CA2994367C - Method, server, terminal, and system for setting maturity of electronic certificate - Google Patents

Method, server, terminal, and system for setting maturity of electronic certificate Download PDF

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Publication number
CA2994367C
CA2994367C CA2994367A CA2994367A CA2994367C CA 2994367 C CA2994367 C CA 2994367C CA 2994367 A CA2994367 A CA 2994367A CA 2994367 A CA2994367 A CA 2994367A CA 2994367 C CA2994367 C CA 2994367C
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electronic certificate
settlement
certificate
information
validity period
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CA2994367A
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French (fr)
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CA2994367A1 (en
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Yi Zhang
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10353744 Canada Ltd
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10353744 Canada Ltd
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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A method, server, terminal, and system for setting the maturity of an electronic certificate. The method comprises the following steps: acquiring electronic certificate issuance information transmitted by a terminal, where the electronic certificate issuance information comprises maturity information of an electronic certificate; determining whether or not the maturity information is reasonable (S203); and if yes, then producing an electronic certificate comprising the maturity (S204). The maturity of the electronic certificate is set by setting payment application information, thus increasing control over an electronic certificate fund, facilitating management of funds, and at the same time increasing the security of capital flow.

Description

Method, Server, Terminal, And System For Setting Maturity Of Electronic Certificate Technical Field [0001] The present invention relates to the field of finance, and in particular, to a method, a server, a terminal and a system for setting an electronic certificate settlement time limit.
[0002] Background Technology
[0003] In the current people's funds circulation activities, neither the online banking system nor the third-party payment system have agreed on the circulation limitation of funds and are still the principle of circulation all the time, which is not conducive to the reasonable control over the circulation of funds by both parties. In particular, in the process of electronic certificate business, if it is not possible to set the time limit for the payment of electronic certificate, the flow of funds cannot be controlled and the security performance of the fund will be affected.
[0004] Summary of the Invention
[0005] The present application provides a method, server, terminal and system capable of settling settlement time for electronic certificate funds.
[0006] According to a first aspect, an example provides a method for setting an electronic certificate settlement time limit, and the server performs the following steps:
[0007] To obtain the electronic certificate information delivered by the terminal, to open electronic certificate information, including electronic certificate;
[0008] Determine the timing of the settlement information is reasonable, if reasonable, generates a settlement certificate containing the electronic certificate.
[0009] Further, the electronic certificate is valid within the time limit for settlement.
[0010] Further, if the electronic certificate submitted by the terminal is not received within the validity period of the application for settlement, the electronic certificate is invalid.
[0011] According to a second aspect, in one example, it is provided a server for setting an electronic certificate settlement time limit, including:
[0012] Acquisition module is used to obtain the electronic certificate information delivered by the terminal, to open electronic certificate information, including electronic certificate;
[0013] Storage module is used for storing open electronic certificate information;
[0014] The processing module is used to judge whether the time limit information is reasonable, and if it is reasonable, it will generate electronic certificate containing the time limit for the =

payment; the acquisition module and storage module are respectively connected with the processing module signal.
[0015] In another example of the present invention, it is provided an electronic certificate terminal for settling aging, including:
[0016] A delivering module is used for deliver electronic certificate information to the server;
[0017] The processing module is used to generate the information of opening the electronic certificate and the information of opening the electronic certificate, including the electronic certificate.
[0018] In another example of the present invention, it is provided a terminal for settling time-setting of electronic certificate, which includes the above-mentioned electronic certificate server and terminal for settling time-setting.
[0019] According to the above example of a method of electronic settlement time, servers, terminals and systems, by setting the payment application information for the electronic certificate, the control of electronic certificate funds and the management of funds are improved, and the circulation of funds is safer.
[0020] Brief Description
[0021] Figure 1 is a flowchart of a method for setting the aging of an electronic certificate in an example;
[0022] Figure 2 is an example of the electronic certificate settlement aging server block diagram;
[0023] Figure 3 is an example of the electronic certificate settlement aging terminal block diagram;
[0024] Figure 4 is an example of the electronic certificate settlement time-setting system block diagram;
[0025] Figure 5 is a flowchart of a method for setting the aging of an electronic certificate in an example.
[0026] Description of the Preferred Examples
[0027] The following specific examples with the accompanying drawings of the present invention will be described in further detail.
[0028] The electronic certificate is the electronic commitment payment certificate which the bank undertakes to pay the funds according to the agreed terms, it refers to the electronic certificate issued by the bank according to the amount of funds or credit limit required by the application of the applicant, and the bank undertakes to handle the payment and settlement in accordance with the agreed terms.
[0029] The usual business process for electronic certificate is the issuing bank freeze the required amount of funds in accordance with the issuer's application to open an electronic = CA 02994367 2018-01-31 certificate, and after receiving the certificate from the receiving bank, the issuing bank pay and settle the payment by the issuing bank to the receiving bank.
[0030] Example 1:
[0031] As shown in Figure 1, in this example of the present invention, it is provided a method for settling time-setting of an electronic certificate, which is executed by a server of an issuing bank, and includes the following steps:
[0032] S101: Detect whether the receiving application is received to pay the electronic certificate request;
[0033] The server detects whether the request for settlement of the electronic certificate submitted by the terminal has been received within the validity period of the expiration date of the application of electronic certificate. If it is obtained, it is judged whether the electronic certificate is valid. If it is not obtained, the electronic certificate is invalid, the funds are frozen, and the electronic certificate failure information is generated and delivered to the terminal.
[0034] The opening of the electronic certificate information includes the settlement information of the electronic certificate, and the settlement information of the aging payment is set by the issuer through the terminal. The settlement of the validity period of the settlement certificate is used by the receiver to apply for settlement information through the terminal feedback. If the issuer fails to provide feedback during the validity period, the electronic certificate will be invalid.
[0035] S102: judging whether the settlement and amortization information is reasonable or not;
[0036] The server compares the acquired settlement aging information with the pre-stored settlement information, and determines whether the settlement application information meets the solution payment conditions and is within a reasonable range. If reasonable, then enter the electronic certificate settlement period, if not reasonable, then return the application information, and returned feedback.
[0037] S103: Enter settlement period.
[0038] The present example provides a method for setting a settlement time limit for electronic certificate, by setting the payment application information for the electronic certificate, the control of electronic certificate funds and the management of funds are improved, and the circulation of funds is safer.
[0039] Example 2:
[0040] As shown in Figure 2, this example provides a server for setting an aging settlement solution in an electronic certificate. The server I is an executing subject of an issuing bank.
The server 1 includes an acquisition module 11, a storing module 12 and a processing module 13. The acquisition module 11 and the storage module 12 are respectively and signal-connected to the processing module 13.
[0041] The acquisition module 11 is used to obtain the information of opening the electronic certificate generated by the terminal, and opening the electronic certificate information including the settlement information of the electronic certificate. The settlement payment limit information is set by the issuer through the terminal.
[0042] The storage module 12 is used to store the information of opening the electronic certificate, and is further configured to store preset settlement information, which is used for determining whether the settlement aging information in the unlocking electronic certificate information is valid.
[0043] The processing module 13 is used to detect whether the electronic certificate of the open electronic device generated by the terminal is acquired within the validity period of applying for the expiration of the electronic certificate, and if the obtained electronic certificate of the electronic certificate is obtained, determine whether the validity information of the payment valid matches; if not, the electronic certificate will be invalid, the funds for freezing will be released, and the electronic certificate will be issued to invalidate the information and deliver it to the terminal. To determine whether the validity of the settlement information is valid, and if so, enter the settlement period, the electronic certificate is valid in the expiration date of the settlement: if not, the electronic certificate failure, release the funds, and generate electronic certificate solution failure information and deliver to the terminal.
[0044] The system provided by this example of the electronic certificate settlement aging prescription system, including the server 1, the server 1 obtains the settlement application information and determines whether it is valid or not, so as to realize the settlement of the electronic certificate. Improve the control of electronic certificate funds, to facilitate the management of funds, while making the flow of funds more secure.
[0045] Example 3:
[0046] As shown in Figure 3, this example provides a terminal for settlement setting of an electronic certificate. The terminal 2 is an executive body of a receiver. The receiver can control the terminal by outputting data information. The terminal 2 is connected to server 1, the terminal 2 includes a delivering module (21), a processing module 22 and a storage module (23).
[0047] The delivering module 21 is used to deliver the information of opening the electronic certificate to the server I. The information for opening an electronic certificate is valid for the period of validity of the application for settlement, and the information for opening the WO 2017/012027 1'CT/CN2015/084596 electronic certificate is invalid if it is not provided to the server within the validity period of the application for expiration.
[0048] The processing module 22 is used to generate electronic certificate information. The delivering module 21 is signal-connected to the processing module (22).
[0049] The storage module 23 is used to store the electronic certificate information. The storage module 23 is signal-connected to the processing module.
[0050] The collector can set the time limitation information in the electronic certificate information through terminal 2.
[0051] Example 4:
[0052] As shown in Figure 4, this example provides a system for setting the aging settlement of an electronic certificate, which includes the server I in the foregoing Example 3 and the terminal 2 in Example 4. Server 1 and Terminal 2 are signal-connected.
[0053] As shown in Figure 5, the method provided by the present invention for settling the aging settlement of an electronic certificate includes the following steps:
[0054] S201: the issuer enters the information for opening the electronic certificate and sets the settlement time limit;
[0055] The issuer through the terminal 2 to achieve the issuing of card information input, and set the settlement time.
[0056] S202: the issuing bank receives the information to open the electronic certificate;
[0057] The issuing bank server 1 accepts the electronic certificate information entered by the issuer.
[0058] S203: to determine whether the period expiration of settlement is reasonable;
[0059] S204: If it is reasonable, generate an electronic certificate containing the settlement time limit.
[0060] The server 1 of the issuing bank compares the acquired settlement aging information with the pre-stored settlement information, and determines whether the settlement application information meets the solution payment conditions and is within a reasonable range. If it is reasonable, the electronic certificate enters the settlement period of the electronic certificate, and the electronic certificate is valid within the period of validity of the settlement; if it is not reasonable, the electronic certificate will be invalidated, the funds will be released from freezing, and the electronic certificate will be issued to invalidate the information and deliver it to the terminal.
[0061] The present example provides a method for settling the aging settlement of electronic certificate by settling the application information to set the aging of the settlement of the electronic certificate, so that the electronic certificate fund dominance status can be opened by the issuer or / and collectors set up to improve the control of electronic certificate funds to facilitate the management of funds, while making the flow of funds more secure.
[0062] 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.
[0063] Specific examples are used above to illustrate the present invention, but only to help understand the present invention, but not to limit the present invention. For technical personnel in the technical field of the present invention, a number of simple deductions, deformations or substitutions can be made in accordance with the idea of the invention.

Date Recue/Date Received 2020-06-23

Claims (10)

Claims:
1. A computer system for setting maturity and determining validity on an electronic certificate of an applicant in an electronic transaction, the system comprising:
a terminal configured to:
generate information for issuing electronic certificate, wherein the information for issuing electronic certificate includes a validity period of a settlement certificate and settlement information with a required amount of funds to pay a recipient; and deliver the information for issuing electronic certificate to a server;
the server configured to:
obtain the information for issuing electronic certificate delivered by the terminal, wherein the information for issuing electronic certificate includes the validity period of the settlement certificate and settlement information with the required amount of funds to pay the recipient;
determine whether the validity period of settlement is within a reasonable range according to a pre-stored settlement information;
where if the validity period of settlement is within a reasonable range, generate the electronic certificate containing the validity period of the settlement certificate, and freeze the required amount of funds in an account of the applicant in accordance with the issuing electronic certificate;
detect a device of the recipient of the electTonic certificate acquires the electronic certificate;

Date Recue/Date Received 2022-08-02 determine whether the electronic certificate is valid by determining whether the electronic certificate is acquired by the recipient within the validity period;
wherein if the electronic certificate is valid, settling the electronic transaction according to the settlement information and unfreezing the frozen funds to be sent to an account of the recipient, and if not, determining the electronic certificate is invalid, unfreezing the frozen funds, and generating electronic certificate failure information and deliver to the terminal; and the device configured to acquire the electronic certificate.
2. The system of claim 1, wherein the electronic certificate is valid within the validity period of the settlement certificate.
3. The system of claim 1, wherein the electronic certificate is invalid when failing to receive a settlement certificate request within validity period of the settlement certificate.
4. A computer implemented method for setting maturity and determining validity on an electronic certificate of an applicant in a server in an electronic transaction, the method comprising:
obtaining information for issuing electronic certificate delivered by a terminal, wherein the information for issuing electronic certificate includes a validity period of a settlement certificate and settlement information with a required amount of funds to pay a recipient;
determining whether the validity period of settlement is within a reasonable range according to a pre-stored settlement information; and Date Recue/Date Received 2022-08-02 where if the validity period of settlement is within a reasonable range, the server generating the electronic certificate containing the validity period of the settlement certificate, and freezing the required amount of funds in an account of the applicant in accordance with the issuing electronic certificate;
detect a device of the recipient of the electronic certificate acquires the electronic certificate;
determine whether the electronic certificate is valid by determining whether the electronic certificate is acquired the recipient within the validity period;
and wherein if the electronic certificate is valid, settling the electronic transaction according to the settlement information and unfreezing the frozen funds to be sent to an account of the recipient, and if not, determining the electronic certificate is invalid, unfreezing the frozen funds, and generating electronic certificate failure information and deliver to the terminal.
5. The method of claim 4, wherein the electronic certificate is valid within the validity period of the settlement certificate.
6. The method of claim 4, wherein the electronic certificate is invalid when failing to receive a settlement certificate request within validity period of the settlement certificate.
7. A computer implemented server for setting maturity and determining validity on an electronic certificate of an applicant in an electronic transaction, the server comprising:
an acquisition module configured to obtain information for issuing electronic certificate delivered by a terminal, wherein the information for issuing electronic certificate includes a validity period of a settlement certificate and settlement information with a required amount of funds to pay a recipient;

Date Recue/Date Received 2022-08-02 a storage module configured to store the information for issuing electronic certificate;
a processing module configured to:
determine whether the validity period of settlement is within a reasonable range according to a pre-stored settlement information; and where if the validity period of settlement is within a reasonable range, generating the electronic certificate containing the validity period of the settlement certificate, and freezing the required amount of funds in an account of the applicant in accordance with the issuing electronic certificate;
wherein the acquisition module and the storage module are respectively communicatively connected to the processing module via signal;
detect a device of the recipient of the electronic certificate acquires the electronic certificate;
determine whether the electronic certificate is valid by determining whether the electronic certificate is acquired the recipient within the validity period;
and wherein if the electronic certificate is valid, settling the electronic transaction according to the settlement information and unfreezing the frozen funds to be sent to an account of the recipient, and if not, determining the electronic certificate is invalid, unfreezing the frozen funds, and generating electronic certificate failure information and deliver to the terminal.
8. The server of claim 7, wherein the electronic certificate is valid within the validity period of the settlement certificate.
Date Recue/Date Received 2022-08-02
9. The server of claim 7, wherein the processing module is further configured to determine whether the acquisition module receives a settlement certificate request within the validity period of the settlement certificate.
10. The server of claim 9, wherein the electronic certificate is invalid when the acquisition module fails to receive the settlement certificate request within the validity period of the settlement certificate.

Date Recue/Date Received 2022-08-02
CA2994367A 2015-07-21 2015-07-21 Method, server, terminal, and system for setting maturity of electronic certificate Active CA2994367C (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/CN2015/084596 WO2017012027A1 (en) 2015-07-21 2015-07-21 Method, server, terminal, and system for setting maturity of electronic certificate

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CA2994367A1 CA2994367A1 (en) 2017-01-26
CA2994367C true CA2994367C (en) 2023-01-03

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Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7669229B2 (en) * 2002-11-13 2010-02-23 Intel Corporation Network protecting authentication proxy
CN102930469A (en) * 2012-11-13 2013-02-13 中国民生银行股份有限公司 Transfer data processing method and device
CN104766200A (en) * 2015-04-02 2015-07-08 深圳票联金融服务有限公司 Hand-controlled payment method and hand-controlled payment system

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CA2994367A1 (en) 2017-01-26

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