CA2994886C - Method and system for setting cumulative effective period - Google Patents
Method and system for setting cumulative effective period Download PDFInfo
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- CA2994886C CA2994886C CA2994886A CA2994886A CA2994886C CA 2994886 C CA2994886 C CA 2994886C CA 2994886 A CA2994886 A CA 2994886A CA 2994886 A CA2994886 A CA 2994886A CA 2994886 C CA2994886 C CA 2994886C
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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
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
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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
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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
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
Abstract
Abstract Provided are method and system for setting cumulative effective period; said system comprises time accumulating unit configured to calculate time limit, obtain remaining time of validity period of receipt, obtain new time limitation of performance, obtain remaining time limitation of performance, and obtain new time limit for applying for electronic certificate settlement; ageing detection unit configured to sequentially monitor status information of electronic certificate to optimize financial transaction circulation between two parties; determine whether confirmation for receiving electronic certificate received within validity of receipt and accordingly whether electronic certificate is valid; determine whether performance information received within the new time limitation and accordingly whether the electronic certificate is valid to calculate the new time limit for applying for settlement of electronic certificate; determine whether request for electronic certificate settlement is received within the new time limit and accordingly whether the electronic certificate is valid to execute a settlement process therefor. Date Recue/Date Received 2020-09-04
Description
Method And System For Setting Cumulative Effective Period Technical Field [0001] This application relates to the field of finance, and more particularly to a method and system for calculating the ageing of Bank Credit Certificate.
[0002]
[0003] Background Technology
[0004] The current people's funds circulation activities, regardless of the online banking system or third-party payment systems, are always the principle of circulation, which is not conducive to the proper control over the flow of funds.
[0005]
[0006] Summary of the Invention
[0007] According to a first aspect, an example provides a cumulative ageing method, including ageing detection steps: the issuing bank backstage server in accordance with the provisions of the ageing rules in turn the collection of prescription ageing, performance time limit and apply for the expiration date of the state of electronic certificate of information testing, the ageing detection step includes:
[0008] Procedures for the detection of ageing: In the period of validity of the collection card to detect whether to receive confirmation delivered back to the client certificate receiving electronic certificate information, if received, it is determined that the electronic certificate is valid, and carry out the calculation step of the new deadline; otherwise, determining that the electronic certificate is invalid;
[0009] The performance time limit new deadline calculation step: subtract the time for receiving the electronic certificate information fed back by the client receiving the certificate to calculate the time remaining for the card collection ageing. and then add the remaining time of the collection and ageing of the original period of the statute of limitations together to calculate the new deadline for the performance of the limitation period;
[0010] Compliance ageing detection step: whether the performance information submitted by the receiving client is detected in the new term of the performance limitation, if it is received, it is determined that the electronic certificate is valid, and apply for settlement of a new deadline calculating step; otherwise, determining that the electronic certificate is invalid;
[0011] A new application deadline settlement deadline calculation step:
subtract the new deadline of the performance limitation from the time of receipt of the performance information submitted by the recipient certificate client to calculate the remaining time of-the performance limitation, and then, the remaining time of the performance limitation is calculated and the time limit for the application of the prescription is calculated;
subtract the new deadline of the performance limitation from the time of receipt of the performance information submitted by the recipient certificate client to calculate the remaining time of-the performance limitation, and then, the remaining time of the performance limitation is calculated and the time limit for the application of the prescription is calculated;
[0012] Apply the solution to pay the ageing test step: In the new term of the application for the limitation of payment, check whether the application for the receiving client's application is received, if received, then the electronic certificate is valid, the electronic certificate enters the settlement period; otherwise, the electronic certificate is determined to be invalid.
[0013] The present application also provides another cumulative ageing method, including ageing detection steps: the issuing bank backstage server in accordance with the provisions of the ageing rules in turn the collection of prescription ageing, performance time limit and apply for the expiration date of the state of electronic certificate of information testing, the ageing detection step includes:
[0014] Receivable ageing detection step: within a first total of the deadline to detect whether to receive confirmation delivered back to the client certificate receiving electronic certificate information, if received, it is determined that the electronic certificate valid, and the second total term calculation. If not, determining that the electronic certificate is invalid; the first total term is a total term of validity of a collection certificate, a performance time limitation and a time limit for applying for settlement;
[0015] A second total term is calculated by subtracting the time when the first total term is subtracted from the information of receiving the electronic certificate which is fed back by the client of the recipient retriever;
[0016] Compliance ageing detection step: within the second total term limit, whether the performance information submitted by the credit card client is received, if received, then the electronic certificate is valid, and perform the third total term calculation step;
Otherwise, it is determined that the electronic certificate is invalid;
Otherwise, it is determined that the electronic certificate is invalid;
[0017] A third total term calculation step of calculating a third total term by subtracting the time when the second total term is received from the performance information submitted by the collector client;
[0018] Apply the solution to pay the ageing test step: within the third total deadline to detect whether to receive the certificate client request for settlement of the request, if received, then the electronic certificate is valid, the electronic certificate enters the settlement period;
otherwise, the electronic certificate is determined to be invalid.
otherwise, the electronic certificate is determined to be invalid.
[0019]
[0020] According to a second aspect, an example provides an ageing cumulative setting system, including:
[0021] Time accumulating unit is used for calculating the deadline;
[0022] The ageing detection unit is used to sequentially check the information states of the electronic certificate within the limitation period, the performance limitation period, and the expiration date of application for settlement according to the set ageing rules:
[0023] The ageing detection unit in the period of validity of the certificate to detect whether to receive the confirmation feedback received by the client receiving electronic certificate information, if received, it is determined that the electronic certificate is valid, the time accumulation unit and then the calculation of a new deadline for performance ageing; on the contrary, the ageing detection unit determines that the electronic certificate is invalid;
[0024] The time accumulating unit subtracts the period of validity of receiving certificate minus the time of receiving the information of electronic certificate when receiving the feedback from the client of the certificate collector to obtain the remaining time of certificate ageing, and then add the remaining time of the collection and ageing of the original period of the statute of limitations together to calculate the new deadline for the performance of the limitation period;
[0025] The ageing detection unit detects whether the fulfilment information submitted by the certificate subscriber client is received within a new deadline of the performance limitation, and if it is received, determines that the electronic certificate is valid, and the time accumulation unit further requests for improvement to solve the calculation of the new deadline; on the contrary, the ageing detection unit determines that the electronic certificate is invalid;
[0026] The time accumulating unit subtracts the remaining time of the contract ageing time from the time limit of the performance time limitation minus the time of receipt of the performance information submitted by the certificate collector client, and compares the remaining time of the performance time limitation with the original deadline for applying for the settlement of a claim shall be calculated together with the new deadline for applying for the settlement of the claim.
[0027] The ageing detection unit in the application expiration date expiration of the new deadline test whether to receive a certificate client terminal application received from the soliciting request, if received, then the electronic certificate is valid, the electronic certificate enter the settlement period; the contrary, the ageing detection unit determines that the electronic certificate failure.
[0028] The present application also provides another ageing cumulative setting system, including:
[0029] Time accumulating unit is used for calculating the deadline;
[0030] The ageing detection unit is used to sequentially check the information states of the Date Recue/Date Received 2020-11-17 electronic certificate within the limitation period, the performance limitation period, and the expiration date of application for settlement according to the set ageing rules:
[0031] The ageing detection unit detects whether the electronic coupon information received by the verifier client is received within a first total term, and if the electronic certificate is received, determines that the electronic certificate is valid, and the time accumulating unit performs the second total term on the contrary, the ageing detection unit determines that the electronic certificate is invalid; the first total term is a total term of validity of a collection certificate, a performance time limitation and a time limit for applying for settlement of the electronic certificate;
[0032] The time accumulating unit calculates a second total term by subtracting the time of receiving the confirmation of receiving the electronic certificate information fed back by the terminator;
[0033] The ageing detection unit detects, within the second total term, whether or not the performance information submitted by the credit card client is received, and if it is received, determines that the electronic certificate is valid and the time accumulation unit performs the third total term on the contrary, the ageing detection unit determines that the electronic certificate is invalid.
[0034] The time accumulating unit calculates the third total term by subtracting the time when the second total term is received and received by the certificate subscriber client;
[0035] The ageing detection unit detects, within the third total term, whether a request for solution cancellation delivered by a certificate subscriber client is received, and if received, judges that the electronic certificate is valid, and the electronic certificate enters a solution payment. On the contrary, the ageing detection unit determines that the electronic certificate is invalid;
[0036]
[0037] According to the cumulative ageing method and system set forth above, as the ageing regulations in accordance with the provisions of the ageing of the certificate, the performance time limit and apply for the expiration of the period of validity of the electronic certificate information status so that the recipient only need through the corresponding period of the recipient card were issued to deliver confirmation to receive electronic certificate information, compliance information and apply for a settlement request, not only allows the issuer to make more reasonable arrangements for the control of funds, it can also urge the receiver to receive electronic certificate in a timely manner, perform the performance and apply for settlement, making the transaction more smoothly.
[0038]
[0039] Brief Description
[0040] Figure 1 is a flow chart of a method for setting a cumulative ageing according to an example of the present application;
[0041] Figure 2 is a schematic diagram of the structure of the ageing cumulative setting system in one example of the present application;
[0042] Figure 3 is a flowchart of a method for setting a cumulative ageing according to another example of the present application.
[0043]
[0044] Description of the Preferred Examples
[0045] The present application will be further described in detail below with reference to the accompanying drawings through specific examples.
[0046] The present application is aimed at the financial circulation of the transaction between the two parties in the online system, and the transaction is carried out by electronic certificate when the two parties circulate funds online, when both parties within the set period of time to complete the corresponding behaviour, which electronic certificate is valid, trade proceed, if not completed within the time limit set in the corresponding behaviour, which electronic certificate fails, trading terminates. The electronic certificate referred to the bank according to the applicant's application to freeze funds or use credit and in the name of the bank to open, and commitment in accordance with the stipulations of settlement payment certificate of electronic credit commitment. When the electronic certificate is being used, it generally goes through the issuing period, collection period, performance period, receipt period, settlement period and liquidation period in turn.
[0047] In the following, some terms in this application are explained first.
[0048] When electronic certificate realizes the circulation of both parties of the transaction, the user applying for a certificate to the bank is called the issuer, the bank with electronic certificate based on the applicant's application is called the issuing bank;
the user who receives the above-mentioned electronic certificate is called the recipient, and the recipient who entrusted the electronic certificate is called the receiving bank. The receiving bank and the issuing bank can be either the same bank or different banks.
the user who receives the above-mentioned electronic certificate is called the recipient, and the recipient who entrusted the electronic certificate is called the receiving bank. The receiving bank and the issuing bank can be either the same bank or different banks.
[0049]
[0050] Example 1:
[0051] The present example for the electronic certificate of the three valid period (collection period, the performance period and the receipt period) proposed a cumulative setting method of ageing, which set the content of the electronic certificate of the prescription, the ageing content, including the collection of time, performance ageing and apply for settlement of the time limit, the agreement must be completed within a certain period of time at this stage, the contents of the agreement in any one stage is not completed within the effective time of this stage the electronic certificate was found to be invalid, the cumulative calculation of time, that is, within a certain period of time to complete the agreement at this stage, the remaining unused time accumulated in the next period of time.
The following describes in detail with reference to Figure 1 and Figure 2.
The following describes in detail with reference to Figure 1 and Figure 2.
[0052] The cumulative ageing method of the present implementation includes:
[0053] Step S100, the issuing bank back terminal server 20 receives the ageing rule setting request. Ageing rules include the time of collection, the performance of the statute of limitations and the time limit for the application of the settlement, the rules of limitation at the time of issuance of permits by the issuer or the solicitation of the licensee set, which refers to the issuing card issuer Client 10 to open, the issuing bank backstage server 20 issues the issuing request, the issuing bank backstage server 20 receives the issuing procedure of issuing the electronic certificate, and the issuing of the solicitation contract refers to that the issuing Client 40 issues the receiving request, the receiving line backstage server 40 receives the issuing certificate. The contents of the card request deliver a request for receiving the electronic certificate to the issuing bank back-terminal server 20, and the issuing bank back terminal server 20 issues an electronic certificate again.
In a preferred example, if the user (recipient, issuer) does not deliver an ageing rule setting request through his client, the deadline for certificate collection, performance limitation and application for settlement is set as the default deadline, for example, the collection of the limitation, the performance of the statutory time limit and apply for the expiration of the settlement set to 1 day, 7 days and 7 days.
In a preferred example, if the user (recipient, issuer) does not deliver an ageing rule setting request through his client, the deadline for certificate collection, performance limitation and application for settlement is set as the default deadline, for example, the collection of the limitation, the performance of the statutory time limit and apply for the expiration of the settlement set to 1 day, 7 days and 7 days.
[0054] Step S110, the issuing bank back terminal server 20 sequentially detects the information states of the electronic certificate within the expiration date, the performance time limit and the expiration date of application for settlement according to the set ageing rules.
Specifically, step S110 includes steps S111- S116:
Specifically, step S110 includes steps S111- S116:
[0055] Step S111, during the period of validity of the collection certificate, it is detected whether the confirmation of receiving the electronic certificate is received from the certificate collector client 40. If it is received, the electronic certificate is determined to be valid, and the procedure proceeds to step S112. Otherwise, if yes, go to step S116, determine that the electronic certificate is invalid, and release the state where the issuer's funds are frozen.
[0056] Step S112, subtracting the time for receiving the electronic certificate information fed back from the collector Client 40 subtracted from the time limit for receiving the certificate to calculate the remaining time for the certificate ageing, and then the remainder of the certificate ageing time and performance time limit of the original deadline calculated by the new deadline for performance. For example, the expiration date is set to 2 days and the deadline for performance expiration is set to 7 days. When the electronic certificate is received on the first day of the expiration date, the expiry date of the expiration date is 2- I
= 1 day, the new deadline for performance limitation is 7 + 1 = 8 days.
= 1 day, the new deadline for performance limitation is 7 + 1 = 8 days.
[0057] Step S113: Detecting whether the fulfilment information submitted by the collector Client 40 is received within the new deadline of the performance limitation, and if yes, determining that the electronic certificate is valid and proceeding to step S114; otherwise, if not receiving, step S116 is executed to determine that the electronic certificate has failed and the issuer status is cleared.
[0058] Step SI14, subtracting the new deadline of the performance time limit from the time of receipt of the performance information submitted by the lead subscriber Client 40 to calculate the remaining time of the contract ageing, and comparing the remaining time of the performance time limitation with the application. The original deadline is used for settlement and calculation of the deadline for applying the settlement of the new deadline.
Continuing with the example given in step S112 as an example, if the new deadline for the performance limitation is 10 days, if it is detected that the compliance information submitted by the collector Client 40 is received on the 3rd day of the new deadline for the performance limitation, the remaining time is 10-3 = 7 days. The new deadline for applying for the settlement shall be the original 7 days plus the remaining 7 days for the performance limitation.
Continuing with the example given in step S112 as an example, if the new deadline for the performance limitation is 10 days, if it is detected that the compliance information submitted by the collector Client 40 is received on the 3rd day of the new deadline for the performance limitation, the remaining time is 10-3 = 7 days. The new deadline for applying for the settlement shall be the original 7 days plus the remaining 7 days for the performance limitation.
[0059] Step S115: Detect whether an application for solution cancellation request is received from the collector Client 40 within a new deadline for applying for settlement, and if yes, determine that the electronic certificate is valid, proceed to step S120, and enter an electronic certificate on the other hand, if no receipt is received, step S116 is performed to determine that the electronic certificate is invalid and the state of the issuer's capital is released.
[0060] Accordingly, the present example also discloses a cumulative ageing system, please refer to Figure 2, in an example, the ageing setting system is set in the issuing bank back-terminal 20, the issuing bank background. The server 20 can exchange data with the receiving bank back terminal server 30 and the issuer Client 10, and the receiving bank back terminal server 30 can exchange data with the receiver Client 40.
[0061] The ageing accumulation setting system includes the ageing detection unit 21 and the time accumulation unit 22, which will be described in detail below.
[0062] The time accumulating unit 22 is used to calculate the deadline.
[0063] The ageing detection unit 21 is used to sequentially check the information status of the electronic certificate within the limitation period, the performance limitation period and the expiration date of application for settlement according to the set ageing rules. The ageing rules include the period of validity of the collection, the performance limitation and the period of time for applying for settlement, which is issued by the issuer at the issuer's client terminal 10 to the issuing bank background server 20 at the time of issuance of the certification at the time accumulating unit 22, 22 ageing rules may also be performed at the time of invitation for offer issuance by the recipient receiving client device 40 through the issuing bank back-terminal server 30 to the time accumulating unit 22 in the issuing bank background server 20 to issue an ageing rule setting request to set. In a preferred example, the time accumulating unit 22 sets the expiration date, the performance time limit and the expiration date of the application expiration date as the default deadline, respectively, if the user (the issuer or the credit card issuer) has not set the ageing rule, For example, the time limits of 1, 7 and 7 days are respectively set as 1, 7 and 7 days.
[0064] During the specific detection process, the ageing detection unit 21 detects whether the confirmation receiving electronic certificate information fed back by the collector Client 40 is received within the time limit of the collection validation, and if it is received, determines that the electronic certificate is valid, and the time accumulation unit 22 and then calculate the new deadline for compliance; on the contrary, the ageing detection unit 21 determines that the electronic certificate failure, the backstage server 20 of the issuing bank relieves the state of the freezing of the opening of the issuing fund.
[0065] The time accumulating unit 22 subtracts the time for receiving the electronic certificate information fed back from the collector Client 40 subtracted from the time limit for receiving the certificate to calculate the remaining time for the certificate ageing, and then the remainder of the certificate ageing time and performance time limit of the original deadline calculated by the new deadline for performance.
[0066] The ageing detection unit 21 detects whether the fulfilment information submitted by the collector Client 40 is received within the calculated new deadline of the performance limitation, and if received, determines that the electronic certificate is valid, and the time accumulation unit 22 further requests for improvement the expiration of the settlement of new deadlines; on the contrary, the agcing detection unit 21 determines that the electronic certificate failure, the backstage server 20 of the issuing bank relieves the state of the freezing of the opening of the issuing fund.
[0067] The time accumulating unit 22 subtracts the new deadline of the performance time limit from the time of receipt of the performance information submitted by the lead subscriber WO 2017/012028 puricN2015/084597 Client 40 to calculate the remaining time of the contract ageing, and comparing the remaining time of the performance time limitation with the application. The original deadline for settlement and calculation of the deadline is used for applying the settlement of the new deadline
[0068] The ageing detection unit 21 detects whether the application settlement request delivered by the collector Client 40 is received within the new deadline calculated in the above application, and if it is received, determines that the electronic certificate is valid and the electronic certificate enters. On the other hand, the ageing detection unit 21 determines that the electronic certificate has failed and the issuing bank back terminal server 20 releases the state where the issuer funds are frozen.
[0069] The cumulative ageing method and system disclosed in the present example sets and tests the validity of the electronic certificate, the limitation of performance and the time-limit for applying for the settlement of the settlement, which not only enables the issuer to arrange the control mode of the fund more rationally, it can also urge the receiver to receive electronic certificate in a timely manner, perform the performance and apply for payment, so that the transaction more smoothly.
[0070]
[0071] Example 2:
[0072] The method and system for setting a cumulative ageing according to the first example respectively detect whether an electronic cigarette receiving confirmation message delivered by the collecting Client 40 is received within a period of validity of the receiving certificate, performance time limit and application of the amortization time limit. The performance information and the request for liquidation, of which the remaining period of validity of the collection period is accumulated into the period of the performance limitation period, and the remaining unused period of the new period of the performance limitation period accumulates into the period of application for the settlement of the limitation period. This example also discloses a method and a system for setting a cumulative ageing, which is different from the first example in that a total duration is set in this example, and as long as it is detected that the recipient Client 40 is sequentially received within the total term issued by the electronic certificate to receive information, performance information and request a settlement request, the electronic certificate into the payment period, on the contrary, if any of the overdue (confirmation of receipt of electronic certificate information, compliance information and apply for a settlement request) was not detected. The electronic certificate is invalid. The following details are given.
[0073] Please refer to Figure 3, the cumulative ageing method of this example, including:
[0074] Step S200: the issuing bank server 20 receives the ageing rule setting request. Ageing rules include the time of collection, the performance of the statute of limitations and apply for the expiry of the total maturity. Of course, the limitation rules may also include the period of validity of collection, performance limitation, and time limit for applying for settlement.
At this time, the total duration may be obtained by adding the limitation of validity, the performance limitation and the time limit for applying for settlement. The setting process of the ageing rule in step S200 is similar to step S100 in the first example, and details are not described herein again.
At this time, the total duration may be obtained by adding the limitation of validity, the performance limitation and the time limit for applying for settlement. The setting process of the ageing rule in step S200 is similar to step S100 in the first example, and details are not described herein again.
[0075] Step S210, the issuing bank back terminal server 20 sequentially detects the information states of the electronic certificate within the expiration date, the performance time limit and the expiration date of application for settlement according to the set ageing rules.
Specifically, step S210 includes steps S211- S216.
Specifically, step S210 includes steps S211- S216.
[0076] Step S211: Detect within a first total term whether the electronic certificate information received by the verifier Client 40 is received, and if it is received, determine that the electronic certificate is valid and proceed to step S212; otherwise, if no electronic certificate is received. Step S2I6 is performed to determine that the electronic certificate is invalid, and the situation that the issuer funds are frozen is released. The first general term here is the total duration of the collection, the performance limitation and the time limit for applying for settlement.
[0077] Step S212: Calculate the second total term by subtracting the time of receiving the electronic certificate information fed back by the foregoing caller Client 40 from the first total term limit. For example, the first total term is 15 days, and when the electronic certificate is received on day 1, the second total term is 15-1 = 14 days.
[0078] Step S213: During the above calculated second total term, it is detected whether the fulfilment information submitted by the collector Client 40 is received. If it is received, it is determined that the electronic certificate is valid, and the process proceeds to step S214;
otherwise, in step S216, the electronic certificate is determined to be invalid, and the issuer's status is released.
otherwise, in step S216, the electronic certificate is determined to be invalid, and the issuer's status is released.
[0079] Step S214: Calculate a third total term by subtracting, from the second total term limit, the time when the performance information submitted by the foregoing collector Client 40 is received. Taking the example in step S212 as an example, the second total term is 14 days.
When it is detected that the third-day compliance information is submitted within the second total term, the third total term is 14-3 = 11 days.
When it is detected that the third-day compliance information is submitted within the second total term, the third total term is 14-3 = 11 days.
[0080] Step S215: Detect, within the third total term calculated above, whether an application for solution cancellation request delivered by the collector Client 40 is received, and if it is WO 2017/012028 PM(' \ 2015/084597 received, determine that the electronic certificate is valid, go to Step S220, and enter into the solution. On the contrary, when it is detected that the application for the solution to payout request has not been submitted within the third total term, step S216 is performed to determine that the electronic certificate is invalid and the status of issuer funds is released.
[0081] Accordingly, the ageing cumulative setting system disclosed by the present example, referring to Figure 2, also includes the ageing detection unit 21 and the time accumulation unit 22.
[0082] The time accumulating unit 22 is used to calculate the first, second and third total terms.
The time accumulating unit 22 receives the ageing rule setting request of the user Client 10, 40 and initializes the calculation to obtain the first total duration.
The time accumulating unit 22 receives the ageing rule setting request of the user Client 10, 40 and initializes the calculation to obtain the first total duration.
[0083] The ageing detection unit 21 is used to sequentially check the validity of the collection, the performance limitation and the application for settlement according to the preset ageing rules.
[0084] Specifically, the ageing detection unit 21 detects whether the confirmation receiving electronic certificate information fed back by the collector Client 40 is received within a first total term, and if it is received, determines that the electronic certificate is valid, and the time accumulating unit 22 performs the step. The total period of two calculations; the other hand, then determine the electronic certificate failure, the issuing bank backstage server 20 to lift the issuer of funds was frozen state. The above-mentioned first term is the total period of time for stock collection, performance limitation and application for settlement.
[0085] The time accumulating unit 22 calculates the second total term by subtracting the time of receiving the electronic certificate information fed back by the foregoing caller Client 40 from the first total term limit.
[0086] The ageing detection unit 21 detects whether the fulfilment information submitted by the witness Client 40 is received within the above calculated second total term, and if it is received, determines that the electronic certificate is valid, and the time accumulation unit 22 performs the third total. The deadline is calculated; otherwise, the electronic certificate is determined to be invalid, and the issuing bank backstage server 20 lifts the state that the issuer funds are frozen.
[0087] The time accumulating unit 22 calculates the third total term by subtracting the time when the second total term is received and received by the foregoing collector Client 40.
[0088] The ageing detection unit 21 detects, within the above calculated third total term, whether the application settlement request delivered by the certificate subscriber Client 40 is received. If it is received, the electronic certificate is determined to be valid, and the electronic certificate enters the solution payment. On the contrary, the ageing detection unit 21 determines that the electronic certificate has failed, and the issuing bank back terminal server 20 releases the state that the issuer funds are frozen.
[0089] A person of skill in the art considers the problems disclosed herein and sought to be solved by the present disclosure to be exclusively computer problems and contemplates only solutions to those problems that include essential computer elements. Abstract ideas, mere schemes, plans, rules, or mental processes that do not include computer elements are expressly excluded from this application.
[0090] Specific examples are used above to illustrate the present invention, but only to help understand the present invention, but not to limit the present invention. For the general technical personnel in this field, according to the ideas of the present invention, the above specific implementation methods can be changed.
Date Recue/Date Received 2020-06-23
Date Recue/Date Received 2020-06-23
Claims (36)
1. A computer system for setting a cumulative effective period in an electronic transaction, the system comprising:
a time accumulating unit configured to:
calculate an original performance time limitation;
subtract a receiving time of a confirmation for receiving electronic certificate from a period of validity of receipt to obtain a remaining time of the period of validity of receipt;
add an original performance time limitation and the remaining time of the period of validity of receipt to obtain a new performance time limitation;
subtract a receiving time of the original performance time limitation from a new performance time limitation to obtain a remaining performance time limitation; and add an original time limit for applying for settlement and the remaining performance time limitation to obtain a new time limit for applying for settlement;
a unit configured to:
sequentially monitor status information of electronic certificate regarding the period of validity of receipt, the new performance time limitation and the original time limit for applying for settlement, in accordance with a rule;
determine whether a confirmation for receiving electronic certificate is received from a receiver's client device within the period of validity of receipt;
Date Recue/Date Received 2022-06-08 where the confirmation for receiving electronic certificate is received within the period of validity of receipt, determine the electronic certificate to be valid so as to calculate the new performance time limitation; otherwise, determine the electronic certificate to be invalid;
determine whether performance information is received from the receiver's client device within the new performance time limitation;
where the performance information is received from the receiver's client device within the new performance time limitation, determine the electronic certificate to be valid so as to calculate the new time limit for applying for settlement; otherwise, determine the electronic certificate to be invalid;
determine whether a request for settlement is received from the receiver's client device within the new time limit for applying for settlement;
where the request for settlement is received from the receiver's client device within the new time limit for applying for settlement, determine the electronic certificate to be valid so as to execute a settlement process for the electronic certificate; otherwise, determine the electronic certificate to be invalid.
a time accumulating unit configured to:
calculate an original performance time limitation;
subtract a receiving time of a confirmation for receiving electronic certificate from a period of validity of receipt to obtain a remaining time of the period of validity of receipt;
add an original performance time limitation and the remaining time of the period of validity of receipt to obtain a new performance time limitation;
subtract a receiving time of the original performance time limitation from a new performance time limitation to obtain a remaining performance time limitation; and add an original time limit for applying for settlement and the remaining performance time limitation to obtain a new time limit for applying for settlement;
a unit configured to:
sequentially monitor status information of electronic certificate regarding the period of validity of receipt, the new performance time limitation and the original time limit for applying for settlement, in accordance with a rule;
determine whether a confirmation for receiving electronic certificate is received from a receiver's client device within the period of validity of receipt;
Date Recue/Date Received 2022-06-08 where the confirmation for receiving electronic certificate is received within the period of validity of receipt, determine the electronic certificate to be valid so as to calculate the new performance time limitation; otherwise, determine the electronic certificate to be invalid;
determine whether performance information is received from the receiver's client device within the new performance time limitation;
where the performance information is received from the receiver's client device within the new performance time limitation, determine the electronic certificate to be valid so as to calculate the new time limit for applying for settlement; otherwise, determine the electronic certificate to be invalid;
determine whether a request for settlement is received from the receiver's client device within the new time limit for applying for settlement;
where the request for settlement is received from the receiver's client device within the new time limit for applying for settlement, determine the electronic certificate to be valid so as to execute a settlement process for the electronic certificate; otherwise, determine the electronic certificate to be invalid.
2. The system of claim 1, wherein the rule includes the period of validity of receipt.
3. The system of any one of claims 1 to 2, wherein the rule includes the new performance time limitation.
4. The system of any one of claims 1 to 3, wherein the rule includes a pre-set time limit for applying for settlement.
Date Recue/Date Received 2022-06-08
Date Recue/Date Received 2022-06-08
5. The system of claim 1, wherein the rule includes a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement.
6. The system of any one of claims 1 to 5, wherein the rule is pre-set by a receiver via the receiver's client device.
7. The system of claim 2, wherein the period of validity of receipt is configured as a default value by a computer system.
8. The system of claim 3, wherein the performance time limitation is configured as a default value by the computer system.
9. The system of claim 4, wherein the pre-set time limit for applying for settlement is configured as a default value by the computer system.
10. A computer implemented method for setting a cumulative effective period in an electronic transaction, the method comprising:
a time accumulating unit configured to:
calculate an original performance time limitation;
subtract a first total duration from a period of validity of receipt to obtain a second total duration; and subtract a receiving time of performance information from the second total duration to obtain a third total duration;
a unit configured to:
Date Recue/Date Received 2022-06-08 sequentially monitor status information of electronic certificate regarding a period of validity of receipt, a performance time limitation and a time limit for applying for settlement, in accordance with a rule;
determine whether a confirmation for receiving electronic certificate is received from a receiver's client device within the first total duration, wherein the first total duration is configured a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement;
where the confirmation for receiving electronic certificate is received within the first total duration, determine the electronic certificate to be valid so as to calculate the second total duration; otherwise, determine the electronic certificate to be invalid;
determine whether the performance information is received from the receiver's client device within the second total duration;
where the performance information is received from the receiver's client device within the second total duration, determine the electronic certificate to be valid so as to calculate the third total duration; otherwise, determine the electronic certificate to be invalid;
determine whether a request for settlement is received from the receiver's client device within the third total duration; and where the request for settlement is received from the receiver's client device within the third total duration, determine the electronic certificate to be valid so as to execute a settlement process for the electronic certificate;
otherwise, determine the electronic certificate to be invalid.
Date Recue/Date Received 2022-06-08
a time accumulating unit configured to:
calculate an original performance time limitation;
subtract a first total duration from a period of validity of receipt to obtain a second total duration; and subtract a receiving time of performance information from the second total duration to obtain a third total duration;
a unit configured to:
Date Recue/Date Received 2022-06-08 sequentially monitor status information of electronic certificate regarding a period of validity of receipt, a performance time limitation and a time limit for applying for settlement, in accordance with a rule;
determine whether a confirmation for receiving electronic certificate is received from a receiver's client device within the first total duration, wherein the first total duration is configured a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement;
where the confirmation for receiving electronic certificate is received within the first total duration, determine the electronic certificate to be valid so as to calculate the second total duration; otherwise, determine the electronic certificate to be invalid;
determine whether the performance information is received from the receiver's client device within the second total duration;
where the performance information is received from the receiver's client device within the second total duration, determine the electronic certificate to be valid so as to calculate the third total duration; otherwise, determine the electronic certificate to be invalid;
determine whether a request for settlement is received from the receiver's client device within the third total duration; and where the request for settlement is received from the receiver's client device within the third total duration, determine the electronic certificate to be valid so as to execute a settlement process for the electronic certificate;
otherwise, determine the electronic certificate to be invalid.
Date Recue/Date Received 2022-06-08
11. The method of claim 10, wherein the rule includes the period of validity of receipt.
12. The method of any one of claims 10 to 11, wherein the rule includes the performance time limitation.
13. The method of any one of claims 10 to 12, wherein the rule includes a pre-set time limit for applying for settlement.
14. The method of claim 10, wherein the rule includes a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement.
15. The method of any one of claims 10 to 14, wherein the rule is pre-set by the receiver via the receiver's client device.
16. The method of claim 11, wherein the period of validity of receipt is configured as a default value by a computer system.
17. The method of claim 12, wherein the performance time limitation is configured as a default value by the computer system.
18. The method of claim 13, wherein the pre-set time limit for applying for settlement is configured as a default value by the computer system.
19. A computer implemented method for setting a cumulative effective period in an electronic transaction, the method comprising:
a financial server for issuing electronic certificate sequentially monitors status information of electronic certificate regarding a period of validity of receipt, a performance time limitation and an original time limit for applying for settlement, in accordance with a rule;
Date Recue/Date Received 2022-06-08 wherein monitoring the period of validity of receipt further includes determining whether a confirmation for receiving electronic certificate is received from a receiver's client device within the period of validity of receipt;
where the confirmation for receiving electronic certificate is received within the period of validity of receipt, determining the electronic certificate to be valid so as to calculate a new performance time limitation; otherwise, determining the electronic certificate to be invalid;
wherein the new performance time limitation is configured a sum of an original performance time limitation and a remaining time of the period of validity of receipt, wherein the remaining time of the period of validity of receipt is configured to be calculated by subtracting the period of validity of receipt and a receiving time of the confirmation for receiving electronic certificate;
wherein monitoring the performance time limitation further includes determining whether performance information is received from the receiver's client device within the new performance time limitation;
where the performance information is received from the receiver's client device within the new performance time limitation, determining the electronic certificate to be valid so as to calculate a new time limit for applying for settlement of electronic certificate;
otherwise, determining the electronic certificate to be invalid;
wherein the new time limit for applying for settlement is configured a sum of the original time limit for applying for settlement and a remaining performance time limitation, wherein the remaining performance time limitation is configured to be calculated by subtracting the new performance time limitation and a receiving time of the performance information;
Date Recue/Date Received 2022-06-08 wherein monitoring the original time limit for applying for settlement further includes determining whether a request for settlement is received from the receiver's client device within the new time limit for applying for settlement; and where the request for settlement is received from the receiver's client device within the new time limit for applying for settlement, determining the electronic certificate to be valid so as to execute a settlement process for the electronic certificate;
otherwise, determining the electronic certificate to be invalid.
a financial server for issuing electronic certificate sequentially monitors status information of electronic certificate regarding a period of validity of receipt, a performance time limitation and an original time limit for applying for settlement, in accordance with a rule;
Date Recue/Date Received 2022-06-08 wherein monitoring the period of validity of receipt further includes determining whether a confirmation for receiving electronic certificate is received from a receiver's client device within the period of validity of receipt;
where the confirmation for receiving electronic certificate is received within the period of validity of receipt, determining the electronic certificate to be valid so as to calculate a new performance time limitation; otherwise, determining the electronic certificate to be invalid;
wherein the new performance time limitation is configured a sum of an original performance time limitation and a remaining time of the period of validity of receipt, wherein the remaining time of the period of validity of receipt is configured to be calculated by subtracting the period of validity of receipt and a receiving time of the confirmation for receiving electronic certificate;
wherein monitoring the performance time limitation further includes determining whether performance information is received from the receiver's client device within the new performance time limitation;
where the performance information is received from the receiver's client device within the new performance time limitation, determining the electronic certificate to be valid so as to calculate a new time limit for applying for settlement of electronic certificate;
otherwise, determining the electronic certificate to be invalid;
wherein the new time limit for applying for settlement is configured a sum of the original time limit for applying for settlement and a remaining performance time limitation, wherein the remaining performance time limitation is configured to be calculated by subtracting the new performance time limitation and a receiving time of the performance information;
Date Recue/Date Received 2022-06-08 wherein monitoring the original time limit for applying for settlement further includes determining whether a request for settlement is received from the receiver's client device within the new time limit for applying for settlement; and where the request for settlement is received from the receiver's client device within the new time limit for applying for settlement, determining the electronic certificate to be valid so as to execute a settlement process for the electronic certificate;
otherwise, determining the electronic certificate to be invalid.
20. The method of claim 19, wherein the rule includes the period of validity of receipt.
21. The method of any one of claims 19 to 20, wherein the rule includes the performance time limitation.
22. The method of any one of claims 19 to 21, wherein the rule includes a pre-set time limit for applying for settlement.
23. The method of claim 19, wherein the rule includes a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement.
24. The method of any one of claims 19 to 23, wherein the rule is pre-set by the receiver via the receiver's client device.
25. The method of claim 19, wherein the period of validity of receipt is configured as a default value by a computer system.
26. The method of claim 21, wherein the performance time limitation is configured as a default value by the computer system.
27. The method of claim 22, wherein the pre-set time limit for applying for settlement is configured as a default value by the computer system.
Date Recue/Date Received 2022-06-08
Date Recue/Date Received 2022-06-08
28. A computer implemented method for setting a cumulative effective period in an electronic transaction, the method comprising:
a financial server for issuing electronic certificate sequentially monitors status information of electronic certificate regarding a period of validity of receipt, a performance time limitation and a time limit for applying for settlement, in accordance with a rule;
wherein monitoring the period of validity of receipt further includes determining whether a confirmation for receiving electronic certificate is received from a receiver's client device within a first total duration, wherein the first total duration is configured a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement;
where the confirmation for receiving electronic certificate is received within the first total duration, determining the electronic certificate to be valid so as to calculate a second total duration; otherwise, determining the electronic certificate to be invalid;
wherein the second total duration is configured to be calculated by subtracting the first total duration and a receiving time of the confirmation for receiving electronic certificate;
wherein monitoring the performance time limitation further includes determining whether performance information is received from the receiver's client device within the second total duration;
where the performance information is received from the receiver's client device within the second total duration, determining the electronic certificate to be valid so as to calculate a third total duration; otherwise, determining the electronic certificate to be invalid;
Date Recue/Date Received 2022-06-08 wherein the third total duration is configured to be calculated by subtracting the second total duration and a receiving time of the performance information;
wherein monitoring the time limit for applying for settlement further includes determining whether a request for settlement is received from the receiver's client device within the third total duration; and where the request for settlement is received from the receiver's client device within the third total duration, determining the electronic certificate to be valid so as to execute a settlement process for the electronic certificate; otherwise, determining the electronic certificate to be invalid.
a financial server for issuing electronic certificate sequentially monitors status information of electronic certificate regarding a period of validity of receipt, a performance time limitation and a time limit for applying for settlement, in accordance with a rule;
wherein monitoring the period of validity of receipt further includes determining whether a confirmation for receiving electronic certificate is received from a receiver's client device within a first total duration, wherein the first total duration is configured a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement;
where the confirmation for receiving electronic certificate is received within the first total duration, determining the electronic certificate to be valid so as to calculate a second total duration; otherwise, determining the electronic certificate to be invalid;
wherein the second total duration is configured to be calculated by subtracting the first total duration and a receiving time of the confirmation for receiving electronic certificate;
wherein monitoring the performance time limitation further includes determining whether performance information is received from the receiver's client device within the second total duration;
where the performance information is received from the receiver's client device within the second total duration, determining the electronic certificate to be valid so as to calculate a third total duration; otherwise, determining the electronic certificate to be invalid;
Date Recue/Date Received 2022-06-08 wherein the third total duration is configured to be calculated by subtracting the second total duration and a receiving time of the performance information;
wherein monitoring the time limit for applying for settlement further includes determining whether a request for settlement is received from the receiver's client device within the third total duration; and where the request for settlement is received from the receiver's client device within the third total duration, determining the electronic certificate to be valid so as to execute a settlement process for the electronic certificate; otherwise, determining the electronic certificate to be invalid.
29. The method of claim 28, wherein the rule includes the period of validity of receipt.
30. The method of any one of claims 28 to 29, wherein the rule includes the performance time limitation.
31. The method of any one of claims 28 to 30, wherein the rule includes a pre-set time limit for applying for settlement.
32. The method of claim 28, wherein the rule includes a total duration of the period of validity of receipt, the performance time limitation and the time limit for applying for settlement.
33. The method of any one of claims 28 to 32, wherein the rule is pre-set by the receiver via the receiver's client device.
34. The method of claim 29, wherein the period of validity of receipt is configured as a default value by a computer system.
Date Recue/Date Received 2022-06-08
Date Recue/Date Received 2022-06-08
35. The method of claim 30, wherein the performance time limitation is configured as a default value by the computer system.
36. The method of claim 31, wherein the pre-set time limit for applying for settlement is configured as a default value by the computer system.
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084597 WO2017012028A1 (en) | 2015-07-21 | 2015-07-21 | Method and system for setting cumulative effective period |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2994886A1 CA2994886A1 (en) | 2017-01-26 |
| CA2994886C true CA2994886C (en) | 2023-01-10 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2994886A Active CA2994886C (en) | 2015-07-21 | 2015-07-21 | Method and system for setting cumulative effective period |
Country Status (3)
| Country | Link |
|---|---|
| CN (1) | CN106164954A (en) |
| CA (1) | CA2994886C (en) |
| WO (1) | WO2017012028A1 (en) |
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| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US7051001B1 (en) * | 1998-08-27 | 2006-05-23 | Citibank, N.A. | System and method for merchant function assumption of internet checking and savings account transactions |
| KR100297976B1 (en) * | 2000-02-16 | 2001-11-03 | 정창희 | System and method for issuing cyber payment means marked with business identification information and processsing transaction with the cyber payment means on the computer network |
| CN1506886A (en) * | 2002-12-10 | 2004-06-23 | 铼捷科技股份有限公司 | Electronic check trade method in Internet |
| CN1928907A (en) * | 2006-10-13 | 2007-03-14 | 钟杨 | Method, system and device for transaction payment using mobile terminal equipment |
| CN101345898A (en) * | 2007-07-11 | 2009-01-14 | 北京方维银通科技有限公司 | Electronic warrant payment platform, system and method |
| CN204178394U (en) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | A kind of electronic certificate generating apparatus |
-
2015
- 2015-07-21 WO PCT/CN2015/084597 patent/WO2017012028A1/en active Application Filing
- 2015-07-21 CN CN201580012860.XA patent/CN106164954A/en active Pending
- 2015-07-21 CA CA2994886A patent/CA2994886C/en active Active
Also Published As
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|---|---|
| CA2994886A1 (en) | 2017-01-26 |
| CN106164954A (en) | 2016-11-23 |
| WO2017012028A1 (en) | 2017-01-26 |
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