CA2993049C - Electronic certificate payment method, system and device - Google Patents
Electronic certificate payment method, system and device Download PDFInfo
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- CA2993049C CA2993049C CA2993049A CA2993049A CA2993049C CA 2993049 C CA2993049 C CA 2993049C CA 2993049 A CA2993049 A CA 2993049A CA 2993049 A CA2993049 A CA 2993049A CA 2993049 C CA2993049 C CA 2993049C
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- 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
- G06Q20/16—Payments settled via telecommunication systems
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Abstract
Disclosed are an electronic certificate payment method, system and device, the method comprising the steps of: a third party end sends payment application information to a first funds management server according to authorisation information of a first party and a second party; the first funds management server receives the payment application information, and performs an electronic certificate payment according to the payment application information. In the electronic certificate payment method, the payment is performed via an electronic certificate, reducing the transaction risk. In addition, the method allows the third party authorised by the first party and the second party to submit the payment application information to apply for the electronic certificate payment, increasing the flexibility of the electronic certificate payment. Since the third party is an intermediate party connecting the first party and the second party, and able to rapidly obtain transaction information of both parties, transaction progress may therefore be fed back to a system in a timely manner to advance the transaction process so that a seller is able to receive payment in a timely manner after fulfillment, thereby protecting the interests of both a buyer and the seller, and increasing transaction efficiency.
Description
Title: Electronic Certificate Payment Method, System And Device Technical Field [0001] The present invention relates to the technical field of E-commerce, and in particular, to a solution method, a system and a device for an electronic certificate.
Background Technology
Background Technology
[0002] With the rapid development of computers, networks and modern communication technology, E-commerce has become a popular and even popular way of transaction.
E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
[0003] The payment method of E-conunerce usually adopts the network payment, the traditional network payment, mostly the funds in the bank card are directly allocated to each other's account, or allocated to a third party institution as a guarantee. After the buyer's fund transfer order is issued, the funds will be transferred directly, the following situations often occur: the buyer has not received the commodity or services provided by the merchant, and its funds have been paid to the seller by the bank or the third party organization; or after the seller offers the commodity or services, the buyer is unable to pay the corresponding funds.
Or the buyer transfers the funds to the wrong account. Therefore, the traditional online payment methods have certain trading risks and cannot guarantee the interests of buyers and sellers.
Technical problem
Or the buyer transfers the funds to the wrong account. Therefore, the traditional online payment methods have certain trading risks and cannot guarantee the interests of buyers and sellers.
Technical problem
[0004] The main purpose of the present invention is to provide a method, system and device for electronic certificate solution, aimed at reducing transaction risk, improve the flexibility of the electronic certificate settlement link, and safeguard the interests of both buyers and sellers.
Problem solving solution Technical solutions
Problem solving solution Technical solutions
[0005] In order to achieve the above object, the present invention provides a method for electronic certificate payment, including the following steps:
[0006] The third party delivers the payment application information to the first Funds-Management server according to the authorization information of the First Participant and the Second Participant;
[0007] The first Funds-Management server receives the application information of the solution, and the electronic certificate payment is made according to the application information.
[0008] Wherein, the electronic certificate is opened by the first Funds-Management server according to the First Participant's application for freezing funds or credit limit of the First Participant, and after receiving the payment application information, the electronic certificate is transmitted to the Second Participant Payment certificate of electronic credit commitment.
[0009] Wherein, the third party may directly deliver the payment application information to the first Funds-Management server, and may also deliver the payment application information to the first Funds-Management server through the second Funds-Management server, that is, the third party deliver the application information to the second Funds-Management server, and the second Funds-Management server delivers the application information to the first Funds-Management server.
[0010] Wherein, the first Funds-Management server solves the electronic certificate according to the solution application information: the first Funds-Management server verifies the state of the electronic certificate corresponding to the solution payment application information, or verifies the identity of the third party and the status of the electronic certificate corresponding to the application information. After the verification is passed, the electronic certificate is executed.
[0011] The present invention also proposes an electronic certificate solution payment method, applied to the first Funds-Management server, including the following steps:
[0012] Receives the payment application information delivered by the third party according to the authorization information of the First Participant and the Second Participant;
[0013] According to the solution payment application information electronic certificate solution;
[0014] Wherein, the electronic certificate is opened by the first Funds-Management server according to the First Participant's application for freezing funds or credit limit of the First Participant, and after receiving the payment application information, the electronic certificate is transmitted to the Second Participant Payment certificate of electronic credit commitment.
[0015] Wherein, receiving the payment application information delivered by the third party according to the authorization information of the first party and the second party includes:
receiving the payment application information directly delivered by the third party or receiving the payment application information forwarded by the second Funds-Management server and transmitted by the third party terminal to deliver the solution payment application information.
receiving the payment application information directly delivered by the third party or receiving the payment application information forwarded by the second Funds-Management server and transmitted by the third party terminal to deliver the solution payment application information.
[0016] Wherein, the electronic certificate solution payment according to the solution payment application information is specifically: verifying the status of the electronic certificate corresponding to the solution payment application or verifying the identity of the third party and the state of the electronic certificate corresponding to the application information after the verification is passed, the electronic certificate is executed.
[0017] The present invention also proposes an electronic certificate solution payment system, including a third party and a first Funds-Management server, wherein:
[0018] The third party terminal is used to deliver the payment application information to the first Funds-Management server according to the authorization information of the First Participant and the Second Participant;
[0019] The first Funds-Management server is used to receive the application information of the solution, and the electronic certificate payment is made according to the application information;
[0020] Wherein, the electronic certificate is opened by the first Funds-Management server according to the First Participant's application for freezing funds or credit limit of the First Participant, and after receiving the payment application information, the electronic certificate is transmitted to the Second Participant Payment certificate of electronic credit commitment.
[0021] Wherein, the third party may deliver the payment application information directly to the first Funds-Management server, or may also deliver the payment application information to the first Funds-Management server through the second Funds-Management server.
[0022] The present invention also proposes an electronic certificate payment device, which is applied to the first Funds-Management server, including the receiving module and the payment module, wherein:
[0023] The receiving module is used to receive the payment application information delivered by the third party according to the authorization information of the First Participant and the Second Participant;
[0024] The solution to pay module solve the electronic certificate according to the solution payment application information.
[0025] Wherein, the solution payment module is also used to: verify the state of the electronic certificate corresponding to the solution payment application information, or verify the identity of the third party and the state of the electronic certificate corresponding to the application information; when the verification is successful, the electronic certificate executes payment.
The beneficial effect of the invention Beneficial effect
The beneficial effect of the invention Beneficial effect
[0026] The present invention provides an electronic certificate payment method, system and device, on the one hand, by electronic certificate payment, it reducing the transaction risk;
on the other hand, allow the first party and the second party (such as the buyer and seller) to submit the payment application information by third parties authorized by the second parties to apply for the payment of the payment, which improves the flexibility of electronic certificate payment. Since a third party is a middleman connecting the First Participant and the Second Participant, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
A brief description of the drawings Brief Description
on the other hand, allow the first party and the second party (such as the buyer and seller) to submit the payment application information by third parties authorized by the second parties to apply for the payment of the payment, which improves the flexibility of electronic certificate payment. Since a third party is a middleman connecting the First Participant and the Second Participant, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
A brief description of the drawings Brief Description
[0027] Figure 1 is a flow chart of the first example of the electronic certificate solution payment method of the present invention;
[0028] Figure 2 is a flowchart of the second example of the electronic certificate solution payment method of the present invention;
[0029] Figure 3 is a flow chart of the electronic certificate solution payment method of the third example of the present invention;
[0030] Figure 4 is a flow chart of the electronic certificate solution payment method of the fourth example of the present invention;
[0031] Figure 5 is a block diagram of the first example of the electronic certificate solution payment system of the present invention;
[0032] Figure 6 is a block diagram of a second example of the electronic certificate solution payment system of the present invention;
[0033] Figure 7 is a block diagram of an example of the electronic certificate settlement device of the present invention.
[0034] The realization of the object of the present invention, features and advantages of the present invention will be further described with reference to the accompanying drawings.
Examples of the invention Implementation pattern of the present invention
Examples of the invention Implementation pattern of the present invention
[0035] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.
[0036] In the examples of the present invention, the Funds-Management server is a server of the funds management institution and the funds management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions), that is, Funds-Management server includes a bank server or other financial institution server.
[0037] In this example of the present invention, the electronic certificate refers to that the first Funds-Management server is opened according to the First Participant's application for freezing funds or credit limit of the First Participant, and after receiving the payment application information, the Second Participant pays a certificate of electronic credit that is equal to the amount of the electronic certificate. It is an intemet innovative basic financial instrument that is paid for by a fund management institution's credit commitment.
[0038] In the example of the present invention, electronic certificate solution refers to the issuer (such as the issuing bank) received the solution payment application and confirmed that meet the conditions for payment, transfer the frozen funds or credit from the payment account of electronic certificate to the liquidation account of electronic certificate of issuing bank. Eventually, the issuing bank will transfer the funds or authorization to the collecting bank, and the collecting bank will transfer the funds or credit to the receiving account of the electronic certificate.
[0039] In the example of the present invention, the transaction process based on the electronic certificate includes several periods of the issuing period, the collection period, the performance period, the receipt period, the payment period and so on, wherein:
[0040] Opening date: the opening of an electronic certificate means that before the formation of a transaction order or formation of a transaction order, the first party (buyer) delivers a request to the first Funds-Management server ( the issuing authority such as the issuing bank's server) to apply for the opening of an electronic certificate. The first Funds-Management server opens an electronic certificate according to the First Participant's issuing application, and stores the amount of electronic certificate in the account specified by the First Participant (i.e., the payment account) for corresponding reservation (usually, in the frozen account funding or credit, frozen credit can be divided into two situations: one from the beginning of the frozen credit, the first Funds-Management server to start calculating interest, which is the buyer's credit card limit; the other is from the Second Participant such as the seller) received the credit corresponding funds, the first Funds-Management server began to calculate the interest).
[0041] Collection period: the Second Participant (such as the seller) apply to the second Funds-Management server (i.e. collection agencies such as the receiving bank's server) for a certificate, overdue certificate of non-compliance electronic certificate failure, the second Funds- Management server authentication information to be certified.
[0042] Compliance Period: the Second Participant submits the compliance information (such as delivery information), and fails to submit the electronic certificate after the deadline.
[0043] Signing Period: the third-party terminal to apply for payment, overdue application did not submit information (such as receipt information) electronic certificate failure. After the third-party application for payment, electronic certificate enter into the payment period.
[0044] In the following, the payment of the electronic certificate will be described in detail through specific examples.
[0045] Please refer to Figure 1, the first example of the present invention electronic certificate solution payment method, the method includes the following steps:
[0046] S11: the third party delivers the payment application information to the second Funds-Management server according to the authorization information of the First Participant and the Second Participant.
[0047] In step S11, the third party submits the payment application information to the first Funds-Management server through the second Funds-Management server according to the authorization information of the First Participant and the Second Participant (such as buyer and seller). Specifically, the payment application information is delivered to the second Funds-Management server by logging in the corresponding web page or opening the corresponding application, and the payment application information may be the receipt data, the protocol, etc. The payment application information may further include a First Participant and the Second Participant's authorization information to the third party. In some examples, the foregoing authorization information may also be submitted when the electronic certificate is opened.
[0048] S12, the second Funds-Management server forwards the solution payment application information to the first Funds-Management server.
[0049] S13, the first Funds-Management server verifies the identity of the third party and the status of the electronic certificate corresponding to the payment application information.
After the verification is passed, step S14 is performed. If the verification fails, the process ends and the second Funds-Management server may be notified, for example, an error message is returned to the second Funds-Management server.
After the verification is passed, step S14 is performed. If the verification fails, the process ends and the second Funds-Management server may be notified, for example, an error message is returned to the second Funds-Management server.
[0050] In this step S13, after receiving the payment application information, the first Funds-Management server verifies the status of the electronic certificate and the identity of the third party. When both of them are verified successfully, the verification is passed.
When any one of the verifications When unsuccessful, the verification fails.
The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again.
After the verification of the password is successfully verified, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
When any one of the verifications When unsuccessful, the verification fails.
The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again.
After the verification of the password is successfully verified, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
[0051] The status of the electronic certificate corresponding to the payment application information is verified, including verifying whether the electronic certificate corresponding to the payment application is valid or not and / or whether the electronic certificate has been settled. If the electronic certificate is valid or / and has not yet been settled, verification success; if the electronic certificate is invalid or / and has been paid, verification fails.
[0052] For the verification of the identity of the third party, that is to verify whether the identity of the third party is true and whether it matches the authorized third party.
[0053] Further, when the verification of the electronic certificate is successful, the first Funds-Management server updates the state of the electronic certificate to be released and may deliver a payment notification to the buyer.
[0054] S14, the first Funds-Management server solves the payment of electronic certificate.
[0055] Specifically, the first Funds-Management server unfreezes the funds (or credits) frozen in the payment account of the electronic certificate and transfers the defrosted funds to the first Funds-Management server. Finally, the funds are transferred from the first Funds-Management server to the second Funds-Management server, and the funds are transferred from the second Funds-Management server to the electronic certificate receiving account.
[0056] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate as being settled and delivers the updated information to the second Funds-Management server.
[0057] Please refer to Figure 2, the second example of the present invention electronic certificate solution payment method, the method includes the following steps:
[0058] S21: the third party delivers the payment application information to the second Funds-Management server according to the authorization information of the First Participant and the Second Participant.
[0059] In step S21, the third party submits the payment application information to the first Funds-Management server through the second Funds-Management server according to the authorization information of the First Participant and the Second Participant (such as buyer and seller). Specifically, the payment application information is delivered to the second Funds-Management server by logging in the corresponding web page or opening the corresponding application, and the payment application information may be the receipt data, the protocol, etc.
[0060] S22, the second Funds-Management server receives the payment application information to verify the identity of the third party. When the verification is passed, step S23 is executed;
otherwise, the flow is ended.
otherwise, the flow is ended.
[0061] Specifically, after receiving the payment application information, the second Funds-Management server verifies the identity of the seller according to the payment application information. When the authentication is passed, step S23 is executed. When the authentication fails, the process ends and the third-party authentication fails. For example, an error message is returned to the third-party.
[0062] S23, the second Funds-Management server forwards the solution payment application information to the first Funds-Management server.
[0063] S24, the first Funds-Management server verifies the state of the electronic certificate corresponding to the solution payment application information. After the verification succeeds, step S25 is performed. If the verification fails, the process ends and the second Funds-Management server may be notified, for example, an error message is returned to the second Funds-Management server.
[0064] In step S24, after receiving the payment application information, the first Funds-Management server verifies the status of the electronic certificate corresponding to the payment application, including verifying whether the electronic certificate corresponding to the payment application is valid or not and! or whether the electronic certificate has been settled. If the electronic certificate is valid or! and has not yet been settled, verification success; if the electronic certificate is invalid or /
and has been paid, verification fails.
and has been paid, verification fails.
[0065] Further, when the verification of the electronic certificate is successful, the first Funds-Management server updates the state of the electronic certificate to be released and may deliver a payment notification to the buyer.
[0066] S25, the first Funds-Management server solves the payment of electronic certificate.
[0067] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate as being settled and delivers the updated information to the second Funds-Management server.
[0068] Please refer to Figure 3, the third example of the present invention electronic certificate solution payment method, the method includes the following steps:
[0069] S31: the third party delivers the payment application information to the first Funds-Management server according to the authorization information of the First Participant and the Second Participant.
[0070] In step S31, the third party directly submits the payment application information to the first Funds-Management server according to the authorization information of the First Participant and the Second Participant (such as buyer and seller), specifically, the payment application information is delivered to the second Funds-Management server by logging in the corresponding web page or opening the corresponding application, and the payment application information may be the receipt data, the protocol, etc.
[0071] S32, the first Funds-Management server verifies the identity of the third party and the status of the electronic certificate corresponding to the payment application information.
After the verification is passed, step S33 is executed. When the verification fails, the process ends and a third party may be notified, for example, an error message is returned to the third party.
After the verification is passed, step S33 is executed. When the verification fails, the process ends and a third party may be notified, for example, an error message is returned to the third party.
[0072] In this step S32, after receiving the payment application information, the first Funds-Management server verifies the status of the electronic certificate and the identity of the third party. When both of them are verified successfully, the verification is passed.
When any one of the verifications When unsuccessful, the verification fails.
The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again.
After the verification of the password is successfully verified, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
When any one of the verifications When unsuccessful, the verification fails.
The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again.
After the verification of the password is successfully verified, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
[0073] The status of the electronic certificate corresponding to the settlement application is verified, including verifying whether the electronic certificate corresponding to the settlement application is valid or not and / or whether the electronic certificate has been paid. If the electronic certificate is valid or / and has not yet been settled, verification Success; if the electronic certificate is invalid or / and has been paid, verification fails.
[0074] For the verification of the identity of the third party, that is to verify whether the identity of the third party is true and whether it matches the authorized third party.
[0075] Further, when the verification of the electronic certificate is successful, the first Funds-Management server updates the state of the electronic certificate to be released and may deliver a payment notification to the buyer.
[0076] S33, the first Funds-Management server solves the payment of electronic certificate.
[0077] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate as being settled and delivers the updated information to the second Funds-Management server.
[0078] Figure 4, a solution of the fourth example of the electronic certificate payment method of the present invention is proposed. The method of this example is applied to the foregoing first Funds-Management server. The method includes the following steps:
[0079] S41: Receive the payment application information delivered by the third party according to the authorization information of the First Participant and the Second Participant.
[0080] In step S41, the payment application information received by the first Funds-Management server may be the payment application information directly delivered by the third party, or may be the second Funds-Management server forwarding application information deliver to the second Funds-Management server by the third party. The payment application information may be the receipt data, the protocol, etc. The payment application information may further include a First Participant and the Second Participant's authorization information to the third party. In some examples, the foregoing authorization information may also be submitted when the electronic certificate is opened.
[0081] S42, According to the solution payment application information electronic certificate solution.
[0082] In step S42, the first Funds-Management server verifies the identity of the third party and the status of the electronic certificate corresponding to the solution application. When both are verified successfully, the solution is executed on the electronic certificate after verification is passed; when any one of the verifications is unsuccessful, the verification fails and the solution is not forwarded, and the third party or the second Funds-Management server can be notified, such as return an error message to the third-party or second Funds-Management server.
[0083] The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again. After the verification of the password is successfully verified, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
[0084] The status of the electronic certificate corresponding to the settlement application is verified, including verifying whether the electronic certificate corresponding to the settlement application is valid or not and / or whether the electronic certificate has been paid. If the electronic certificate is valid or / and has not yet been settled, verification Success; if the electronic certificate is invalid or / and has been paid, verification fails.
[0085] For the verification of the identity of the third party, that is to verify whether the identity of the third party is true and whether it matches the authorized third party.
[0086] In some examples, the payment application information is forwarded by the second Funds-Management server, and the identity of the third party has been verified by the second Funds-Management server. In this case, the first Funds-Management server only needs to verify payment application to the electronic certificate corresponding to the status of the application.
[0087] The first Funds-Management server solves the electronic certificate:
Specifically, the first Funds-Management server unfreezes the funds (or credits) frozen in the payment account of the electronic certificate and transfers the funds after unfreezing to the Funds-Management server. Finally, the funds are transferred from the first Funds-Management server to the second Funds-Management server, and the funds are transferred from the second Funds-Management server to the electronic certificate receiving account.
Specifically, the first Funds-Management server unfreezes the funds (or credits) frozen in the payment account of the electronic certificate and transfers the funds after unfreezing to the Funds-Management server. Finally, the funds are transferred from the first Funds-Management server to the second Funds-Management server, and the funds are transferred from the second Funds-Management server to the electronic certificate receiving account.
[0088] Further, when the verification of the electronic certificate is successful, the first Funds-Management server updates the state of the electronic certificate to be released and may deliver a payment notification to the buyer.
[0089] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate as being settled and delivers the updated information to the second Funds-Management server.
[0090] Thus, the electronic certificate settlement method of the present invention, on the one hand, by electronic certificate payment, it reducing the transaction risk; on the other hand, allow the first party and the second party (such as the buyer and seller) to submit the payment application information by third parties authorized by the second parties to apply for the payment of the payment, which improves the flexibility of electronic certificate payment.
Since a third party is a middleman connecting the First Participant and the Second Participant, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
Since a third party is a middleman connecting the First Participant and the Second Participant, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
[0091] Figure 5, a first example of the electronic certificate solution delivery system of the present invention is proposed, where the system includes a third party, a second Funds-Management server, and a first Funds-Management server, wherein:
[0092] The third party terminal is used to deliver the payment application information to the first Funds-Management server through the second Funds-Management server according to the authorization information of the First Participant and the Second Participant, where the application payment information may be a receipt data, agreement and so on.
[0093] The second Funds-Management server: is set to receive the payment application information delivered by the third party, and forward the payment application information to the first Funds-Management server.
[0094] The first Funds-Management server is used to receive the application information of the solution, and the electronic certificate payment is made according to the application information.
[0095] Specifically, after receiving the payment application information, the first Funds-Management server verifies the status of the third party's identity and the electronic certificate corresponding to the payment application; when both are verified successfully, the verification is successful and if any authentication fails, the verification fails, the second Funds-Management server can be notified, and an error message is returned to the second Funds-Management server.
[0096] The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again. After identity is successfully verified, the verification is passed. Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
[0097] The status of the electronic certificate corresponding to the settlement application is verified, including verifying whether the electronic certificate corresponding to the settlement application is valid or not and / or whether the electronic certificate has been paid. If the electronic certificate is valid or / and has not yet been settled, verification Success; if the electronic certificate is invalid or / and has been paid, verification fails.
[0098] For the verification of the identity of the third party, that is to verify whether the identity of the third party is true and whether it matches the authorized third party.
[0099] The first Funds-Management server solves the electronic certificate:
Specifically, unfreezes the funds (or credits) frozen in the payment account of the electronic certificate and transfers the funds after unfreezing to the Funds-Management server. Finally, the funds are transferred from the first Funds-Management server to the second Funds-Management server, and the funds are transferred from the second Funds-Management server to the electronic certificate receiving account.
Specifically, unfreezes the funds (or credits) frozen in the payment account of the electronic certificate and transfers the funds after unfreezing to the Funds-Management server. Finally, the funds are transferred from the first Funds-Management server to the second Funds-Management server, and the funds are transferred from the second Funds-Management server to the electronic certificate receiving account.
[0100] Further, when the verification of the electronic certificate is successful, the first Funds-Management server updates the status of the electronic certificate to be released and delivers the cancellation notification to the buyer.
[0101] Further, after the electronic certificate is released, the first Funds-Management server updates the status of the electronic certificate as being settled and delivers the updated information to the second Funds-Management server.
[0102] In some examples, after receiving the payment application information, the second Funds-Management server verifies the identity of the third party. When the second Funds-Management server passes the verification, the second Funds-Management server forwards the payment request to the first Funds-Management server Information, the first Funds-Management server only needs to verify the status of the electronic certificate corresponding to the payment application.
[0103] Please refer to Figure 6, a second example of the electronic certificate solution delivery system of the present invention is proposed. The system includes a third party and a first Funds-Management server, wherein:
[0104] The third party terminal is used to deliver directly the payment application information to the first Funds-Management server according to the authorization information of the First Participant and the Second Participant, where the application payment information may be a receipt data, agreement and so on.
[0105] The first Funds-Management server is used to receive the application information of the solution, and the electronic certificate payment is made according to the application information.
[0106] Specifically, after receiving the payment application information, the first Funds-Management server verifies the status of the third party's identity and the electronic certificate corresponding to the payment application information; when both are verified successfully, the verification is successful and if any authentication fails, the verification fails, the second Funds-Management server can be notified, and when any validation fails, the validation fails, the payment is not unsolved, and the third party can be notified, such as returning an error message to the third party.
[0107] The system for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.
[0108] Please refer to Figure 7, an electronic certificate payment device according to an example of the present invention is proposed. The device is applied to the foregoing first Funds-Management server, and includes a receiving module and a payment module, wherein:
[0109] The receiving module is used to receive the payment application information delivered by the third party according to the authorization information of the First Participant and the Second Participant.
[0110] The payment application information received by the receiving module may be the payment application information directly sent by the third party, or may be the second Funds-Management server forwarding application information deliver to the second Funds-Management server by the third party. The application payment information may be receipt data, a protocol, and so on.
[0111] Solution module: set to be resolved according to the application information for electronic certificate solution payment.
[0112] Specifically, the solution payment module verifies the identity of the third party and the status of the electronic certificate corresponding to the payment application information according to the solution payment application information. When both are verified successfully, the solution is executed on the electronic certificate after verification is passed; when any one of the verifications is unsuccessful, the verification fails and the solution is not forwarded, and the third party or the second Funds-Management server can be notified, such as return an error message to the third-party or second Funds-Management server.
[0113] The state of the electronic certificate can be verified first. When the status of the electronic certificate is verified successfully, the identity of the third party is verified again. After the verification of the password is successfully verified, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
Alternatively, the identity of the third party can be verified first, after authentication is successful, the state of the electronic certificate is verified again. After the state of the electronic certificate is verified successfully, the verification is passed.
[0114] The status of the electronic certificate corresponding to the settlement application is verified, including verifying whether the electronic certificate corresponding to the settlement application is valid or not and / or whether the electronic certificate has been paid. If the electronic certificate is valid or / and has not yet been settled, verification Success; if the electronic certificate is invalid or / and has been paid, verification fails.
[0115] For the verification of the identity of the third party, that is to verify whether the identity of the third party is true and whether it matches the authorized third party.
[0116] In some examples, the payment application information is forwarded by the second Funds-Management server, and the identity of the third party has been verified by the second Funds-Management server. In this case, the first Funds-Management server only needs to verify payment application to the electronic certificate corresponding to the status of the application.
[0117] The solution module solves the electronic certificate solution specifically as follows: the solution module unfreezes the funds (or credits) frozen in the payment account of the electronic certificate and transfers the funds after unfreezing to the Funds-Management server. Finally, transferred from the first Funds-Management server to the second Funds-Management server, and the funds are transferred from the second Funds-Management server to the electronic certificate receiving account.
[0118] Further, when the verification of the electronic certificate is successful, the payment module updates the status of the electronic certificate to be released and may deliver a payment notification to the buyer.
[0119] Further, when the electronic certificate is released, the solution issuing module updates the state of the electronic certificate to be settled and delivers the updated information to the second Funds-Management server.
[0120] The device for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the device implementation cases.
[0121] Thus, the electronic certificate system and device of the present invention, on the one hand, by electronic certificate payment, it reducing the transaction risk; on the other hand, allow seller (such as the buyer and seller) to submit the payment application information by third parties authorized by the second parties to apply for the payment of the payment, which improves the flexibility of electronic certificate payment. Since a third party is a middleman connecting the buyer and seller, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
[0122] It will be understood by the ordinary skill in the field that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.
[0123] It is to be understood that the above is only a preferred example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.
[0124] 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.
[0125] The present invention provides an electronic certificate payment method, system and device, on the one hand, by electronic certificate payment, it reducing the transaction risk;
on the other hand, allow the first party and the second party (such as the buyer and seller) to submit the payment application information by third parties authorized by the second parties to apply for the payment of the payment, which improves the flexibility of electronic certificate payment. Since a third party is a middleman connecting the First Participant and the Second Participant, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
Therefore, it has industrial applicability.
Date Recue/Date Received 2020-07-14
on the other hand, allow the first party and the second party (such as the buyer and seller) to submit the payment application information by third parties authorized by the second parties to apply for the payment of the payment, which improves the flexibility of electronic certificate payment. Since a third party is a middleman connecting the First Participant and the Second Participant, the third party can quickly obtain the transaction information of both parties Therefore, the progress of the transaction can be fed back to the system in a timely manner so as to facilitate the progress of the transaction so that the seller can receive the payment in time after performing the contract, which not only protects the interests of both the buyer and the seller, but also improves the transaction efficiency.
Therefore, it has industrial applicability.
Date Recue/Date Received 2020-07-14
Claims (49)
1. A computer system for electronic certificate payment settlement in electronic transaction, the system comprising:
a third-party terminal configured to deliver an application for payment settlement to a first Funds-Management server according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
the first Funds-Management server configured to receive the application for payment settlement to perform a payment settlement process for an electronic certificate according to the application information for payment settlement; and wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and the frozen margin is transmitted to the Second Participant after receiving the application for payment settlement.
a third-party terminal configured to deliver an application for payment settlement to a first Funds-Management server according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
the first Funds-Management server configured to receive the application for payment settlement to perform a payment settlement process for an electronic certificate according to the application information for payment settlement; and wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and the frozen margin is transmitted to the Second Participant after receiving the application for payment settlement.
2. The system of claim 1, wherein the third-party terminal is further configured to deliver the application for payment settlement to the first Funds-Management server directly according to authorization information of the First Participant and the Second Participant.
3. The system of claim 2, wherein the first Funds-Management server is further configured to verify third-party's identity and status of the electronic certificate corresponding to the application for payment settlement.
4. The system of claim 3, wherein the first Funds-Management server is further configured to, where if the verification is passed, perform the payment settlement process for the electronic certificate.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
5. The system of claim 1, wherein the third-party terminal is further configured to deliver the application for payment settlement to the first Funds-Management server via a second Funds-Management server according to authorization information of the First Participant and the Second Participant.
6. The system of claim 5, wherein the second Funds-Management server is further configured to verify the third-party's identity corresponding to the application for payment settlement.
7. The system of claim 6, wherein the second Funds-Management server is further configured to, where if the verification is passed, deliver the application for payment settlement to the first Funds-Management server.
8. The system of claim 7, wherein the first Funds-Management server is further configured to verify the status of the electronic certificate corresponding to the application for payment settlement.
9. The system of claim 8, wherein the first Funds-Management server is further configured to, where if the verification is passed, perform the payment settlement process for the electronic certificate.
10. The system of claim 1, wherein the third-party terminal is further configured to deliver the application for payment settlement to the first Funds-Management server via a second Funds-Management server according to authorization information of the First Participant and the Second Participant.
11. The system of claim 10, wherein the second Funds-Management server is further configured to delivers the application for payment settlement to the first Funds-Management server.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
12. The system of claim 11, wherein the first Funds-Management server is further configured to verify the third-party's identity and the status of the electronic certificate corresponding to the application for payment settlement.
13. The system of claim 13, wherein the first Funds-Management server is further configured to, where if the verification is passed, perform the payment settlement process for the electronic certificate.
14. The system of any one of claims 1 to 13, wherein the First Participant is a buyer.
15. The system of any one of claims 1 to 14, wherein the Second Participant is a seller.
16. The system of any one of claims 1 to 15, wherein the first Funds-Management server corresponds to the First Participant.
17. The system of any one of claims 1 to 16, wherein a second Funds-Management server corresponds to the Second Participant.
18. The system of any one of claims 1 to 17, wherein the application for payment settlement includes receipt data.
19. The system of any one of claims 1 to 18, wherein the application for payment settlement includes protocol.
20. The system of any one of claims 1 to 19, wherein the application for payment settlement includes the authorization information of the First Participant and the Second Participant.
21. A computer implemented method for electronic certificate payment settlement in electronic transaction, the method comprising:
Date recue / Date received 2021-12-06 a third-party terminal delivers an application for payment settlement to a first Funds-Management server according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
the first Funds-Management server receives the application for payment settlement to perform a payment settlement process for an electronic certificate according to the application information for payment settlement; and wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and the frozen margin is transmitted to the Second Participant after receiving the application for payment settlement.
Date recue / Date received 2021-12-06 a third-party terminal delivers an application for payment settlement to a first Funds-Management server according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
the first Funds-Management server receives the application for payment settlement to perform a payment settlement process for an electronic certificate according to the application information for payment settlement; and wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and the frozen margin is transmitted to the Second Participant after receiving the application for payment settlement.
22. The method of claim 21 further includes:
the third-party terminal delivers the application for payment settlement to the first Funds-Management server directly according to authorization information of the First Participant and the Second Participant;
the first Funds-Management server verifies third-party's identity and status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, the first Funds-Management server performs the payment settlement process for the electronic certificate.
the third-party terminal delivers the application for payment settlement to the first Funds-Management server directly according to authorization information of the First Participant and the Second Participant;
the first Funds-Management server verifies third-party's identity and status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, the first Funds-Management server performs the payment settlement process for the electronic certificate.
23. The method of claim 21 further includes:
Date recue / Date received 2021-12-06 the third-party terminal delivers the application for payment settlement to the first Funds-Management server via a second Funds-Management server according to authorization information of the First Participant and the Second Participant;
the second Funds-Management server verifies the third-party's identity corresponding to the application for payment settlement;
where if the verification is passed, the second Funds-Management server delivers the application for payment settlement to the first Funds-Management server;
the first Funds-Management server verifies the status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, the first Funds-Management server performs the payment settlement process for the electronic certificate.
Date recue / Date received 2021-12-06 the third-party terminal delivers the application for payment settlement to the first Funds-Management server via a second Funds-Management server according to authorization information of the First Participant and the Second Participant;
the second Funds-Management server verifies the third-party's identity corresponding to the application for payment settlement;
where if the verification is passed, the second Funds-Management server delivers the application for payment settlement to the first Funds-Management server;
the first Funds-Management server verifies the status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, the first Funds-Management server performs the payment settlement process for the electronic certificate.
24. The method of claim 21 further includes:
the third-party terminal delivers the application for payment settlement to the first Funds-Management server via a second Funds-Management server according to authorization information of the First Participant and the Second Participant;
the second Funds-Management server delivers the application for payment settlement to the first Funds-Management server;
the first Funds-Management server verifies the third-party's identity and the status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, the first Funds-Management server performs the payment settlement process for the electronic certificate.
Date recue / Date received 2021-12-06
the third-party terminal delivers the application for payment settlement to the first Funds-Management server via a second Funds-Management server according to authorization information of the First Participant and the Second Participant;
the second Funds-Management server delivers the application for payment settlement to the first Funds-Management server;
the first Funds-Management server verifies the third-party's identity and the status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, the first Funds-Management server performs the payment settlement process for the electronic certificate.
Date recue / Date received 2021-12-06
25. The method of any one of claims 21 to 24, wherein the First Participant is a buyer.
26. The method of any one of claims 21 to 25, wherein the Second Participant is a seller.
27. The method of any one of claims 21 to 26, wherein the first Funds-Management server corresponds to the First Participant.
28. The method of any one of claims 21 to 27, wherein a second Funds-Management server corresponds to the Second Participant.
29. The method of any one of claims 21 to 28, wherein the application for payment settlement includes receipt data.
30. The method of any one of claims 21 to 29, wherein the application for payment settlement includes protocol.
31. The method of any one of claims 21 to 30, wherein the application for payment settlement includes the authorization information of the First Participant and the Second Participant.
32. A computer implemented method for electronic certificate payment settlement in electronic transaction, applied in a first Funds-Management server, the method comprising:
receiving an application for payment settlement delivered by a third-party terminal according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
performing a payment settlement process for an electronic certificate according to the application information for payment settlement; and Date recue / Date received 2021-12-06 wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and the frozen margin is transmitted to the Second Participant after receiving the application for payment settlement.
receiving an application for payment settlement delivered by a third-party terminal according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
performing a payment settlement process for an electronic certificate according to the application information for payment settlement; and Date recue / Date received 2021-12-06 wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and the frozen margin is transmitted to the Second Participant after receiving the application for payment settlement.
33. The method of claim 32 further includes:
verifying third-party's identity and status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, performing the payment settlement process for the electronic certificate.
verifying third-party's identity and status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, performing the payment settlement process for the electronic certificate.
34. The method of any one of claims 32 to 33, wherein the First Participant is a buyer.
35. The method of any one of claims 32 to 34, wherein the Second Participant is a seller.
36. The method of any one of claims 32 to 35, wherein the first Funds-Management server corresponds to the First Participant.
37. The method of any one of claims 32 to 36, wherein a second Funds-Management server corresponds to the Second Participant.
38. The method of any one of claims 32 to 37, wherein the application for payment settlement includes receipt data.
39. The method of any one of claims 32 to 38, wherein the application for payment settlement includes protocol.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
40. The method of any one of claims 32 to 39, wherein the application for payment settlement includes the authorization information of the First Participant and the Second Participant.
41. A computer device for electronic certificate payment settlement in electronic transaction, the method comprising:
a receiving module configured to receive an application for payment settlement delivered by a third-party terminal according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
a payment settlement module configured to perform a payment settlement process for an electronic certificate according to the application information for payment settlement;
and wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and transmitted the frozen margin to the Second Participant after receiving the application for payment settlement.
a receiving module configured to receive an application for payment settlement delivered by a third-party terminal according to authorization information of a First Participant and a Second Participant for reducing transaction risk and improving flexibility for payment settlement;
a payment settlement module configured to perform a payment settlement process for an electronic certificate according to the application information for payment settlement;
and wherein the electronic certificate is an electronic commitment certificate opened by the first Funds-Management server according to an application for freezing balance amount or a credit loan limit as a margin in the First Participant's financial account, and transmitted the frozen margin to the Second Participant after receiving the application for payment settlement.
42. The device of claim 41, wherein the payment settlement module is further configured to:
verify third-party's identity and status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, perform the payment settlement process for the electronic certificate.
verify third-party's identity and status of the electronic certificate corresponding to the application for payment settlement; and where if the verification is passed, perform the payment settlement process for the electronic certificate.
43. The device of any one of claims 41 to 42, wherein the First Participant is a buyer.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
44. The device of any one of claims 41 to 43, wherein the Second Participant is a seller.
45. The device of any one of claims 41 to 44, wherein the first Funds-Management server corresponds to the First Participant.
46. The device of any one of claims 41 to 45, wherein a second Funds-Management server corresponds to the Second Participant.
47. The device of any one of claims 41 to 46, wherein the application for payment settlement includes receipt data.
48. The device of any one of claims 41 to 47, wherein the application for payment settlement includes protocol.
49. The device of any one of claims 41 to 48, wherein the application for payment settlement includes the authorization information of the First Participant and the Second Participant.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084620 WO2017012038A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method, system and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2993049A1 CA2993049A1 (en) | 2017-01-26 |
| CA2993049C true CA2993049C (en) | 2022-04-05 |
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| Application Number | Title | Priority Date | Filing Date |
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| CA2993049A Active CA2993049C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment method, system and device |
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| CA (1) | CA2993049C (en) |
| WO (1) | WO2017012038A1 (en) |
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| CN110941849B (en) * | 2019-10-10 | 2022-09-06 | 数字广东网络建设有限公司 | Offline electronic certificate showing method, device and system and computer equipment |
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|---|---|---|---|---|
| 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 |
| US20150262179A1 (en) * | 2013-03-18 | 2015-09-17 | Shenzhen Cifpay Network Bank Technology Co., Ltd | Paying method and system by using network |
| CN103489104A (en) * | 2013-09-18 | 2014-01-01 | 俞强华 | Security payment method and system |
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- 2015-07-21 WO PCT/CN2015/084620 patent/WO2017012038A1/en active Application Filing
- 2015-07-21 CA CA2993049A patent/CA2993049C/en active Active
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| CA2993049A1 (en) | 2017-01-26 |
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