CA2993050C - Electronic certificate receiving method, device and system - Google Patents

Abstract

An electronic certificate receiving method, device and system, belonging to the technical field of Internet finance. The method comprises: a second client sends at least two receiving requests to a second funds management server (S101); the second funds management server sequentially receives one receiving request (S102); the second funds management server verifies seller information corresponding to a current receiving request (S103); if verification is passed, the second funds management server receives an electronic certificate corresponding to the current receiving request (S104); the second funds management server repeatedly executes the above steps until the last receiving request has been processed (S105). In the present method, the second client sends the receiving requests and the second funds management server verifies the seller information, thereby implementing selective receiving by a seller, reducing a network payment error rate, and reducing the transaction risk for both a buyer and the seller.

Description

Electronic Certificate Receiving Method, Device And System Technical Field [0001] The present invention relates to the field of Internet finance technology, and in particular, to a method, device and system for collecting certificate of an electronic certificate.
Background Technology

[0002] Payment refers to payment of money produced on the basis of economic contracts in the business activities. Many banks or enterprises provide online payment tools that allow users to operate terminal devices such as computers and mobile phones to realize online payment. The way of network payment provides great convenience to users.
However, the traditional online payment method, such as online banking, third-party payment, issued by the payment to the bank or payment agency transfer payment instructions, payment from the payer's account to the payer's account specified by the payer, they do not have the collection process of the receiving party, the payee bank or payment agency is credited to the payee account only after receiving the payment from the payment agency.

[0003] In the above payment methods, the payer must obtain complete and accurate account information of the payee for payment, and once the payer has made a mistake in the payment object or amount, the funds will be irreversibly paid to the wrong account, the cost of retrieving or recovering funds is prohibitively expensive, at the same time, it also causes trouble for the payee who needs refunds. For payees, there is no independent payment process, only passive payment, it cannot refuse money accounted for, nor can have selective collection, it is unable to meet the seller's demand for selective collection of transaction order information and transaction objects.
Technical problem

[0004] In view of this, the technical problem to be solved by the present invention is to provide a method and device for receiving certificate of electronic certificate, so as to solve the technical problem that sellers cannot selectively receive payment.
Problem solving solution Technical solutions

[0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:

[0006] According to one aspect of the present invention, it is provided an electronic certificate collection method including the following steps:

[0007] S101: the second client delivers at least two certificate collection requests to the second Funds-Management server

[0008] S102, the second Funds-Management server sequentially receives a certificate request;

[0009] S103, verify the corresponding seller information for the current certificate request, if the verification is passed, performing step S104, otherwise, executing step S105;

[0010] S104, receiving the current certificate request corresponding to the electronic certificate;

[0011] S105: Determine whether the current certificate request is the last certificate request, and if yes, end the process; otherwise, return to step S102.

[0012] According to another aspect of the present invention, a method for certificate collection of an electronic certificate is provided, which is applied to a second Funds-Management server. The method includes the following steps:

[0013] S401: the second Funds-Management server sequentially receives one certification request from at least two certification requests delivered by the second client.

[0014] S402, verify the corresponding seller information for the current certificate request, if the verification is passed, performing step S403, otherwise, executing step S404;

[0015] S403, receiving the current certificate request corresponding to the electronic certificate;

[0016] S404, determine whether the current certificate request is the last certificate request, if yes, ending the flow; otherwise, returning to step S402.

[0017] According to another aspect of the present invention, a device for certificate collection of an electronic certificate is provided to a second Funds-Management server. The device includes the following modules:

[0018] A receiving module is used to sequentially receive one of the at least two certificate issuing requests delivered by the second client;

[0019] The verification module is used to request seller information corresponding to the current certification request verification and determine whether the verification is passed;

[0020] The processing module is used to receive the electronic certificate corresponding to the current certificate request when the current certificate request passes the verification;

[0021] The judging module is used to judge whether the received certification request is the last certification request, and if yes, end the procedure; if not, notify the receiving module to receive the next certification request.

[0022] According to another aspect of the present invention, an electronic certificate collection system provided includes a second client and a second Funds-Management server, wherein:

[0023] A second client is used to deliver at least two issuing requests to a second Funds-Management server;

[0024] The second Funds-Management server is used to sequentially receive a certificate collection request. The seller information corresponding to the current certificate verification request is verified, and the electronic certificate corresponding to the current certificate verification request is received. It is also set to determine whether the current receipt request is the last receiving request, and if so, the process is completed or the next collection request is received.
The beneficial effect of the invention Beneficial effect

[0025] The present invention provides a method, device and system of electronic certificate collection. The second fund server verifies the seller's information through the second client delivering the deposit request, to achieve the seller's selective collection, it can reduce the error rate of network payment and reduce the transaction risk of buyers and sellers.
A brief description of the drawings Brief Description

[0026] Figure 1 is a flowchart of a method for certificate collection of an electronic certificate according to Example One of the present invention.

[0027] Figure 2 is a flowchart of a method for certificate collection of an electronic certificate according to Example Two of the present invention.

[0028] Figure 3 is a flow chart of a method for receiving certificate of an electronic certificate provided in Example Three of the present invention.

[0029] Figure 4 is a flow chart of a method for certificate collection of an electronic certificate according to Example Four of the present invention.

[0030] Figure 5 is a flowchart of a method for receiving a certificate of electronic certificate according to a fifth example of the present invention.

[0031] Figure 6 is a flowchart of a method for receiving a certificate of electronic certificate provided by Example Six of the present invention.

[0032] Figure 7 is a block diagram of an electronic certificate collection device according to Example Seven of the present invention.

[0033] Figure 8 is a block diagram of another electronic certificate collection device provided by Example Eight of the present invention.

[0034] Figure 9 is a block diagram of another electronic certificate collection device according to Example Eight of the present invention.

[0035] Figure 10 is a system structure diagram of an electronic certificate collection system provided by Example Eight of the present invention.

= WO 2017/012052 Examples of the Invention Implementation pattern of the present invention

[0036] To make the technical problems, technical solutions and advantages more apparent and clear, the present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.

[0037] In this example of the present invention, the electronic certificate is applied for by the buyer to the funds management institution for the account funds or the credit limit as the deposit, and the electronic funds certificate committed to be paid and settled according to the settlement conditions. The electronic certificate is an Internet based financial instrument that is paid by funds management institution credit commitment. It mainly deals with the buyer's commodity. The seller downloads the cashier interface, the buyer completes the issuance of the electronic certificate, the seller completes the collection and performance, at last submitted to pay the solution, and the electronic certificate expires automatically. The electronic certificate can be purchased not only for buying commodity, but also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other fmancial institutions (such as securities institutions). Correspondingly, Funds-Management server includes a bank server or other financial institution server; funds management account includes a bank loan account or an account of another financial institution.

[0038] The process of online payment transactions through electronic certificate is roughly as follows: after the buyer and the seller form the order, the buyer applies for issuing the certificate to the first Funds-Management server (the issuing server) through the buyer (the issuing terminal). Of course, the buyer can also take the initiative to apply for a license without a transaction order. After the first Funds-Management server accepts the application, it opens an electronic certificate according to the issuing application and freezes the funds or credit line of the buyer's account for the corresponding amount. After the seller confirms the order, he / she applies to the second Funds-Management server (the server of the funds management institution) via the second client (receiving end), and the second Funds-Management server verifies the information and receives the certificate.
Electronic certificate into compliance period, waiting for the seller to deliver commodity or provide services. After the seller fulfils the contract during the performance period, the second Funds-Management server submits the fulfilment information (such as logistics number), the second Funds-Management server changes the status of the electronic certificate, and the electronic certificate enters the period of receipt and waits for the buyer to sign for the commodity. When the buyer signs the commodity within the period of receipt, that is to say, the seller completes the corresponding transaction conditions according to the settlement conditions of the electronic certificate, and the electronic certificate enters the settlement period. The seller applies for the second Funds-Management server to apply for the settlement to the first Funds-Management server within the time limit for applying for settlement, and after the first Funds-Management server determines that the conditions for the settlement have been reached, the funds or credit of the frozen amount of the buyer's account is released The funds will be transferred to the second Funds-Management server, and the funds will be transferred by the second Funds-Management server into the seller's designated receiving account (i.e., the collecting account). At this point, the completion of online payment, the entire transaction is completed.

[0039] wherein, after the opening of the electronic certificate, the validity period is divided into three sections, the time limit is stated in the electronic certificate, respectively, the seller receipt, performance, apply for payment of the deadline, if the corresponding action is not performed, the electronic certificate shall be invalid.

[0040] It should be understood that the above is only a way to use electronic certificate, it also can be used to purchase electronic services. In the purchase of services, such as living in the hotel transaction scenario, the hotel reservation is successful, that is, the hotel undertook a performance. Of course, electronic certificate can also be used to allocate funds. In different situations, the understanding of performance and receipt also changed. In other words, when a merchant provides a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period, directly entering the solution, such as face-to-face transactions.

[0041] Example 1

[0042] As shown in Figure 1, an electronic certificate collection method provided in an example of the present invention includes the following steps:

[0043] S101: the second client delivers at least two certificate collection requests to the second Funds-Management server

[0044] Specifically, after the seller confirms the order, the second client initiates at least two certificate collection requests to the second Funds-Management server in batches. The certificate request includes at least the electronic certificate information and the seller information, the electronic certificate information at least includes the electronic certificate number, and may also include any combination of one or more of the following parameters: payment aging, transaction object information, settlement rate, on Card information, issuing amount, performance period, receipt period, electronic certificate model and settlement mode and so on. Seller information includes seller identification information and / or seller account information. For example, in the case of a card receipt (i.e., the seller has a receipt on the second Funds-Management server), the receipt request may have only the electronic certificate information and the seller's identity information. In the example of the cardless receipt (i.e., the seller does not have the card acceptance certificate in the second Funds-Management server), the certificate collection request includes the electronic certificate information and further includes the payment account information or the identity information so that the second Funds-Management server after the management server verifies successfully, register the electronic certificate under the account or identity of the seller. S102: the second Funds-Management server sequentially receives a certificate request.

[0045] S103, verify the corresponding seller information for the current certificate request, if the verification is passed, performing step S104, otherwise, executing step S105.

[0046] Specifically, this step includes requesting verification of seller's identity information and /
or seller's account information for all received receipts. Wherein, the seller's identity information through the verification of mobile phone dynamic code to achieve or through electronic signature verification. Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security. If the verification is successful, the corresponding bank credit certificate is received. If the verification fails, the corresponding electronic certificate is not received, and of course, the second client may also be fed back the information that the verification fails.

[0047] S104: Receive an electronic certificate corresponding to the current certificate request.

[0048] Specifically, this step includes: registering the corresponding electronic certificate through the current certificate request verified by the seller information, and updating the status of the electronic certificate corresponding to the current certificate request as the received card.

[0049] S105. Determine whether the current certificate request is the last certificate acceptance request, and if yes, end the process; otherwise, return to step S102.

[0050] In the example of the present invention, the second fund server delivers a certificate collection request and the second fund server verifies the seller's information to realize the selective payment by the seller, and it can reduce the error rate of the network payment and reduce the transaction risk of buyers and sellers.

[0051] Example 2

[0052] As shown in Figure 2, an electronic certificate collection method provided in an example of the present invention includes the following steps:

[0053] S201: the second client delivers at least two certificate collection requests to the second Funds-Management server

[0054] S202, the second Funds-Management server sequentially receives a certificate request.

[0055] S203, requesting verification of the corresponding seller identity information and / or account information for the current certificate, if yes, proceeding to step S204, otherwise executing step S208.

[0056] S204, the current certificate request corresponds to the electronic certificate to be registered, and update the status of the electronic certificate corresponding to the current certificate request as received card.

[0057] S205: Generate a notification that the electronic certificate corresponding to the current certificate request has been received, and deliver the notification to the corresponding first Funds-Management server.

[0058] S206, determine whether the current certificate request is the last certificate request, if yes, executing step S207; otherwise, returning to step S202.

[0059] S207, end the process.

[0060] In this example of the present invention, based on the foregoing Example 1, the second Funds-Management server generates a received certificate notification after each electronic certificate is received and delivers the certificate to the corresponding first Funds-Management server, so that electronic certificate smoothly into the follow-up.

[0061] Example 3

[0062] As shown in Figure 3, an electronic certificate collection method provided in an example of the present invention includes the following steps:

[0063] S301: the second client delivers at least two certificate collection requests to the second Funds-Management server

[0064] S302, the second Funds-Management server sequentially receives a certificate request.

[0065] S303. Request verification of the corresponding seller identity information and / or account information for the current certificate, if yes, proceeding to step S304, otherwise executing step S305.

[0066] S304, the current certificate request corresponds to the electronic certificate to be registered, and update the status of the electronic certificate corresponding to the current certificate request as received card.

= WO 2017/012052

[0067] S305, determine whether the current certificate request is the last certificate request, if yes, executing step S306; otherwise, returning to step S302.

[0068] S306: Generate a received certificate notification for all validated certificate requests.

[0069] S307: Deliver all generated received certificate notifications in batches to the corresponding first Funds-Management server.

[0070] In the example of the present invention, on the basis of the first example described above, after all electronic certificates are received in turn, the collected receipts are collectively generated and batch delivered to the corresponding first Funds-Management server so that the electronic certificate smoothly into the follow-up at the same time, it further improve the collection efficiency.

[0071] Example 4

[0072] As shown in Figure 4, a method for certificate collection of an electronic certificate provided by an example of the present invention is applied to a second Funds-Management server, and the method includes the following steps:

[0073] S401: the second Funds-Management server sequentially receives one certification request from at least two certification requests delivered by the second client.

[0074] S402, verify the corresponding seller information for the current certificate request, if the verification is passed, performing step S403, otherwise, executing step S404;

[0075] S403, receiving the current certificate request corresponding to the electronic certificate;

[0076] S404, determine whether the current certificate request is the last certificate request, if yes, ending the flow; otherwise, returning to step S402.

[0077] In the example of the present invention, the second money server verifies the seller's information and the credit card by sequentially receiving the certificate collection request, thereby realizing the selective receipt of the seller and reducing the error rate of the network payment.

[0078]

[0079] Example 5

[0080] As shown in Figure 5, a method for certificate collection of an electronic certificate provided by an example of the present invention is applied to a second Funds-Management server, and the method includes the following steps:

[0081] S501: the second Funds-Management server sequentially receives one certification request from at least two certification requests delivered by the second client.

[0082] S502. Request verification of the corresponding seller identity information and / or account information for the current certificate, if yes, proceeding to step S504, otherwise executing step S506.

[0083] S503, the current certificate request corresponds to the electronic certificate to be registered, and update the status of the electronic certificate corresponding to the current certificate request as received card.

[0084] S504: Generate a received card notification for the electronic certificate corresponding to the current certificate request.

[0085] S505: Deliver the generated received card notification to the corresponding first Funds-Management server.

[0086] S506: Determine whether the current certificate request is the last certificate request, and if yes, execute step S507; otherwise, return to step S502.

[0087] S507, end the process.

[0088] In this example of the present invention, based on the foregoing Example 1, the second Funds-Management server generates a received certificate notification after each electronic certificate is received and delivers the certificate to the corresponding first Funds-Management server, so that electronic certificate smoothly into the follow-up.

[0089] Example 6

[0090] As shown in Figure 6, a method for certificate collection of an electronic certificate provided by an example of the present invention is applied to a second Funds-Management server, and the method includes the following steps:

[0091] S601, receives at least one of the two receiving requests from the second client.

[0092] S602, Request verification of the corresponding seller identity information and / or account information for the current certificate, if yes, proceeding to step S603, otherwise executing step S604.

[0093] S603, the current certificate request corresponds to the electronic certificate to be registered, and update the status of the electronic certificate corresponding to the current certificate request as received card.

[0094] S604. Determine whether the current certification request is the last certification request, and if yes, execute step S605; otherwise, return to step S601.

[0095] S605: Generate a received certificate notification for all validated certificate requests.

[0096] S606: Deliver all generated received certificate notifications in batches to the corresponding first Funds-Management server.

[0097] In the example of the present invention, on the basis of the first example described above, after all electronic certificates are received in turn, the collected receipts are collectively generated and batch delivered to the corresponding first Funds-Management server so that the electronic certificate smoothly into the follow-up at the same time, it further improve the collection efficiency.

= WO 2017/012052

[0098] Example 7

[0099] As shown in Figure 7, a device for certificate collection of an electronic certificate provided by an example of the present invention is applied to a second Funds-Management server. The device includes the following modules:

[0100] The receiving module 201 is used to sequentially receive one of the at least two certificate issuing requests delivered by the second client.

[0101] The verification module 202 is used to request seller information corresponding to the current certification request verification.

[0102] Specifically, the verification module 202 is used to request verification of seller's identity information and / or seller's account information for all the received receipts. Wherein, the seller's identity verification information can be achieved by mobile phone dynamic code or by electronic signature verification. Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security. If the verification is successful, the corresponding bank credit certificate is received. If the verification fails, the corresponding electronic certificate is not received, and of course, the second client may also be fed back the information that the verification fails.

[0103] The processing module 203 is used to receive the electronic certificate corresponding to the current certificate request when the current certificate request passes the verification.

[0104] Specifically, the processing module 203 is specifically used to:
register the electronic certificate corresponding to all the certificate requests verified by the seller information, and update the status of the electronic certificate corresponding to the current certificate request as received.

[0105] The judging module 204 is used to judge whether the received certificate request is the last certificate request, and if yes, end the process; if not, notify the receiver module 201 to receive the next certificate request.

[0106] Please refer to Figure 8, as a preferred solution, the electronic certificate is successfully entered in a subsequent stage, and the device further includes:

[0107] The first generating module 205 is used to generate a received card notification for the current certificate request;

[0108] The first delivery module 206 is used to deliver the generated received card notification to the corresponding first Funds-Management server.

[0109] Please refer g to Figure 9, as another preferred solution, in order to make the electronic certificate smoothly enter the subsequent steps and further improve the collection efficiency, the device also includes:

[0110] The second generating module 207 generates a received certificate notification for all validated certificate requests;

[0111] The second delivery module 208 delivers all generated received certificate notifications in batches to the corresponding first Funds-Management server.

[0112] It should be noted that the device in this example belongs to the same technical idea as the foregoing method examples 4 to 6, and the technical features in the foregoing method examples are applicable in both the present system and the device, and will not be repeated here.

[0113] Example 8

[0114] As shown in Figure 10, an electronic certificate collection system provided in an example of the present invention includes a second client and a second Funds-Management server, wherein:

[0115] The second Client 10 is used to deliver at least two issuing requests to a second Funds-Management server.

[0116] Specifically, after the seller confirms the order, the second client initiates at least two certificate collection requests to the second Funds-Management server in batches. The certificate request includes at least the electronic certificate information and the seller information, the electronic certificate information at least includes the electronic certificate number, and may also include any combination of one or more of the following parameters: payment aging, transaction object information, settlement rate, on Card information, issuing amount, performance period, receipt period, electronic certificate model and settlement mode and so on. Seller information includes seller identification information and / or seller account information.

[0117] The second Funds-Management server20 is used to sequentially receive a certificate collection request. The seller information corresponding to the current certificate verification request is verified, and the electronic certificate corresponding to the current certificate verification request is received. It is also set to determine whether the current receipt request is the last receiving request, and if so, the process is completed or the next collection request is received.

[0118] In some preferred examples, in order to make the electronic certificate go to the next step, the second Funds-Management server20 is also used to: when the current certificate request passes the verification, generate a received certificate notification for the current certificate request, and delivers the generated received card notification to the corresponding first Funds-Management server.

[0119] In order to further improve the collection efficiency while making the electronic certificate go smoothly, the second Funds-Management server20 can also be used to generate the received notification for all the approved collection requests. Deliver all generated notifications to the corresponding first Funds-Management server.

[0120] It can be understood that, the second Funds-Management server 20 includes the device in the foregoing Example 7, and the technical features described in Example 1, 2 and 3 of the foregoing methods are all applicable in the present system and will not be repeated here.

[0121] The present invention provides a method, device and system of electronic certificate collection. The second fund server verifies the seller's information through the second client delivering the deposit request, to achieve the seller's selective collection, it can reduce the error rate of network payment and reduce the transaction risk of buyers and sellers.

[0122] 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.

[0123] The general technicians of this field can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.

[0124] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention.
without departing from the scope and spirit of the invention, there are various modifications to realize the example, such as the character of one example may be implemented in another example, and then another example occurs Any modifications, equivalents, and modifications that come within the technical concept of the invention are intended to be within the right scope of the invention.
Industrial utility

[0125] The present invention provides a method, device and system of electronic certificate collection. The second fund server verifies the seller's information through the second client delivering the deposit request, to achieve the seller's selective collection, it can reduce the error rate of network payment and reduce the transaction risk of buyers and sellers.

Date Recue/Date Received 2020-06-10

Claims (78)

Claims:

1. A computer system for batch requests during an electronic transaction, the system comprising:
a seller terminal configured to deliver at least two certificate collection requests for an order to a second funds management server;
the second funds management server configured to:
when receiving each certificate collection request in turn, verify seller information corresponding to the current certificate collection request for realizing a selective collection of a seller and reduce an error rate of a network payment to reduce transaction risk;
wherein if the seller information corresponding to the current certificate collection request passes verification, receive an electronic certificate corresponding to the current certificate collection request, wherein the second funds management server registers the electronic certificate under a seller account or a seller identity and updates a status of the electronic certificate;
whereby a first funds management server transfers funds from a buyer account to the second funds management server based on the updated status of the electronic certificate;
wherein if the verification is failed, the second funds management server determines whether the current certificate collection request is the last certificate collection request; and wherein if the current certificate collection request is not the last certificate collection request, verify seller information corresponding to the next certificate collection request.

Date Recue/Date Received 2022-07-04

2. The system of claim 1, wherein the second funds management server is further configured to generate a receipt for the electronic certificate to deliver the receipt to the first funds management server, where if the seller information corresponding to the current certificate collection request passes verification.

3. The system of claim 1, wherein the second funds management server is further configured to generate receipts for the electronic certificate through a batch process to deliver all receipts to the first funds management server, where if verification for receipts are passed.

4. The system of claim 1, wherein the certificate collection request further includes electronic certificate infonnation.

5. The system of claim 4, wherein the electronic certificate information further includes an electronic certificate number.

6. The system of any one of claims 1 to 5, wherein the certificate collection request further includes the seller information.

7. The system of claim 6, wherein the seller information includes identification information of the seller.

8. The system of claim 6, wherein the seller information includes account information of the seller.

9. The system of any one of claims 1 to 8, wherein the certificate collection request further includes a plurality of parameters.

10. The system of claim 9, wherein the parameter includes a validity period of the electronic certificate.

Date Recue/Date Received 2022-07-04

11. The system of any one of claims 9 to 10, wherein the parameter includes transaction object information.

12. The system of any one of claims 9 to 11, wherein the parameter includes a settlement rate.

13. The system of any one of claims 9 to 12, wherein the parameter includes financial institution information for issuing electronic certificate.

14. The system of any one of claims 9 to 13, wherein the parameter includes an amount of funds for issuing electronic certificate.

15. The system of any one of claims 9 to 14, wherein the parameter includes a performance period.

16. The system of any one of claims 9 to 15, wherein the parameter includes a receipt period.

17. The system of any one of claims 9 to 16, wherein the parameter includes an electronic certificate model.

18. The system of any one of claims 9 to 17, wherein the parameter includes a settlement mode.

19. A computer implemented method for batch requests during an electronic transaction, the method comprising:
delivering with a seller terminal at least two certificate collection requests for an order to a second funds management server;
verifying with the second funds management server seller information corresponding to a current certificate collection request when receiving each certificate collection request;
Date Recue/Date Received 2022-07-04 wherein if the seller information corresponding to the current certificate collection request passes verification, receiving with the second funds management server an electronic certificate corresponding to the current certificate collection request;
wherein if the seller information corresponding to the current certificate collection request passes verification, registering with the second funds management server the electronic certificate under a seller account or a seller identity;
wherein if the seller information corresponding to the current certificate collection request passes verification, updating with the second funds management server a status of the electronic certificate, whereby a first funds management server transfers funds from a buyer account to the second funds management server based on the updated status of the electronic certificate;
wherein if the verification is failed, determining with the second funds management server whether the current certificate collection request is the last certificate collection request; and wherein if the current certificate collection request is not the last certificate collection request, verifying with the second funds management server seller information corresponding to the next certificate collection request.

20. The method of claim 19 further includes that the second funds management server generates a receipt for the electronic certificate to deliver the receipt to the first funds management server, where if the seller information corresponding to the current certificate collection request passes verification.

21. The method of claim 19 further includes that the second funds management server generate receipts for the electronic certificate through a batch process to deliver all receipts to the first funds management server, where if verification for receipts are passed.

Date Recue/Date Received 2022-07-4

22. The method of claim 19, wherein the certificate collection request further includes electronic certificate information.

23. The method of claim 22, wherein the electronic certificate information further includes an electronic certificate number.

24. The method of any one of claims 19 to 23, wherein the certificate collection request further includes the seller information.

25. The method of claim 24, wherein the seller information includes identification information of the seller.

26. The method of claim 24, wherein the seller information includes account information of the seller.

27. The method of any one of claims 19 to 26, wherein the certificate collection request further includes a plurality of parameters.

28. The method of claim 27, wherein the parameter includes a validity period of the electronic certificate.

29. The method of any one of claims 27 to 28, wherein the parameter includes transaction object information.

30. The method of any one of claims 27 to 29, wherein the parameter includes a settlement rate.

31. The method of any one of claims 27 to 30, wherein the parameter includes financial institution information for issuing electronic certificate.

32. The method of any one of claims 27 to 31, wherein the parameter includes an amount of funds for issuing electronic certificate.

Date Recue/Date Received 2022-07-4

33. The method of any one of claims 27 to 32, wherein the parameter includes a performance period.

34. The method of any one of claims 27 to 33, wherein the parameter includes a receipt period.

35. The method of any one of claims 27 to 34, wherein the parameter includes an electronic certificate model.

36. The method of any one of claims 27 to 35, wherein the parameter includes a settlement mode.

37. A computer implemented method for batch requests during an electronic transaction, the method comprising:
receiving with a second funds management server each certificate collection request in turn among at least two certificate collection requests for an order delivered by a seller terminal;
when receiving each certificate collection request in turn, verifying with the second funds management server seller information corresponding to the current certificate collection request for realizing a selective collection of a seller and reduce an error rate of a network payment to reduce transaction risk;
wherein if the seller information corresponding to the current certificate collection request passes verification, receiving with the second funds management server an electronic certificate;
wherein if the seller information corresponding to the current certificate collection request passes verification, registering with the second funds management server the electronic certificate under a seller account or a seller identity;

Date Recue/Date Received 2022-07-4 wherein if the seller information corresponding to the current certificate collection request passes verification, updating with the second funds management server a status of the electronic certificate, whereby a first funds management server transfers funds from a buyer account to the second funds management server based on the updated status of the electronic certificate;
wherein if the verification is failed, determining with the second funds management server whether the current certificate collection request is the last certificate collection request; and wherein if the current certificate collection request is not the last certificate collection request, verifying with the second funds management server seller information corresponding to the next certificate collection request.

38. The method of claim 37 further includes generating a receipt for the electronic certificate to deliver the receipt to the first funds management server, where if the seller information corresponding to the current certificate collection request passes verification.

39. The method of claim 37 further includes generating receipts for the electronic certificate through a batch process to deliver all receipts to the first funds management server, where if verification for receipts are passed.

40. The method of claim 37, wherein the certificate collection request further includes electronic certificate information.

41. The method of claim 40, wherein the electronic certificate information further includes an electronic certificate number.

42. The method of any one of claims 37 to 41, wherein the certificate collection request further includes the seller information.

Date Recue/Date Received 2022-07-4

43. The method of claim 42, wherein the seller information includes identification information of the seller.

44. The method of claim 42, wherein the seller information includes account information of the seller.

45. The method of any one of claims 37 to 44, wherein the certificate collection request further includes a plurality of parameters.

46. The method of claim 45, wherein the parameter includes a validity period of the electronic certificate.

47. The method of any one of claims 45 to 46, wherein the parameter includes transaction object information.

48. The method of any one of claims 45 to 47, wherein the parameter includes a settlement rate.

49. The method of any one of claims 45 to 48, wherein the parameter includes financial institution information for issuing electronic certificate.

50. The method of any one of claims 45 to 49, wherein the parameter includes an amount of funds for issuing electronic certificate.

51. The method of any one of claims 45 to 50, wherein the parameter includes a performance period.

52. The method of any one of claims 45 to 51, wherein the parameter includes a receipt period.

53. The method of any one of claims 45 to 52, wherein the parameter includes an electronic certificate model.
Date Recue/Date Received 2022-07-4

54. The method of any one of claims 45 to 53, wherein the parameter includes a settlement mode.

55. A computer device for batch requests during an electronic transaction, the device comprising:
a computer receiving module configured to receive each certificate collection request in turn among at least two certificate collection requests for an order delivered by a seller terminal when receiving each certificate collection request in turn, a verification module configured to verify seller information corresponding to the current certificate collection request for realizing a selective collection of a seller and reduce an error rate of a network payment to reduce transaction risk;
a computer processing module configured to, if the seller information corresponding to the current certificate collection request passes verification, receive an electronic certificate corresponding to the current certificate collection request, wherein the processing module registers the electronic certificate under a seller account or a seller identity and updates a status of the electronic certificate, whereby a first funds management server transfers funds from a buyer account to a second funds management server based on the updated status of the electronic certificate;
a computer judging module configured to:
determine whether the current certificate collection request is the last certificate collection request, where if the verification is failed; and notify the receiving module to receive the next certificate request, where if the current certificate collection request is not the last certificate collection request.

Date Recue/Date Received 2022-07-4

56. The device of claim 55 further includes a first generating module.

57. The device of claim 56, wherein the first generating module is further configured to generate a receipt for the electronic certificate, where if the seller information corresponding to the current certificate collection request passes verification.

58. The device of claim 55 further includes a first delivery module.

59. The device of claim 58, wherein the first delivery module is further configured to deliver a receipt to the first funds management server, where if the seller information corresponding to the current certificate collection request passes verification.

60. The device of claim 55 further includes a second generating module.

61. The device of claim 60, wherein the second generating module is further configured to generate generating receipts for the electronic certificate through a batch process, where if verification for receipts are passed.

62. The device of claim 55 further includes a second delivery module.

63. The device of claim 62, wherein the second delivery module is further configured to deliver all receipts to the first funds management server, where if verification for receipts are passed.

64. The device of claim 55, wherein the certificate collection request further includes electronic certificate information.

65. The device of claim 64, wherein the electronic certificate information further includes an electronic certificate number.

Date Recue/Date Received 2022-07-4

66. The device of any one of claims 55 to 65, wherein the certificate collection request further includes the seller information.

67. The device of claim 66, wherein the seller information includes identification information of the seller.

68. The device of claim 66, wherein the seller information includes account information of the seller.

69. The device of any one of claims 55 to 68, wherein the certificate collection request further includes a plurality of parameters.

70. The device of claim 69, wherein the parameter includes a validity period of the electronic certificate.

71. The device of any one of claims 69 to 70, wherein the parameter includes transaction object information.

72. The device of any one of claims 69 to 71, wherein the parameter includes a settlement rate.

73. The device of any one of claims 69 to 72, wherein the parameter includes financial institution information for issuing electronic certificate.

74. The device of any one of claims 69 to 73, wherein the parameter includes an amount of funds for issuing electronic certificate.

75. The device of any one of claims 69 to 74, wherein the parameter includes a performance period.

76. The device of any one of claims 69 to 75, wherein the parameter includes a receipt period.

Date Recue/Date Received 2022-07-4

77. The device of any one of claims 69 to 76, wherein the parameter includes an electronic certificate model.

78. The device of any one of claims 69 to 77, wherein the parameter includes a settlement mode.

Date Recue/Date Received 2022-07-4