowdfunding project issued by the user according to the identification number of the user, wherein the crowdfunding center provides at least one crowdfunding project.
  • the generating center sets the payment plan of the crowdfunding project according to the crowdfunding project, and generates the paperless payment file of the crowdfunding project according to the payment plan of the crowdfunding project, wherein each of the crowdfunding project obtains A revenue is paid to each participant's identification number according to the distribution ratio of each participant set in the payment plan of the paperless payment document of the crowdfunding project.
  • the paperless payment system of the present invention further includes a tax center that connects the crowdfunding center, the generation center, the payment center, and the value management center, respectively, and the tax center manages the identity according to the identification number of the user.
  • the tax payable by the user wherein the tax center sets at least one tax rule, and the tax center judges whether the tax rule is met when the payment is made through the paperless payment document, and if it meets, the tax center according to the tax center
  • the tax rule pays the corresponding tax payable when paying using the paperless payment document.
  • the paperless payment system of the present invention further includes a account management module, the account management module communicatively connecting the payment center, the tax management center and the value management center, wherein the account management module and the user The identification number manages the accounting status of the user.
  • the payment center After the payment center completes the payment according to the paperless payment file, the payment center sends a payment status receipt to the accounting management center, wherein the accounting management center according to the payment The situation receipt records the payment status to the payee's identification number and the recipient's identification number, respectively.
  • the invention further provides a paperless payment method comprising the following steps:
  • step 3 Verifying the current payment information and the payment plan of the paperless payment file. If the current payment information conforms to the payment plan of the paperless payment file, step 3 is performed, if the current payment information does not meet the payment of the paperless payment file. The plan stops paying.
  • Step 1B is further included between step 1 and step 2: obtaining a verification scheme of the paperless payment file, and verifying the authentication scheme and the identity information of the payer, and performing step 2 if the identity information of the payer conforms to the verification scheme, If the identity information of the payer does not comply with the verification scheme, the payment is stopped.
  • Step 1A is further included before step 1: generating a paperless payment file.
  • Step 1A further includes the following steps:
  • 1A.1 sets at least one payment plan.
  • 1A.2 generates the paperless payment file according to the payment plan.
  • step 1A.2 it can be replaced with step 1A.3: setting at least one verification scheme, the paperless payment file is generated according to the payment scheme and the verification scheme.
  • the invention further provides a paperless credit line adjustment method, comprising the following steps:
  • Step A1 setting the payment plan for the loan and the payment plan for repaying the loan.
  • Step A2 The payment plan for authorizing the loan and the payment plan for repaying the loan.
  • Step A3 The generating unit generates the paperless payment file according to the payment plan of the loan and the payment plan that is repaid.
  • Step A4 The content obtaining unit acquires the payment plan of the loan of the paperless payment file.
  • Step A5 The verification unit verifies whether the payment scheme of the loan is authorized, and if authorized, performs step A6. If not authorized, the execution is terminated.
  • Step A6 The payment unit executes the paperless payment file according to the payment plan of the loan.
  • Step A7 The credit unit adjusts the credit line of the debit's identification number and the credit number of the credit's identification number according to the payment plan of the loan, and according to the debit of the payment scheme 31 according to the loan, the debit's identification number. Mark the use of the credit line obtained.
  • Step A8 Supervise the use of the credit line obtained by the borrower.
  • Step A9 The content obtaining unit acquires the payment plan for repaying the paperless payment file.
  • Step A10 The verification unit verifies whether the payment plan that is repaid is authorized. If the authorization is obtained, step A6 is performed. If not authorized, the execution is terminated.
  • Step A11 The payment unit executes the paperless payment file according to the payment plan that is repaid.
  • the invention further provides a crowdfunding method comprising the following steps:
  • Step B1 Publish a crowdfunding project through the crowdfunding center.
  • Step B2 Produce the corresponding paperless payment file for the crowdfunding project.
  • Step B3 Pay according to the corresponding paperless payment file.
  • step B2 further comprises the following steps:
  • Step B2.1 setting the payment plan, wherein the payer is set as the corresponding crowdfunding item, the receiver is set as each participant of the crowdfunding project, and the proportion of each participant is set, so that when Each proceeds from the crowdfunding project is paid in proportion to each other.
  • Step B2.2 Each participant of the crowdfunding project authorizes the payment plan.
  • Step B2.3 Generate the corresponding paperless payment file.
  • step B2.1 can be replaced with the step B2.1": setting the payment plan, wherein the payer is set to the corresponding identification number of the crowdfunding project and the corresponding participant of the crowdfunding project, The recipient is set as each participant of the crowdfunding project, and the proportion of each participant is set such that each of the proceeds of the crowdfunding project is paid in a proportionate manner.
  • step B3 further comprises the following steps:
  • Step B3.1 detecting whether the corresponding crowdfunding project receives revenue, if the corresponding crowdfunding project receives the revenue, executing step B3.2; if the corresponding crowdfunding project does not receive the revenue, the crowdfunding is not performed
  • the project operates on a paperless payment file.
  • Step B3.2 Obtain a corresponding payment plan of the paperless payment file.
  • Step B3.3 Verify the corresponding payment plan of the paperless payment file.
  • Step B3.4 Paying the received income according to the proportion of the payment plan set by the corresponding paperless payment document.
  • An advantage of the paperless payment system of the present invention is that when using the paperless payment document payment, the current payment information needs to be verified with the payment plan of the paperless payment document. If the current payment information does not meet the payment plan of the paperless payment file, it cannot be paid. In this way, the flow of funds from the exit is controlled to avoid funds being used for other purposes. Moreover, the use of the paperless payment system eliminates the need for credit review, thereby saving on payment costs. Moreover, when using, the user only needs to provide his identity information, and can use the paperless payment system to make payment, which is simple and convenient. In addition, with the paperless payment system of the present invention, various offers offered by the merchant to the user are embodied in a paperless payment document.
  • the paperless payment system of the present invention further provides a crowdfunding method for paperless payment of documents so that when a user lacks funds, he or she can start a business. Lower the threshold for entrepreneurship.
  • each of the proceeds obtained by the crowdfunding project is paid by the payment center according to the distribution ratio of each participant set by the payment plan of the paperless payment document of the crowdfunding project. The payment process only passes through the payment center without going through a third party.
  • the tax center is based on the branch
  • the purpose of payment and the amount of payment set in the payment plan indicate the tax that the user should pay.
  • the tax that the user will pay is also set in the payment plan.
  • the generation center generates the paperless payment file according to the payment plan.
  • the payment center pays taxes according to the set tax paid. If the paperless payment document is not provided with tax payment, the tax center judges whether the paperless payment document is used to pay the taxation rules. If it is met, the tax center will pay the corresponding tax payable at the same time when the paperless payment document is used according to the tax rule.
  • the account management module of the paperless payment system of the present invention records the payment status to the payee's identification number and the recipient's identification number according to the payment status, and enters the respective financial subjects according to the financial regulations.
  • the account management module can process the user's income and expenditure according to the needs of the accounting to realize the accounting function.
  • FIG. 1 is a block diagram showing the structure of a preferred embodiment of the paperless payment system of the present invention.
  • FIG. 2 is a flow chart of a crowdfunding method of a preferred embodiment of the paperless payment system of the present invention.
  • FIG. 3 is a schematic diagram of a payment scenario of a preferred embodiment of the paperless payment system of the present invention.
  • 4 to 5 are schematic diagrams showing a payment scenario of another preferred embodiment of the paperless payment system of the present invention.
  • Figure 6 is a flow chart showing a paperless credit line adjustment method of a preferred embodiment of the paperless payment system of the present invention.
  • FIG. 7 is a flow chart of a paperless payment method of the paperless payment system of the present invention.
  • the paperless payment system of the present invention includes a production center 10 and a payment center 20.
  • the generation center 10 is communicatively coupled to the payment center 20.
  • the generating center 10 is configured to preset at least one payment plan 31, and then generate a paperless payment file 30 according to the payment plan 31 set in advance, so that the paperless payment file 30 is used for payment.
  • the payment center 20 acquires the The payment plan 31 of the paperless payment file 30 is preset, and then the payment center 20 verifies the preset payment plan 31 of the paperless payment file 30. If the preset payment plan 31 of the paperless payment document 30 passes the verification, the payment center 20 makes a payment.
  • the paperless payment file 30 can be applied to a smart terminal such as a computer, a notebook computer, a smart phone, a smart watch, smart glasses, or a smart bracelet.
  • the paperless payment file 30 is transmitted to the smart terminal through the communication network to use the paperless payment file 30 through the smart terminal.
  • the generating center 10 further includes a payment plan setting unit 11 and a generating unit 12.
  • the payment plan setting unit 11 communicably connects the generating unit 12.
  • the payment plan setting unit 11 sets the payment plan 31.
  • the payment plan 31 includes a preset payment amount, a preset payment purpose, a preset payment time, a preset payment place, a preset payer, a preset recipient, and a preset payment terminal.
  • the default payment amount refers to the payment amount provided by the paperless payment document 30.
  • the default payment purpose refers to the payment purpose of the preset payment amount, such as shopping, payment of rent or deposit. If the preset payment purpose is edited, when the paperless payment file 30 is used for payment, the payment center 20 verifies whether the preset payment purpose matches the current payment purpose.
  • the preset payment time means that the paperless payment file 30 can only be paid at a preset time point or time period.
  • the paperless payment file 30 cannot be used for payment within the preset payment time.
  • the preset payment location refers to a place or an area where the paperless payment document 30 is used. If the payment occurs outside of the preset payment location, the paperless payment document 30 cannot be used for payment.
  • the preset payer refers to a person who pays using the paperless payment file 30. When the paperless payment document 30 makes a payment, the payment center 20 verifies whether the current payer is the default payer.
  • the current payer cannot use the paperless payment file 30 for payment.
  • the default payer can preset one or more payers. When the preset payer is a plurality of payers, the plurality of payers share the payment amount.
  • the preset recipient refers to the payment object of the paperless payment file 30. If the preset recipient is not the current payment object, the payment is stopped.
  • the preset payment terminal means that the paperless payment file 30 is bound to the preset payment terminal.
  • the payment center 20 pays only when the paperless payment file 30 is used by the preset payment terminal. That is to say, the paperless payment file 30 cannot be paid by other payment terminals.
  • the payment plan setting unit 11 can set whether the payment plan 11 can be revoked. If the payment plan 11 is set to be revokable or changeable, the payment plan 11 can be revoked or changed before the payment plan 11 is used. If the payment plan 11 is being made If used or already used, the payment plan 11 cannot be revoked or changed.
  • the generating unit 12 generates the paperless payment file 30 by encoding and/or encryption according to the set payment scheme 31.
  • the paperless payment file 30 can be displayed as a payment code, such as a two-dimensional code, a two-dimensional time code, a stereo code, or a stereo time code.
  • the two-dimensional time code means that the two-dimensional code can increase the time record, such as the generation time, the payment time, and the receiving time of the recorded two-dimensional code.
  • the stereo code means that the payment code can be displayed in a stereoscopic manner, thereby recording more payment content.
  • the stereo time code further records the generation time, the payment time and the receiving time of the stereo code on the basis of the stereo code.
  • the paperless payment file 30 can be displayed as a video within 5 seconds. That is, the generating unit 12 generates a video within 5 seconds by encoding and/or encrypting according to the payment content. Preferably, the generating unit 12 generates a video of one second in time by encoding and/or encryption according to the payment content.
  • the paperless payment file 30 can also be displayed as a picture.
  • the payment center 20 further includes a content acquisition unit 21, a verification unit 22, and a payment unit 23 that are communicably connected to each other.
  • the content acquisition unit 21 acquires the content of the payment plan 31 of the paperless payment file 30, and then the acquired content of the payment plan 31 of the paperless payment file 30 Send to the verification unit 22.
  • the content obtaining unit 21 may further acquire current payment information, such as the current payment purpose, the current payment location, the current payment time, and the current payment amount.
  • the content acquisition unit 21 then transmits the acquired current payment information to the verification unit 22.
  • the verification unit 22 verifies the content of the payment plan 31 and the current payment information of the paperless payment file 30.
  • the verification unit 22 sends a confirmation payment message to the payment unit 23.
  • the payment unit 23 receives the confirmation payment information and performs payment. If the current payment information does not meet the preset payment content of the paperless payment file 30, the verification unit 22 transmits a termination payment information to the payment unit 23. The payment unit 23 receives the termination payment information and cancels the payment.
  • the payment plan setting unit 11 can preset the verification content to verify the identity of the payer using the paperless payment file 30.
  • the payment plan setting unit 11 further includes a payment plan setting module 111 and a verification plan setting module 112.
  • the payment plan setting module 111 is communicatively coupled to the verification plan setting module 112.
  • the payment plan setting module 111 is configured to set the branch Pay plan 31.
  • the verification scheme setting module 112 can be configured to set at least one verification scheme 32 to identify the user of the paperless payment file.
  • the verification scheme 32 can be used to set the user's biometrics, such as fingerprints, palm prints, pupils, pupils, voice prints, faces, phalanges or skulls.
  • the verification scheme 32 may further set a verification action.
  • the payer performs an action by holding the smart terminal provided with the gyroscope, and the verification scheme setting module 112 records the motion information of the user through the gyroscope.
  • the verification scheme setting module 112 sets the verification scheme 32, one or more of the biometric and verification actions may be selected as the verification scheme 32.
  • the paperless payment file 30 includes the payment plan 31 and the verification plan 32.
  • the paperless payment generation center 10 further includes an authorization unit 13 that communicatively connects the payment plan setting unit 11 and the generation unit 12, respectively.
  • the payment plan setting unit 11 transmits the payment plan 31 of the paperless payment file 30 to the authorization unit 13.
  • the authorizer reviews the payment plan 31 of the paperless payment document 30 through the authorization unit 13. If the licensor approves the payment plan 31 through the paperless payment document 30, the authorization unit 13 transmits the payment plan 31 of the paperless payment file 30 to the generating unit 12.
  • the generating unit 12 generates the corresponding paperless payment file 30 based on the payment plan 31 of the paperless payment file 30.
  • the preset content of the paperless payment file 30 does not need to be edited by the payer himself, and can be edited by others, and the payer only needs to perform the authorization operation, thereby greatly increasing the number of The flexibility of paper payment documents 30.
  • the verification unit 22 of the payment center 20 needs to verify the payment plan 31 and the verification plan 32.
  • the payment unit 23 makes a payment according to the payment plan 31 of the paperless payment file 30.
  • the paperless payment system further includes a value constant management center 40.
  • the value constant management center 40 communicatively connects the generation center 10 and the payment center 20, respectively.
  • the value constant management center 40 is used to manage the value constants owned by the user.
  • the value constant refers to a constant such as ⁇ .
  • the paperless payment system of the present invention uses a value constant for payment.
  • the value constant management center 40 further includes a user management unit 41 and a value constant management unit 42.
  • the user management unit 41 assigns each user a corresponding one of the identification numbers 4111 to distinguish the identity of each user.
  • the user management unit 41 manages corresponding user information based on the identification number.
  • the identification number 4111 can be disclosed.
  • the identification number 4111 can be modified.
  • the value constant management unit 42 manages the value constant amount of the corresponding user based on the identification number 4111. If the value constant of the user corresponding to the identification number 4111 is increased, the value constant of the user corresponding to the identification number 4111 is reduced, the value constant of one of the identification numbers 4111 is transferred to the value constant of the other identification number 4111, and the like. It is worth mentioning that the paperless payment system of the present invention uses the biometric characteristics of the user to log in.
  • the biometric features include fingerprints, pupil distance, retina, voice prints, and facial features. The user can set up one or more biometric login systems.
  • the paperless payment system of the present invention does not record a password, and when the user logs in using the biometric, the verification unit 22 verifies the biometric of the user and then generates a verification code based on the biometric of the user. Further, the user management unit 41 generates another verification code. The user management unit 41 sends another verification code to the verification unit 22 to pair with the verification code. If the verification code is successfully paired with another verification code, the user can log in to the paperless payment system of the present invention. If the pairing is unsuccessful, you cannot log in. It is worth mentioning that the user information recorded by the user management unit 41 is subjected to encryption processing. Only the user is identified and the user's personal information is authorized for use.
  • the user management unit 41 is further divided into a basic information management module 411 and a verification information management module 412.
  • the basic information management module 411 manages basic information of the user, such as name, age, education, work experience, and the like.
  • the verification information management module 412 is configured to manage verification information of the user, such as a biometric corresponding to the user, or a verification action or the like.
  • the user management unit 41 communicatively connects the payment plan setting unit 11 to provide verification information corresponding to the user for setting the verification scheme 32.
  • the payment plan setting unit 11 selects information for setting the verification of the verification scheme 32 from the verification information management module 412.
  • the user management unit 41 further includes a verification information generating module 413.
  • the verification information generating module 413 is communicably connected to the verification unit 22, the basic information management module 411, and the verification information management module 412, respectively.
  • the verification unit 22 identifies the biometric of the user and generates the verification code based on the biometric of the user.
  • the verification information generating module 413 can obtain the basic information corresponding to the user and the corresponding verification information from the basic information management module 411 and/or the verification information management module 412.
  • the verification information generating module 413 generates another verification code according to the basic information corresponding to the user and the corresponding verification information.
  • the verification center 22 pairs the verification code with another verification code. If the verification code is paired with another verification code, the user is allowed to log in. If the verification code is not paired with another verification code, the user is not allowed to log in.
  • the verification information generating module 413 is further communicably connected to the payment plan setting unit 11.
  • the verification information generating module 413 acquires the basic information corresponding to the user and the corresponding verification information from the basic information management module 411 and the verification information management module 412, respectively. Then, the verification information generating module 413 extracts a part of the basic information corresponding to the user, and extracts a part of the corresponding verification information, and then edits the extracted partial user basic information and the extracted user verification information to generate a verification.
  • Content 4131 The verification scheme setting module 112 of the payment scheme setting unit 11 acquires the verification content 4131 from the verification information generation unit 413 for setting the verification scheme 32.
  • the verification information generating unit 413 acquires the information of the academic qualification from the basic information corresponding to the user, and obtains the distance information of the user from the verification information corresponding to the user, and then generates the user according to the user academic information and the distance information. Corresponding to the verification information 4131.
  • the verification information 4131 corresponding to the user is then transmitted to the payment plan setting unit 11.
  • the verification scheme setting module 112 of the payment scheme setting unit 11 sets the verification scheme 32 of the paperless payment file 30 according to the verification information 4131 corresponding to the user.
  • the verification unit 22 of the payment center 20 performs verification according to the verification scheme 32.
  • the payment center 23 transmits the payee's identification number 4111, the recipient's identification number 4111, and the payment amount to the value constant management unit 42, respectively.
  • the value constant management unit 42 transfers the value constant equal to the payment amount from the payer's identification number 4111 to the recipient's identification number 4111.
  • the verification information management module 412 provides at least one emergency verification scheme 4121.
  • the emergency verification scheme 4121 refers to an emergency verification scheme 4121 used when the user encounters an emergency.
  • the emergency includes threats, accidents, urgent help or loss of life.
  • an alarm is issued to notify the police that the user is in an emergency situation.
  • the user can specify to verify the user's ring finger fingerprint, it is an emergency verification scheme.
  • the user encounters a threat when using the non-payment document, the user authenticates using the ring finger fingerprint.
  • the verification center 22 receives the fingerprint of the user using the ring finger for verification, and the verification center 22 executes the emergency verification scheme 4121 of the user: an alarm.
  • the emergency verification scheme 4121 can be set up twice to avoid misoperation.
  • the verification center 22 receives the fingerprint of the user using the ring finger for verification, and the verification center 22 starts the emergency verification scheme 4121 of the user: requesting verification again.
  • the verification center 22 prompts the user to verify again. If the user makes it again The verification is performed by the fingerprint of the ring finger, and the verification center 22 executes the emergency verification scheme 4121: an alarm. If the user uses the fingerprint of the other finger for verification, the verification center 22 cancels the activation of the emergency verification scheme 4121 and performs a payment operation.
  • the user management unit 41 further includes a paperless payment file management unit 414 communicatively coupled to the generation center 10 to receive the paperless payment file 30 from the generation unit 13.
  • the paperless file management unit is for the user to manage the paperless payment file 30 owned by the user.
  • the value constant management center 40 further includes a value constant evaluation unit 44 that communicatively connects the basic information management module 411 of the user management unit 41 to acquire basic information of the user.
  • the value constant evaluation unit 44 evaluates the value constant coefficient a of the user based on the basic information of the user.
  • the value constant management center 40 further includes a credit unit 43 communicatively coupled to the user management unit 41, the value constant management unit 42, the generation center 10, and the payment center 20.
  • the credit unit 43 sets a preset credit limit based on the identification number 4111.
  • the credit line is in units of value constants.
  • the predetermined credit line is adjusted by the credit unit 43.
  • the credit unit 43 has a credit line set in advance for each user. This line of credit is available for payment.
  • the credit line is in units of value constants.
  • the credit unit 43 locks the identification number 4111 to prohibit the user from using the credit line for payment.
  • the credit unit 43 receives the value constant of the user's reimbursement equal to the line of credit, the credit unit 43 unlocks the user account so that the user can continue to use the credit line for payment.
  • the credit unit 43 sets the credit line of the user according to the user's identification number 4111.
  • the credit line set by the credit unit 43 is in units of value constants.
  • the credit unit 43 sets the same credit line for each user.
  • the credit unit 43 acquires basic information of the user from the basic material management module 411 of the user management unit 41, and then the credit unit 43 adjusts the credit line of the user according to the basic data of the user.
  • the credit unit 43 monitors the credit line for each user. When the credit line of the user is exhausted, the credit unit 43 locks the identification number 4111 so that the identification number 4111 cannot be paid using the credit line of the user. If it should be used After the user repays the value constant of the same amount as the credit line, the credit unit 43 unlocks the user's identification number 4111 so that the identification number 4111 can be paid using the credit line.
  • the credit unit 43 can adjust the credit line of the user according to the value constant of the user's pledge and the like, so that the user can use the value constant of the pledge and the like to pay. Specifically, the value constant amount of the pledge of the user is first evaluated, and then the credit unit 43 adjusts the credit line of the user. The value constant amount of the user's pledge is increased to the credit line of the user to increase the credit line of the user.
  • the credit unit 43 is for adjusting the credit line between the users. If the credit line of the user is insufficient to pay, the user coordinates the credit line with another user through the credit unit 43. The user creates the paperless payment file 30 and then sends the paperless payment file 30 to another user. Another user reviews the paperless payment document 30 if another user agrees to execute the paperless payment document 30. Then, the credit unit 43 executes based on the payment plan 31 described in the paperless payment file 30. Specifically, the user sets the payment plan 31 through the plan setting unit 11 of the generation center 10. For example, the user sets two payment plans 31 set by the solution setting unit 11, one of the payment plans 31 is a lending plan, and the other payment plan 31 is a repayment plan.
  • the user sets the payer to the identity number 4111 of the other user, and the recipient sets the identity number 4111.
  • the user further sets the amount of the loan and the time of receiving the loan, the purpose of the payment, and the like.
  • a repayment scheme is set. In the repayment plan, it can be set to pay off the loan in one lump sum or in installments. The amount of the value constant for each repayment.
  • the payer sets the identification number 4111, and the recipient sets the identification number 4111 of the other user.
  • Two payment schemes 31 are transmitted to the authorization unit 13. Two other payment schemes 31 that another user has audited through the authorization unit 13. The other user agrees to the two payment schemes 31, and the two payment schemes 31 are authorized by the authorization unit 13.
  • the two payment schemes 31 are authorized by the user and another user, the two payment schemes 31 are sent to the generating unit 12, and the generating unit 12 generates the paperless payment file generated according to the two payment schemes 31. 30.
  • the paperless payment document 30 is sent to the payment center 20.
  • the payment center 20 makes a payment based on the contents of the two payment plans 31 of the paperless payment file 30.
  • the content acquisition unit 21 acquires the content of the payment plan 31.
  • the payment plan 31 is a lending plan.
  • the content of the payment plan 31 is sent to the verification unit 22.
  • the verification unit 22 Verify the content of the payment plan 31, the authorization of the user and the authorization of another user. After the verification is passed, the content of the payment plan 31 is sent to the payment unit 31.
  • the payment unit 31 performs payment in accordance with the payment plan 31.
  • the payment unit 31 transmits the content of the payment plan 31 to the credit unit 43.
  • the credit unit 43 subtracts the credit line of another user from the credit line set in the payment plan 31 according to the content of the payment plan 31, and then the credit unit 43 increases the credit line of the user in the payment plan 31. Set the credit line. It is worth mentioning that the credit unit 43 marks the credit line obtained by the user so that the obtained credit line can only be used for the loan use recorded by the payment plan 31. That is, when the user makes a payment using the paperless payment file 30, if the payment use set in the payment plan 31 of the paperless payment file 30 does not meet the loan use, the payment unit 23 cannot use the user. The marked loan is paid to ensure that the loan is used for the purpose of the marked loan.
  • the payment unit 23 uses the loan in which the user is marked to pay.
  • the credit unit 43 deducts the payment amount from the credit line to which the identification number 4111 is marked.
  • the payment unit 23 executes according to another payment plan 31 of the paperless payment file 30. If another repayment method adopted by the payment scheme 31 is an installment repayment, the payment unit 23 automatically performs the repayment loan according to the repayment date. It is worth mentioning that if the user has repaid the loan but the loan is still unused, the credit unit 43 cancels the mark so that the loan can be used for other purposes.
  • the user borrows from a plurality of users through the credit unit 43.
  • the user creates a paperless payment file 30 to borrow from the first user, but the credit limit of the first user is not sufficient to satisfy the user's loan amount.
  • the user then makes another paperless payment file 30 to borrow from the second user. If the second user's credit limit is insufficient to satisfy the user's loan amount, the third user continues to borrow. Until the user's loan amount is met.
  • the payment center 20 matches each of the paperless payment documents 30 according to the current payment purpose of the user. If the payment plan 31 of one of the paperless payment documents 30 matches the current payment purpose, the payment center 20 makes a payment based on the payment plan 31 of the one of the paperless payment documents 30. Specifically, the content acquisition unit 21 acquires the current payment purpose. The content acquisition unit 21 acquires the payment plan 31 in each of the paperless payment files 30, respectively. The verification unit 22 verifies the payment plan 31 of each of the paperless payment documents 30 and the current payment purpose, respectively. If the payment plan 31 of one of the paperless payment documents 30 matches the current payment purpose, The payment unit 23 then makes a payment based on the payment plan 31 of one of the paperless payment documents 30. In this way, the use of the payment is regulated, thereby protecting the interests of the borrower.
  • Figure 6 is a flow chart showing a paperless credit line adjustment method of a preferred embodiment of the paperless payment system of the present invention.
  • the invention further provides a paperless credit line adjustment method, comprising the following steps:
  • Step 1001 Set the payment plan 31 for the loan and the payment plan 31 for repayment.
  • At least two payment schemes 31 are provided by the solution setting unit 11, wherein one of the payment plans 31 is the payment plan 31 for loan, and the other payment plan 31 is the payment plan 31 for repayment.
  • Step 1002 The payment plan 31 that authorizes the loan and the payment plan 31 that is repaid.
  • the debit and the lender respectively review the payment plan 31 of the loan and the payment plan 31 that is repaid. If both the borrower and the lender both borrow the payment plan 31 and repay the payment plan 31. Then the debit and the lender respectively authorize the payment plan 31 for the loan and the payment plan 31 for repayment.
  • Step 1003 The generating unit 11 generates the paperless payment file 30 according to the payment plan 31 of the loan and the payment plan 31 that is repaid.
  • Step 1004 The content obtaining unit 21 acquires the payment plan 31 of the loan of the paperless payment file 30.
  • Step 1005 The verification unit 22 verifies whether the payment plan 31 of the loan is authorized. If the authorization is obtained, step 1006 is performed. If not authorized, the execution is terminated.
  • Step 1006 The payment unit 23 executes the paperless payment file 30 according to the payment plan 31 of the loan.
  • Step 1007 The credit unit 43 adjusts the credit line of the debit's identification number 4111 and the credit number of the credit identification number 4111 according to the payment plan 31 of the loan, and debits according to the loan use of the payment plan 31 according to the loan.
  • the identification number 4111 marks the use of the credit line obtained.
  • the credit unit 43 increases the credit line set by the payment plan 31 for the loan in the credit line corresponding to the debit's identification number 4111 according to the credit line set by the payment plan 31 of the loan. Then, the borrowing party's identification number 4111 marks the borrowing use set by the payment plan 31 for the increased credit line, so that the credit amount borrowed by the borrower can only be used. For marked use.
  • the credit unit 43 reduces the credit line set by the payment plan 31 of the loan in the credit line corresponding to the credit identification number 4111 according to the credit line set by the payment scheme 31 of the loan.
  • Step 1008 Supervise the use of the credit line obtained by the borrower.
  • the verification unit 22 verifies whether the payment use set by the payment plan 31 of the paperless payment file 30 conforms to the use of the obtained credit line being marked. If so, the payment unit 23 makes a payment based on the payment plan 31 of the paperless payment file 30. If not, the payment unit 23 stops the payment.
  • Step 1009 The content obtaining unit 21 acquires the payment plan 31 for repayment of the paperless payment file 30.
  • Step 1010 The verification unit 22 verifies whether the payment plan 31 that is repaid is authorized. If the authorization is obtained, step 1006 is performed. If not authorized, the execution is terminated.
  • Step 1011 The payment unit 23 executes the paperless payment file 30 according to the payment plan 31 that is repaid.
  • the payment unit 23 adjusts the value constant amount of the debit identification number 4111 and the value constant quota of the credit by the value constant management unit 42 respectively. .
  • the value constant management unit 42 reduces the value constant amount of the debit identification number 4111 by the amount of repayment, and increases the value constant amount of the credit identification number 4111 by the amount of repayment. If the repayment method set by the payment scheme 31 for repayment is the installment repayment, when the repayment time is reached, the payment unit 23 is separately adjusted by the value management unit 42 according to the set value constant of the repayment loan. The value constant amount of the debit identification number 4111 and the value constant amount of the credit.
  • the payment plan 31 for repayment can be set to repay the loan according to each credit of the debit identification number 4111.
  • the loan repayment ratio of the debit identification number 4111 is set.
  • the payment unit 23 detects the debitee's identification number 4111 by the value constant management unit 42.
  • the value constant management unit 42 adjusts the value constant amount of the debit identification number 4111 and the value of the credit identification number 4111 according to the repayment ratio set by the repayment system 31. Constant amount.
  • the borrower determines the amount of the lender based on the amount of the value unit that needs to be borrowed. Then, a corresponding paperless payment file 30 is separately produced.
  • the paperless payment system of the present invention further provides a crowdfunding center 50.
  • the crowdfunding center 50 communicatively connects the generating center 10, the payment center 20, and the value constant management center 40, respectively.
  • the user may post at least one crowdfunding project 51 at the crowdfunding center 50.
  • the crowdfunding center 50 manages the crowdfunding item 51 issued by the user according to the identification number 41111 corresponding to the user.
  • Each participant of the crowdfunding project 51 generates the paperless payment file 30 of the crowdfunding project 51 through the generating center 10.
  • the distribution ratio of each participant is set in the payment plan 31 of the paperless payment file 30 of the crowdfunding project 51. That is, after the crowdfunding project 51 obtains the proceeds, the proceeds obtained are distributed according to the distribution ratio set by the payment plan 31 of the paperless payment file 30 of the crowdfunding project 51.
  • each of the obtained proceeds is directly allocated according to the distribution ratio set by the payment plan 31 of the paperless payment file 30 of the crowdfunding item 51.
  • the direct means that each proceeds obtained by the crowdfunding project 51 are immediately paid by the payment center 20 according to the payment plan 31 of the paperless payment file 30 of the crowdfunding project 51. No need to go through a third party.
  • the payment plan 31 is created by the plan setting unit 11, the payer is set as the crowdfunding item 51, and the recipient is set as each participant of the crowdfunding item 51.
  • the payment plan 31 further sets the distribution ratio of each participant.
  • the generating unit 12 generates the paperless payment file 30 of the crowdfunding item 51 based on the payment plan 31. It is worth mentioning that the payment plan 31 can be sent to the authorization center 13 through which the participants edit the payment plan 31. When the payment plan 31 is separately authorized by each participant, the payment plan 31 is transmitted to the generation center 12. If the receiving unit of the payment center 20 detects that the recipient of the payment plan 31 of the paperless payment file 30 is the crowdfunding item 51, the payment center 20 executes the non-crowd item 51. Paper payment document 30.
  • the payment unit 23 pays the value constant amount paid to the crowdfunding item 51 based on the paperless payment file 30 of the crowdfunding item 51. That is, the payment unit 23 pays the value constant amount paid to the crowdfunding item 51 according to the distribution ratio of each participant set by the payment plan 31 of the paperless payment file 30 of the crowdfunding item 51. . Each participant of the crowdfunding project 51 obtains a value constant of the corresponding proportion.
  • the crowdfunding center 50 provides another management method for the crowdfunding project 51.
  • the value constant management center 40 sets a corresponding crowdfunding project identification number 5111 according to the crowdfunding project 51, so as to facilitate the value constant management.
  • Heart 40 manages the crowdfunding project 51.
  • the value constant obtained by the crowdfunding project 51 is managed by the crowdfunding project identification number 5111.
  • the payment center 20 executes the paperless payment file 30 of the crowdfunding item 51.
  • the payment unit 23 pays the value constant amount paid to the crowdfunding item 51 in accordance with the distribution ratio of each participant set by the payment plan 31 of the paperless payment file 30 of the crowdfunding item 51.
  • the crowdfunding project 51 obtains a profit
  • the payment center 20 makes a payment according to the paperless payment document 30 regarding the crowdfunding project 51.
  • the user posts a crowdfunding project 51 for the cafe in the crowdfunding center 50.
  • the user is a barista, so the user posts resources that are still missing from the crowdfunding café, such as stores, materials, waiters, and pastry chefs, through the crowdfunding center 50.
  • the second user can provide the landlord who opens the cafe shop, the third user is the material supplier, the fourth user is the waiter, and the fifth user is the pastry chef.
  • the user creates the payment plan 31 through the solution setting unit 11.
  • the payer is the crowdfunding project 51 of the cafe
  • the recipient is the user, the landlord, the material supplier, the waiter and the pastry chef.
  • the user is set to scale and the payment plan 31 is sent to the authorization unit 32.
  • the share ratio refers to the proportion of the income of the users participating in the crowdfunding project for each of the proceeds obtained for each item sold.
  • the user, the landlord, the material supplier, the waiter, and the pastry chef adjust the content of the payment plan 31 through the authorization unit 32.
  • the payment plan 31 is sent to the generating unit 12 after the recipient has authorized the user, the landlord, the material supplier, the waiter and the pastry chef.
  • the generating unit 12 generates the paperless payment file 30 of the cafe.
  • the coffee-free payment document 30 of the cafe is sent to the payment center 20.
  • the payment center 20 makes a payment based on the paperless payment document 30 of the cafe.
  • the landlord's shop needs to be renovated, and the landlord initiates a renovation of the crowdfunding project 51 through the crowdfunding center 50.
  • the landlord sets the payment plan 31 through the plan setting unit 11.
  • the payer is set to the crowdfunding project 51 of the cafe and the landlord's identification number 4111, and the recipient is set as the landlord and the decorating service provider. Preset the percentage of the landlord to the decoration service provider.
  • the landlord and the decoration service provider edit the payment plan 31 through the authorization unit 13.
  • the payment scheme 31 is authorized by the landlord and the device service provider by the authorization unit 13 respectively.
  • the payment plan 31 is authorized and sent to the generating unit 12.
  • the generating unit 12 generates the loading according to the payment scheme 31.
  • the paperless payment document 30 is repaired.
  • the decorated paperless payment document 30 is sent to the payment center 20, which pays according to the decorated paperless payment document 30.
  • the decoration service provider needs to transport the decoration materials to the landlord's shop, so the decoration service provider initiates a transportation of the crowdfunding project 51 and the decoration service provider's identification number 4111 through the crowdfunding center 50.
  • the decoration service provider sets the payment plan 31 through the plan setting unit 11.
  • the payer of the payment plan 31 is set to the decorated crowdfunding item 51 and the decoration service provider's identification number 4111, and the recipient is the identity of the decoration service provider's identification number 4111 and the transportation service provider. Identification number 4111.
  • the decoration service provider is set up to be divided into proportions.
  • the payment plan 31 is then sent to the authorization unit 13.
  • the decoration service provider and the transportation service provider edit the payment plan 31 through the authorization unit 13 to reach a consensus. After the decoration service provider and the transportation service provider authorize the payment plan 31.
  • the payment plan 31 is sent by the authorization unit 13 to the generation unit 12.
  • the generating unit 12 generates the paperless payment file 30 for transportation according to the payment plan 31.
  • the paperless payment document 30 of the shipment is sent by the generating unit 12 to the payment center 20, and the payment center 20 makes a payment based on the paperless payment file 30 being shipped.
  • the payment unit 20 uses the value constant amount paid by the customer for the crowdfunding project 51 of the paying cafe. .
  • the verification unit 22 of the payment unit 20 detects that the crowdfunding item 51 of the cafe receives the proceeds, and triggers the content acquisition unit 21 to acquire the payment plan 31 of the paperless payment file 30 of the cafe, and then the cafe's The payment plan 31 of the paperless payment file 30 is sent to the verification unit 22.
  • the verification unit 22 verifies the payment plan 31 of the paperless payment file 30 of the cafe.
  • the payer is the crowdfunding project 51 of the cafe, and the user, the landlord, the material supplier, the waiter and the pastry chef have all authorized, so the payment plan 31 of the paperless payment document 30 of the cafe is verified.
  • the payment unit 23 identifies the identity number 4111 of the user according to the payment plan 31 of the paperless payment file 30 of the coffee shop, the identity number 4111 of the landlord, and the identity of the material supplier. The number 4111, the attendant's identification number 4111, and the pastry chef's identification number 4111 are paid.
  • the verification unit 22 of the payment unit 20 detects that the identity identification number 4111 of the landlord receives the proceeds of the crowdfunding item 51 of the coffee shop, triggering the content acquisition unit 21 to acquire the decorated paperless payment file 30.
  • the payment plan 31, then the paperless payment file 30 will be renovated
  • the payment plan 31 is sent to the verification unit 22.
  • the verification unit 22 verifies the payment plan 31 of the decorated paperless payment document 30.
  • the paying party is the crowdfunding project 51 of the coffee shop, from the landlord's identification number 4111, and the landlord and the decoration service provider have authorized, therefore, the payment plan 31 of the paperless payment document 30 is renovated. approved.
  • the payment unit 23 makes a payment to the landlord's identification number 4111 and the decoration service provider's identification number 4111 according to the proportion of the payment plan 31 of the paperless payment document 30 that is decorated.
  • the verification unit 22 of the payment unit 20 detects that the identification number 4111 of the decoration receives the proceeds of the decoration of the crowdfunding item 51, triggering the content acquisition unit 21 to acquire the decorated paperless payment file 30.
  • the payment plan 31 then sends the payment plan 31 of the paperless payment document 30 to the verification unit 22.
  • the verification unit 22 verifies the payment plan 31 of the paperless payment file 30 being shipped.
  • the payer is the decorated crowdfunding project 51, from the decoration service provider's identification number 4111, and the decoration service provider and the transportation service provider have authorized, therefore, the paperless payment document for transportation
  • the payment plan 31 of 30 is verified.
  • the payment unit 23 makes a payment to the transportation service provider's identification number 4111 and the decoration service provider's identification number 4111 according to the proportion of the payment plan 31 of the paperless payment document 30 shipped.
  • FIG. 2 is a flow chart of a preferred embodiment of the crowdfunding method of the present invention.
  • the crowdfunding method of the present invention comprises the following steps:
  • Step 2001 A crowdfunding project 51 is issued through the crowdfunding center 50.
  • Step 2002 Create the corresponding paperless payment file 30 according to the crowdfunding item 51.
  • Step 2003 Pay according to the corresponding paperless payment file 30.
  • step 2002 further comprises the following steps:
  • Step 20021 setting the payment plan 31, wherein the payer is set as the corresponding crowdfunding item 51, the receiver is set as each participant of the crowdfunding item 51, and the proportion of each participant is set to make When the crowdfunding project 51 receives the proceeds, it is paid in a proportionate manner.
  • Step 20022 Each participant of the crowdfunding project 51 authorizes the payment plan 31.
  • Step 20023 Generate the corresponding paperless payment file 30.
  • the step 20021 can be replaced with the step 20021': setting the payment plan 31, wherein the payer is set to the corresponding crowdfunding item 51 and the corresponding identification number 4111 of the participant of the crowdfunding project, The receiver is set as each participant of the crowdfunding project 51, and each parameter is set.
  • the proportion of the participants is such that when the crowdfunding project 51 obtains the proceeds, the payment is made in a proportionate manner.
  • step 2003 further comprises the following steps:
  • Step 20031 Detect whether the corresponding crowdfunding project 51 receives the revenue. If the corresponding crowdfunding project 51 receives the revenue, step 20032 is performed; if the corresponding crowdfunding project 51 does not receive the revenue, the crowdfunding project is not 51 operates in response to the paperless payment file 30.
  • Step 20032 Obtain a corresponding payment plan 31 of the paperless payment file 30.
  • Step 20033 Verify the corresponding payment plan 31 of the paperless payment file 30.
  • Step 20034 Pay the received revenue according to the proportions set by the payment plan 31 corresponding to the paperless payment file 30.
  • step 20031 can be replaced with the step 20031': detecting whether the corresponding crowdfunding item 51 receives the benefit of the identification number 4111 of the participant from the corresponding crowdfunding item 51, if the corresponding crowdfunding item 51 is received. If the revenue of the user account corresponding to the participant of the crowdfunding project 51 is received, step 20032 is performed; if the corresponding crowdfunding project 51 does not receive the revenue, the crowdfunding project 51 is not operated corresponding to the paperless payment file 30. .
  • each of the proceeds obtained by the crowdfunding project 51 is paid directly by the payment center 20 in accordance with the payment plan 31 of the paperless payment document 30 of the crowdfunding project 51. Therefore, the paperless payment system of the present invention does not need to pass through a third party.
  • the paperless payment system of the present invention further includes a tax center 60 that is communicatively coupled to the crowdfunding center 50, the generating center 10, the payment center 20, and the value constant management center 40.
  • the tax center 60 provides for setting at least one set of tax rules that are taxed according to the set of tax rules set. If the user is shopping, the user uses the item purchased by the paperless payment file 30.
  • the tax center 60 determines whether the payment is subject to tax according to the tax rules of the group. If the tax is required to be paid, the payment center 20 issues a tax to the payment center 20 when the payment is processed.
  • the paperless payment document 30 is sent to the payment center 20 to provide the payment center 20 with a request to pay a tax.
  • the payment center 20 pays the tax based on the paperless document 30 for the tax payment.
  • the Tax Center 60 provides the estimated tax required during the production of the paperless payment document. The user needs to authorize the tax center 60 to access the payment plan setting unit 11 when the user makes the paperless payment file 30.
  • the tax center 60 estimates the tax to be paid according to the payment purpose and the payment amount, so that the tax that the user will pay is also Set in the payment plan.
  • the tax center manages the tax of the user according to the identification number 5111 corresponding to the user.
  • the tax center 60 provides the proportion of the tax payable when the crowdfunding project 51 obtains each proceeds according to the tax rules. .
  • the crowdfunding project 51 and each participant set the tax payable ratio to the payment plan 31 of the paperless payment document 30 of the crowdfunding project 51.
  • the crowdfunding project 51 obtains each of the proceeds, and the payment unit 23 of the payment center 20 sets the proportion of the tax payable according to the payment plan 31 of the paperless payment file 30 of the crowdfunding project 51. Pay taxes. It is worth mentioning that the fundraising project 51 pays taxes directly through the payment center 20 without going through a third party.
  • the paperless payment system of the present invention further includes a financial management center 70 that communicatively connects the payment center 20, the tax management center 60 and the value constant management center 40, respectively.
  • the payment center 20 After the payment center 20 completes the payment according to the paperless payment file 30, the payment center 20 sends a payment status receipt 71 to the financial management center 70.
  • the financial management center 70 records the payment status to the paying party's identification number 4111 and the recipient's identification number 4111 according to the payment status receipt, so that the paying party and the receiving party can understand the income and expenditure situation.
  • the financial management center 70 further organizes the revenue and expenditure of the user according to the requirements of the user.
  • the financial management center 70 manages the financial status of the user based on the identification number 4111.
  • the account management center enters the respective financial accounts according to the financial regulations according to the financial status, and completes the accounting process according to the payment status receipt and the payment identification of the payment party and the identification number of the recipient.
  • FIG. 3 is a schematic diagram of a payment scenario of a preferred embodiment of the paperless payment system of the present invention.
  • the user pays with the paperless payment document 30 at a restaurant.
  • the user identifies the biometric of the user via an identification device 221 that is communicatively coupled to the verification unit 22 of the payment center 20.
  • the identification device 221 is for identifying the biometric of the user. In this embodiment, it is the finger fingerprint of the user.
  • the restaurant provides a payment terminal 80 that is communicatively coupled to the payment center 20.
  • the payment terminal 80 has a display screen for displaying an item consumed by the user and an amount to be paid.
  • the display screen is preferably a touch screen.
  • the payment terminal 80 includes the identity recognition device 221.
  • the user places a finger on the identification device 221 for identifying the user's fingerprint.
  • the identification device 221 transmits the fingerprint information of the user to the verification unit 22.
  • the verification unit 22 searches for the identification number 4111 of the user based on the fingerprint information of the user. Then, according to the fingerprint information of the user of the user's identification number 4111, the paperless payment file is passed.
  • the module 414 finds if there is a paperless payment file 30 that has been created. If the user has the paperless payment file 30 that has been created. Then, the verification unit 22 notifies the content acquisition unit 21 to acquire the payment plan 31 of the paperless payment file 30.
  • the content acquisition unit 21 transmits the acquired payment plan 31 to the verification unit 22.
  • the verification unit 22 verifies the payment plan 31 with current payment information.
  • the payment unit 23 makes a payment according to the payment plan 31. If the user does not have the paperless payment file 30 that has been created, the payment terminal 80 displays the plan setting unit 11 of the generation center 10 for the user to set the payment plan 31, and then the generating unit 12 according to the payment plan 31. The paperless payment file 30 is generated. The paperless payment file 30 is then used for payment.
  • the payment center 23 transmits the user identification number 4111 of the user, the user identification number 4111 of the restaurant, and the user's required payment amount to the value constant management unit 42, respectively.
  • the value constant management unit 42 transfers the value constant of the credit equal to the payment amount from the user identification number 4111 of the user to the recipient's identification number 4111.
  • the tax center 60 judges that the payment is subject to tax according to the tax rules of the group.
  • the tax center 60 issues a tax-free, paper-free payment document 30 to the payment center 20 to the payment center 20 to provide the payment center 20 with a request to pay a tax.
  • the payment center 20 pays the tax based on the paperless document 30 for the tax payment.
  • the content acquisition center 11 acquires the content of the payment plan 31 of the paperless document 30 that is taxed.
  • the content acquisition center 11 obtains the identification number 4111 and the tax credit amount that the payer is for the restaurant.
  • the content acquisition center 11 transmits the acquired payment plan 31 of the paperless document 30 that has been taxed to the verification center 22.
  • the verification center 22 is authenticated and sent to the payment unit 23.
  • the payment unit 23 performs payment in accordance with the content of the payment plan 31 of the paperless document 30 that pays taxes.
  • the verification unit 22 obtains the fingerprint of the user and the identification number 4111 of the user, the verification unit 22 acquires the identification number 4111 of the restaurant.
  • the verification unit 22 then accesses the management module of the paperless payment file 30 through the content acquisition module 21 to find out whether the restaurant has the paperless payment file 30 that provides the user with a discount. If the paperless payment document 30 of the offer exists, the paperless payment file 30 of the offer is preferentially processed.
  • the content acquisition unit 11 acquires the content of the payment plan 31 of the discounted paperless payment file 30.
  • the payment plan 31 of the Liao Paperless Payment Document 30 of the offer records the content of the offer.
  • the content of the payment plan 31 of the paperless payment file 30 of the offer is 20% of the user's payment fee reduction. Then The user's payment fee reduction of 20% is transmitted to the verification unit 22. After the verification unit 22 passes the verification, the payment unit 23 executes the discounted paperless payment file 30 to reduce the user's 20% payment amount. After the payment unit 23 executes the non-paper payment file 30 of the offer, the payment terminal 80 displays a discounted payment amount to inform the user to obtain the offer. The user needs to use the identity device 221 again to confirm the payment amount after paying the offer.
  • the user shops in a store.
  • At least one payment terminal 80 is provided in the store.
  • the merchandise sold by the store is provided with at least one merchandise information provider 83 that records information of the merchandise, such as merchandise name, origin, producer, payment value constant amount, and the like.
  • the item information provider 83 is attached to the item to provide corresponding item information.
  • the product information provider 83 is an RFID (Radio Frequency Identification) tag.
  • the user uses an identification medium 84.
  • the identification medium 84 is for storing information. This information can be used for identification.
  • the identification medium includes, an implanted chip, a wearable device, a smart terminal, and the like.
  • the implanted chip can be implanted into the human body.
  • Wearable devices include smart watches, smart headbands, smart bracelets, smart accessories, smart clothes, smart shoes, and more.
  • Smart terminals include smart phones, tablets and computers.
  • the identification medium 84 is a wearable device.
  • the identification medium 84 is communicatively coupled to the verification center 20.
  • the verification unit 22 of the verification center 20 verifies the identity of the user by acquiring information on the identification medium 84.
  • the identification medium 84 can identify human health data such as body temperature, pulse, body odor, blood type, blood pressure, blood sugar and the like. And based on these health data combined with the stored information for identification.
  • the user uses a smart bracelet as the identification medium 84.
  • the smart bracelet is communicatively coupled to the verification center 20.
  • the smart bracelet provides information to assist the verification center 20 in identifying the identity of the user.
  • the item information provider 83 attached to the item transmits information leaving the shelf to the payment terminal 80.
  • the payment terminal 80 After receiving the information that the product leaves the container, the payment terminal 80 searches for the location information of the product information provider 83 at the store.
  • the payment terminal 80 confirms the location information of the user through the smart bracelet. If the item and the location information of the user are in the same location, the payment terminal 80 confirms that the user purchased the item.
  • the payment terminal 80 constructs a shopping list based on the item information and the user information.
  • the payment terminal 80 Before the user leaves the store, the payment terminal 80 provides a value constant amount that the user needs to pay. If you leave the store, you will pay. If the user walks out of the store, the payment terminal 80 sends a shopping list to the payment center 20. The payment terminal is simultaneously provided by the smart bracelet when acquiring the user location The user's information. The verification unit 22 of the verification center 20 queries whether the paperless payment file management module 414 of the merchant has the paperless payment file 30 sent by the user according to the information of the user. If there is, the payment is made according to the paperless payment file 30 of the user. A prompt message is sent to the user after the payment is completed.
  • This paperless payment file can be used for online shopping.
  • the user visits an online store to make a purchase.
  • the user creates the paperless payment file 30 for the paperless payment file 30 purchased by the online store.
  • the user sets the payment plan 31 through the solution setting unit 11.
  • the payer is set to the user's identification number 4111.
  • the recipient is set to the owner's identification number 4111.
  • the user sets the value constant amount of the payment.
  • the user further lists the purchased items and the number of items in the payment plan 31. Set two authorization payments and receive goods after payment in the payment method.
  • the two-authorized payment means that after the first authorization, the value constant management unit 42 locks a value constant amount equal to the payment amount at the user's identification number 4111, so that the store owner knows that the user has the ability to pay, And the value constant amount used for payment has been locked.
  • the user is authorized by the authorization center 13 to generate the corresponding paperless payment file 30 for online shopping according to the payment plan 31 for online shopping.
  • the generation center 12 generates a corresponding paperless payment file 30 for online shopping based on the payment plan 31 for online shopping.
  • the paperless payment document 30 for online shopping is sent to the store owner's identification number 4111.
  • the owner of the online store checks the payment plan 31 of the paperless payment file 30 for online shopping through the authorization center 13, and knows that the value constant used by the user for online shopping has been locked for payment, and the payment conditions include the goods to Attached.
  • the store owner creates a paperless payment document 30 for payment of the courier fee.
  • the store owner sets the payment plan 31 for express delivery through the payment plan setting unit 11.
  • the payer is the owner's identification number 4111.
  • the recipient is a courier service provider.
  • the store owner sets a value constant for the payment courier service.
  • the payment method is set to two authorized payment and the user receives the goods after payment.
  • the generating unit 12 Upon authorization by the store owner, the generating unit 12 generates the paperless payment file 30 for express delivery in accordance with the payment plan 31 for express delivery.
  • the paperless payment document 30 for the courier is then sent to the courier service provider.
  • the courier service provider collects the courier provided by the store owner, the courier is delivered to the user according to the address provided by the store owner.
  • the verification unit 22 of the payment center 20 receives the authorization confirmation of the user.
  • the verification unit 22 verifies the paperless payment file 30 for online shopping and the paperless payment file 30 for express delivery, respectively.
  • the payment document 30 passes the verification.
  • the payment unit 23 performs payment according to the payment plan 31 of the paperless payment file 30 for online shopping and the payment plan 31 for the paperless payment file 30 for express delivery, respectively.
  • the value constant amount locked in the user's identification number 4111 is unlocked and then paid to the store owner's identification number 4111.
  • the locked value constant amount in the store owner's identification number 4111 is unlocked and then paid to the courier service provider's identification number 4111.
  • FIG. 7 is a flow chart showing a paperless payment method of the paperless payment system of the present invention.
  • the paperless payment system of the present invention comprises the following steps:
  • Step 3001 Set at least one payment plan 31 of a paperless payment file 30.
  • the payment plan 31 provides for setting a payment source.
  • the payment source includes a value unit and a credit line. If the payment source of the payment plan 31 is set to a value unit, the value unit is used for payment. If the payment source of the payment plan 31 is set to the credit limit, the payment unit 23 uses the credit line of the user to make a payment. It is worth mentioning that the payment source can be set to a value unit and a credit line. When one of the payment sources is not sufficient to complete the payment, the other party can use the other payment source to pay the balance. For example, the payment source of the payment plan 31 is set to the value unit and the credit line, and the credit line is set as the payment source of priority use.
  • the payment unit 23 preferentially uses the credit line of the user's identification number 4111 for payment. If the credit number of the user's identification number 4111 is insufficient to complete the payment, the payment unit 23 uses the credit line of the user's identification number 4111 for payment. And the difference between the payment amount and the credit line, the payment unit 23 uses the value unit of the user to pay the difference between the payment amount and the credit line. It is worth mentioning that the payment scheme 31 can be further set as an item by the scheme setting unit 11, specifically, the right to use and/or ownership of the item.
  • the payment unit 23 uses the right and/or ownership of the item of the payer by the basic information management module 411 of the user management unit 41, respectively. , and the right to use and/or ownership of the item of the recipient is modified. If the payment plan 31 sets a payment environment, the payer needs to provide proof of the payment environment, such as providing a photo or video of the payment environment.
  • Step 3002 Set at least one verification scheme of the paperless payment file 30.
  • the solution setting unit 11 provides settings to at least one verification scheme 32.
  • the verification scheme setting module 112 of the scheme setting unit 11 at least one verification scheme 32.
  • the verification unit 22 verifies the identity based on the verification scheme 32.
  • the verification unit 22 is based on the verification scheme 32 verifying the identity information of the user of the paperless payment file 30.
  • the verification scheme 32 is for specifying the corresponding payment scheme 31.
  • the paperless payment file 30 is provided with two payment schemes 31.
  • the verification scheme setting module 112 sets two of the verification schemes 32, one of the payment schemes 31 corresponding to one of the verification schemes 32 is specified. Another such verification scheme 32 is assigned to correspond to another payment scheme 31.
  • the verification unit 22 verifies one of the verification schemes 32, if one of the verification schemes 32 passes the verification, the verification unit 22 transmits the payment scheme 31 corresponding to the verification scheme 32 to the payment unit 23.
  • the payment unit 23 executes the payment plan 31 corresponding to one of the verification schemes 32.
  • Step 3003 Authorize the payment plan 31 and/or the verification plan 32.
  • the authorization unit 13 provides authorization for the payment plan 31 and/or the verification plan 32.
  • the authorizer reviews the payment plan 31 and/or the verification plan 32 through the authorization unit 13.
  • the licensor can enter the payment scheme 31 and/or the verification scheme 32 for editing by the authorization unit 13. If the payment plan 31 and/or the verification plan 32 pass the review, the payment plan 31 and/or the verification plan 32 is authorized.
  • the payment plan 31 and/or the verification plan 32 are sent to the generating unit 12.
  • Step 3004 Generate the paperless payment file 30.
  • the generating unit 12 generates the paperless payment file 30 according to the payment plan 31 and/or the verification plan 32.
  • the paperless payment file 30 can be stored on the identification medium 84 such that the content acquisition unit 21 of the payment center 20 can retrieve the paperless payment file 30 from the identification medium 84.
  • the paperless payment file 30 can also be stored in the user management unit 41 such that the content acquisition unit 21 of the payment center 20 acquires the paperless payment file from the paperless payment file management module 414 of the user management unit 41. 30.
  • Step 3005 Acquire the payment plan 31 and/or the verification plan 32 of the paperless payment file 30.
  • the content acquisition unit 21 of the payment center 20 acquires the payment plan 31 of the paperless payment file 30.
  • the acquired payment plan 31 is sent to the verification center 22. If the paperless payment file 30 is further provided with the verification scheme 32, the content acquisition unit 21 of the payment center 20 acquires the verification scheme 32, and then transmits the verification scheme 32 to the verification unit 22.
  • Step 3006 Verify the payment plan 31 and/or the verification plan 32 of the paperless payment file 30.
  • the verification unit 22 analyzes the payment plan 31 of the paperless payment file 30 to The payment plan 31 of the paper payment file 30 acquires the current payment information by the content acquisition unit 21.
  • the paperless payment file 30 requires the user to provide information on the payment location and the purpose of payment, and the verification unit 22 acquires the location information of the payment terminal 80 through the content acquisition unit 21 to determine the payment location.
  • the verification unit 22 acquires the payment content of the payment terminal 80 through the content acquisition unit 21.
  • the verification unit 22 compares the payment plan 31 of the paperless payment file 30 with the payment place and payment content in the current payment information. If the payment place and the payment content in the current payment information meet the payment plan of the paperless payment file 30, the verification is passed.
  • the verification unit 22 matches each of the payment plans 31 based on the acquired payment information. If the payment information conforms to one of the payment plans 31, the verification unit 22 selects the payment plan 31. The payment unit 23 makes a payment in accordance with the selected payment plan 31.
  • the user provides the verification information via the payment terminal 80.
  • the verification unit 22 compares the verification scheme 22 of the paperless payment file 30 with the verification information acquired from the payment terminal 80. If the verification information conforms to the verification scheme 22 of the paperless payment file 30, the verification is passed.
  • the verification unit 22 then verifies the acquired payment information and the payment plan 31 of the paperless payment file 30. If the acquired payment information matches the payment plan 31 of the paperless payment file 30, the payment unit 23 makes a payment in accordance with the payment plan 31 of the paperless payment file 30.
  • the paperless payment file 30 includes a plurality of the payment plan 31 and a plurality of the verification plans 32, and each of the verification plans 32 corresponds to each of the payment plans 31.
  • the verification unit 22 respectively matches each of the verification schemes 32 according to the verification information. If the verification information matches one of the verification schemes 32, the verification unit 22 selects the payment scheme 31 corresponding to the verification scheme 32 and performs verification with the payment information. If the payment information conforms to the corresponding payment plan 31, the payment unit 23 makes a payment according to the corresponding payment plan 31.
  • Step 3007 Payment is made according to the payment plan 31 of the paperless document 30 that has been verified.
  • the payment unit 23 makes a payment based on the payment source set by the payment plan 31 of the paperless payment file 30. If the payment source is set to a value constant.
  • the value constant management unit 42 sets the value equal to the value constant of the payment amount from the payer's identification number based on the payee's identification number 4111, the recipient's identification number 4111, and the payment amount acquired from the payment center 23. 4111 is drawn to the recipient's identification number 4111 to complete the payment. If the payment source is set to a credit line.
  • the payment center 23 transmits the payee's identification number 4111, the recipient's identification number 4111, and the payment amount to the credit unit 43, respectively.
  • the credit unit 43 deducts the value constant amount of the corresponding payment amount from the credit line corresponding to the payee's identification number 4111 according to the payer's identification number 4111 and the payment amount. After the payment center 23 knows that the credit unit 43 has completed deducting the payee's identification number 4111, the payment center 23 sends an adjustment identification number 4111 information to the value constant management unit 42 to adjust the value of the recipient. Constant amount.
  • the adjustment identification number 4111 includes the recipient's identification number 4111.
  • the value constant management unit 42 increases the value constant amount of the recipient's identification number 4111 based on the recipient's identification number 4111 and the payment amount by a value constant equal to the amount of the payment amount.
  • the payment center 23 transmits the payee's identification number 4111, the recipient's identification number 4111, and the payment amount to the credit unit 43.
  • the credit unit 43 adjusts the credit line of the payer identification number 4111 based on the payer identification number 4111, the payment amount, and the recipient's identification number 4111. If the credit line of the payer identification number 4111 is insufficient to pay the payment amount, the credit unit 43 transmits the difference between the credit line of the payer identification number 4111 and the payment amount to the payment unit 23.
  • the payment unit 23 transmits to the value constant management unit 42 the difference between the credit line of the payer identification number 4111 and the payment amount, the payer identification number 4111, and the recipient's identification number 4111.
  • the value constant management unit 42 deducts the value constant amount corresponding to the payer's identification number 4111 from the difference between the credit line of the payer identification number 4111 and the payment amount.
  • the payment unit 23 sends an adjusted identification number 4111 information.
  • the value constant management unit 42 is added to adjust the value constant of the recipient.
  • the adjustment identification number 4111 includes the recipient's identification number 4111.
  • the value constant management unit 42 increases the value constant amount of the recipient's identification number 4111 based on the recipient's identification number 4111 and the payment amount by a value constant equal to the amount of the payment amount.
  • the payment source can be set as the right to use and/or ownership of the item.
  • the payment unit 23 individually adjusts the payer to the payee by the basic management module 41 of the user management unit 41. The right to use and/or ownership of the item and the right to use and/or ownership of the item by the recipient.
  • the present invention provides for generating the paperless payment file during the shopping process.
  • the identity information of the user and the current location information of the user are provided by the identification medium 84 carried by the user.
  • the identity information of the user and the current location information of the user are transmitted to the verification unit 22 by the content acquisition unit 21. That is, the content acquisition unit 21 acquires the user identity information and the current location information of the user from the identification medium, and then transmits the information to the verification unit 22. It is worth mentioning that the current location information of the user is converted into the address information of the store.
  • the verification unit 22 accesses the paperless payment file management module 414 according to the identity information of the user. Further, the identity information of the user is the identity code 4111 of the user.
  • the verification unit 22 searches the paperless payment file management module 414 based on the current location information of the user and the user identification number 4111 for whether or not the paperless payment file 30 is used at the current location of the user. It is worth mentioning that the current location information of the user is converted into the address information of the store. That is, the verification unit 22 searches the paperless payment file management module 414 based on the current address information of the user and the user identification number 4111 for whether or not the paperless payment file 30 is used at the current location of the user.
  • the verification unit 22 searches for the corresponding identity information of the seller according to the user location information. Further, the identity information of the seller is the identification number 4111. The verification unit 22 searches the paperless payment file management module 414 for the paperless payment file 30 in which the payer is set to the user identity information and the payment location is the user's current location information. If there is a paperless payment file 30 in which the payer is set to the user identity information and the payment location is the current location information of the user, then the presence payer is set to the user identity information and the payment location is the user's current location information. Paper payment document 30.
  • the verification unit 22 searches the payer for the user identity information and the recipient is the seller identity information.
  • the paperless payment file 30 If the paper is out of paper
  • the payment file management module 414 has the paperless payment file 30 in which the payer is the user identity information and the recipient is the seller identity information, and the paperless payment file is used by the payer as the user identity information and the recipient is the seller identity information. 30 to make a payment. If the paperless payment file management module 414 does not have the paperless payment file 30 for which the payer is the user identity information and the recipient is the seller identity information, then the step is performed: 4002.
  • the content obtaining module 21 acquires the identity code 4111 of the user and the identity code 4111 of the seller from the verification module 22, and then transmits the identity code 4111 of the user and the identity code 4111 of the seller to This scheme sets the unit 11.
  • the plan setting unit 11 edits the payment plan 31 based on the identification code 4111 of the user and the identification code 4111 of the seller. Specifically, the scheme setting unit 11 establishes the payment scheme 31 based on the identification code 4111 of the user. In the payment scheme 31, the payer is set as the identification code 4111 of the user, and the recipient is set as the identification code 4111 of the seller.
  • the identification medium 84 carried by the user acquires corresponding item information from the item information provider 83.
  • the item information provider 83 can provide location information of the item.
  • the payment terminal 80 can confirm the location information of the commodity and the identity information and location information of the user by calling the peripheral device. Such as a camera. It is worth mentioning that the payment terminal 80 can obtain the identification number of the user and the location information of the user in the store through the identification medium 84.
  • the identification medium 84 acquires the corresponding item information from the item information provider 83. Further, the identification medium 84 sends the product information, the identity information of the user, and the current location information to the verification module 22 through the content acquisition module 21. After verification by the verification module 22, the current location information is identified to the seller's identification information 4111, and the user's identity information is identified as the user's identification number 4111.
  • the item information, the identification information 4111 of the user, and the identification information 4111 of the seller are transmitted to the plan setting unit 11 through the content acquisition module 21.
  • the plan setting unit 11 adds the item information to the corresponding payment plan 31 based on the item information, the identity identification information 4111 of the user, and the identity identification information 4111 of the seller.
  • This item information serves as a payment item for the payment plan 31.
  • the identification terminal 80 detects the positional relationship between the item position and the user. Specifically, the identification terminal 80 provides location information of the item corresponding to the item information provider 83 and position information of the identification medium 84 carried by the user.
  • the identification medium 84 carried by the user can obtain the location information of the commodity corresponding product information provider 83 from the identification terminal 80 and the user The location information of the identification medium 84 carried. If the distance between the location of the commodity corresponding product information provider 83 and the location of the identification medium 84 carried by the user is within a preset value or equal to a preset value, the payment terminal 80 positions the commodity. The location of the user is considered to be the same location.
  • the identification terminal 80 further confirms the positional relationship between the item and the user.
  • the identification terminal 80 confirms the item at the same position as the user as the item purchased by the user.
  • the identification terminal 80 transmits the ID card 4111 of the user, the item information, and the ID card 4111 of the seller to the verification unit 22.
  • the content acquisition unit 21 transmits the ID card identification number 4111 of the user, the item information, and the ID card identification code 4111 of the seller to the plan setting unit 11.
  • the solution setting unit 11 further checks the user's ID card 4111, the item information, and the seller's ID card 4111.
  • the item information set in the payment item is not in the item information provided by the content acquisition unit 21, the item information set by the payment item is deleted. If the item information not present on the payment item appears in the item information provided by the content acquisition unit 21, the item information is added to the payment item.
  • the plan setting unit 11 transmits the payment plan 31 to the generating unit 12.
  • the generating unit 12 generates the paperless file 30 based on the payment plan 31.
  • the paperless document 30 is then sent to the paperless payment file management module 314. Further, a preset confirmation area is set at the store door.
  • the payment terminal 80 acquires the location of the commodity through the commodity information provider 83, and the payment terminal 80 acquires the location of the user through the identification medium 84. If the user carries the purchased item within the preset confirmation range, the payment terminal 80 confirms that the user purchases the carried item. The payment terminal 80 constructs a shopping list based on the item information and the user information. Before the user leaves the store, the payment terminal 80 provides a value constant amount that the user needs to pay. If you leave the store, you will pay. If the user walks out of the store, the payment terminal 80 sends a shopping list to the payment center 20. The payment terminal also provides information of the user obtained through the smart bracelet when acquiring the user location.
  • the verification unit 22 of the verification center 20 queries whether the paperless payment file management module 414 of the merchant has the paperless payment file 30 sent by the user according to the information of the user. If there is, the payment is made according to the paperless payment file 30 of the user. A prompt message is sent to the user after the payment is completed.
  • central and “unit” as used herein may include software, hardware, or a combination thereof in accordance with the context in which the term is used.
  • the software can be machine code, firmware, embedded code, and application software.
  • the hardware can be a circuit, a processor, a computer, an integrated circuit, an integrated circuit core, a microelectromechanical system (MEMS), a passive device, or a combination thereof.
  • MEMS microelectromechanical system

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Abstract

一无纸支付系统，包括一支付中心，该支付中心根据预设的一无纸支付文件进行支付，其中，该无纸支付文件进一步包括至少一支付方案，该支付中心验证当前支付信息与该无纸支付文件的该支付方案，若当前支付信息符合该支付方案，该支付中心根据该无纸支付文件的该支付方案进行支付。

Description

无纸支付系统及其方法 技术领域
本发明涉及支付系统，特别涉及一种无纸支付系统及其方法，该无纸支付系统通过预先生成一无纸支付文件供设置支付方案，支付过程需要符合该支付方案才进行支付。
背景技术
货币是常用的支付工具，尤其是纸币。人们在使用纸币支付时，卖家告知买家所购卖的商品的价格。然后买家从纸币中选择根据商品的价格，选择对应的面额的纸币交给卖家。若，买家所选择的纸币的面额等于商品的价格，该支付完。若买家所选择的纸币的面额大于商品的价格，则卖家需要与差价对应额度的纸币返回给买家，支付完成。在用纸币支付的过程中，买家和卖家都需要核实纸币的面额，都需要识别纸币的真伪。这就要求买卖双方都具有识别纸币真伪的能力，增加使用纸币作为支付工具的成本。纸币具有固定的面额，当支付的额度超过纸币的面额时，买家需要计算出需要支付该种面额的纸币的数量。当支付的金额具大时，携带、核实和识别纸币的真伪的工作量大。这种情况下，支付成本耗费大。
信用卡是另一种支付工具。与使用纸币支付相比，信用卡携带方便，不需要清点金额。在使用信用卡支付的过程中，通过读卡器读取信用卡上的信息，然后买家输入密码或不输入密码，最后买家签名以完成支付。信用卡虽然使用方便，但是若信用卡的资料被盗取，买家的签名被冒签，则给发卡银行造成更大的损失。因为识别盗用的信用卡需要更高的识别能力，而且一般的商户不具备识别盗用的信用卡的能力。而提高商户识别盗用的信用卡的能力，会增加支付成本。此外，获得信用卡是需要资信审查的，若没有通过资信审查，则不能获取信用卡，也没法享受信用卡的便利。但是，资信审查是需要耗费成本的。而且，若资信审查有缺失则给发卡机构带来损失，但资信审查越仔细，所耗费的成本也就越高。资信审查的成本最终会转嫁至使用者，提高了使用者使用信用卡的支付成本。
现在，中小企业贷款难的其中一个原因在于货款的用途难以监管。企业主以一个项目的名义申请贷款，但是获得的贷款却不是用于该项目，以致于收不回贷款，造成损失。现在的情况是，在发放贷款之前，通过诚信审查和项目评估来审核。但是也只能做到贷款前的审核，贷款之后，还是监管不了贷款的用途。但是诚信审查和项目评估已经耗费了高成本，但是避免不了损失。因此，银行都不愿意给中小企业货款。如何解决监管贷款用途，现在还没有好的解决方案。
号码与生活紧密相连，人一出生就与号码打交道：出生证号。接着是身份证号。上学需要学生证号，毕业了有毕业证号。不同的学习阶段毕业，毕业证的号码也不相同。去银行存款需要银行卡号码或存折号码。银行不同的业务，银行卡号也不同。去超市购物有优惠卡号码。形形式式的号码无形中增加了管理的困难，而且给生活带来了不便，甚至带来了困扰。人们需要分清各种号码对应的功能，费时费力。如果用一个号码实现上述号码的功能，则能给生活带来极大的便利，但是，现在没有这样的号码。
发明内容
本发明的一个目的在于提供一无纸支付系统，该无纸支付系统提供一无纸支付文件供预设至少一支付方案。
本发明的另一个目的在于提供一无纸支付系统，该无纸支付系统通过验证所获取的该无纸支付文件所预设的支付方案进行支付。
本发明的另一个目的在于提供一无纸支付系统，该无纸支付系统以价值常量作为支付单位。
本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付文件提供至少一支付方案和至少一验证方案，该无纸支付系统验证该支付方案与当前支付信息，以及验证该验证方案与支付者的身份。
本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付系统提供一生成中心生成该无纸支付文件。
本发明的另一个目的在于提供一无纸支付系统，其中，该生成中心提供 一方案设置单元，该方案设置单元提供设置该支付方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该方案设置单元提供设置所述验证方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该生成中心提供一生成单元，该生成单元根据所设置的该支付方案生成该无纸支付文件。
本发明的另一个目的在于提供一无纸支付系统，其中，该生成中心提供一生成单元，该生成单元根据所设置的该支付方案和该验证方案生成该无纸支付文件。
本发明的另一个目的在于提供一无纸支付系统，其中，该生成中心提供一授权单元，该授权单元提供该用户审核该支付方案和该验证方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付系统提供一支付中心，该支付中心验证该支付方案与当前支付信息，若当前支付信息符合该支付方案，则进行支付。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付中心验证该验证方案与该支付者的身份信息，若该支付者的身份信息符合该验证方案，则进行支付。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付中心提供一内容获取单元，该内容获取单元获取该无纸支付文件的该支付方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付中心提供一内容获取单元，该内容获取单元获取该无纸支付文件的该验证方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付中心提供一验证单元，该验证单元验证当前支付信息与该支付方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付中心提供一验证单元，该验证单元验证支付者的身份信息与该验证方案。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付中心提供一支付单元，该支付单元根据该无纸支付文件的该支付方案进行支付。
本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付系统进一步提供一价值常量管理中心，该价值常量管理中心管理各用户的价值常量。
本发明的另一个目的在于提供一无纸支付系统，其中，该价值常量管理 中心为各用户分配对应的一身份识别号，该价值常量管理中心根据该身份识别号管理对应用户的价值常量。
本发明的另一个目的在于提供一无纸支付系统，其中，该价值常量管理中心进一步提供一用户管理单元，该用户管理单元管理用户的基本信息。
本发明的另一个目的在于提供一无纸支付系统，其中，该用户管理单元为各用户分配对应的该身份识别号。
本发明的另一个目的在于提供一无纸支付系统，其中，该价值常量管理中心进一步提供一价值常量管理单元，该价值常量管理单元根据该用户的身份识别号管理用户的价值单位。
本发明的另一个目的在于提供一无纸支付系统，其中，该价值常量管理中心提供一信贷单元，该信贷单元根据该身份识别号分别设置对应的用户的预设信贷额度。
本发明的另一个目的在于提供一无纸支付系统，其中，该支付方案提供设置使用用户的预设信贷额度进行支付。
本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付系统提供一众筹中心，该众筹中心提供发布至少一众筹项目，通过设置该众筹项目的该无纸支付文件，该支付中心根据该众筹项目的该无纸支付文件对该众筹项目的参与者进行支付。本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付系统提供一税务中心，该税务中心判断通过该无纸支付文件进行支付是否需要缴税。若需要缴税则该税务中心向该支付中心发送一付税的无纸支付文件，该支付中心执行该无纸支付文件以完成支付，该支付中心执行付税的该无纸支付文件以缴付税款。
本发明的另一个目的在于提供一无纸支付系统，其中，该无纸支付系统进一步提供一账务管理中心，在使用该无纸支付文件完成支付后，该支付中心向该账务管理中心发送一支付情况回执，该账务管理中心根据用户的该身份识别号记录对应的用户的支付情况。
为了实现上述目的，本发明提供一无纸支付系统，包括：
一支付中心，该支付中心根据预设的一无纸支付文件进行支付，其中，该无纸支付文件进一步包括至少一支付方案，该支付中心验证当前支付信息与该无纸支付文件的该支付方案，若当前支付信息符合该支付方案，该支付 中心根据该无纸支付文件的该支付方案进行支付。本发明无纸支付系统，进一步包括：
一生成中心，该生成中心生成该无纸支付文件，其中，该生成中心供设置至少一该支付方案，该生成中心根据设置的该支付方案生成该无纸支付文件。
其中，该无纸支付文件进一步包括至少一验证方案，该生成中心提供设置至少一该验证方案，以使得该支付中心根据该验证方案验证支付者的身份信息，其中，若该支付者的身份信息符合该验证方案，则该支付中心根据该无纸支付文件的该支付方案进行支付。
其中，该生成中心进一步包括一支付方案设置单元和一生成单元，该支付方案设备单元通信地连接该生成单元，该支付方案设置单元设置该支付方案，该生成单元根据所述支付方案生成所述无纸支付文件。
其中，该支付中心进一步包括互相通信地连接的一内容获取单元、一验证单元和一支付单元，其中，该内容获取单元获取该无纸支付文件的该支付方案和当前支付信息，并将该无纸支付文件的该支付方案和当前支付信息发送至所述验证单元，其中，该验证单元验证当前支付信息是否符合该无纸支付文件的该支付方案，若当前支付信息符合所想无纸支付文件的该支付方案，则该支付单元根据该无纸支付文件的该支付方案进行支付。
其中，该支付方案设置单元提供设置所述验证方案，该验证单元根据该验证方案验证该无纸支付文件的该授权人的身份，若该验证单元确认该授权人的身份，则该无纸支付文件获得授权，该支付单元根据该无纸支付文件的该支付方案进行支付。
其中，该生成中心进一步包括一授权单元，该授权单元分别通信地连接该方案设置单元和该生成单元，其中，该用户通过该授权单元审核该支付方案，若该支付方案通过该用户的审核，该支付方案被发送至该生成单元，该生成单元根据该支付方案生成该无纸支付文件。
本发明无纸支付系统，进一步包括一价值常量管理中心，该价值常量管理中心分别通信地连接该生成中心和该支付中心，其中，该价值常量管理中心以身份识别号的方式管理用户所拥有的价值常量，其中该无纸支付系统以价值常量进行支付。
其中，该价值常量管理中心进一步包括一用户管理单元和一价值常量管理单元，该用户管理单元管理该用户的信息，其中，该用户管理单元为各用户分配对应的账号，该价值常量管理单元根据该用户对应的账号管理该用户拥有的价值常量。
本发明进一步提供另一无纸支付系统，包括：
一价值常量管理中心，该价值常量管理中心为各用户分别分配对应的一身份识别号，该价值常量管理中心根据各该身份识别号管理对应用户的价值常量；和
一支付中心，该支付中心分别通信地连接该价值常量管理中心，该支付中心根据预设的一无纸支付文件进行支付，其中，该无纸支付文件包括至少一支付方案，该支付中心验证当前支付信息与该无纸支付文件的该支付方案，若当前支付信息符合该无纸支付文件的该支付方案，则该支付中心根据该无纸支付文件的该支付方案进行支付，其中，该支付中心在支付过程中，该价值常量管理中心根据该无纸支付文件的该支付方案所设置的该支付者的该身份识别号和该接收者的该身份识别号分别调整支付者所拥有的价值常量额度和接收者所拥有的价值常量额度，以将与该无纸支付文件中所设置的支付额度等额度的价值常量从该支付者的该身份识别号划拔至该接收者的身份识别号。
其中，本发明无纸支付系统进一步包括：
一生成中心，该生成中心生成至少一该无纸支付文件，该生成中心通信地连接该支付中心，其中，该生成中心供设置该支付方案，然后根据该支付方案生成该无纸支付文件。
其中，所述价值常量管理中心进一步包括一用户管理单元和一价值常量管理单元，该用户管理单元为各用户分配对应的所述身份识别号，该价值常量管理单元根据该身份识别号管理对应用户的价值常量。
其中，该价值常量管理中心进一步包括一信贷单元，该信贷单元根据该身份识别号管理对应用户的信贷额度，其中，该用户的信贷额度通过被设置于该无纸支付文件的该支付方案，以使得该用户的信贷额度通过该支付中心被用于支付。
。
其中，本发明无纸支付系统进一步包括一众筹中心，该众筹中心根据该用户的该身份识别号管理该用户发布的该众筹项目，其中，该众筹中心提供发布至少一众筹项目，该生成中心根据该众筹项目设置该众筹项目的该支付方案，并根据该众筹项目的该支付方案生成该众筹项目的该无纸支付文件，其中，该众筹项目获得的每一笔收益，该支付中心根据该众筹项目的该无纸支付文件的该支付方案中所设置的各参与者的分配比例，分别支付至各参与者的身份识别号。
其中，本发明无纸支付系统进一步包括一税务中心，该税务中心分别连接该众筹中心、该生成中心、该支付中心和该价值管理中心，该税务中心根据该用户的该身份识别号管理该用户应缴交的税款，其中，该税务中心设置至少一税务规则，该税务中心判断通过该无纸支付文件进行支付时是否符合所设定的该税务规则，若符合，则该税务中心根据该税务规则在使用该无纸支付文件进行支付时支付对应的应缴交的税款。
其中，本发明无纸支付系统，进一步包括一账务管理模块，该账务管理模块分别通信地连接该支付中心，该税务管理中心和该价值管理中心，其中，该账务管理模块和该用户的该身份识别号管理用户的账务状况，该支付中心根据该无纸支付文件完成支付后，该支付中心向该账务管理中心发送一支付情况回执，其中，该账务管理中心根据该支付情况回执分别向该支付方的身份识别号和该接收方的身份识别号记录支付情况。
本发明进一步提供一无纸支付方法，包括以下步骤：
1、获取一无纸支付文件的一支付方案和当前支付信息。
2、验证当前支付信息和该无纸支付文件该支付方案，若当前支付信息符合该无纸支付文件的该支付方案，则执行步骤3，若当前支付信息不符合该无纸支付文件的该支付方案则停止支付。
3、根据该无纸支付文件的该支付方案进行支付。
在步骤1和步骤2之间进一步包括步骤1B：获取该无纸支付文件的一验证方案，以及验证该验证方案与支付者的身份信息，若支付者的身份信息符合验证方案则执行步骤2，若支付者的身份信息不符合该验证方案，则停止支付。
在步骤1之前进一步包括步骤1A：生成一无纸支付文件。
步骤1A进一步包括以下步骤：
1A.1设置至少一该支付方案。
1A.2根据该支付方案生成该无纸支付文件。
在步骤1A.2可被替换为步骤1A.3：设置至少一验证方案，根据该支付方案和该验证方案生成该无纸支付文件。
本发明进一步提供一无纸信贷额度调整方法，包括以下步骤：
步骤A1：设置借贷的该支付方案和还贷的该支付方案。
步骤A2：授权借贷的该支付方案和还贷的该支付方案。
步骤A3：该生成单元根据借贷的该支付方案和还贷的该支付方案，生成该无纸支付文件。
步骤A4：该内容获取单元获取该无纸支付文件的借贷的该支付方案。
步骤A5：该验证单元验证该借贷的该支付方案是否获得授权，若获得授权则执行步骤A6。若没有获得授权，则终止执行。
步骤A6：该支付单元根据借贷的该支付方案执行该无纸支付文件。
步骤A7：该信贷单元根据借贷的该支付方案分别调整借方的身份识别号的信贷额度和贷方的身份识别号的信贷额度，并根据根据借贷的该支付方案31的借贷用途在借方的身份识别号标记所获得的信贷额度的用途。
步骤A8：监管借方所获得的信贷额度的用途。
步骤A9：该内容获取单元获取该无纸支付文件的还贷的该支付方案。
步骤A10：该验证单元验证该还贷的该支付方案是否获得授权，若获得授权则执行步骤A6。若没有获得授权，则终止执行。
步骤A11：该支付单元根据还贷的该支付方案执行该无纸支付文件。
本发明进一步提供一众筹方法，包括以下步骤：
步骤B1：通过该众筹中心发布一众筹项目。
步骤B2：针对该众筹项目制作对应的该无纸支付文件。
步骤B3：根据对应的该无纸支付文件进行支付。
其中，该步骤B2进一步包括以下的步骤：
步骤B2.1：设置该支付方案，其中，该支付方设置为对应的该众筹项目，该接收方设置为该众筹项目的各参与者，且设置各参与者的分成比例，以使得当该众筹项目获得的每一笔收益后按分成比例进行支付。
步骤B2.2：该众筹项目的各参与者授权该支付方案。
步骤B2.3：生成对应的该无纸支付文件。
其中，该步骤B2.1可被替换为步骤B2.1”:设置该支付方案，其中，该支付方设置为对应的该众筹项目和对应的该众筹项目的参与者的身份识别号，该接收方设置为该众筹项目的各参与者，且设置各参与者的分成比例，以使得当该众筹项目获得每一笔收益均按分成比例进行支付。
其中，该步骤B3进一步包括以下步骤：
步骤B3.1：检测对应的该众筹项目是否接收收益，若对应的该众筹项目接收了收益，则执行步骤B3.2；若对应的该众筹项目没有接收收益，则不对该众筹项目对应无纸支付文件进行操作。
步骤B3.2：获取对应的该无纸支付文件的支付方案。
步骤B3.3：验证对应的该无纸支付文件的支付方案。
步骤B3.4：根据对应的该无纸支付文件的支付方案所设定的分成比例支付所接收收益。
本发明无纸支付系统的优势在于，在使用该无纸支付文件支付时，当前支付信息需要与该无纸支付文件的支付方案进行验证。若当前支付信息不符合该无纸支付文件的支付方案，则无法支付。以这样的方式，从出口对资金的流向进行控制，以避免资金被用于其它用途。而且，使用该无纸支付系统，无需进行资信审查，从而节约了支付成本。而且使用时，用户只需要提供本人身份信息，便可以使用无纸支付系统进行支付，简单方便。此外，使用本发明无纸支付系统，商户给予用户的各种优惠都以无纸支付文件体现。用户不需要携带各种优惠劵和优惠卡。用户的身份识别号是可公开的，商户根据用户的身份识别号制作对应的优惠的无纸支付文件。免除了用户管理优惠劵和优惠卡的困扰。本发明无纸支付系统，用户无需资信审查，即享有预设的信贷额度，降低支付成本。本发明无纸支付系统进一步提供通过无纸支付文件的众筹方法，以使得当用户缺乏资金，也可以创业。降低创业的门槛。而且，该众筹项目获得的每一笔收益，通过该支付中心根据该众筹项目的该无纸支付文件的该支付方案所设置的各参与者的分配比例支付。支付过程只经过该支付中心，而无需经过第三方。
该用户在编辑该无纸支付文件的该支付方案时，该税务中心根据在该支 付方案时所设置的支付目的和支付额度，提示该用户应该缴纳的税款。该用户将应该缴纳的税款也设置于该支付方案。该生成中心根据该支付方案生成该无纸支付文件。当该无纸支付文件被用于支付时，该支付中心根据所设置的缴纳的税款进行缴税。若该无纸支付文件没有设置缴税，则该税务中心判断使用该无纸支付文件支付是否符合缴税的税务规则。若符合，则该税务中心根据该税务规则在该无纸支付文件被使用时同时支付对应的应缴纳的税款。
本发明无纸支付系统的该账务管理模块，根据该支付情况回执分别向该支付方的身份识别号和该接收方的身份识别号记录支付情况，按照财务规定进入各自的财务科目。该账务管理模块可根据会计的需求对用户的收支情况进行处理，以实现会计职能。
附图说明
图1为本发明无纸支付系统的一优选实施例的结构框图。
图2为本发明无纸支付系统的一优选实施例的一众筹方法的流程图。
图3为本发明无纸支付系统的一优选实施例的一支付场景的示意图。
图4至图5为本发明无纸支付系统的另一优选实施例的支付场景的示意图。
图6所示的是本发明无纸支付系统的一优选实施例的一无纸信贷额度调整方法的流程图。
图7为本发明无纸支付系统的一无纸支付方法的流程图。
具体实施方式
根据本发明的权利要求和说明书所公开的内容，本发明的技术方案具体如下文所述。图1所示的是本发明无纸支付系统的一优选实施例的结构框图。本发明无纸支付系统包括一生成中心10和一支付中心20。该生成中心10通信地连接该支付中心20。该生成中心10供预设至少一支付方案31，然后根据预先设置该支付方案31生成一无纸支付文件30，以使得该无纸支付文件30用于支付。当该无纸支付文件30用于支付时，该支付中心20获取该 无纸支付文件30的预设的该支付方案31，然后该支付中心20对该无纸支付文件30的预设的该支付方案31进行验证。若该无纸支付文件30的预设的该支付方案31通过验证，则该支付中心20进行支付。该无纸支付文件30可被应用于智能终端，如电脑、笔记本电脑、智能手机、智能手表、智能眼镜或智能手环等。该无纸支付文件30通过通信网络被发送至智能终端，以通过智能终端使用该无纸支付文件30。
该生成中心10进一步包括一支付方案设置单元11和一生成单元12。该支付方案设置单元11通信地连接该生成单元12。该支付方案设置单元11设置该支付方案31。该支付方案31包括预设支付额度、预设支付目的、预设支付时间、预设支付地点、预设支付者、预设接收者和预设支付终端等。预设支付额度是指该无纸支付文件30提供的支付额度。预设支付目的是指预设支付额度的支付用途，如购物、支付房租或押金等。若预设支付目的被编辑，则使用该无纸支付文件30进行支付时，该支付中心20验证所述预设支付目的是否与当前支付目的匹配。若所述预设支付目的与当前支付目的不一致，则该支付中心20拒绝使用该无纸支付文件30进行支付。预设支付时间是指该无纸支付文件30只能在预设的时间点或时间段进行支付。不在预设支付时间内，该无纸支付文件30不能用于支付。所述预设支付地点是指使用该无纸支付文件30的地点或区域。若支付发生在预设支付地点之外，该无纸支付文件30则无法被用于支付。预设支付者是指使用该无纸支付文件30进行支付的人。当该无纸支付文件30进行支付时，该支付中心20验证当前支付者是否为预设支付者。若当前支付者不是预设支付者，则当前支付者无法使用该无纸支付文件30进行支付。值得一提的是，预设支付者可预设一个或多个支付者。当预设支付者为多个支付者时，多个支付者共享支付额度。预设接收者是指该无纸支付文件30的支付对象。若预设接收者不是当前的支付对象，则停止支付。预设支付终端是指该无纸支付文件30被绑定于预设支付终端。只有通过预设支付终端使用该无纸支付文件30，该支付中心20才进行支付。也就是说，通过其他支付终端该无纸支付文件30也无法进行支付。值得一提的是，支付方案设置单元11可供设置该支付方案11是否可撤销。若该支付方案11被设置可撤销或更改，则该支付方案11未被使用之前，该支付方案11均可被撤销或更改。若该支付方案11正在被使 用或已经被使用，则该支付方案11不能被撤销或更改。
该支付方案11被设置完成之后，该无纸支付文件30的该支付方案11被该支付方案设置单元11发送至该生成单元12。该生成单元12根据所设置的该支付方案31通过编码和/或加密的方式生成该无纸支付文件30。该无纸支付文件30可被展示为支付码，如二维码，二维时间码、立体码或立体时间码等。所述二维时间码是指该二维码可增加时间记录，如记录二维码的生成时间、支付时间和接收时间等。所述立体码是指该支付码可以立体的形式展示，从而记录更多的支付内容。所述立体时间码是在所述立体码的基础上进一步记录立体码的生成时间，支付时间和接收时间。值得一提的是，该无纸支付文件30可被展示为5秒以内的视频。也就是说，该生成单元12根据支付内容通过编码和/或加密的方式生成一个5秒以内的视频。优选地，该生成单元12根据支付内容通过编码和/或加密的方式生成一个时间为1秒的视频。该无纸支付文件30也可被展示为图片。
该支付中心20进一步包括互相通信地连接的一内容获取单元21、一验证单元22和一支付单元23。当使用该无纸支付文件30进行支付时，该内容获取单元21获取该无纸支付文件30的该支付方案31的内容，然后将所获取的该无纸支付文件30的该支付方案31的内容发送至该验证单元22。此外，该内容获取单元21可进一步获取当前支付信息，如当前支付目的、当前支付地点、当前支付时间和当前支付额度等。然后该内容获取单元21将所获取的当前支付信息发送至该验证单元22。该验证单元22对该无纸支付文件30的该支付方案31的内容和和当前支付信息进行验证。若当前支付信息符合该无纸支付文件30的该支付方案11的内容，则该验证单元22发送一确认支付信息至该支付单元23。该支付单元23接收该确认支付信息，则进行支付。若当前支付信息不符合该无纸支付文件30的预设支付内容，该验证单元22向该支付单元23发送一终止支付信息。该支付单元23接收该终止支付信息则取消支付。
值得一提的是，该支付方案设置单元11可预设验证内容以验证使用该无纸支付文件30的支付者的身份。该支付方案设置单元11进一步包括一支付方案设置模块111和一验证方案设置模块112。该支付方案设置模块111通信地连接该验证方案设置模块112。该支付方案设置模块111供设置该支 付方案31。该验证方案设置模块112可供设置至少一验证方案32以识别该无纸支付文件的该使用者。该验证方案32可供设置使用者的生物特征，如，指纹、掌纹、瞳孔、瞳距、声纹、脸谱、指骨或头骨等。该验证方案32可进一步设置验证动作，如，支付者通过握持设置有陀螺仪的该智能终端做动作，该验证方案设置模块112通过陀螺仪记录该使用者的动作信息。该验证方案设置模块112设置该验证方案32时可从生物特征和验证动作中选择一项或多项作为该验证方案32。所述该无纸支付文件30包括该支付方案31和该验证方案32。
该无纸支付生成中心10进一步包括一授权单元13，该授权单元13分别通信地连接该支付方案设置单元11和该生成单元12。该无纸支付文件30的预设内容设置完成之后，该支付方案设置单元11将该无纸支付文件30的该支付方案31传送至该授权单元13。授权者通过该授权单元13审核该无纸支付文件30的该支付方案31。若授权者审核通过该无纸支付文件30的该支付方案31，该授权单元13将该无纸支付文件30的该支付方案31传送至该生成单元12。该生成单元12根据该无纸支付文件30的该支付方案31生成对应的该无纸支付文件30。值得一提的是，通过该授权单元13，该无纸支付文件30的预设内容不需要支付者本人进行编辑，可通过其它人协助编辑，而支付者只需要进行授权操作，从而大大增加无纸支付文件30的灵活性。
若该无纸支付文件30包括该支付方案31和该验证方案32，则该支付中心20的该验证单元22需要验证该支付方案31和该验证方案32。当该无纸支付文件30的该支付方案31和该验证方案32都通过验证，该支付单元23根据该无纸支付文件30的该支付方案31进行支付。
该无纸支付系统进一步包括一价值常量管理中心40。该价值常量管理中心40分别地通信地连接该生成中心10和该支付中心20。该价值常量管理中心40供管理用户拥有的价值常量。所述价值常量是指一种常量，例如π。优选地，本发明无纸支付系统使用价值常量进行支付。该价值常量管理中心40进一步包括一用户管理单元41和一价值常量管理单元42。优选地，该用户管理单元41为每一个用户分配对应的一身份识别号4111以区分各用户的身份。该用户管理单元41根据该身份识别号管理对应的用户信息。优选地， 该身份识别号4111可被公开。优选地，该身份识别号4111可被修改。该价值常量管理单元42根据该身份识别号4111管理对应的用户的价值常量额度。如增加该身份识别号4111对应的用户的价值常量、减少该身份识别号4111对应的用户的价值常量，将其中一个身份识别号4111的价值常量转移至另一个身份识别号4111的价值常量等。值得一提的是，本发明无纸支付系统使用用户的生物特征进行登录。所述的生物特征包括指纹、瞳距、视网膜、声纹和脸谱等。该用户可设置采用其中的一种或多种生物特征登录系统。优选地，本发明无纸支付系统不记录密码，当该用户使用生物特征进行登录时，该验证单元22验证该用户的生物特征，然后根据该用户的生物特征生成一验证码。此外，该用户管理单元41生成另一验证码。该用户管理单元41将另一验证码发磅至该验证单元22，以与该验证码进行配对。若该验证码与另一验证码配对成功，则该用户可以登录本发明无纸支付系统。若配对不成功则无法登录。值得一提的是，该用户管理单元41记录的用户信息经过加密处理。只该用户通过身份识别，该用户的个人信息才被授权使用。
该用户管理单元41进一步划分为一个基本信息管理模块411和一个验证信息管理模块412。该基本信息管理模块411管理用户的基本信息，如姓名、年龄、学历、工作经历等资料。该验证信息管理模块412供管理该用户的验证信息，如该用户对应的生物特征，或验证动作等。该用户管理单元41通信地连接该支付方案设置单元11，以提供该用户对应的验证信息用于设置该验证方案32。该支付方案设置单元11从该验证信息管理模块412中选择用于设置该验证方案32的验证的信息。该用户管理单元41进一步包括一验证信息生成模块413。该验证信息生成模块413分别通信地连接该验证单元22、该基本信息管理模块411和该验证信息管理模块412。当该用户登录时，该验证单元22识别该用户的生物特征，并根据该用户的生物特征生成该验证码。该验证信息生成模块413可从该基本信息管理模块411和/或该验证信息管理模块412获取该用户对应的基本信息和对应的验证信息。该验证信息生成模块413根据该用户对应的基本信息和对应的验证信息生成另一该验证码。该验证中心22配对该验证码和另一该验证码。若该验证码和另一该验证码配对，则该用户被允许登录。若该验证码和另一该验证码不配对，则该用户不允许登录。
该验证信息生成模块413进一步通信地连接该支付方案设置单元11。该验证信息生成模块413分别从该基本信息管理模块411和该验证信息管理模块412获取用户对应的基本信息和对应的验证信息。然后该验证信息生成模块413从用户对应的基本信息抽取其中一部分，再从对应的验证信息中抽取其中一部分，接着对所抽取的部分用户基本信息和所抽取的用户验证信息进行编辑，生成一验证内容4131。该支付方案设置单元11的该验证方案设置模块112从该验证信息生成单元413获取成该验证内容4131以供设置该验证方案32。如，该验证信息生成单元413从该用户对应的基本信息中获取学历的信息和从该用户对应的验证信息中获取该用户的瞳距信息，然后根据该用户学历信息和瞳距信息生成该用户对应的该验证信息4131。然后将该用户对应的该验证信息4131传送至该支付方案设置单元11。该支付方案设置单元11的该验证方案设置模块112根据该用户对应的该验证信息4131设置该无纸支付文件30的该验证方案32。当该无纸支付文件30用于支付时，该支付中心20的的该验证单元22根据该验证方案32进行验证。若通过验证，则该支付中心23分别将支付者的身份识别号4111、接收者的身份识别号4111和支付额度传送至该价值常量管理单元42。该价值常量管理单元42将额度等于支付额度的价值常量从支付者的身份识别号4111中转移至接收者的身份识别号4111。
值得一提的是，该验证信息管理模块412提供设置至少一紧急验证方案4121。该紧急验证方案4121是指当该用户遇到紧急情况时所使用的紧急验证方案4121。所述紧急情况包括，受到威胁，遇到意外、需要紧急求助或生命得不到保障等情况。该验证单元22接收到该紧急验证方案4121则会报警，以通知警方该用户遇到紧急情况。如该用户可指定验证该用户的无名指指纹时为紧急验证方案。当该用户使用该无约支付文件时遇到威胁时，该用户使用无名指指纹进行验证。该验证中心22接收到该用户使用该无名指的指纹进行验证，则该验证中心22执行该用户的紧急验证方案4121：报警。值得一提的是，该紧急验证方案4121可供设置两次验证方式，以避免误操作。如当该用户使用无名指纹进行验证时，该验证中心22接收到该用户使用该无名指的指纹进行验证，则该验证中心22启动该用户的紧急验证方案4121：再次要求验证。该验证中心22提示该用户再次进行验证。若该用户再次使 用该无名指的指纹进行验证，则该验证中心22执行该紧急验证方案4121：报警。若该用户使用其它手指的指纹进行验证，则该验证中心22取消启动该紧急验证方案4121，执行支付操作。
该用户管理单元41进一步包括一无纸支付文件管理单元414，该无纸支付文件管理单元414通信地连接该生成中心10，以便于从该生成单元13接收该无纸支付文件30。该无纸文件管理单元供该用户管理该用户拥有的该无纸支付文件30。该价值常量管理中心40进一步包括一价值常量评估单元44，该价值常量评估单元44分别通信地连接该用户管理单元41的该基本信息管理模块411以获取该用户的基本信息。该价值常量评估单元44根据该用户的基本信息评估该用户的价值常量系数a。该价值常量评估单元44通过外接一计量装置获取该用户在完成一项工作或提供一项服务的过程中所耗费了时间h，则该用户在该项工作应获得的价值常量VC(Value Constant)＝ah。
该价值常量管理中心40进一步包括一信贷单元43，该信贷单元分别通信地连接该用户管理单元41、该价值常量管理单元42、该生成中心10和该支付中心20。该信贷单元43根据身份识别号4111设置预设的信贷额度。优选地，所述信贷额度以价值常量为单位。该预设的信贷额度通过该信贷单元43调整。优选地，该信贷单元43为各用户所预先设置的信贷额度一致。该信贷额度可用于支付。优选地，该信贷额度以价值常量为单位。当该用户的预设信贷额度用完之后，该信贷单元43锁定该身份识别号4111以禁止该用户使用信贷额度进行支付。当该信贷单元43接收该用户偿还的与信贷额度等额的价值常量后，该信贷单元43解锁该用户账户以使得该用户可继续使用该信贷额度进行支付。
在该用户的身份识别号4111被设置之后，该信贷单元43根据该用户的身份识别号4111设置的该用户的信贷额度。该信贷单元43所设置的信贷额度以价值常量为单位。优选地，该信贷单元43为每一个用户设置相同的该信贷额度。进一步地，该信贷单元43从该用户管理单元41的该基本资料管理模块411获取该用户的基本资料，然后该信贷单元43根据该用户的基本资料调整该用户的信贷额度。该信贷单元43监控各用户的该信贷额度。当该用户的该信贷额度被用完之后，该信贷单元43锁定该身份识别号4111，以使得该身份识别号4111不能使用该用户的该信贷额度进行支付。若该用 户偿还与该信贷额度相同额度的价值常量之后，该信贷单元43解锁该用户的身份识别号4111，以使得该身份识别号4111得以使用该信贷额度进行支付。
值得一提的是，该信贷单元43可根据该用户的质押物等额度的价值常量，对该用户的信贷额度进行调整，以使得该用户得以使用该质押物等额度的价值常量进行支付。具体地说，首先评估该用户的质押物的价值常量额度，然后信贷单元43调整该用户的信贷额度。将该用户的质押物的价值常量额度增加至该用户的信贷额度，以使得该用户的信贷额度增加。
该信贷单元43供调节各用户之间的信贷额度。若该用户的信贷额度不够支付，该用户通过该信贷单元43与另一用户协调信贷额度。该用户制作该无纸支付文件30，然后将该无纸支付文件30发送至另一用户。另一用户审核该无纸支付文件30，若另一用户同意按该无纸支付文件30执行。则该信贷单元43根据该无纸支付文件30记载的支付方案31执行。具体地说，该用户通过该生成中心10的该方案设置单元11设置该支付方案31。例如，该用户通过该方案设置单元11设置的两个该支付方案31，其中一个该支付方案31为借贷方案，另一该支付方案31为还贷方案。在该借贷方案中，该用户将支付方设置为另一用户的该身份识别号4111，接收方设置为该身份识别号4111。该用户进一步设置借贷额度和接收该贷款的时间，该笔货款的用途等信息。在另一个该支付方案31中，设置的是还贷方案。在该还货方案中，可设置是一次性还清贷款，还是分期还款。每期还款的价值常量的的额度。支付方设置该身份识别号4111，接收方设置另一用户的身份识别号4111。两个该支付方案31被传送至该授权单元13。另一用户通过该授权单元13审核的两个该支付方案31。另一用户同意两个该支付方案31，则通过该授权单元13授权两个该支付方案31。在两个该支付方案31得到该用户和另一用户的授权后，两个该支付方案31被发送至该生成单元12，该生成单元12生成根据两个该支付方案31生成该无纸支付文件30。该无纸支付文件30被发送至该支付中心20。
该支付中心20根据该无纸支付文件30的两个该支付方案31的内容进行支付。该内容获取单元21获取该支付方案31的内容。该支付方案31为借贷方案。该支付方案31的内容被发送至该验证单元22。该验证单元22 验证该支付方案31的内容，该用户的授权和另一用户的授权。验证通过后，该支付方案31的内容被发送至该支付单元31。该支付单元31根据该支付方案31执行支付。该支付单元31将该支付方案31的内容发送至该信贷单元43。该信贷单元43根据该支付方案31的内容，将另一个用户的信贷额度减去在该支付方案31中设置的信贷额度，然后该信贷单元43将该用户的信贷额度增加在该支付方案31中设置的信贷额度。值得一提的是，该信货单元43将该用户获得的信贷额度进行标记，以使得获得的信贷额度只能用于该支付方案31所记录的贷款用途。也就是说，当该用户使用该无纸支付文件30进行支付时，若该无纸支付文件30的该支付方案31中设置的支付用途不符合贷款用途，则该支付单元23不能使用该用户被标记了的贷款进行支付，以保证贷款被用于标记的贷款用途。若该无纸支付文件30的该支付方案31中设置的支付用途符合货款用途，则该支付单元23使用该用用户被标记了的贷款进行支付。该信贷单元43从该身份识别号4111被标记的该信贷额度中扣减支付额度。在归还贷款时，该支付单元23根据该无纸支付文件30的另一该支付方案31执行。若另一该支付方案31采用的还贷款方式为分期还款，则该支付单元23根据还贷款日期自动执行还贷款。值得一提的是，若该用户已经偿还完贷款，但是贷款仍然未使用完毕，侧该信贷单元43撤消该标记，以使得贷款可用于其它用途。
值得一提的是，该用户通过该信贷单元43向多个用户借贷。该用户制作一个该无纸支付文件30向第一个用户借贷，但是第一个用户的信贷额度并不足以满足该用户的借贷额度。则该用户制作另一个无纸支付文件30向第二个用户借贷。若第二个用户的信贷额度不足以满足该用户的借贷额度，则继续向第三个用户借贷。直到该用户的借贷额度得以满足。
当该用户使用贷款时，该支付中心20根据该用户的当前的支付目的匹配各该无纸支付文件30。若其中一个该无纸支付文件30的该支付方案31匹配当前支付目的，则该支付中心20根据该其中一个该无纸支付文件30的该支付方案31进行支付。具体地说，该内容获取单元21获取当前支付目的。该内容获取单元21分别获取各该无纸支付文件30中的该支付方案31。该验证单元22分别验证各该无纸支付文件30的该支付方案31与当前支付目的。若其中一个该无纸支付文件30的该支付方案31与当前支付目的匹配， 则该支付单元23根据其中一个该无纸支付文件30的该支付方案31进行支付。以这样的方式，该货款的用途受到监管，从而保障了借款人的利益。
图6所示的是本发明无纸支付系统的一优选实施例的一无纸信贷额度调整方法的流程图。
本发明进一步提供一无纸信贷额度调整方法，包括以下步骤：
步骤1001：设置借贷的该支付方案31和还贷的该支付方案31。
通过该方案设置单元11设置至少两所述支付方案31，其中一个该支付方案31为借贷的该支付方案31，另一个该支付方案31为还贷的该支付方案31。
步骤1002：授权借贷的该支付方案31和还贷的该支付方案31。
通过该授权单元，借方和贷方分别审核借贷的该支付方案31和还贷的该支付方案31。若借方和贷方都通过借贷的该支付方案31和还贷的该支付方案31。则借方和贷方分别授权借贷的该支付方案31和还贷的该支付方案31。
步骤1003：该生成单元11根据借贷的该支付方案31和还贷的该支付方案31，生成该无纸支付文件30。
步骤1004：该内容获取单元21获取该无纸支付文件30的借贷的该支付方案31。
步骤1005：该验证单元22验证该借贷的该支付方案31是否获得授权，若获得授权则执行步骤1006。若没有获得授权，则终止执行。
步骤1006：该支付单元23根据借贷的该支付方案31执行该无纸支付文件30。
步骤1007：该信贷单元43根据借贷的该支付方案31分别调整借方的身份识别号4111的信贷额度和贷方的身份识别号4111的信贷额度，并根据根据借贷的该支付方案31的借贷用途在借方的身份识别号4111标记所获得的信贷额度的用途。
该信贷单元43根据借贷的该支付方案31所设置的该信贷额度，在借方的身份识别号4111对应的信贷额度中增加借贷的该支付方案31所设置的该信贷额度。然后在借方的身份识别号4111对增加的该信贷额度标记借贷的该支付方案31所设置的借贷用途，以使得借方所借贷的该信用额度只能用 于被标记的用途。该信贷单元43根据借贷的该支付方案31所设置的该信贷额度，在贷方的身份识别号4111对应的信贷额度中减少借贷的该支付方案31所设置的该信贷额度。
步骤1008：监管借方所获得的信贷额度的用途。
当该借方通过该无纸支付文件30使用所获得的信贷额度时，该验证单元22验证该无纸支付文件30的该支付方案31设置的支付用途是否符合所获得的信贷额度被标记的用途。若符合，则该支付单元23根据该无纸支付文件30的该支付方案31进行支付。若不符合，则该支付单元23停止进行支付。
步骤1009：该内容获取单元21获取该无纸支付文件30的还贷的该支付方案31。
步骤1010：该验证单元22验证该还贷的该支付方案31是否获得授权，若获得授权则执行步骤1006。若没有获得授权，则终止执行。
步骤1011：该支付单元23根据还贷的该支付方案31执行该无纸支付文件30。
若该还贷的该支付方案31所设置的还贷方式为一次性还贷，该支付单元23通过该价值常量管理单元42分别调整借方的身份识别号4111的价值常量额度和贷方的价值常量额度。该价值常量管理单元42将借方身份识别号4111的价值常量额度减少还贷的额度，将贷方身份识别号4111的价值常量额度增加还贷的额度。若还贷的该支付方案31所设置的还贷方式为分期还贷，则当到达还贷时间时，该支付单元23通过该价值管理单元42根据所设定的还贷的价值常量额度分别调整借方身份识别号4111的价值常量额度和贷方的价值常量额度。值得一提的是，还贷的该支付方案31可被设置成按借方身份识别号4111的每笔进账进行还贷。如，还贷的该支付方案31中设置借方身份识别号4111每笔进账的还贷比例。该支付单元23通过该价值常量管理单元42检测借方的身份识别号4111。当借方的身份识别号4111有进账时，该价值常量管理单元42根据还贷的该支付方案31所设置的还贷比例分别调整借方身份识别号4111的价值常量额度和贷方身份识别号4111的价值常量额度。
值得一提的是，该借方根据需要借贷的价值单位额度确定贷方的数量， 然后分别制作对应的无纸支付文件30。
本发明无纸支付系统进一步提供一众筹中心50。该众筹中心50分别通信地连接该生成中心10、该支付中心20和该价值常量管理中心40。该用户可在该众筹中心50发布至少一众筹项目51。优选地，该众筹中心50根据该用户对应的该身份识别号41111管理该用户所发布的该众筹项目51。
该众筹项目51的各参与者通过该生成中心10生成该众筹项目51的该无纸支付文件30。在该众筹项目51的该无纸支付文件30的该支付方案31中设置了各参与者的分配比例。也就是说，当该众筹项目51获得收益后，所获得的收益按该众筹项目51的该无纸支付文件30的该支付方案31所设定的分配比例进行分配。优选地，该众筹项目51获得每一笔收益后，所获得的每一笔收益按该众筹项目51的该无纸支付文件30的该支付方案31所设定的分配比例直接进行分配。所述直接是指，该众筹项目51获得的每一笔收益立即通过该支付中心20根据该众筹项目51的该无纸支付文件30的该支付方案31进行支付。而不需要经过第三方。具体地说，通过该方案设置单元11制作该支付方案31，支付方被设置为该众筹项目51，接收方设置为该众筹项目51的各参与者。该支付方案31进一步设定各参与者的分配比例。该生成单元12根据该支付方案31生成该众筹项目51的该无纸支付文件30。值得一提的是，该支付方案31可被发送至该授权中心13，各参与者通过该授权中心13编辑该支付方案31。当该支付方案31被各参与者分别授权后，该支付方案31被发送该生成中心12。若该支付中心20的该验证单元22的检测到其中一个该无纸支付文件30的该支付方案31的接收方为该众筹项目51，则该支付中心20执行该众筹项目51的该无纸支付文件30。该支付单元23将支付给该众筹项目51的价值常量额度，根据该众筹项目51的该无纸支付文件30进行支付。也就是说，该支付单元23将支付给该众筹项目51的价值常量额度根据关于该众筹项目51的该无纸支付文件30的该支付方案31所设置的各参与者的分配比例进行支付。该众筹项目51的各参与者分别获取对应比例的价值常量额度。
值得一提的是，该众筹中心50提供该众筹项目51的另一种管理方式。该众筹项目51在该众筹中心50发布之后，该价值常量管理中心40根据该众筹项目51设置对应的一众筹项目识别号5111，以便于该价值常量管理中 心40管理该众筹项目51。该众筹项目51所获得的价值常量通过该众筹项目识别号5111进行管理。当该价值常量管理中心40的该价值常量管理单元42通过该众筹项目识别号5111检测到该众筹项目51则该支付中心20执行该众筹项目51的该无纸支付文件30。该支付单元23将支付给该众筹项目51的价值常量额度根据关于该众筹项目51的该无纸支付文件30的该支付方案31所设置的各参与者的分配比例进行支付。优选地，根据该众筹项目识别号5111，该众筹项目51获得一笔收益，该支付中心20则根据关于该众筹项目51的该无纸支付文件30进行支付。
例如，该用户在该众筹中心50里发布一个为咖啡馆的该众筹项目51。该用户是一个咖啡师，因此，该用户通过该众筹中心50发布了该众筹咖啡馆还缺少的资源，如店铺、材料、服务员和糕点师。第二个用户可提供开咖啡馆店铺的房东，第三个用户是材料供应商，第四个用户是服务员，第五个用户是糕点师。该用户通过该方案设置单元11制作该支付方案31。支付方为咖啡馆的该众筹项目51，接收方分别该用户、房东、材料供应商、服务员和糕点师。该用户设置好分成比例，将该支付方案31发送至该授权单元32。所述分成比例是指每卖出一份商品所获得的每一笔收益中，参与该众筹项目的用户的收益的分配比例。该用户、房东、材料供应商、服务员和糕点师通过该授权单元32调整该支付方案31的内容。接收方分别该用户、房东、材料供应商、服务员和糕点师都授权后，该支付方案31被发送至该生成单元12。该生成单元12生成咖啡馆的该无纸支付文件30。该咖啡馆的无纸支付文件30被发送至该支付中心20。该支付中心20根据咖啡馆的该无纸支付文件30进行支付。
该房东的店铺需要装修，则该房东通过该众筹中心50发起一个装修的该众筹项目51。该房东通过该方案设置单元11设置该支付方案31。该支付方被设置为咖啡馆的众筹项目51和该房东的身份识别号4111，接收方被设置为该房东和该装修服务供应商。预设该房东与该装修服务供应商的分成比例。该支付方案31设置后之后，被传送至该授权单元13。该房东和该装修服务供应商通过该授权单元13编辑该支付方案31。在该房东和该装置服务供应商通过该授权单元13分别对该支付方案31授权。该支付方案31得到授权后被发送至该生成单元12。该生成单元12根据该支付方案31生成装 修的该无纸支付文件30。装修的该无纸支付文件30被发送至该支付中心20，该支付中心20根据装修的该无纸支付文件30进行支付。
该装修服务供应商需将装修材料运输到该房东的店铺，因此该装修服务供应商通过该众筹中心50发起一个运输的该众筹项目51和该装修服务供应商的身份识别号4111。该装修服务供应商通过该方案设置单元11设置该支付方案31。该支付方案31的支付方被设置为的装修的该众筹项目51和该装修服务供应商的身份识别号4111，接收方为该装修服务供应商的身份识别号4111和运输服务供应商的身份识别号4111。该装修服务供应商设置好分成比例。然后将该支付方案31发送至该授权单元13。该装修服务供应商和该运输服务供应商通过该授权单元13编辑该支付方案31，以达成共识。在该装修服务供应商和该运输服务供应商授权该支付方案31之后。该支付方案31被该授权单元13发送至该生成单元12。该生成单元12根据该支付方案31生成运输的该无纸支付文件30。运输的该无纸支付文件30被该生成单元12发送至该支付中心20，该支付中心20根据运输的该无纸支付文件30进行支付。
当顾客使用该无纸支付文件30在通过咖啡馆的众筹项目51成立的咖啡馆购卖商品时，该支付单元20将该顾客支付的价值常量额度用于支付咖啡馆的该众筹项目51。该支付单元20的该验证单元22检测到咖啡馆的该众筹项目51接收收益，则触发该内容获取单元21获取咖啡馆的该无纸支付文件30的该支付方案31，然后将咖啡馆的该无纸支付文件30的该支付方案31发送至该验证单元22。该验证单元22验证咖啡馆的该无纸支付文件30的该支付方案31。该支付方为咖啡馆的该众筹项目51，且该用户、房东、材料供应商、服务员和糕点师都已经授权，因此，咖啡馆的该无纸支付文件30的该支付方案31通过验证。该支付单元23根据咖啡馆的该无纸支付文件30的该支付方案31记录的分成比例向该用户的该身份识别号4111、该房东的该身份识别号4111、该材料供应商的该身份识别号4111、该服务员的该身份识别号4111和该糕点师的该身份识别号4111进行支付。
当该支付单元20的该验证单元22检测到该房东的该身份识别号4111接收了咖啡馆的该众筹项目51的收益，则触发该内容获取单元21获取装修的该无纸支付文件30的该支付方案31，然后将装修的该无纸支付文件30 的该支付方案31发送至该验证单元22。该验证单元22验证装修的该无纸支付文件30的该支付方案31。该支付方为咖啡馆的该众筹项目51，来自于该房东的身份识别号4111，且该房东、该装修服务供应商都已经授权，因此，装修的该无纸支付文件30的该支付方案31通过验证。该支付单元23根据装修的该无纸支付文件30的该支付方案31记录的分成比例向该房东的该身份识别号4111、该装修服务供应商的身份识别号4111进行支付。
当该支付单元20的该验证单元22检测到该装修的该身份识别号4111接收了装修的该众筹项目51的收益，则触发该内容获取单元21获取装修的该无纸支付文件30的该支付方案31，然后将运输的该无纸支付文件30的该支付方案31发送至该验证单元22。该验证单元22验证运输的该无纸支付文件30的该支付方案31。该支付方为装修的该众筹项目51，来自于该装修服务供应商的身份识别号4111，且该该装修服务供应商和该运输服务供应商都已经授权，因此，运输的该无纸支付文件30的该支付方案31通过验证。该支付单元23根据运输的该无纸支付文件30的该支付方案31记录的分成比例向该运输服务供应商的该身份识别号4111、该装修服务供应商的身份识别号4111进行支付。
图2所示的是本发明众筹方法的一优选实施例的流程图。
本发明众筹方法包括以下步骤：
步骤2001：通过该众筹中心50发布一众筹项目51。
步骤2002：根据该众筹项目51制作对应的该无纸支付文件30。
步骤2003：根据对应的该无纸支付文件30进行支付。
其中，该步骤2002进一步包括以下的步骤：
步骤20021：设置该支付方案31，其中，该支付方设置为对应的该众筹项目51，该接收方设置为该众筹项目51的各参与者，且设置各参与者的分成比例，以使得当该众筹项目51获得收益后按分成比例进行支付。
步骤20022：该众筹项目51的各参与者授权该支付方案31。
步骤20023：生成对应的该无纸支付文件30。
其中，该步骤20021可被替换为步骤20021’:设置该支付方案31，其中，该支付方设置为对应的该众筹项目51和对应的该众筹项目的参与者的身份识别号4111，该接收方设置为该众筹项目51的各参与者，且设置各参 与者的分成比例，以使得当该众筹项目51获得收益后按分成比例进行支付。
其中，该步骤2003进一步包括以下步骤：
步骤20031：检测对应的该众筹项目51是否接收收益，若对应的该众筹项目51接收了收益，则执行步骤20032；若对应的该众筹项目51没有接收收益，则不对该众筹项目51对应无纸支付文件30进行操作。
步骤20032：获取对应的该无纸支付文件30的支付方案31。
步骤20033：验证对应的该无纸支付文件30的支付方案31。
步骤20034：根据对应的该无纸支付文件30的支付方案31所设定的分成比例支付所接收收益。
其中，该步骤20031可被替换为步骤20031’：检测对应的该众筹项目51是否接收来自对应的该众筹项目51的参与者的身份识别号4111的收益，若对应的该众筹项目51接收了对应的该众筹项目51的参与者的用户账的收益，则执行步骤20032；若对应的该众筹项目51没有接收收益，则不对该众筹项目51对应无纸支付文件30进行操作。
优选地，该众筹项目51所获得的每一笔收益由该支付中心20根据该众筹项目51的该无纸支付文件30的该支付方案31直接进行支付。因此本发明无纸支付系统，无需要经过第三方。
本发明无纸支付系统进一步包括一税务中心60，该税务中心60分别通信地连接该众筹中心50，该生成中心10、该支付中心20和该价值常量管理中心40。该税务中心60提供设置至少一组税务规则，该税务中心60根据设置的该组税务规则征税。如当该用户购物时，该用户使用该无纸支付文件30所购卖的物品。该税务中心60根据该组税务规则判断这次支付是否需要缴税，若需要缴税，则该支付中心20在处理这次支付时，该税务中心60向该支付中心20发出一付税的该无纸支付文件30至该支付中心20，以向该支付中心20提供支付税款的请求。该支付中心20接收到付税的该无纸文件30后，根据该付税的该无纸文件30进行支付税款。值得一提的是，该税务中心60提供在制作无纸支付文件阶段预估需要的税款。该用户需要授权该税务中心60在该用户制作该无纸支付文件30时访问该支付方案设置单元11。当用户60填写该支付用途以及支付金额时，该税务中心60根据该支付用途及支付金额，预估需要支付的税款，以便于该用户将应该支付的税款也 设置于该支付方案中。优选地，该税务中心根据该用户对应的该身份识别号5111管理该用户的税款。
值得一的是，在制作该众筹项目51的该无纸支付文件30时，该税务中心60根据该税务规则提供当该众筹项目51获得每一笔收益时应缴交的税款的比例。该众筹项目51和各参与者将应缴交的税款比例设置于该众筹项目51的该无纸支付文件30的该支付方案31。该众筹项目51获得每一笔收益都，该支付中心20的该支付单元23根据该众筹项目51的该无纸支付文件30的该支付方案31所设置的该应缴交的税款比例缴交税款。值得一提的，该众筹项目51缴交税款直接通过该支付中心20进行，而不需要经过第三方。本发明无纸支付系统进一步包括一财务管理中心70，该财务管理中心70分别通信地连接该支付中心20，该税务管理中心60和该价值常量管理中心40。该支付中心20根据该无纸支付文件30完成支付后，该支付中心20向该财务管理中心70发送一支付情况回执71。该财务管理中心70根据该支付情况回执分别向该支付方的身份识别号4111和该接收方的身份识别号4111记录支付情况，以便于该支付方和该接收方了解收支情况。该财务管理中心70进一步根据该用户的要求整理该用户的收支情况。优选地，该财务管理中心70根据用记的该身份识别号4111管理用户的财务状况。优选地，该账务管理中心根据该支付情况回执分别向该支付方的身份识别号和该接收方的身份识别号记录支付情况按照财务规定进入各自的财务科目，并完成帐务处理。
图3是本发明无纸支付系统的一优选实例的一支付场景的示意图。该用户在一餐厅使用该无纸支付文件30进行支付。该用户通过一身份识别装置221识别该用户的生物特征，该身份识别装置221通信地连接该支付中心20的该验证单元22。该身份识别装置221用于识别该用户的生物特征。在本实施例中为该用户的手指指纹。该餐厅提供一支付终端80，该支付终端通信地连接该支付中心20。该支付终端80具有一显示屏以供显示一该用户消费的项目以及需要支付的金额。该显示屏优选为触摸屏。该支付终端80包括该身份识别装置221。该用户将手指放置该身份识别装置221以供识别该用户的指纹。该身份识别装置221将该用户的指纹信息传送至该验证单元22。该验证单元22根据该用户的指纹信息查找该用户的身份识别号4111。然后根据该用户的身份识别号4111的该用户的指纹信息通过该无纸支付文件管 理模块414查找是否具有已经制作好的无纸支付文件30。若该用户具有已制作好的该无纸支付文件30。则该验证单元22通知该内容获取单元21获取该无纸支付文件30的该支付方案31。该内容获取单元21将所获取的该支付方案31传送至该验证单元22。该验证单元22验证该支付方案31与当前支付信息。若当前支付信息符合该支付方案31，则该支付单元23根据该支付方案31进行支付。若该用户没有已制作好的该无纸支付文件30，则该支付终端80显示该生成中心10的该方案设置单元11供该用户设置该支付方案31，然后该生成单元12根据该支付方案31生成该无纸支付文件30。接着使用该无纸支付文件30进行支付。该支付中心23分别将该用户的用户身份识别号4111、该餐厅的用户身份识别号4111和该用户需要支付额度传送至该价值常量管理单元42。该价值常量管理单元42将额度等于支付额度的价值常量从该用户的用户身份识别号4111中转移至接收者的身份识别号4111。值得一提的是，该税务中心60根据该组税务规则判断这次支付需要缴税。该税务中心60向该支付中心20发出一付税的该无纸支付文件30至该支付中心20，以向该支付中心20提供支付税款的请求。该支付中心20接收到付税的该无纸文件30后，根据该付税的该无纸文件30进行支付税款。具体地说，该内容获取中心11获取的付税的该无纸文件30的该支付方案31的内容。该内容获取中心11获得该支付者为该餐厅，征收的身份识别号4111和征税额度。该内容获取中心11将所获取的付税的该无纸文件30的该支付方案31传送至该验证中心22。该验证中心22通过验证后，发送至该支付单元23。该支付单元23根据付税的该无纸文件30的该支付方案31的内容执行支付。
值得一提的是，在该验证单元22获得该用户的指纹和该用户的身份识别号4111之后，该验证单元22获取该餐厅的身份识别号4111。然后该验证单元22通过该内容获取模块21访问该无纸支付文件30的管理模块，以查找该餐厅是否存在为该用户提供优惠的该无纸支付文件30。若该存在优惠的该无纸支付文件30，则优先处理优惠的该无纸支付文件30。该内容获取单元11获取优惠的该无纸支付文件30的该支付方案31的内容。该优惠的廖无纸支付文件30的该支付方案31记录优惠的内容。例如，该优惠的该无纸支付文件30的该支付方案31的内容为该用户的支付费用减免20％。则该 将该用户的支付费减免20％传送至该验证单元22。该验证单元22通过验证后，该支付单元23执行该优惠的该无纸支付文件30，减免该用户20％的支付额度。在该支付单元23执行完该优惠的该无纸支付文件30后，该支付终端80显示一个优惠后的支付额度以告知该用户获得优惠。该用户需要再一次使用该身份识别装置221以确认支付该优惠后的支付额度。
图4至图5是本发明无纸支付系统的另一优选实施例的该支付场景。该用户一店铺内购物。该店铺内设置至少一个该支付终端80。该店铺售卖的商品被设置至少一商品信息提供器83，该商品信息提供器83记录了该商品的信息，如商品名称、产地、生产商、支付价值常量额度等信息。该商品信息提供器83被附着于商品上以提供对应的商品信息。优选地，该商品信息提供器83为RFID(Radio Frequency Identification)标签。该用户使用一识别介质84。该识别介质84供存储信息。这些信息得以用于身份识别。该识别介质包括、植入芯片、穿戴设备和智能终端等。该植入芯片可供植入人体。穿戴设备包括智能手表、智能头带、智能手环、智能饰物、智能衣服、智能鞋等。智能终端包括智能电话、平板电脑和电脑等。优选地，该识别介质84为穿戴设备。该识别介质84通信地连接该验证中心20。该验证中心20的该验证单元22通过获取该识别介质84上的信息来验证该用户的身份。值得一提的是，该识别介质84可识别人的健康数据，如体温、脉搏、体味、血型、血压、血糖等。并根据这些健康数据结合所存储的信息，用于身份识别。
在本优选实施例中，该用户使用智能手环作为该识别介质84。该智能手环通信地连接该验证中心20。该智能手环提供信息以协助该验证中心20识别该用户的身份。当该商品被该用户取离货架后，附着于该商品的该商品信息提供器83向该支付终端80发送离开货架的信息。该支付终端80接收到该商品离开货柜的信息后，搜索该商品信息提供器83的在店铺的位置信息。该支付终端80通过该智能手环确认该用户的位置信息。若该商品和该用户的位置信息在同一位置，则该支付终端80确认该用户购买该商品。该支付终端80根据该商品信息和该用户信息构建购物清单。在该用户离开该店铺之前，该支付终端80提供该用户需要支付的价值常量额度。若离开该店铺，则进行支付。若该用户走出该店铺，该支付终端80将购物清单发送至该支付中心20。该支付终商同时提供在获取该用户位置时通过该智能手环所获得 的该用户的信息。该验证中心20的该验证单元22根据用户的信息，查询该商户的该无纸支付文件管理模块414是否存在该用户发送的该无纸支付文件30。若存在则按该用户的该无纸支付文件30进行支付。在支付完成后向该用户发出提示信息。
该无纸支付文件可被用于网上购物。该用户访问一网上商店进行购物。该用户制作该无纸支付文件30用于该网店购物的该无纸支付文件30。该用户通过该方案设置单元11设置该支付方案31。该支付方被设置为该用户的身份识别号4111。该接收方被设置为该店主的身份识别号4111。该用户设置支付的价值常量额度。该用户在该支付方案31进一步列出购买的商品以及商品数量。在支付方式中设置两次授权支付和接收商品后付款。所述两次授权支付是指，第一次授权后，该价值常量管理单元42在该用户的身份识别号4111锁定与支付额度相等的价值常量额度，以使得店主得知该用户具有支付能力，且用于支付的价值常量额度已经被锁定。该用户通过该授权中心13授权根据用于网购的该支付方案31生成对应的用于网购的该无纸支付文件30。该生成中心12根据用于网购的该支付方案31生成对应的用于网购的该无纸支付文件30。用于网购的该无纸支付文件30被发送至该店主的身份识别号4111。该网上商店的店主通过该授权中心13查看用于网购的该无纸支付文件30的支付方案31，得知该用户用于网购的价值常量已被锁定以用于支付，且支付条件包括货至附款。该店主制作一无纸支付文件30以用于支付快递的费用。该店主通过该支付方案设置单元11设置用于快递的该支付方案31。该支付方为该店主的身份识别号4111。该接收方为快递服务供应商。该店主设置支付快递服务的价值常量额度。该支付方式被设置为两次授权支付和该用户接收商品后付款。经该店主授权后，该生成单元12根据用于快递的该支付方案31生成用于快递的该无纸支付文件30。然后将用于快递的该无纸支付文件30发送至该快递服务供应商。该快递服务供应商收取该店主提供的快递件后，根据该店主提供的地址将快递件快递至该用户处。该用户接收该快递件后，核对后。在该快递服务供应商提供的该支付终端80上授权支付。该支付中心20的该验证单元22接收到该用户的授权确认后。该验证单元22分别验证用于网购的该无纸支付文件30和用于快递的该无纸支付文件30。用于网购的该无纸支付文件30和用于快递的该无纸 支付文件30通过验证后。该支付单元23分别根据用于网购的该无纸支付文件30的该支付方案31和用于快递的该无纸支付文件30的该支付方案31执行支付。该用户的身份识别号4111中锁定的价值常量额度被解锁，然后被支付至该店主的的身份识别号4111。该店主的身份识别号4111中锁定的价值常量额度被解锁，然后被支付至该快递服务供应商的身份识别号4111。
图7所示的是是本发明无纸支付系统的一无纸支付方法的流程图。本发明无纸支付系统包括以下步骤：
步骤3001：设置一无纸支付文件30的至少一支付方案31。
该支付方案31提供设置一支付源。所述支付源包括价值单位和信贷额度。若该支付方案31的支付源被设置为价值单位，则使用价值单元进行支付。若该支付方案31的支付源设置为信贷额度，则该支付单元23使用该用户的信贷额度进行支付。值得一提的是，该支付源可被设置为价值单位和信贷额度。当其中一种支付源的额度不足以完成支付时，可使用另一种支付源支付余额。例如，该支付方案31的支付源被设置的价值单位和信贷额度，而且信贷额度被设置为优先使用的支付源。当该支付方案31对应的该无纸支付文件30被用于支付时，该支付单元23优先使用该用户的身份识别号4111的信贷额度进行支付。若该用户的身份识别号4111的信贷额度不足以完成支付，则该支付单元23使用该用户的身份识别号4111的信贷额度进行支付。而支付额度与信贷额度之间的差额，该支付单元23则使用该用户的价值单位额度支付该支付额度与信贷额度之间的差额。值得一提的是，该支付方案31该支付源可通过该方案设置单元11进一步被设置为物品，具体的说是物品的使用权和/或所有权。若该支付方案31的支付源被设置为物品的使用权和/或所有权，该支付单元23通过该用户管理单元41的该基本信息管理模块411分别对支付方的物品的使用权和/或所有权，和接收方的物品的使用权和/或所有权进行修改。若该支付方案31设置支付环境，则该支付者需要提供支付环境的证明，如提供支付环境的照片或视频等。
步骤3002：设置该无纸支付文件30的至少一验证方案。
该方案设置单元11提供设置到至少一验证方案32。具体地说，该方案设置单元11的该验证方案设置模块112至少一验证方案32。该验证单元22根据该验证方案32验证识别身份。优选地，该验证单元22根据该验证方案 32验证该无纸支付文件30的使用者的身份信息。值得一提的是，该验证方案32供指定对应的该支付方案31。例如，该无纸支付文件30被设置两个该支付方案31，可通过该验证方案设置模块112设置两个该验证方案32时，指定其中一个该验证方案32对应的其中一个该支付方案31，另一个该验证方案32指定对应另一个该支付方案31。当该验证单元22验证其中一个该验证方案32时，若其中一个该验证方案32通过验证，则该验证单元22将该验证方案32对应的该支付方案31发送至该支付单元23。该支付单元23执行其中一个该验证方案32对应的该支付方案31。
步骤3003：对该支付方案31和/或该验证方案32进行授权。
该授权单元13提供对该支付方案31和/或该验证方案32进行授权。授权者通过该授权单元13审核该支付方案31和/或该验证方案32。该授权者可通过该授权单元13进该支付方案31和/或该验证方案32进行编辑。若该支付方案31和/或该验证方案32通过审核，该支付方案31和/或该验证方案32获得授权。该支付方案31和/或该验证方案32被发送至该生成单元12。
步骤3004：生成该无纸支付文件30。
该生成单元12根据该支付方案31和/或该验证方案32生成该无纸支付文件30。该无纸支付文件30可被存储于该识别介质84，以使得该支付中心20的该内容获取单元21可从该识别介质84获取该无纸支付文件30。该无纸支付文件30也可被存储于该用户管理单元41，以使得该支付中心20的该内容获取单元21从该用户管理单元41的该无纸支付文件管理模块414获取该无纸支付文件30。
步骤3005：获取该无纸支付文件30的该支付方案31和/或该验证方案32。
该支付中心20的该内容获取单元21获取该无纸支付文件30的该支付方案31。所获取的该支付方案31被发送至该验证中心22。若该无纸支付文件30还设置有该验证方案32，该支付中心20的该内容获取单元21获取该验证方案32，然后将该验证方案32发送至该验证单元22。
步骤3006：验证该无纸支付文件30的该支付方案31和/或该验证方案32。
该验证单元22分析该无纸支付文件30的该支付方案31，以根据该无 纸支付文件30的该支付方案31通过该内容获取单元21获取当前的支付信息。例如，该无纸支付文件30该支付方案31需要该使用者提供支付地点和支付目的的信息，则该验证单元22通过该内容获取单元21获取该支付终端80的位置信息，以确定支付地点。该验证单元22通过该内容获取单元21获取该支付终端80的支付内容。该验证单元22对比该无纸支付文件30的该支付方案31，和当前支付信息中的支付地点以及支付内容。若当前支付信息中的支付地点以及支付内容符合该无纸支付文件30的该支付方案，则通过验证。
若该无纸支付文件30包括多个该支付方案31，则该验证单元22根据所获取的支付信息匹配各该支付方案31。若该支付信息符合其中一个该支付方案31，则该验证单元22选定该支付方案31。该支付单元23根据选定的该支付方案31进行支付。
若该无纸支付文件30包括该验证方案32，该使用者通过该支付终端80提供该验证信息。该验证单元22对比该无纸支付文件30的该验证方案22和从该支付终端80所获取的该验证信息。若该验证信息符合该无纸支付文件30的该验证方案22，则通过验证。然后该验证单元22验证所获取的该支付信息与该无纸支付文件30的该支付方案31。若所获取的该支付信息与该无纸支付文件30的该支付方案31匹配，该支付单元23按该无纸支付文件30的该支付方案31进行支付。
若该无纸支付文件30包括多个该支付方案31和多个该验证方案32，且各该验证方案32与各该支付方案31一一对应。该验证单元22根据该验证信息分别匹配各该验证方案32。若该验证信息与其中一个该验证方案32匹配，则该验证单元22选择与该验证方案32对应的该支付方案31与该支付信息进行验证。若该支付信息符合对应的该支付方案31，则该支付单元23根据对应的该支付方案31进行支付。
步骤3007：根据通过验证的该无纸文件30的该支付方案31进行支付。
该支付单元23根据该无纸支付文件30的该支付方案31所设置的支付源进行支付。若该支付源被设置为价值常量。该价值常量管理单元42根据从该支付中心23获取的该支付者的身份识别号4111、接收者的身份识别号4111和支付额度，将额度等于支付额度的价值常量从支付者的身份识别号 4111划拔至接收者的身份识别号4111，以完成支付。若该支付源被设置为信贷额度。该支付中心23将支付者的身份识别号4111、接收者的身份识别号4111和支付额度，分别传送至该信贷单元43。该信贷单元43根据支付者的身份识别号4111和支付额度，从该支付者的身份识别号4111对应的的信贷额度上扣减对应支付额度的价值常量额度。该支付中心23获知该信贷单元43完成了扣减该支付者的身份识别号4111后，该支付中心23发送一调整身份识别号4111信息至该价值常量管理单元42，以调整该接收者的价值常量额度。所述调整身份识别号4111信息中包括该接收者的身份识别号4111。该价值常量管理单元42根据该接收者的身份识别号4111和支付额度，在该接收者的身份识别号4111的价值常量额度增加与支付额度等额度的价值常量。
若该支付源被设置为该信贷额度和该价值常量时，则当该信贷额度不足时，可使用该价值常量进行支付。或者该价值常量不足时，可使用信贷额度进行支付。优选地，优先使用该信贷额度进行支付。例如，该支付中心23将支付者的身份识别号4111、接收者的身份识别号4111和支付额度发送给该信贷单元43。该信贷单元43根据该支付者身份识别号4111、该支付额度和接收者的身份识别号4111调整该支付者身份识别号4111的信贷额度。若该支付者身份识别号4111的该信贷额度不足以支付该支付额度，该信贷单元43将该支付者身份识别号4111的该信贷额度与该支付额度之间的差额发送至该支付单元23。该支付单元23向该价值常量管理单元42发送该支付者身份识别号4111的该信贷额度与该支付额度之间的差额、该支付者身份识别号4111和该接收者的身份识别号4111。该价值常量管理单元42将该支付者的身份识别号4111对应的价值常量额度扣减该支付者身份识别号4111的该信贷额度与该支付额度之间的差额。在对该支付者的身份识别号4111对应的价值常量额度扣减该支付者身份识别号4111的该信贷额度与该支付额度之间的差额之后，该支付单元23发送一调整身份识别号4111信息至该价值常量管理单元42，以调整该接收者的价值常量额度。所述调整身份识别号4111信息中包括该接收者的身份识别号4111。该价值常量管理单元42根据该接收者的身份识别号4111和支付额度，在该接收者的身份识别号4111的价值常量额度增加与支付额度等额度的价值常量。
值得一提的是，该支付源可被设置为物品的使用权和/或所有权。当该无纸支付文件30的该支付方案31的支付源被设置为物品的使用权和/或所有权时，该支付单元23通过该用户管理单元41的基本管理模块41分别调整该支付者对该物品的使用权和/或所有权和该接收者对该物品的使用权和/或所有权。
值得一提的是，在图4至图5的支付场景中，本发明提供在购物的过程中生成该无纸支付文件。
首先，判断是否具有在当前用户位置使用的该无纸支付文件30。
通过该用户所携带的该识别介质84提供该用户的身份信息和该用户的当前位置信息。该用户的身份信息和该用户的当前位置信息通过该内容获取单元21被传送至该验证单元22。也就是说，该内容获取单元21从该识别介质获取该用户身份信息和该用户的当前位置信息，然后传送至该验证单元22。值得一提的是，该用户的当前位置信息被转换为店铺的地址信息。该验证单元22根据该用户的身份信息访问该无纸支付文件管理模块414。进一步地，该用户的身份信息为该用户的身份识别码4111。进一步地，该验证单元22根据该用户的当前位置信息和该用户的身份识别号4111在该无纸支付文件管理模块414搜索是否具有在该用户当前位置使用的该无纸支付文件30。值得一提的是，该用户的当前位置信息被转换为店铺的地址信息。也就是说，该验证单元22根据该用户的当前地址信息和该用户的身份识别号4111在该无纸支付文件管理模块414搜索是否具有在该用户当前位置使用的该无纸支付文件30。
进一步地，该验证单元22根据该用户位置信息查找对应的该卖家的该身份信息。进一步地，该卖家的该身份信息为该身份识别号4111。该验证单元22在该无纸支付文件管理模块414搜索支付者被设置为该用户身份信息和支付地点为用户当前位置信息的该无纸支付文件30。若存在支付者被设置为该用户身份信息和支付地点为用户当前位置信息的该无纸支付文件30，则使用存在支付者被设置为该用户身份信息和支付地点为用户当前位置信息的该无纸支付文件30。若不存在存在支付者被设置为该用户身份信息和支付地点为用户当前位置信息的该无纸支付文件30，则该验证单元22搜索支付者为该用户身份信息和接收者为卖家身份信息的该无纸支付文件30。若该无纸 支付文件管理模块414具有支付者为该用户身份信息和接收者为卖家身份信息的该无纸支付文件30，则使用支付者为该用户身份信息和接收者为卖家身份信息的该无纸支付文件30进行支付。若该无纸支付文件管理模块414没有支付者为该用户身份信息和接收者为卖家身份信息的该无纸支付文件30，则执行步骤步骤：4002。
然后，编辑该支付方案31。
该内容获取模块21从该验证模块22获取该用户的该身份识别码4111和该卖家的该身份识别码4111，然后将该用户的该身份识别码4111和该卖家的该身份识别码4111传送至该方案设置单元11。该方案设置单元11根据该用户的该身份识别码4111和该卖家的该身份识别码4111编辑该支付方案31。具体地说，该方案设置单元11根据该用户的该身份识别码4111建立该支付方案31。在该支付方案31中，该支付者被设置为该用户的该身份识别码4111，该接收者被设置为该卖家的该身份识别码4111。该用户所携带的该识别介质84从该商品信息提供器83获取对应的商品信息。该商品信息提供器83可提供该商品的位置信息。进一步地，该支付终端80可通过调用外设确认该商品的位置信息和该用户的身份信息和位置信息。如摄像头等。值得一提的是，该支付终端80可通过该识别介质84获取该用户的身份识别号和该用户在店铺内的位置信息。该识别介质84从该商品信息提供器83获取对应的该商品信息。进一步地，该识别介质84将该商品信息、该用户的身份信息、和当前的位置信息通过该内容获取模块21发送至该验证模块22。经过该验证模块22验证后，当前的位置信息被识别至卖家的该身份识别信息4111，该用户的身份信息被识别为该用户的该身份识别号4111。该商品信息、该用户的该身份识别信息4111和该卖家的该身份识别信息4111通过该内容获取模块21被发送至该方案设置单元11。该方案设置单元11根据该商品信息、该用户的该身份识别信息4111和该卖家的该身份识别信息4111将该商品信息增加至对应的该支付方案31。该商品信息作为该支付方案31的支付项目。该识别终端80检测该商品位置与该用户的位置关系。具体地说，该识别终端80提供该商品对应该商品信息提供器83的位置信息与该用户所携带的该识别介质84的位置信息。该用户所携带的该识别介质84可从该识别终端80获取该商品对应该商品信息提供器83的位置信息与该用户所 携带的该识别介质84的位置信息。若，该商品对应该商品信息提供器83的位置与该用户所携带的该识别介质84的位置之间的距离在预设值内或与预设值相等，该支付终端80将该商品的位置和该用户的位置视为同一位置。
若该用户携带商品到达同一预设的确认区域，该识别终端80进一步确认该商品与该用户的位置关系。该识别终端80将与该用户处于同一位置的该商品确认为用户购买的商品。该识别终端80将该用户的身份证识别码4111、该商品信息、该卖家的该身份证识别码4111发送至该验证单元22。经过该验证单元22验证后，通过该内容获取单元21将该用户的身份证识别码4111、该商品信息、该卖家的该身份证识别码4111发送至该方案设置单元11。该方案设置单元11进一步核对该用户的身份证识别码4111、该商品信息、该卖家的该身份证识别码4111。若在该支付项目所设置的商品信息不在该内容获取单元21所提供的该商品信息中，该支付项目所设置的商品信息会被删除。若不在该内容获取单元21所提供的该商品信息中出现支付项目上没有的商品信息，该商品信息会被添加至该支付项目。
最后，生成该无纸支付文件。
在完成核对后，该方案设置单元11将该支付方案31发送至该生成单元12。该生成单元12根据该支付方案31生成该无纸文件30。然后该无纸文件30被发送至该无纸支付文件管理模块314。进一步地，预设的确认区域被设置于店门。
进一步地，该支付终端80通过该商品信息提供器83获取该商品的位置，该支付终端80通过该识别介质84获取该用户的位置。若该用户携带购买的商品位于预设的确认范围内，该支付终端80确认该用户购买所携带的商品。该支付终端80根据该商品信息和该用户信息构建购物清单。在该用户离开该店铺之前，该支付终端80提供该用户需要支付的价值常量额度。若离开该店铺，则进行支付。若该用户走出该店铺，该支付终端80将购物清单发送至该支付中心20。该支付终商同时提供在获取该用户位置时通过该智能手环所获得的该用户的信息。该验证中心20的该验证单元22根据用户的信息，查询该商户的该无纸支付文件管理模块414是否存在该用户发送的该无纸支付文件30。若存在则按该用户的该无纸支付文件30进行支付。在支付完成后向该用户发出提示信息。
在这里涉及的术语“中心”、“单元”根据使用该术语的上下文在本发明的实施例中可以包括软件、硬件或者其组合。例如，软件可以是机器代码、固件、嵌入代码和应用软件。还例如，硬件可以是电路、处理器、计算机、集成电路、集成电路内核、微型机电系统(MEMS)、无源器件或者其组合。
上述内容为本发明的具体实施例的例举，对于其中未详尽描述的设备和结构，应当理解为采取本领域已有的通用设备及通用方法来予以实施。
同时本发明上述实施例仅为说明本发明技术方案之用，仅为本发明技术方案的列举，并不用于限制本发明的技术方案及其保护范围。采用等同技术手段、等同设备等对本发明权利要求书及说明书所公开的技术方案的改进应当认为是没有超出本发明权利要求书及说明书所公开的范围。

Claims (20)

  1. 一无纸支付系统，其特征在于，包括：
    一支付中心，所述支付中心根据预设的一无纸支付文件进行支付，其中，所述无纸支付文件进一步包括至少一支付方案，所述支付中心验证当前支付信息与所述无纸支付文件的所述支付方案，若当前支付信息符合所述支付方案，所述支付中心根据所述无纸支付文件的所述支付方案进行支付。
  2. 根据权利要求1所述的无纸支付系统，进一步包括：
    一生成中心，所述生成中心生成所述无纸支付文件，其中，所述生成中心供设置至少一所述支付方案，所述生成中心根据设置的所述支付方案生成所述无纸支付文件。
  3. 根据权利要求2所述的无纸支付系统，其中，所述无纸支付文件进一步包括至少一验证方案，所述生成中心提供设置至少一所述验证方案，以使得所述支付中心根据所述验证方案验证支付者的身份信息，其中，若所述支付者的身份信息符合所述验证方案，则所述支付中心根据所述无纸支付文件的所述支付方案进行支付。
  4. 根据权利要求2所述的无纸支付系统，其中，所述生成中心进一步包括一方案设置单元和一生成单元，所述支付方案设备单元通信地连接所述生成单元，所述支付方案设置单元设置所述支付方案，所述生成单元根据所述支付方案生成所述无纸支付文件。
  5. 根据权利要求3所述的无纸支付系统，其中，所述生成中心进一步包括一方案设置单元和一生成单元，所述支付方案设备单元通信地连接所述生成单元，所述支付方案设置单元设置所述支付方案和所述验证方案，所述生成单元根据所述支付方案生成所述无纸支付文件。
  6. 根据权利要求4或5所述的无纸支付系统，其中，所述支付中心进一步包括互相通信地连接的一内容获取单元、一验证单元和一支付单元，其中，所述内容获取单元获取所述无纸支付文件的所述支付方案和当前支付信息，并将所述无纸支付文件的所述支付方案和当前支付信息发送至所述验证单元，其中，所述验证单元验证当前支付信息是否符合所述无纸支付文件的所述支付方案，若当前支付信息符合所想无纸支付文件的所述支付方案，则所述支付单元根据所述无纸 支付文件的所述支付方案进行支付。
  7. 根据权利要求6所述的无纸支付系统，其中，所述生成中心进一步包括一授权单元，该授权单元分别通信地连接所述方案设置单元和所述生成单元，其中，该用户通过所述授权单元审核所述支付方案，若所述支付方案通过该用户的审核，所述支付方案被发送至所述生成单元，所述生成单元根据所述支付方案生成所述无纸支付文件。
  8. 根据权利要求6所述的无纸支付系统，其中，所述验证单元根据所述验证方案验证所述无纸支付文件的该授权人的身份，若所述验证单元确认该授权人的身份，则所述无纸支付文件获得授权，所述支付单元根据所述无纸支付文件的所述支付方案进行支付。
  9. 根据权利要求6所述的无纸支付系统，进一步包括一价值常量管理中心，所述价值常量管理中心分别通信地连接所述生成中心和所述支付中心，其中，所述价值常量管理中心以账号的方式管理用户所拥有的价值常量，其中所述无纸支付系统以价值常量进行支付。
  10. 根据权利要求9所述的无纸支付系统，其中，所述价值常量管理中心进一步包括一用户管理单元和一价值常量管理单元，所述用户管理单元管理该用户的信息，其中该用户管理单元为各用户分别分配对应的身份识别号，该价值常量管理单元根据该用户对应的身份识别号管理该用户拥有的价值常量。
  11. 根据权利要求10所述的无纸支付系统，其中，当该用户登录时，所述验证单元根据该用户的生物特征生成一验证码，该用户管理单元根据该用户的信息生成另一验证码，所述验证单元配对所述验证码和另一所述验证码，若所述验证码与另一所述验证码配对成功，则该用户被允许登录。
  12. 根据权利要求10所述的无纸支付系统，其中，所述用户管理单元进一步包括一基本信息管理模块、一验证信息管理模块和一验证信息生成模块，所述基本信息管理模块管理该用户的基本信息，所述验证信息管理模块管理该用户的验证信息，其中，当该用户登录时，所述验证信息生成模块分别所述基本信息管理模块和所述验证信息管理模块获取该用户的基本信息和验证信息，生成另一所述验证码。
  13. 根据权利要求12所述的无纸支付系统，其中，所述方案设置单元进一步包括一验证方案设置模块，其中，所述验证信息生成模块从所述基本信息管理 模块获取一部分的该用户的基本信息，和所述验证信息生成模块从所述验证方案设置模块获取一部分的该用户的验证信息，然后所述验证信息生成模块编辑一部分该用户的基本信息和一部分的该用户的验证信息生成一验证内容，其中，所述验证方案设置模块从所述验证信息生成模块获取所述验证内容，并根据所述验证内容设置所述无纸支付文件的所述验证方案。
  14. 根据权利要求12所述的无纸支付系统，其中，所述验证信息管理模块提供设置至少一紧急验证方案，当所述验证单元验证该用户的身份时，若该用户提供的身份信息符合所述紧急验证方案，则所述验证单元报警。
  15. 根据权利要求12所述的无纸支付系统，其中，所述用户管理单元进一步包括一无纸支付文件管理单元以用于管理该用户所拥有的该无纸支付文件。
  16. 根据权利要求10所述的无纸支付系统，其中，所述价值常量管理中心进一步包括一信贷单元，所述信贷单元分别通信地连接所述用户单元和所述价值常量管理单元，该信贷单元根据各用户的身份识别号分别设置预设的信贷额度，其中，所述无纸支付文件的所述支付方案得以被设置为使用信贷额度进行支付。
  17. 根据权利要求10所述的无纸支付系统，其中，所述价值常量管理中心进一步包括一价值常量评估单元，所述价值常量评估单元通过该基本信息管理模块获取该用户的基本信息，其中，所述价值常量评估单元根据用户的基本信息评估用户的价值常量系数，所述价值常量评估单元根据用户的价值常量系数和该用户在一项目上所耗费的时间评估对应的价值常量，其中，价值常量为用户的价值常量系和所耗费的时间的乘积。
  18. 根据权利要求10所述的无纸支付系统，其中，进一步包括一众筹中心，所述众筹中心分别通信地连接该生成中心、该支付中心和该价值常量管理中心，其中，所述众筹中心提供发布一众筹项目，所述众筹项目的各参与者的分配比例通过所述方案设置单元被设置于所述支付方案，所述生成单元根据所述支付方案生成所述众筹项目的所述无纸支付文件，其中，所述支付中心检测所述众筹项目获得收益后，所述支付中心根据所述众筹项目的所述无纸支付文件的所述支付方案进行支付。
  19. 根据权利要求10所述的无纸支付系统，其中，进一步包括一税务中心，所述税务中心分别通信地连接所述众筹中心、所述生成中心、所述支付中心和所述价值常量管理中心，其中，所述税务中心提供至少一税务规则，所述税务中心 判断所述支付中心根据所述无纸支付文件所进行的支付是否符合所述税务规则，若符合，则所述税务中心根据所述税务规则在使用所述无纸支付文件进行支付时，支付对应的税款。
  20. 根据权利要求12所述的无纸支付系统，其中，进一步包括一账务管理模块，所述账务管理模块分别通信地连接所述支付中心、所述税务管理中心和所述价值常量管理中心，其中，所述支付中心在所述无纸支付文件完成支付后，向所述账务管理中心发送一支付情况回执，其中，所述账务管理中心根据所述支付情况回执分别向该支付方和该接收方的身份识别号记录支付情况。
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