CA2993105C - Electronic certificate receiving method and device - Google Patents
Electronic certificate receiving method and device Download PDFInfo
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- CA2993105C CA2993105C CA2993105A CA2993105A CA2993105C CA 2993105 C CA2993105 C CA 2993105C CA 2993105 A CA2993105 A CA 2993105A CA 2993105 A CA2993105 A CA 2993105A CA 2993105 C CA2993105 C CA 2993105C
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- electronic certificate
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
Abstract
Disclosed are an electronic certificate receiving method and device, belonging to the technical field of Internet finance. The method comprises: a second terminal receives and stores a preset receiving condition of a seller; the second terminal receives a receiving notification sent by a notification end, the receiving notification comprising electronic certificate information; the second terminal compares whether the receiving condition is met according to the electronic certificate information and the receiving condition, and if the receiving condition is met, sends a receiving application to a second funds management server. In the present invention, the second terminal screens electronic certificates meeting the condition and performs collection, and eliminates electronic certificates not meeting a transaction condition, satisfying requirements of the seller for screening and filtering transaction orders and transaction objects, and thereby implementing selective receiving by the seller.
Description
Electronic Certificate Receiving Method And Device Technical Field [0001] The present invention relates to the field of intemet finance technology, and in particular, to a method and device for receiving certificate of electronic certificate.
Background Technology
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.
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 the payee, only the 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
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
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 applied to a second terminal, including the following steps:
[0007] Receiving and storing the preset conditions of acceptance by the seller;
[0008] Receiving a notification to be received and delivered by a notification terminal, wherein the notification to be accepted includes information of an electronic certificate;
[0009] According to whether the electronic certificate information and the receiving condition match the receiving condition, if the receiving condition is met, the second Funds-Management server delivers the receiving application.
[0010] According to one aspect of the present invention, it is provided an electronic certificate collection device applied to a second terminal, the device including the following modules:
[0011] A setting module is used to receive and store the preset conditions of acceptance by the seller;
[0012] The receiving module is used to receive a notification to be received and delivered by a notification terminal, wherein the notification to be accepted includes information of an electronic certificate;
[0013] The processing module is used to according to whether the electronic certificate information and the receiving condition match the receiving condition, if the receiving condition is met, the second Funds-Management server delivers the receiving application.
The beneficial effect of the invention Beneficial effect
The beneficial effect of the invention Beneficial effect
[0014] The present invention provides a method and device of electronic certificate collection, selecting the qualified electronic certificate through the second terminal, eliminate electronic certificate that does not meet the terms of the transaction, it can satisfy the seller to select and filter the transaction order and the transaction object, thus realizing the selectivity of the seller.
A brief description of the drawings Brief Description
A brief description of the drawings Brief Description
[0015] Figure 1 is a flowchart of a method for certificate collection of an electronic certificate according to Example One of the present invention.
[0016] Figure 2 is a flowchart of a method for receiving a certificate of electronic certificate according to a second example of the present invention.
[0017] Figure 3 is a flow chart of a method for receiving certificate of an electronic certificate provided in Example Three of the present invention.
[0018] Figure 4 is a flowchart of a method for receiving a certificate of electronic certificate according to a fourth example of the present invention.
[0019] Figure 5 is a module structure diagram of an electronic certificate collection device according to Example Five of the present invention.
[0020] Figure 6 is a module structure diagram of another electronic certificate collection device according to Example Five of the present invention.
Examples of the Invention Implementation pattern of the present invention
Examples of the Invention Implementation pattern of the present invention
[0021] 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.
[0022] In this example of the present invention, an electronic certificate is an electronic certificate committed by a bank promised to pay the funds according to the agreed conditions. It means that the bank opens the amount of funds required by the issuer's application to freeze or uses the credit limit and commits to pay the settlement of electronic commitment certificate in accordance with the agreed terms of payment.
[0023] The process of the network payment transaction through the 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 first terminal (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.
[0024] 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.
[0025] 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.
[0026] Example 1
[0027] As shown in Figure 1, a method for certificate collection of an electronic certificate provided in an example of the present invention is applied to a second terminal, where the method includes the following steps:
[0028] S101, receiving and storing the preset conditions of acceptance by the seller.
[0029] Specifically, the seller sets the electronic certificate parameter range of the certificate or the electronic certificate parameter range of the rejection certificate according to the demand.
Electronic certificate parameters include but are not limited to the combination of any one or more of the following parameters: issuing time, transaction object information, settlement rate, issuing bank information, issuing amount, performance period, receipt period, electronic certificate model and settlement mode and so on. The seller set the scope of the parameters or the scope of the non-acceptance parameters according to the requirements. Such as the opening of the issuing time of rejection of refusal, identity information does not match the rejection, the rejection of the low payment rate and the rejection by the issuing bank with bad credit, the rejection of issuing amount is too much or too small, the contract period is too short to be rejected, the receipt period is too short, the rejection of the unqualified electronic certificate model, the rejection of the unpaid solution Date Recue/Date Received 2021-05-25 pattern, and the rejection of the transaction order number do not match.
Here's an example of how to use it:
Electronic certificate parameters include but are not limited to the combination of any one or more of the following parameters: issuing time, transaction object information, settlement rate, issuing bank information, issuing amount, performance period, receipt period, electronic certificate model and settlement mode and so on. The seller set the scope of the parameters or the scope of the non-acceptance parameters according to the requirements. Such as the opening of the issuing time of rejection of refusal, identity information does not match the rejection, the rejection of the low payment rate and the rejection by the issuing bank with bad credit, the rejection of issuing amount is too much or too small, the contract period is too short to be rejected, the receipt period is too short, the rejection of the unqualified electronic certificate model, the rejection of the unpaid solution Date Recue/Date Received 2021-05-25 pattern, and the rejection of the transaction order number do not match.
Here's an example of how to use it:
[0030] The rejection of the overdue certificate: the seller held a time limited group-buying activity, the activities is ended before 12 o'clock, payment methods using electronic certificate, one of the conditions for setting up the acceptance certificate is that the opening time is before 12 o 'clock, if the buyer orders the order before 12 o 'clock, but after 12 o 'clock, the certificate is rejected.
[0031] Rejection of low payment rate: The information of the electronic certificate can include the rate of settlement of the counterparty, that is, the number of successful electronic certificate of solution in the electronic certificate business handled by the counterparty. As the electronic certificate is a cash on delivery payment instrument, the competitor or malicious user orders or rejected after the rejection of malicious electronic trading instruments cannot be resolved, so that the solution rate is significantly lower than normal users, in order to avoid such malicious users, one of the conditions of the collection is the lower limit of payment, eliminate the orders below the settlement rate to avoid losses, such as the solution rate of less than 50% of the user rejected.
[0032] The performance of the short period of rejection: If the fulfilment period of the electronic certificate is too short, the seller will be unable to complete the stocking and delivery operations within the performance period, resulting in the failure of the electronic certificate. If the performance period of less than 1 day of rejection, thus avoiding losses.
[0033] The receipt period is too short of rejection: after the delivery of the seller, the transport of commodity will take a certain period of time according to the distance, if the receipt is too short, the delivery of commodity will not be delivered within the period of receipt of the commodity, which will result in the failure of electronic certificate. One of the conditions that can be set is the lower limit of the time of signing. The seller may set the lower limit of the length of the receipt period according to the time required for the transportation of the commodity, which is lower than the length of the rejection.
[0034] Rejection of the transaction order number: when the buyer opens the certificate on the basis of the generated transaction order, the electronic certificate information can be recorded for the seller to identify the transaction order number, but if the order number is incorrectly filled, the seller may not be able to identify the which order of the payment was to be paid, resulting in the transaction being unable to complete. One of the conditions for setting the receiving card is the match condition of the order number. The transaction order number recorded by electronic certificate is compared with the seller's order database, and the non-matched data is rejected.
[0035] As a preferred example, in order to make the conditions more flexible and quick receipt, the seller can also set the white list according to the transaction object, such as the long-term friendship and cooperation of the more credible buyers white listed for special treatment, so in this way, when selecting information, as long as the buyer is listed in the white list, it is directly judged as issuing, it is no longer compared with other parameter ranges of electronic certificate information, so as to avoid the rejection caused by electronic certificate parameter falling into the rejection condition, and affect the cooperation relationship.
[0036] As another preferred example, in order to make the receipt conditions more rigorous and quick, the seller may also set the black list according to the transaction object. For example, a buyer who will not be willing to cooperate or have a bad credit is included in the blacklist, so that when the information is selected, the buyer is directly rejected as blacklisted and no longer compares the range of other parameters of the electronic certificate information so as to avoid the receipt of an acceptable parameter condition.
[0037] S102: Receiving a notification to be received and delivered by a notification terminal, wherein the notification to be accepted includes information of an electronic certificate.
[0038] Specifically, the notification terminal includes, but is not limited to, a first Funds-Management server, a second Funds-Management server, or a first terminal, which may be set according to actual needs in a specific application. Electronic certificate information includes but not limited to the issuing time, transaction object information, settlement rate, issuing bank information, issuing amount, performance period, receipt period, electronic certificate model, settlement mode and other parameters, transaction order number, etc. an arbitrary or multiple combination of a transaction order number.
[0039] S103: According to whether the electronic certificate information and the receiving condition match the receiving condition, if the receiving condition is met, the second Funds-Management server delivers the receiving application.
[0040] Specifically, the second terminal compares the electronic certificate data to be received according to a receiving condition preset by the seller, and if the electronic certificate data to be received matches the receiving condition, the second terminal determines that the certificate is receivable, and delivers the second certificate to the second Funds -Management server to initiate a receipt application; if the acceptance condition is not met, then the rejection card shall be judged, and the application shall not be initiated for the second Funds-Management server.
[0041] In this example of the present invention, selecting the qualified electronic certificate through the second terminal, eliminate electronic certificate that does not meet the terms of the transaction, it can satisfy the seller to select and filter the transaction order and the transaction object, thus realizing the selectivity of the seller.
[0042] Example 2
[0043] As shown in Figure 2, a method for certificate collection of an electronic certificate provided in an example of the present invention includes the following steps:
[0044] S201: the second terminal receives and stores the preset conditions of acceptance by the seller.
[0045] S202: Receive a notification to be received and delivered by the first terminal, where the notification to be received includes the electronic certificate information.
[0046] S203. Check whether the receiving condition is met according to the electronic certificate information and the receiving condition, and if the receiving condition is met, perform step S204; otherwise, perform step S205.
[0047] S204, delivering a certificate application to the second Funds-Management server, and proceeding to step S206.
[0048] S205: Deliver a rejection notification to the first terminal.
[0049] S206, end the process.
[0050] Based on the first example, the example of the present invention uses the first terminal to deliver a notification of pending certification, and the second terminal selects and filters the information of the electronic certificate delivered by the first terminal to achieve selective payment.
[0051] Example 3
[0052] As shown in Figure 3, a method for certificate collection of an electronic certificate provided in an example of the present invention includes the following steps:
[0053] S301: the second terminal receives and stores the preset conditions of acceptance by the seller.
[0054] S302, receiving a notification to be received from the first Funds-Management server, wherein the notification to be received includes the information of electronic certificate.
[0055] S303: Determine whether the transaction object is in the white list, and if yes, go to step S306; otherwise, go to step S304.
[0056] S304: Determine whether the transaction object is in the blacklist, and if yes, go to step S307; otherwise, go to step S305.
[0057] S305: Whether the receiving condition is met according to the electronic certificate information and the receivable parameter range / rejection card parameter range is satisfied, and if the receiving condition is met, step S306 is performed;
otherwise, step S307 is performed.
otherwise, step S307 is performed.
[0058] Specifically, in this example, determine whether a transaction is on a white list or a blacklist. If it is in the white list, it is determined that the receiving condition is met, and if it is in the blacklist, it is determined that the receiving condition is not met. If the transaction object is not in the white list and the blacklist, it is determined whether the electronic certificate information meets the receiving condition according to the range of the electronic certificate information and the range of the receivable parameter / the range of the certificate of rejection card. If the parameter of the electronic certificate falls within the range of the receivable parameter, it is judged to be in accordance with the conditions of reception, if the electronic certificate parameters fall into the range of rejection card parameters, the judgement is not in conformity with the receiving condition.
[0059] S306: delivering a certificate application to the second Funds-Management server, and proceeding to step S308.
[0060] S307: Deliver a rejection notification to the first Funds-Management server.
[0061] S308, end the process.
[0062] On the basis of the first example, the examples of the present invention use the first Funds-Management server to deliver a notification of pending verification, and the second terminal first filters the transaction object by the black-and-white list first, and then it can further improve the flexibility of the choice by comparing the transaction order information that is not in the black-and-white list.
[0063] Example 4
[0064] As shown in Figure 4, a method for certificate collection of an electronic certificate provided in an example of the present invention includes the following steps:
[0065] S401: the second terminal receives and stores the preset conditions of acceptance by the seller.
[0066] S402: receiving a notification to be received from the second Funds-Management server, wherein the notification to be received includes the information of electronic certificate.
[0067] S403. Determine whether the transaction object is in the white list, and if yes, go to step S406; otherwise, go to step S404.
[0068] S404, determining whether the transaction object is in the blacklist, if yes, proceeding to step S407; otherwise executing step S405.
[0069] S405: Whether the receiving condition is met according to the electronic certificate information and the receivable parameter range / rejection card parameter range is satisfied, and if the receiving condition is met, step S306 is performed;
otherwise, step S406 is performed S407.
otherwise, step S406 is performed S407.
[0070] S406: delivering a certificate application to the second Funds-Management server, and proceeding to step S408.
[0071] S407: Deliver a rejection notification to the second Funds-Management server.
[0072] S408, end the process.
[0073] On the basis of the first example, the examples of the present invention use the second Funds-Management server to deliver a notification of pending receipt, and the second terminal first filters the transaction object by the black-and-white list first, and then it can further improve the flexibility of the choice by comparing the transaction order information that is not in the black-and-white list.
[0074] Example 5
[0075] An electronic certificate collection device provided in an example of the present invention is applied to a second terminal, where the device includes the following setting module 10, a receiving module 20, a comparison module 30, and a request module 40, wherein:
[0076] The setting module 10 is used to receive and store the seller's preset collection conditions.
[0077] Specifically, the setting module 10 is used to set a range of electronic certificate parameters that can be accredited by the seller or set an electronic certificate parameter range of the certificate of refusal according to requirements. Electronic certificate parameters include but are not limited to the following: any of the following: opening date, transaction object information, settlement rate, issuing bank information, issuing amount, performance period, receipt period, electronic certificate model, settlement mode and transaction order number species or a combination of multiple parameters. The seller set the scope of the parameters or the scope of the non-acceptance parameters according to the requirements.
Such as the opening of the issuing time of rejection of refusal, identity information does not match the rejection, the rejection of the low payment rate and the rejection by the issuing bank with bad credit, the rejection of issuing amount is too much or too small, the contract period is too short to be rejected, the receipt period is too short, the rejection of the unqualified electronic certificate model, the rejection of the unpaid solution pattern, and the rejection of the transaction order number do not match. Here's an example of how to use it:
Such as the opening of the issuing time of rejection of refusal, identity information does not match the rejection, the rejection of the low payment rate and the rejection by the issuing bank with bad credit, the rejection of issuing amount is too much or too small, the contract period is too short to be rejected, the receipt period is too short, the rejection of the unqualified electronic certificate model, the rejection of the unpaid solution pattern, and the rejection of the transaction order number do not match. Here's an example of how to use it:
[0078] The rejection of the overdue certificate: the seller held a time limited group-buying activity, the activities is ended before 12 o'clock, payment methods using electronic certificate, one of the conditions can be set by the module 10 to set up the acceptance certificate is that the opening time is before 12 o 'clock, if the buyer orders the order before 12 o 'clock, but after 12 o 'clock, the certificate is rejected.
[0079] Rejection of low payment rate: The information of the electronic certificate can include the rate of settlement of the counterpart)', that is, the number of successful electronic certificate of solution in the electronic certificate business handled by the counterpart)'. As the electronic certificate is a cash on delivery payment instrument, the competitor or malicious user orders or rejected after the rejection of malicious electronic trading instruments cannot be resolved, so that the solution rate is significantly lower than normal users, in order to avoid such malicious users, one of the conditions of the collection set by module 10 is the lower limit of payment, eliminate the orders below the settlement rate to avoid losses, such as the solution rate of less than 50% of the user rejected.
[0080] The performance of the short period of rejection: If the fulfilment period of the electronic certificate is too short, the seller will not be able to complete the stocking and shipping operations within the compliance period, resulting in the failure of the electronic certificate. One of the conditions of collection can be set through the setting module 10. If the performance period of less than 1 day of rejection, thus avoiding losses.
[0081] The receipt period is too short of rejection: after the delivery of the seller, the transport of commodity will take a certain period of time according to the distance, if the receipt is too short, the delivery of commodity will not be delivered within the period of receipt of the commodity, which will result in the failure of electronic certificate. One of the conditions of collection can be set by the setting module 10 as the lower limit of the duration of the receipt period. The seller may set the lower limit of the length of the receipt period according to the time required for the transportation of the commodity, which is lower than the length of the rejection.
[0082] Rejection of the transaction order number: when the buyer opens the certificate on the basis of the generated transaction order, the electronic certificate information can be recorded for the seller to identify the transaction order number, but if the order number is incorrectly filled, the seller may not be able to identify the which order of the payment was to be paid, resulting in the transaction being unable to complete. You can set one of the conditions of the collection by setting the module to match the conditions for the order number. The transaction order number recorded by electronic certificate is compared with the seller's order database, and the non-matched data is rejected. As a preferred example, in order to make the conditions of collection more flexible and quick, the setting module 10 may further be configured to set the seller to set the white list according to the transaction object, such as the long-term friendship and cooperation of the more credible buyers white listed for special treatment, so in this way, when selecting information, as long as the buyer is listed in the white list, it is directly judged as issuing, it is no longer compared with other parameter ranges of electronic certificate information, so as to avoid the rejection caused by electronic certificate parameter falling into the rejection condition, and affect the cooperation relationship.
[0083] As another preferred example, in order to make the conditions of the receipt more rigorous and quick, the setting module 10 may further be used to set the blacklist according to the transaction object by the seller. For example, a buyer who will not be willing to cooperate or have a bad credit is included in the blacklist, so that when the information is selected, the buyer is directly rejected as blacklisted and no longer compares the range of other parameters of the electronic certificate information so as to avoid the receipt of an acceptable parameter condition.
[0084] The receiving module 20 is used to receive a notification to be received and delivered by a notification terminal, wherein the notification to be accepted includes information of an electronic certificate.
[0085] Wherein, the receiving module 20 is specifically used to: receive a pending notification of payment delivered by the first Funds-Management server, the second Funds-Management server, or the first terminal. The notification terminal includes, but is not limited to, a first Funds-Management server, a second Funds-Management server, or a first terminal, which may be set according to actual needs in a specific application. Electronic certificate information includes but not limited to the time of issuance, transaction object information, settlement rate, issuing bank information, issuing amount, performance period, receipt period, electronic certificate model, settlement mode and transaction order number, etc. an arbitrary or multiple combination of a transaction order number.
[0086] The comparison module 30 is used to compare whether the receiving condition is met according to the electronic certificate information and the receiving condition.
[0087] Specifically, the comparison module 30 compares the electronic certificate data to be received according to the receiving condition preset by the seller, and if the data of the electronic certificate to be received matches the receiving condition, it judges that the certificate can be received; if the receiving condition is not met, the rejection certificate will be judged.
[0088] As a preferred solution, the comparison module 30 is specifically used to: determine whether the transaction object is in the white list or the blacklist first, and if the transaction object is in the white list, determine that the receiving condition is met; if the transaction object is in the black list, it is judged that the reception conditions are not met. If the transaction object is not in the white list and the blacklist, it is determined whether the electronic certificate information meets the receiving condition according to the range of the electronic certificate information and the range of the receivable parameter / the range of the certificate of rejection card. If the parameter of the electronic certificate falls within the range of the receivable parameter, it is judged to be in accordance with the conditions of reception, if the electronic certificate parameters fall into the range of rejection card parameters, the judgement is not in conformity with the receiving condition.
In this way, it is possible to improve the flexibility of the choice by judging whether it can be accepted quickly by the transaction object.
In this way, it is possible to improve the flexibility of the choice by judging whether it can be accepted quickly by the transaction object.
[0089] The request module 40 is used to deliver a certificate application to the second Funds-Management server when the receiving conditions are met.
[0090] Figure 6, in some examples, in order for the notification terminal to be informed in time when the certificate fails, the device also includes a feedback module 50, which is set to return notifications to the notification terminal when the reception conditions are not met.
[0091] Specifically, the notification terminal includes, but is not limited to, a first Funds-Management server, a second Funds-Management server, or a first terminal, which may be set according to actual needs in a specific application. When the comparison result of the comparison module 30 does not meet the receiving condition, the second terminal feeds back the notification of the certificate of rejection to the notification terminal.
[0092] It should be noted that, the technical features in the first example, the second example, the third example, and the fourth example in the above method are all applicable to the present system and will not be repeated here.
[0093] The device provided by the example of the present invention, selecting the qualified electronic certificate through the second terminal, eliminate electronic certificate that does not meet the terms of the transaction, it can satisfy the seller to select and filter the transaction order and the transaction object, thus realizing the selectivity of the seller.
[0094] 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.
[0095] A person of skill in the art 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.
[0096] 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, Date Re9ue/Date Received 2020-06-10 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
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, Date Re9ue/Date Received 2020-06-10 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
[0097] The present invention provides a method and device of electronic certificate collection, selecting the qualified electronic certificate through the second terminal, eliminate electronic certificate that does not meet the terms of the transaction, it can satisfy the seller to select and filter the transaction order and the transaction object, thus realizing the selectivity of the seller. Therefore, it has industrial applicability.
Date Re9ue/Date Received 2020-06-10
Date Re9ue/Date Received 2020-06-10
Claims (96)
1. A computer system for receiving electronic certificate in an electronic transaction and transferring possession of a commodity from a seller to a buyer, the system comprising:
a second terminal configured to:
receive and store a pre-set condition for receiving the electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in a buyer's account as per the pre-set condition;
receive a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
compare the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and where if the electronic certificate information meets the pre-set condition, deliver a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt to a second Funds-Management server, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object;
the second Funds-Management server configured to receive request for receiving the electronic certificate from the second terminal.
a second terminal configured to:
receive and store a pre-set condition for receiving the electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in a buyer's account as per the pre-set condition;
receive a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
compare the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and where if the electronic certificate information meets the pre-set condition, deliver a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt to a second Funds-Management server, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object;
the second Funds-Management server configured to receive request for receiving the electronic certificate from the second terminal.
2. The system of claim 1, wherein the pre-set condition includes a white list of transaction objects.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
3. The system of claim 1, wherein the pre-set condition includes a blacklist of transaction objects.
4. The system of claim 2, wherein the second terminal is further configured to determine whether the transaction objects of the electronic certificate is in the white list of transaction objects.
5. The system of claim 4, where if the transaction objects of the electronic certificate is in the white list of transaction object, wherein the second terminal is configured to deliver the request for receiving the electronic certificate to the second Funds-Management server.
6. The system of any one of claims 2 to 5, wherein the second terminal is further configured to determine whether the transaction objects of the electronic certificate is in a blacklist of transaction objects.
7. The system of claim 6, where if the transaction objects of the electronic certificate is in the blacklist of transaction object, wherein the second terminal is configured to refuse the electronic certificate.
8. The system of claim 1, wherein the pre-set condition further includes a plurality of receivable parameters.
9. The system of claim 1, wherein the pre-set condition further includes a plurality of rejected parameters.
10. The system of any one of claims 8 to 9, wherein a parameter includes an issuing date of the electronic certificate.
11. The system of any one of claims 8 to9, wherein a parameter includes transaction object information.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
12. The system of any one of claims 8 to 9, wherein a parameter includes a settlement rate.
13. The system of any one of claims 8 to 9, wherein a parameter includes financial institution information for issuing electronic certificate.
14. The system of any one of claims 8 to 9, wherein a parameter includes an amount of funds for issuing electronic certificate.
15. The system of any one of claims 8 to 9, wherein a parameter includes a performance period.
16. The system of any one of claims 8 to 15, wherein a parameter includes a receipt period.
17. The system of any one of claims 8 to 9, wherein a parameter includes an electronic certificate model.
18. The system of any one of claims 8 to 9, wherein a parameter includes a settlement mode.
19. The system of any one of claims 8 to 9, wherein a parameter includes a transaction order number.
20. The system of claim 6, where if the transaction objects of the electronic certificate are not being part of the white list and the black list of transaction object, wherein the second terminal is further configured to determine whether the electronic certificate information meets the plurality of receivable parameters and the plurality of rejected parameters.
21. The system of any one of claims 1 to 20, wherein the second terminal is further configured to deliver a notification for refusing to receive the electronic certificate to the notification terminal when the electronic certificate information fails to meet the pre-set condition.
22. The system of any one of claims 1 to 21, wherein the notification terminal includes a first Funds-Management server.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
23. The system of any one of claims 1 to 21, wherein the notification terminal includes a second Funds-Management server.
24. The system of any one of claims 1 to 21, wherein the notification terminal includes a first terminal.
25. A computer implemented method for receiving electronic certificate in an electronic transaction and transferring possession of a commodity from a seller to a buyer, the method comprising:
a second terminal receives and stores a pre-set condition for receiving the electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in a buyer's account as per the pre-set condition;
the second terminal receives a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
the second terminal compares the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and where if the electronic certificate information meets the pre-set condition, delivering a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object.
a second terminal receives and stores a pre-set condition for receiving the electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in a buyer's account as per the pre-set condition;
the second terminal receives a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
the second terminal compares the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and where if the electronic certificate information meets the pre-set condition, delivering a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object.
26. The method of claim 25, wherein the pre-set condition includes a white list of transaction objects.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
27. The method of claim 25, wherein the pre-set condition includes a blacklist of transaction objects.
28. The method of claim 26, further includes that the second terminal determines whether the transaction objects of the electronic certificate is in the white list of transaction object.
29. The method of claim 28, where if the transaction objects of the electronic certificate is in the white list of transaction object, further includes that the second terminal delivers the request for receiving the electronic certificate to the second Funds-Management server.
30. The method of claim 27 further includes that the second terminal determines whether the transaction objects of the electronic certificate is in the blacklist of transaction object.
31. The method of claim 30, where if the transaction objects of the electronic certificate is in the blacklist of transaction object, further includes that the second terminal refuses the electronic certificate.
32. The method of claim 25, wherein the pre-set condition further includes a plurality of receivable parameters.
33. The method of claim 25, wherein the pre-set condition further includes a plurality of rejected parameters.
34. The method of any one of claims 32 to 33, wherein a parameter includes an issuing date of the electronic certificate.
35. The method of any one of claims 32 to 33, wherein a parameter includes transaction object information.
36. The method of any one of claims 32 to 33, wherein a parameter includes a settlement rate.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
37. The method of any one of claims 32 to 33, wherein a parameter includes financial institution information for issuing electronic certificate.
38. The method of any one of claims 32 to 33, wherein a parameter includes an amount of funds for issuing electronic certificate.
39. The method of any one of claims 32 to 33, wherein a parameter includes a performance period.
40. The method of any one of claims 32 to 33, wherein a parameter includes a receipt period.
41. The method of any one of claims 32 to 33, wherein a parameter includes an electronic certificate model.
42. The method of any one of claims 32 to 33, wherein a parameter includes a settlement mode.
43. The method of any one of claims 32 to 33, wherein a parameter includes a transaction order number.
44. The method of any one of claims 27 to 43, where if the transaction objects of the electronic certificate is not being part of the white list and the black list of transaction object, further includes that the second terminal determines whether the electronic certificate information meets the plurality of receivable parameters and the plurality of rejected parameters.
45. The method of any one of claims 25 to 44 further includes delivering a notification for refusing to receive the electronic certificate to the notification terminal when the electronic certificate information fails to meet the pre-set condition.
46. The method of any one of claims 25 to 45, wherein the notification terminal includes a first Funds-Management server.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
47. The method of any one of claims 25 to 45,wherein the notification terminal includes a second Funds-Management server.
48. The method of any one of claims 25 to 45,wherein the notification terminal includes a first terminal.
49. A computer implemented method for receiving electronic certificate in an electronic transaction and transferring possession of a commodity from a seller to a buyer, the method comprising:
storing a pre-set condition for receiving the electronic certificate when receiving the pre-set condition for receiving electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in a buyer's account as per the pre-set condition;
receiving a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
comparing the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and where if the electronic certificate information meets the pre-set condition, delivering a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt to a second Funds-Management server, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object.
storing a pre-set condition for receiving the electronic certificate when receiving the pre-set condition for receiving electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in a buyer's account as per the pre-set condition;
receiving a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
comparing the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and where if the electronic certificate information meets the pre-set condition, delivering a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt to a second Funds-Management server, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object.
50. The method of claim 49, wherein the pre-set condition includes a white list of transaction objects.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
51. The method of claim 49, wherein the pre-set condition includes a blacklist of transaction objects.
52. The method of claim 50 further includes determining whether the transaction objects of the electronic certificate is in the white list of transaction object.
53. The method of claim 52, where if the transaction objects of the electronic certificate is in the white list of transaction object, delivering the request for receiving the electronic certificate to the second Funds-Management server.
54. The method of claim51 further includes determining whether the transaction objects of the electronic certificate is in the blacklist of transaction object.
55. The method of claim 54, further includes refusing the electronic certificate where if the transaction objects of the electronic certificate is in the blacklist of transaction object.
56. The method of claim 49, wherein the pre-set condition further includes a plurality of receivable parameters.
57. The method of claim 49, wherein the pre-set condition further includes a plurality of rejected parameters.
58. The method of any one of claims 56 to 57, wherein a parameter includes an issuing date of the electronic certificate.
59. The method of any one of claims 56 to 57, wherein a parameter includes transaction object infomiation.
60. The method of any one of claims 56 to 57, wherein a parameter includes a settlement rate.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
61. The method of any one of claims 56 to 57, wherein a parameter includes financial institution information for issuing electronic certificate.
62. The method of any one of claims 56 to 57, wherein a parameter includes an amount of funds for issuing electronic certificate.
63. The method of any one of claims 56 to 57, wherein a parameter includes a performance period.
64. The method of any one of claims 56 to 57, wherein a parameter includes a receipt period.
65. The method of any one of claims 56 to 57, wherein a parameter includes an electronic certificate model.
66. The method of any one of claims 56 to 57, wherein a parameter includes a settlement mode.
67. The method of any one of claims 56 to 57, wherein a parameter includes a transaction order number.
68. The method of any one of claims 57 to 67, further includes determining whether the electronic certificate information meets the plurality of receivable parameters and the plurality of rejected parameters, where if the transaction objects of the electronic certificate is not being part of the white list and the black list of transaction object.
69. The method of any one of claims 49 to 68, further includes delivering a notification for refusing to receive the electronic certificate to the notification terminal when the electronic certificate information fails to meet the pre-set condition.
70. The method of any one of claims 49 to 69, wherein the notification terminal includes a first Funds-Management server.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
71. The method of any one of claims 49 to 69, wherein the notification terminal includes a second Funds-Management server.
72. The method of any one of claims 49 to 69, wherein the notification terminal includes a first terminal.
73. A computer implemented device for receiving electronic certificate in an electronic transaction and transferring possession of a commodity from a seller to a buyer, the device comprising:
a setting module configured to receive and store a pre-set condition for receiving the electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in the buyer's account as per the pre-set condition;
a receiving module configured to receive a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
a comparison module configured to compare the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and a request module configured deliver a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt to a second Funds-Management server, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object.
a setting module configured to receive and store a pre-set condition for receiving the electronic certificate from the seller, wherein the electronic certificate is generated by freezing funds in the buyer's account as per the pre-set condition;
a receiving module configured to receive a notice of pending receipt from a notification terminal, wherein the notice of pending receipt includes electronic certificate information;
a comparison module configured to compare the electronic certificate information with the pre-set condition for receiving electronic certificate to check whether the electronic certificate information meets the pre-set condition; and a request module configured deliver a request to a first terminal for receiving the electronic certificate corresponding to the notice of pending receipt to a second Funds-Management server, thereby selecting the qualified electronic certificate and releasing the frozen funds in the buyer's account into the seller's account, to meet seller's demand to deliver a transaction object.
74. The device of claim 73, wherein the pre-set condition includes a white list of transaction objects.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
75. The device of claim 73, wherein the pre-set condition includes a blacklist of transaction objects.
76. The device claim 74, wherein the comparison module is further configured to determine whether the transaction objects of the electronic certificate is in the white list of transaction object.
77. The device of claim 76, where if the transaction objects of the electronic certificate is in the white list of transaction object, wherein the second terminal is configured to deliver the request for receiving the electronic certificate to the second Funds-Management server.
78. The device of claim 75, wherein the comparison module is further configured to determine whether the transaction objects of the electronic certificate is in the blacklist of transaction object.
79. The device of claim 78, further includes a feedback module.
80. The device of claim 79, wherein the feedback module is configured to refuse the electronic certificate where if the transaction objects of the electronic certificate is in the blacklist of transaction object.
81. The device of claim 73, wherein the pre-set condition further includes a plurality of receivable parameters.
82. The device of claim 73, wherein the pre-set condition further includes a plurality of rejected parameters.
83. The device of any one of claims 81 to 82, wherein a parameter includes an issuing date of the electronic certificate.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
84. The device of any one of claims 81 to 83, wherein a parameter includes transaction object information.
85. The device of any one of claims 81 to 82, wherein a parameter includes a settlement rate.
86. The device of any one of claims 81 to 82, wherein a parameter includes financial institution information for issuing electronic certificate.
87. The device of any one of claims 81 to 82, wherein a parameter includes an amount of funds for issuing electronic certificate.
88. The device of any one of claims 81 to 82, wherein a parameter includes a performance period.
89. The device of any one of claims 81 to 82, wherein a parameter includes a receipt period.
90. The device of any one of claims 81 to 82, wherein a parameter includes an electronic certificate model.
91. The device of any one of claims 81 to 82, wherein a parameter includes a settlement mode.
92. The device of any one of claims 81 to 82, wherein a parameter includes a transaction order number.
93. The device of any one of claims 78 to 92, wherein the comparison module is further configured to determine whether the electronic certificate information meets the plurality of receivable parameters and the plurality ofrejected parameters, where if the transaction objects of the electronic certificate is not being part of the white list and the black list of transaction object.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
94. The device of any one of claims 73 to 93, wherein the notification terminal includes a first Funds-Management server.
95. The device of any one of claims 73 to 93, wherein the notification terminal includes a second Funds-Management server.
96. The device of any one of claims 73 to 93, wherein the notification terminal includes a first terminal.
Date recue / Date received 2021-11-22
Date recue / Date received 2021-11-22
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084638 WO2017012046A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiving method and device |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2993105A1 CA2993105A1 (en) | 2017-01-26 |
| CA2993105C true CA2993105C (en) | 2023-01-31 |
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Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993105A Active CA2993105C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate receiving method and device |
Country Status (2)
| Country | Link |
|---|---|
| CA (1) | CA2993105C (en) |
| WO (1) | WO2017012046A1 (en) |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN104767740A (en) * | 2009-09-14 | 2015-07-08 | 交互数字专利控股公司 | User platform credible authentication and access method |
| CN104205144A (en) * | 2012-04-17 | 2014-12-10 | 英特尔公司 | Trusted service interaction |
| KR20150026233A (en) * | 2013-09-02 | 2015-03-11 | 삼성에스디에스 주식회사 | Payment system and method t based on digital card |
| CN104732382A (en) * | 2015-04-03 | 2015-06-24 | 深圳市淘淘谷信息技术有限公司 | Payment management method and payment management system |
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2015
- 2015-07-21 WO PCT/CN2015/084638 patent/WO2017012046A1/en active Application Filing
- 2015-07-21 CA CA2993105A patent/CA2993105C/en active Active
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| Publication number | Publication date |
|---|---|
| CA2993105A1 (en) | 2017-01-26 |
| WO2017012046A1 (en) | 2017-01-26 |
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