CA2994573A1

CA2994573A1 - Electronic certificate payment information transmission method, device and system

Info

Publication number: CA2994573A1
Application number: CA2994573A
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: CA2994573C; WO2017012043A1

Abstract

Provided are an electronic certificate payment information transmission method, device and system. The method comprises the following steps: after learning information that an item has been signed for, a seller end generates payment information and sends the payment information to a second funds management server; after receiving the payment information, the second funds management server updates the status of a corresponding electronic certificate to a pending payment status and synchronises the status of the electronic certificate to a first funds management server. Via the present technical solution, the seller end feeds back the payment information in a timely manner, so as to ensure that the electronic certificate continues to be valid and smoothly transitions to the next status, thereby ensuring timely electronic certificate payment and timely funds transferal by the funds management servers.

Description

Title: Electronic Certificate Payment Information Transmission Method, Device And System Technical Field [0001] The present invention relates to the field of Internet finance technology, and in particular, to a method, a device and a system for transferring payment information of an electronic certificate.
Background Technology

[0002] 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.

[0003] At present, there is a new type of financial instruments to pay with credit commitments, electronic credit certificate payment relative to the traditional network payment methods, it greatly reducing the transaction risk, protect the interests of buyers and sellers. After the opening of the electronic credit certificate, the validity period is divided into three periods, the time limit is set out in the electronic credit certificate, which are the receipt, performance and the deadline of applying for payment. If the corresponding action is not implemented within the time limit, the electronic credit certificate will be invalid.
Therefore, in the process of E-commerce transactions, after the commodity are signed, it is necessary to apply for the Funds-Management server to apply for the information of payment in the application period, and promptly deliver the payment information so as to ensure the validity of the electronic credit certificate and timely transfer of funds, otherwise it is easy to cause the electronic credit certificate invalid and terminate the transaction.
Technical problem

[0004] In view of this, the technical problem to be solved by the present invention is to provide a method, a device and a system for transferring payment information of an electronic certificate to solve the technical problem that the payment information cannot be timely fed back.
Problem solving solution Technical solutions

[0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows:

[0006] According to one aspect of the present invention, it is provided a method for transferring payment information of an electronic certificate, including the following steps:

[0007] After the seller terminal generates the payment settlement information after acquiring the commodity receipt information, and delivers the payment settlement information to the second Funds-Management server;

[0008] After receiving the payment information, the second Funds-Management server updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the electronic certificate to the first Funds-Management server.

[0009] According to another aspect of the present invention, it is provided a method for transmitting performance information of an electronic certificate, which is applied to a seller. The method includes the following steps:

[0010] After receiving the receipt of the commodity information, it generates payment information;

[0011] Deliver payment information to the second Funds-Management server.

[0012] According to another aspect of the present invention, it is provided an electronic certificate compliance information transmission device applied to a seller terminal, the device comprising the following modules:

[0013] Acquisition module is set to get the commodity receipt information;

[0014] A generating module used to generate payment information after it is informed of the receipt of the commodity;

[0015] A delivering module is set to deliver the payment information to the second Funds-Management server.

[0016] According to another aspect of the present invention, it is provided a system for transmitting information for payment information of an electronic certificate, including:

[0017] The seller side is used to generate the payment settlement information after acquiring the commodity receipt information, and delivers the payment settlement information to the second Funds-Management server;

[0018] After receiving the payment information, the second Funds-Management server updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the electronic certificate to the first Funds-Management server.
The beneficial effect of the invention Beneficial effect

[0019] A method, a device, and a system for releasing payment information of an electronic certificate provided by the examples of the present invention are provided.
When an article is received in the electronic commerce transaction, the seller terminal feeds back the payment information to the Funds-Management server, so that to ensure the continuous and effective transition of the electronic certificate to the status of the electronic certificate so that the electronic certificate can be settled in time and Funds-Management server can allocate funds in time.
A brief description of the drawings Brief Description

[0020] Figure 1 is a flowchart of a method for transmitting payment information of an electronic certificate according to a first example of the present invention.

[0021] Figure 2 is a flowchart of a method for transferring payment information of an electronic certificate according to a second example of the present invention.

[0022] Figure 3 is a flowchart of a method for transferring payment information of an electronic certificate provided by Example Three of the present invention.

[0023] Figure 4 is a module structure diagram of a contract information transmission device applied to a seller-terminal electronic certificate according to a fifth example of the present invention.

[0024] Figure 5 is a structural diagram of a system for transmitting payment information of an electronic certificate according to a fifth example of the present invention.
Examples of the Invention Implementation pattern of the present invention

[0025] To make the technical problems, technical solutions and advantages more apparent and clear, the present invention will be described in further detail with reference to the accompanying drawings and examples. It is to be understood that the specific examples described herein are merely illustrative of the invention and are not intended to limit the invention.

[0026] The program described in the electronic certificate that the bank committed to pay funds under the agreed terms of payment credit of electronic credit, it refers to the application of the buyer to funds management institution with its account funds or credit lines as a deposit, funds management institution commits to handle the payment certificate of electronic credit commitment in accordance with the payment terms.

[0027] In the example of the present invention, an electronic certificate is an Internet financial instrument paid by funds management institution, mainly for the buyer's commodity. The seller downloads the cash certificate access interface and the buyer completes the =

electronic certificate, the seller completes the receipt, performs the contract, and submits the payment, and the final electronic certificate expires automatically. The electronic certificate can be purchased not only for buying commodity, but also be used for mortgage guarantees. A fund management institution is an institution that can support capital flows, including but not limited to banks and other financial institutions (such as securities institutions). Accordingly, Funds-Management server includes a bank server or other financial institution server.

[0028] The process of online payment transactions through electronic certificate is roughly as follows: after the buyer and the seller form the order, the buyer applies for issuing the certificate to the first Funds-Management server (the issuing server) through the buyer (the issuing terminal). Of course, the buyer can also take the initiative to apply for a license without a transaction order. After the first Funds-Management server accepts the application, it opens an electronic certificate according to the issuing application and freezes the funds or credit line of the buyer's account for the corresponding amount. After the seller confirms the order, he / she applies to the second Funds-Management server (the server of the funds management institution) via the second client (receiving end), and the second Funds-Management server verifies the information and receives the certificate.
Electronic certificate into compliance period, waiting for the seller to deliver commodity or provide services. After the seller fulfils the contract during the performance period, the second Funds-Management server submits the fulfilment information (such as logistics number), the second Funds-Management server changes the status of the electronic certificate, and the electronic certificate enters the period of receipt and waits for the buyer to sign for the commodity. When the buyer signs the commodity within the period of receipt, that is to say, the seller completes the corresponding transaction conditions according to the settlement conditions of the electronic certificate, and the electronic certificate enters the settlement period. The seller applies for the second Funds-Management server to apply for the settlement to the first Funds-Management server within the time limit for applying for settlement, and after the first Funds-Management server determines that the conditions for the settlement have been reached, the funds or credit of the frozen amount of the buyer's account is released The funds will be transferred to the second Funds-Management server, and the funds will be transferred by the second Funds-Management server into the seller's designated receiving account (i.e., the collecting account). At this point, the completion of online payment, the entire transaction is completed.

[0029] Wherein, after the electronic certificate mentioned in this application is opened, the validity period is divided into three periods, the time limit is set forth on the electronic certificate, which are respectively the seller's certificate, performance, deadline for applying for payment, and if the deadline is not implemented The corresponding action, the electronic certificate failure.

[0030] It should be understood that the above is only a way to use electronic certificate, it also can be used to purchase electronic services. In the purchase of services, such as living in the hotel transaction scenario, the hotel reservation is successful, that is, the hotel undertook a performance. Of course, electronic certificate can also be used to allocate funds. In different situations, the understanding of performance and receipt also changed. In other words, when a merchant provides a commodity or service, the status of the electronic certificate may directly flow through both the compliance period and the receipt period, directly entering the solution, such as face-to-face transactions.

[0031] Example 1

[0032] As shown in Figure 1, a method for transferring payment information of an electronic certificate provided in an example of the present invention includes the following steps:

[0033] S101, after the seller terminal generates the payment settlement information after acquiring the commodity receipt information, and delivers the payment settlement information to the second Funds-Management server.

[0034] Specifically, the buyer and the seller conduct transactions through E-commerce, the buyer uses the Client as the buyer, and the seller uses the Client as the seller.
After the buyer places the order to the seller, the buyer generates the request of opening the electronic certificate through the buyer (the issuing terminal), and delivers the request to the first Funds-Management server, the first Funds-Management server is usually located at the issuing bank, that is, the buyer generates a request to open an electronic certificate and delivers it to the server where the issuing bank is located. In response to this request, the first Funds-Management server may freeze the funds or credit in the buyer's account and generate an electronic certificate for delivering to the second Funds-Management server.
The second Funds-Management server is also usually located in the receiving bank, that is, the receiving bank generates a request to open an electronic certificate and delivers it to the server where the issuing bank is located. After receiving the electronic certificate in the opened state, the second Funds-Management server delivers a notice of issuing the certificate to the seller. After the seller confirms the order through the seller, the second Funds-Management server registers the electronic certificate. The state of updating the electronic certificate is received, and the certificate of receiving information is delivered to the seller. The electronic certificate enters into the performance period.
After the seller .

delivered the commodity or provided the services during the performance period, the buyer signs the receipt. Once the seller has been informed of the receipt of commodity information (such as logistics company receipt and E-commerce platform receipt), generate payment information, and the second Funds-Management server feedback to apply for payment and smoothly enter into the next stage. The seller can log in to the corresponding website through the seller or open the corresponding application, and deliver the payment application information to the second Funds-Management server. After the seller receives the receipt information, the seller can automatically deliver the solution to the second Funds-Management server information. Wherein, the payment information may include the receipt information and payment conditions, etc., but may also include the seller's identity information, so as to subsequently verify the identity of the seller.

[0035] S102. After receiving the payment information, the second Funds-Management server updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the electronic certificate to the first Funds-Management server.

[0036] Specifically, after receiving the settlement information delivered by the seller, the second Funds-Management server updates the corresponding state of the electronic certificate to be released according to the settlement information and synchronizes the state of the electronic certificate to the first Funds- Management server. Thus, the next step is to ensure the validity of electronic certificate.

[0037] As a preferred example, in order to further improve transaction security, the above method may further include: after the first Funds-Management server or the second Funds-Management server receives the payment information, performs identity authentication. Such as verify the seller's account or identity information.
Wherein, the authentication is implemented by mobile phone dynamic code or by electronic signature.
Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security.

[0038] As another preferred example, in order to prevent the electronic certificate information from being tampered with, the method may also include: verifying the authenticity of the electronic certificate after the second Funds-Management server receives the fulfilment information.

[0039] A method for transferring payment information of an electronic certificate according to an example of the present invention, when the seller knows the receipt of the commodity and submits the application settlement information to the second Funds-Management server in time to complete the delivery of the payment information, so as to ensure the continuous and effective transition of the electronic certificate to the status of the electronic certificate so as to ensure that the electronic certificate is released in time for the transfer of funds.

[0040] Example 2

[0041] As shown in Figure 2, a method for transferring payment information of an electronic certificate provided in an example of the present invention includes the following steps:

[0042] S201, the seller will generate the payment information after receiving the information.

[0043] Specifically, the seller terminal may obtain the information of the merchandise sign-in online (such as an E-commerce platform), or may also receive the sign-in information of the merchandise (such as the sign-back receipt of the logistics company and the sign-back receipt of the electronic commerce platform) of the merchant online. Wherein, the payment information may include the receipt information and payment conditions, etc., but may also include the seller's identity information, so as to subsequently verify the identity of the seller.

[0044] S202, the seller delivers the settlement information to the second Funds-Management server.

[0045] S203, after receiving the payment information, the second Funds-Management server delivers the payment information to the first Funds-Management server.

[0046] S204, the second Funds-Management server updates the corresponding electronic certificate status according to the payment information, and synchronizes the corresponding electronic certificate status to the first Funds-Management server.

[0047] In this example, the seller delivers the settlement information to the second Funds-Management server, and the second Funds-Management server forwards the settlement information to the first Funds-Management server, so as to complete the settlement of the information transfer. The second Funds-Management server updates the status of the electronic certificate to the next status according to the payment information and synchronizes the status of the electronic certificate to the first Funds-Management server, so as to prevent and correct abnormalities of the delivery information in the delivery process or tampered with.

[0048] Example 3

[0049] As shown in Figure 3, a method for transmitting performance information of an electronic certificate provided in an example of the present invention is applied to a seller terminal.
The method includes the following steps:

[0050] S301. after receiving the receipt information of the commodity, the payment information is generated.

[0051] Specifically, after the seller terminal can know the sign-in information of the commodity online (such as an E-commerce platform), the seller can also know the sign-in information of the commodity online (for example, the delivery receipt of the courier company).
Wherein, the receipt information includes but not limited to the logistic receipt of the logistics company and the receipt of the E-commerce platform. The generated the payment information may include the receipt information and payment conditions, etc., but may also include the seller's identity information, so as to subsequently verify the identity of the seller.

[0052] S302, deliver payment information to the second Funds-Management server.

[0053] Specifically, the seller can log in to the corresponding website through the seller or open the corresponding application, and deliver the payment application information to the second Funds-Management server. After the seller receives the receipt information, the seller can automatically deliver the solution to the second Funds-Management server information.

[0054] In this example, once the seller knows that the commodity have been signed, the second Funds-Management server submits the payment information so as to complete the delivery of the payment information.

[0055] Example 4

[0056] As shown in Figure 4, an electronic certificate solution information transmission device provided in an example of the present invention is applied to a seller terminal, and the device includes the following modules:

[0057] The acquisition module 101 is used to obtain the commodity receipt information.

[0058] Specifically, the acquisition module 101 may obtain the merchandise receipt information online (such as an E-commerce platform), and may also input the merchandise receipt information (such as the delivery receipt of the delivery company) to the acquisition module 101 online. Wherein, the receipt information includes but not limited to the logistic receipt of the logistics company and the receipt of the E-commerce platform.

[0059] The generating module 102 is used to generate payment information after it is informed of the receipt of the commodity.

[0060] Specifically, the payment information may include the receipt information and payment conditions, etc., but may also include the seller's identity information, so as to subsequently verify the identity of the seller.

[0061] The delivering module 103 is used to deliver the payment settlement information to the second Funds-Management server.

[0062] Specifically, the seller can log in to the corresponding website through the seller or open ' the corresponding application, and deliver the payment application information to the second Funds-Management server. After the seller receives the receipt information, the seller can automatically deliver the solution to the second Funds-Management server information.

[0063] In this example, the seller terminal submits the payment information to the second Funds-Management server, so as to complete the delivery of the payment information.

[0064] Example 5

[0065] As shown in Figure 5, an electronic certificate solution information transmission and transmission system provided in an example of the present invention includes:

[0066] The seller terminal 10 is used to generate the payment settlement information after acquiring the commodity receipt information, and delivers the payment settlement information to the second Funds-Management server;

[0067] Specifically, after the seller terminal 10 can know the sign-in information of the commodity online (such as an E-commerce platform), the seller can also know the sign-in information of the commodity online (for example, the delivery receipt of the courier company). Wherein, the receipt information includes but not limited to the logistic receipt of the logistics company and the receipt of the E-commerce platform. The generated the payment information may include the receipt information and payment conditions, etc., but may also include the seller's identity information, so as to subsequently verify the identity of the seller. The seller can log in to the corresponding website through the seller or open the corresponding application, and deliver the payment application information to the second Funds-Management server. After the seller receives the receipt information, the seller can automatically deliver the solution to the second Funds-Management server information.

[0068] After receiving the payment information, the second Funds-Management server 20 updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the electronic certificate to the first Funds-Management server 20.

[0069] As a preferred example, in order to prevent and correct abnormalities or tampering of the delivery information in the delivery process, the second Funds-Management server 20 is also used to: after receiving the payment settlement information, the payment settlement information is delivered to the first Funds-Management server.

[0070] As another preferred example, in order to further improve transaction security, the second Funds-Management server 20 is also configured to: after the payment information is received, perform identity authentication. Such as verify the seller's account or identity information. Wherein, the seller's identity verification information can be achieved by mobile phone dynamic code or by electronic signature. Mobile phone dynamic code is the use of mobile phone as a random password to generate or accept the terminal, mobile phone dynamic code is a one-time effective password security measures, and it can greatly enhance the user authentication or transaction security.

[0071] As a further preferred example, in order to prevent the electronic certificate information from being tampered with, the second Funds-Management server 2020 is also used to verify the authenticity of the electronic certificate after receiving the payment information.

[0072] A method, a device, and a system for releasing payment information of an electronic certificate provided by the examples of the present invention are provided.
When an article is received in the electronic commerce transaction, the seller terminal feeds back the payment information to the Funds-Management server, so that to ensure the continuous and effective transition of the electronic certificate to the status of the electronic certificate so that the electronic certificate can be settled in time and Funds-Management server can allocate funds in time.

[0073] The general technicians of this field can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk and light disk.

[0074] The preferred examples of the present invention have been described above with reference to the accompanying drawings, which are not to limit the scope of the present invention.
without departing from the scope and spirit of the invention, there are various modifications to realize the example, such as the character of one example may be implemented in another example, and then another example occurs Any modifications, equivalents, and modifications that come within the technical concept of the invention are intended to be within the right scope of the invention.
Industrial utility

[0075] A method, a device, and a system for releasing payment information of an electronic certificate provided by the examples of the present invention are provided.
When an article is received in the electronic commerce transaction, the seller terminal feeds back the payment information to the Funds-Management server, so that to ensure the continuous and effective transition of the electronic certificate to the status of the electronic certificate so that the electronic certificate can be settled in time and Funds-Management server can allocate funds in time. Therefore, it has industrial applicability.

Claims

The Claims

[Claim 1] A method for transferring payment information of an electronic certificate, the method including the following steps:
After the seller terminal generates the payment settlement information after acquiring the commodity receipt information, and delivers the payment settlement information to the second Funds-Management server.
After receiving the payment information, the second Funds-Management server updates the status of the corresponding electronic certificate to be released, and synchronizes the status of the electronic certificate to the first Funds-Management server.
[Claim 2] According to the method for payment performance information of the electronic certificate in Claim 1, wherein the method also includes:
After receiving the payment information, the second Funds-Management server forwards the payment information to the first Funds-Management server.
[Claim 3] According to the method for payment performance information of the electronic certificate in Claim 1, wherein the method also includes:
After receiving the settlement information, the second Funds-Management server performs authentication of the seller and / or authentication of the electronic certificate.
[Claim 4] The method for transferring payment information of an electronic certificate according to Claim 3, wherein, The seller authentication is implemented by a mobile phone dynamic code or by electronic signature.
[Claim 5] A method for transmitting performance information of an electronic certificate applied to a seller, the method including the following steps:
After informed of the receipt of commodity information, to generate payment information;
Deliver the settlement information to the second Funds-Management server.
[Claim 6] An electronic certificate solution information transmission device applied to a seller, the device including the following modules:
Acquisition module is set to get the commodity receipt information;
The generating module is used to generate solution payment information after the commodity receipt information is obtained;

A delivering module is set to deliver the payment information to the second Funds-Management server.
[Claim 7] A transmission system of electronic certificate compliance information, the system including:
The seller terminal, generates the payment settlement information after acquiring the commodity receipt information, and delivers the payment settlement information to the second Funds-Management server;
The second Funds-Management server is used to, after receiving the payment settlement information delivered by the seller, update the status of the corresponding electronic certificate to be in the state to be released and synchronize the status of the corresponding electronic certificate to the first Funds-Management server.
[Claim 8] According to the electronic certificate settlement information transmission system in Claim 7, wherein the second Funds-Management server is also used to: after receiving the settlement information delivered by the seller, deliver the settlement information to the first Funds-Management server.
[Claim 9] According to the electronic certificate settlement information transmission system in Claim 7, wherein the second Funds-Management server is also used to: after receiving the settlement information delivered by the seller, perform seller authentication and /or verify the authenticity of electronic certificate.
[Claim 10] According to the electronic certificate settlement information transmission system in Claim 7, wherein the second Funds-Management server is also used to implement the seller identity verification by a mobile phone dynamic code or by an electronic signature.