CA2993252C - Method, system, and device for batch issuing electronic certificates - Google Patents
Method, system, and device for batch issuing electronic certificates Download PDFInfo
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- 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
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Abstract
A method, a system, and a device for batch issuing electronic certificates, wherein a certificate issuing client terminal, on the basis of certificate issuing information inputted by a certificate issuing party, generates a plurality of certificate issuing requests, and sends said certificate issuing requests to a certificate issuing bank server; the certificate issuing information comprises the certificate issuing values and the account information of the certificate issuing account, used for freezing money or expending credit; the certificate issuing bank server, on the basis of the account information of the certificate issuing account, freezes money equivalent to the certificate issuing values in the certificate issuing account or expends credit equivalent to the certificate issuing values in the certificate issuing account, and issues electronic certificates corresponding to the plurality of certificate issuing requests. The present method, system, and device may be used to implement one-time payment and settlement.
Description
Title: Method, System, And Device For Batch Issuing Electronic Certificates Technical Field [0001] This application relates to the technical field of electronic commerce, and in particular to a method, a system and a device for opening electronic certificate in batches
[0002] Background Technology
[0003] With the rise of E-commerce, online electronic payment is more and more popular because of its convenience. At present, in order to reduce the risk, most of the online electronic payment methods exist in the form of third-party payment company guarantee.
Take the case of customers purchasing commodity online for example. In the form of guarantee by a third-party payment company, for the customers of the payment side, the funds have already been paid to the third-party payment company when the commodity is not received. Once the third-party payment company has a problem, the payment of the client's funds will not be guaranteed, therefore, using the form of third-party payment company guarantees, there is still financial risk on the part of the paying client.
Take the case of customers purchasing commodity online for example. In the form of guarantee by a third-party payment company, for the customers of the payment side, the funds have already been paid to the third-party payment company when the commodity is not received. Once the third-party payment company has a problem, the payment of the client's funds will not be guaranteed, therefore, using the form of third-party payment company guarantees, there is still financial risk on the part of the paying client.
[0004] Although, E-commerce using the Internet platform to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the whole transaction process is networked, electronically and informational, thus reducing the cost of the transaction and improving the efficiency of the transaction.
However, in the current E-commerce applications, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment, with a single payment method. Users often need to shop or shop at multiple merchants or E-commerce platforms. Each order carries out payment and settlement separately, more repetitive actions, consumes a large amount of time and energy of the user, The user experience is poor and cannot meet the business needs of modern society.
However, in the current E-commerce applications, the transfer of funds mainly depends on the traditional way of electronic direct transfer payment and third-party payment, with a single payment method. Users often need to shop or shop at multiple merchants or E-commerce platforms. Each order carries out payment and settlement separately, more repetitive actions, consumes a large amount of time and energy of the user, The user experience is poor and cannot meet the business needs of modern society.
[0005] Summary of the Invention
[0006] The present application provides a method, system and equipment for open electronic certificate in batches. The issuing bank server opens multiple electronic certificates corresponding to the issuing request, providing the basis for the realization of the user's one-time payment settlement on different merchants and/or different E-commerce platforms.
[0007]
[0008] According to a first aspect of the present application, the present application provides a method for batchly opening an electronic certificate, including:
[0009] The issuing party client obtains the issuing information for opening multiple electronic certificates inputted by the issuing party; the issuing information includes the issuing amount and the issuing account for freezing funds or supporting credit account information;
[0010] The issuing party client generates a plurality of issuing requests according to the issuing information, and delivers the issuing requests to the issuing bank server;
[0011] The issuing bank server, in accordance with the account information of the issuing bank account, froze the credit in the issuing bank account that is consistent with the issuing banknote or the credit in the issuing bank account that matches the issuing bank number, and opens several electronic certificate corresponding to the opening request.
[0012]
[0013] According to a second aspect of the present application, the present application provides a system for batch-opening an electronic certificate, including an issuing party client and an issuing bank server, wherein the issuing party client and the issuing bank server are communicatively connected;
[0014] The issuing party client is used to obtain the issuing information for opening multiple electronic certificates input by the issuing party; and is also used to generate multiple issuing requests according to the issuing information, the issuing request is delivered to the issuing bank server; the issuing information includes the amount of the issuing bank and the account information for the frozen funds or the opening account of the credit card;
[0015] The issuing bank server is used to freeze, according to the account information of the issuing account, the funds in the issuing account that match the issuing amount or the credit in the issuing account that matches the issuing amount, and opens a plurality of electronic certificates corresponding to the issuing request.
[0016]
[0017] According to a third aspect of the present application, the present application provides a device for opening an electronic certificate in batches, which serves as a card issuer client and includes:
[0018] An information acquisition module is used for obtaining the issuing information for opening multiple electronic certificates inputted by the issuing party; the issuing information includes the issuing amount and the issuing account for freezing funds or supporting credit account information;
[0019] A request generating module is used for generating multiple issuing requests according to = W02017/012021 the issuing information;
[0020] A request delivering module is used to deliver the multiple issuing requests to an issuing bank server; the issuing bank server is used to freeze, according to the account information of the issuing account, the funds in the issuing account that match the issuing amount or the credit in the issuing account that matches the issuing amount, and opens a plurality of electronic certificates corresponding to the issuing request.
[0021]
[0022] According to a fourth aspect of the present application, the present application provides another device for open electronic certificate in batches, as an issuing bank server, including:
[0023] The funds freezing module is used to freeze the credit consistent with the issuing amount in the issuing account and the credit consistent with the issuing amount in the issuing account according to the account information of the issuing account;
[0024] A card issuing module is used for opening a multiple of electronic certificates corresponding to the issuing request; the multiple issuing requests are generated by the issuing party's client based on the opening party's input for opening multiple electronic certificate; the issuing information includes the issuing amount and the account information of the issuing account.
[0025]
[0026] In the method, system and device for open electronic certificate in batches provided in the present application, the issuing party client generates multiple issuing requests according to the issuing information input by the issuing party, and delivers the issuing requests to the issuing server. The issuing information includes the issuing amount and the account information of the issuing account for freezing the funds; the issuing bank server froze the funds in the issuing account which are consistent with the issuing amount according to the account information of the issuing account, and opens electronic certificate corresponding to multiple issuing requests. The batch method, system and device for opening electronic certificate in batch can realize that the issuing party client delivers multiple issuing requests to the issuing bank server at one time, and the issuing bank server issues multiple electronic certificates corresponding to the issuing request, which provides a basis for implementing one-time payment and settlement for users in different businesses and / or different E-commerce platforms.
[0027] Brief Description
[0028] Figure 1 is a schematic diagram of the systematic structure of electronic certificate in an example of the present application;
[0029] Figure 2 is a flow chart of a method for batch-opening an electronic certificate in an example of the present application;
[0030] Figure 3 is a schematic diagram of the structure of a device as a card issuer client in an example of the present application;
[0031] Figure 4 is a schematic diagram of the structure of a device serving as an issuing bank server in an example of the present application.
[0032] Description of the Preferred Examples
[0033] The electronic certificate mentioned in the example of the present application is based on the core principles of international letters of credit, a collection of bank notes, bonds, bank acceptance bills, electronic letters of credit and many other financial commodity advantages, combined with Internet technology in one, it completely adapted and meet the needs of the Internet economy era of new financial instruments, with cross-platform, cross-bank, all-field, full scene application of the wide range of applicability. Specifically, the electronic certificate refers to the issuer (buyer) opened with the guarantee of bank account funds or credit limit (credit limit or loan limit), and the bank committed to pay and pay payment certificate of electronic credit commitment. Electronic certificate mentioned in this program is mainly a commodity for the buyer, the seller downloads the cashier access interface, the buyer to complete the electronic certificate issuing, the seller to complete the collection and performance, apply for solution, and the payment terms of electronic certificate will be automatically unpaid. Electronic certificate not only can be purchased with the commodity, but also be used for mortgage guarantee, for example, an individual can issue an electronic certificate to the bank, as a guarantee to loan to others.
[0034] That is, an electronic certificate issued by a issuing bank based on the issuing party's issuing request, with the issuing party's funds or credit as a reserve, and it also carries the credit of the bank, stores the changes in the form of digital, and realizes the payment certificate of the electronic commitment of the circulation.
[0035] The following is a description of the period often involved in the use of electronic certificate for E-commerce activities.
[0036] The use of electronic certificate for E-commerce activities mainly involved in the period including the issuing period, collection period, performance period, receipt, payment and liquidation period. The relevant explanation for each period is as follows:
[0037] 1, opening date
[0038] After the order is formed by both parties, the issuing bank will apply for the opening of the certificate. Of course, the issuing party can apply for issuing a certificate when forming a specific trading order. Alternatively, when the trading order is not formed, the issuing party = WO 2017/012021 can voluntarily apply for issuing the card. In the transaction process, the opening of electronic certificate, the buyer can open a certificate (empty one), it can be the seller to open the card (with a single certificate).
[0039] After issuing bank acceptance, open the electronic certificate. And the amount of amount recorded in the electronic certificate is treated as a corresponding reservation in the capital account of the issuing party, which is generally understood as the freezing of funds or the use of credit. In actual use, frozen credit can be divided into two situations: one is from the beginning of frozen credit, the bank began to calculate interest, which is the issuing bank to use the credit limit; the other is received from the credit recipient credit the amount corresponding to the amount, the bank began to calculate the interest, that is, from the issuing bank credit to the receiving bank to receive funds during the period when the issuing bank receives the funds from the issuing bank to the receiving bank, it is considered that the issuing party does not invoke the credit limit given by the bank.
[0040] 2, Collection period
[0041] The recipient applies to the receiving bank for the receipt of the certificate. The length of the period of the receipt may be set to 1 days or self-definition.
[0042] 3, The performance period
[0043] The receiving bank verifies the information and confirms the transaction. After confirming the transaction, the bank receives the certificate and the electronic certificate enters the performance period. The length of the performance period can be set to 7 days or self-definition.
[0044] The collector performs the performance during the performance period and delivers the performance information to the collecting bank. If the merchant delivers the commodity, it can be considered as performing and the performance information can be the logistics number of the delivery.
[0045] 4, The receipt period
[0046] The receiving bank obtain compliance information, change the status of electronic certificate, electronic certificate enter into the receipt period, waiting for the delivery of commodity, sign the commodity. The length of the receipt can be set to 7 days or self-definition.
[0047] 5, Solution payment period
[0048] During the During the signing period, the issuing party signs the commodity, that is, when the collector completes the trading conditions corresponding to electronic certificate according to the conditions of electronic certificate, the entrusted bank apply for the payment to the issuing bank, and the length of the payment period can be set to 1 days.
[0049] 6, The liquidation period
[0050] The amount of electronic certificate recorded in the issuer's funds account to do the corresponding reservations, generally understood as the freezing of funds or credit support.
[0051] According to the above description, after the opening of the electronic certificate, the validity period can be divided into three periods. The time limit is set forth in the electronic certificate, which is the period for receiving the certificate, performing the contract, applying for payment, then the electronic certificate is invalid.
[0052] The collection period is the deadline for the recipient to apply for collection, if the certificates are not received within the time limit, the electronic certificate will be invalidated. After receiving the certificate, the electronic certificate will enter into the compliance period.
[0053] The performance period is the deadline for the submitter to submit compliance information (such as delivery information), the electronic certificate fails to be submitted within the time limit. After the recipient submits the compliance information, the electronic certificate enters the receipt period.
[0054] The receipt period is the deadline for the recipient to apply for payment, the overdue application for payment information (such as receipt of information) then the electronic certificate expires. After receiving the certificate, the electronic certificate will enter the payment period.
[0055] It should be understood that the above is only a way of applying the electronic certificate, and the application of electronic certificate may also be used to purchase the service. When buying services, such as hotel trade scenario, the hotel room reservation is successful, the hotel has carried on the performance, the performance information is the content of the information which has successful reservation, close to pay collector's application solution when customers check in.
[0056] 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 offers a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period directly into the payment period, such as face-to-face transactions.
In different situations, the understanding of performance and receipt also changed. In other words, when a merchant offers a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period directly into the payment period, such as face-to-face transactions.
[0057]
[0058] The present application will be further described in detail below with reference to the accompanying drawings through specific examples.
[0059] The present example provides a method, system and equipment for opening electronic certificate in batches.
[0060] Please refer to Figure 1, which is a schematic structural diagram of a system for opening an electronic certificate in batches. The system includes an issuer Client 101 and an issuing bank server 102. The issuer Client 101 and the issuing bank server 102 are communicatively connected, for example, via intemet communications.
[0061] The following combination of open electronic certificate in batches method to further explain the system.
[0062] Please refer to Figure 2, which is a flow chart of a method for opening electronic certificate in batches, which includes the following steps:
[0063] Step 1.1: the issuing party client obtains the issuing information input by the issuing party for opening multiple electronic certificates.
[0064] Specifically, the issuing party may enter the issuing information through the man-machine interface provided by the issuing party client, for example, the issuing party client provides the issuing party with a form through the man-machine interactive interface, and the issuing party enters the corresponding information in the form. After the input is completed, it is submitted.
[0065] Wherein, the issuing information includes the issuing amount and the account information of the issuing account used for freezing the funds or supporting the credit.
The issuing amount can be entered by the issuing party through the form; when the issuing party is the buyer who trades through the E-commerce platform, the issuing amount can be automatically generated by the issuing party client according to the issuing party's order information. Of course, when the issuing amount is automatically generated by the issuing party client according to the issuing party's order information, the issuing party client may give the issuing party manual permission to modify the issuing amount, or may directly lock the issuing amount cannot be modified.
The issuing amount can be entered by the issuing party through the form; when the issuing party is the buyer who trades through the E-commerce platform, the issuing amount can be automatically generated by the issuing party client according to the issuing party's order information. Of course, when the issuing amount is automatically generated by the issuing party client according to the issuing party's order information, the issuing party client may give the issuing party manual permission to modify the issuing amount, or may directly lock the issuing amount cannot be modified.
[0066] It should be noted that, in this example, the opening amount refers to the sum of the amount of the electronic certificate issued by each issuing request in multiple issuing requests. The issuing account may be an issuer's own account, for example, the issuing bank's own bank card, or a non-issuing party's account, such as another's bank card.
[0067] Step 1.2: the issuing party client generates a multiple of issuing requests according to the above issuing information. Specifically, the issuing party client may generate a data message for multiple issuing requests so as to be transmitted in subsequent steps. The issuing party client can also generate multiple data information separately according to the requirements. When data information is generated, it can be generated at the same time in the same thread, and can also be generated one by one in multiple parallel threads.
[0068] Step 1.3: the issuing party client delivers multiple issuing requests to the issuing bank server. When the issuing party client can generate all the issuing requests for a data message, the issuing party client delivers all the issuing requests to the issuing bank server at one time; when the issuing party client respectively generates multiple data information from each issuing request, the issuing request is delivered to the issuing bank server by the client of the issuing party.
[0069] Preferably, in this example, step 1.4 and step 1.5 are also added in order to ensure the security when the electronic certificate is batch-opened.
[0070] Step 1.4: In step 1.1, the issuing information input by the issuing party further includes the identity information of the issuing party. In this step, the issuing bank server first verifies the issuing party according to the identity information, and after determining that the issuing party has the issuing authority, performs the following steps. Of course, if the issuing bank server determines that the issuing party does not have the issuing authority, it returns a message that the issuing fails, or at the same time returns a message asking the issuing party to reset the issuing request (modify the input issuing information).
[0071] In a specific application example, the issuing bank server verifies the identity information of the issuing party to determine whether the issuing party has the issuing authority, and may adopt the following ways:
[0072] (1) According to the identity information verification for example, the (issuer's) ID number, the issuer verifies whether the issuing party has the account opening information in the current issuing bank. If there is, it is considered that the issuing party has issuing authority, otherwise, it is considered that the issuing party does not have issuing authority.
[0073] (2) According to the identity information verification for example, the issuing party is used for logging in the account of the client and verifying whether the account has completed the real name authentication. If it is, it is considered that the issuing party has the issuing authority, otherwiseõ it is considered that the issuing party does not have the right to open the license. In this verification mode, the issuing party may not require the opening party to have the opening information in the issuing bank.
[0074] (3) According to the identity information verification, the identity information may be any information that uniquely identifies the issuer's identity, whether the issuer has a bad credit record, for example, determining whether the issuer belongs to a white list or black List users. If it is determined that the issuing party belongs to the white list user, the issuing party is deemed to have the issuing authority; if it is determined that the issuing party belongs to the blacklist user, then the issuing party is deemed not to have the issuing authority.
[0075] (4) The identity information of the issuing party is the dynamic code returned by the issuing bank server to the mobile phone number according to the mobile phone number of the issuing party carried in the issuing request. In this test mode, before the issuing party submits the issuing information, the step that require more data interaction, that is, the issuing party client delivers the issuing mobile phone number to the issuing bank server first, the issuing bank delivers a dynamic code to the cell phone number. When the issuing bank server determines that the issuing code entered by the issuing party is the same as the previously delivered dynamic code, it considers that the issuing party has the issuing authority; if not, it considers that the issuing party does not have the issuing authority. In addition, the mobile phone number may also be the mobile phone number bound with the issuing account.
[0076] Of course, in other application examples, the issuing bank server may perform verification according to the identity information of the issuing party to determine whether the issuing party has the issuing authority or not. In this example, only several better ways are listed.
[0077] Step 1.5: In step 1.4, after the issuing bank server determines that the issuing party has the issuing authority, in this step, it is further determined whether the issuing amount is less than or equal to the funds or credit in the issuing account. If the issuing amount is less than or equal to the funds in the issuing bank account or credit, then continue the next steps. If the issuing amount is larger than the funds or credit in the issuing account, the issuing bank server may directly return the issuing failure message to the issuing party client or simultaneously return a message requesting the issuing party to modify the issuing information; or when multiple issuing requests are delivered one by one to the issuing bank server, the issuing bank server can open the corresponding electronic certificate according to the issuing request received first, and when the funds in the issuing bank account or the credit is insufficient, stop issuing and return to the issuing party unprocessed issuing request; or issuing bank server may require the issuing party to make a selection, in accordance with the selection of the issuing party, the opening request of the opening account is dealt with on the premise of the approval of the opening account fund or the credit.
[0078] Step 1.6: the issuing bank server is used to freeze the credit consistent with the issuing amount in the issuing account and the credit consistent with the issuing amount in the issuing account according to the account information of the issuing account.
[0079] In this example, the method further includes step 1.7: the issuing bank server returns a confirmation of issuance confirmation to the issuing party client to confirm whether the issuing party wants to open an electronic certificate.
[0080] Step 1.8: the Issuing party client delivers the obtained indication indicating that the issuing = W02017/012021 party confirms the issuance of the certificate to the issuing bank server.
[0081] Steps 1.7 and 1.8 can be implemented in the following two ways:
[0082] (1) After the issuing party client obtains the issuing confirmation request returned by the issuing bank server, the issuing party client displays the request, for example, a selection interface of "confirm" and "cancel" is displayed. If the issuing party confirms the issuing certificate, it will only need to click the "confirm" option. If the issuing party gives up the issuing, then click "cancel" and the operation will be finished. The issuing party client returns the corresponding result to the issuing bank server according to the selection of the issuing party.
[0083] (2) The issuing bank confirming request returned by the issuing bank server is used for requesting the issuing party to input the withdrawal password of the issuing account, and the issuing party client displays the request, and the issuing party inputs the withdrawal password. The certificate client delivers it to the issuing bank server, and the issuing bank server verifies the withdrawal password.
[0084] Of course, in other examples, other implementation forms may be adopted in steps 1.7 and 1.8.
[0085] Step 1.9: the issuing bank server issues a multiple of electronic certificates corresponding to the issuing request. Similarly, the issuing bank server may issue multiple electronic certificates at the same time in one thread, or may issue electronic certificates one by one in multiple parallel threads.
[0086] Of course, after step 1.9, the issuing bank server may also return a message indicating that the issuing is successful to the issuing party client to notify the issuing party. For the electronic certificate that needs to be transferred to the receiving party right away, the issuing bank server immediately notifies the receiving bank server so as to notify the receiving party of receiving the certificate. The receiving party refers to the party that charges the electronic certificate opened by the issuing party, for example, the seller during the transaction and the receiver of the transfer, etc. Since the implementation of this case is only the method of opening an account, there is no way to repeat the evidence such as transfer or receipt. The way of transferring and collecting evidence can be realized by the conventional technology in this field.
[0087] Specifically, the issuing request may be set by the issuing party through the issuing party client to any one of the following forms:
[0088] (1) Quota issuing to the receiving party. The issuing party inputs the amount of the electronic certificate issued to the receiving party, which is greater than the amount receivable by the receiving party. After the receiving party receives the electronic certificate of the quota, the amount of the receivable is deducted and the excess amount of electronic certificate and then return to the issuing party, the equivalent of "change"
approach.
approach.
[0089] (2) Issued regularly to the receiving party. For example, the issuing request is set to issue an electronic certificate to the receiving party on the 1st of each month.
After receiving the issuing request, the issuing bank issues an electronic certificate to the receiving party on the 1st of each month. Of course, the issuing request can also be set as the number of times that an electronic certificate is issued continuously. This form of issuing request provides the basis for the current transaction of instalments.
After receiving the issuing request, the issuing bank issues an electronic certificate to the receiving party on the 1st of each month. Of course, the issuing request can also be set as the number of times that an electronic certificate is issued continuously. This form of issuing request provides the basis for the current transaction of instalments.
[0090] (3) In the target date the issuer did not receive the transaction instructions, the issuing party retracted the issued electronic certificate. The transaction instruction is equivalent to the aforesaid performance information. When the electronic certificate enters the performance period, and the receiving party fails to perform the performance, that is, the receiving bank server has not received the performance information of the receiving party, the issuing party retrieves the electronic certificate, or the electronic certificate is invalid.
[0091] (4) Open a random certificate of electronic funds that has not been assigned to the collecting party. This form, equivalent to the current "electronic red envelopes," can be delivered out without designation of the receiving party. The number of electronic certificates issued to the undesignated receiving party may be consistent with the number of issuing requests.
[0092] In a specific example, the form of setting the issuing request may be determined according to the requirements of the issuer. This example merely lists some of the better forms.
[0093]
[0094] Please refer to Figure 3, which is a device for batchly opening an electronic certificate provided in this example. As a card issuing client, the device includes an information acquisition module 201, a request generating module 202, and a request delivering module 203.
[0095] The information acquisition module 201 is used to obtain the issuing information for opening multiple electronic certificates input by the issuing party. The issuing information includes an opening amount and an account for issuing funds for freezing funds or supporting credit information. Specifically, the information acquisition module 201 may be a man-machine interaction interface for performing information interaction with the issuing party.
[0096] The request generating module 202 is connected to the information acquisition module 201, and is used to generate a multiple of issuing requests according to the issuing information. Specifically, the request generation module 202 may be a processor with data processing capability.
[0097] The request delivering module 203 is connected with the request generating module 202 and is used to deliver the multiple issuing requests to an issuing bank server; the issuing bank server is used to freeze, according to the account information of the issuing account, the funds in the issuing account that match the issuing amount or the credit in the issuing account that matches the issuing amount, and opens a plurality of electronic certificates corresponding to the issuing request. It should be noted that the request delivering module 203 may specifically be a communication module that not only has a function of delivering information but also a function of receiving information.
[0098]
[0099] Please refer to Figure 4, which is another device for batch-opening an electronic certificate provided in this example. As an issuing bank server, the device includes a funds freezing module 301 and a card issuing module 304.
[0100] The funds freezing module 301 is used to freeze the credit consistent with the issuing amount in the issuing account and the credit consistent with the issuing amount in the issuing account according to the account information of the issuing account.
[0101] The issuing module 304 is connected with the funds freezing module 301 and is used to open a multiple of electronic certificates corresponding to the issuing request; the multiple issuing requests are generated by the issuing party's client based on the opening party's input for opening multiple electronic certificate; the issuing information includes the issuing amount and the account information of the issuing account.
[0102] Preferably, the issuing information further includes the identity information of the issuer, and the device further includes an identity verification module 302 connected between the funds freezing module 301 and the issuing module 304 for verifying the issuer after determining that the issuing party has the issuing authority, then control the funds freeze module according to the account information of the issuing bank account to freeze the amount of the same amount of the issuing bank account or the issuing bank account with the issuing amount of the same credit.
[0103] Further, the device further includes an amount verification module 303 connected between the identity verification module 302 and the verification module 304, which is also used to judge whether the verification amount is greater than the verification amount after the identity verification module determines that the issuing party has the issuing authority whether it is less than or equal to the funds in the issuing bank account or the credit card, when it is judged that the issuing amount is less than or equal to the funds in the issuing bank account or the credit, then control the funds freeze module according to the account information of the issuing bank account to freeze the amount of the same amount of the issuing bank account or the issuing bank account with the issuing amount of the same credit.
[0104] The working principle of the device as the issuing party client and the device serving as the issuing bank server may refer to the description of the method for batch-opening the electronic certificate in this example, and details are not described herein again.
[0105] The method, system and device for opening electronic certificate in batches can realize that the issuing party client delivers multiple issuing requests to the issuing bank server at one time, and the issuing bank server issues multiple electronic certificates corresponding to the issuing request, which provides a basis for implementing one-time payment and settlement for users in different businesses and / or different E-commerce platforms.
Therefore, when the user purchases commodity from different merchants and / or different E-commerce platforms, the payment once can be settled at one time, which greatly reduces the payment action of the user, improves the user experience of consumption experience, and enriches the payment form of modern E-commerce.
Therefore, when the user purchases commodity from different merchants and / or different E-commerce platforms, the payment once can be settled at one time, which greatly reduces the payment action of the user, improves the user experience of consumption experience, and enriches the payment form of modern E-commerce.
[0106] 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.
[0107] A person of skill in the art can understand that all or part of the steps of the various methods in the foregoing examples may be implemented by a program instructing relevant hardware. The program may be stored in a computer-readable storage medium, which may include only read memory, random access memory, magnetic disk, or optical disk, etc.
[0108] The foregoing is a further detailed description of the present application in conjunction with specific implementation manners, and it should not be considered that the specific implementation of the present application is limited to these descriptions.
For the general technical personnel in the technical field of this application, a number of simple deduction or replacement can be made without leaving the application of the invention.
Date Recue/Date Received 2020-06-17
For the general technical personnel in the technical field of this application, a number of simple deduction or replacement can be made without leaving the application of the invention.
Date Recue/Date Received 2020-06-17
Claims (63)
1. A computer system for batch issuing electronic certificates in an electronic transaction, the system comprising:
a client device for applying for the electronic certificates, the device configured to obtain issuing information inputted by a client for issuing the electronic certificates, wherein the issuing information includes an issuing amount and issuing account information for freezing funds or credit;
generate a plurality of issuing requests according to the issuing information, the plurality of issuing requests including a first issuing request and a second issuing request; and deliver the issuing requests to an issuing financial server;
the issuing financial server configured to determine whether the first issuing request can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freeze funds in the issuing account equal to the issuing amount of the first issuing request, issue a first electronic certificate corresponding to the first issuing request, and determine whether the second issuing request can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account; and Date recue / Date received 2021-12-06 if the first issuing request cannot be completed, stop processing the plurality of issuing requests and send a message to the client device indicating which of the plurality of issuing requests are not completed.
a client device for applying for the electronic certificates, the device configured to obtain issuing information inputted by a client for issuing the electronic certificates, wherein the issuing information includes an issuing amount and issuing account information for freezing funds or credit;
generate a plurality of issuing requests according to the issuing information, the plurality of issuing requests including a first issuing request and a second issuing request; and deliver the issuing requests to an issuing financial server;
the issuing financial server configured to determine whether the first issuing request can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freeze funds in the issuing account equal to the issuing amount of the first issuing request, issue a first electronic certificate corresponding to the first issuing request, and determine whether the second issuing request can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account; and Date recue / Date received 2021-12-06 if the first issuing request cannot be completed, stop processing the plurality of issuing requests and send a message to the client device indicating which of the plurality of issuing requests are not completed.
2. The system of claim I, wherein the issuing information further includes identity information of the client.
3. The system of claim 2, wherein the issuing financial server is further configured to verify the identity information of the client to determine whether the client has issuing authority.
4. The system of any one of claims I to 3, wherein the issuing financial server is further configured to determine whether the issuing amount is less than or equal to the funds in the issuing account.
5. The system of claim 4, wherein the issuing financial server is further configured to freeze the balance amount or the amount of credit limit in the issuing account in accordance with the issuing account information when the issuing amount is less than or equal to the funds in the issuing account.
6. The system of any one of claims 2 to 4, wherein the identity information includes an ID number of the client.
7. The system of any one of claims I to 6, wherein the issuing amount is configured to be inputted by the client for issuing the electronic certificates through a form.
8. The system of any one of claims I to 6, wherein the issuing amount is configured to be automatically generated by the client device according to order information when the transaction is generated by the client device for applying for the electronic certificates via an E-commerce platform.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
9. The system of claim 8, wherein the issuing amount is modified manually by the client when the issuing amount is automatically generated.
10. The system of claim 8, wherein the issuing amount is locked as unmodified issuing amount by the client device for applying for the electronic certificates when the issuing amount is automatically generated.
11. The system of any one of claims 1 to 10, wherein the issuing amount is configured to the sum of the amount of the electronic certificate issued by each issuing request in the plurality of issuing requests.
12. The system of any one of claims 1 to 11, wherein the issuing account is configured to a client's own account.
13. The system of any one of claims 1 to 11, wherein the issuing account is configured to a non-client's account.
14. The system of any one of claims 1 to 13, wherein the plurality of issuing requests are generated as a data message so as to be transmitted.
15. The system of any one of claims 1 to 13, wherein the plurality of issuing requests are generated as multiple data information separately according to requirements.
16. A computer implemented method for network payment in an electronic transaction, the method comprising:
a client device for applying for electronic certificates obtains issuing information inputted by a client for issuing the electronic certificates, wherein the issuing information includes an issuing amount and issuing account information for freezing funds or credit;
Date recue / Date received 2021-12-06 the client device for applying for the electronic certificates generates a plurality of issuing requests according to the issuing information to deliver the issuing requests to an issuing financial server;
determining, by the issuing financial server, whether a first issuing request of the plurality of issuing requests, can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freezing funds in the issuing account equal to the issuing amount of the first issuing request, issuing a first electronic certificate corresponding to the first issuing request, and determining whether a second issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account; and if the first issuing request cannot be completed, stopping processing the plurality of issuing requests and sending a message to the client device indicating which of the plurality of issuing requests are not completed.
a client device for applying for electronic certificates obtains issuing information inputted by a client for issuing the electronic certificates, wherein the issuing information includes an issuing amount and issuing account information for freezing funds or credit;
Date recue / Date received 2021-12-06 the client device for applying for the electronic certificates generates a plurality of issuing requests according to the issuing information to deliver the issuing requests to an issuing financial server;
determining, by the issuing financial server, whether a first issuing request of the plurality of issuing requests, can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freezing funds in the issuing account equal to the issuing amount of the first issuing request, issuing a first electronic certificate corresponding to the first issuing request, and determining whether a second issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account; and if the first issuing request cannot be completed, stopping processing the plurality of issuing requests and sending a message to the client device indicating which of the plurality of issuing requests are not completed.
17. The method of claim 16, wherein the issuing information further includes identity information of the client.
18. The method of claim 17 further includes that the issuing financial server firstly verifies the identity information of the client to determine whether the client has issuing authority.
19. The method of any one of claims 16 to 18 further includes that the issuing financial server further determines whether the issuing amount is less than or equal to the funds in the issuing account.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
20. The method of claim 19 further includes that the issuing financial server freezes the balance amount or the amount of credit limit in the issuing account in accordance with the issuing account information when the issuing amount is less than or equal to the funds in the issuing account.
21. The method of any one of claims 17 to 18, wherein the identity information includes an ID
number of the client.
number of the client.
22. The method of any one of claims 16 to 21, wherein the issuing amount is configured to be inputted by the client for issuing the electronic certificates through a form.
23. The method of any one of claims 16 to 21, wherein the issuing amount is configured to be automatically generated by the client device according to order information when the transaction is generated by the client device for applying for the electronic certificates via an E-commerce platform.
24. The method of claim 23, wherein the issuing amount is modified manually by the client when the issuing amount is automatically generated.
25. The method of claim 23, wherein the issuing amount is locked as unmodified issuing amount by the client device for applying for the electronic certificates when the issuing amount is automatically generated.
26. The method of any one of claims 16 to 27, wherein the issuing amount is configured to the sum of the amount of the electronic certificate issued by each issuing request in the plurality of issuing requests.
27. The method of any one of claims 16 to 26, wherein the issuing account is configured to a client's own account.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
28. The method of any one of claims 16 to 26, wherein the issuing account is configured to a non-client' s account.
29. The method of any one of claims 16 to 28, wherein the plurality of issuing requests are generated as a data message so as to be transmitted.
30. The method of any one of claims 16 to 28, wherein the plurality of issuing requests are generated as multiple data information separately according to requirements.
31. A computer implemented method for network payment in an electronic transaction, the method comprising:
receiving a plurality of issuing requests generated and delivered by a client device for applying for electronic certificates according to issuing information inputted by a client for issuing the electronic certificates, wherein the issuing information includes an issuing amount and issuing account information for freezing funds or credit;
determining whether a first issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freezing funds in the issuing account equal to the issuing amount of the first issuing request, issuing a first electronic certificate corresponding to the first issuing request, and determining whether a second issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account; and if the first issuing request cannot be completed, stopping processing the plurality of issuing requests and sending a message to the client device indicating which of the plurality of issuing requests are not completed.
Date recue / Date received 2021-12-06
receiving a plurality of issuing requests generated and delivered by a client device for applying for electronic certificates according to issuing information inputted by a client for issuing the electronic certificates, wherein the issuing information includes an issuing amount and issuing account information for freezing funds or credit;
determining whether a first issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freezing funds in the issuing account equal to the issuing amount of the first issuing request, issuing a first electronic certificate corresponding to the first issuing request, and determining whether a second issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account; and if the first issuing request cannot be completed, stopping processing the plurality of issuing requests and sending a message to the client device indicating which of the plurality of issuing requests are not completed.
Date recue / Date received 2021-12-06
32. The method of claim 31, wherein the issuing information further includes identity information of the client.
33. The method of claim 32 further includes verifying the identity information of the client to determine whether the client has issuing authority.
34. The method of any one of claims 31 to 33 further includes determining whether the issuing amount is less than or equal to the funds in the issuing account.
35. The method of claim 34 further includes freezing the balance amount or the amount of credit limit in the issuing account in accordance with the issuing account information when the issuing amount is less than or equal to the funds in the issuing account.
36. The method of any one of claims 32 to 33, wherein the identity information includes an ID
number of the client.
number of the client.
37. The method of any one of claims 31 to 36, wherein the issuing amount is configured to be inputted by the client for issuing the electronic certificates through a form.
38. The method of any one of claims 31 to 36, wherein the issuing amount is configured to be automatically generated by the client device according to order information when the transaction is generated by the client device for applying for the electronic certificates via an E-commerce platform.
39. The method of claim 38, wherein the issuing amount is modified manually by the client when the issuing amount is automatically generated.
40. The method of claim 38, wherein the issuing amount is locked as unmodified issuing amount by the client device for applying for the electronic certificates when the issuing amount is automatically generated.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
41. The method of any one of claims 31 to 40, wherein the issuing amount is configured to the sum of the amount of the electronic certificate issued by each issuing request in the plurality of issuing requests.
42. The method of any one of claims 31 to 41, wherein the issuing account is configured to a client's own account.
43. The method of any one of claims 31 to 41, wherein the issuing account is configured to a non-client's account.
44. The method of any one of claims 31 to 43, wherein the plurality of issuing requests are generated as a data message so as to be transmitted.
45. The method of any one of claims 31 to 43, wherein the plurality of issuing requests are generated as multiple data information separately according to requirements.
46. A computer device for network payment in an electronic transaction, wherein a client device obtains issuing information inputted by a client for issuing multiple electronic certificates and generates a plurality of issuing requests, and the computer device receives the plurality of issuing requests from the client device, the device comprising a memory storing a computer program, the computer program when executed causing the computer device to:
determine whether a first issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freeze funds in the issuing account equal to the issuing amount of the first issuing request, issue a first electronic certificate corresponding to the first issuing request, and determine whether a second issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account;
Date recue / Date received 2021-12-06 if the first issuing request cannot be completed, stop processing the plurality of issuing requests and send a message indicating which of the plurality of issuing requests are not completed.
determine whether a first issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the first issuing request to a first balance in an issuing account corresponding to the issuing account information;
if the first issuing request can be completed, freeze funds in the issuing account equal to the issuing amount of the first issuing request, issue a first electronic certificate corresponding to the first issuing request, and determine whether a second issuing request of the plurality of issuing requests can be completed by comparing the issuing amount of the second issuing request to a second balance in the issuing account;
Date recue / Date received 2021-12-06 if the first issuing request cannot be completed, stop processing the plurality of issuing requests and send a message indicating which of the plurality of issuing requests are not completed.
47. The device of claim 46, wherein the issuing information further includes identity information of the client.
48. The device of claim 46 further includes an identity verification module.
49. The device of claim 48, wherein the identity verification module is further configured to verify identity information of the client to determine whether the client has issuing authority.
50. The device of claim 46 further includes an amount verification module.
51. The device of claim 50, wherein the amount verification module is further configured to determine whether the issuing amount is less than or equal to the funds in the issuing account.
52. The device of claim 46 further includes a funds freeze module.
53. The device of claim 52, wherein the funds freeze module is further configured to freeze the balance amount or the amount of credit limit in the issuing account in accordance with the issuing account information when the issuing amount is less than or equal to the funds in the issuing account.
54. The device of any one of claims 47 and 49, wherein the identity information includes an ID
number of the client.
number of the client.
55. The device of any one of claims 47, 49, and 54 wherein the issuing amount is configured to be inputted by the client for issuing the multiple electronic certificates through a form.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
56. The device of any one of claims 46, 48, and 50-53,wherein the issuing amount is configured to be automatically generated by the client device according to order information when the transaction is generated for applying for the multiple electronic certificates via an E-commerce platform.
57. The device of claim 56, wherein the issuing amount is modified manually by the client when the issuing amount is automatically generated.
58. The device of claim 56, wherein the issuing amount is locked as unmodified issuing amount by the client device for applying for the multiple electronic certificates when the issuing amount is automatically generated.
59. The device of any one of claims 46 to 58, wherein the issuing amount is configured to the sum of the amount of the electronic certificate issued by each issuing request in the plurality of issuing requests.
60. The device of any one of claims 46 to 59, wherein the issuing account is configured to a client's own account.
61. The device of any one of claims 46 to 59, wherein the issuing account is configured to a non-client's account.
62. The device of any one of claims 46 to 61, wherein the plurality of issuing requests are generated as a data message so as to be transmitted.
63. The device of any one of claims 46 to 61, wherein the plurality of issuing requests are generated as multiple data information separately according to requirements.
Date recue / Date received 2021-12-06
Date recue / Date received 2021-12-06
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084590 WO2017012021A1 (en) | 2015-07-21 | 2015-07-21 | Method, system, and device for batch issuing electronic certificates |
Publications (2)
| Publication Number | Publication Date |
|---|---|
| CA2993252A1 CA2993252A1 (en) | 2017-01-26 |
| CA2993252C true CA2993252C (en) | 2022-04-05 |
Family
ID=57833770
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA2993252A Active CA2993252C (en) | 2015-07-21 | 2015-07-21 | Method, system, and device for batch issuing electronic certificates |
Country Status (2)
| Country | Link |
|---|---|
| CA (1) | CA2993252C (en) |
| WO (1) | WO2017012021A1 (en) |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2014055645A2 (en) * | 2012-10-05 | 2014-04-10 | Jvl Ventures, Llc | Systems, methods, and computer program products for managing remote transactions |
| WO2014146227A1 (en) * | 2013-03-18 | 2014-09-25 | 深圳市银信网银科技有限公司 | Paying method and system by using network |
| CN204178394U (en) * | 2014-09-12 | 2015-02-25 | 深圳市银信网银科技有限公司 | A kind of electronic certificate generating apparatus |
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2015
- 2015-07-21 CA CA2993252A patent/CA2993252C/en active Active
- 2015-07-21 WO PCT/CN2015/084590 patent/WO2017012021A1/en active Application Filing
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| Publication number | Publication date |
|---|---|
| WO2017012021A1 (en) | 2017-01-26 |
| CA2993252A1 (en) | 2017-01-26 |
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