CA2994570A1

CA2994570A1 - Electronic certificate-based discount method and device

Info

Publication number: CA2994570A1
Application number: CA2994570A
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: 2017-01-26
Anticipated expiration: 2035-07-21
Also published as: CA2994570C; WO2017012035A1

Abstract

An electronic certificate-based discount method and device. The method comprise the steps of: receiving a discount request provided by a certificate receiving end on the basis of an electronic certificate (S11); determining the amount of a discounted fund (S12); paying the discounted fund to the certificate receiving end (S13); and changing a receiving account of the electronic certificate (S14). With the electronic certificate-based discount method and device, by means of transferring the right to acquire the electronic certificate for payment of the fund to a certificate receiving institution, a certificate recipient acquires payment of the fund ahead of time, thus increasing the flexibility of payment.

Description

Electronic Certificate-Based Discount Method And Device Technical Field [0001] The present invention relates to the field of network payment technology, and in particular, to an electronic certificate-based discount method and device.
Background Technology

[0002] With the rapid development of computers, networks and modern communication technology, E-commerce has become a popular and even popular way of transaction.
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.

[0003] The payment method of E-commerce usually adopts the network payment, the traditional network payment, mostly the funds in the bank card are directly allocated to each other's account, or allocated to a third party institution as a guarantee. After the buyer's fund transfer order is issued, the funds will be transferred directly, the following situations often occur: the buyer has not received the commodity or services provided by the merchant, and its funds have been paid to the seller by the bank or the third party organization; or after the seller offers the commodity or services, the buyer is unable to pay the corresponding funds.
Or the buyer transfers the funds to the wrong account. Therefore, the traditional online payment methods have certain trading risks and cannot guarantee the interests of buyers and sellers.
Technical problem

[0004] The main object of the present invention is to provide an electronic certificate based discount method and device, aimed at reducing transaction risk, improve the flexibility of payment.
Problem solving solution Technical solutions

[0005] In order to achieve the above objective, the present invention provides a discount method based on electronic certificate applied to Funds-Management server, including the following steps:

[0006] The receiving terminal based on electronic certificate discount request;

[0007] Determine the amount of the discount fund and pay the discounted funds to the receiving terminal;

[0008] Change the collection account of the electronic certificate.

[0009] The invention also proposes a discount device based on electronic certificate, which is applied to Funds-Management server, including:

[0010] The receiving module is set to receive the electronic certificate and the discount request based on the electronic certificate.

[0011] The discount module is set up to determine the amount of the discount fund, pay the discounted funds to the receiving terminal, and change the collection account of the electronic certificate.
The beneficial effect of the invention Beneficial effect

[0012] The present invention provides a discount method based on electronic certificate, after the electronic certificate to the electronic certificate solution payment received before the settlement, the receiving terminal can be based on the electronic certificate to the receiving agency Funds- Management server made a discount request, the receiving agency Funds-Management server based on the contents of the electronic certificate to pay the appropriate amount of funds to the receiving terminal, and the corresponding change of electronic certificate receivables account, so that the recipient by obtaining electronic certificate solution. The right to transfer funds to the receiving institution, access to understand the payment of funds in advance, to protect the issuing terminal of the funds on the basis of security, so that the receiving terminal of the terminal to receive funds in advance to improve the flexibility of payment is conducive to receiving terminal of the funds turnover; at the same time, through the electronic to pay, reducing the transaction risk.
A brief description of the drawings Brief Description

[0013] Figure 1 is a flow chart of an example of an electronic certificate based discounted method of the present invention;

[0014] Figure 2 is a schematic block diagram of an example of a discount system based on the electronic certificate of the present invention;

[0015] Figure 3 is a schematic block diagram of one example of the present invention based on the electronic certificate discount device;

[0016] Figure 4 is a schematic block diagram of the discount module in Figure 3.

[0017] The realization of the object of the present invention, features and advantages of the present invention will be further described with reference to the accompanying drawings.

Examples of the Invention Implementation pattern of the present invention

[0018] It is to be understood that the specific examples described herein are merely illustrative of the invention but not intended to limit the invention.

[0019] In the examples of the present invention, the Funds-Management server is a computer server of the funds management institution and the funds management institution refers to an organization capable of supporting the flow of funds, including but not limited to banks and other financial institutions (such as securities institutions), that is, Funds-Management server includes a bank server or other financial institution server.

[0020] In this example of the present invention, an electronic certificate refers to a fund management institution (for example, a bank) of electronic Funds-Management server that is opened on the application of a licensee to freeze funds or credit lines and is opened in the name of a fund management institution and commit to settle the payment credit of electronic credit commitment according to the agreed conditions. The basic process of making payment through electronic certificate is as follows: the issuing institution (e.g., issuing bank), in accordance with the issuer's application, freezes the required amount of funds to open an electronic certificate. When the agreed terms of settlement are reached, the issuing authority shall pay the settlement of fund settlement.

[0021] In this example of the present invention, the solution of electronic certificate means that after the issuing institution (such as a issuing bank) receives the payment application and confirms that the payment conditions are met, transfer funds associated with the electronic certificate to a collection agency (such as a collecting bank).

[0022] In the example of the present invention, the discount refers to the act of obtaining the capital in advance by transferring the right of obtaining the funds to the collection institution before the certificate collector finishes the freezing of the funds.

[0023] Figure 1, a first example of an electronic certificate-based discounting method according to the present invention is proposed. The method is applied to a Funds-Management server.
The Funds-Management server is a computer server of a funds management institution (for example, a bank). The method includes the following steps:

[0024] S11, The receiving terminal based on electronic certificate discount request.

[0025] In the present invention, during this period, the receiving terminal can make a discount request to the receiving institution at any time before the electronic certificate is issued to the electronic certificate.

[0026] Preferably, after the Funds-Management server receives the certificate receiving request from the receiver, the Funds-Management server obtains the content of the corresponding electronic certificate and related information of the receiver, and determines whether to provide the discount according to the content of the electronic certificate and the credit status of the receiver; and determine the discount ratio, the discount ratio refers to the amount of discounts applied to the receiving terminal, to be fully discounted or partially discounted, partial discounted, the specific proportion of the total. Wherein, the amount of the discounted amount applied by the collection terminal is usually the amount of the settlement fund to be paid when the collection terminal solves the electronic certificate or the amount of the fund included in the electronic certificate, and the amount of the settlement fund or the amount of funds included in the electronic certificate usually electronic certificate of the opening amount, that is, the opening of electronic certificate frozen funds or credit limit.

[0027] For example, when the credit status of the recipient is not good, the Funds-Management server refuses the application for discounting; when the credit status of the recipient is relatively good and the amount applied for discounting by the destination is relatively low, the Funds-Management server allow the full discount; Funds-Management server will grant a partial discount when the credit status of the recipient is good and the amount of discounts applied by the permitting terminal is relatively high.

[0028] S12, to determine the amount of discounted funds.

[0029] In step S12, the Funds-Management server determines, according to the content of the electronic certificate, the solution funds to be obtained when the settlement terminal solves the electronic certificate and determines the amount of the discount funds according to the funds to be paid.

[0030] Specifically, taking the full discount as an example, the Funds-Management server determines the pre-collected discount fee according to the funds to be paid and the difference obtained by subtracting the discount fee from the paid-out fund as the amount of discounted funds.

[0031] Optionally, the discounting fee may be a fixed quota fee, that is, a preset fixed limit fee as a discount fee. If each discount are charged the same amount of fees, or depending on the amount of funds to be paid different amounts of fees.

[0032] Optionally, the discounting fee may also be charged according to a preset proportion of the funds to be paid, namely, the fee that accounts for the preset proportion of the funds to be paid is taken as the discounted fee pre-collected. The default ratio can be fixed, it can also change with the payment of funds to change.

[0033] Optionally, the Funds-Management server calculates the expected interest income of the settlement fund from the current period to the settlement of the electronic certificate and discounts the expected interest income as the discount expense. For example, if there is still one month from the date of settlement of electronic certificate, the current interest, periodic interest or contractual interest of the funds within one month of settlement will be used as the discount to compensate the Funds-Management server for early payment to the receiving terminal the loss of funds. The date of payment of electronic certificate can be understood as the time when the funds of the Funds Management server of the issuing institution will arrive at the Funds Management server of the receiving institution. The time can be estimated according to the general situation.

[0034] The above full discount as an example of the determination of the amount of the discount fund is explained in detail. The partial discount is similar to the full discount. It only changes the benchmark data from the discounted payment to the amount of funds obtained by multiplying the discount rate.

[0035] Funds-Management server confirms the amount of the discounted fund and delivers it to the receiving terminal for confirmation.

[0036] S13, pay discounted funds to the receiving terminal.

[0037] Specifically, the Funds-Management server pays the discounted funds to the receiving account of the electronic certificate, i.e., the receiving party's account or the third party's account designated by the receiving party.

[0038] S14, change the electronic certificate receivables account.

[0039] Specifically, Funds-Management server records the discount information after completing the payment, and changes the receiving account of the electronic certificate.
When it is fully discounted, the original receiving account is replaced with the account of the receiving institution or the third party specified by the issuing institution directly. When it is partially discounted, the account of the newly added collecting institution or the designated institution of the collecting institution of the third party accounts for the collection of accounts, and according to the discount ratio for the original payment account and the new payment account distribution electronic certificate payment ratio.

[0040] Subsequent electronic certificate solution payment, after Funds-Management server receives the settlement fund of Funds-Management server from issuing institution, it will transfer all settlement funds into the replacement payment account or the original payment account and the new receipt according to the determined settlement ratio disbursement of funds between the accounts allocated.

[0041] Thus, the present invention provides a discount method based on electronic certificate, after the electronic certificate to the electronic certificate solution payment received before the settlement, the receiving terminal can be based on the electronic certificate to the receiving agency Funds- Management server made a discount request, the receiving agency Funds-Management server based on the contents of the electronic certificate to pay the appropriate amount of funds to the receiving terminal, and the corresponding change of electronic certificate receivables account, so that the recipient by obtaining electronic certificate solution. The right to transfer funds to the receiving institution, access to understand the payment of funds in advance, to protect the issuing terminal of the funds on the basis of security, so that the receiving terminal of the terminal to receive funds in advance to improve the flexibility of payment; at the same time, through the electronic to pay, reducing the transaction risk.

[0042] Referring to Figure 2, an electronic certificate based discount system according to an example of the present invention is provided. The system includes a receiving terminal and a Funds-Management server, wherein:

[0043] Receiving terminal: Set to submit a discount request to the Funds-Management server based on the electronic certificate after the electronic certificate is received, and confirm the amount of discount funds determined by the Funds-Management server.

[0044] Funds-Management server: set to receive the certificate based on the terminal of the electronic certificate request and to determine the amount of discounted funds to the receiving terminal to pay discounted funds, and change the electronic certificate of the receiving account.

[0045] The system for providing an electronic certificate provided by the above example belongs to the same concept as the method example for an electronic certificate. For the specific implementation process, refer to the method example for details. The technical characteristics of the method are applicable in the system implementation cases.

[0046] Please refer to Figure 3, Figure 4, a first example of the present invention based on an electronic certificate-based discounting device is proposed. The device in this example is applied to the aforementioned Funds-Management server. The Funds-Management server is a fund management institution (for example, a bank) computer server, including the following modules:

[0047] Receiving module: configured to receive the electronic certificate and the receiving terminal based on the electronic certificate of the discount request, to determine whether to discount and discount ratio, and the determination result is delivered to the discount module.

[0048] Specifically, after receiving the certificate receiving request of the receiving end, the receiving module obtains the content of the corresponding electronic certificate and related information of the receiver, and determines whether to provide the discount according to the content of the electronic certificate and the credit status of the receiver; and determine the discount ratio, the discount ratio refers to the amount of discounts applied to the receiving terminal, to be fully discounted or partially discounted, partial discounted, the specific proportion of the total. Wherein, the amount of the discounted amount applied by the collection terminal is usually the amount of the settlement fund to be paid when the collection terminal solves the electronic certificate or the amount of the fund included in the electronic certificate, and the amount of the settlement fund or the amount of funds included in the electronic certificate usually electronic certificate of the opening amount, that is, the opening of electronic certificate frozen funds or credit limit.

[0049] The discount module is set up to determine the amount of the discount fund, pay the discounted funds to the receiving terminal, and change the collection account of the electronic certificate.

[0050] Specifically, as shown in Figure 4, the discount module includes a settlement fund determination unit, a discount fund determination unit, a discount fund payment unit, and a collection account change unit, wherein:

[0051] Settlement funds confirmation unit: set according to the contents of the electronic certificate, to determine the funds to be paid when the collection terminal solves the electronic certificate and deliver it to the unit for determining the discount funds.

[0052] The discounted fund determination unit is used to determine the amount of the discounted fund according to the disbursement fund and deliver the discounted fund payment unit.

[0053] Specifically, to the full discount as an example, the discounted funds to determine the unit will be paid off funds minus the discounted cost of the difference obtained as the amount of discounted funds.

[0054] Optionally, the discounting fee may be a fixed quota fee, that is, a preset fixed limit fee as a discount fee. If each discount are charged the same amount of fees, or depending on the amount of funds to be paid different amounts of fees.

[0055] Optionally, the discounting fee may also be charged according to a preset proportion of the funds to be paid, namely, the fee that accounts for the preset proportion of the funds to be paid is taken as the discounted fee pre-collected. The default ratio can be fixed, it can also change with the payment of funds to change.

[0056] Optionally, the discounted fund determination unit calculates the expected interest income of the solution fund from the current settlement period to the settlement of the electronic certificate, using the expected interest income as the discount expense. For example, if there is still one month from the date of settlement of electronic certificate, the current interest, periodic interest or contractual interest of the funds within one month of settlement will be used as the discount to compensate the Funds-Management server for early payment to the receiving terminal the loss of funds.

[0057] The above full discount as an example of the determination of the amount of the discount fund is explained in detail. The partial discount is similar to the full discount. It only changes the benchmark data from the discounted payment to the amount of funds obtained by multiplying the discount rate.

[0058] The discounted funds determining unit determines the amount of discounted funds, delivered to the receiving terminal to confirm.

[0059] Discounted funds payment unit: set to pay the discount party to the receiving terminal of the funds, notify the payment account to complete the change unit.

[0060] Specifically, the discounted fund payment unit pays the discount fund to the receiving account of the electronic certificate, i.e., the receiver's account or the third party's account designated by the credit collector.

[0061] Receiving account change unit: Set to change the electronic certificate receiving account.

[0062] Specifically, after the payment of the discount fund payment unit completes, the collection account change unit records the discount information and changes the collection account of the electronic certificate. When it is fully discounted, the original receiving account is replaced with the account of the receiving institution or the third party specified by the issuing institution directly. When it is partially discounted, the account of the newly added collecting institution or the designated institution of the collecting institution of the third party accounts for the collection of accounts, and according to the discount ratio for the original payment account and the new payment account distribution electronic certificate payment ratio.

[0063] Subsequent electronic certificate solution payment, after Funds-Management server receives the settlement fund of Funds-Management server from issuing institution, it will transfer all settlement funds into the replacement payment account or the original payment account and the new receipt according to the determined settlement ratio disbursement of funds between the accounts allocated.

[0064] The electronic certificate-based discount device provided in the foregoing example belongs to the same concept as the electronic certificate-based discount method example. For the specific implementation process, reference may be made to the method examples, and the technical features in the method examples are the same as those in the device example corresponding to the applicable, not repeat them here.

[0065] Thus, the present invention of the electronic certificate-based discount device, after the electronic certificate to the electronic certificate solution to receive payment of funds received, based on the receiving terminal of the electronic certificate based on the discount request, to the receiving end to pay corresponding amount of funds, and the corresponding change of electronic certificate receivables account, so that the recipient by obtaining the electronic certificate to pay the funds to transfer the right to the receiving institutions, access to understand the payment of funds in advance to protect the issuing terminal of the funds security. On the basis of the receiving terminal to receive funds in advance to improve the flexibility of payment; the other hand, through the electronic certificate to pay, reducing the trading risk.

[0066] It should be noted that, if the discount, due to electronic certificate failed to pay and lead to the receiving agency cannot get electronic certificate solution funds, the collecting agency may recover to the collector.

[0067] It will be understood by the ordinary skill in the field that the realization of all or part of the steps of the method described above may be controlled by a program to control the associated hardware completion, which may be stored in a computer-readable storage medium. The storage medium may be ROM / RAM, a magnetic disk, an optical disk, etc.

[0068] It is to be understood that the above is only a preferred example of the present invention and is not intended to limit the scope of the invention as a matter of limitation, either by way of equivalent construction or equivalent process transformation using the present specification and the accompanying drawings, directly or indirectly used in other related technical fields, which are included in the scope of the patent protection of the present invention.
Industrial utility

[0069] The present invention provides a discount method based on electronic certificate, after the electronic certificate to the electronic certificate solution payment received before the settlement, the receiving terminal can be based on the electronic certificate to the receiving agency Funds- Management server made a discount request, the receiving agency Funds-Management server based on the contents of the electronic certificate to pay the appropriate amount of funds to the receiving terminal, and the corresponding change of electronic certificate receivables account, so that the recipient by obtaining electronic certificate solution. The right to transfer funds to the receiving institution, access to understand the payment of funds in advance, to protect the issuing terminal of the funds on the basis of security, so that the receiving terminal of the terminal to receive funds in advance to improve the flexibility of payment is conducive to receiving terminal of the funds turnover; at the same time, through the electronic to pay, reducing the transaction risk.

Claims

The Claims [Claims 1] An electronic certificate based discounted method applied to Funds-Management server, including the following steps:
Receiving terminal based on the electronic certificate of the discount request;
Determine the amount of the discount fund and pay the discounted funds to the receiving terminal;
Change the receiving account of the electronic certificate.
[Claim 2] The electronic certificate-based discounting method according to Claim 1, wherein the determining of the amount of discounting funds comprises:
According to the content of the electronic certificate, determining a settlement fund to be obtained when the collection terminal issues the electronic certificate;

Determine the amount of discounted funds based on the settlement funds.
[Claim 3] The electronic certificate-based discount method according to Claim 2, wherein the determining the quota of the discount fund according to the release fund comprises:
According to the settlement fund, a pre-collected discounting fee, and a difference obtained by subtracting the discounting fee from the settlement fund as a discount fund amount.
[Claim 4] The electronic certificate-based discounting method according to Claim 3, wherein the determining the pre-collected discount fee according to the release fund comprises:
The preset fixed amount of expense or the fee that accounts for the default proportion of the settlement fund is taken as the pre-collected discount fee.
[Claim 5] The electronic certificate-based discounting method according to Claim 3, wherein the determining the pre-collected discount fee according to the release fund comprises:
Calculating the expected interest income of the settlement fund from the current period to the settlement date of the electronic certificate, and using the expected interest income as a discount fee.
[Claim 6] An electronic certificate-based discounting device applied to a Funds-Management server, comprising:
A receiving module configured to receive the electronic certificate and a discount request delivered by the receiving terminal based on the electronic certificate;
A discount module configured to determine a quota of discounted funds, pay the discount funds to the collection terminal, and change a collection account of the electronic certificate.
[Claim 7] The electronic certificate-based discount device according to Claim 6, wherein the discount module includes a settlement fund determination unit and a discount fund determination unit, wherein:
The settlement fund determination unit is used to determine, according to the content of the electronic certificate, a settlement fund to be obtained when the settlement terminal decapsulates the electronic certificate;
The discount fund determination unit is used to determine a limit of the discount fund according to the release fund.
[Claim 8] The electronic certificate-based discount device according to Claim 7, wherein the discount fund determination unit is used to:
According to the settlement fund, a pre-collected discounting fee, and a difference obtained by subtracting the discounting fee from the settlement fund as a discount fund amount.
[Claim 9] The electronic certificate-based discount device according to Claim 8, wherein the discount fund determination unit is used to:
The preset fixed amount of expense or the fee that accounts for the default proportion of the settlement fund is taken as the pre-collected discount fee.
[Claim 10] The electronic certificate-based discount device according to Claim 8, wherein the discount fund determination unit is used to:
Calculating the expected interest income of the settlement fund from the current period to the settlement date of the electronic certificate, and using the expected interest income as a discount fee.