CA2993110C

CA2993110C - Online transaction method, device and system

Info

Publication number: CA2993110C
Application number: CA2993110A
Authority: CA
Inventors: Yi Zhang
Original assignee: 10353744 Canada Ltd
Current assignee: 10353744 Canada Ltd
Priority date: 2015-07-21
Filing date: 2015-07-21
Publication date: 2023-01-10
Anticipated expiration: 2035-07-21
Also published as: WO2017012069A1; CA2993110A1

Abstract

An online transaction method, device and system, belonging to the technical field of the Internet. The method comprises: a client generates order information according to an item ordered by a buyer, and sends the order information to an item server (S101), and sends a bank credit certificate issuing request to a first bank server (S102); the first bank server generates a to-be-effective bank credit certificate (S103), and verifies buyer payment checking information obtained by the client (S104); if verification is passed, the first bank server freezes funds in a buyer account which correspond to an order amount, updates the status of the bank credit certificate to effective, and sends the bank credit certificate to a second bank server (S105); the second bank server updates the status of the received bank credit certificate to has-been-received, and sends a has-been-received notification to the item server (S106); after confirming that the buyer has received, the client sends a has-been-received notification to the first bank server (S107); the first bank server transfers the frozen funds of the buyer account into a seller account (S108). The method effectively reduces the risk to the funds, and increases the security of the transaction.

Description

Online Transaction Method, Device And System Technical Field [0001] The present invention relates to the field of Internet technology, and in particular, to an online transaction method, device, and system.
Background Technology

[0002] With the rapid development of Internet technology, E-commerce has been booming around the world, with online trading platforms such as Amazon, Alibaba, Taobao and other E-commerce as the main mode of operation of the online trading platform. At present, the online trading mode mainly adopts the third-party payment platform. During the transaction, the buyer transfers the transaction funds to the third-party payment platform, and the third-party payment platform also stores the relevant information in the transaction at the same time. After the buyer receives the commodity, the third-party payment platform transfers the transaction funds to the seller, and the transaction is completed.

[0003] However, it is often appear the following case that the customer has not yet received the commodity or services provided by the merchant, the funds have been paid by the third-party payment institution to the merchant, or after a merchant provides a commodity or service, the customer will not be able to pay the corresponding funds. It can be seen that, due to the outflow of trading funds out of the banking system, the payment of bank servers is completely dependent on the operation of third-party payment platforms, which is not conducive to the supervision of funds by banks. When the above situation occurs in the third-party payment platform, the bank server is not able to make the effective capital flow of the delivery of the first hand, which may result in large deviation of the cash flow time of the bank server from the actual transaction time to the user it may bring financial risk to users, and trading funds and transaction information in the third-party payment platform information has the risk of being stolen, the security is not high. Thus it can be seen that at this stage an improved transaction method is needed to reduce the risk of capital and improve the security of transaction information.
Technical problem

[0004] In view of this, the technical problem to be solved by the present invention is to provide an online transaction method, device and system to reduce the risk of funds and improve transaction security.
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, there is provided an online transaction method including the following steps:

[0007] The client generates order information according to the commodity ordered by the buyer and delivers the order information to the commodity server;

[0008] The client delivers a Bank Credit Certificate issuing request to the first bank server according to the order information;

[0009] After receiving the Bank Credit Certificate issuing request, the first bank server generates a Bank Credit Certificate to be validated;

[0010] The first bank server obtains the buyer's payment verification information from the client and verification;

[0011] If the verification is passed, the funds in the buyer account corresponding to the order amount are frozen, and the status of the Bank Credit Certificate is updated to the effective and delivered to the second bank server;

[0012] After the second bank server receives the valid Bank Credit Certificate, it updates the status of the Bank Credit Certificate to the received certificate and delivers the received certificate to the commodity server.

[0013] The client delivers the receipt notification to the first bank server after the buyer confirms the receipt;

[0014] After receiving the receipt notification delivered by the client, the first bank server transfers the funds frozen by the buyer's account to the seller account of the second bank server.

[0015] According to one aspect of the present invention, an online transaction method is provided for the client, which is applied to a client, and the method includes the following steps:

[0016] According to the commodity ordered by the buyer to generate order information and deliver it to the commodity server;

[0017] According to the order information to the first bank server deliver a bank credit certificate issuing request;

[0018] After receiving the payment verification request delivered by the first bank server, the payment check information of the buyer is fed back to the first bank server;

[0019] After the buyer confirms the commodity receipt, the receipt is delivered to the first bank server.

[0020] According to another aspect of the present invention, it is provided an online transaction method applied to a first bank server, the method including the steps of:

[0021] After receiving the Bank Credit Certificate issuing request delivered by the client, a Bank Credit Certificate to be validated is generated;

[0022] Obtain the buyer's payment check information to the client and verify;

[0023] If the verification is passed, the funds in the buyer account corresponding to the order amount are frozen, and the status of the Bank Credit Certificate is updated to the effective and delivered to the second bank server;

[0024] After receiving the receipt notification delivered by the client, transfer funds from the buyer's account into the seller's account of the second bank server.

[0025] According to another aspect of the present invention, an online transaction device is provided for the client, which includes the following modules:

[0026] An order delivery module is set up to generate order information according to the commodity that the buyer has reserved, and delivers it to the commodity server;

[0027] Opening certificate requesting module is used to deliver a bank credit certificate issuing request to the first bank server according to the order information;

[0028] A verification information delivery module is set to provide the payment verification information to the first bank server after receiving the payment verification request delivered by the first bank server;

[0029] The receiving notification module is used to deliver the receipt notification to the first bank server after the buyer confirms the receipt.

[0030] According to another aspect of the present invention, it is provided an online transaction device applied to a first bank server, the device including the following modules:

[0031] The first receiving module is used to receive a Bank Credit Certificate issuance request delivered by the client, and a receipt notification delivered by the client;

[0032] The Bank Credit Certificate generating module is used to generate a Bank Credit Certificate to be validated after receiving the Bank Credit Certificate issuing request delivered by the client;

[0033] The verification module is used to acquire the buyer's payment verification information from the client according to the Bank Credit Certificate to be validated, and verify the payment verification information;

[0034] The freezing module is used to: if the verification is passed, freeze the funds corresponding to the order amount in the buyer's account, update the status of the Bank Credit Certificate to be valid and deliver the status to the second bank server;

[0035] The money transfer module is set up to transfer the funds frozen to the buyer's account to the seller's account of the second bank server after receiving the received notice delivered by the client.

[0036] According to another aspect of the present invention, it is provided an online transaction system including a commodity server for receiving order information, a client, a first bank server, and a second bank server, wherein:

[0037] The client is used to generate order information according to the commodity ordered by the buyer and deliver the order information to the commodity server; deliver a Bank Credit Certificate issuing request to the first bank server according to the order information; and it is also set up to deliver the receipt notification to the first bank server after the buyer confirms the receipt.

[0038] The first bank server is used to generate a Bank Credit Certificate to be validated after receiving the Bank Credit Certificate request; acquire the buyer's payment verification information from the client and perform verification, and if the verification is successful, freeze the funds of the order amount in the buyer's account and updating the status of the Bank Credit Certificate into effect, and delivered to the second bank server;
after receiving the notification delivered by the client, the funds frozen by the buyer's account are transferred to the seller's account of the second bank server.

[0039] The second bank server is used to receive the valid Bank Credit Certificate, updates the status of the Bank Credit Certificate to the received certificate and delivers the received credit notification to the commodity server.
The beneficial effect of the invention Beneficial effect

[0040] The online transaction method, device and system of the present invention delivers the issuing request through the first bank server (buyer's bank) to the client and delivers the receipt notification to the first bank server (buyer's bank). The completion of the transaction in the interaction between buyers and sellers and their bank accounts, the transaction process of transaction funds and transaction information did not go to third-party payment platform, and the transaction status is monitored in real time by generating Bank Credit Certificate, so that there is no deviation between funds flow and actual transaction, so that the effective flow of funds for delivery of first-hand commodity and it can effectively reduce the risk of funds and improve the security of the transaction.

[0041] Figure 1 is a flowchart of an online transaction method provided by an example of the present invention.

[0042] Figure 2 is a flow chart of information interaction according to an online transaction method provided by an example of the present invention.

[0043] Figure 3 is a flowchart of a data transmission method according to an example of the present invention.

[0044] Figure 4 is a flowchart of an online transaction method applied to a client according to an example of the present invention.

[0045] Figure 5 is a flowchart of an online transaction method applied to a first bank server according to an example of the present invention.

[0046] Figure 6 is a system structure diagram of an online trading system provided by an example of the present invention.

[0047] Figure 7 is a block diagram of an online trading system provided by an example of the present invention.
Examples of the Invention Implementation pattern of the present invention

[0048] 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.

[0049] Example 1

[0050] As shown in Figure 1 and Figure 2, an online transaction method provided in an example of the present invention includes the following steps:

[0051] S101: the client generates the order information according to the commodity ordered by the buyer, and delivers the order information to the commodity server.

[0052] Specifically, the seller stores the commodity information into the commodity server, and the buyer communicates with the commodity server through the client, obtains the commodity information from the commodity server, and selects the commodity that needs to be purchased. The client generates order information according to the commodity information selected by the buyer and submits the order information to the commodity server. Wherein, commodity include tangible physical commodity and intangible services.
Product information includes the price of commodity, parameters and other information.
The commodity server can be a commercial computer server or a seller's own computer server. The client is a communication terminal operated by the buyer, including but not limited to a terminal device such as a mobile phone, a tablet, a computer and so on.

[0053] S102: Deliver a Bank Credit Certificate issuing request to the first bank server according to the order information.

[0054] Specifically, the client first bank server (to the buyer's bank where the bank server) delivers a Bank Credit Certificate issuing request, Bank Credit Certificate is an electronic certificate of bank credit commitment can be interpreted as an electronic data, it can be understood as an electronic data that can be stored in a computer system and transmitted over the network.

[0055] S103: After receiving the bank credit certificate issuing request, the first bank server generates a bank credit certificate to be validated.

[0056] Specifically, after receiving the Bank Credit Certificate issuing request, the first bank server generates a Bank Credit Certificate Z1 to be validated according to the Bank Credit Certificate issuing request information.

[0057] S104: Acquire the buyer's payment verification information from the client and performs verification. If the verification succeeds, Step S105 is executed, otherwise, the process ends.

[0058] Specifically, according to the Bank Credit Certificate to be validated, and delivers the payment verification information to the client, after receiving the payment check information from the buyer, the client is submitted to the first bank server for verification.
Wherein, the payment verification information may be a payment page, and the buyer inputs information such as verification information and payment amount on the payment page on the client. The verification information includes at least the bank account number and password, and may further include the verification code, expiration date and other information.

[0059] S105, freezing the funds corresponding to the order amount in the buyer's account, updating the status of the Bank Credit Certificate to be valid, and delivering the status to the second bank server.

[0060] Specifically, after the verification is passed, the funds corresponding to the order amount in the buyer's bank account are frozen according to Bank Credit Certificate Z1, and the Bank Credit Certificate Z1 to be validated is updated to the valid Bank Credit Certificate Z2 and the valid Bank Credit Certificate Z2 delivered to the second bank server.

[0061] S106: the second bank server updates the status of the Bank Credit Certificate that has taken effect to the received credit and delivers the received credit notification to the commodity server.

[0062] Specifically, after the second bank server receives the valid Bank Credit Certificate, the second bank server updates the status to the certified status. And delivers the received notification to the commodity server, the commodity server has received the notification of receipt of the certificate, and notify the seller to deliver the commodity.

[0063] S107: The client delivers the receipt notification to the first bank server after the buyer confirms the receipt.

[0064] Specifically, after the client receives the confirmation of receipt input by the buyer, the client delivers a receipt notification of receipt to the first bank service, thereby notifying the first bank server of the withdrawal.

[0065] S108: After receiving the receipt notification sent by the client, the first bank server transfers the funds frozen by the buyer account to the seller account of the second bank server.

[0066] Specifically, after receiving the receipt notification delivered by the client, the second bank server transfers the funds frozen in the buyer's bank account to the seller's bank account. As a result, the transaction is completed.

[0067] In order to prevent the buyer from receiving the commodity after receiving confirmation, the above method also includes: if the first bank server does not receive the notifications received by the client within the preset time, the frozen funds from the buyer's account will be transferred to the seller's account of the second bank server after exceeding the preset time.

[0068] In the online transaction method in the example of the present invention, transaction funds and transaction information in the transaction process are not transferred to a third-party payment platform, and the status of the transaction is monitored in real time by generating a Bank Credit Certificate, so that there is no deviation between the time of capital flow and the actual transaction time, and the effective flow of money to deliver the money by hand is achieved,it can effectively reduce the financial risks and improve the security of transaction information.

[0069] As a preferred example, in order to prevent the transaction information from being stolen, the client, the commodity server, the first bank server and the second bank server use digital envelopes to secure the communication data during data delivering and data receiving transmission. Thereby further enhancing the security of data transmission and ensuring the security of transactions.

[0070] Please refer to Figure 3, the method of using digital envelope technology to secure communication data includes the following steps:

[0071] Step S301: the data deliverer generates a symmetric key, and encrypts the communication data by using a symmetric key to form a first ciphertext.

[0072] In order to prevent the symmetric key from being stolen, each time the data deliverer the data, the symmetric key is randomly generated to achieve the dynamic anti-counterfeiting effect. When encrypting the communication data, the data deliverer preferably encrypts the communication data by using the symmetric key to form the first ciphertext.

[0073] Step S302: the data deliverer encrypts the symmetric key by using the public key of the =

data receiver to form a second ciphertext.

[0074] Step S303: the data deliverer signs the first ciphertext and the second ciphertext using its own private key, and delivers the data signature to the data receiver.

[0075] Step S304: After receiving the first ciphertext and the second ciphertext, the data receiver verifies the signatures of the first ciphertext and the second ciphertext using the public key of the data deliverer.

[0076] Step S305: After the verification is passed, the data receiver decrypts the second ciphertext using its private key to obtain a symmetric key.

[0077] Step S306: the data receiver uses the symmetric key to decrypt the first ciphertext to obtain the communication data

[0078] In some examples, it can also omit the signature step in step S303 and the verification signature step in step S304.

[0079] As another preferred example, in order to prevent data from being tampered with after the communication caused by financial safety, information security and other issues, therefore, the dual-track verification technology is used. Specifically, in the data transmission process, the monitoring system collects the data delivered by the data deliverer and the data received by the data receiver at the same time, verifies the consistency of the data delivered and the received data, and compare the data collected and the received data to determine whether the two are consistent. To determine whether the data is tampered with during communication.

[0080] As another preferred example, in order to balance the convenience of communication and ensure data security, a dual-network combination technology is adopted. That is, the client, the first bank server, the second bank server and the commodity server communicate with each other through the public network, and the monitoring system communicates with the first bank server and the second bank server through leased lines respectively. As a result it further ensuring the security of the transaction.

[0081] Example 2

[0082] As shown in Figure 4, an online transaction method provided in an example of the present invention is applied to a client, where the method includes the following steps:

[0083] S401: Generate order information according to the commodity ordered by the buyer, and delivers the order information to the commodity server.

[0084] Specifically, the client obtains the commodity information from the commodity server, generates the order information according to the commodity according to the commodity ordered by the buyer, and delivers it to the commodity server.

[0085] S402: Deliver a Bank Credit Certificate issuing request to the first bank server according to the order information.

[0086] S403, after receiving the payment verification request delivered by the first bank server, the payment check information of the buyer is fed back to the first bank server.

[0087] S404, Delivers the receipt notification to the first bank server after the buyer confirms the receipt.

[0088] Example 3

[0089] As shown in Figure 5, the online transaction method provided by the example of the present invention is applied to a first bank server, and the method includes the following steps:

[0090] S501: After receiving the Bank Credit Certificate issuing request s delivered by the client, a Bank Credit Certificate to be validated is generated.

[0091] S502: acquire the buyer's payment verification information from the client and performs verification. If the verification succeeds, Step S503 is executed, otherwise, the process ends.

[0092] S503, freezing the funds corresponding to the order amount in the buyer's account, updating the status of the Bank Credit Certificate to be valid, and delivering the status to the second bank server.

[0093] S504. After receiving the notified receipt delivered by the client, transfer funds from the buyer's account into the seller's account of the second bank server.

[0094] Example 4

[0095] As shown in Figure 6 and Figure 7, an online transaction system provided in an example of the present invention includes a Client 10, a first bank server 20, a second bank server 30, and a commodity server 40.

[0096] The Client 10 is used to acquire commodity information from the commodity server 40, generate order information according to the commodity ordered by the buyer, and deliver the order information to the commodity server 40; deliver a Bank Credit Certificate issuing request to the first bank server 20 according to the order information; it is also used to deliver a receipt notification to the first bank server 20.

[0097] Wherein, please refer to Figure 7, the online trading device applied to the Client 10 includes the following modules:

[0098] The order delivery module 101 is used to generate the order information according to the commodity o that the buyer has reserved, and delivers it to the commodity server 40;

[0099] Opening certificate 102 requesting module is used to deliver a bank credit certificate issuing request to the first bank server 20 according to the order information;

[0100] The verification information delivery module 103 is set to provide the payment verification information to the first bank server 20 after receiving the payment verification information delivered by the first bank server 20;

[0101] The received notification module 104 is used to deliver a receipt notification to the first bank server 20 after the buyer confirms the receipt.

[0102] The first bank server 20 is used to generate a Bank Credit Certificate to be validated after receiving a Bank Credit Certificate issuing request, acquire the buyer's payment verification information from the Client 10, and perform verification, and if the verification is successful, freeze the funds of the order amount in the buyer's account and updating the status of the Bank Credit Certificate into effect, and delivered to the second bank server 30;
after receiving the notification delivered by the client, the funds frozen by the buyer's account are transferred to the seller's account of the second bank server 30.

[0103] Please refer to Figure 7, the online transaction device applied to the first bank server 20 includes the following modules:

[0104] The first receiving module 201 is used to receive a Bank Credit Certificate issuing request delivered by the Client 10 and a received notification delivered by the Client 10;

[0105] The Bank Credit Certificate generating module 202 is used to generate a Bank Credit Certificate to be validated after receiving a Bank Credit Certificate issuing request delivered by the Client 10;

[0106] The verification module 203 is used to acquire the buyer's payment verification information from the Client 10 according to the Bank Credit Certificate to be validated, and verify the payment verification information;

[0107] The freezing module 204 is used to: if the verification is passed, freeze the funds corresponding to the order amount in the buyer's account, update the status of the Bank Credit Certificate to be valid and deliver the status to the second bank serve 30;

[0108] The money transfer module 205 is set up to transfer the funds frozen to the buyer's account to the seller's account of the second bank server 30 after receiving the received notification delivered by the Client 10.

[0109] In order to prevent the buyer does not confirm receipt of commodity after receiving the commodity, and the money transfer module 205 is also used: If the first bank server does not receive the received notification delivered by the client within the preset time, then after a preset time, the funds frozen by the buyer's account are transferred to the seller's account of the second bank server.

[0110] The second bank server 30 is used to receive the valid Bank Credit Certificate, updates the status of the Bank Credit Certificate to the received certificate and delivers the received credit notification to the commodity server 40.

[0111] Please refer to Figure 7, the online transaction device applied to the second bank server 30 includes the following modules:

[0112] The second receiving module 301 is used to receive an effective Bank Credit Certificate and update the status of the Bank Credit Certificate to a received certificate.

[0113] The received card notification 302 is set to deliver the received card notification to the commodity server 40.

[0114] The commodity server 40 is used to receive the order information delivered by the Client 10; after receiving the received card notification delivered by the second bank server 30, notify the seller deliver the commodity.

[0115] Please refer to Figure 7, the online trading device applied to the commodity server 40 includes the following modules:

[0116] The third receiving module 401 is used to receive the order information delivered by the Client 10 and the received card notification delivered by the second bank server 30.

[0117] The delivery notification module 402 is used to notify the seller to deliver the commodity after receiving the received card notification delivered by the second bank server 30.

[0118] The monitoring server 50 is used to collect data delivered by the data deliverer and data received by the data receiver at the same time during the data transmission, and verify the consistency of the delivered data and the received data. When the Client 10, the first bank server 20, the second bank server 30 or the commodity server 40 is the data deliverer when delivering data, the Client 10, the first bank server 20, the second bank server 30, or the commodity server 40 is the receiver of the data when it is received.

[0119] In the present example, the seller stores the commodity information in the commodity server 40. The buyer communicates with the commodity server 40 through the Client 10, acquires the commodity information from the commodity server 40, and selects the commodity that needs to be purchased. The Client 10 generates order information according to the commodity information selected by the buyer, and submits the order information to the commodity server 40. Wherein, commodity include tangible physical commodity and intangible services. Product information includes the price of commodity, parameters and other information. The commodity server 40 may be a commercial computer server or a seller's own computer server. The Client 10 is a communication terminal operated by a buyer, including but not limited to a terminal device such as a mobile phone, a tablet, a computer and so on. The first bank server 20 refers to the bank server where the buyer's bank account is located and the second bank server 30 refers to the bank server where the seller's bank account is located. The first bank server 20 and the second bank server 30 may be servers of the same bank (i.e. the buyer and the seller's bank account are same), may also be different bank server (that is, the buyer and the seller's bank are not at the same time). Bank Credit Certificate is an electronic certificate that a bank promises to pay for. It can be understood as an electronic data that can be stored in a computer system and transmitted over the Internet.

[0120] Wherein, the monitoring server 50 is a two-track verification mechanism that is set to prevent data from being tampered with during communications. In some examples, it may be omitted.

[0121] With the online trading system of this example, transaction funds and transaction information in the transaction process are not transferred to a third-party payment platform, and the status of the transaction is monitored in real time by generating a Bank Credit Certificate, so that there is no deviation between the time of capital flow and the actual transaction time, so that the effective delivery of cash flow can effectively reduce the financial risk and improve the security of transaction information.

[0122] As a preferred example, in order to prevent the transaction information from being stolen, when the Client 10, the first bank server 20, the second bank server 30 and the commodity server 40 are also used to: when delivering data and receiving data, the digital envelope technology is used to transmit the communication data safely. Thereby further enhancing the security of data transmission and ensuring the security of transactions.

[0123] When the Client 10, the first bank server 20, the second bank server 30 and the commodity server 40 serve as data delivering parties, it also used to generate a symmetric key and encrypt the communication data by using a symmetric key to form a first ciphertext; using the public key of the data receiver to encrypt the symmetric key to form a second ciphertext; signing the first ciphertext and the second ciphertext separately by using its own private key and delivering it to the data receiver.

[0124] In order to further prevent the symmetric key from being stolen, each time the data deliverer delivers data; a symmetric key is randomly generated to achieve the dynamic anti-counterfeiting effect. When encrypting the communication data, the data deliverer preferably encrypts the communication data by using the symmetric key to form the first ciphertext.

[0125] When the Client 10, the first bank server 20, the second bank server 30 and the commodity server 40 serve as data delivering parties, it is also used to:

[0126] After receiving the first ciphertext and the second ciphertext, the signature of the first ciphertext and the second ciphertext are verified by using the public key of the deliverer of the data; when the verification is passed, the symmetric key is obtained by using its own private key to decrypt the second ciphertext, and the communication data is obtained by using the symmetric key to decrypt the first ciphertext.

[0127] In some examples, the data deliverer may not sign the first ciphertext and the second ciphertext, and the corresponding data receiver does not need to perform signature verification on the first ciphertext and the second ciphertext.

[0128] As another preferred example, in order to balance the convenience of communication and ensure data security, a combination of two networks is also used in this example. That is, the Client 10, the first bank server 20, the second bank server 30 and the commodity server 40 communicate with each other through the public network. The monitoring server 50 communicates with the first bank server 20 and the second bank server 30 respectively through leased lines.

[0129] It is important to note that the technical features of the above-described method in example is applicable in the present system and is not need to repeated here.

[0130] 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.

[0131] 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.

[0132] 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. It will be apparent to those skilled in the field that various modifications, equivalents, and improvements may be made without departing from the scope and spirit of the invention.
Industrial utility

[0133] The online transaction method, device and system of the present invention delivers the issuing request through the first bank server (buyer's bank) to the client and delivers the receipt notification to the first bank server (buyer's bank). The completion of the transaction in the interaction between buyers and sellers and their bank accounts, the transaction process of transaction funds and transaction information did not go to third-party payment platform, and the transaction status is monitored in real time by generating Bank Credit Certificate, so that there is no deviation between funds flow and actual transaction, so that the effective flow of funds for delivery of first-hand commodity and it can effectively reduce the risk of funds and improve the security of the transaction. In Date Recue/Date Received 2020-06-23 addition, the use of digital envelopes and dynamic anti-counterfeiting technology for secure transmission of communication data to ensure the safety of communication data;
the use of double-track check to prevent data from being tampered with technology; the two networks are used to balance the convenience and security of communication. In addition, the use of digital envelopes and dynamic anti-counterfeiting technology for secure transmission of communication data to ensure the safety of communication data;
the use of double-track check to prevent data from being tampered with technology; the two networks are used to balance the convenience and security of communication.

Date Recue/Date Received 2020-06-23

Claims

Claims:

1. A computer system for online transaction, the system comprising:
a client device configured to:
deliver a request for issuing Bank Credit Certificate to a buyer's bank server according to order information for commodity, after generating and delivering the order information according to commodity ordered by a buyer to a commodity server;
submit buyer's payment verification infomiation inputted by the buyer on a payment page to the buyer's bank server, when receiving a request for payment verification delivered by the buyer's bank server; and detennine that the buyer has received the commodity and deliver a receipt notification for commodity delivery to the buyer's bank server, to enable the buyer's bank server to transfer an amount of funds for the commodity from a buyer's account to a seller's account on a seller's bank server;
the buyer's bank server configured to:
generate a to-be-validated Bank Credit Certificate according to the request for issuing Bank Credit Certificate to deliver the request for payment verification to the client device, wherein the Bank Credit Certificate is generated for monitoring transaction status in real time so as to keep time of fund flow in sync with actual transaction time;
Date Recue/Date Received 2022-06-08 freeze an amount of funds in a buyer's account corresponding to an amount of funds in the order information, to update the status of the Bank Credit Certificate to a validated status, when a dynamic verification process has been successful completed based on the buyer's payment verification information inputted by the client device on the payment page;
deliver the validated status for the Bank Credit Certificate to a seller's bank server, to enable the seller's bank server to notify the commodity server for the commodity delivery according to the order infonnation; and unfreeze the frozen amount of funds in the buyer's account to transfer the amount of funds to the seller's account through the seller's bank server, after receiving the receipt notification for commodity delivery from the client device, wherein the amount of funds corresponds to the Bank Credit Certificate;
the seller's bank server configured to:
update a validated status of the Bank Credit Certificate to a received status, to deliver a notification for receiving the Bank Credit Certificate to the commodity server, to enable the commodity server to notify for the commodity delivery;
the commodity server configured to:
receive the order information delivered by the client device and the notification for receiving the Bank Credit Certificate by the seller's bank server; and notify a seller for delivering the commodity according to the notification for receiving the Bank Credit Certificate;

Date Recue/Date Received 2022-06-08 wherein the order information, the request for issuing Bank Credit Certificate, the buyer's payment verification information, the request for payment verification, the receipt notification for commodity delivery, the validated status for the Bank Credit Certificate, the amount of funds and the notification for receiving the Bank Credit Certificate are communicative data transmitted via digital envelopes;
a monitoring server configured to simultaneously collect communicative data delivered by a data deliverer and the communicative data received by a data receiver to verify the consistency of the transmitted data and the received data in a data transmission process, wherein the monitoring server is communicatively connected with the client device, the commodity server, the buyer's bank server and the seller's bank server.

2. The system of claim 1, wherein the Bank Credit Certificate is configured as data that may be stored in a computer system and transmitted via the Internet.

3. The system of claim 1, wherein the client device is configured to transmit the communicative data to the buyer's bank server and the commodity server respectively via the digital envelopes for data security.

4. The system of claim 1, wherein the buyer's bank server is configured to transmit the communicative data to the client device and the seller's bank server respectively via the digital envelopes for data security.

5. The system of claim 1, wherein the seller's bank server is configured to transmit the communicative data to the commodity server and the buyer's bank server respectively via the digital envelopes for data security.

6. The system of claim 1, wherein the commodity server is configured to transmit the communicative data to the client device and the seller's bank server respectively via the digital envelopes for data security.

Date Recue/Date Received 2022-06-08

7. The system of any one of claims 1 to 6, wherein transmitting the communicative data via the digital envelopes for data security further includes a data sender.

8. The system of claim 7, wherein the data sender is configured to:
generate a symmetric key and enclypt the communicative data by using the symmetric key to form a first ciphertext, as well as by using a public key of the data receiver to encrypt the symmetric key to form a second ciphertext; and deliver the first ciphertext and the second ciphertext to a data receiver.

9. The system of any one of claims 1 to 7, wherein transmitting the communicative data via the digital envelopes for data security further includes a data receiver.

10. The system of claim 9, wherein the data receiver is configured to:
decrypt the second ciphertext by using an owned private key to obtain the symmetric key;
and decrypt the first ciphertext by using the symmetric key to obtain the communicative data.

11. The system of any one of claims 7 to 10, wherein the data deliverer is further configured to sign digitally the first ciphertext and the second ciphertext respectively by using the own private key.

12. The system of any one of claims 7 to 11, wherein the data receiver is further configured to verify the first ciphertext and the second ciphertext with the digital signs respectively by using the public key from the data deliverer.

13. The system of any one of claims 7 to 12, wherein the data sender is further configured to randomly generate the symmetric key dynamically.

Date Recue/Date Received 2022-06-08

14. The system of any one of claims 7 to 13, wherein the data sender is further configured to encrypt the communicative data by using the symmetric key based on Advanced Encryption Standard (AES) algorithm to form the first ciphertext.

15. The system of any one of claims 1 to 14, wherein the client device is configured as the data sender when sending the communicative data.

16. The system of any one of claims 1 to 14, wherein the commodity server is configured as the data sender when sending the communicative data.

17. The system of any one of claims 1 to 14, wherein the buyer's bank server is configured as the data sender when sending the communicative data.

18. The system of any one of claims 1 to 14, wherein the seller's bank server is configured as the data sender when sending the communicative data.

19. The system of any one of claims 1 to 18, wherein the client device is configured as the data receiver when receiving the communicative data.

20. The system of any one of claims 1 to 19, wherein the commodity server is configured as the data receiver when receiving the communicative data.

21. The system of any one of claims 1 to 19, wherein the buyer's bank server is configured as the data receiver when receiving the communicative data.

22. The system of any one of claims 1 to 19, wherein the seller's bank server is configured as the data receiver when receiving the communicative data.

Date Recue/Date Received 2022-06-08

23. The system of any one of claims 1 to 19, wherein the communicative data is transmitted among the client device, the commodity server, the buyer's bank server and the seller's bank server through a public network.

24. The system of any one of claims 1 to 19, wherein the communicative data is transmitted between the monitoring server and the buyer's bank server and the seller's bank server respectively via dedicated line communication.

25. The system of any one of claims 1 to 24, wherein the buyer's bank server is configured to transfer the frozen amount of funds to a seller's account through the seller's bank server beyond the pre-set delivery period, when the buyer's bank server fails to receive the receipt confirmation notification for the commodity delivery from the client device within a pre-set delivery period.

26. The system of any one of claims 1 to 25, wherein the buyer's bank server is configured a computer server corresponding to the buyer's bank account.

27. The system of any one of claims 1 to 25, wherein the seller's bank server is configured a computer server corresponding to the seller's bank account.

28. The system of any one of claims 1 to 27, wherein the seller's bank server may be the same with the buyer's bank server.

29. The system of any one of claims 1 to 27, wherein the seller's bank server may be different from the buyer's bank server.

30. The system of any one of claims 1 to 29, wherein the payment verification information may be a webpage for payment.

31. The system of claim 30, wherein the webpage for payment is configured to be inputted verification information by the buyer via the client device.
Date Recue/Date Received 2022-06-08

32. The system of any one of claims 30 to 31, wherein the verification information includes buyer's bank account number.

33. The system of any one of claims 30 to 32, wherein the verification information includes password of the buyer's bank account.

34. The system of any one of claims 30 to 33, wherein the verification information includes verification code.

35. The system of any one of claims 30 to 34, wherein the verification information includes expiration date.

36. The system of any one of claims 30 to 35, wherein the webpage for payment is configured to be inputted payment amount by the buyer via the client device.

37. A computer implemented method for online transaction, the method comprising:
a client device delivers a request for issuing Bank Credit Certificate to a buyer's bank server according to order information for commodity, after generating and delivering the order information according to commodity ordered by a buyer to a commodity server;
the buyer's bank server generates a to-be-validated Bank Credit Certificate according to the request for issuing Bank Credit Certificate to deliver a request for payment verification to the client device, wherein the Bank Credit Certificate is generated for monitoring transaction status in real time so as to keep time of fund flow in sync with actual transaction time;
the client device submits buyer's payment verification information inputted by the buyer on a payment page to the buyer's bank server, when receiving the request for payment verification delivered by the buyer's bank server;

Date Recue/Date Received 2022-06-08 the buyer's bank server freezes an amount of funds in a buyer's account corresponding to an amount of funds in the order information, to update status of the Bank Credit Certificate to a validated status, when a dynamic verification process has been successful completed based on the buyer's payment verification information inputted by the client device on the payment page;
the buyer's bank server delivers a validated status for the Bank Credit Certificate to a seller's bank server, to enable the seller's bank server to notify the commodity server for commodity delivery according to the order information;
the seller's bank server updates the validated status of the Bank Credit Certificate to a received status, to deliver a notification for receiving the Bank Credit Certificate to the commodity server, to enable the commodity server to notify for the commodity delivery;
the client device determines that the buyer has received the commodity and delivers a receipt notification for commodity delivery to the buyer's bank server, to enable the buyer's bank server to transfer an amount of funds for the commodity from a buyer's account to a seller's account on a seller's bank server;
the buyer's bank server unfreezes the frozen amount of funds in the buyer's account to transfer the amount of funds to the seller's account through the seller's bank server, after receiving the receipt notification for commodity delivery from the client device, wherein the amount of funds corresponds to the Bank Credit Certificate; and wherein the order information, the request for issuing Bank Credit Certificate, the buyer's payment verification information, the request for payment verification, the receipt notification for commodity delivery, the validated status for the Bank Credit Certificate, the amount of funds and the notification for receiving the Bank Credit Certificate are communicative data transmitted via digital envelopes;

Date Recue/Date Received 2022-06-08 a monitoring server simultaneously collects communicative data delivered by a data deliverer and the communicative data received by a data receiver to verify the consistency of the transmitted data and the received data in a data transmission process, wherein the monitoring server is communicatively connected with the client device, the commodity server, the buyer's bank server and the seller's bank server.

38. The method of claim 37, wherein the Bank Credit Certificate is configured as data that may be stored in a computer system and transmitted via the Internet.

39. The method of claim 37 further includes that the client device transmits the communicative data to the buyer's bank server and the commodity server respectively via the digital envelopes for data security.

40. The method of claim 37 further includes that the buyer's bank server transmits the communicative data to the client device and the seller's bank server respectively via the digital envelopes for data security.

41. The method of claim 37 further includes that the seller's bank server transmits the communicative data to the commodity server and the buyer's bank server respectively via the digital envelopes for data security.

42. The method of claim 37 further includes that the commodity server transmits the communicative data to the seller's bank server and the client device respectively via the digital envelopes for data security.

43. The method of any one of claims 37 to 42, wherein transmitting the communicative data via the digital envelopes for data security further includes that Date Recue/Date Received 2022-06-08 a data sender generates a symmetric key and encrypts the communicative data by using the symmetric key to form a first ciphertext, as well as by using a public key of the data receiver to enclypt the symmetric key to form a second ciphertext, then the data sender delivers the first ciphertext and the second ciphertext to a data receiver;
and the data receiver decrypts the second ciphertext by using an owned private key to obtain the symmetric key and decrypts the first ciphertext by using the symmetric key to obtain the communicative data.

44. The method of claim 43 further includes that the data deliverer signs digitally the first ciphertext and the second ciphertext respectively by using the own private key; and the data receiver verifies the first ciphertext and the second ciphertext with the digital signs respectively by using the public key from the data deliverer.

45. The method of claim 43, wherein the data sender randomly generates the symmetric key dynamically.

46. The method of claim 43, wherein the data sender encrypts the communicative data by using the symmetric key based on Advanced Encryption Standard (AES) algorithm to fonn the first ciphertext.

47. The method of any one of claims 37 to 46, wherein the client device is configured as the data sender when sending the communicative data.

48. The method of any one of claims 37 to 46, wherein the commodity server is configured as the data sender when sending the communicative data.

Date Recue/Date Received 2022-06-08

49. The method of any one of claims 37 to 46, wherein the buyer's bank server is configured as the data sender when sending the communicative data.

50. The method of any one of claims 37 to 46, wherein the seller's bank server is configured as the data sender when sending the communicative data.

51. The method of any one of claims 37 to 50, wherein the client device is configured as the data receiver when receiving the communicative data.

52. The method of any one of claims 37 to 50, wherein the commodity server is configured as the data receiver when receiving the communicative data.

53. The method of any one of claims 37 to 50, wherein the buyer's bank server is configured as the data receiver when receiving the communicative data.

54. The method of any one of claims 37 to 50, wherein the seller's bank server is configured as the data receiver when receiving the communicative data.

55. The method of any one of claims 37 to 54, wherein the communicative data is transmitted among the client device, the commodity server, the buyer's bank server and the seller's bank server through a public network.

56. The method of any one of claims 37 to 55, wherein the communicative data is transmitted between the monitoring server and the buyer's bank server and the seller's bank server respectively via dedicated line communication.

57. The method of any one of claims 37 to 56 further includes that the buyer's bank server transfers the frozen amount of funds to a seller's account through the seller's bank server beyond the pre-set delivery period, when the buyer's bank server fails to receive the receipt confirmation notification for the commodity delivery from the client device within a pre-set delivery period.
Date Recue/Date Received 2022-06-08

58. The method of any one of claims 37 to 57, wherein the buyer's bank server is configured a computer server corresponding to the buyer's bank account.

59. The method of any one of claims 37 to 57, wherein the seller's bank server is configured a computer server corresponding to the seller's bank account.

60. The method of any one of claims 37 to 59, wherein the seller's bank server may be the same with the buyer's bank server.

61. The method of any one of claims 37 to 59, wherein the seller's bank server may be different from the buyer's bank server.

62. The method of any one of claims 37 to 61, wherein the payment verification infonnation may be a webpage for payment.

63. The method of claim 62, wherein the webpage for payment is configured to be inputted verification infonnation by the buyer via the client device.

64. The method of any one of claims 62 to 63, wherein the verification information includes buyer's bank account number.

65. The method of any one of claims 62 to 64, wherein the verification information includes password of the buyer's bank account.

66. The method of any one of claims 62 to 65, wherein the verification information includes verification code.

67. The method of any one of claims 62 to 66, wherein the verification information includes expiration date.

Date Recue/Date Received 2022-06-08

68. The method of any one of claims 62 to 67, wherein the webpage for payment is configured to be inputted payment amount by the buyer via the client device.

69. A computer implemented method for online transaction, applied in a client device, the method comprising:
delivering a request for issuing Bank Credit Certificate to a buyer's bank server according to order information for commodity, after generating and delivering the order infonnation according to commodity ordered by a buyer to a commodity server;
submitting buyer's payment verification infonnation inputted by the buyer on a payment page to the buyer's bank server, when receiving a request for payment verification delivered by the buyer's bank server; and determining that the buyer has received the commodity and deliver a receipt notification for commodity delivery to the buyer's bank server, to enable the buyer's bank server to transfer an amount of funds for the commodity from a buyer's account to a seller's account on a seller's bank server;
wherein the order information, the request for issuing Bank Credit Certificate, the buyer's payment verification information, the request for payment verification, the receipt notification for commodity delivery are communicative data transmitted via digital envelopes, wherein the communicative data is collected simultaneously by a monitoring server to verify the consistency of the transmitted data and the received data in a data transmission process, wherein the monitoring server is communicatively connected with the client device, the commodity server, the buyer's bank server and the seller's bank server.

Date Recue/Date Received 2022-06-08

70. The method of claim 69, wherein the Bank Credit Certificate is configured as data that may be stored in a computer system and transmitted via the Internet.

71. The method of claim 69 further includes transmitting the communicative data to the commodity server and the buyer's bank server respectively the via digital envelopes for data security.

72. The method of claim 70, wherein transmitting the communicative data via the digital envelopes for data security further includes that a data sender generates a symmetric key and encrypts the communicative data by using the symmetric key to form a first ciphertext, as well as by using a public key of the data receiver to encrypt the symmetric key to form a second ciphertext, then the data sender delivers the first ciphertext and the second ciphertext to a data receiver;
and the data receiver decrypts the second ciphertext by using an owned private key to obtain the symmetric key and decrypts the first ciphertext by using the symmetric key to obtain the communicative data.

73. The method of claim 72 further includes that the data deliverer signs digitally the first ciphertext and the second ciphertext respectively by using the own private key; and the data receiver verifies the first ciphertext and the second ciphertext with the digital signs respectively by using the public key from the data deliverer.

74. The method of claim 72, wherein the data sender randomly generates the symmetric key dynamically.

75. The method of claim 72, wherein the data sender encrypts the communicative data by using the symmetric key based on Advanced Encryption Standard (AES) algorithm to fonn the first ciphertext.

76. The method of any one of claims 70 to 75, wherein the commodity bank server is configured as the data receiver when receiving the communicative data.

77. The method of any one of claims 70 to 75, wherein the buyer's bank server is configured as the data receiver when receiving the communicative data.

78. The method of any one of claims 70 to 75, wherein the buyer's bank server is configured as the data sender when sending the communicative data.

79. The method of any one of claims 70 to 78, wherein the communicative data is transmitted among the client device, the commodity server, the buyer's bank server and a seller's bank server through a public network.

80. The method of any one of claims 70 to 79, wherein the communicative data is transmitted between a monitoring server and the buyer's bank server and the seller's bank server respectively via dedicated line communication.

81. The method of any one of claims 69 to 80, wherein the seller's bank server is configured a computer server corresponding to the seller's bank account.

82. The method of any one of claims 69 to 81, wherein the seller's bank server may be the same with the buyer's bank server.

83. The method of any one of claims 69 to 81, wherein the seller's bank server may be different from the buyer's bank server.

Date Recue/Date Received 2022-06-08

84. A computer implemented method for online transaction, applied in a buyer's bank server, the method comprising:
generating a to-be-validated Bank Credit Certificate according to a request for issuing Bank Credit Certificate to deliver a request for payment verification to a client device, wherein the Bank Credit Certificate is generated for monitoring transaction status in real time so as to keep time of fund flow in sync with actual transaction time;
freezing an amount of funds in a buyer's account corresponding to an amount of funds in order information, to update status of the Bank Credit Certificate to a validated status, when a dynamic verification process has been successful completed based on buyer's payment verification information inputted by a client device on a payment page;
delivering the validated status for the Bank Credit Certificate to a seller's bank server, to enable the seller's bank server to notify a commodity server for the commodity delivery according to the order information; and unfreezing the frozen amount of funds in a buyer's account to transfer the amount of funds to a seller's account through the seller's bank server, after receiving a receipt notification for the commodity delivery from the client device, wherein the amount of funds corresponds to the Bank Credit Certificate;
wherein the order information, the request for issuing Bank Credit Certificate, the buyer's payment verification information, the request for payment verification, the receipt notification for commodity delivery, the validated status for the Bank Credit Certificate and the amount of funds are communicative data transmitted via digital envelopes, wherein the communicative data is collected simultaneously by a monitoring server to verify the consistency of the transmitted data and the received data in a data transmission process, wherein the monitoring server is communicatively connected with the client device, the commodity server, the buyer's bank server and the seller's bank server.

85. The method of claim 84, wherein the Bank Credit Certificate is configured as data that may be stored in a computer system and transmitted via the Internet.

86. The method of claim 84 further includes transmitting the communicative data to the client device and the seller's bank server respectively via the digital envelopes for data security.

87. The method of claim 85, wherein transmitting the communicative data via the digital envelopes for data security further includes that a data sender generates a symmetric key and encrypts the communicative data by using the symmetric key to form a first ciphertext, as well as by using a public key of the data receiver to encrypt the symmetric key to form a second ciphertext, then the data sender delivers the first ciphertext and the second ciphertext to a data receiver;
and the data receiver decrypts the second ciphertext by using an owned private key to obtain the symmetric key and decrypts the first ciphertext by using the symmetric key to obtain the communicative data.

88. The method of claim 87 further includes that the data deliverer signs digitally the first ciphertext and the second ciphertext respectively by using the own private key; and the data receiver verifies the first ciphertext and the second ciphertext with the digital signs respectively by using the public key from the data deliverer.

89. The method of claim 87, wherein the data sender randomly generates the symmetric key dynamically.

Date Recue/Date Received 2022-06-08

90. The method of claim 87, wherein the data sender encrypts the communicative data by using the symmetric key based on Advanced Encryption Standard (AES) algorithm to fonn the first ciphertext.

91. The method of any one of claims 84 to 90, wherein the client device is configured as the data sender when sending the communicative data.

92. The method of any one of claims 84 to 90, wherein the buyer's bank server is configured as the data sender when sending the communicative data.

93. The method of any one of claims 84 to 90, wherein the buyer's bank server is configured as the data receiver when receiving the communicative data.

94. The method of any one of claims 84 to 90, wherein the seller's bank server is configured as the data sender when sending the communicative data.

95. The method of any one of claims 84 to 90, wherein the seller's bank server is configured as the data receiver when receiving the communicative data.

96. The method of any one of claims 85 to 95, wherein the communicative data is transmitted among the client device, the buyer's bank server and the seller's bank server through a public network.

97. The method of any one of claims 85 to 96, wherein the communicative data is transmitted between a monitoring server and the buyer's bank server and the seller's bank server respectively via dedicated line communication.

98. The method of any one of claims 84 to 97, wherein the buyer's bank server is configured a computer server corresponding to the buyer's bank account.

Date Recue/Date Received 2022-06-08

99. The method of any one of claims 84 to 97, wherein the seller's bank server is configured a computer server corresponding to the seller's bank account.

100.The method of any one of claims 84 to 99, wherein the seller's bank server may be the same with the buyer's bank server.

101.The method of any one of claims 84 to 99, wherein the seller's bank server may be different from the buyer's bank server.

102.The method of any one of claims 84 to 101, wherein the payment verification infomiation may be a webpage for payment.

103.The method of claim 102, wherein the webpage for payment is configured to be inputted verification infomiation by the buyer via the client device.

104.The method of any one of claims 102 to 103, wherein the verification information includes buyer's bank account number.

105.The method of any one of claims 84 to 104, wherein the verification information includes password of the buyer's bank account.

106.The method of any one of claims 84 to 105, wherein the verification information includes verification code.

107.The method of any one of claims 84 to 106, wherein the verification information includes expiration date.

108. The method of any one of claims 84 to 107, wherein the webpage for payment is configured to be inputted payment amount by the buyer via the client device.

Date Recue/Date Received 2022-06-08

109.A computer implemented device for online transaction, applied in a client device, the device comprising:
an order delivery module configured to generate and deliver order information according to commodity ordered by a buyer to a commodity server; and a Bank Credit Certificate requesting module configured to deliver a request for issuing Bank Credit Certificate to a buyer's bank server according to the order information;
a verification information delivery module is configured to submit buyer's payment verification information inputted by the buyer on a payment page to the buyer's bank server, when receiving a request for payment verification delivered by the buyer's bank server; and a receipt notification module configured to determine that the buyer has received the commodity and deliver a receipt notification for commodity delivery to the buyer's bank server; and wherein the order information, the request for issuing Bank Credit Certificate, the buyer's payment verification information, the request for payment verification, the receipt notification for commodity delivery are communicative data transmitted via digital envelopes, wherein the communicative data is collected simultaneously by a monitoring server to verify the consistency of the transmitted data and the received data in a data transmission process, wherein the monitoring server is communicatively connected with the client device, the commodity server, the buyer's bank server and the seller's bank server.

110.The device of claim 109, wherein the Bank Credit Certificate is configured as data that may be stored in a computer system and transmitted via the Internet.

Date Recue/Date Received 2022-06-08

111.The device of claim 109, wherein the order delivery module is further configured to transmit the communicative data with the commodity server via the digital envelopes for data security.

112.The device of claim 109, wherein the receipt notification module is further configured to transmit the communicative data with the client device via the digital envelopes for data security.

113.The device of claim 109, wherein the Bank Credit Certificate requesting module is further configured to transmit the communicative data with the buyer's bank server via the digital envelopes for data security.

114.The device of claim 109, wherein the verification information delivery module is further configured to transmit the communicative data with the buyer's bank server via the digital envelopes for data security.

115.The device of any one of claims 110 to 114, wherein transmitting the communicative data via the digital envelopes for data security further includes that a data sender generates a symmetric key and encrypts the communicative data by using the symmetric key to form a first ciphertext, as well as by using a public key of the data receiver to encrypt the symmetric key to form a second ciphertext, then the data sender delivers the first ciphertext and the second ciphertext to a data receiver;
and the data receiver decrypts the second ciphertext by using an owned private key to obtain the symmetric key and decrypts the first ciphertext by using the symmetric key to obtain the communicative data.

116.The device of claim 115 further includes that Date Recue/Date Received 2022-06-08 the data deliverer signs digitally the first ciphertext and the second ciphertext respectively by using the own private key; and the data receiver verifies the first ciphertext and the second ciphertext with the digital signs respectively by using the public key from the data deliverer.

117.The device of claim 115, wherein the data sender randomly generates the symmetric key dynamically.

118.The device of claim 115, wherein the data sender encrypts the communicative data by using the symmetric key based on Advanced Encryption Standard (AES) algorithm to fonn the first ciphertext.

119.The device of any one of claims 109 to 118, wherein the buyer' s bank server is configured as the data receiver when receiving the communicative data.

120.The device of any one of claims 109 to 118, wherein the buyer's bank server is configured as the data sender when sending the communicative data.

121.The device of any one of claims 109 to 118, wherein the commodity server is configured as the data receiver when receiving the communicative data.

122.The device of any one of claims 109 to 121, wherein the communicative data is transmitted among the client device, the commodity server, the buyer's bank server and a seller's bank server through a public network.

123.The device of any one of claims 109 to 121, wherein the communicative data is transmitted between a monitoring server and the buyer's bank server and the seller's bank server respectively via dedicated line communication.

124.The device of any one of claims 109 to 123, wherein the seller's bank server is configured a computer server corresponding to the seller's bank account.

125.The device of any one of claims 109 to 124, wherein the seller's bank server may be the same with the buyer's bank server.

126.The device of any one of claims 109 to 124, wherein the seller's bank server may be different from the buyer's bank server.

127.A computer implemented device for online transaction, applied in a buyer's bank server, the device comprising:
a first receiving module configured to:
receive a request for issuing Bank Credit Certificate delivered by a client device;
receive buyer's payment verification information from a client device, wherein the payment verification information is inputted on a payment page; and receive a receipt notification for commodity delivery from the client device;
a Bank Credit Certificate generating module configured to generate a to-be-validated Bank Credit Certificate according to a request for issuing Bank Credit Certificate;
a verification module configured to:
deliver a request for payment verification to the client device, wherein the Bank Credit Certificate is generated for monitoring transaction status in real time so as to keep time of fund flow in sync with actual transaction time; and perform a dynamic verification process based on the buyer's payment verification information inputted by the client device on the payment page;

Date Recue/Date Received 2022-06-08 a freezing module configured to:
freeze an amount of funds in a buyer's account corresponding to an amount of funds in the order information when the verification process is passed; and update status of the Bank Credit Certificate to a validated status and delivering the validated status for the Bank Credit Certificate to a seller's bank server;
and a money transfer module configured to unfreeze the frozen amount of funds in a buyer's account to transfer the amount of funds to a seller's account through a seller's bank server, after receiving the receipt notification for commodity delivery from the client device;
wherein the order information, the request for issuing Bank Credit Certificate, the buyer's payment verification information, the request for payment verification, the receipt notification for commodity delivery, the validated status for the Bank Credit Certificate and the amount of funds are communicative data transmitted via digital envelopes, wherein the communicative data is collected simultaneously by a monitoring server to verify the consistency of the transmitted data and the received data in a data transmission process, wherein the monitoring server is communicatively connected with the client device, the commodity server, the buyer's bank server and the seller's bank server.

128.The device of claim 127, wherein the Bank Credit Certificate is configured as data that may be stored in a computer system and transmitted via the Internet.

129.The device of claim 127, wherein the first receiving module is further configured to transmit the communicative data with the client device via the digital envelopes for data security.

Date Recue/Date Received 2022-06-08

130.The device of claim 127, wherein the verification module is further configured to transmit the communicative data with the client device via the digital envelopes for data security.

131.The device of claim 127, wherein the freezing module is further configured to transmit the communicative data with the seller's bank server via the digital envelopes for data security.

132.The device of claim 127, wherein the money transfer module is further configured to transmit the communicative data with the client device and the seller's bank server via the digital envelopes for data security.

133.The device of any one of claims 128 to 132, wherein transmitting the communicative data via the digital envelopes for data security further includes that a data sender generates a symmetric key and encrypts the communicative data by using the symmetric key to form a first ciphertext, as well as by using a public key of the data receiver to encrypt the symmetric key to form a second ciphertext, then the data sender delivers the first ciphertext and the second ciphertext to a data receiver;
and the data receiver decrypts the second ciphertext by using an owned private key to obtain the symmetric key and decrypts the first ciphertext by using the symmetric key to obtain the communicative data.

134.The device of claim 133 further includes that the data deliverer signs digitally the first ciphertext and the second ciphertext respectively by using the own private key; and the data receiver verifies the first ciphertext and the second ciphertext with the digital signs respectively by using the public key from the data deliverer.

Date Recue/Date Received 2022-06-08

135.The device of claim 133, wherein the data sender randomly generates the symmetric key dynamically.

136.The device of claim 133 wherein the data sender encrypts the communicative data by using the symmetric key based on Advanced Encryption Standard (AES) algorithm to fonn the first ciphertext.

137.The device of any one of claims 127 to 136, wherein the client device is configured as the data sender when sending the communicative data.

138.The device of any one of claims 127 to 136, wherein the client device is configured as the data receiver when receiving the communicative data.

139.The device of any one of claims 127 to 136, wherein the buyer's bank server is configured as the data sender when sending the communicative data.

140.The device of any one of claims 127 to 136, wherein the buyer's bank server is configured as the data receiver when receiving the communicative data.

141.The device of any one of claims 127 to 136, wherein the seller's bank server is configured as the data sender when sending the communicative data.

142.The device of any one of claims 127 to 136, wherein the seller's bank server is configured as the data receiver when receiving the communicative data.

143.The device of any one of claims 127 to 142, wherein the communicative data is transmitted among the client device, a commodity server, the buyer's bank server and the seller's bank server through a public network.
Date Recue/Date Received 2022-06-08

144.The device of any one of claims 127 to 142, wherein the communicative data is transmitted between a monitoring server and the buyer's bank server and the seller's bank server respectively via dedicated line communication.

145.The device of any one of claims 127 to 144, wherein the buyer's bank server is configured a computer server corresponding to the buyer's bank account.

146.The device of any one of claims 127 to 145, wherein the seller's bank server is configured a computer server corresponding to the seller's bank account.

147.The device of any one of claims 127 to 146, wherein the seller's bank server may be the same with the buyer's bank server.

148.The device of any one of claims 127 to 146, wherein the seller's bank server may be different from the buyer's bank server.

149.The device of any one of claims 127 to 148, wherein the payment verification information may be a webpage for payment.

150.The device of claim 149, wherein the webpage for payment is configured to be inputted verification information by the buyer via the client device.

151.The device of any one of claims 149 to 150, wherein the verification information includes buyer's bank account number.

152.The device of any one of claims 127 to 151, wherein the verification information includes password of the buyer's bank account.

153.The device of any one of claims 127 to 152, wherein the verification information includes verification code.

Date Recue/Date Received 2022-06-08

154.The device of any one of claims 127 to 153, wherein the verification information includes expiration date.

155. The device of any one of claims 127 to 154, wherein the webpage for payment is configured to be inputted payment amount by the buyer via the client device.

Date Recue/Date Received 2022-06-08