CA2994573C - Electronic certificate payment information transmission method, device and system - Google Patents
Electronic certificate payment information transmission method, device and system Download PDFInfo
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- CA2994573C CA2994573C CA2994573A CA2994573A CA2994573C CA 2994573 C CA2994573 C CA 2994573C CA 2994573 A CA2994573 A CA 2994573A CA 2994573 A CA2994573 A CA 2994573A CA 2994573 C CA2994573 C CA 2994573C
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
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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
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
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] In E-commerce using the Internet to connect the parties involved in traditional business activities (buyers, sellers, logistics companies, financial institutions, etc.), the entire transaction process is networked, electronically and informationally, thus reducing the cost of the transaction and improving the efficiency of the transaction. However, in current E-commerce applications, the transfer of funds mainly depends on the traditional method of electronic direct transfer payment and third-party payment, with a single payment method.
[0003] At present, there exists a new type of financial instrument for use when paying with credit commitments: electronic credit certificate payment. Relative to the traditional network payment methods, payment via electronic credit certificate greatly reduces the transaction risk, protecting the interests of buyers and sellers. After the opening of the electronic credit certificate, the validity period is divided into three periods, for which 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 commodities are signed, it is necessary to apply for a Funds-Management server to apply for the information of payment in the application period and promptly deliver the settlement payment information so as to ensure the validity of the electronic credit certificate and timely transfer of funds. Otherwise, it is easy to render the electronic credit certificate invalid and terminate the transaction.
100041 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 settlement payment information Date Recue/Date Received 2020-12-14 cannot be delivered in a timely fashion.
Summary [0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows.
[0006] According to one aspect of the present invention, there is provided a method for transferring payment information of an electronic certificate, including the following steps.
[0007] After the seller terminal generates the settlement payment information after acquiring the commodity receipt information, it delivers the settlement payment information to the second Funds-Management server.
[0008] After receiving the settlement 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, there 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 commodity information, the seller terminal generates payment information.
[0011] Deliver payment information to the second Funds-Management server.
[0012] According to another aspect of the present invention, there is provided an electronic certificate compliance information transmission device applied to a seller terminal, the device comprising the following modules.
[0013] An acquisition module is configured to get the commodity receipt information.
[0014] A generating module is used to generate payment information after it is informed of the receipt of the commodity.
[0015] A delivering module is set to deliver the settlement payment information to the second Funds-Management server.
100161 According to another aspect of the present invention, there is provided a system for transmitting payment information of an electronic certificate.
[0017] The seller terminal is used to generate the settlement payment information after Date Recue/Date Received 2020-12-14 acquiring the commodity receipt information and delivers the settlement payment information to the second Funds-Management server.
[0018] After receiving the settlement 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.
[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 delivers the settlement payment information to the Funds-Management server so that the electronic certificate can be settled in time and the Funds-Management server can allocate funds in time.
Brief Description of the Drawings [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 according to a third example 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 fourth 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.
Detailed Description [0025] To make the technical problems, technical solutions, and advantages more apparent, 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.
Date Recue/Date Received 2020-12-14 [0026] Upon the application of the buyer to funds management institutions, using the buyer's account funds or credit lines as a deposit, a funds management institution commits to handle the electronic certificate 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 a 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, whereupon the final electronic certificate expires automatically.
The electronic certificate can be purchased not only for buying commodity but can 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, a Funds-Management server includes a bank server or other financial institution server.
[0028] The process of online payment transactions through an 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 terminal) 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 (the receiving terminal), and the second Funds-Management server verifies the information and receives the certificate. The electronic certificate enters into the compliance period, waiting for the seller to deliver a 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, the electronic certificate enters the
100041 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 settlement payment information Date Recue/Date Received 2020-12-14 cannot be delivered in a timely fashion.
Summary [0005] The technical solution of the present invention to solve the above-mentioned technical problems is as follows.
[0006] According to one aspect of the present invention, there is provided a method for transferring payment information of an electronic certificate, including the following steps.
[0007] After the seller terminal generates the settlement payment information after acquiring the commodity receipt information, it delivers the settlement payment information to the second Funds-Management server.
[0008] After receiving the settlement 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, there 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 commodity information, the seller terminal generates payment information.
[0011] Deliver payment information to the second Funds-Management server.
[0012] According to another aspect of the present invention, there is provided an electronic certificate compliance information transmission device applied to a seller terminal, the device comprising the following modules.
[0013] An acquisition module is configured to get the commodity receipt information.
[0014] A generating module is used to generate payment information after it is informed of the receipt of the commodity.
[0015] A delivering module is set to deliver the settlement payment information to the second Funds-Management server.
100161 According to another aspect of the present invention, there is provided a system for transmitting payment information of an electronic certificate.
[0017] The seller terminal is used to generate the settlement payment information after Date Recue/Date Received 2020-12-14 acquiring the commodity receipt information and delivers the settlement payment information to the second Funds-Management server.
[0018] After receiving the settlement 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.
[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 delivers the settlement payment information to the Funds-Management server so that the electronic certificate can be settled in time and the Funds-Management server can allocate funds in time.
Brief Description of the Drawings [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 according to a third example 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 fourth 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.
Detailed Description [0025] To make the technical problems, technical solutions, and advantages more apparent, 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.
Date Recue/Date Received 2020-12-14 [0026] Upon the application of the buyer to funds management institutions, using the buyer's account funds or credit lines as a deposit, a funds management institution commits to handle the electronic certificate 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 a 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, whereupon the final electronic certificate expires automatically.
The electronic certificate can be purchased not only for buying commodity but can 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, a Funds-Management server includes a bank server or other financial institution server.
[0028] The process of online payment transactions through an 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 terminal) 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 (the receiving terminal), and the second Funds-Management server verifies the information and receives the certificate. The electronic certificate enters into the compliance period, waiting for the seller to deliver a 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, the electronic certificate enters the
4 Date Recue/Date Received 2020-12-14 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] After the electronic certificate mentioned in this application is opened, the validity period is divided into three periods for which 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, i.e., the electronic certificate failure.
[0030] It should be understood that the above is only a way to use electronic certificate, as it also can be used to purchase electronic services. In the purchase of services, such as living in a hotel, the hotel reservation is successful, that is, the hotel undertook a performance. Of course, the 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 settlement payment information after acquiring the commodity receipt information and delivers the settlement payment information to the second Funds-Management server.
100341 Specifically, the buyer and the seller conduct transactions through E-commerce, the buyer using the E-commerce client as the buyer, and the seller using the E-commerce client as the seller. After the buyer places the order to the seller, the buyer generates the Date Recue/Date Received 2020-12-14 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 terminal, 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 delivers the commodity or provides 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), it generates payment information, and the second Funds-Management server applies 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 receipt information to the second Funds-Management server information. The settlement 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 settlement 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 payment information delivered by the seller, the second Funds-Management server updates the corresponding state of the electronic Date Recue/Date Received 2020-12-14 certificate to be released according to the settlement payment 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 settlement payment information, it performs identity authentication, such as verifying the seller's account or identity information. The authentication is implemented by a mobile phone dynamic code or by electronic signature.
The mobile phone dynamic code is the use of a mobile phone for a random password to generate or accept the terminal, and the mobile phone dynamic code is a one-time effective password security measure that 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 settlement payment information.
[0039] Accordingly, there is provided 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 settlement payment information to the second Funds-Management server in time to complete the delivery of the settlement payment information, 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 settlement 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 settlement payment information after receiving the information.
100431 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 Date Recue/Date Received 2020-12-14 receipt of the electronic commerce platform) of the merchant online. Wherein, the settlement 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 payment information to the second Funds-Management server.
[0045] S203, after receiving the settlement payment information, the second Funds-Management server delivers the settlement payment information to the first Funds-Management server.
[0046] S204, the second Funds-Management server updates the corresponding electronic certificate status according to the settlement payment information and synchronizes the corresponding electronic certificate status to the first Funds-Management server.
[0047] In this example, the seller delivers the settlement payment information to the second Funds-Management server, and the second Funds-Management server forwards the settlement payment 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 settlement 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 tampering therewith.
[0048] Example 3 [0049] As shown in Figure 3, a method for transmitting settlement payment 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 settlement payment information is generated.
[0051] Receipt information includes but not limited to the logistics receipt of the logistics company and the receipt of the E-commerce platform. The generated settlement 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 settlement payment information to the second Funds-Management Date Recue/Date Received 2020-12-14 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 receipt information to the second Funds-Management server.
[0054] In this example, once the seller knows that the commodity has been signed, the second Funds-Management server submits the settlement payment information so as to complete the delivery of the settlement payment infonnation.
[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 through an E-commerce platform) and may also receive the merchandise receipt information (such as the delivery receipt of the delivery company) online. The receipt information includes but is not limited to the logistics receipt of the logistics company and the receipt of the E-commerce platform.
[0059] The generating module 102 is used to generate settlement payment information after it is informed of the receipt of the commodity.
[0060] Specifically, the settlement 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 settlement payment 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 receipt information to the second Funds-Management server information.
[0063] In this example, the seller terminal submits the settlement payment information to Date Recue/Date Received 2020-12-14 the second Funds-Management server, so as to complete the delivery of the settlement 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 the following.
[0066] The seller terminal 10 is used to generate the settlement payment information after acquiring the commodity receipt information and delivers the settlement payment information to the second Funds-Management server;
[0067] Specifically, after the seller terminal 10 knows the sign-in information of the commodity online (such as through 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). The receipt information includes but is not limited to the logistics receipt of the logistics company and the receipt of the E-commerce platform. The generated settlement 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 receipt information to the second Funds-Management server.
[0068] After receiving the settlement 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 with the delivery information in the delivery process, the second Funds-Management server 20 is also used as follows: after the second Funds-Management server 20 receives the settlement payment information, the settlement payment 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 as follows: after the settlement Date Recue/Date Received 2020-12-14 payment information is received, the second Funds-Management server 20 performs identity authentication, such as verifying the seller's account or identity information. The seller's identity verification information can be achieved by a mobile phone dynamic code or by electronic signature. The mobile phone dynamic code is the use of a mobile phone to generate a random password or accept the terminal. The mobile phone dynamic code is a one-time effective password security measure, 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 20 is also used to verify the authenticity of the electronic certificate after receiving the settlement 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 delivers the settlement payment information to the Funds-Management server so that the electronic certificate can be settled in time and Funds-Management server can allocate funds in time.
[0073] 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.
[0074] A person of skill in the art can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk, and light disk.
[0075] 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 and equivalents that come within the technical concept of the invention are intended to be within Date Recue/Date Received 2020-12-14 the scope of the invention.
[0076] 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 delivers the settlement payment information to the Funds-Management server, so that the electronic certificate can be settled in time and the Funds-Management server can allocate funds in time. Therefore, it has industrial applicability.
Date Recue/Date Received 2020-12-14
[0029] After the electronic certificate mentioned in this application is opened, the validity period is divided into three periods for which 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, i.e., the electronic certificate failure.
[0030] It should be understood that the above is only a way to use electronic certificate, as it also can be used to purchase electronic services. In the purchase of services, such as living in a hotel, the hotel reservation is successful, that is, the hotel undertook a performance. Of course, the 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 settlement payment information after acquiring the commodity receipt information and delivers the settlement payment information to the second Funds-Management server.
100341 Specifically, the buyer and the seller conduct transactions through E-commerce, the buyer using the E-commerce client as the buyer, and the seller using the E-commerce client as the seller. After the buyer places the order to the seller, the buyer generates the Date Recue/Date Received 2020-12-14 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 terminal, 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 delivers the commodity or provides 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), it generates payment information, and the second Funds-Management server applies 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 receipt information to the second Funds-Management server information. The settlement 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 settlement 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 payment information delivered by the seller, the second Funds-Management server updates the corresponding state of the electronic Date Recue/Date Received 2020-12-14 certificate to be released according to the settlement payment 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 settlement payment information, it performs identity authentication, such as verifying the seller's account or identity information. The authentication is implemented by a mobile phone dynamic code or by electronic signature.
The mobile phone dynamic code is the use of a mobile phone for a random password to generate or accept the terminal, and the mobile phone dynamic code is a one-time effective password security measure that 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 settlement payment information.
[0039] Accordingly, there is provided 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 settlement payment information to the second Funds-Management server in time to complete the delivery of the settlement payment information, 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 settlement 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 settlement payment information after receiving the information.
100431 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 Date Recue/Date Received 2020-12-14 receipt of the electronic commerce platform) of the merchant online. Wherein, the settlement 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 payment information to the second Funds-Management server.
[0045] S203, after receiving the settlement payment information, the second Funds-Management server delivers the settlement payment information to the first Funds-Management server.
[0046] S204, the second Funds-Management server updates the corresponding electronic certificate status according to the settlement payment information and synchronizes the corresponding electronic certificate status to the first Funds-Management server.
[0047] In this example, the seller delivers the settlement payment information to the second Funds-Management server, and the second Funds-Management server forwards the settlement payment 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 settlement 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 tampering therewith.
[0048] Example 3 [0049] As shown in Figure 3, a method for transmitting settlement payment 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 settlement payment information is generated.
[0051] Receipt information includes but not limited to the logistics receipt of the logistics company and the receipt of the E-commerce platform. The generated settlement 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 settlement payment information to the second Funds-Management Date Recue/Date Received 2020-12-14 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 receipt information to the second Funds-Management server.
[0054] In this example, once the seller knows that the commodity has been signed, the second Funds-Management server submits the settlement payment information so as to complete the delivery of the settlement payment infonnation.
[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 through an E-commerce platform) and may also receive the merchandise receipt information (such as the delivery receipt of the delivery company) online. The receipt information includes but is not limited to the logistics receipt of the logistics company and the receipt of the E-commerce platform.
[0059] The generating module 102 is used to generate settlement payment information after it is informed of the receipt of the commodity.
[0060] Specifically, the settlement 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 settlement payment 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 receipt information to the second Funds-Management server information.
[0063] In this example, the seller terminal submits the settlement payment information to Date Recue/Date Received 2020-12-14 the second Funds-Management server, so as to complete the delivery of the settlement 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 the following.
[0066] The seller terminal 10 is used to generate the settlement payment information after acquiring the commodity receipt information and delivers the settlement payment information to the second Funds-Management server;
[0067] Specifically, after the seller terminal 10 knows the sign-in information of the commodity online (such as through 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). The receipt information includes but is not limited to the logistics receipt of the logistics company and the receipt of the E-commerce platform. The generated settlement 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 receipt information to the second Funds-Management server.
[0068] After receiving the settlement 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 with the delivery information in the delivery process, the second Funds-Management server 20 is also used as follows: after the second Funds-Management server 20 receives the settlement payment information, the settlement payment 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 as follows: after the settlement Date Recue/Date Received 2020-12-14 payment information is received, the second Funds-Management server 20 performs identity authentication, such as verifying the seller's account or identity information. The seller's identity verification information can be achieved by a mobile phone dynamic code or by electronic signature. The mobile phone dynamic code is the use of a mobile phone to generate a random password or accept the terminal. The mobile phone dynamic code is a one-time effective password security measure, 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 20 is also used to verify the authenticity of the electronic certificate after receiving the settlement 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 delivers the settlement payment information to the Funds-Management server so that the electronic certificate can be settled in time and Funds-Management server can allocate funds in time.
[0073] 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.
[0074] A person of skill in the art can understand and implement all or parts of steps in the above-mentioned examples that can complete the procedure by controlling relevant hardware, and the said procedure can be stored in a readable storage media of a computer such as ROM/RAM, disk, and light disk.
[0075] 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 and equivalents that come within the technical concept of the invention are intended to be within Date Recue/Date Received 2020-12-14 the scope of the invention.
[0076] 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 delivers the settlement payment information to the Funds-Management server, so that the electronic certificate can be settled in time and the Funds-Management server can allocate funds in time. Therefore, it has industrial applicability.
Date Recue/Date Received 2020-12-14
Claims (66)
1. A computer system for electronic certificate payment information transmission in an electronic fulfillment of a contract using an electronic certificate, the system comprising:
a seller terminal of a seller configured to:
generate payment information stored as data in a seller terminal readable storage media of the seller terminal in response to receiving performance information, stored as data in the seller terminal readable storage media, from the seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract, the payment information for causing a second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the updatable status of the electronic certificate stored as data in a second Funds-Management server readable storage media of the second Funds-Management server to the electronic certificate stored as data in a first Funds-Management server readable storage media of a first Funds-Management server for release and transfer of buyer funds frozen prior to issuance of the electronic certificate; and deliver the payment information to the second Funds-Management server;
the second Funds-Management server configured to:
verify and receive the electronic certificate from the first Funds-Management server wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount,;
receive the payment information;
Date regue/Date received 2023-04-24 verify the electronic certificate stored as data in the second Funds-Management server readable storage media when receiving the payment information for improving transaction security;
update the updatable status of the electronic certificate from indicating the first status to indicating the next status according to the received payment information; and synchronize the updatable status of the electronic certificate received by the second Funds-Management server to the first Funds-Management server wherein the synchronization of the status of the electronic certificate is to initiate the release and transfer of the buyer funds by the first Funds-Management server following the synchronization of the status of the electronic certificate.
a seller terminal of a seller configured to:
generate payment information stored as data in a seller terminal readable storage media of the seller terminal in response to receiving performance information, stored as data in the seller terminal readable storage media, from the seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract, the payment information for causing a second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the updatable status of the electronic certificate stored as data in a second Funds-Management server readable storage media of the second Funds-Management server to the electronic certificate stored as data in a first Funds-Management server readable storage media of a first Funds-Management server for release and transfer of buyer funds frozen prior to issuance of the electronic certificate; and deliver the payment information to the second Funds-Management server;
the second Funds-Management server configured to:
verify and receive the electronic certificate from the first Funds-Management server wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount,;
receive the payment information;
Date regue/Date received 2023-04-24 verify the electronic certificate stored as data in the second Funds-Management server readable storage media when receiving the payment information for improving transaction security;
update the updatable status of the electronic certificate from indicating the first status to indicating the next status according to the received payment information; and synchronize the updatable status of the electronic certificate received by the second Funds-Management server to the first Funds-Management server wherein the synchronization of the status of the electronic certificate is to initiate the release and transfer of the buyer funds by the first Funds-Management server following the synchronization of the status of the electronic certificate.
2. The system of claim 1, wherein the second Funds-Management server is further configured to forward the payment information to the first Funds-Management server.
3. The system of claim 1, wherein the second Funds-Management server is further configured to verify seller's identity information when receiving the payment information for improving transaction security.
4. The system of claim 3, wherein verifying the seller's identity information is achieved by a mobile phone dynamic code.
5. The system of claim 4, wherein the mobile phone dynamic code is a one-time effective password security measure generated randomly via a mobile phone.
6. The system of claim 3, wherein verifying the seller's identity information is achieved by an electronic signature.
Date recue/Date received 2023-04-24
Date recue/Date received 2023-04-24
7. The system of any one of claims 1 to 6, wherein the payment information includes receipt informati on.
8. The system of claim 7, wherein the receipt information includes receipt for delivery completion from a logistics company.
9. They system of any one of claims 7 to 8, wherein the receipt information includes receipt for delivery completion from an electronic commerce platform.
10. The system of any one of claims 1 to 9, wherein the payment information includes payment conditions.
11. The system of any one of claims 1 to 10, wherein the payment information includes seller's identity information, so as to subsequently verify the identity of the seller.
12. The system of any one of claims 1 to 11, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
13. The system of claim 12, wherein the Funds-Management institution is an institution that can support capital flows.
14. The system of any one of claims 12 to 13, wherein the Funds-Management institution includes a bank.
15. The system of any one of claims 12 to 13, wherein the Funds-Management institution includes a financial institution.
16. The system of claim 1, wherein the first Funds-Management server includes a bank server.
17. The system of claim 1, wherein the first Funds-Management server includes a financial institution server.
Date recue/Date received 2023-04-24
Date recue/Date received 2023-04-24
18. The system of claim 1, wherein the second Funds-Management server includes a bank server.
19. The system of claim 1, wherein the second Funds-Management server includes a financial institution server.
20. A computer implemented method for electronic certificate payment information transmission in an electronic fulfilment of a contract using an electronic certificate, the method comprising:
generating, by a seller terminal, payment information stored as data in a seller terminal readable storage media of the seller terminal in response to receiving performance information, stored as data in the seller terminal readable storage media, from the seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract;
delivering the payment information from the seller terminal to a second Funds-Management server, the payment information for causing the second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the next status to a first Funds-Management server for releasing and transfer of buyer funds frozen prior to issuance of the electronic certificate;
verifying and receiving, by the second Funds-Management server, the electronic certificate from the first Funds-Management server, stored as data in a second Funds-Management server readable storage media of the second Funds-Management server wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount;
receiving by the second Funds-Management server the payment information from the seller terminal;
Date recue/Date received 2023-04-24 verifying the electronic certificate stored as data in the second Funds-Management server readable storage media when receiving the payment information for improving transaction security;
updating the updatable status of the electronic certificate from indicating the first status to indicating the next status according to the received payment information; and synchronizing the updatable status of the electronic certificate to the first Funds-Management server wherein the synchronization of the status of the electronic certificate is to initiate the release and transfer of the buyer funds by the first Funds-Management server following the synchronization of the status of the electronic certificate.
generating, by a seller terminal, payment information stored as data in a seller terminal readable storage media of the seller terminal in response to receiving performance information, stored as data in the seller terminal readable storage media, from the seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract;
delivering the payment information from the seller terminal to a second Funds-Management server, the payment information for causing the second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the next status to a first Funds-Management server for releasing and transfer of buyer funds frozen prior to issuance of the electronic certificate;
verifying and receiving, by the second Funds-Management server, the electronic certificate from the first Funds-Management server, stored as data in a second Funds-Management server readable storage media of the second Funds-Management server wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount;
receiving by the second Funds-Management server the payment information from the seller terminal;
Date recue/Date received 2023-04-24 verifying the electronic certificate stored as data in the second Funds-Management server readable storage media when receiving the payment information for improving transaction security;
updating the updatable status of the electronic certificate from indicating the first status to indicating the next status according to the received payment information; and synchronizing the updatable status of the electronic certificate to the first Funds-Management server wherein the synchronization of the status of the electronic certificate is to initiate the release and transfer of the buyer funds by the first Funds-Management server following the synchronization of the status of the electronic certificate.
21. The method of claim 20 further includes that the second Funds-Management server forwards the payment information to the first Funds-Management server.
22. The method of claim 20 further includes that the second Funds-Management server verifies seller's identity information when receiving the payment information for improving transaction security.
23. The method of claim 22, wherein verifying the seller's identity information is achieved by a mobile phone dynamic code.
24. The method of claim 23, wherein the mobile phone dynamic code is a one-time effective password security measure generated randomly via a mobile phone.
25. The method of claim 22, wherein verifying the seller's identity information is achieved by an electronic signature.
26. The method of any one of claims 20 to 25, wherein the payment information includes receipt informati on.
Date recue/Date received 2023-04-24
Date recue/Date received 2023-04-24
27. The method of claim 26, wherein the receipt information includes receipt for delivery completion from a logistics company.
28. They method of any one of claims 26 to 27, wherein the receipt information includes receipt for delivery completion from an electronic commerce platform.
29. The method of any one of claims 20 to 28, wherein the payment information includes payment conditions.
30. The method of any one of claims 20 to 29, wherein the payment information includes seller's identity information, so as to subsequently verify the identity of the seller.
31. The method of any one of claims 20 to 30, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
32. The method of claim 31, wherein the Funds-Management institution is an institution that can support capital flows.
33. The method of any one of claims 31 to 32, wherein the Funds-Management institution includes a bank.
34. The method of any one of claims 31 to 32, wherein the Funds-Management institution includes a financial institution.
35. The method of claim 20, wherein the first Funds-Management server includes a bank server.
36. The method of claim 20, wherein the first Funds-Management server includes a financial institution server.
37. The method of claim 20, wherein the second Funds-Management server includes a bank server.
Date regue/Date received 2023-04-24
Date regue/Date received 2023-04-24
38. The method of claim 20, wherein the second Funds-Management server includes a financial institution server.
39. A computer implemented method for electronic certificate payment information transmission in an electronic fulfilment of a contract using an electronic certificate, the method comprising:
generating payment information stored as data in a readable storage media in response to receiving performance information, stored as data in the readable storage media, from a seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract, the payment information configured to enable verification of the electronic certificate, wherein the verification of the electronic certificate causes a second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the next status to a first Funds-Management server for releasing and transfer of buyer funds frozen prior to issuance of the electronic certificate wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount; and delivering the payment information to the second Funds-Management server wherein the electronic certificate stored as data in a second Funds-Management server readable storage media of the second Funds-Management server is verified by the second Funds-Management server when the payment information is delivered.
generating payment information stored as data in a readable storage media in response to receiving performance information, stored as data in the readable storage media, from a seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract, the payment information configured to enable verification of the electronic certificate, wherein the verification of the electronic certificate causes a second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the next status to a first Funds-Management server for releasing and transfer of buyer funds frozen prior to issuance of the electronic certificate wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount; and delivering the payment information to the second Funds-Management server wherein the electronic certificate stored as data in a second Funds-Management server readable storage media of the second Funds-Management server is verified by the second Funds-Management server when the payment information is delivered.
40. The method of claim 39, wherein the payment information includes receipt information.
41. The method of claim 40, wherein the receipt information includes receipt for delivery completion from a logistics company.
42. They method of any one of claims 40 to 41, wherein the receipt information includes receipt for delivery completion from an electronic commerce platform.
Date recue/Date received 2023-04-24
Date recue/Date received 2023-04-24
43. The method of any one of claims 39 to 42, wherein the payment information includes payment conditions.
44. The method of any one of claims 39 to 43, wherein the payment information includes seller's identity information, so as to subsequently verify the identity of the seller.
45. The method of claim 39, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
46. The method of claim 45, wherein the Funds-Management institution is an institution that can support capital flows.
47. The method of any one of claims 45 to 46, wherein the Funds-Management institution includes a bank.
48. The method of any one of claims 45 to 46, wherein the Funds-Management institution includes a financial insntution.
49. The method of claim 39, wherein the first Funds-Management server includes a bank server.
50. The method of claim 39, wherein the first Funds-Management server includes a financial institution server.
51. The method of claim 39, wherein the second Funds-Management server includes a bank server.
52. The method of claim 39, wherein the second Funds-Management server includes a financial institution server.
53. A computer device for electronic certificate payment information transmission in an electronic fulfilment of a contract using an electronic certificate, the device comprising a processor and physical memory having stored thereon:
Date recue/Date received 2023-04-24 an acquisition module configured to receive performance information, stored as data in a device readable storage media of the device, from a seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract;
a generating module configured to generate payment information, stored as data in the device readable storage media, in response to the acquisition module receiving the performance information, the payment infoimation configured to enable verification of the electronic certificate, wherein the verification of the electronic certificate causes a second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the updatable status to a first Funds-Management server for releasing and transfer of buyer funds frozen prior to issuance of the electronic certificate wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount; and a delivering module configured to deliver the payment information to the second Funds-Management server wherein the electronic certificate stored as data in a second Funds-Management server readable storage media of the second Funds-Management server is verified by the second Funds-Management server when the payment information is delivered.
Date recue/Date received 2023-04-24 an acquisition module configured to receive performance information, stored as data in a device readable storage media of the device, from a seller, wherein the performance information indicates fulfilment of conditions for the settlement of the contract;
a generating module configured to generate payment information, stored as data in the device readable storage media, in response to the acquisition module receiving the performance information, the payment infoimation configured to enable verification of the electronic certificate, wherein the verification of the electronic certificate causes a second Funds-Management server to update an updatable status of the electronic certificate from indicating a first status to indicating a next status according to the payment information and synchronize the updatable status to a first Funds-Management server for releasing and transfer of buyer funds frozen prior to issuance of the electronic certificate wherein the electronic certificate comprises an electronic financial instrument which indicates the buyer funds frozen for a corresponding amount; and a delivering module configured to deliver the payment information to the second Funds-Management server wherein the electronic certificate stored as data in a second Funds-Management server readable storage media of the second Funds-Management server is verified by the second Funds-Management server when the payment information is delivered.
54. The device of claim 53, wherein the payment information includes receipt information.
55. The device of claim 54, wherein the receipt information includes receipt for delivery completion from a logistics company.
56. They device of any one of claims 54 to 55, wherein the receipt information includes receipt for delivery completion from an electronic commerce platform.
Date recue/Date received 2023-04-24
Date recue/Date received 2023-04-24
57. The device of any one of claims 53 to 56, wherein the payment information includes payment conditions.
58. The device of any one of claims 53 to 57, wherein the payment information includes seller's identity information, so as to subsequently verify the identity of the seller.
59. The device of claim 53, wherein the electronic certificate is an Internet based financial instrument that is paid by a Funds-Management institution credit commitment.
60. The device of claim 59, wherein the Funds-Management institution is an institution that can support capital flows.
61. The device of any one of claims 59 to 60, wherein the Funds-Management institution includes a bank.
62. The device of any one of claims 59 to 60, wherein the Funds-Management institution includes a financial institution.
63. The device of claim 53, wherein the first Funds-Management server includes a bank server.
64. The device of claim 53, wherein the first Funds-Management server includes a financial institution server.
65. The device of claim 53, wherein the second Funds-Management server includes a bank server.
66. The device of claim 53, wherein the second Funds-Management server includes a financial institution server.
Date recue/Date received 2023-04-24
Date recue/Date received 2023-04-24
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| PCT/CN2015/084633 WO2017012043A1 (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment information transmission method, device and system |
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| Publication Number | Publication Date |
|---|---|
| CA2994573A1 CA2994573A1 (en) | 2017-01-26 |
| CA2994573C true CA2994573C (en) | 2024-01-09 |
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| Application Number | Title | Priority Date | Filing Date |
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| CA2994573A Active CA2994573C (en) | 2015-07-21 | 2015-07-21 | Electronic certificate payment information transmission method, device and system |
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| CA (1) | CA2994573C (en) |
| WO (1) | WO2017012043A1 (en) |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| AU2002215230A1 (en) * | 2000-09-09 | 2002-03-22 | Bestechcom Co., Ltd. | Internet commerce system and the method |
| CN1731433A (en) * | 2004-08-07 | 2006-02-08 | 王晓东 | Payment ensurance ticket |
| CN101261706A (en) * | 2007-03-06 | 2008-09-10 | 廖用铁 | A secure, fair and instant electronic trade system and method based on bank credit |
| US8645227B2 (en) * | 2008-01-31 | 2014-02-04 | The Western Union Company | Systems and methods to facilitate payment of shipped goods |
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- 2015-07-21 WO PCT/CN2015/084633 patent/WO2017012043A1/en active Application Filing
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| WO2017012043A1 (en) | 2017-01-26 |
| CA2994573A1 (en) | 2017-01-26 |
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